A Rhode Island home warranty could save you money when one of your major systems or appliances, such as your heating system or plumbing, inevitably breaks down from use. Plus, having a home warranty prevents you from spending time and money looking for a trusted contractor to complete your home repairs. We compared plans, pricing, and customer reviews to help you find the best home warranty in the Ocean State.
Rhode Island’s Top 5 Home Warranty Companies
The five 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 Rhode Island home warranty companies include the following:
Summary of the Best Home Warranty Companies in Rhode Island
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.
Annual Home Warranty Cost Calculator
Our team created a calculator to break down the estimated annual cost of owning a home warranty. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.
Note: The annual cost figure generated by our home warranty calculator is not an indication of a company’s actual plan cost, as annual costs and service fees vary based on your plan selections and your home’s size, type, and location.
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.
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.
Liberty Home Guard, American Home Shield, and America’s First Choice Home Club provide extensive coverage, flexible fees, and solid customer service. Regardless of which home warranty company you choose, you’ll have peace of mind if a covered system or appliance experiences a breakdown. 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.
How Do I Find the Best Home Warranty Company in My Area?
Find in-depth reviews on the best home warranty companies for each state and major US city below.
Our Rating Methodology
We back up our home warranty ratings and recommendations with a detailed rating methodology to score each provider objectively. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and conducting focus groups and consumer surveys.
We score each provider against our review standards, which include four comparison categories: coverage, value, trust and transparency, and availability and service. We rate each provider across 31 factors within these categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We then convert the final scores to a 5-star rating.
Here’s a breakdown of our weighted factors:
- Coverage (40%): We scored coverage based on included home systems and appliances, add-on options, and unique benefits. We also compared coverage caps and policy exclusions.
- Additional coverage items
- Annual coverage cap
- Home systems coverage
- Major appliances coverage
- Obstructed wall coverage cap
- Value (30%): We compared the coverage level received to monthly pricing to determine plan value. We considered premium pricing, service fees, and flexibility in customizing plan costs.
- Average monthly cost
- Cost flexibility
- Lowest service fee
- Trust and Transparency (16%): We evaluated each company’s reputation using the Better Business Bureau ratings and customer reviews on third-party review sites. We read through plan change policies, workmanship protections, and sample contract availability.
- Brand reputation
- Policy change flexibility
- Sample contract availability
- Workmanship guarantee length
- Availability and Service (14%): We award higher scores for faster claim processing and response times. We also considered service technician policies, including options to choose your technician.
- Claims process
- Guaranteed response time
- Service flexibility
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