Best Home Warranty Companies in Wyoming

By: Cynthia Cook

With harsh winters threatening the function of your water heater and electrical systems being at risk during a thunderstorm, life can get risky in the Cowboy State. Luckily, taking care of repairs or possible replacements is attainable with a home warranty plan. Home warranty plans can help ease homeowner worries by covering the cost of unexpected home repairs, keeping you and your family safe and secure without breaking the bank. 

When thinking about your best choice for home warranty coverage, consider your specific home needs and anticipate what could go wrong. Whether you’re in Jackson, Cheyenne, Casper, or Laramie, it’s important to keep in mind why you might benefit from getting a plan and how to buy one. 

Read on to learn about the best home warranty companies that service the state, common issues a Wyoming homeowner might face, and important home warranty buying tips that can help you navigate any issues throughout the process. 

Wyoming’s best home warranty companies

The following home warranty companies are known for providing the best coverage in the state of Wyoming, protecting you from pricey repair costs and serving your particular needs.

  • Superior coverage with low monthly cost
  • After hours customer service
  • 90-day repair guarantee

  • Offers three plans with unique add-ons 
  • Free leak roof coverage
  • Responsive customer service

  • 90-day parts guarantee
  • After-hours service 
  • Add-ons available

  • 30 years of experience 
  • Unlimited service calls 24 hours a day, 7 days a week, 365 days a year 
  • Covers improperly installed or maintained items 
  • No cap on HVAC coverage

  • Best appliance coverage 
  • Option to build your own plan 
  • Doesn’t charge to remove broken appliances from your home
  • 24/7 online service

Wyoming is located in the mountain region of the western United States, with two-thirds of the state covered by mountain ranges and rangelands and the eastern part of the state covered with high elevation prairies called the High Plains.

The state is bordered in the north by Montana, in the east by South Dakota and Nebraska, in the south by Colorado, in the southwest by Utah, and in the west by Idaho and Montana. The state is the 10th largest by area but the second most sparsely populated state in the country, with an estimated population of 577,737 people in 2018.

The state has a couple of nicknames, including the “Cowboy State,” “Big Wyoming,” and the “Equality State,” the latter coming from its history of being the first state to grant women the right to vote in 1869. The state’s Grand Teton and Yellowstone national parks are some of the largest and most famous parks in the country. 

The state is also known for its deep-seated Native American history with the Crow, Lakota, and Shoshone tribes having roots in the region.

According to Zillow, the current median home value for Wyoming is $236,100 with values having increased in the past year by 6.9%. Home values in the state are predicted to keep rising within the next year, making home warranty policies all the more important if you’re looking to buy a home in the region.

Top home maintenance problems in Wyoming

In Wyoming, there are specific home maintenance issues that homeowners constantly face. Since the Equality State is located in a mountainous region, the climate can be drier and windier in comparison to the rest of the U.S., warranting more temperature extremes. 

Here are common systems and appliances that give Wyoming homeowners issues throughout the year: 

Heating system

Winters in Wyoming can be harsh, bringing average temperatures to 31°F and between 12–14°F in January and February. Because of this, Wyoming homeowners know how important it is to have heating systems covered, lest they find themselves without heat in a snowstorm.

The top-rated home warranty companies in Wyoming always have this included in their plans, like the Basic Plan from Choice Home Warranty that covers heating systems and ductwork so you don’t have to fret over frigid Wyoming winters.

Air conditioner

Similar to the extreme winter lows, summers in Wyoming can reach record highs, with average temperatures in July reaching between 85 and 95°F. Sweltering summers mean the air conditioning systems need to be protected so you’re not caught in the heat.

Companies like American Home Shield have air conditioning systems and ductwork including in their Systems Plan and also feature free removal of broken appliances should any part or component need replacement.

Electrical systems

During the spring and early summer, there’s a lot of thunderstorm activity reported in the state, making it essential to have electrical systems covered. First American Home Warranty offers a Premier Plan in addition to its Basic Plan that covers your electrical systems as well as all major appliances. 

Appliances

Outages or maintenance issues in electrical systems can undoubtedly affect major appliances, like your washer and dryer, refrigerator, and cooktop. Home warranty plans will keep your clothes clean and dry and food from going bad, so all your basic needs are taken care of. Appliance plans like the Bronze Care plan from Select Home Warranty offer to repair or replace covered items with a minimal service fee.

Sump pumps, well pumps, and septic systems

For those that live in the wide-open rural areas of Wyoming, these systems are essential for living. In addition to their Gold and Platinum plans, Total Home Protection offers optional add-ons with sump pump, well pump, and septic system coverage so you’ll never feel stranded.

Who is eligible for a home warranty in Wyoming?

Home warranties in the state of Wyoming can be purchased by a wide variety of homeowners. Mobile home owners can get mobile home warranties just like single-family homeowners can buy a warranty to cover basic home systems and appliances. The same goes for those who live in a duplex, townhome, and condominium—they can purchase plans that are slightly different than structured home plans but offer similar coverage.

What is covered under a Wyoming home warranty?

Most home warranty companies offer three levels of coverage: basic, comprehensive, and an optional customizable plan. Here’s what the best home warranty companies for Wyoming cover: 

Choice Home Warranty  

There’s a reason Choice Home Warranty ranks at the top of our list. With a low average monthly cost of $29 to $42 per month, Choice Home offers comprehensive coverage for major home systems and appliances plus 24/7, 365 days a year-customer service.

The Basic Plan covers 14 home and appliance systems while the Total Plan covers 18 home and appliance systems with the option to add additional coverage per item. The Basic Plan covers systems like your water heater and Whirlpool bathtub, while the Total Plan is more extensive, covering washer and dryer units, air conditioning, plumbing systems, exhaust/ceiling fans, and more. Choice Home does not cover any failure or malfunction of a system or appliance due to insufficient maintenance.

MORE: Read our Choice Home Warranty Review

Select Home Warranty

Select Home Warranty boasts three home warranty plans, plus a unique list for optional add-ons with items that many companies don’t cover, like roof coverage and lawn sprinkler system protection. Prices for plans range
from $36 to $42 and customers can save $100 per year if they opt for an annual plan.

The Bronze plan covers appliances like washer and dryer units, cooktops, and garbage disposals, while the Gold Care plan covers home systems like heating, cooling, and plumbing. The Platinum Care package essentially combines these two plans, and their additional coverage features protection for your septic system, well pump, sump pump, and more.

MORE: Read our Select Home Warranty Review

Total Home Protection

With an average cost of about $43 to $52 per month, Total Home Protection offers two plans: Gold and Platinum. The Gold Plan covers 13 systems and appliances, including your plumbing system and stoppages, built-in sump pump, and electrical system. The Platinum Plan covers 17 systems and appliances like the water heater, dishwasher, and garbage disposal.

There are add-ons available for both plans, like coverage for pool and spa systems, well pumps, additional heating systems, and more. A bonus for Total Home is their excellent septic system coverage, covering both septic systems and septic tank plumbing—a necessity for rural Wyoming homeowners.

MORE: Read our Total Home Protection Review

First American Home Warranty 

This 35-year-old company is definitely an industry leader, serving over 590,000 customers. They offer two primary plans, the Basic Plan and the Premier Plan, with prices ranging from about $28 to $50 per month

The Basic Plan covers a wide range of systems and appliances, like heating, air conditioning, water heaters, plumbing system, and more. The Premier Plan covers additional items that you don’t often think about, but would feel burdened by their repair or replacement, like garage door openers, built-in microwaves, and garbage disposals. A plus for First American is their “First Class Upgrade” optional coverage that covers systems and appliances if they were not properly installed, maintained, or modified.

MORE: Read our First American Home Warranty Review

American Home Shield 

On average, American Home Shield coverage costs around $20 to $65 per month, but those costs can vary per plan. AHS is known to be the best for appliance coverage, with their Appliance Plan covering 10 major home appliances including the refrigerator, dishwasher, washer, and dryer.

Additionally, American Home Shield offers a Systems Plan, Combo Plan, and Build-Your-Own Plan, with optional insurance for items like septic pumps, pools, and spas.

MORE: Read our American Home Shield Review

How much does a home warranty cost in Wyoming?

The average home warranty cost in Wyoming is dependent on what kind of plan you purchase, what add-ons you include, the service provider you choose, and where you live. For Wyoming residents, the cost of coverage might be higher depending on your needs and even your location in the state. For rural residents, adding septic system or well pump coverage to your base plan might be essential and therefore shift your monthly premium.

In general, home warranties cost around $300 for basic coverage and $600 for more comprehensive plans. In addition to your monthly premium, you’ll have to pay a service fee every time a claim is approved and a contractor is sent out for service. These fees vary per your home warranty provider, but they average around $75 to $125.

There are caps or limits to how much a home warranty plan will pay out, but this all depends on the plan you purchase and the service provider you choose. Your contract will specify how much your home warranty company will pay for repairs and replacements and if there is a cap on how much they would be willing to pay.

How does a home warranty work in Wyoming?

For home warranties in the state of Wyoming, there’s a process by which homeowners will go about fixing a maintenance issue or unexpected appliance breakdowns. If your water heater breaks down during one of Wyoming’s harsh winters, for example, this is how it would be addressed: 

  • Call your home warranty provider via their customer service line or visit their website to issue a service request. For most companies that service Wyoming, like American Home Shield or Choice Home Warranty, a service fee will be collected per the service trade (plumber, electrician, etc.). 
  • Your home warranty provider will send out an assigned service contractor to handle your request. 
  • If your service technician deems your item cannot be repaired, some companies like Choice Home Warranty, First American, and Total Home Protection will replace it (under certain conditions).
  • Your home warranty provider will follow up on your experience by phone or email and help you assess any further needs if applicable.

Why is a home warranty in Wyoming necessary?

Whether you’re a current homeowner or about to take your first steps as one, you may have already asked yourself—should I get a home warranty? You also might be debating whether or not a home warranty plan is worth the cost, considering the bills you already have to pay and the mortgage you just took on. 

In our view, having a home warranty plan with comprehensive coverage is an absolute must. It can provide more peace of mind for buyers to know their major home systems and appliances will be covered should a maintenance issue ever present itself.

Moreover, for those who live in Wyoming and might endure the state’s climate extremes, having safe and secure home warranty coverage can save you more money in the long run. Let’s say your heating system breaks down during a bitter, windy winter. The average cost of a new furnace is around a whopping $3,100—a much greater emergency expense vs. paying as low as $25/month for secure home warranty coverage.

Buying a home warranty in Wyoming

Whether you’re located in the dry, cowboy town of Dubois or nestled near the Big Horn mountains in Ten Sleep, a warranty plan can help keep your home safe and secure while also protecting your budget.

When searching for the best home warranty coverage in Wyoming, there are a few things to consider: 

  • Coverage—Whether you go for appliance, system, or combination coverage, read through the contract completely to ensure necessary items are taken care of. This is especially important for rural Wyoming residents who need sump pump or septic system coverage.
  • Additional coverage—Do you have a pool or extra refrigerator you need covered? Make sure your home warranty plan offers coverage for these optional “add-on” items.
  • Cost—If you’re on the fence with home warranties, try comparing the annual and monthly costs of your home warranty plan against the potential cost of repairs should an appliance break down. Confirm you can afford the monthly or yearly premium. 
  • Service fees—On average, service fees typically range from $75–$125. Make sure this is something you’re comfortable with, especially if you might be needing multiple repairs within a short amount of time.
  • Coverage caps and limitations—Make sure the systems and appliances in your contract have generous coverage caps so you’re not left forking out unexpected costs to cover the whole repair. 
  • Customer reviews—Check out trusted websites like TrustPilot and the Better Business Bureau to assess customer satisfaction. Read through fellow homeowner reviews to see if the company is truly living up to its promises.

Wyoming home warranty reviews

Below are a few reviews from current Wyoming home warranty holders:

Joanne Holt, October 18, 2019

I had a water leak from my hot water heater that was running water outside. I called Choice [Home Warranty] that night and filed a claim. I received a text message the next morning with the name of the company and tech name with the time of arrival that day. Problem was fixed within 45 mins. Tech was courteous and explained what the problem was.”

Laws, October 16, 2019

“My washer broke down and First American Home Warranty sent a repair man and then contacted me to have a new washer installed. Everything was done quickly and they left no mess. I am extremely happy with them.”

Colleen H., October 8, 2019:

“I’ve had AHS for many years. I tried others in the past, but they did not replace items at replacement value, so if you had an older home they would depreciate the amount for that appliance due to the number of years old the appliance was. Once I learned that AHS doesn’t do this, I jumped on board and have never looked back.”

Frequently asked questions

Do home warranties cover pre-existing conditions?

No, home warranties generally don’t cover known pre-existing conditions. Although a home inspection is not necessary to get home warranty coverage, it can be used to show the provider that a pre-existing condition was unknown to the homeowner.

Should I get a home warranty?

Yes, we always suggest homeowners get home warranty coverage to prevent them from paying full price for expensive repair and replacement costs. House Method suggests coverage for all homeowners, including first-time home buyers, sellers, realtors, and rental property owners.

How long does a home warranty last?

Home warranties are typically a one-year contract, although some companies will offer discounts for enrolling in three- to five-year plans. Home warranty plans are not insurance policies—they’re optional contracts you can cancel at anytime.

What is covered by home appliance insurance?

Home appliance insurance covers items that have broken down due to normal wear and tear. Most home warranty companies offer different levels of coverage—basic plans for appliances and/or home systems, combo plans that can include additional items like pool and spa coverage, and optional add-ons for special features like an additional refrigerator or lawn sprinkler system.

Our conclusion

Owning real estate in one of the more beautiful states in the U.S. is a true American dream, but dealing with unexpected costs and repairs? That can turn into a bit of a nightmare, especially in the midst of a severe winter or stuffy summer.

That’s why we highly recommend getting coverage for your home, saving you money in the long run and easing homeowner anxiety. It’s common for home systems and appliances to break down or run into issues over time, and for the Wyoming homeowner, getting coverage can help lessen financial worry and keep your home safe and secure.

Still not sure which Wyoming home warranty is right for you?

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