4 Best Home Warranty Companies
in Vernon, WI

by House Method Local Advisors - Updated November 9, 2022

A home warranty is a way to protect your savings account from unexpected large expenses. With a home warranty in place, your repair costs can be significantly lower and allow you to live in your home with more peace of mind.

Homeownership in Vernon can be an exciting stage in many people's lives, but it also comes with its fair share of challenges. Updating your home's systems and appliances can be an unanticipated financial burden for many homeowners.

Since the home warranty market is saturated with a lot of providers — all with different coverage — the House Method team decided to do the research for you to help you find the best home warranty in Vernon.

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 Vernon


Choosing the right provider for your home warranty is a step you could take to protect your home. Before making your final decision, here are a few additional factors to consider:

Quick reference for home warranty companies in Vernon

$45.00 - $53.33/month
14 years in business
$29.27 - $74.27/month
25 years in business
$50.40 - $62.90/month
14 years in business
$34.99 - $67.99/month
43 years in business

Home Warranty Company and Plan Details


If you're a homeowner in Vernon, you have access to many of the top home warranty providers in the US. House Method's experts did the work for you in narrowing down the top companies by comparing monthly costs, service fees, state availability, customer reviews, and more. Here's how Vernon's top providers 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 14

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

Choice Home Warranty offers the best overall home warranty for Vernon residents. Choice has 2 plans for homeowners to decide between. If you're looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.

There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps associated with Choice's plans are around the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $85.

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For more information on this provider, read our detailed review of Choice Home Warranty.

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 25

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 is the most customizable home warranty for Vernon residents. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easy to comprehend and offer both system and appliance coverage.

There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also around $2,500.

For a more detailed breakdown, read our American Home Shield Review. To receive a free quote from American Home Shield, fill out this online form or call 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 14

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 Vernon, The Home Service Club offers the best home warranty with the quickest service. When you purchase a policy 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. HSC has 2 plans for you to choose from.

The Home Service Club has 2 plans that offer a combination of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically around $2,000.

Read our comprehensive review of The Home Service Club to learn more. To receive a free quote from The Home Service Club, fill out this online form or call 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 43

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

In Vernon, Cinch Home Services offers the home warranty with the best workmanship guarantee. The 3 plans from Cinch are comprehensive and have a mix of both system and appliance coverage. 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. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $75 to $150.

To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. To read more, visit our review of Cinch Home Services.

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 Vernon

AIR CONDITIONER
$6,257
HEATING
$4,172
ELECTRICAL
$626
TOILETS
$521
WASHER/DRYER
$834
PLUMBING
$626
OVEN/STOVE
$1,669
FRIDGE
$626

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 Vernon

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What is a home warranty?

A home warranty is a coverage plan that helps homeowners cut back on the high costs of appliance and systems repairs. Home warranties will provide coverage for a number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty is one thing that can make it easier to budget and manage your finances. Home warranty plans usually have a thirty-day waiting period from the time you purchase to the time you can start using it.

When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty provider. Most companies have an online portal to help you do this. Once you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. The claim is then processed, and a homeowner will pay the service fee to schedule the repair for their home. This repair will typically happen within 24 to 72 hours and should only cost the homeowner the price of the service fee. Most service fees are between $60 and $150.

What does a home warranty cover?

A home warranty will cover systems and appliances that have broken down from normal wear and tear. For instance, if your refrigerator suddenly stops working under normal use conditions, you can call your home warranty company. Typical appliances covered by a home warranty plan include a dishwasher, microwave, washer, refrigerator, garbage disposal, dryer, and more. The systems that are most commonly covered will be plumbing systems, air conditioners, heating systems, electrical systems, and hot water heaters. Many plans also have add-on coverage options like roof leaks, central vacuum, septic systems, and even locksmith.

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

Is a home warranty worth it in Vernon?


Benefits of a home warranty

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

Another benefit of having a home warranty when you're selling your home is that you can probably transfer your home warranty policy to the new owners. This can make your house more attractive to potential home buyers and may help your house sell faster.

Downsides of a home warranty

There are also some drawbacks to buying a home warranty policy, like the coverage exclusions. For example, home warranties may not cover home systems or appliances that are already covered under a manufacturer's warranty. Another consideration is that home warranties typically only cover damage from normal wear and tear. They commonly won't cover systems or appliances that have stopped working due to animal infestations, natural disasters, improper maintenance, etc.

Whether or not a home warranty is worth it ultimately comes down to your personal situation. Similar to any other type of insurance policy or warranty, its purpose is to offer you a sense of protection, so you will have to decide how much that is worth to you.

Final Thoughts

A home warranty in Vernon 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 choice. With its comprehensive coverage, affordable cost, and a good reputation in the industry, Choice Home Warranty has a lot to offer.

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


What's the best home warranty company?

The best home warranty provider in Vernon is Choice Home Warranty. Choice Home Warranty a large network of professional technicians and a respected reputation in the Vernon area.

What's the purpose of a home warranty?

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

Should I get a home warranty plan?

A home warranty can help home sellers, homebuyers, investors, homeowners, and real estate agents. It can provide peace of mind and savings to anyone involved in homeownership.

Is it a good idea to buy a home warranty?

Many homeowners feel like a home warranty is a good investment because it helps protect against unexpected expenses. If you're worried about your finances and your ability to keep your home in good working order, getting a home warranty can help. One of the big pluses of a home warranty is that it can offer you some financial peace of mind.

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