4 Best Home Warranty Companies
in Watertown, WI

by House Method Local Advisors - Updated December 8, 2022

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

Although homeownership in Watertown has a lot of perks, such as being surrounded by nature, there are also downsides, similar to owning a house anywhere else. One major problem many homeowners have to deal with at some point is replacing or repairing their appliances and home systems.

Even though a home warranty can help with your expenses as a homeowner, one pain point is narrowing down the best choice for your Watertown home. That's why we've done the research and have put together a guide of the top home warranty plans in Watertown.

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 Watertown


The first step in protecting your property with a home warranty is determining which company's plan is the best for you. Consider the items in your home you'd like coverage for and compare the plans. Below is a list of some tips on purchasing a home warranty in Watertown:

Quick reference for home warranty companies in Watertown

$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


If you're a homeowner in Watertown, you have access to some of the top home warranty providers in the country. House Method's experts narrowed down these companies to the top few by analyzing item coverage, customer reviews, coverage caps, costs, contract simplicity, workmanship, service fees, and more. Here's how they 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 Watertown, Choice Home Warranty offers the best overall home warranty. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 home warranty plans that Choice has include options for appliance and system coverage.

The 2 plans from Choice Home Warranty are 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 read more, visit our full review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, you can 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 is the most customizable home warranty in Watertown. 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. AHS has 3 simple plans, making the selection process easy.

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

Read our American Home Shield full review to learn more. To get a free quote from American Home Shield, you can 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 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 Watertown, The Home Service Club is the best home warranty with the quickest service. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it 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 HSC are comprehensive and offer a mix of both system and appliance coverage.

The Home Service Club has 2 plans that provide a mix 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 at the maximum.

Read our 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

In Watertown, Cinch Home Services is the home warranty with the best workmanship guarantee. The home warranty provider offers 3 plans to policyholders with 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 plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Watertown area.

To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For a more detailed breakdown, read our Cinch Home Services full review.

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 Watertown

AIR CONDITIONER
$5,971
HEATING
$3,981
ELECTRICAL
$597
TOILETS
$498
WASHER/DRYER
$796
PLUMBING
$597
OVEN/STOVE
$1,592
FRIDGE
$597

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 Watertown

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What is a home warranty?

A home warranty is a service contract that makes it more affordable when one of your home systems or appliances experiences a problem. A home warranty can help homeowners who need to stick to their budget and don't want to use their savings to pay for large repair or replacement expenses. Typically about 30 days after a home warranty plan is paid for, the coverage will start on your home systems and appliances.

When you notice an issue with one of your appliances or systems, you can file a claim with your home warranty provider. Then, a customer service representative will reach out to you about a repair technician coming over to take a look at the problem. At this point, you will also pay your service fee. Once the repair person takes a look at the issue, they will deal with it at no cost to you. The only time a homeowner may have out-of-pocket costs is if the repair or replacement is higher than the item's coverage cap.

What does a home warranty cover?

Home warranty plans help protect both your home systems and appliances. A home warranty can cover repairs and replacements that are a result of normal wear and tear. The appliances that are typically covered under a home warranty plan include garbage disposal, clothes washer, refrigerator, dishwasher, clothes dryer, microwave, and more. The systems usually included are plumbing systems, electrical systems, ductwork, air conditioners, and hot water heaters. Add-on coverage options can vary by plan but typically include things like a plumbing stoppages, central vacuum, septic system, second refrigerator, and sprinkler system.

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 Watertown?


Benefits of a home warranty

Watertown is known for its frigid winters, and if you live in Watertown, you know that those winters can be chilly. During the winter months, your heating system can be strained in its effort to combat the cold. If your heater did give out, a home warranty can cover repairs and prevent you from spending out-of-pocket expenses.

Additionally, having a Watertown home warranty can help make your house more appealing to potential home buyers if you ever decide to sell in the future. Many home warranty providers will allow you to transfer your policy to a new owner and give them the same protection you've been benefiting from.

Downsides of a home warranty

Home warranties also have some downsides. Though it can give you less to worry about since the home warranty sends out a repair person who handles the repair for you, some people may not like this, and they would prefer to choose their own contractor. If that's the case for you, some home warranty plans allow you to choose a contractor. Another possible pain point of home warranties is that they don't cover items that have been improperly maintained. This can lead to your repair requests being denied, so it's important to carefully follow the manufacturer's guidelines for maintenance of your home systems and appliances.

A home warranty can help with some of a homeowner's maintenance worries, but in the end, it's up to you to decide if investing in one is a good choice for you and your family. Be sure to do your research and read through any home warranty plans that you're seriously considering buying to get a handle on what repairs will and will not be covered under your contract.

Final Thoughts

Hopefully, you now feel as though you can choose the right home warranty for your Watertown home. The best provider in Watertown is Choice Home Warranty. Choice Home Warranty offers great coverage at an affordable price.

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 provider in Watertown is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced technicians and a great reputation in the Watertown area.

How is a home warranty different from homeowners insurance?

A home warranty plan covers the normal wear of systems and appliances in a home. Homeowners insurance protects your home in a situation such as a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim if you need a new washing machine or oven, unless the damage is a result of a natural disaster.

Should I get a home warranty policy?

A home warranty plan can help investors, real estate agents, home sellers, homeowners, and homebuyers. It can offer peace of mind to anyone that is involved with homeownership.

What is generally covered under a home warranty?

A home warranty plan covers repair and replacement costs for systems and appliances in a home. Home warranties only cover damage due to normal wear and tear and usually don't cover pre-existing conditions.

Do you really need a home warranty?

Homeownership can be expensive. When a system or appliance breaks down, it can leave homeowners unexpectedly having to come up with the money to fix it. With a home warranty plan, you will not have any large hits to your savings account .

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