As a Wisconsin homeowner, you can gain peace of mind by investing in a home warranty. It ensures that throughout the hot and cold months, your most used systems and appliances will have coverage in case they break down due to everyday wear and tear.
The This Old House Reviews Team gathered the information you need to find the best home warranty in Wisconsin. In this review, we discuss the ins and outs of the best home warranty companies in WI.
Wisconsin’s Top 4 Home Warranty Companies
The highest-rated home warranty companies in Wisconsin include:
- American Home Shield (AHS): Best Overall
- Choice Home Warranty (CHW): Best for Service
- AFC Home Club: Best for Customization
Here’s a closer look at our top four picks.
1. American Home Shield
American Home Shield has been in business since 1971 and is a veteran in the home warranty industry. It’s a Better Business Bureau (BBB)-accredited company with a solid B rating. AHS also has an extensive network of 17,000 contractors and has paid out $2 billion in home warranty claims in the last five years.
Pros and Cons of American Home Shield
|Covers damage from rust and corrosion, as well as undetectable pre-existing conditions||Only has a 30-day repair guarantee|
|Offers flexible service fees||Isn't available in Alaska|
|Provides roof leak coverage|
Plans and Pricing of American Home Shield
American Home Shield offers three home warranty plans: ShieldPlatinum™, ShieldGold™, and ShieldSilver™. The ShieldPlatinum plan is the most comprehensive coverage plan, covering 23 essential home systems and appliances. The ShieldGold plan is a level below ShieldPlatinum and covers the same 23 systems and appliances; however, it excludes an HVAC tune-up and has a lower appliance coverage limit. The ShieldSilver plan covers 14 home systems, such as your air conditioning and plumbing.
For an additional fee, you can add on coverage for your pool and spa, well pump, septic pump, and guest unit under 750 square feet. You can also purchase an extended warranty for your electronic devices.
In general, American Home Shield plans cost between $40 and $58 per month. AHS also lets customers select their own service fee of $75, $100, or $125. The higher the service fee, the lower the monthly premium and vice versa.
2. Choice Home Warranty
When it comes to customer satisfaction for home warranties in Wisconsin, Choice Home Warranty (CHW) is the best choice. CHW provides its customers with a claims center that’s open 24 hours a day, seven days a week, and it offers free repairs within 90 days if an item breaks down after a repair.
Pros and Cons of Choice Home Warranty
|Covers systems and appliances no matter the age||Provides only two plans, as other companies provide four|
|Affordable plans compared to competitors||Has a low $1,500 coverage cap|
|Home inspections aren't required for coverage|
Plans and Pricing of Choice Home Warranty
Choice Home Warranty customers receive basic and comprehensive coverage through the company’s two packages: the Basic Plan and the Total Plan. The Basic Plan covers essential items and systems like an electrical system or dishwasher. The Total Plan provides extra coverage for items like a home’s air conditioning, refrigerator, clothes washer, ice maker, and clothes dryer.
Customers can also pick from Choice Home Warranty’s optional add-ons, such as: pool/spa, central vacuum, second refrigerator, well pump, limited roof leak, stand alone freezer, sump pump, septic system, and septic tank pumping.
The Basic Plan costs $36.17 per month, and the Total Plan cost $43.85 per month. Customers can also expect to pay a $60-$85 service fee when technicians arrive to diagnose any broken items or systems.
3. America’s First Choice Home Club
America’s First Choice Home Club (AFC Home Club) has been around for 10 years and is a trusted company in the home warranty industry. It offers a variety of customizable plans and offers unique customer benefits, like free credit monitoring and emergency alert services.
Pros and Cons of AFC Home Club
|Customers can use any licensed, certified contractor for repairs||Will only pay up to $150 on claims filed during the first 30 days of the policy|
|Repairs are guaranteed for the life of the plan||Charges a $75 cancellation fee|
|Offers unique benefits like free credit monitoring, discounts on appliances, and emergency services||Customers have one day to submit a claim|
Plans and Pricing of AFC Home Club
America’s First Choice Home Club offers four plans at varying levels of coverage: a Systems Plan, Silver Plan, Gold Plan, and Platinum Plan. The Systems Plan covers essential home systems like air conditioning and electrical systems, the Silver Plan covers major home appliances, the Gold Plan covers a combination of the two, and the Platinum Plan covers everything in the Gold Plan plus a built-in microwave, plumbing stoppages, and an ice maker.
You can also add on optional coverage for the following items:
- Sump pumps
- Septic systems
- Hot water dispensers
- Standalone freezers
- Tankless water heaters
The Systems and Silver Plans both cost $43.18 per month, the Gold Plan costs $52.27, and the Platinum Plan is $59.09. Service fees range between $75–$125. Typically, a lower service fee means a higher monthly premium and a higher service fee will result in a lower monthly cost.
Wisconsin Home Warranty Company Comparison
|Provider||American Home Shield||Choice Home Warranty||AFC Home Club|
|Provider||American Home Shield||Choice Home Warranty||AFC Home Club|
|Get a free quote||Visit Site||Visit Site||Visit Site|
|Number of plans||3||2||4|
|Choose your contractor?||Yes||No||Yes|
American Home Shield, Choice Home Warranty, and AFC Home Club offer the best home warranties to Wisconsin homeowners. While our Reviews Team identified American Home Shield as the best overall provider based on a variety of factors, we recommend getting quotes from at least three of these companies to see how much a plan would cost for you and your home.
Frequently Asked Questions about Wisconsin Home Warranties
Which home warranty is the best?
The home warranty that’s best for you is one that covers the systems and appliances most important to you. Some home warranty providers leave out key appliances or systems in their basic plans, including air conditioning or plumbing stoppages, so pay attention to each plan’s coverage before signing a contract.
Which home warranty covers the most items?
If you’re looking for maximum coverage based on the companies reviewed, American Home Shield’s ShieldPlatinum plan offers the most comprehensive coverage for appliances and systems. First American also covers certain items that other companies don’t, like roof leaks and septic systems, but you’ll have to upgrade your plan before receiving this type of coverage.
Do home warranties cover old appliances?
Most home service contracts don’t deny coverage based on the age of a home or its appliances. Companies like Choice Home Warranty will cover repairs and replacement costs no matter how old the systems or appliances are.
Each of these home warranty companies offers plans with similar advantages, but some stand out for unique benefits. In this comparison chart, we’ll review the similarities and differences between the three best home warranty companies in Wisconsin.
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