Best 6 Home Warranty Companies in Providence, RI

Are Home Warranties Worth It for Providence Residents?

Yes, home warranties are worth it for Providence residents. Summers in Providence can get hot, which makes it important for your air conditioner to work properly. However, over time this system can malfunction due to breakdowns from regular wear and tear.

Providence winters are very cold, which means having reliable heating is important. HVAC system replacement can cost from $2,500 to $8,000. Home warranties, on the other hand, run about $644–$737 annually, based on 120 quotes we received from home warranty companies nationwide.

Providence's heavy rain can damage your home's roof. Some home warranty providers offer limited roof-leak coverage, which can mitigate the cost of roof repair. Lastly, home warranties connect you with reliable technicians.

When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs. Reputable home warranty companies vet all their service providers.

What To Consider Before Choosing a Home Warranty Company

Think about these important factors when choosing your home warranty plan.

Cost

After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost approximately $53–$62 monthly. Additionally, you'll pay a service call fee every time you file a claim. Service call fees can range from $65–$125 per claim. Basic home warranty plans are typically more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. You can often get add-on coverage for an additional monthly cost. Be sure you know your specific needs before selecting a plan.

Coverage

Figure out which appliances and systems you use most frequently. Most home warranty providers offer custom coverage tailored to your needs. If you only need coverage for certain systems, such as your heating, most companies offer systems-only plans. The same is true if you only want coverage for select appliances. Here is a list of common systems coverage:

• Air conditioner
• Central vacuum
• Ductwork
• Electrical
• Heating
• Plumbing
• Water heater

• Built-in microwaves
• Clothes washers and dryers
• Dishwashers
• Garbage disposals
• Ovens
• Refrigerators
• Stovetops

Exclusions

Home warranties usually only cover damage from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies also won't cover cosmetic issues or appliance components, theft, defects, or routine maintenance. Providers outline their limitations and exclusions in their service contracts. Read your contract thoroughly to ensure you understand your plan's terms and conditions.

Provider Reputation

Carefully consider a provider's reputation before selecting a plan. Check its Better Business Bureau rating. In addition, read customer reviews on sites like Trustpilot, Google Reviews, and Best Company. These reviews can give you an idea of how providers handle customer service and claims. Check with the Rhode Island Attorney General to verify that a provider holds a license with the state.

Contractor Network

Take into account a home warranty company's service provider network. The company you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company where and how it sources technicians. Choose a provider that mentions the names of familiar service contractors. Homeowners in rural areas might prefer home warranty policies that allow customers to choose their technicians. In-network service providers may be unavailable in these areas, so you'll want the option to choose your own.