Homeowners in Rhode Island are never more than one hour from the beach, have access to great schools, and will never get tired of all the history that RI has to offer. If you are lucky enough to own a home in Rhode Island, you know how wonderful homeownership can be. However, there are always issues that come up with home systems and appliances, and they need to be tended to quickly and efficiently.

Rhode Island can get some really great spring and summer weather, but the winters are typically rough. This range of temperatures and conditions impacts the normal wear and tear of home systems and appliances. In our guide featuring the best home warranties in Rhode Island, we will give you information on how to choose a home warranty, why Rhode Island homeowners need a home warranty, and which company is best for your home.

Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months Free
Best Coverage Limits
AHS Logo
VISIT SITE
Limited Time:
$150 Off Any Plan
Best Customer Ratings
VISIT SITE
Limited Time:
$150 Off + 1 Month Free
Best Claims Acceptance
choice home warranty logo
VISIT SITE
Limited Time:
$50 Off + 1 month free!

Top 5 Home Warranty Companies in Rhode Island

A home warranty plan can provide you with cost savings and peace of mind when it comes to costly home repairs. That said, not all home warranty policies are created equal. We compiled the list of the top five RI providers to help you find a worthwhile option for your home and budget. See these companies in the list below:

Liberty Home Guard: Best For Customization
Why Trust Us?

Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.

76

Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.

152

We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.

6

Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.


Comparison of Top Rhode Island Home Warranty Providers

Below is a table we’ve created to help outline specific data points comparing some of the best home warranty companies on the market. We are constantly tweaking these ratings and updating information as these companies change their policies and prices. Continue reading for our specific reviews of each.

CompanyStar RatingBest ForMonthly CostService FeeResponse TimeBBB Rating
VISIT SITE

Best for Customization

$50-$60

$75

12-48 hrs.

NR

Best Coverage Limits

$35–$75

$100–$125

24-72 hrs

B

VISIT SITE

Best Customer Ratings

$44.99-$58.99

$70

48 hours

A+

choice home warranty logo
VISIT SITE

Best Claims Acceptance

$46–$55

$85

24-48 hrs.

B

select home warranty logo
VISIT SITE

Best Value

$52–$58

$60

24-48 hrs.

B

VISIT SITE

Best for Additional Benefits

$38–$62

$75–$125

48 hours

B

first american logo
VISIT SITE

Best Appliance Coverage

$38–$48

$75–$125

48 hours

B

Best for Preventative Maintenance

$28–$68

$100–$150

2–24 hrs

B

CompanyRatingMonthly CostService FeeResponse TimeBBB RatingLink

$50-$60

$75

12-48 hrs.

NR

VISIT SITE
AHS Logo

$35–$75

$100–$125

24-72 hrs

B

VISIT SITE

$44.99-$58.99

$70

48 hours

A+

VISIT SITE
choice home warranty logo

$46–$55

$85

24-48 hrs.

B

VISIT SITE
select home warranty logo

$52–$58

$60

24-48 hrs.

B

VISIT SITE

$38–$62

$75–$125

48 hours

B

VISIT SITE
first american logo

$38–$48

$75–$125

48 hours

B

VISIT SITE

$17–$60+

$65–$100

2–24 hrs

A-

VISIT SITE

$28–$68

$100–$150

2–24 hrs

B

VISIT SITE

How to Choose the Best Home Warranty in Rhode Island

There are a few essential things that you should consider when breaking down which of these plans is the best for you. Three of these are the coverage caps, company history, and overall pricing.

Each covered item in your plan will have a limit or cap associated with it. This means that once repairs or replacements exceed this cap, you will be responsible for paying for anything in addition. Some of these caps are $500, and others are complicated; your Rhode Island home has high-end appliances and systems; choose the higher coverage caps.

The overall pricing of the home warranty plan will include the service fee and monthly pricing. Rhode Island home warranties will range in price from $38 to around $80 per month. You can typically find a plan that will fit within your budget.

Reading reviews and information about home warranty companies is not difficult. There is no shortage of information available on the market for you to have access to. Take a look at how many claims have been paid out and the workmanship quality of the plans.


How Much Does a Home Warranty in Rhode Island Cost?

The average cost of a home warranty plan in Rhode Island is around $830 a year. The size of your Rhode Island home, the number of coverages you choose, and the service call fee or deductible can all impact the cost of your Rhode Island home warranty. For those on a budget, a plan with a customizable service fee is the best overall option. Home warranty plans that cover systems and appliances are the best fit for Rhode Island homeowners.

Overall$839.72
Single-Family$693.82
Multi-Family$1,234.53
Townhome$561.26
Condo$686.66
Duplex$1,040.90
Home Over 5,000 sq ft$1,294.73
Home Under 10,000 sq ft$787.48

Home Warranty Cost Calculator

Our home warranty cost calculator helps Rhode Island homeowners budget their yearly expenses for a new plan. Just type your monthly premium, estimated number of service visits, and your service call fee to determine your annual home warranty cost.

Appliance Average Repair Cost Average Replacement Cost
Dehumidifier $50–$200 $1,300–$2,800
Microwave $50–$400 $60–$2,000
Dishwasher $50–$500 $400–$3,000
Exhaust Fans $16–$300 $250–$950
Electric Range $100–$500 $230–$3,000
Gas Range $100–$500 $230–$3,000
Dryer $100–$400 $450–$2,300
Oven $100–$430 $400–$3,000
Washer $50–$450 $400–$2,300
Freezer $90–$500 $160–$2,900
Refrigerator $40–$350 $200–$5,000

Home Warranty Regulations in Rhode Island

Rhode Island does not explicitly regulate home warranties. There are some things you should note about laws in the state, though. Contractors must register to provide home services, and some repairs may require building permits.

The state provides a guide to help homeowners select contractors wisely. With home warranty coverage, you have access to an extensive network of pre-vetted service professionals.

If you find your own contractor, you run the risk of hiring someone who does not have the proper licenses, which will cause issues if they need permits to complete your job. 


Our Reviews of the Best Rhode Island Home Warranties

Best for Customization

Liberty Home Guard

4.6

Our Rating

Limited Time:
$200 Off + 2 Months Free

Liberty Home Guard is the most trustworthy home warranty in the state of Rhode Island. The interesting thing about Liberty Home Guard is that they have earned this distinction of most trustworthy after only two years in the market. The Liberty Home Guard policy has a BBB rating of an A and many positive customer service reviews. LHG is known for its extensive coverage options and for getting to your home quickly to fix, repair or replace an appliance.

  • Our Take: Best for Customization
  • Average Annual Cost: [$649] – [$749]
  • Response Time: Within 24 hours
An extensive list of add on coverages
Easy to use customer claim portal
BBB rating of an A after a short time in the industry
Has only been on the market for a few years
No plan customization

The Liberty Home Guard company gives Rhode Island homeowners three plans to choose from when it comes to coverage options. Like the way Select Home Warranty is set up, Liberty Home Guard offers a systems plan, appliance plan, and Total Home Guard. The list of add-on coverages from Liberty Home Guard is the most extensive in the industry, something that all homeowners are going to want to take advantage of if they have a saltwater pool, ejector pump, or even a lawn sprinkler system. Liberty Home Guard has a $75 service fee.

Here’s a detailed look at Liberty Home Guard’s coverage:

  • Appliance Guard ($64.99 per month): The Appliance Guard plan from Liberty Home Guard has coverage for 11 major appliances, including garage door opener, ceiling fans, cooktop exhaust fan, oven, refrigerator, garbage disposal, dishwasher, microwave, clothes washer, clothes dryer, and refrigerator ice-maker.
  • Systems Guard ($69.99 per month): The Systems Guard plan is a systems-only option with nine systems. These systems are the electrical system, air conditioner, bath exhaust fan, heating system, toilet, ductwork, plumbing and plumbing stoppages, and water heater. System breakdowns are expensive to repair, and this home warranty offers excellent peace of mind.
  • Total Home Guard ($74.99 per month): The Total Home Guard is the best value from LHG. Total Home Guard has more than 20 covered systems and appliances. Having a combination of all the major systems with all the major appliances helps keep costs down as a homeowner.

Liberty Home Guard has one of the most extensive lists of add-on coverages in the industry; these will include:

  • Pool and spa
  • Additional spa (Billed as an extra to the pool system)
  • Saltwater pool
  • Gutter cleaning
  • Floor/carpet cleaning
  • Sump pump
  • Fixtures
  • Water softener
  • Trash compactor
  • Lawn sprinkler system (all mechanical parts)
  • Electronics protection
  • Swamp cooler
  • Ejector pump
  • Septic system pumping
  • Limited roof leak
  • Pest control
  • Locksmith
  • Free-standing ice maker
  • Central vacuum
  • Stand-alone freezer
  • Re-key
  • Second refrigerator
  • Wine refrigerator
  • Well pump
  • TV and PC
  • Generator
  • Water dispenser

To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.

To learn more information, visit our Liberty Home Guard review.

Best Coverage Limits

American Home Shield

4.3

Our Rating

Limited Time:
$150 Off Any Plan

American Home Shield is the most customizable plan in the home warranty industry. Homes across Rhode Island will vary greatly in the features that they offer. Home warranty plans will often have stock options that may not suit the needs of your Rhode Island home. With the AHS plan, you can add and subtract coverages to fit the needs of your home. American Home Shield has more than 50 years of experience in the home warranty industry.

  • Our Take: Best Coverage Limits
  • Average Annual Cost: [$479] – [$779]
  • Response Time: Up to 48 hours
50 years of industry experience
Low chance of claim denial
24/7 online support for your home warranty plan
Cancellation fees if canceled after the first 30 days
Pricing for some plans is considerably higher

There are three American Home Shield plans, a systems plan, and two combo or comprehensive plans. The ShieldGold Combo Plan tends to be one of the most popular choices because of the combination of appliance and system coverage. In addition, American Home Shield has some great add-on coverage options, especially for pool and spa owners. American Home Shield has a customizable service fee between $75 and $125.

Here’s a detailed look at American Home Shield’s coverage:

  • ShieldSilver™ ($39.99 per month): The ShieldSilver plan covers 14 home systems, including air conditioning, electrical system, smoke alarms, water heater, central vacuums, doorbells, garage door opener, heating system, garbage disposals, ceiling fans, instant hot/cold water dispenser plumbing, and ductwork.
  • ShieldGold™ ($49.99 per month): ShieldGold is the combo plan covering both systems and appliances. There are 23 home systems and appliances on this plan. The ShieldGold plan has additional coverages, including a clothes washer, dishwasher, clothes dryer, microwave, oven, and refrigerator.
  • ShieldPlatinum™ ($64.99 per month): The ShieldPlatinum plan includes 27 systems and appliances. Pricing for ShieldPlatinum is slightly higher, but it is one of the more premium home warranty plan choices in the state of Rhode Island. For Rhode Island homeowners with high-end systems and appliances, ShieldPlatinum is one of the better coverage plans available.

American Home Shield also offers several add-on coverages for homeowners to consider.

  • Septic system (first-year customers only, nonrenewable)
  • Pool
  • Spa
  • PC
  • TV (includes home theater system)
  • Well pump coverage

To get a free quote from American Home Shield, you can fill out this form or call 888-365-2839.

To read more, visit our American Home Shield review.

Best Claims Acceptance

Choice Home Warranty

4.3

Our Rating

Limited Time:
$50 Off + 1 month free!

Choice Home Warranty is the best overall home warranty in the state of Rhode Island. Choice has been in the home warranty industry for more than 13 years, and they have a BBB rating of B-. With a Choice Home Warranty plan in place, you will have a straightforward plan to work with. Customers in Rhode Island feel very comfortable with the coverage they have and the ability of Choice to help protect their homes. Coverage limits and caps for Choice are some of the highest in the industry, with some being over $2500 per covered item.

  • Our Take: Best Claims Acceptance
  • Average Annual Cost: [$550] – [$650]
  • Response Time: Up to 48 hours
Impressive customer service
Comprehensive plan options that cover both systems and appliances
90-Day Repair Guarantee
30-day waiting period to start
No customization of plan

Rhode Island homeowners often think that Choice Home Warranty will have numerous policies to choose from. However, there are only two Choice Home Warranty plans a Basic Plan and a Total Plan. The Total Plan tends to be the more popular choice because it has more variety in coverage and can offer greater peace of mind. There are also some great add-on choices for those that have septic systems or central vacuums. The service fee associated with the Rhode Island Choice Home Warranty is $85.

Here’s a detailed look at Choice Home Warranty’s coverage:

  • Basic Plan ($42 per month): The Basic Plan from Choice Home Warranty covers 13 items, including plumbing system, ceiling fans, garbage disposal, heating system, cooktop exhaust fans, microwave, dishwasher, ductwork, electrical system, garage door opener, oven, toilet, and water heater.
  • Total Plan ($53.33 per month): The Total Plan is the more comprehensive plan and covers all 13 items in the Basic Plan, plus an additional four items. The Total Plan includes the clothes washer, dryer, refrigerator, and air conditioner coverage. Having both system and appliance coverage, with the addition of air conditioning coverage, makes the Total Plan the better choice for Rhode Island homeowners.

Choice Home Warranty has several add-on coverages that you can add to either of its plans.

  • Roof leak coverage (single-family homes only)
  • Central Vacuum
  • Septic Tank
  • Well Pump
  • Pool
  • Spa (Can be combined with pool coverage if the equipment is shared)
  • Sump Pump (must be permanently installed)
  • Stand Alone Freezer

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.

Read the full Choice Home Warranty Review.

Best Value

Select Home Warranty

4.2

Our Rating

Limited Time:
$150 Off (Code HOUSE25)

Select Home Warranty is the most cost-effective home warranty plan for Rhode Island residents. If you are on the fence about whether or not a home warranty is worth the money, Select Home Warranty will help you make a much easier decision. The Select Home Warranty plans have been on the market for close to ten years, and they are known for high-quality workmanship. Keeping your budget in place while protecting your home is a specialty of the Select Home Warranty.

  • Our Take: Best Value
  • Average Annual Cost: [$579] – [$650]
  • Response Time: Up to 48 hours
High workmanship quality
Free roof coverage
Good selection of appliance plan, systems plan, and combo plan
Must file a claim within three days
Coverage caps can be lower

There are three Select Home Warranty plans to choose from. Each of these plans is going to cover both systems and appliances. The Platinum Care plan is the most cost-effective coverage option as it combines both systems and appliances. Each of the Select Home Warranty policies comes with free roof leak coverage. The service fee from Select Home Warranty is just $65.

Here’s a detailed look at Select Home Warranty’s coverage:

  • Bronze Care ($52 per month): The Bronze Care plan is an appliance-only home warranty plan. This plan covers seven major appliances, including a refrigerator, built-in microwave, clothes washer and dryer, oven, garbage disposal, and cooktop.
  • Gold Care ($52 per month): The Gold Care plan is a system-only plan from Select Home Warranty. There is coverage for six systems; plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork. The Gold Care has less coverage than the Bronze, but it is the same price; this is because of the cost of repairing home systems.
  • Platinum Care ($58 per month): The Platinum Care plan will include all of the appliances under the Bronze Care plan and all of the systems under the Gold Care Plan. The Platinum Care Plan is just a few dollars more per month, but it has all of the coverage included in both the Bronze Care and the Gold Care plans.

Select Home Warranty has several add-on coverages that you can attach to either of its plans; roof leak coverage is included without paying extra.

  • Central vacuums (Does not include clogged pipes)
  • Lawn sprinkler systems
  • Pools (Can combine with spa coverage if the equipment is shared)
  • Spas
  • Stand-alone freezers
  • Sump pump (must be within the foundation of the home)
  • Well pump

Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.

Read our Select Home Warranty review to learn more.

Best Response Time

The Home Service Club

4.4

Our Rating

Limited Time:
$75 Off & 1 Month Free!

The Home Service Club has the quickest coverage of any home warranty provider in Rhode Island. With The Home Service Club, you will have to wait just ten days before your home warranty coverage begins. Most other home warranty plans require a total of 30 days before coverage starts. The Home Service Club has been in the industry for 13 years, and they continue to impress Rhode Island homeowners with their coverage choices, police coverage caps, and responsiveness to breakdowns.

  • Our Take: Best Response Time
  • Average Annual Cost: [$600] – [$756]
  • Response Time: Within 24 hours
13 years of industry experience
Policy starts in just ten days
Positive customer reviews
No plan customization
Does not have an ultimately budget-friendly cheap plan option

There are two plans that The Home Service Club offers for Rhode Island residents. These two plans are the Standard Coverage and the Comprehensive Coverage plans. The Comprehensive Coverage plan has 33 covered items, including both home appliances and major systems. When you are looking for many covered items The Home Service Club is the best option for homeowners to consider.

Here’s a detailed look at The Home Service Club’s coverage:

  • Standard Coverage ($50 per month): The Home Service Club Standard Coverage Plan has 18 covered items, including air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more.
  • Comprehensive Coverage ($63.00 per month): The Comprehensive Coverage Plan from The Home Service Club has 33 covered items. These extra coverages include gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more. Some of the coverages that really pay off are the plumbing stoppages and ductwork. There are many parts of the Comprehensive Coverage Plan that are typically add-on coverages with other providers; this will help you save quite a bit of money.

The Home Service Club also has plenty of add-on options, starting around $5 per month and increasing from there.

  • Well pump
  • Service line
  • Plumbing sprinkler
  • Spa
  • Roof Leak (up to $1000 in coverage)
  • Spa heater
  • Freestanding freezer
  • Water softener
  • Pool (can be combined with spa coverage if the equipment is shared)
  • Sprinkler system
  • Pump (Sewage ejector pump)

To get a free quote from The Home Service Club, fill out this online form or call 800-842-9334.

To learn more information, visit our The Home Service Club review.


Home Warranties in Rhode Island Cities


What is a Rhode Island Home Warranty?

A home warranty is a protection plan for home systems and appliances that will help save homeowners money and time. Home warranty plans will make it easier to budget your expenses as a homeowner. In addition, you will be able to ensure that you can get a timely fix on your home systems and appliances. Home warranty plans require you to submit a claim and pay a service fee each time you need service. Outside of these fees, there should be very few out-of-pocket costs for a homeowner with a home warranty in place.

A home warranty covers home systems, appliances, and add-ons from normal wear. Normal wear is the only thing that the home warranty will cover, but this is typically why you will be requesting service.

The home systems that a home warranty will cover include things like electrical, plumbing, and HVAC. These systems typically have high out-of-pocket expenses associated with their repair and replacement. Home warranties can help to keep these expenses in check. The appliances typically covered under a home warranty plan will include a refrigerator, oven, dishwasher, and more.

Add-on coverage associated with a home warranty typically includes things like swimming pools and sprinkler systems, all important coverages for those with these special features as part of their Rhode Island home.

Home warranty plans will protect against normal wear, but they have quite a few exclusions. If you are not keeping up with basic maintenance and home repairs, and this causes more significant issues, your home warranty claim may get denied. The details of your service contract will lay out exactly what is covered and what is not covered by a home warranty.

Here are a few of the things that are not covered by a home warranty plan:

  • Cosmetic issues
  • Preexisting conditions
  • Natural disasters
  • Lack of maintenance and upkeep
  • Intentional breakage
  • Misuse of a system or appliance

How Does a Home Warranty in Rhode Island Work?

A home warranty in Rhode Island should be very simple to use. When it comes time to file a claim, simply contact your provider and get the process started. One of the great things about a Rhode Island home warranty is that you will be able to get a repair much faster than you would if you had no home warranty in place. Here are the basics of how a Rhode Island home warranty works.

  • Find a home warranty plan that meets the needs of your Rhode Island home while also keeping your budget in mind; look for as much coverage as possible for the price
  • Wait 10-30 days before the home warranty will go into full effect; during this time period, cancellation is typically free of charge
  • If you experience an issue with a home system or appliance, check your policy documents or the online portal system to see if it will be covered as part of your home warranty plan
  • Submit a claim with your home warranty provider, typically through the online portal system or by calling the number on your policy documents
  • At this point, you will have to pay the service fee to have a repair technician or contractor come out to your home to inspect the issue
  • Once the issue is inspected, options for repair or replacement will be presented to homeowners; if the appliance or system can’t be repaired, the home warranty plan may offer replacement costs
  • Most of the time, the only out-of-pocket expense is the service fee
  • Repair should happen within 24-72 hours; the only thing that typically delays a repair is wait times on parts
  • If a repair fails, a home warranty workmanship guarantee will ensure that homeowners are not responsible for an additional service fee

Home Warranty vs. Homeowners Insurance

The home warranty is different than a homeowners insurance plan. Homeowners insurance is a mandatory policy for those with a mortgage, but a home warranty is optional. A homeowners insurance policy will cover things like fires, hurricanes, natural disasters, and more. A home warranty will cover appliances and systems and add-on coverages.


Common Home Issues to Consider in Rhode Island

Rhode Island experiences various weather conditions, and many areas of the state are considered coastal areas. For those who live in coastal areas, the salt can do quite a bit of damage to a home. Overall you will want to be aware of issues that could come up and how your home warranty can help. Three problems that Rhode Island homeowners will run into are plumbing systems, heating systems, and HVAC. (Find out our top HVAC warranty services).

  • Plumbing Systems: Some of Rhode Island can have rough terrain and rolling hills. This can mean that the plumbing system in your home can run into some issues. Plumbing systems are expensive to fix, and they will take quite a bit of money to diagnose. With a home warranty in place, you will be responsible for just your service fee.
  • Heating Systems: A heating system is essential during a Rhode Island winter. If the heating system is not working correctly, homeowners will struggle to stay warm all winter long. Luckily heating systems are covered under most home warranty policies, and this coverage can save you thousands.
  • HVAC: The HVAC coverage available for Rhode Island homeowners is quite strong, and it is an important one to have. The HVAC unit is something that is quite costly to repair and replace. HVAC is also something you won’t want to live without in the summer; therefore, having this coverage is essential.

Biggest Complaints about Home Warranty Companies in Rhode Island

Homeowners in Rhode Island will sometimes complain about their home warranty plans. For the most part, homeowners are satisfied with what the home warranty can do to help them in their homes. However, some issues come up with a home warranty that can make it rather frustrating. Here are a few of the biggest complaints about home warranty companies in Rhode Island.

  • Claim Denial: a home warranty claim can get denied for several reasons. One of the major reasons is a preexisting condition with the home systems or appliances. Claim denial can be avoided if it is something you bring up from the start and discuss with your provider.
  • Failed Repair: most of the technicians and service personnel are highly qualified in what they do; however, there are times when a repair will fail. In the case of a failed repair, you may end up paying another service fee to fix the same issue. Failed repairs can be much cheaper if you choose a plan with a long workmanship guarantee.
  • Not Comprehensive Coverage: for many Rhode Island home warranty providers, unless you invest in a platinum plan with large coverage options, you will have to choose between system or appliance coverage. The fact that comprehensive coverage is not part of every policy becomes an issue for some. When your dishwasher breaks but you only have systems coverage, it gets frustrating.

Is a Rhode Island Home Warranty Worth It?

Home warranty plans are worth it for Rhode Island homeowners. Living in Rhode Island can be great, but it will also mean warm summers and cold winters. This means that your home will have to have a large number of systems and appliances to be a comfortable and enjoyable place to live. The chances of one of these systems or appliances breaking down at any point is quite high.

If your HVAC system takes a turn for the worst, your out-of-pocket expenses could be well into the thousands. However, when a home warranty is in place, the costs will typically only be a service fee. Homeowners will only have to experience one or two repairs in the course of a year for the home warranty to pay for itself.

Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months Free
Best Coverage Limits
AHS Logo
VISIT SITE
Limited Time:
$150 Off Any Plan
Best Customer Ratings
VISIT SITE
Limited Time:
$150 Off + 1 Month Free
Best Claims Acceptance
choice home warranty logo
VISIT SITE
Limited Time:
$50 Off + 1 month free!

FAQs About Rhode Island Home Warranties

How much does a home warranty cost in Rhode Island?

A Rhode Island home warranty will cost between $38 and $80 per month. The higher-priced home warranties have more coverage and lower service fees. When you try to add coverage for your pool, spa, sprinklers, roof, and more, the home warranty price will go up considerably. If you want to keep pricing down, choose a basic policy from a company like Select Home Warranty.


What is a service fee?

The service fee is the money you pay to have a repair or replacement done in your home. Most service fees cost between $60 and $150 for Rhode Island policies. Overall service fees are a major factor to consider when looking at the overall affordability of a home warranty plan.


What is the best home warranty company in Rhode Island?

The best home warranty company in Rhode Island is Choice Home Warranty. Rhode Island homeowners trust Choice Home Warranty. They offer effective and fast service and have been in the industry for more than 13 years.


Is a home warranty worth it?

It will only take one or two repairs for you to realize the value of your home warranty plan. If your HVAC and your dishwasher were to break in the same month, could you afford to have them repaired or replaced? The home warranty protects you when you need it the most and also allows for peace of mind.



More Rhode Island Resources


Today's Homeowner Home Warranty Ranking Methodology

At Today’s Homeowner, we strive to bring you the most transparent, accurate information for your home improvement projects. Our home warranty company ratings emphasize what matters most to you — whether you’re looking for low-cost coverage, a hassle-free repair process, 24/7 assistance, or all of the above.

Our ratings are based on publicly available information about each company, secret shopping online and over the phone, customer-review analysis, and discussions with real estate professionals and repair contractors.

A company can earn a maximum of 100 points across six categories converted to a five-star scale. We researched more than 60 home warranty providers to develop the following formula:

  • Plans and Coverage (24 points): A home warranty provider can earn the maximum point value in this category if it offers multiple robust plans that cover all basic systems and appliances and optional add-on coverage. We give bonus points to companies that cover uncommon items, such as electronics and roof leaks.
  • Affordability (22.5 points): When evaluating costs, we not only consider monthly plan prices, but we also take into account the cost of add-on coverage, service fees, and whether companies offer free cancellation periods or money-back guarantees. If a provider allows potential customers to view sample contracts before getting a quote, that transparency earns more points in this category.
  • Customer Experience (18.5 points): A home warranty company must give its customers ample support when they experience issues. We gauge overall support by looking at customer reviews and conducting homeowner surveys. We also go through the quote process with each company and take meticulous notes about the friendliness of salespeople, how detailed each quote is, and how often the provider contacts us after giving a quote. 
  • Company Reputation (17.5 points): In this category, we look at a combination of customer reviews and reputable organizations such as the Better Business Bureau (BBB). We also consider the years of company experience, how satisfied its employees are, and whether it has been hit with any consumer rights violations or lawsuits. 
  • Claims Process (12.5 points): We score providers highly when they offer short response times, multiple ways to file claims, and around-the-clock availability. Companies can earn bonus points if they have a good reputation for quick and easy claims processing.
  • Availability (5 points): Providers that serve more areas can have experience dealing with a wider range of homeowner headaches. A company earns the maximum points in this category if it offers services in most U.S. states.

We monitor company data on an ongoing basis to keep rankings and information up to date.

Editorial Contributors
avatar for Britt Olizarowicz

Britt Olizarowicz

Britt Olizarowicz is a former real estate agent and landscaping business owner. She has a wide range of experience across several industries and was also a professional golfer. With her experience in investing, renovating, and improving properties Britt loves to share in all of the latest and greatest technologies, systems, and strategies to keep your home and garden looking great.

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Roxanne Downer

Editor

Roxanne Downer is a commerce editor at Today’s Homeowner, where she tackles everything from foundation repair to solar panel installation. She brings more than 15 years of writing and editing experience to bear in her meticulous approach to ensuring accurate, up-to-date, and engaging content. She’s previously edited for outlets including MSN, Architectural Digest, and Better Homes & Gardens. An alumna of the University of Pennsylvania, Roxanne is now an Oklahoma homeowner, DIY enthusiast, and the proud parent of a playful pug.

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