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 fiveRhode 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:

 


 

Liberty Home Guard

Liberty Home Guard (LHG) is our top pick for Rhode Island homeowners because of its stellar customer ratings and solid coverage options. The company holds over 4.5 out of 5-star ratings on sites such as the Better Business Bureau (BBB). Our team called Liberty Home Guard and noted how quickly LHG representatives answered the phone. Each time we called, a representative picked up within a few rings.

Pros and Cons

✔ Extends a 60-day workmanship guarantee
✔ Provides over 30 unique additional coverage options
✔ Covers second HVAC and cooling system units within standard plans

✘ Offers low coverage caps for electrical and plumbing systems
✘ Doesn’t lower monthly premium with a higher service call fee

Plans and Pricing

Liberty Home Guard offers three coverage plans: Appliance Guard, Systems Guard, and Total Home Guard. The Appliance and Systems Guard plans cover major appliances and systems, respectively. The Total Home Guard plan bundles both plans together into one comprehensive package. LHG includes a $2,000 coverage cap per covered appliance and system, except for plumbing and electrical systems. LHG caps those systems at $500 per claim.

Here is a sample of Liberty Home Guard’s add-ons you can purchase to supplement your coverage:

Central vacuum, electronics protection, instant hot water dispensers, limited roof-leak, sump pumps, trash compactors, and well pumps.

Liberty Home Guard plans cost between $49 and $60 per month. LHG pairs your plan with a service call fee that ranges from $65 to $125 per claim. According to a representative, LHG chooses your service call fee based on your home’s size and type and your location and plan selections.

Fill out the Liberty Home Guard quote form or call 866-452-9107 for your personalized quote.

Learn more: Liberty Home Guard Review

 


 

American Home Shield

American Home Shield (AHS) is another top pick for Rhode Island homeowners because it offers three coverage plans, a flexible service call fee model, and comprehensive home protection. We like American Home Shield’s generous coverage caps and the option to choose your own service fee.

Pros and Cons

Offers coverage for rust, corrosion, and sediment damage
Provides discounts on name-brand appliances
✔ Covers items with undetectable preexisting conditions

✘ Doesn’t offer a plan that covers appliances only
Charges high monthly premiums compared to other providers

Plans and Pricing

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.

We read American Home Shield’s sample contract and found it covers appliances and systems up to $3,000 per claim in its ShieldSilver and ShieldGold plans. The ShieldPlatinum plan doubles its coverage caps to $6,000.

In addition to these plans, American Home Shield offers optional add-on coverage for the following items: Guest units under 750 square feet, electronic extended warranty, pool and spas, well pumps, septic pumps.

American Home Shield plans range between $59–$120 per month. You can choose a service fee of $100 or $125 when signing up for a plan, making it a flexible option for homeowners. The lower the service fee you choose, the higher the monthly premium.

Fill out American Home Shield’s quote form or call 844-529-9298 for your free quote.

Learn more: American Home Shield Review

 


 

America’s First Choice Home Club

America’s First Choice Home Club (AFC Home Club) provides customizable coverage via its four coverage plans and three service call fees. The company offers unique membership perks such as free credit monitoring. Our team used its online quote tool and found it easy to use. However, other providers’ quote tools generated prices more quickly than AFC’s. In addition, AFC’s quote tool requires several pieces of personal information, such as your name, phone number, and email. 

✔ Provides a plan-length workmanship guarantee that lasts the life of your plan
✔ Includes access to perks such as identity theft protection
✔ Offers up to $3,000 per covered appliance

✘ Limits most major systems to a coverage limit subject to the item’s depreciated value
✘ Includes plumbing stoppage coverage only in the Platinum Plan

Plans and Pricing

AFC Home Club provides four home warranty coverage plans, each with specific coverage. The Silver and Systems plans cover home appliances and systems, respectively. The Gold Plan covers both home systems and appliances. The Platinum Plan adds plumbing stoppages, built-in microwaves, and faucet coverage to the Gold Plan. AFC Home Club includes a $3,000 coverage cap per covered appliance. However, it offers variable coverage caps for its systems.

Here is a sample of AFC Home Club’s available add-ons:

Double ovens, ice makers, in-ground pool, septic system, stand-alone freezers, and tankless water heaters.

Expect to pay between $29 and $55 per month for an AFC Home Club plan. In addition, the company offers a $75, $100, and $125 service call fee that can raise or lower your monthly premium. 

Fill out America’s First Choice Home Club quote form or call 877-755-1115 for your personalized quote.

 


 

Select Home Warranty

Select Home Warranty is another solid choice for Rhode Island residents. It offers low service call fees and monthly premiums and includes roof-leak coverage in each protection plan. Additionally, Select allows you to choose your own service provider. Our team spoke with a representative to confirm this. The representative said you must first get approval from Select.

Pros and Cons

✔ Provides a discount if you enroll in a multi-year plan
✔ Offers free roof leak coverage
✔ Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos

Includes low coverage caps for major appliances, most home systems, and add-ons
✘ Charges a $75 cancellation fee

Plans and Pricing

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 to any plan to customize your coverage: Lawn sprinkler systems, switches and outlets, lighting fixtures, refrigerator ice makers, 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 $44 and $48 per month. The provider also charges a service call fee of $75 per claim.

Fill out the Select Home Warranty quote form or call 888-370-3956 for your free quote.

Learn more: Select Home Warranty Review

 


 

Cinch Home Services

Cinch Home Services is our recommendation for homeowners who want extensive home protection. Cinch offers three coverage plans and three service call fees; the fees are higher than other providers’ options. However, Cinch includes a $25 air conditioning and refrigerator filter credit in each plan. It reimburses your homeowners insurance deductible in its Complete Home Plan.

Pros and Cons

✔ Provides a generous $10,000 annual coverage cap per covered appliance and system
✔ Offers up to $500 in reimbursement for your homeowners insurance deductible
✔ Covers rust and corrosion damage

✘ Offers a limited selection of add-on coverage options
✘ Prices plans higher than other providers

Plans and Pricing

Cinch offers the Appliances plan, Built-in Systems plan, and Complete Home plan. The Appliances plan covers major appliances such as cooktops. The Built-in Systems plan covers major systems. The Complete Home plan covers appliances and systems. It also adds a $500 homeowners insurance deductible reimbursement. 

Cinch offers the following add-on coverage options:

Pool and spas, the Premier Upgrade Package, stand-alone spas, septic tank pumping, and well pumps.

Expect to pay between $72 and $106 monthly for a Cinch Home Services plan. The company provides flexible service call fees. The fees are $100, $125, and $150 per claim. The higher your service call fee, the lower your monthly premium.

Fill out the Cinch Home Services quote form or call 844-979-0899 for your free quote.

Learn more: Cinch Home Services Review

 


 

Our Conclusion

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.

 


 

Frequently Asked Questions

 


 

Our Rating Methodology

The This Old House Reviews Team backs up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score on a 5-point rating scale.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.