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Rhode Island residents may wonder which home warranty company is best for them. Before choosing a provider, consider factors such as claims process, coverage options, price, and service reputability. To help you decide, we analyzed dozens of the best home warranty companies across the country and selected the best providers available in Rhode Island.
The Top 5 Home Warranty Companies in Rhode Island
Each company we reviewed offers multiple coverage options, competitive pricing, and solid reputability. The following are our top Rhode Island home warranty companies:
- American Home Shield : Best for Comprehensive Coverage
- Liberty Home Guard : Best Add-on Variety
- Select Home Warranty : Best for Cost-Effective Plans
- America’s 1st Choice Home Club : Best Membership Perks
- Cinch Home Services : Best Coverage Variety
The cost data in this article is a national average based on the 120 sample quotes we requested for homes across the country. Your cost may vary based on your home’s size and type, location, and coverage selections.
Compare Rhode Island’s Top Home Warranty Companies
|Star Rating||Monthly Cost||Service Fee||BBB Rating||Link|
|American Home Shield||$65–$76||$100–$125||B||VISIT SITE|
|Liberty Home Guard||$49-$60||$65–$125||A+||VISIT SITE|
|Select Home Warranty||$44–$48||$65–$75||B-||VISIT SITE|
|First American Home Warranty||$59–$77||$75–$125||B||VISIT SITE|
|American Home Shield|
|Liberty Home Guard|
|Select Home Warranty|
Home Warranty Regulations in Rhode Island
Our research indicates Rhode Island doesn’t allocate a governmental authority to regulate home warranties. However, Rhode Island provides multiple consumer protections, such as a complaint form, to help resolve consumer disputes with home warranty companies.
While the state doesn’t oversee home warranties, several industry organizations do. For example, the National Home Service Contract Association (NHSCA) is a nonprofit industry organization consisting of member companies that follow fair business practices. The NHSCA accepts complaints from consumers who have a policy with a member company.
Arthur Chartrand, who is of counsel to the NHSCA, recommends keeping track of who you speak with and the date each time you file a claim with your provider. He emphasizes the importance of noting representative names so you can quickly escalate an issue with your provider.
How to Make the Most of Your Home Warranty
Some aspects of a home warranty may seem unclear. Take the following steps to make the most of your home warranty plan:
- Choose the right coverage.
- Read provider reviews.
- Report a breakdown as soon as it occurs.
- Document everything.
- Maintain realistic expectations.
Carefully read your sample contract to ensure you fully benefit from your home warranty. Understanding what is and isn’t covered, the claims process, exclusions, and limitations can reduce denied claims.
A home warranty can protect your Rhode Island home from an inconvenient system or appliance breakdown. Home warranty providers also find vetted service providers near you for your convenience. American Home Shield is our top pick due to its generous systems and appliance coverage. We also recommend Liberty Home Guard for its extensive list of add-ons. In addition, we like AFC Home Club because it allows you to choose your technician. Before choosing a home warranty, we recommend pulling quotes from several providers to compare coverage options and plan costs.
Rhode Island Home Warranty Companies FAQ
What doesn’t a home warranty cover?
A home warranty typically doesn’t cover items not listed in its service contract or items under the limitations and exclusions section. Common exclusions include routine maintenance, preexisting conditions, food spoilage, and non-essential system or appliance components such as door hinges or knobs.
What is the difference between homeowners insurance regulation and home warranty regulation?
The biggest difference between homeowners insurance regulation and home warranty regulation is that homeowners insurance is much more tightly regulated. Homeowners insurance companies must obtain a license from the National Association of Insurance Commissioners and the Federal Insurance Office, plus any licenses required by the state in which it plans to do business. Home warranty companies must be licensed only in certain states, not at the federal level.
Are home warranties worth it on older homes?
Yes, a home warranty is worth considering for an older home. Older homes typically have aged appliances and home systems that are more likely to break down from wear and tear. The exception is if your home systems and appliances have preexisting conditions, as many providers exclude these.
What is a service call fee?
A service call fee is similar to a deductible charged by an insurance company. Providers charge a service call fee each time you file a new claim. Service call fees range from $65 to $125, depending on your provider and plan selection.
How We Chose the Top Home Warranty Providers
Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on our analysis of customer reviews and interviews with industry experts. Our in-depth methodology outlines our review process to provide transparent information about the companies we review.
We determined that the following factors are the most important when comparing home warranty companies: available plans, plan coverage, price range, industry reputation, customer support, and additional features. Our research supported that plan coverage, customer service, and industry reputation should carry the most weight. While important, the other factors should not have as much influence when choosing a home warranty provider.