Vermont homeowners will benefit from low crime rates, beautiful season changes, and affordable overall cost of living. Being a homeowner in Vermont has some great benefits. However, there are always issues that can come up with homes and make them quite stressful to own. Luckily a home warranty policy can help to make Vermont homeownership a bit more enjoyable.
Vermont has some strong weather changes from one season to another. With a Vermont home warranty in place, you can be prepared for both system and appliance issues that occur in your home. In our guide featuring the best home warranty companies in Vermont, we will give you information on how to choose a home warranty, why Vermont homeowners need a home warranty, how to choose the best home warranty, and what home warranty company is the best in Vermont.
Vermont Top 5 Home Warranty Companies
- Choice Home Warranty: Best Overall
- Liberty Home Guard: Most Trustworthy
- Select Home Warranty: Most Cost-Effective Plans
- American Home Shield: Best Customizable Plans
- The Home Service Club: Quickest Service
Quick Comparison of Home Warranty Providers
1. Choice Home Warranty
- Our Take: Best Overall
- Average Annual Cost: [$550] – [$650]
- Response Time: Up to 48 hours
Choice Home Warranty is the best overall home warranty in the state of Vermont. With Choice Home Warranty, you are going to quickly notice how simple their service contract and policy details are. Choice Home Warranty will not turn down your request for a home warranty plan, even if your home is more than 40 years old. CHW has been an option for Vermont homeowners for the last 13 years. With impressive customer service reviews and fair pricing, Choice easily earns the top spot on our list.
Pros and Cons
- Impressive customer service
- Comprehensive plan options that cover both systems and appliances
- 90 Day Repair Guarantee
- No Customization of plan
- 30 Day waiting period to start
Plans and Pricing
There are only two Choice Home Warranty plans to decide between. The unique thing about Choice is that each of these plans is a combo plan that has both system and appliance coverage. The overall coverages offered by Choice are comprehensive and will protect your Vermont home quite well. The add-on options from Choice are great for those that own a pool or a central vacuum system.
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. This plan may be considered the basic version, but it has a great combination of both systems and appliances.
- 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. With the Total Plan, the washer, dryer, and refrigerator are great options for Vermont 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
- 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.
2. Liberty Home Guard
- Our Take: Most Trustworthy
- Average Annual Cost: [$649] – [$749]
- Response Time: Within 24 hours
Liberty Home Guard is the most trustworthy home warranty in the state of Vermont. When you invest in a home warranty, one of the factors to look into is the BBB rating. The Liberty Home Guard features an A rating with the BBB. They have managed to achieve this ranking after just two years in the home warranty industry. Liberty Home Guard quickly attends to issues around the home, and their plans offer an impressive depth of coverage. Homeowners have been pleasantly surprised by the way Liberty Home Guard over-delivers.
Pros and Cons
- BBB rating of an A after a short time in the industry
- Easy to use customer claim portal
- An extensive list of add-on coverages
- No plan customization
- Has only been on the market for a few years
Plans and Pricing
There are three home warranty plans offered by Liberty Home Guard. The plans are a system option, appliance plan, and combo. You will likely notice that the pricing is slightly higher for some of the Liberty Home Guard plans, yet the service fees are low, and the coverage is quite broad. Overall, Liberty Home Guard gives homeowners one of the longest lists of add-on coverages on the market. Everything from locksmiths to gutter cleaning can be added to your home warranty policy.
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. For a plan that just covers appliances, there is still quite a bit of value with the LHG appliance guard.
- 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
- Water softener
- Trash compactor
- Lawn sprinkler system (all mechanical parts)
- Electronics protection
- Swamp cooler
- Ejector pump
- Septic system pumping
- Limited roof leak
- Pest control
- Free-standing ice maker
- Central vacuum
- Stand-alone freezer
- Second refrigerator
- Wine refrigerator
- Well pump
- TV and PC
- 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.
3. Select Home Warranty
- Our Take: Most Cost-Effective
- Average Annual Cost: [$579] – [$650]
- Response Time: Up to 48 hours
Select Home Warranty is the most cost-effective home warranty plan for Vermont. The pricing of the home warranty plan that you choose is incredibly important. The plan has to justify the price that you pay so that you know you are getting great value. Select Home Warranty has been on the market for nearly ten years, and they have learned how to offer great coverage for a fair price. With each Select Home Warranty plan, you will also get free roof leak
Pros and Cons
- 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
Plans and Pricing
There are three Select Home Warranty policies to choose from. When you review the policy choices from Select Home Warranty, you will quickly see that the Platinum Care Plan is the best value. This plan combines the coverage in the other two plan choices, and the overall pricing is just a few dollars more per month. There are also add-on options that you can include in your Vermont policy to make it more comprehensive.
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. For those on a strict budget, both Bronze Care and Gold Care can make a good coverage choice.
- 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. With the Platinum care plan being just a few dollars extra per month, it is the best value from Select Home Warranty.
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)
- 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.
4. American Home Shield
- Our Take: Best Customizable Plans
- Average Annual Cost: [$479] – [$779]
- Response Time: Up to 48 hours
American Home Shield is the most customizable plan in the state of Vermont. If your home has some unique features, the American Home Shield plan will be the best choice available. Being able to add and subtract coverages to precisely fit the needs of your home is a great benefit. American Home Shield has been in the home warranty industry for 50 years. They are one of the leaders in the world of home warranties, and their customer service and plan choices are highly regarded in the industry. Overall, AHS is considered a premium home warranty company.
Pros and Cons
- 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
Plans and Pricing
There are three American Home Shield policies to choose from. In addition, there is plenty of add-on coverage choice as well. If these policies don’t work for you and you want just to build out a plan for your home, you will have the ability to do that with American Home Shield. Be prepared to pay a few dollars more for a plan like this, but in the long run, the plan’s pricing will pay off.
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. ShieldGold is a good mix of system and appliance coverage, even though it leaves out some of the features of ShieldPlatinum.
- 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. If your Vermont home has new or high-end appliances and systems, the higher coverage caps of the ShieldPlatinum will be quite beneficial.
American Home Shield also offers several add-on coverages for homeowners to consider.
- Septic system (first-year customers only, nonrenewable)
- 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.
5. The Home Service Club
- Our Take: Quickest Service
- Average Annual Cost: [$600] – [$756]
- Response Time: Within 24 hours
The Home Service Club has the quickest coverage of any home warranty provider in Vermont. Homeowners in Vermont typically have to wait about 30 days before their home warranty plan goes into full effect. With The Home Service Club, you will have full coverage after just ten days. Homeowners that are in the middle of a real estate transaction tend to like this coverage because it starts quickly. With the coverage options from The Home Service Club, expect a large number of covered systems and appliances.
Pros and Cons
- 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
Plans and Pricing
There are two plans that The Home Service Club offers for Vermont homeowners. If you are concerned about the costs of home protection, the Comprehensive Coverage plan is the best overall choice. The Home Service Club has service fees that are customizable and can range from $65 to $125. In addition, the coverage caps from The Home Service Club will be around $2500 for most systems and appliances. This is a bit higher than other protection plans on the market.
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. There is not a very large difference in price between the Standard Coverage and Comprehensive Coverage, so it makes sense to consider this plan for total home protection.
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
- 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 Vermont Cities
How Much Does a Home Warranty in Vermont Cost?
The average cost of a home warranty plan in Vermont is right around $800. This is, of course, going to be a bit more expensive for those that have a large home than it will be for those with a condo or townhome. Optional coverage for the home warranty will also increase the costs. Choosing service providers with a customizable service fee can also save you quite a bit of money. The policy can be set up to fit within the needs of your budget.
Compare the Best Home Warranty Companies in Vermont
|Home Warranty Company||Choice Home Warranty||Liberty Home Guard||Select Home Warranty||American Home Shield||The Home Service Club|
|Best For||Best Overall||Most Trustworthy||Most Cost Effective||Best Customizable Plans||Quickest Service|
|Annual Limit||Up to $3000 per covered item||Up to $2000 per covered item||Up to $2000 per covered item||Up to $6000 per covered item||Up to $2500 per covered item|
|Average Response Time||Up to 48 hours||Within 24 hours||Up to 48 hours||Up to 48 hours||Within 24 hours|
|State Availability||Excludes WA||Excludes WA & WI||Excludes NY, NV, WA, WI||Excludes AK||Available in All States|
|Online Chat / Mobile App||No||Yes||No||Yes||Yes|
|Quote||Get Quote||Get Quote||Get Quote||Get Quote||Get Quote|
Hopefully, you are now ready to get your home warranty coverage started. Vermont homeowners are lucky to have the great options they have access to. Choice Home Warranty stands out as the best overall home warranty plan in Vermont. With Choice, you will be impressed with the coverage choices and affordability. In addition, the age of your home is not going to impact your ability to qualify for Choice Home Warranty. Take the time to get a few quotes for your home warranty insurance so that you end up with a plan that works for your needs specifically.
How to Choose the Best Home Warranty in Vermont
At this point, you should feel a bit more confident about choosing a home warranty for your Vermont home. The options on the market are pretty impressive, but it can sometimes be challenging to narrow down to just one plan. Luckily there are some specifics that you can use to compare one policy to another. Three of the things that we would consider include coverage limits, service fees, and cancellation policies.
- Coverage Limits: Each covered item of a plan has a coverage limit. The limits can range in price from $500 to $3000 per covered item. These coverage limits will impact the value that you get from your plan. For Vermont homeowners with high-end appliances and systems, choose a plan with higher coverage limits.
- Service Fees: The service fees associated with your home warranty policy can range in price from $60 to $150. The lower-priced service fees help to make a policy more affordable overall.
- Cancellation Policies: Most home warranty plans will give you the first 30 days to cancel for free. After that, the cancellation fees tend to increase quite a bit. Pay attention to the cancellation policies associated with the plan if you are unsure about the home warranty coverage you are choosing.
Although Vermont is one of the more beautiful places to live, there are still home maintenance problems that can impact your home. The winters in Vermont are cold and wet, and it can lead to issues with many of your home systems and appliances. Three of the top home maintenance problems in Vermont include roof leaks, heating systems, and water heaters.
- Roof Leak: Roof leak coverage in Vermont is essential because of the snow that can sit on a roof and cause issues inside the home. Roof leaks tend to destroy other systems and appliances, and they need to be handled quickly. It can be hard to find a contractor willing to come and work on one small leak, but a home warranty company will handle this for you.
- Heating System: The Vermont winters are cold enough that you will need to have a functional heating system in place. The heating system is typically quite costly to repair. Technicians will charge hundreds of dollars just to come and inspect the issues with the heating system. With a home warranty in place, the service fee will be the only associated cost.
- Water Heater: Water heaters only have a limited lifespan. When the water heater reaches the end of its useable life, expensive repair and replacement-related costs are involved. The home warranty plan helps to keep the water heater from depleting your savings account.
What is a Home Warranty?
A home warranty is a protection plan for home systems and appliances that will give homeowners peace of mind about the out of pockets expenses related to homeownership. The home warranty will require a service call fee to pay for a system or appliance break down, but these are typically priced between $65 and $100. The home warranty plan covers home appliances as well as home systems. Most home warranty providers will allow you to view a sample contract before putting your home warranty coverage in place. Home warranty plans and homeowners insurance are not the same things.
Home Warranty vs. Homeowners Insurance
Homeowners insurance is in place to protect your Vermont home from things like a fire or a hurricane, or tornado. With a home warranty, you will have protection from your dishwasher or plumbing system breaking down. The homeowner’s insurance can sometimes be a mandatory policy, and it helps to take large expenses off the table. The home warranty is a way to ensure both home systems and appliances, the things that we use on a daily basis, are adequately protected.
How Does a Home Warranty in Vermont Work?
A home warranty in Vermont will vary a bit from one provider to another. However, for the most part, the home warranty will be relatively simple to use. Once you learn how to submit a claim and the expected wait times for a repair, the rest is very easy. Home warranties in Vermont will allow homeowners much faster service than those that don’t have a home warranty in place. Here is the basic process of how a home warranty works.
- Find a home warranty plan that meets the needs of your Vermont home while also keeping your budget in mind; look for as much coverage as possible for the price
- Wait the 10-30 days before the home warranty will go into full effect
- 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; always be aware of exclusions
- Submit a claim with your home warranty provider, typically through the online portal system or by calling the number on your policy documents
- Pay the service fee to the home warranty provider so that they will send a service technician to the home
- 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
- 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 at the time of the second repair
- All home warranty plans have coverage caps that will limit the total amount of payout in the course of a year
What does a Home Warranty Cover?
The three main categories of coverage for a home warranty are systems, appliances, and add-on coverages. The appliances that are typically covered under the home warranty plan include things in your kitchen like the refrigerator and stove and the laundry room appliances as well. Appliance-only plans are typically the lowest-cost plans.
The systems coverage is another option from a home warranty provider, and this includes things like the electrical system, plumbing system, and even the HVAC. Add-on coverages can be included with most home warranty plans for things like swimming pools, spas, and even septic systems. The add-on coverages are going to have extra costs that are not seen in the monthly service contract.
Home warranty plans will only cover normal wear. If there is an issue at your home caused by anything other than normal wear, chances are your home warranty will not cover the issue.
What is Not Covered by a Home Warranty?
Home warranty plans will protect against normal wear only. If you have a pre-existing condition with one of your home appliances or systems, then the home warranty is not an option when it comes to coverage. The home warranty plan is not an excuse to stop working on your home and taking care of systems and appliances. Always take great care of your home, and you will experience very few claim denials.
Here are a few of the things that are not covered by a home warranty plan:
- Cosmetic issues
- Pre-existing conditions
- Natural disasters
- Lack of maintenance and upkeep
- Intentional breakage
- Misuse of a system or appliance
Biggest Complaints about Home Warranty Companies in Vermont
Most homeowners in Vermont are happy with the service and value they receive from a home warranty. However, there are times when issues come up, and customers will find it very frustrating. Three of the main problems that homeowners in Vermont have is claim denial, failed repairs, and increasing costs.
- Claim Denial: not all of your home warranty claims are going to be approved. If it is discovered that you had a pre-existing issue, or you simply have not been maintaining your home systems and appliances, then the home warranty claim will likely be denied. Take a look at all of the reasons why home warranty claims get denied so you can avoid this happening.
- Failed Repair: most of the technicians that come to fix your home systems and appliances are highly qualified. However, there are some issues that are very difficult to fix. A failed repair can typically be fixed by a service technician that comes out more than once, but be prepared to pay a secondary service fee if you are outside the original workmanship guarantee.
- Increasing Costs: Sometimes, a home warranty policy will increase after a year. This is frustrating but typically determined by industry trends that you will have no control over. Although it is great to stay with the same company, if you experience a large price increase, you may want to shop around a bit to ensure you have the best pricing for your Vermont home warranty.
Are home warranties worth it?
Home warranty plans are worth it for Vermont homeowners. If you are living in fear that the next home system or appliance breakdown could cost you hundreds or thousands of dollars, then the home warranty is a perfect option for you. Home warranty plans offer more than just cost savings; they offer peace of mind and time savings.
When your HVAC goes down in the middle of the summer, finding a technician that will even come and inspect it is a challenge. The repair and inspection costs could easily run you more than $500. With a home warranty in place, you will only pay the service fee, which is typically around $75. Home warranty plans help homeowners budget and to be prepared for anything.
Most Vermont homeowners find that it takes just one or two repairs a year to fully justify the costs of a home warranty. As a homeowner, you know that there are years when just one or two repairs would be wonderful. For those times when you have five or even six repairs, your home warranty plan could save you thousands.
FAQs About Vermont Home Warranties
How much does a home warranty cost in Vermont?
Vermont home warranties can cost anywhere from $35 to $75 per month. These policies will also have service fees associated with them that will impact the overall pricing of the plan. Home warranties increase in price as you add more coverage. If you are on a budget, you can choose a plan with limited covered items, and it will help you save money.
What is a service fee?
The service fee is the price you pay when you need to repair one of your covered items. Service fees range in price from $60 to $150, and many people call them a deductible on the policy.
What is the best home warranty company in Vermont?
The best home warranty in Vermont is Choice Home Warranty. Choice is a 13-year veteran in the industry that offers fair plans and reasonable pricing. The Choice Home Warranty is an excellent option for those new to the world of home warranties and who want to get started with a straightforward company to deal with.
Is a home warranty worth it?
Typically homeowners find that it takes one or two repairs around the home to see the plan cover itself. If your HVAC needs a $500 part, you will quickly see how important it is to have this home warranty in place; in addition, home warranties give homeowners peace of mind about the status and condition of their property.
Today's Homeowner Home Warranty Ranking Methodology
At Today's Homeowner, transparency and trust are our most important values for the reader.
To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.
We developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria. We used a five-point scale with a point index ranging from 0.00 to 1.00. The minimum awardable value is 0.0, whereas 1.00 is the maximum. These numeric points are translated into star ratings, using whole star increments between one and five.
Here is a quick breakdown of our five core scoring categories:
- Coverage (0.4): This category evaluates the scope of protection offered by a home warranty provider. We clearly distinguished between limited or broad coverage to help homeowners identify their own home protection needs. We also factor in claim turnaround times, average waiting period lengths, plan types, annual coverage limits, policy exclusions, etc.
- Cost (0.3): This category considers what home warranty companies charge homeowners monthly, annual, and out-of-pocket. We urge homeowners also to consider the cost-to-value ratio of a home warranty plan.
- Transparency and Trustworthiness (0.15): This category evaluates home warranty providers based on pending or past legal action, hidden fees, lack of information readily available on the website, exclusions, and more. We consider how upfront a company is to its potential policyholders, which says a lot about its products and services.
- Customer Support and Satisfaction (.09): This category evaluates the efficacy of a home warranty company’s effort to provide supportive guidance to inquiring customers and how policyholders are satisfied with the assistance they receive.
- Customization (.06): This category evaluates the ability of homeowners to adjust and choose their policy details, such as pricing variation, optional add-ons, and the number of plans available.