Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated May 2023
Thinking about getting a home warranty? One of our top home warranty providers can help. The cost of maintaining a home in Madison can be costly, particularly as your home ages and your appliances and systems have to be updated.
A home warranty can give you the peace of mind you need about your home and guard your bank account from large expenses by covering your home's major systems and appliances. Although a home warranty can help with your homeowner headaches, one pain point is narrowing down the perfect choice for your Madison home. That's why we've done the research and have put together a guide of the top home warranty companies in Madison.
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty is the best overall home warranty in Madison. The 2 plans from Choice are easy to understand and offer a mix of both system and appliance coverage. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps associated with Choice's plans are around the $3,000 mark for most major systems and appliances, and service fees are an affordable $85.
For more information on this provider, read our full review of Choice Home Warranty. To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
In Madison, Select Home Warranty is the most cost-effective home warranty. When you buy a home warranty from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select offers 3 plans for you to choose from.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Madison area.
Read our comprehensive review of Select Home Warranty to learn more. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
American Home Shield is the most customizable home warranty in Madison. AHS has about 26 years of experience in the industry and in that time has built a impressive network of service technicians nationwide. When you buy a home warranty from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 plans for you to choose from.
American Home Shield has 3 plans that provide a combination of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically around $2,500.
To read more, visit our American Home Shield Review. To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club is the best home warranty with the quickest service for Madison residents. HSC has more than 15 years of experience in the industry and in that time has built a an network of service technicians nationwide. HSC offers 2 plans for homeowners to choose from. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Madison area.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read more by visiting our The Home Service Club Review.
Standard Coverage Plan
Comprehensive Coverage Plan
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
In Madison, Liberty Home Guard offers the most trustworthy home warranty. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, Liberty is the perfect provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 simple plans, making the selection process and policy coverage easily comprehensible.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Liberty's service fees are an affordable $75, and the coverage limits come out to about $3,000 per covered appliance or system.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. To read more, visit our full review of Liberty Home Guard.
Appliance Guard
Systems Guard
Total Home Guard
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty offers the best home warranty for appliance coverage for Madison residents. First American is a home warranty company with 39 years of experience in the industry, and it has become one of the best providers in the business. First American offers 2 plans for you to choose from. First American has established itself as a company with very affordable and comprehensive appliance coverage. It also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. The coverage caps from First American are around $1,500. The service fees are a reasonable $85, which is lower than other providers in the Madison area.
Read more by visiting our thorough review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
In Madison, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has over 44 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The 3 home warranty plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options.
Cinch Home Services has 3 plans that provide a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically about $1,000-$2,000.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read more by visiting our review of Cinch Home Services.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $6,414 |
| Heating | $4,276 |
| Electrical | $641 |
| Toilets | $535 |
| Washer/Dryer | $855 |
| Plumbing | $641 |
| Oven | $1,711 |
| Fridge | $641 |
A home warranty is a protection plan that covers the cost of repairing or replacing major home systems and appliances when they break down over time due to normal wear and tear. Having a home warranty in place can offer you some peace of mind and prevent you from paying unexpected out-of-pocket costs. Most home warranty plans take effect about 30 days after purchasing the home warranty plan.
Filing a claim with your home warranty company is quite straightforward. There will be an online portal system or a direct phone number to request service for a repair or replacement.
At this point, you'll also need to pay your service fee. Once the repair person takes a look at the issue, they will take care of it at no cost to you. The only time you may have to pay out-of-pocket costs is if the repair or replacement is higher than the item's coverage cap.
A home warranty in Madison provides coverage for the main systems and appliances in your home. The appliances usually covered under a home warranty plan are the washing machine, dishwasher, refrigerator, microwave, dryer, oven, and more. System coverage typically includes electrical systems, plumbing, air conditioning, heating, and more.
Many plans also offer add-on coverage options for central vacuums, roof leaks, septic systems, and even locksmiths.
A home warranty will only protect against normal wear and tear that occurs on your home systems and appliances. Things such as lack of maintenance, pre-existing conditions, cosmetic damages, and misuse are not included in the home warranty policy.
Temperatures in Madison can get quite high in the summer, which means your air conditioner is most likely going to get a good bit of use. As a homeowner in Madison, one benefit of having a home warranty is that these home systems and major appliances can be covered if they need to be repaired or replaced.
Not only can a home warranty provide some savings, but it also saves you time. If an appliance breaks, the last thing you want to do is find a repair person and schedule a repair. A home warranty deals with this process by sending trusted professionals to your door when you need them most.
One of the main drawbacks of home warranties is not everything you care about may be covered. It's important to research the different policies and opt for one that covers all the appliances, systems, and add-ons you need.
Another possible pain point of home warranties is that they don't cover items that haven't been properly maintained. This can lead to your claims being rejected, so it's important to make sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Selecting the right home warranty in Madison for your family comes down to the type of coverage you need, the home warranty company you opt for, and your location, among other factors. Before deciding which home warranty to purchase, here are a few other factors to bear in mind:
The best home warranty company in Madison is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced contractors and a tremendous reputation in the Madison area.
Home warranty policies cover problems with systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a different plan that protects the entire home from natural disasters, which might not be too much of a concern in Madison. It doesn't cover a typical appliance or system repairs.
First-time homebuyers, landlords, real estate agents, homeowners, and home sellers can all get home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
A home warranty plan will cover either your home's appliances and systems, or both. Combination plans are great if you need more coverage for your home, but a systems or appliance only plan can be useful too if you want to save some money.
Most home warranty plans will cover replacement costs as well as repair costs. The coverage cap varies from one plan to the next. Your home warranty will give you some money towards a replacement but don't expect to have the entire replacement paid for.
Generally, the homeowner is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who will pay the service fees when using the policy. In Madison, where the median value of a home is $234,450, when the seller includes a home warranty can be a good asset for your new home.
When living in a town like Madison, you may be wondering if problems like natural disasters will be covered under a home warranty policy. Home warranties generally don't cover damage from intentional breakage, natural disasters, or lack of proper maintenance.
