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From blizzards to the occasional tornado, Wisconsin homeowners face unique weather challenges. An essential major appliance or system, such as a water heater, may break down when you least expect it—especially if you own an older house. A home warranty plan protects your home items and gives you peace of mind. Our team analyzed the best home warranty companies in the country and chose the top providers in Wisconsin.
The Top 5 Home Warranty Companies in Wisconsin
We chose the best Wisconsin home warranty providers based on coverage options, customer service, pricing, and reputability. Here are our top picks:
- American Home Shield : Best for Comprehensive Coverage
- Liberty Home Guard : Best Add-on Variety
- America’s 1st Choice Home Club : Best Membership Perks
- Cinch Home Services : Best Coverage Variety
- America’s Preferred Home Warranty : Best for Contractor Flexibility
Note that all pricing information in this article is based on a single-family home (smaller than 5,000 square feet) in Milwaukee. Your pricing may vary depending on your home’s size and type, your location, and your plan and add-on coverage options.
Compare Wisconsin’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|
American Home Shield
- Number of plans: Three
- Service call fee: $100–$125
- Get a quick quote: Visit American Home Shield’s site
American Home Shield (AHS) provides comprehensive home protection. It includes generous coverage caps per covered major system and appliance. Additionally, it covers rust, corrosion, sediment damage, and preexisting conditions. AHS’s extensive coverage makes it a suitable choice if you own many systems and appliances.
Our team read American Home Shield’s service contract and found it pairs its ShieldSilver with a $5,000 coverage limit per covered system. It pairs ShieldGold appliance coverage with a $2,000 coverage limit. ShieldPlatinum increases appliance coverage limits to $4,000.
American Home Shield allows you to customize your monthly premium by choosing from a $100 or $125 service call fee. Here is a coverage and pricing breakdown for American Home Shield plans:
ShieldSilver ($39.99–$59.99 per month): This plan covers doorbells and chimes, garage-door openers, ceiling fans, ductwork, attic and built-in exhaust fans, faucets, toilets, whirlpool tub motor components, water heaters, heating units plus interior electrical lines, main breaker and fuse panel boxes, plumbing, air conditioning and heating systems, plumbing stoppages, and interior plumbing lines.
ShieldGold ($49.99–$69.99 per month): This plan covers all items in the ShieldSilver plus built-in microwaves, clothes washers and dryers, dishwashers, garbage disposals, instant cold and hot water dispensers, ovens, cooktops, ranges, and refrigerators.
ShieldPlatinum ($79.99–$89.99 per month): This plan includes all ShieldGold items plus roof-leak coverage, code violations, plumbing system modifications, and refrigerant recapture.
Read more: American Home Shield Review
Liberty Home Guard
- Number of plans: Three
- Service call fee: $65–$125
- Get a quick quote: Visit Liberty Home Guard’s site
Liberty Home Guard (LHG) provides solid coverage, customer service, and flexibility. The provider offers over 30 unique optional coverage options, such as central vacuum, septic tanks, sump pumps, and more. We like that LHG includes a 60-day workmanship guarantee per completed repair. The industry standard workmanship guarantee is 30 days. In addition, it offers home appliance-only or systems-only plans for those who only need one type of coverage.
Our team spoke with a Liberty Home Guard representative to pull our quote. We learned that the company assigns your service call fee, which ranges between $65 and $125, based on your home’s type, size, and location and your plan and add-on selections. Other providers allow you to choose your service call fee.
Liberty Home Guard provides a $2,000 coverage limit for most covered items. However, it limits plumbing and electrical systems to $500 per claim and $250 within the first 90 days of signing up.
Here is a coverage and pricing breakdown for Liberty Home Guard’s three coverage plans:
Appliance Guard ($49.99 per month): This plan covers appliances, such as built-in microwave ovens, ceiling and exhaust fans, clothes washers and dryers, dishwashers, garage-door openers, garbage disposals, ranges, ovens, cooktops, and refrigerators with built-in ice makers.
Systems Guard ($54.99 per month): This plan covers systems such as air conditioning, ductwork, heating, electrical and plumbing systems, and water heaters. As an added perk, LHG includes coverage for a second air conditioner or HVAC system within its standard coverage. Other providers only offer extra unit coverage as an add-on.
Total Home Guard ($59.99 per month): This plan includes all items listed in the Appliance Guard and Systems Guard plans.
Read more: Liberty Home Guard Review
America’s 1st Choice Home Club
- Number of plans: Four
- Service call fee: $75–$125
- Get a quick quote: Visit AFC Home Club’s site
America’s 1st Choice Home Club (AFC Home Club) is a reputable choice for Wisconsin residents. The company offers four protection plans and three service fees for extra coverage and monthly premium flexibility. AFC Home Club extends a plan-length workmanship guarantee per completed repair. AFC’s unlimited workmanship guarantee can give you peace of mind if you own older appliances or systems.
AFC Home Club provides several coverage limits. For instance, it includes a $3,000 cap per covered appliance. However, we spoke with an AFC representative who stated air conditioning systems have an unlimited coverage cap. Therefore, we suggest reading AFC Home Club’s sample contract to understand your plan’s coverage limits and exclusions.
Like American Home Shield, AFC Home Club allows you to choose from several service call fees: $75, $100, or $125. Here is a coverage and pricing breakdown for AFC Home Club’s home warranty plans:
Silver Plan ($37.17–$41.83 per month): This plan covers clothes washers and dryers, dishwashers, garage-door openers, garbage disposals, ovens, ranges, stovetops, and refrigerators.
Systems Plan ($44.17–$48.92 per month): This plan covers ductwork, air conditioning, electrical, plumbing, heating systems, and water heaters.
Gold Plan ($51.25–$56.00 per month): This plan covers all items listed in the Silver and Systems plans.
Platinum Plan ($65.17–$70.67 per month): This plan covers Gold Plan items, built-in microwaves, faucets, ice makers, and plumbing stoppages.
Read more: AFC Home Club Review
Cinch Home Services
- Number of plans: Three
- Service call fee: $100–$150
- Get a quick quote: Visit Cinch Home Services’ site
Cinch Home Services offers rapid claims processing and generous systems and appliance coverage. We spoke with a representative who stated that Cinch can process a claim and send a vetted service provider to your home in as few as two hours. However, the representative mentioned this applies to regular business hours. Therefore, expect delays in processing your claim if you file a claim after hours, on weekends, or during holidays.
Cinch offers three service call fees and covers rust and corrosion damage. Additionally, it covers items with preexisting conditions. Cinch offers up to $10,000 annual coverage per covered system, appliance, and add-on. This means Cinch will pay for a covered item’s repair or replacement up to the annual coverage limit.
Cinch offers a $100, $125, and $150 service call fee. Choosing a lower fee raises your monthly premium and vice versa. Here is a coverage and pricing overview for Cinch Home Services’ plans:
Appliances ($65.99–$75.99 per month): This plan covers built-in food centers, microwaves, trash compactors, clothes washers and dryers, cooktops, dishwashers, freestanding ice makers, ranges and range exhaust hoods, refrigerators, and wall ovens. All plans include a $25 air conditioner or refrigerator filter credit.
Built-in Systems ($71.99–$83.99 per month): This plan covers air conditioning and heating systems, including ductwork, attic and ceiling fans, central vacuums, doorbells, electrical and plumbing systems, garage-door openers, garbage disposals, instant hot and cold water dispensers, smoke detectors, sump pumps, toilets, water heaters, and whirlpool and jetted tubs.
Complete Home Care ($87.99–$99.99 per month): This plan covers all items in the Appliances and Built-in Systems plans. It also includes reimbursement for your annual homeowners insurance deductible of up to $500.
Read more: Cinch Home Services Review
America’s Preferred Home Warranty
- Number of plans: Two
- Service call fee: $50–$125
America’s Preferred Home Warranty (APHW) is our final recommendation for home warranty coverage due to its unique service model. Like AFC Home Club, APHW allows you to choose your technician. However, APHW takes it a step further by speaking directly with your service provider once they arrive at your home and authorizing a repair within the same visit. APHW accepts your service call fee after your technician completes the repair or replacement.
APHW offers a comprehensive $25,000 annual coverage cap. It allows you to submit unlimited claims as long as they don’t exceed the annual limit. However, APHW limits individual system and appliance caps per coverage term. For example, it covers air conditioning for up to $2,250 annually.
America’s Preferred Home Warranty offers two coverage plans. Depending on your coverage plan, you can select a $50, $100, or $125 service call fee. The higher your service call fee, the lower your monthly premium. Here is a coverage and pricing overview for America’s Preferred Home Warranty plans:
Legacy Plan ($39.58–$46.58 per month): This plan covers attic and exhaust fans, built-in dishwashers, central air conditioning, central vacuums, ductwork, electrical systems, exterior water and sewer lines, freestanding ranges and cooktops, garage-door openers, garbage disposals, heating systems, humidifiers, instant hot water dispensers, microwaves, ovens, permanently installed sump pumps, plumbing systems and stoppages, refrigerators, roof-leak repairs, septic systems, water heaters, and water well pumps. The Legacy Plan has a $125 service call fee.
Enhanced Plan ($54.92–$59.08 per month): This plan covers all items listed in the Legacy Plan, plus built-in trash compactors and clothes washers and dryers. You can choose a $50 or $100 service call fee with the Enhanced Plan.
Read more: America’s Preferred Home Warranty Review
Home Warranty Regulations in Wisconsin
The Wisconsin Department of Agriculture, Trade and Consumer Protection (DATCP) regulates home warranty providers. Although there isn’t a clear statute overseeing home warranties specifically, Wisconsin Act 226 outlines regulations placed on service contracts. For example, the act states service contract companies must provide a sample contract of coverage terms before a consumer purchases a plan.
You have several options if you believe your provider has breached its contractual obligations. First, contact your provider directly. Arthur Chartrand, who is of counsel to the National Home Service Contract Association (NHSCA), recommends keeping track of your conversations with your provider. He then suggests presenting your information to the provider, which may help the resolution process. However, if the provider doesn’t resolve your issue, you can file a complaint with the DATCP.
In addition to government regulation, industry associations also oversee home warranties. The NHSCA, a nonprofit industry organization, routinely monitors member companies and the legislative landscape to ensure providers meet the consumer’s best interests.
A home warranty covers inconvenient home repairs so you can handle the unexpected. Our team recommends Liberty Home Guard due to its wide array of add-ons. We also suggest American Home Shield if you own many appliances or systems. AFC Home Club is worth considering for those who want to choose their own contractor. Before purchasing a plan, we recommend pulling quotes and reading sample contracts from various providers to compare costs, coverage, and exclusions.
Wisconsin Home Warranty Companies FAQ
Do I need a home warranty when buying or selling a home?
A home warranty can give new home buyers more peace of mind by covering their home’s systems and appliances within the length of its policy. A policy typically lasts the first year of home ownership. Home sellers may want to consider that a home warranty adds an incentive for home buyers to purchase your home over others, plus it raises the value of your home and could lead to a quicker sale.
Can I transfer my home warranty to another home?
Yes, most home warranty providers allow you to transfer your policy to another home. Some allow you to transfer your policy free of charge. However, you must contact your provider first before moving into your new home to process the policy transfer correctly.
Is there a difference between homeowners insurance and a home warranty?
Yes, there is a difference between homeowners insurance and a home warranty. Home insurance covers items in your home damaged by theft, fire or storms. A home warranty covers items in your home that break down due to normal wear and tear. Both policies could save you time and money on repairs because they provide complementary coverage.
Do home warranties cover other types of home items?
Yes, home warranties cover many home items besides common systems and appliances. For example, home warranties cover pools and spas, septic systems, sump pumps, standalone freezers, well pumps, and more. Generally, providers cover these items as add-ons. Check your provider’s sample contract to see what add-on options are available.
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.