We picked American Home Shield as the best home warranty company in Rhode Island due to its extensive coverage, which includes protection for items with existing damage. Choice Home Warranty is another top choice, offering systems and appliance protection for less than $70 per month. We compared plans, pricing, and customer reviews for 13 companies to find the best home warranty options in the Ocean State.
A home warranty helps Rhode Island residents by covering repairs if systems and appliances get worn down by every day use—which the state’s cold winters and humid summers can impact over time. Discover our complete list of top Rhode Island providers and find the best coverage for your home.
Key Takeaways
- We chose American Home Shield as the best home warranty provider for Rhode Island homeowners.
- The average cost of a Rhode Island home warranty ranges from $76–$98 per month, or $905–$1,152 annually.
- Our 2025 survey of 2,000 nationwide home warranty users revealed that 31% of respondents prioritized heating or furnace system coverage when choosing a plan.
Rhode Island’s Top 5 Home Warranty Companies
The highest-rated Rhode Island home warranty companies include the following:
- American Home Shield: Best Comprehensive Coverage
- Choice Home Warranty: Best Basic Plan Coverage
- Elite Home Warranty: Best for Customized Coverage
- AFC Home Warranty: Best Technician Flexibility
- Liberty Home Guard: Best Customer Support
Summary of the Best Home Warranty Companies in Rhode Island
We compared the top Rhode Island providers below based on key features, including monthly cost and Better Business Bureau (BBB) ratings.
| Company | Star Rating | BBB Rating | Monthly Cost | Service Fee |
|---|---|---|---|---|
B | $36–$100 | $100–$125 | ||
B | $60–$68 | $100 | ||
B | $45–$60 | $70 ($150 for after hours and weekends) | ||
B | $44–$82 | $75–$125 | ||
A+ | $57–$68 | $65–$125 |
Note: We based the pricing information in this table on average costs obtained from sample quotes for single-family homes under 5,000 square feet for all 50 U.S. states. Your pricing may vary depending on your home’s location, size, type, and plan selections.
BBB ratings are accurate as of March 2025.
Reviews of the Best Home Warranties in Rhode Island
Below are detailed reviews for the best home warranty providers in Rhode Island.
American Home Shield
We recommend American Home Shield (AHS) for homeowners who need comprehensive coverage for older homes. The company offers protection for preexisting conditions, which refers to issues or problems with a home’s systems or appliances that existed before purchasing a home warranty.
Why We Chose American Home Shield
We consider American Home Shield the best provider for comprehensive coverage due to its three coverage plans, multiple service call fees, and solid industry reputation. The company covers several issues other companies don’t, such as rust damage and improper installations.
Pros and Cons
Pros
- Offers a flexible service call fee model that allows customers to adjust monthly fees for their budget
- Provides coverage for unknown preexisting conditions and items damaged by rust and corrosion
- Sets generous coverage caps for systems and appliances
Cons
- Doesn’t offer an appliance-only coverage plan
- Offers less coverage flexibility than most providers with only a few add-on options
Plans and Pricing
American Home Shield offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. We looked through an American Home Shield sample contract and called a company representative to ask about its plans. The representative noted that AHS imposes a $5,000 coverage cap per covered system in its systems-only plan, ShieldSilver. ShieldGold adds coverage for appliances, which have a $2,000 coverage limit. ShieldPlatinum also combines system and appliance coverage and increases its appliance limit to $4,000. Plus, this plan adds roof-leak coverage, up to $1,000 in code upgrades, an HVAC tune-up, and air filter discounts.
American Home Shield allows you to pull a quote by calling a representative or using its online tool. When we used its quote tool, it allowed us to choose a service call fee of $100 or $125. American Home Shield states that a higher service call fee will result in a lower monthly premium and vice versa. All plans come with a 30-day workmanship guarantee on any completed repairs covered by the plan.
While pulling our quote, we discovered that American Home Shield only offers monthly premium options. It doesn’t include an annual premium discount like other providers on this list.
Here are details on each of American Home Shield’s plans:
- ShieldSilver ($92 per month): Covers 14 systems, including HVAC, ceiling fans, and plumbing
- ShieldGold ($112 per month): Covers 14 systems and nine home appliances, including ductwork, cooktops, and refrigerators
- ShieldPlatinum ($142 per month): Includes the ShieldGold coverage and adds roof-leak coverage, HVAC tuneups, and other perks
- Optional add-ons: Up to six options, including electronics, pools and spas, guest units, roof leaks, septic pumps, and well pumps
Our Experience with American Home Shield
Our American Home Shield tester filed a claim for a bathroom and kitchen floor leak, finding the process simple and fast. He easily submitted the claim through his smartphone and received confirmation within five minutes, along with a call from a local contractor offering flexible appointment times. The contractor arrived the next day, completed the repair in two hours, and offered helpful advice on mold prevention. The tester was satisfied with the service and only paid the service call fee.
Choice Home Warranty
We recommend Choice Home Warranty for Rhode Island homeowners who need basic coverage for systems and appliances at an affordable price.
Why We Chose Choice Home Warranty
Choice Home Warranty offers basic appliance and system coverage plans for under $70 per month, making it more affordable than competitors, including American Home Shield. Plans include $3,000 in standard coverage limits for each item, providing sufficient protection for most home systems and appliances.
Pros and Cons
Pros
- Includes $3,000 coverage limits for most items
- Offers combined appliance and system coverage for less than $70 per month
- Provides a 90-day guarantee on parts and 60 days on labor
Cons
- Doesn’t include coverage for air conditioning and laundry appliances under its lowest plan
- Has an ongoing lawsuit with the Arizona Attorney General
Plans and Pricing
Choice Home Warranty offers two plans: the Basic Plan and the Total Plan. After reviewing a Choice Home Warranty sample contract, we found the Basic Plan excludes key systems and appliances, such as air conditioning, refrigerators, clothes washers, and dryers. Other home warranty providers typically include these items regardless of the plan level. You’ll need to upgrade to the Total Plan to get coverage for these items, which will up your monthly cost.
Plans include a standard $100 service call fee, which is paid each time you schedule a repair. You can choose an annual or monthly plan. However, monthly billing includes a processing fee with your payments.
We outline Choice Home Warranty’s plans below:
- Basic Plan ($59 per month): Covers seven systems and seven appliances, such as built-in microwaves, garage door openers, and plumbing
- The Total Plan ($67 per month): Covers eight systems and 10 appliances, including air conditioning, clothes washers and dryers, and refrigerators
- Optional add-ons: Up to 10 options, including second refrigerators, central vacuums, pools and spas, and roof-leak protection
Our Experience with Choice Home Warranty
Our Choice Home Warranty tester has had mixed experiences with the provider. Repair timelines have been inconsistent, with some claims requiring more than one technician and appointment for completion. She also encountered varied timelines for technician assignments, with some appointments happening the next day while others took up to a month. For example, her air conditioning was repaired in one day, while refrigerator repairs required three appointments with three separate technicians.
We recommend Elite Home Warranty for homeowners who want fully customizable plans and extensive add-on coverage options.
Pros and Cons
Pros
- Includes a 90-day workmanship guarantee for completed repairs
- Offers higher coverage limits for high-end appliances
- Rolls your service call fee into your annual premium, avoiding a per-claim charge
Cons
Charges a higher service call fee for high-end appliance repairs- Excludes workmanship guarantee on repairs done with an out-of-network technician
Plans and Cost
When reading through an Elite Home Warranty sample contract, we learned that the company offers a $15,000 annual limit for all plans. This breaks down to a $7,000 claim limit for appliances and $8,000 for systems, which is a higher limit than many providers. However, claim limits vary among coverage items. For example, air conditioners receive up to $4,000 while electrical systems are capped at $2,000.
The company has a standard service call fee of $70 per repair appointment. It charges $150 for high-end appliance repairs and service calls that occur after hours or on the weekend..
Below are the details of Elite’s coverage plans:
- Elite Appliances ($45 per month): Covers eight essential appliances, including cooktops, clothes washers, and dishwashers
- Elite Systems ($50 per month): Covers eight home systems, such as air conditioning, heating, and electrical systems
- Elite Complete ($60 per month): Combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection
- Optional add-ons: Up to 30 options, including annual maintenance, drainage, sewer, and water service lines, pool equipment, geothermal heating and cooling systems, guest houses, and septic systems
Our Experience with Elite Home Warranty
Our Elite Home Warranty tester filed a claim to repair his broken high-end dishwasher and received a call from a claims specialist within 30 minutes. He was scheduled for a next-day appointment, but the technician discovered that out-of-stock parts were needed. After the initial visit on Tuesday evening, the technician returned the following Monday with the necessary parts. The repair was completed within an hour.
AFC Home Warranty
We recommend AFC Home Warranty for Rhode Island residents that want more control over their plan coverage and technician assignments.
Why We Chose AFC Home Warranty
AFC Home Warranty offers four plans and two service call options, allowing you to customize your coverage and costs to match your needs and budget. You also have the freedom to choose your own technicians for repair calls, which is a valuable benefit if you already have trusted local technicians you would prefer to work with.
Pros and Cons
Pros
- Doesn’t impose coverage caps on heating, cooling, and water heater systems
- Includes a plan-length workmanship guarantee
- Offers four plans and two service call fees for better customization
Cons
- Imposes a depreciation policy on items five years and older
- Offers lower coverage limits for certain systems, including plumbing
Plans and Pricing
AFC Home Warranty offers four plan options: Silver, Gold, Platinum, and Diamond. After reviewing an AFC Home Warranty sample contract, we found all plans include a full-length workmanship guarantee, one of the longest in the industry. This means the company will complete any necessary secondary repairs at no additional charge. Covered items have varying limits, with appliances including $150–$3,000 caps and systems receiving $150–$500 caps, though HVAC and water heaters have their own coverage limits.
You can choose between $75 or $125 service call fees, with the lower fee raising your monthly cost. The company offers one-year and three-year contract options, with both annual and monthly billing available.
Here are details on AFC Home Warranty’s plans:
- Silver Plan (call for a quote): Covers nine appliances, including ovens, garbage disposals, and stoves
- Gold Plan ($44 per month): Covers nine appliances and six home systems, HVAC, electrical, and laundry appliances
- Platinum Plan ($51 per month): Covers 10 appliances and nine home systems, such as built-in microwaves, faucets, and plumbing stoppages
- Diamond Plan ($82 per month): Includes Platinum Plan coverage, plus coverage for electronics and exterior sewer and water lines
- Optional add-ons: Up to eight options, including electronics, in-ground spas, septic systems, sump pumps, and well pumps
Our Experience with AFC Home Warranty
Our AFC Home Warranty tester filed a claim for a running toilet that wouldn’t fill and found the online process quick and easy, taking about five minutes. She was impressed with the company’s customer service, particularly in finding a contractor in her rural area. While the first contractor’s repair didn’t resolve the issue, a second contractor promptly fixed the problem. The issue was resolved in about one-and-a-half weeks, and our tester was satisfied, with no out-of-pocket costs for the second repair visit.
Liberty Home Guard
We recommend Liberty Home Guard (LHG) for homeowners who need coverage for multiple HVAC systems and extensive add-on customizations.
Why We Chose Liberty Home Guard
The company offers up to 42 add-on options, the most extensive catalog in this review. You can add coverage for pools, high-end appliances, water softeners, and home maintenance services like pest control and gutter cleaning. This makes it convenient to centralize both your home maintenance and warranty coverage, streamlining your protection in one comprehensive plan.
Pros and Cons
Pros
- Extends a 60-day workmanship guarantee
- Offers 42 unique optional add-ons, including pest control and gutter cleaning
- Provides two additional months of coverage if you sign up for an annual plan
Cons
Doesn’t allow plan price or service call fee customization- Lacks transparency about service call fees during the quote process
Plans and Pricing
Liberty Home Guard offers three service plan options: Appliance Guard, Systems Guard, and Total Home Guard. We read through Liberty Home Guard’s sample contract to get an understanding of what is covered in their plans along with associated service fees. Unlike providers with flexible service call fees, teh comapny assigns a service call fee to your account based on your plan, add-on selections, and location.
According to the representative we spoke with, service fees range from $65–$125. All covered items are subject to a $2,000 coverage cap, except for electrical and plumbing systems. LHG provides a lower $500 coverage limit for these systems. All covered repairs are subject to a 60-day workmanship guarantee, which is double the industry standard of 30 days.
Here are details on LHG’s plans and optional add-on coverage:
- Appliance Guard ($57 per month): Covers nine appliances, such as dishwashers, clothes washers, and dryers
- Systems Guard ($62 per month): Covers six built-in systems, such as air conditioning, heating, ductwork, and water heater
- Total Home Guard ($67 per month): Covers all the items in the Appliance Guard and Systems Guard plans
- Optional add-ons: Up to 42 options, including pest control, re-key service, gutter cleaning, floor cleaning, and well pumps
Our Experience with Liberty Home Guard
We tested the sign-up process for Liberty Home Guard, which offers homeowners the option to request quotes through its customer support line or online tool. To begin, you’ll need to provide your name, phone number, and email address. Next, you’ll enter your home address, home type, and specify whether it’s under 5,000 square feet. You can then choose between monthly and annual premiums to find the best option for your budget. The company also suggests add-on protections based on the preferences of other homeowners in your area.
How Much Does a Home Warranty Cost in Rhode Island?
The average cost of a home warranty in Rhode Island ranges from $76–$98 per month or $905–$1,152 annually. This is higher than the average national home warranty pricing of $47–$82 per month, or $564 –$984 per year.
Several factors influence home warranty pricing in Rhode Island, including the level of coverage, the provider you choose, and your selected service call fee. Plans that include both systems and appliances tend to cost more than appliance-only or system-only options. Additionally, providers that allow customers to select a lower service fee may charge a higher monthly premium to offset repair costs. Add-ons, such as pool, septic, or well pump coverage, can also increase the total price.
FAQs About Home Warranties 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.
Do home warranties in Rhode Island have a deductible?
Home warranty companies charge a service call fee rather than a traditional 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, at which time you will pay the service fee and receive a diagnosis and repair.
Unlike deductibles, you will owe a service fee each time you request a repair appointment. Your home warranty company will allow you to choose your fee or assign you a rate when you sign up for coverage.
Do I need an inspection to start home warranty coverage in Rhode Island?
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.
Other Resources for Rhode Island Residents
Our Rating Methodology
We applied a detailed rating system to evaluate each home warranty company. This involved speaking with company representatives, obtaining quotes, analyzing sample contracts, and gathering insights from homeowner surveys and focus groups. Additionally, we tested the sign-up and claims process of 11 leading home warranty companies through secret shopping to understand the customer experience.
We scored each provider across six crucial comparison categories based on this data. The total score out of 100 was then converted into a 5-star rating.
Here’s how our scoring system breaks down:
- Coverage: This factor measured the breadth of coverage offered by each provider, including whether plans cover standard and special items. Providers with the most comprehensive coverage and higher annual limits received higher ratings, while points were deducted for having long waiting periods or depreciation policies.
- Cost: We considered average monthly pricing and service call fees. Providers with pricing below or at industry averages without extra fees were rated highest.
- Trustworthiness: To evaluate reliability, we assessed customer reviews on sites such as BBB and Trustpilot. Strong customer feedback, long workmanship guarantees, and no ongoing legal issues contributed to higher scores.
- Plan Transparency: We judged the clarity of terms, policies, and disclosures in company contracts and on websites. Providers with easily accessible and transparent contract details scored higher.
- Customer Support: This category reviewed the responsiveness and accessibility of customer support, such as multiple claims filing options and fast response times. The most efficient support systems received the best ratings.
- Flexibility: We rewarded providers with higher scores for offering multiple plan options, a wide range of add-ons, technician selection, and customer-friendly cancellation policies.
