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Last Updated: February 25, 2025
With hot summers and cool winters, keeping your home appliances and systems — specifically your HVAC — in working order is extremely important for homeowners in Madison. A home warranty in Madison can help lower your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that break down due to normal wear and tear.
Finding the best protection for your home can be difficult, so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Madison. Read on for our top provider recommendations.
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
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty in Madison. Liberty has over 6 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also 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 plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage limits come out to around $3,000 per covered system or appliance.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. To read more, visit our Liberty Home Guard Review.
Appliance Guard
Systems Guard
Total Home Guard
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. Choice has over 15 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 simple plans, making the selection process and policy coverage easily comprehensible.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage limits come out to around $3,000 per covered system or appliance.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. To read more, visit our Choice Home Warranty Review.
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
Select Home Warranty is the most cost-effective home warranty in Madison. Select has over 11 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 simple plans, making the selection process and policy coverage easily comprehensible.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage limits come out to around $2,000 per covered system or appliance.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. To read more, visit our Select Home Warranty Review.
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 over 26 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 simple plans, making the selection process and policy coverage easily comprehensible.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to around $2,500 per covered system or appliance.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. To read more, visit our American Home Shield Review.
ShieldSilver
ShieldGold
ShieldPlatinum
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
Cinch Home Services is the home warranty with the best workmanship guarantee in Madison. Cinch has over 44 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process and policy coverage easily comprehensible.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to around $1,000-$2,000 per covered system or appliance.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. To read more, visit our Cinch Home Services Review.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
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 in Madison. HSC has over 15 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 simple plans, making the selection process and policy coverage easily comprehensible.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 per covered system or appliance.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. To read more, visit our The Home Service Club Review.
Standard Coverage Plan
Comprehensive Coverage 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 | $7,581 |
| Heating | $5,054 |
| Electrical | $758 |
| Toilets | $632 |
| Washer/Dryer | $1,011 |
| Plumbing | $758 |
| Oven | $2,022 |
| Fridge | $758 |
A home warranty is a protection policy that helps Madison homeowners in reducing the costs of appliance and system repairs. The plans offer financial coverage to swap out or fix appliances and systems that malfunction due to normal wear and tear. When something breaks down, you file a claim and pay a service fee. The home warranty company then arranges a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent costly emergency repairs. Home warranties are particularly useful for older houses or those with aging systems. New homes with modern appliances might not need a home warranty.
Home warranties safeguard both your home systems and appliances. Common appliances covered under a home warranty include dishwashers, garbage disposals, microwaves, washers, refrigerators, dryers, and others. Covered systems include electrical, plumbing, air conditioning, and heating. Many home warranties also offer add-on coverage options for locksmiths, central vacuums, septic systems, and even roof leaks. It's important for Madison homeowners to know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, most policies only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover things like natural disasters, pre-existing conditions, cosmetic issues, or damage caused by improperly using a system or appliance. You need to keep up with preventative maintenance to help ensure that your next repair or replacement will be covered by the policy.
There are a number of home warranty terms to learn before signing an agreement, including:
There are several key factors to consider when choosing a home warranty provider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans cover AC, heating, electrical, plumbing, and appliances. More robust coverage options also include protection for other items such as spas, roof leaks, pools, and well pumps. Look for providers with flexible coverage choices, including upgraded plans. This helps you customize your plan to your home's needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which gets paid per claim you submit. The costs from multiple fees can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some firms also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty company's track record gives you insight into things such as contractor quality, claim approval rates, timeliness of repairs, and overall customer satisfaction. Look at third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research companies. Complimentary ratings and reviews indicate a company known for stellar service.
Home warranty companies use networks of local repair professionals to manage repairs in a given area. Contact potential providers to ask how many repair specialists they have in Madison and get an idea of how quickly your repairs could be handled in an emergency. Larger networks improve the probability of getting qualified contractors to quickly service your home.
Home warranty companies often offer bonuses such as energy efficiency upgrades, maintenance discounts, and coverage for smart home devices. These can add value beyond basic repair coverage. Additional perks help maximize the usefulness of the home warranty.
Temperatures in Madison can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a good bit of use. As a homeowner in Madison, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered if they need to be repaired or replaced.
As well as saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the pain of trying to find a qualified repair person to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair problems you may experience. Another good thing about having a home warranty is while selling your home, some providers let you transfer your home warranty policy to the new owners. This can make your home more attractive to potential homebuyers and may help your house sell faster.
As for the disadvantages of home warranties, coverage varies by company, so it’s important to read what each policy covers and doesn’t include in the contract.
Another drawback is that home warranties may not include some repairs, such as those needed because of natural disasters. For example, if your house floods, the affected systems and appliances most likely won’t be covered by the home warranty.
A home warranty plan costs, on average, around $300 to $600 a year in Madison. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by opting for a higher service fee. Additionally, it's usually cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty plans cover issues with systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger plan that protects your entire home from natural disasters, which might not be too much of a concern in Madison. It doesn't cover a normal appliance or system breakage.
First-time homebuyers, landlords, home sellers, real estate agents, and homeowners are all eligible for home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
The different types of home warranties in Madison include plans that cover either appliances or systems as well as combination plans. A combination plan covers many of your systems and appliances, including your washing machine, drier, and plumbing. An appliance or system plan will cover only the items listed in the policy.
Generally, a home warranty offers coverage for a year and can be renewed annually. Some companies may offer month-to-month plans.
Typically, the homeowner is the one who is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who will pay the service fees. In Madison, where the median value of a home is $909,899, having the seller pay for the home warranty can save you some money on your new home.
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