We chose American Home Shield as the best home warranty company in Vermont due to its comprehensive coverage and extended protection for items with existing damage. Choice Home Warranty also stands out for its affordable, mid-level coverage, priced under $70 per month. Our team reviewed 13 leading home warranty companies nationwide to find the best options for homeowners in the Green Mountain State.
A home warranty offers financial protection by covering unexpected breakdowns of essential systems and appliances. These plans can help Vermont homeowners manage costly repairs, especially for owners of older homes facing wear and tear from harsh winters. Keep reading to find the right provider for your home protection needs.
Key Takeaways
- Our team picked American Home Shield as Vermont’s top home warranty provider.
- The average price of a Vermont home warranty ranges between $554 and $898 per year, or $47 and $77 per month.
- According to our 2025 survey of 2,000 home warranty users, 31% of respondents in the state chose a home warranty to protect their heating or furnace systems.
Vermont’s Top 5 Home Warranty Companies
The highest-rated Vermont 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
Comparing Home Warranty Companies in Vermont
The table below compares our top Vermont home warranty providers based on key categories we considered during our review. This includes cost, Better Business Bureau (BBB) ratings, and service call fees, which homeowners owe for each home warranty repair visit.
| 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 calculated the pricing information in this table using average costs from sample quotes for single-family homes both over and under 5,000 square feet. Your actual price may vary based on your home’s location, size, type, and selected plan.
BBB ratings are accurate as of March 2025.
Reviews of the Best Home Warranty Companies in Vermont
We’ll explore the top home warranty companies in Vermont in detail below.
American Home Shield
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
AHS coverage plans provide extensive coverage; 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
Pros
- Offers a flexible service call fee model that allows customers to adjust rates based on their budget
- Provides coverage for unknown preexisting conditions and items damaged by rust and corrosion
- Sets generous coverage caps of up to $5,000 on systems and $4,000 on appliances
Cons
- Doesn’t offer an appliance-only coverage plan
- Offers less coverage flexibility than some providers with only a few add-on options
Plans and Pricing
American Home Shield offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. We looked through American Home Shield’s sample contract and called a 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 increases its appliance limit to $4,000; plus, it 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 on any completed repairs covered by the plan.
While pulling our quote, we discovered that AHS 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 ($45 per month): Covers home systems, such as heating, cooling, and electrical
- ShieldGold ($65 per month): Covers major systems and appliances, such as air conditioning, roof leaks, and plumbing
- ShieldPlatinum ($95 per month): Covers systems and appliances and adds additional benefits, such as $1,500 for roof-leak repairs
- Optional add-ons ($ per month): Offers electronics, pools and spas, guest units, rook leaks, septic pumps, and well pumps
What To Expect
Our American Home Shield tester filed a claim for a bathroom and kitchen floor leak using his smartphone. He received confirmation within five minutes and a call from a local contractor with flexible appointment times. The contractor arrived early the next day, completed the repair in two hours, and provided professional service. Our tester was satisfied with the experience and only paid the service call fee.
Choice Home Warranty
Choice Home Warranty stands out for its affordable comprehensive plans covering both systems and appliances. While other providers charge $90 or more per month for similar coverage, Choice keeps its pricing below $70, making it a budget-friendly option for Vermont homeowners.
Why We Chose Choice Home Warranty
Choice Home Warranty offers low-cost comprehensive plans that cover key items like plumbing, electrical systems, dishwashers, and ovens. The company provides a standard $3,000 limit for covered items, surpassing the industry average of $2,000–$2,500. These higher coverage limits protect against unexpected breakdowns and reduce out-of-pocket costs.
Pros and Cons
Pros
- Includes a 90-day guarantee for parts and 60 days for labor
- Offers comprehensive protection for under $70 per month
- Provides $3,000 coverage limits for most key items
Cons
- Excludes some appliances and systems from its lowest plan
- Has an ongoing legal case with the Arizona Attorney General
Plans and Pricing
Choice Home Warranty offers two plan options: the Basic Plan and the Total Plan. Most providers offer three or more options for greater variety. However, both of Choice’s plans include a mix of systems and appliances. After reviewing the Choice Home Warranty sample contract, we found that the Basic Plan excludes key items like air conditioning, refrigerators, and clothes washers and dryers, which other providers typically include in standard coverage. You must upgrade to the higher-priced Total Plan to receive coverage for these items.
The company charges a standard $100 service call fee for repairs, unlike other providers that offer multiple service fee options for better pricing flexibility. Repairs include a 90-day parts guarantee and a 60-day labor guarantee, protecting your repairs and guaranteeing the quality of the service.
Here’s an overview of Choice Home Warranty’s plans and pricing:
- Basic Plan ($59 per month): Covers 14 home appliances and systems including heating, plumbing, and water heaters
- Total Plan ($67 per month): Covers 18 items including air conditioning, laundry appliances, and refrigerators
- Optional add-ons ($ per month): Up to 10 options, including second refrigerators, stand-alone freezers, additional spas, central vacuum, pools, and well pumps
What To Expect
Our Choice Home Warranty tester filed several claims, including one for her oven, which took about five minutes to reach an agent. She then submitted the issue through the company’s online portal under the choice of “burner stove,” despite the smoke from the oven, and received email confirmation within 24 hours. While the company assigned contractors to handle various claims, service quality and timing varied, with some issues resolved quickly and others needing multiple visits. Appointment times ranged from one day to one month, highlighting inconsistency in the resolution process.
We recommend Elite Home Warranty for homeowners who want flexible premiums and coverage. The company offers three base plans with a standard $70 service call fee—a lower rate than many providers we’ve reviewed—and 30 add-on options.
Why We Choose Elite Home Warranty
Elite Home Warranty offers a fully customizable plan, along with three standard options and an add-on catalog featuring over 30 choices. This flexibility allows you to select only the appliances and systems you need covered, helping you avoid unnecessary expenses.
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
Elite Home Warranty offers three plans: Elite Appliances, Elite Systems, and Elite Complete. 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.
Elite charges a standard service call fee of $70. It charges $150 for high-end appliance repairs and service calls after hours or on weekends. The company also charges this higher fee for specific add-on options, including pools and spas, sump pumps, well pumps, and septic systems.
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, including 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
Our Experience with Elite Home Warranty
Our Elite Home Warranty tester submitted a claim online for a 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 the repair required out-of-stock parts. After an initial visit on Tuesday evening, the technician returned the following Monday morning with the necessary parts. The technician completed the repair within an hour.
If you prefer more freedom when selecting your repair technician, AFC Home Warranty is potentially the right provider for you. It’s one of the few companies that lets you choose your own technician from the start of the repair process, giving you control over the quality and convenience of the service.
Why We Choose AFC Home Warranty
AFC Home Warranty offers flexible coverage with four plans and two service call fee options for better customization. The company also provides a plan-length workmanship guarantee, the longest guarantee in this review.
Pros and Cons
Pros
- Backs repairs with a plan-length workmanship guarantee
- Lets you choose your own technician for repairs
- Offers four plans and two service call fees for better coverage customization
Cons
- Includes a depreciation policy that reduces payouts for items five years and older
- Offers lower coverage caps for certain items, including plumbing systems
Plans and Cost
AFC Home Warranty offers four plan options: the Silver Plan, Gold Plan, Platinum Plan, and Diamond Plan. While the Silver Plan covers appliances only, the other three plans provide a mix of comprehensive protection. After reviewing AFC Home Warranty’s sample contracts, we found the company applies a depreciation policy for older items. For items five years or older, the payout is based on their depreciated value, resulting in a lower reimbursement.
You can select either a $75 or $125 service call fee, with the higher fee lowering your monthly costs, and the lower fee increasing overall pricing. The company offers monthly and annual billing options, with contract lengths ranging from 1–3 years.
We’ll explain AFC Home Warranty’s plans and pricing below:
- Silver Plan (call for a quote): Covers nine appliances, including clothes washers, stoves, and dishwashers
- Gold Plan ($44 per month): Covers nine appliances and six systems, including air conditioning, heating, and plumbing
- Platinum Plan ($51 per month): Covers 10 appliances and nine home systems, such as built-in microwaves, faucets and fans
- Diamond Plan ($82 per month): Includes Platinum Plan coverage, plus coverage for electronics, exterior water lines, and exterior sewer 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, and found the online process quick and easy, taking about five minutes overall. Although the first contractor’s repair didn’t solve the problem, a second contractor quickly resolved the issue. The process took about one and a half weeks, but our tester was satisfied with the outcome and didn’t incur any out-of-pocket costs for the second visit.
Liberty Home Guard
Liberty Home Guard (LHG) has the most extensive add-on catalog, offers 42 options, including unique services like gutter cleaning and pest control. It also provides add-ons for pools, guest houses, and professional kitchen appliances, making it a good fit for Vermont homeowners with specific coverage needs.
Why We Chose Liberty Home Guard
Liberty Home Guard offers three plans tailored to appliance-only, system-only, or comprehensive coverage, along with an extensive add-on catalog. The company enhances customer convenience by providing a mobile app and live chat support.
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, 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, 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, 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 appliances, such as dishwashers, clothes washers, and dryers
- Systems Guard ($62 per month): Covers built-in systems, such as air conditioning, heating, ductwork, and water heater
- Total Home Guard ($68 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 generator coverage
What To Expect
Homeowners can pull quotes for Liberty Home Guard through its customer support line or with its online tool. The LHG tool requires your name, phone number, and email address to begin the process. Next, you’ll enter your home address, home type, and whether it’s smaller than 5,000 square feet. You can then switch between monthly and annual premiums to find the best fit for your budget.
LHG will send one of its in-network service technicians to repair your appliances. The company will let you select your own if no technicians are in your area.
Vermont Home Warranty Costs
Vermont home warranties cost between $47 and $77 per month, or $554 and $898 per year. This is slightly cheaper than average cost of a home warranty of $47–$82 per month or $564–$984 per year.
Several factors will influence your final price, including your chosen coverage level, provider, and optional add-ons. Homeowners typically pay service fees of $75–$125 per claim, though some providers offer flexible fee options that adjust monthly premiums accordingly.
Adding optional coverage for roof leaks, well pumps, septic systems, or secondary appliances increases costs. To find the best value, we recommend homeowners compare plans based on overall coverage and total expenses.
Is a Home Warranty Worth It in Vermont?
Yes, home warranties are worth it if you want financial protection against unexpected repair or replacement costs for home systems and appliances. Plans help cover breakdowns due to normal wear and tear, reducing out-of-pocket expenses and offering peace of mind. However, their value depends on your home’s age, the reliability of your appliances, and the terms of the warranty plan.
American Home Shield is a good choice if you’re looking for comprehensive policies for built-in systems. If you prefer low-cost comprehensive plan options, consider Choice Home Warranty. On the other hand, Elite Home Warranty is our recommended provider if you need flexible coverage.
FAQs About Home Warranties in Vermont
Will a home warranty company replace my HVAC system?
Many home warranty providers will repair—or even replace—your HVAC system if it breaks from normal wear and tear. To learn about HVAC protection under a home warranty plan, read the company’s sample contract and check the systems coverage term and conditions.
How does a Vermont home warranty work?
If an item covered under your home warranty breaks down, you can submit a claim with your provider for a repair. 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 initial service call. Once the repair is complete, and assuming the item is covered by your plan, you should only owe the contractor a set service fee.
What is the best home warranty company in Vermont?
American Home Shield, Choice Home Warranty, and Elite Home Warranty are among the best home warranty providers in Vermont based on our review. Before buying a home warranty, we recommend getting quotes from at least three companies to find a plan that best fits your budget and coverage needs.
Other Resources for Vermont Residents
Our Rating Methodology
We used a detailed rating methodology to objectively evaluate each home warranty company. Our research involved having conversations with company reps, requesting quotes, reviewing sample contracts, and conducting homeowner surveys and focus groups. We also conducted secret shopping and purchased home warranty plans from 11 top providers to test the claims process firsthand.
We evaluated each provider based on six important comparison factors that we believe are essential for homeowners. We assigned point values to each factor and then totaled the points to create a score out of 100. This score was subsequently converted into a 5-star rating.
Here’s a breakdown of our weighted factors:
- Flexibility: We awarded more points to providers that offer a wide range of plans and add-ons. Companies with customer-friendly policies and flexible terms also ranked higher.
- Coverage: We rated providers based on the comprehensiveness of their coverage, especially for unique items. Companies offering extensive coverage and higher annual limits scored the highest.
- Cost: Pricing and service fees were key factors in our ratings. Providers with competitive pricing, without additional surcharges, earned the highest scores.
- Trustworthiness: We reviewed customer ratings, BBB reviews, and company responses to complaints. Providers with strong reputations and longer workmanship guarantees received higher scores.
- Plan transparency: We considered how clearly companies present contract terms and policies. Transparent providers that disclose key details scored better.
- Customer support: We evaluated the availability and responsiveness of customer support. Companies that provide quick responses and multiple claims filing options earned higher ratings.
- Flexibility: We awarded more points to providers that offer a wide range of plans and add-ons. Companies with customer-friendly policies and flexible terms ranked higher.
