4 Best Home Warranty Companies
in Oconomowoc, WI

by House Method Local Advisors - Updated December 8, 2022

A home warranty can offer you the peace of mind you need about your home and protect your savings account from large expenses by covering your home's major systems and appliances.

Being a homeowner in Oconomowoc is a great option for those who like nature and quiet neighborhoods. However, as great as Oconomowoc is, homeownership always comes with its fair share of hardships, such as trying to deal with your appliance and system repairs yourself.

Although a home warranty can help with your homeowner expenses, one issue is narrowing down the right choice for your Oconomowoc home. That's why we've done the research and have made a guide of the best home warranty plans in Oconomowoc.

Best Overall
  • Over 10 years of experience
  • 24/7 customer service team
  • Home inspections aren’t required
4.8
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Best Customizable Plans
  • The oldest and most trusted company in the industry
  • Allows customers to build their own plans
  • Ability to choose the service fee you want to pay
4.7
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Quickest Service
  • Policy starts in ten days
  • 24/7 customer service support
  • Generous coverage caps on important systems and appliances
4.7
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Choosing a home warranty company in Oconomowoc


Selecting the right provider for your home warranty is the first step toward protecting your property. When trying to decide which home warranty company is the best one for you, here are some important factors to take into account:

Quick reference for home warranty companies in Oconomowoc

$45.00 - $53.33/month
15 years in business
$29.27 - $74.27/month
26 years in business
$50.40 - $62.90/month
15 years in business
$34.99 - $67.99/month
44 years in business

Home Warranty Company and Plan Details


Oconomowoc residents have a number of the top home warranty companies in Oconomowoc. House Method narrowed down these companies to the top ones by analyzing costs, service fees, coverage caps, workmanship, item coverage, contract simplicity, customer reviews, and more. Here's how Oconomowoc's top companies ranked:
  1. Choice Home Warranty - Best Overall
  2. American Home Shield - Best Customizable Plans
  3. The Home Service Club - Quickest Service
  4. Cinch Home Services - Best Workmanship Guarantee

Choice Home Warranty

4.85

Best Overall

Choice Home Warranty logo
MONTHLY COST $45.00 - $53.33
YEARS IN BUSINESS 15

Over 10 years of experience

24/7 customer service team

Home inspections aren’t required

90-day repair guarantee

Plans aren’t customizable

Customers can’t choose their own contractor

Not available in Washington

In Oconomowoc, Choice Home Warranty offers the best overall home warranty. When you purchase a policy from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are easy to comprehend and have a mix of both system and appliance coverage.

Choice Home Warranty has 2 plans that offer a combination of system and appliance coverage. Choice's service fees are an affordable $85, and the coverage limits come out to around $3,000 for each covered appliance or system.

To read more, visit our Choice Home Warranty Review. To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.

Home Warranty Plans from Choice Home Warranty

Basic Plan
Service fee: $85.00 Monthly cost: $45.00 Items covered: Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater Add-on items: Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer
Total Plan
Service fee: $85.00 Monthly cost: $53.33 Items covered: Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater, AC, Washer, Dryer, Refrigerator Add-on items: Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer

American Home Shield

4.75

Best Customizable Plans

American Home Shield logo
MONTHLY COST $29.27 - $74.27
YEARS IN BUSINESS 26

The oldest and most trusted company in the industry

Allows customers to build their own plans

Ability to choose the service fee you want to pay

Broad coverage on up to 33 appliances and systems

Doesn’t let customers choose their own technician

Doesn’t provide coverage in Alaska

American Home Shield offers the most customizable home warranty in Oconomowoc. AHS has 3 plans for homeowners to decide between. When you purchase a home warranty from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.

The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Oconomowoc area.

For more information on this provider, read our American Home Shield full review. To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.

Home Warranty Plans from American Home Shield

ShieldSilver
Service fee: $75.00 - $125.00 Monthly cost: $29.27 - $44.27 Items covered: Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Locksmith, Plumbing, Plumbing stoppages, Toilet, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Spa, PC, TV, Septic, Well pump
ShieldGold
Service fee: $75.00 - $125.00 Monthly cost: $39.27 - $54.27 Items covered: Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Toilet, Trash compactor, Washer, Water heater, Whole house fan Add-on items: Pool, Spa, PC, TV, Septic, Well pump
ShieldPlatinum
Service fee: $75.00 - $125.00 Monthly cost: $59.27 - $74.27 Items covered: Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Locksmith, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Roof leaks, Toilet, Trash compactor, Washer, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Spa, PC, TV, Septic, Well pump

The Home Service Club

4.7

Quickest Service

The Home Service Club logo
MONTHLY COST $50.40 - $62.90
YEARS IN BUSINESS 15

Policy starts in ten days

24/7 customer service support

Generous coverage caps on important systems and appliances

30-labor guarantee and 90-day parts guarantee

Offers utility and home service outside line coverage

Higher service fee of $95

Not accredited by the Better Business Bureau (BBB)

Only 2 plan options

In Oconomowoc, The Home Service Club is the best home warranty with the quickest service. The 2 home warranty plans that HSC offers include options for appliance and system coverage. When you purchase a home warranty from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.

The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC's plans are close to the $2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $65 to $90.

Read our thorough review of The Home Service Club to learn more. To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.

Home Warranty Plans from The Home Service Club

Standard Coverage Plan
Service fee: $60.00 - $95.00 Monthly cost: $50.40 Items covered: Air conditioner, Ceiling fan, Dishwasher, Garbage disposal, Dryer, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Plumbing, Refrigerator, Trash compactor, Central vacuum, Washer, Water heater Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer
Comprehensive Coverage Plan
Service fee: $60.00 - $95.00 Monthly cost: $62.90 Items covered: Air conditioner, Alarm wiring, Attic fans, Ceiling fan, Dishwasher, Garbage disposal, Doorbell, Dryer, Ductwork, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Pest control, Phone, Plumbing, Plumbing stoppages, Refrigerator, Sump pump, Toilet, Trash compactor, Central vacuum, Washer, Water dispenser, Water heater, Whole house fan Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer

Cinch Home Services

4.35

Best Workmanship Guarantee

Cinch Home Services logo
MONTHLY COST $34.99 - $67.99
YEARS IN BUSINESS 44

Offers home insurance deductible of $500

Extra long 180-day workmanship guarantee

Offers free cancellation in the first 30 days

Charges high service fees of $75-$150

Doesn’t allow customers to choose their own technician

Isn’t available in Hawaii or Alaska

Cinch Home Services offers the home warranty with the best workmanship guarantee in Oconomowoc. Cinch has been on the market for about 43 years, making it a highly regarded company in the industry. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.

The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically about $1,000-$2,000 at the maximum.

To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read our review of Cinch Home Services to learn more.

Home Warranty Plans from Cinch Home Services

Appliances Plan
Service fee: $75.00 - $150.00 Monthly cost: $34.99 - $50.99 Items covered: Cooktop exhaust fan, Dishwasher, Dryer, Food center, Free-standing ice maker, Microwave, Oven, Refrigerator, Refrigerator ice maker, Trash compactor, Washer Add-on items: Pool, Septic, Well pump
Built-in Systems Plan
Service fee: $75.00 - $150.00 Monthly cost: $39.99 - $57.99 Items covered: Air conditioner, Smoke alarm, Attic fans, Bath exhaust fans, Ceiling fans, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Plumbing, Plumbing stoppages, Septic tank pumping, Spa, Sump pump, Toilet, Vacuum, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Septic, Well pump
Complete Home Plan
Service fee: $75.00 - $150.00 Monthly cost: $49.99 - $67.99 Items covered: Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Food center, Free-standing ice maker, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Refrigerator ice maker, Septic tank pumping, Spa, Sump pump, Toilet, Trash compactor, Vacuum, Washer, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Septic, Well pump

Additional home warranty information


Cost to replace or repair common home appliances and repair damages in Oconomowoc

AIR CONDITIONER
$6,185
HEATING
$4,123
ELECTRICAL
$618
TOILETS
$515
WASHER/DRYER
$825
PLUMBING
$618
OVEN/STOVE
$1,649
FRIDGE
$618

Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.

Looking to save big when things go wrong?

Get a free quote from our #1 recommended provider in Oconomowoc

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What is a home warranty?

A home warranty is a plan that can cut back on the cost of on appliance and system repairs and replacements. Our appliances and home systems are what make living in a Oconomowoc home comfortable and convenient. When these things start to break down, it can be pricey and a hassle. Fortunately, with a home warranty plan, an affordable repair is just a phone call away.

Filing a claim with your home warranty company is straightforward. There will be either an online portal or a direct phone number to file your claim with your home warranty company. The claim is then processed, and a homeowner will pay a predetermined service fee to schedule the repair . This repair will typically occur within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees are between $60 and $150.

What does a home warranty cover?

Home warranties help protect both home systems and appliances. A home warranty can cover repair and replacement-related costs that are due to normal wear . Appliances covered under a home warranty plan are typically the refrigerator, garbage disposal, microwave, dryer, dishwasher, and more. Systems that are covered usually include water heaters, plumbing systems, heating systems, electrical systems, and air conditioners. The add-on coverage options can include spa, pool, septic system, roof leak, and sometimes even things like locksmith or pest control.

An important thing to consider is that home warranties only cover normal wear and tear that occurs on your home systems and appliances. Things such as lack of maintenance, cosmetic damages, misuse, and pre-existing conditions are excluded from the home warranty policy.

Is a home warranty worth it in Oconomowoc?


Benefits of a home warranty

Since temperatures in Oconomowoc can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Buying a home warranty policy can help homeowners save money if one of these systems or appliances breaks down unexpectedly.

A home warranty can also give value in other ways. For example, some plans can be transferred to another owner when you sell your home.

Downsides of a home warranty

Home warranties also have some cons. Although it can give you less to worry about since the home warranty sends out a contractor who handles the repair for you, some people may not like this, and they may want to choose a contractor themselves. If that's the case for you, some home warranty companies allow you to choose a contractor. Another drawback is that home warranties may exclude some repairs, such as those due to natural disasters. For example, if your house floods, the systems and appliances that were affected most likely won't be covered by the home warranty.

Whether or not a home warranty is worth it comes down to your personal preference. Similar to any other sort of insurance policy or warranty, it's there to give you a sense of protection, so you will have to be the judge of how much that is worth to you.

Final Thoughts

A home warranty in Oconomowoc can save you a lot of money and give you peace of mind when it comes to costly home repairs and replacements. Choice Home Warranty stands out as the best overall home warranty. It offers great and comprehensive coverage of all the essential home systems and appliances at an affordable cost with several optional add-ons.

Best Overall
  • Over 10 years of experience
  • 24/7 customer service team
  • Home inspections aren’t required
4.8
GET QUOTE
Fast Online Quote
Best Customizable Plans
  • The oldest and most trusted company in the industry
  • Allows customers to build their own plans
  • Ability to choose the service fee you want to pay
4.7
GET QUOTE
Fast Online Quote
Quickest Service
  • Policy starts in ten days
  • 24/7 customer service support
  • Generous coverage caps on important systems and appliances
4.7
GET QUOTE
Fast Online Quote

Home Warranty FAQs


Which home warranty company is the best?

The top home warranty company in Oconomowoc is Choice Home Warranty. Choice Home Warranty has a large network of experienced service technicians and a great reputation in the Oconomowoc area.

What's a home warranty?

A home warranty is a service contract that covers repairing and replacing your major home system components and appliances.

What's the difference between a home warranty and homeowners insurance?

Home warranties cover problems related to systems and appliances that need to be repaired or replaced due to normal wear and tear. The homeowner's insurance policy is a different insurance that protects one's entire home from situations like natural disasters and fires. It doesn't cover typical appliance or system breakage.

What is commonly covered under a home warranty?

The systems and appliances in a home are covered under a home warranty plan in Oconomowoc. Everything from a stove to a garage door can be covered under a home warranty.

Do home warranty plans cover all repair and replacement costs?

Most home warranty plans will cover replacement costs as well as repair costs. How much the home warranty will cover varies from one plan to the next. You can expect that home warranties will give you some money towards a replacement but don't expect to have the entire replacement paid for.

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