A Rhode Island home warranty will save you money when one of your major systems or appliances, like your heating or plumbing, inevitably breaks down from all of its use. Not to mention, having a home warranty prevents you from having to spend time and money looking for a trusted contractor to complete repairs.
The This Old House Reviews Team compared plans, pricing, and customer reviews to help you find the best home warranty. Keep reading for the top home warranty companies in the Ocean State.
Rhode Island’s Top 3 Home Warranty Companies
The three Rhode Island providers in this review stood out because of their comprehensive plans, extensive add-on options, excellent customer service, and affordable pricing. The highest rated home warranty companies in Rhode Island include:
- American Home Shield (AHS): Best Overall
- Choice Home Warranty: Best Service
- Select Home Warranty: Lowest Deductible
Here’s more detail about our top three picks.
1. American Home Shield
American Home Shield (AHS) is our top pick for Rhode Island homeowners because it has more than 45 years of industry experience and three coverage plans. Some of American Home Shield’s best features are its generous coverage caps and option for choosing your own service fee.
Pros and Cons of American Home Shield
|Protects 49 states, excluding Alaska||Offers no plans to cover appliances only|
|Offers 24/7 customer service||Doesn’t offer protection for items under a manufacturer’s warranty|
|Customers can receive discounts on name brand appliances|
Plans and Pricing of American Home Shield
American Home Shield offers the ShieldSilver™, ShieldGold™, and ShieldPlatinum™ plans. The ShieldPlatinum plan is among the most comprehensive in the industry, It covers 23 appliances and systems, offers roof leak coverage, and allows the homeowner one free HVAC tune-up during the warranty period.
In addition to these plans, American Home Shield offers optional add-on coverage for the following items:
- Guest unit under 750 square feet
- Electronic extended warranty
- Pool and spa
- Well pump
- Septic pump
American Home Shield plans range between $40–$58 per month. You can also choose a service fee of $75, $100, or $125 when signing up for a plan, making it a flexible option for homeowners.
2. Choice Home Warranty
Choice Home Warranty (CHW) has over 10 years of experience in the home warranty industry and provides two straightforward plans. Choice is known for not denying coverage based on the age of a system or appliance and providing after-hours service.
Pros and Cons of Choice Home Warranty
|Has a 90-day repair guarantee||Doesn’t allow customers to choose a repair technician|
|Provides optional coverage for a second refrigerator, pool, spa, and more||Coverage starts 30 days after signing up for a plan|
|Has a guaranteed response time within 48 hours of receiving a claim|
Plans and Pricing of Choice Home Warranty
Choice has a Basic Plan and a Total Plan. The Basic Plan covers 14 major systems and appliances, while the Total Plan covers everything under the Basic Plan, plus a refrigerator, air conditioner, washer, and dryer.
Here are a few items you can add onto any plan for an additional cost:
- Limited roof leaks
- Sump pump
- Well pump
- Central vacuum
- Second refrigerator
Choice Home Warranty plans cost between $37–$44 per month and offers service fees between $60–$85.
3. Select Home Warranty
Select Home Warranty is a newer home warranty company, but it has the lowest service fees and the longest list of add-on options compared to the other providers in this review.
Pros and Cons of Select Home Warranty
|Provides a discount if you enroll in a multi-year plan||Has low coverage caps|
|Offers free roof leak coverage||Charges a $75 cancellation fee|
|Customers get two extra months free when signing up today|
Plans and Pricing of Select Home Warranty
Select Home Warranty offers three separate plans for systems, appliances, and comprehensive coverage. Gold Care covers six systems, Bronze Care covers eight appliances, and Platinum Care covers all 14 items, plus plumbing stoppages and garage door openers.
Here are just a few of the unique items you can add onto any plan to customize your coverage:
- Lawn sprinkler system
- Switches and outlets
- Lighting fixtures
- Refrigerator ice maker
- Plumbing fixtures
Select Home Warranty plans are cheaper when you pay for them in a lump sum at the beginning of the year, as opposed to paying for them month by month. On average, Select plans range between $36–$38 per month. Select charges a service call fee of $75 per claim.
American Home Shield, Choice Home Warranty, and Select Home Warranty provide some of the best Rhode Island home warranty plans for residents. Regardless of which home warranty company you choose, you’ll have peace of mind that if a covered system or appliance were to break, you’d be covered. Before you purchase a home warranty, we recommend getting quotes from all three companies since pricing will change depending on your region and home size.
Frequently Asked Questions about Rhode Island Home Warranties
Do I need an inspection to start home warranty coverage?
A home inspection is designed to assess the condition of your home systems and appliances before coverage kicks in. Though most home warranty companies don’t require one, we recommend getting one so you’re not blindsided by a coverage exclusion or limitation when you file a claim.
What does a Rhode Island home warranty cover?
A home warranty covers major systems like your heating, air conditioning, plumbing, electrical, and water heater, in addition to appliances like your refrigerator, dishwasher, washer, and dryer. Before purchasing a plan, assess what systems or appliances in your home need protection.
Do home warranties have a deductible?
Yes, in the home warranty industry, the term, “service fee,” is used instead of “deductible.” When one of your covered items breaks down, you submit a service request through your provider. Once the request is approved, the company will send one of its service contractors to your house, where you will pay the service fee and receive a diagnosis and repair.
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