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Vermont winters bring lots of snow. Your HVAC system and roof must be in top condition to ensure your home can handle the heavy precipitation and freezing temperatures. A home warranty connects you with a service provider when your systems and appliances break down. Our team reviewed the best home warranty companies nationwide and selected our top picks for Vermont homeowners.
The Top 5 Home Warranty Companies in Vermont
Before choosing the best Vermont home warranties, we considered factors including coverage plans, cost, customer service, and service reputability.
- 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 displayed in this article is a national average based on the 120 sample quotes we requested. We used a 2,000-square-foot, single-family home to pull quotes. Your cost may vary based on your coverage and home size, type, and location.
Compare Vermont’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 Vermont
The Department of Financial Regulation (DFR) oversees home warranties in Vermont. It developed Statute § 4247–4256 to ensure service contracts fulfill their promises. The DFR also requires home warranty companies to maintain financial responsibility. Providers must file annual reports with the National Association of Insurance Commissioners (NAIC).
If you purchased a home warranty in Vermont and believe your provider is neglecting its contractual obligations, there are several things you can do. Arthur Chartrand, who is of counsel to the National Home Service Contract Association (NHSCA), recommends contacting your provider and recording your attempts to resolve your issue. Then, if your home warranty company refuses to cooperate, you can file a complaint with the DFR.
In addition to government oversight of home warranties, home warranties self-regulate through the NHSCA. It is a nonprofit industry organization consisting of member companies that follow a code of ethics focused on the consumer’s best interests.
How to Choose the Right Home Warranty
Choosing the right home warranty is simple if you take the following steps:
- Consider your needs: Think about your coverage needs before selecting a provider. A home warranty with a minimal workmanship guarantee isn’t ideal if you own older appliances.
- Compare providers: Compare several provider costs, coverage options, and claims processes. This ensures you choose the best provider for your needs.
- Check reputation: Consider providers with at least a B rating with the Better Business Bureau. Providers that have good customer reviews are more likely to offer you a positive experience.
- Read the fine print: To understand a provider’s coverage caps, exclusions, and limitations, read its sample contract.
- Understand the claims process: Knowing how a provider handles claims can save you from claim denials. Consider a provider that is transparent with how it handles claims.
- Seek recommendations: Ask your friends, family, or neighbors about their experiences with a provider.
A home warranty ensures you spend less time searching for a contractor. It also promotes a level budget because it covers expensive repair or replacement costs for your major systems and appliances. Liberty Home Guard is our top pick if you own multiple HVAC units. American Home Shield is another top pick due to its generous systems and appliance caps. Finally, we like that Select Home Warranty includes roof protection in each plan.
Before signing up, request three quotes from different providers. This allows you to compare costs, coverage terms, and exclusions.
Vermont Home Warranty Companies FAQ
Do home warranties have a cap?
Yes, home warranties have a cap based on coverage type. Our research shows that a major system‘s typical cap ranges from $500 to $5,000. Appliance caps range from $150 to $3,000. We recommend reading your provider’s sample contract to understand its coverage limit per item.
What should I look for when buying a home warranty?
When buying a home warranty, you should look for three main factors: cost, coverage options, and exclusions. Every homeowner’s situation is different. Consider your budget, coverage needs, and any notable exclusions before selecting a home warranty provider.
What is the best home warranty company in Vermont?
The best home warranty company in Vermont depends on your specific needs. If you want coverage for unique items, consider Liberty Home Guard. American Home Shield is a solid choice if you own older appliances.
What is excluded from a home warranty?
Home warranties typically don’t cover damage not caused by normal wear and tear, routine maintenance, appliance removal and disposal fees, or commercial property. We recommend reading your provider’s sample contract to determine what it covers or doesn’t cover in your policy.
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.