Learn about top Vermont home warranties as we go over the costs, services, and reviews of the state’s top providers. Vermont homeowners will benefit from low crime rates, beautiful season changes, and an 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.

Our Top Pick
Best for Customization
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Coverage Limits
AHS Logo
Limited Time:
40% Off Our Most Popular Plan
Best Customer Ratings
Limited Time:
$150 Off + 1 Month Free
Best Claims Acceptance
choice home warranty logo
Limited Time:
$50 Off + 1 month free!

    The Best Home Warranty Companies in Vermont

    Liberty Home Guard stands out as the best overall home warranty plan in Vermont. With LHG, you’ll find impressive customization options and broad coverage. Although we highly recommend Liberty Home Guard to Vermont homeowners, it’s not your only option. We also suggest getting quotes from the other top companies in our 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.


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


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


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

    Compare the Best Home Warranty Companies in Vermont

    CompanyRatingMonthly CostService FeeResponse TimeBBB RatingLink



    12-48 hrs.


    AHS Logo



    24-72 hrs





    48 hours


    choice home warranty logo



    24-48 hrs.


    select home warranty logo



    24-48 hrs.


    AFC Home Warranty logo



    48 hours


    first american logo



    48 hours





    2–24 hrs





    2–24 hrs



    Quote and cost data gathered January 2023. Cost data are updated and monitored continuously.

    How to Choose the Best Home Warranty in Vermont

    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.

    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.

    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.

    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.

    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 who 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.

    Home Warranty Cost Calculator

    Vermont homeowners can use our home warranty cost calculator to determine the yearly cost of a new home warranty policy. Type in your monthly premium, service fee, and estimated number of service visits, and the tool will output the full annual cost of a new plan.

    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 Vermont

    All home warranty companies in Vermont must be registered with the Vermont Department of Financial Regulation (DFR). Under the law, service contracts are not defined as insurance, and the sellers are not considered insurance agents. Registration means that home warranty companies are responsible for key consumer protections.

    Resources for Vermont Homeowners and Home Buyers

    Our Reviews of the Best Home Warranty Companies in Vermont

    Best for Customization

    Liberty Home Guard


    Our Rating

    Limited Time:
    $200 Off + 2 Months free + Free Roof Leak Coverage

    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.

    • Our Take: Most Trustworthy
    • Average Annual Cost: [$649] – [$749]
    • Response Time: Within 24 hours
    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

    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
    • 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
    Best Coverage Limits

    American Home Shield


    Our Rating

    Limited Time:
    40% Off Our Most Popular Plan

    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.

    • Our Take: Best Customizable Plans
    • 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 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)
    • Pool
    • Spa
    • PC
    • TV (includes home theater system)
    • Well pump coverage
    Best Claims Acceptance

    Choice Home Warranty


    Our Rating

    Limited Time:
    $50 Off + 1 month free!

    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.

    Key Highlights
    • Our Take: Best Overall
    • 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
    No Customization of plan
    30 Day waiting period to start

    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
    • Pool
    • Spa (Can be combined with pool coverage if the equipment is shared)
    • Sump Pump (must be permanently installed)
    • Stand Alone Freezer
    Best Value

    Select Home Warranty


    Our Rating

    Limited Time:
    $150 Off (Code HOUSE25)

    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

    • Our Take: Most Cost-Effective
    • 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 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)
    • Spas
    • Stand-alone freezers
    • Sump pump (must be within the foundation of the home)
    • Well pump
    Best for Additional Benefits

    AFC Home Warranty


    Our Rating

    Limited Time:
    $200 off + free roof leak coverage

    AFC Home Warranty is the top provider for additional benefits in Vermont. AFC offers four plans and several optional add-ons that provide comprehensive coverage for your home systems and appliances. It stands out from its competitors with large coverage caps of $3,000, the freedom to choose your own contractor, transferable coverage, and a lifetime guarantee on all warranty repairs.

    • Our Take: Best Additional Benefits
    • Average Annual Cost: $456 to $576
    • Response Time: 48 hours
    Transferable coverage when you sell your home
    Lifetime guarantee on all warranty repairs
    Four plans with several optional add-ons
    Some basic plumbing coverage is only comes in premium plans
    No emergency service option

    AFC Home Warranty offers four home warranty plans to Vermont homeowners. Homeowners have the option to choose a service call fee of $75, $100, or $125 when they sign their contract. This determines whether they pay a lower or higher monthly premium. 

    Here’s an overview of AFC’s plans and coverage options:

    • Systems plan ($41 to $50 per month): Protects six of you major home systems– heating systems, central AC units, plumbing systems, electrical systems, and ductwork.   
    • Silver plan ($38 to $43 per month): Protects nine common home appliances– oven, refrigerator, garbage disposal, clothes washer, clothes dryer, garage door opener, and dishwasher.
    • Gold plan ($53 to $57 per month): Protects all of the systems and appliances in the Systems and Silver plans, which are 15 items in total. 
    • Platinum plan ($53 to $62 per month): Protects all items in Gold plan and covers built-in microwaves, attic fans, ceiling fans, ice makers, faucets, and valves.

    Along with its four plan options, AFC provides 11 optional add-ons for Vermont homeowners.

    • Limited roof leaks
    • Central vacuum
    • Stand-alone freezer
    • Double oven
    • Septic system
    • Sump pump
    • Well pump
    • Electronic coverage
    • Hot water dispenser
    • In-ground pool
    • In-ground pool and spa

    Home Warranties in Vermont Cities

    Common Home Issues to Consider in Vermont

    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. It is advisable to register with a renowned roof warranty provider to address any issues related to your roof when the need arises.
    • 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 out-of-pocket expenses related to homeownership. The home warranty will require a service call fee to pay for a system or appliance breakdown, 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.

    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 system’s 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.

    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

    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 who don’t have a home warranty in place. Here is the basic process of how a home warranty works.

    1. 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
    2. Wait 10-30 days before the home warranty goes into full effect
    3. 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
    4. Submit a claim with your home warranty provider, typically through the online portal system or by calling the number on your policy documents
    5. Pay the service fee to the home warranty provider so that they will send a service technician to the home
    6. 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
    7. Repair should happen within 24-72 hours; the only thing that typically delays a repair is wait times on parts
    8. 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
    9. All home warranty plans have coverage caps that will limit the total amount of payout in the course of a year

    Home Warranty vs. Homeowners Insurance

    Homeowners insurance is in place to protect your Vermont home from things like a fire, hurricane, or a 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.

    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 preexisting 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 who 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 who 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 who 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.

    Our Top Pick
    Best for Customization
    Limited Time:
    $200 Off + 2 Months free + Free Roof Leak Coverage
    Best Coverage Limits
    AHS Logo
    Limited Time:
    40% Off Our Most Popular Plan
    Best Customer Ratings
    Limited Time:
    $150 Off + 1 Month Free
    Best Claims Acceptance
    choice home warranty logo
    Limited Time:
    $50 Off + 1 month free!

    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, 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.

    More Vermont Resources

    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.

    Learn More

    photo of Roxanne Downer

    Roxanne Downer


    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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