Best Home Warranty Companies in Wisconsin (2024)
It’s natural for your home systems and appliances to fail as they age. A home warranty provides peace of mind by covering the cost to repair or replace these items when they break down.
We recommend Liberty Home Guard and American Home Shield as our top picks for home warranties in Wisconsin based on customer ratings and comprehensive coverage. Liberty Home Guard is especially notable for its exceptional service and quick response times.
You also have other options, so our team gathered the information you need to find the best home warranty in Wisconsin. In this review, we discuss the ins and outs of the best home warranty companies in the Badger State.
Did You Know?
- In the last 30 days, more than 2,500 people bought home warranties from the above providers. Liberty Home Guard is our most popular provider, with 55% of buyers choosing to cover their homes with an LHG plan.
Wisconsin’s Top 4 Home Warranty Companies
We compared each provider’s plan offerings, additional coverage options, and sample contracts before selecting our top picks. The highest-rated Wisconsin home warranty companies include the following:
Comparing the Best Home Warranty Companies in Wisconsin
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#1 out of 13 companies | #2 out of 13 companies | #3 out of 13 companies | #4 out of 13 companies | |
NR | B | B | B+ | |
Monthly Cost |
$49–$59 | $49–$109 | $34–$92 | $30–$56 |
Service Fees |
$65–$125 | $100–$125 | $75–$125 | $100–$150 |
Customer Support Options |
Email, Phone, Online Chat, Online Portal | Phone, Online Portal | Phone, Online Portal | Email, Phone, Online Portal |
Response Time |
Up to 48 hours | Up to 48 hours | 24-48 hours | 2–24 hours |
Pros |
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Cons |
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Summary |
We recommend Liberty Home Guard for homeowners who need coverage for multiple HVAC systems and extensive add-on customizations. |
We recommend American Home Shield for homeowners who need comprehensive coverage for older homes. |
We recommend AFC Home Warranty for homeowners who want extensive HVAC coverage and protections for new systems. |
We recommend Cinch Home Warranty for homeowners who want coverage for items most providers don’t cover, such as built-in food centers and free-standing ice makers. |
Promotions |
$200 Off + 2 Months Free + Roof Leak Protection | Labor Day Sale: 50% OFF Select Plans | Labor Day Sale: 30% Off All Plans | First 2 months free on all plans |
Rating Categories |
Liberty Home Guard | American Home Shield | AFC Home Warranty | Cinch Home Services |
Coverage |
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Value |
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Trustworthiness |
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Plan Transparency |
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Customer Support |
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Flexibility |
Company | BBB Rating | Monthly Cost in WI | Service Fee | Visit Site |
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NR | $49–$59 | $65–$125 | VISIT SITE | |
B | $69–$129 | $100–$125 | VISIT SITE | |
B | $36–$62 | $75–$125 | VISIT SITE | |
B+ | $65–$99 | $100–$150 | VISIT SITE |
Note: We based the pricing information in this table and throughout the article on sample quotes we obtained for a 2,188-square-foot, single-family home in Madison, Wisconsin. Your pricing may vary depending on your home’s location, size, type, and plan selections.
Reviews of the Best Home Warranty Companies in Wisconsin
How Are Home Warranties Regulated in Wisconsin?
Wisconsin’s Department of Agriculture, Trade and Consumer Protection (DATCP) oversees the regulation of property service contracts. While it doesn’t clearly label home warranties as property service contracts, the DATCP still provides consumer protection via an online complaint form. You can submit a complaint with the DATCP if you believe your home warranty company is neglecting its contractual obligations.
Industry organizations also oversee home warranty regulations. A prominent example is the Service Contract Industry Council (SCIC). This trade association primarily handles regulation development. Another industry association is the National Home Service Contract Association (NHSCA). The NHSCA ensures member companies follow a code of ethics centered on fair business practices.
How Much Does a Home Warranty Cost in Wisconsin?
The average home warranty cost in Wisconsin is $71 monthly, or $588-$1,188 annually, based on our research.
The price of a home warranty depends on several factors. The main ones affecting price are your plan premium and service call fee. Typically, companies charge a higher premium for coverage plans containing more items. Adjustable service call fees also affect coverage plan prices. Based on the hundreds of quotes our team has requested from more than 20 home warranty companies, we’ve found companies pair higher service fees with lower premiums.
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.
Appliance | Average Repair Cost | Average Replacement Cost |
---|---|---|
Dehumidifier |
$50–$200 |
$1,300–$2,800 |
Microwave |
$50–$400 |
$60–$2,000 |
Dishwasher |
$50–$500 |
$400–$3,000 |
Exhaust Fans |
$16–$300 |
$250–$950 |
Electric Range |
$100–$500 |
$230–$3,000 |
Gas Range |
$100–$500 |
$230–$3,000 |
Dryer |
$100–$400 |
$450–$2,300 |
Oven |
$100–$430 |
$400–$3,000 |
Washer |
$50–$450 |
$400–$2,300 |
Freezer |
$90–$500 |
$160–$2,900 |
Refrigerator |
$40–$350 |
$200–$5,000 |
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 Cover Older Appliances?
Most home service contracts don’t deny coverage based on the age of a home or its appliances. Companies such as Liberty Home Guard will cover repairs and replacement costs no matter how old the systems or appliances are.
Each home warranty company offers plans with similar advantages, but some stand out for unique benefits. This comparison chart reviews the similarities and differences between Wisconsin’s three best home warranty companies.
Expert Takes on Home Warranties
Our team sourced various experts to answer common questions about home warranties. Here is what they had to say:
- Are home warranties trustworthy? Gary Parker, a licensed Realtor, suggests the following: “Check if the company is licensed and belongs to professional organizations or associations that uphold ethical standards.” Companies that are part of organizations that enforce fair business practices are considered more trustworthy.
- How do I select the right Wisconsin home warranty company? Patrick Grayson, a real-estate expert associated with Paramount Property Buyers, emphasizes the importance of verifying a provider offers multiple plans. “When shopping for a home warranty, consider the coverage that each company offers and make sure it fits your needs.” He continues, “Some companies may offer more coverage than others, so make sure to compare all your options.”
- What should I ask before purchasing a Wisconsin home warranty? Daniel Cabrera, founder of Sell Your House Fast, recommends asking the following: “What are the limits and exclusions when buying a home warranty?” He adds, “Homeowners should understand what specific items, parts, or situations the company excludes from the warranty.”
Our Conclusion
Liberty Home Guard, American Home Shield, and AFC Home Warranty offer the best home warranties to Wisconsin homeowners. Although we identified Liberty Home Guard as the best overall provider based on various factors, we recommend getting quotes from at least three companies to see how much plans cost for you and your home. We also suggest reading their service contracts to understand exact terms, exclusions and limitations.
Other Resources for Residents in Wisconsin
Frequently Asked Questions
Which home warranty is the best?
The home warranty that’s best for you covers the systems and appliances most important to you. Some home warranty providers leave out key appliances or systems in their basic plans, including air conditioning or plumbing stoppages, so pay attention to each plan’s coverage before signing a contract.
Which home warranty covers the most items?
If you’re looking for maximum coverage based on the companies reviewed, American Home Shield’s ShieldPlatinum plan offers the most comprehensive coverage for appliances and systems.
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
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.