Best 5 Home Warranty Companies in Milwaukee, WI

Are Home Warranties Worth It for Milwaukee Residents?

Yes, home warranties are worth it for Milwaukee residents. Milwaukee generally has mild temperatures, but you may still use your air conditioner frequently during the warmer months. Your air conditioner may malfunction over time due to breakdowns from regular wear and tear.

Milwaukee winters are very cold, which means having reliable heating is important. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties, on the other hand, run about $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.

Milwaukee's regular rain showers can also affect your home's roof. Some home warranty companies offer limited roof-leak coverage to financially assist with repair. Lastly, your home warranty will connect you with trustworthy service providers.

Investing in a reputable home warranty company is worth it because companies vet their technicians. If you're focused on work or other priorities, your home warranty provider can ensure that someone reliable will handle your issue.

What To Consider Before Choosing a Home Warranty Company

Consider these key factors when picking the best home warranty plan for you.

Cost

We requested 120 quotes for a 2,000-square-foot, single-family home and discovered that the average home warranty costs between $53–$62 per month. You also have to pay service call fees each time you file a claim. These fees range from $65–$125 per claim. A basic home warranty will be more affordable than a comprehensive one. Home systems coverage plans tend to cost more than appliance plans. Most plans offer add-on coverage options for an additional monthly fee. Consider your particular needs before committing to a plan.

Coverage

You can look for a home warranty plan that covers specific systems and appliances. Determine whether you want coverage for major systems (such as heating), specific appliances, or for both. Then ask your provider what its options are for customized coverage. 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 generally only cover normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies also won't cover cosmetic issues or appliance components, routine maintenance, defects, or theft. Each provider outlines exclusions and limitations within its service contract. Make sure you read it and understand your plan's exact terms and conditions.

Provider Reputation

Consider provider reputation when making a decision. You can also read real customer reviews on sites such as Best Company, Google Reviews, and Trustpilot. Looking at reviews can show you how companies handle claims and customer service. Check with the Wisconsin Department of Agriculture, Trade, and Consumer Protection to verify that a provider holds a license with the state.

Contractor Network

Take into account a home warranty company's network of service providers. Ask how and where it sources technicians—reputable companies should always use licensed and registered contractors. If you can, use a provider that mentions the names of familiar contractors. Homeowners in rural areas may consider choosing a home warranty that lets them choose their technicians. You'll want the option to source your own providers if there are no in-network ones available in your area.