A Vermont home warranty can give you peace of mind by simplifying the process of repairing or replacing broken appliances or systems in your home. When an item needs attention, your home warranty provider will send a trusted service technician to your home to assess the broken item.
The This Old House Reviews Team reviewed the best home warranty companies in the nation. We compared providers’ plans, pricing, policy features, and customer reviews before choosing our top picks in Vermont.
Vermont’s Top 3 Home Warranty Companies
The highest-rated Vermont home warranty companies include the following:
- American Home Shield: Best Coverage Caps
- Liberty Home Guard: Best Customer Ratings
- Select Home Warranty: Best Value
Summary of the Best Home Warranty Companies in Vermont
Best For | Monthly Cost | Service Fee | Response Time | BBB Rating | Link | ||
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American Home Shield | ![]() | Best for Comprehensive Coverage | $64–$74 | $100–$125 | Up to 48 hours | B | VISIT SITE |
Liberty Home Guard | ![]() | Best Customer Ratings | $49–$60 | $65–$125 | Up to 48 hours | A | VISIT SITE |
Select Home Warranty | ![]() | Best Value | $44–$48 | $60–$75 | 48-84 hours | B- | VISIT SITE |
AFC Home Club | ![]() | Best for Customization | $48–$55 | $75–$125 | 24-48 hours | B | VISIT SITE |
American Home Shield | |
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Best For | Best for Comprehensive Coverage |
Monthly Cost | $64–$74 |
Service Fee | $100–$125 |
Response Time | Up to 48 hours |
BBB Rating | B |
Liberty Home Guard | |
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Best For | Best Customer Ratings |
Monthly Cost | $49–$60 |
Service Fee | $65–$125 |
Response Time | Up to 48 hours |
BBB Rating | A |
Select Home Warranty | |
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Best For | Best Value |
Monthly Cost | $44–$48 |
Service Fee | $60–$75 |
Response Time | 48-84 hours |
BBB Rating | B- |
AFC Home Club | |
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Best For | Best for Customization |
Monthly Cost | $48–$55 |
Service Fee | $75–$125 |
Response Time | 24-48 hours |
BBB Rating | B |
- Response Time: 48 hours
- State Availability: 48 states (excluding Alaska and Hawaii)
- Service Call Fee: $100 and $125
American Home Shield (AHS) offers comprehensive major systems and appliance coverage alongside service call fee flexibility. Additionally, AHS covers unique instances other providers typically don’t, such as rust, corrosion, or sediment damage.
Why We Chose American Home Shield
We rated AHS 4.4 out of 5 stars in our review standards. We consider AHS to be the best provider for comprehensive coverage due to its three coverage plans, multiple service call fees, and solid industry reputation. The company is our top pick because it covers several things other companies don’t, such as rust damage and improper installations.
We thoroughly read American Home Shield’s sample contract and found it applies a $2,000 limit per covered appliance in its ShieldGold plan. It doubles its coverage cap to $4,000 per covered item in the ShieldPlatinum plan.
AHS plans provide extensive coverage, and even its basic plan, ShieldSilver, covers your HVAC system. Its multiple service call fees allow you to customize your monthly premium to fit your budget.
Pros and Cons
Plans and Pricing
American Home Shield offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. We called an AHS representative to ask about the company’s 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 adds roof-leak coverage, up to $1,000 in code upgrades, an HVAC tune-up, and air filter discounts.
AHS allows you to pull a quote by calling a representative or using its online tool. When we used AHS’s quote tool, it allowed us to choose a service call fee of $100 or $125. AHS states that a higher service call fee will result in a lower monthly premium and vice versa. All AHS plans come with a 30-day workmanship guarantee.
While pulling our quote, we discovered that AHS only offers monthly premium options. It doesn’t include an annual premium like other providers on this list.
Here are details on each of American Home Shield’s plans:
- ShieldSilver ($29.99–$39.99 per month): Covers home systems, such as heating, cooling, and electrical
- ShieldGold ($49.99–$59.99 per month): Covers major systems and appliances, such as air conditioning, roof leaks, and plumbing
- ShieldPlatinum ($79.99–$89.99 per month): Covers systems and appliances and adds additional benefits such as $1,500 for roof-leak repairs
- Optional add-ons: Electronics, pools/spas, guest units, septic pumps, and well pumps. AHS offers competitively priced add-ons, such as septic pump coverage, for $5 per month.
You can review the American Home Shield’s sample contract for exact coverage details.
What To Expect
We found it easy to pull a quote from American Home Shield’s quote tool. You must enter your ZIP code, home address, and email. Then it generates your personalized quote. It allows you to choose your service call fee option, which adjusts your premium based on the higher or lower service call fee.
AHS stands out from other providers for its coverage of rust, corrosion, and sediment damage. It also covers improperly installed or maintained items, plus items with preexisting conditions. Most providers exclude items with these conditions from coverage.
Like most providers in this article, AHS requires you to use an in-network service provider when requesting service. One of our team members owns an AHS plan and tested its claims process. When he filed a claim for a leaking bathroom pipe, AHS found a local plumbing technician within an hour. He scheduled an appointment for the next day, and the plumber fixed his issue on that visit. He only paid his service call fee for the repair.
AHS holds solid customer reviews, despite mixed feelings about its customer service. Based on the dozens of Better Business Bureau (BBB) customer reviews we read, some reviewers experienced lower-than-expected claims reimbursement. Others had their claims processed quickly and satisfactorily.
- Response Time: 48 hours
- State Availability: 50 states
- Service Call Fee: $65–$125
Liberty Home Guard (LHG) offers three coverage plans, a 60-day workmanship guarantee, and more than 30 add-ons. LHG also provides accessible customer service via its live-chat feature on its website.
Why We Chose Liberty Home Guard
Liberty Home Guard earned 4.5 out of 5 stars in our rating system. It has the best customer ratings of any home warranty provider on this list, holding an A rating* with the BBB and 4.7 out of 5 stars on Google Reviews. We recommend LHG for homeowners with specific coverage needs, as it offers an extensive list of add-ons ranging from pool coverage to water softeners.
Our team spoke with multiple customer representatives to learn how well LHG handles customer inquiries. Based on our experiences, we believe it holds up to its stellar ratings, with each representative picking up the phone quickly and answering all our questions thoroughly.
Pros and Cons
Plans and Pricing
Liberty Home Guard offers three service plan options: Appliance Guard, Systems Guard, and Total Home Guard. Unlike providers with flexible service call fees, LHG 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 to $125. All LHG’s covered items are subject to a $2,000 coverage cap and a 60-day workmanship guarantee.
Below are the monthly prices for LHG plans. Expect to pay between $600 and $720 annually. Per our research, LHG offers two additional months of coverage if you sign up for an annual plan. LHG allows you to pull a quote over the phone or online.
Here are details on LHG’s plans and optional add-on coverage:
- Appliance Guard ($49.99 per month): Covers appliances, such as dishwashers, clothes washers, and dryers
- Systems Guard ($54.99 per month): Covers built-in systems, such as air conditioning, heating, ductwork, and water heater
- Total Home Guard ($59.99 per month): Covers all the items in the Appliance Guard and Systems Guard plans
- Optional add-ons: Up to 38 options, including pest control, re-key service, gutter cleaning, floor cleaning, and generator coverage. When we pulled our quote, we were informed that pest control coverage costs an extra $15 monthly.
Liberty Home Guard’s service contract provides additional coverage information for each plan.
What To Expect
Pulling a quote from Liberty Home Guard is straightforward. First, you fill out basic personal information such as your name, phone number, and email. Then, you input your home’s address, type, and whether it is larger or smaller than 5,000 square feet. LHG will then display your home’s customized monthly premium.
Liberty Home Guard offers solid coverage for the price. Its $2,000 coverage cap applies to all covered items except electrical and plumbing systems. In addition, it offers the most add-on coverage options compared to other providers. This makes LHG a great choice if you have unique items that need coverage.
Note that LHG doesn’t allow you to choose your service provider since it works with its network of technicians. However, if LHG can’t source a technician from its network near you, it allows you to source your own.
In reading customer reviews, we found that consumers’ experiences aligned with ours when contacting LHG’s customer service. Many reviewers noted the helpfulness of representatives and how quickly they resolved issues. We experienced this responsiveness each time we called or used its live-chat feature.
- Response Time: 48 hours
- State Availability: 47 states (excluding Nevada, Wisconsin, and Washington)
- Service Call Fee: $60–$75
Select Home Warranty provides affordable coverage plans for those who need basic coverage. It offers appliance-only, systems-only, and combination plans. In addition, Select offers a service call fee under $80 per claim.
Why We Chose Select Home Warranty
Select Home Warranty scored 4.3 out of 5 stars in our review standards. It’s an affordable home warranty with all plans costing less than $50 per month. Select stands out by offering roof-leak repair coverage in each protection plan. Home warranty companies don’t typically offer roof-leak coverage without an additional fee.
Pros and Cons
Plans and Pricing
Select Home Warranty offers three plan options: Bronze Care, Gold Care, and Platinum Care. Select charges a $60–$75 service call fee per claim. Our team discovered via secret shopping that Select offers its lower service call fee as an over-the-phone deal only. After reviewing Select’s sample contract, we found it covers HVAC systems up to $3,000. However, Select limits other covered systems, such as plumbing and electrical, plus appliances, to a $500 coverage cap. Select’s plans include a 30-day workmanship guarantee.
Select Home Warranty offers monthly and annual premium options. Expect to pay between $533 and $573 annually. According to the quote we pulled, Select offers up to $150 off and two additional months of coverage if you choose an annual premium. It lets you pull a quote by calling or using its online tool.
Here are more details about Select Home Warranty’s plans:
- Bronze Care ($44.42 per month): Covers appliances, such as clothes washers and dryers, garbage disposals, refrigerators, and cooktops
- Gold Care ($44.42 per month): Covers systems, such as air conditioning, heating, plumbing, electrical systems, water heaters, and ductwork
- Platinum Care ($47.75 per month): Covers all the appliances and built-in systems in the Bronze and Gold Care plans, plus garage door openers and ceiling fans
- Optional add-ons: Central vacuums, lawn sprinkler systems, pools, septic systems, spas, stand-alone freezers, sump pumps, and well pumps. Select Home Warranty also offers low prices for its add-ons. For example, it charges less than $4 monthly for central vacuum coverage.
Check out Select Home Warranty’s sample contract, which outlines the terms and conditions of each coverage plan.
What To Expect
Select’s quote tool works similarly to other providers in this article. It first asks for your ZIP code. Then, it asks for your name, phone number, and email. It doesn’t, however, ask for your property’s address. This helps streamline the quote process.
Select is worth considering for homeowners who need basic home protection. Its coverage caps for essential systems and appliances are much lower than other providers, making it difficult to recommend from a coverage standpoint. However, it offers some of the most affordable fees, and it lets you choose your service provider as long you obtain Select’s approval first.
We also discovered that Select prefers to communicate strictly over the phone for claims and plan issues. Several customers on third-party consumer review sites, such as the BBB and Trustpilot, note that Select’s customer service department is difficult to get ahold of. Therefore, we recommend carefully considering your needs and budget before signing up for Select Home Warranty.
Are Home Warranties Worth It?
Dealing with a broken system or appliance can be frustrating and a home warranty helps ease the frustration by covering the cost of repairing and replacing systems and appliances that break down due to normal wear and tear.
How Does a Vermont Home Warranty Work?
If an item covered under your home warranty breaks down, submit a claim with your provider. Once your claim is approved, your provider will send a contractor to your home to assess the appliance or system in question. Typically, a contractor is dispatched within 48 hours of the service call. Once the repair is complete, you owe the contractor a set service fee.
Our Conclusion
Liberty Home Guard, American Home Shield, and Select Home Warranty are among the best home warranty providers in Vermont. For a long list of add-on options and responsive customer service, turn to Liberty Home Guard. If you’re looking for comprehensive policies for built-in systems, American Home Shield may be the best fit. If you need affordable home protection, Select Home Warranty is our recommended provider.
Before buying a home warranty, we recommend getting quotes from all companies listed to find a plan that best fits your budget and home protection needs.
Frequently Asked Questions
Yes, many home warranty providers will repair, or even replace, your HVAC system. To learn about HVAC coverage under a plan you’re interested in, read the term and conditions under the sample contract.
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.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
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 out of 100.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.