Written By David Cusick
Last Updated February 2024
Being a homeowner in Cranston is a great option for those who like up-and-coming areas. However, as great as Cranston is, homeownership always comes with its fair share of headaches, such as trying to handle your appliance repairs yourself. A home warranty is a way to protect your savings account from unexpected expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
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 top home warranty companies in Cranston. Keep reading for our home warranty 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
In Cranston, Liberty Home Guard is the most trustworthy home warranty. Liberty has been in the home warranty business for around 6 years. The 3 home warranty plans that Liberty offers include options for appliance and system coverage. 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.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For a more detailed breakdown, read our detailed review of Liberty Home Guard.
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
In Cranston, Choice Home Warranty is the best overall home warranty. Choice has been in the home warranty business for around 15 years. The 2 home warranty plans that Choice offers include options for appliance and system coverage. 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For a more detailed breakdown, read our detailed review of Choice Home Warranty.
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 Cranston, Select Home Warranty is the most cost-effective home warranty. Select has been in the home warranty business for around 11 years. The 3 home warranty plans that Select offers include options for appliance and system coverage. 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.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For a more detailed breakdown, read our detailed review of Select Home Warranty.
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
In Cranston, American Home Shield is the most customizable home warranty. AHS has been in the home warranty business for around 26 years. The 3 home warranty plans that AHS offers include options for appliance and system coverage. 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For a more detailed breakdown, read our detailed review of American Home Shield.
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
In Cranston, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has been in the home warranty business for around 44 years. The 3 home warranty plans that Cinch offers include options for appliance and system coverage. 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.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For a more detailed breakdown, read our detailed review of Cinch Home Services.
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
In Cranston, The Home Service Club is the best home warranty with the quickest service. HSC has been in the home warranty business for around 15 years. The 2 home warranty plans that HSC offers include options for appliance and system coverage. 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.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For a more detailed breakdown, read our detailed review of The Home Service Club.
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 | $6,386 |
Heating | $4,258 |
Electrical | $639 |
Toilets | $532 |
Washer/Dryer | $852 |
Plumbing | $639 |
Oven | $1,703 |
Fridge | $639 |
A home warranty is a protection plan that helps Cranston homeowners lower the expenses of appliance and system repairs. The plans offer coverage to repair or replace appliances and systems that stop working due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty provider then finds a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement goes over the item's coverage limit. A home warranty delivers peace of mind for homeowners by helping them prevent expensive emergency repairs. They're particularly useful for those who own older homes or ones with outdated systems. More modern builds with modern fixtures probably don’t need a home warranty.
Home warranties cover your home's systems and appliances. Common covered appliances are microwaves, dryers, washers, dishwashers, garbage disposals, refrigerators, and others. Covered systems include air conditioning, heating, plumbing, and electrical. Many home warranty plans offer extra coverage for septic systems, roof leaks, central vacuums, and even locksmiths. Cranston homeowners should know that most home warranty policies have a 30-day period you must wait before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover problems such as pre-existing conditions, natural disasters, cosmetic issues, or improper use of 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.
Before agreeing to a home warranty contract, you should know key terms like:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty plans differ significantly in terms of coverage. Most plans provide protection for electrical, AC, plumbing, heating, and appliances. More robust plans also offer protection for other items such as spas, roof leaks, pools, and well pumps. Look for providers with a diverse range of coverage options, including upgraded plans. This allows you to customize your plan to your home's needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using providers with more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty provider's rating gives insight into things such as contractor quality, claim approval rates, timeliness of repairs, and overall customer satisfaction. Use third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research companies. Favorable ratings and reviews indicate a provider known for stellar service.
Home warranty companies have networks of technicians to handle covered repairs. Wider networks improve the likelihood of getting qualified technicians to service your home ASAP. Contact potential providers to find out how many contractors they have in Cranston to get a sense of how soon your repairs could be handled in an emergency.
Certain home warranty providers include perks such as discounts on maintenance, protection for smart home devices, and energy-efficient upgrades. These can offer extra value beyond repair coverage. Extra perks can enhance your home and maximize your home warranty.
Home warranty plans are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Cranston reaching an average high of 57℃F, you may find that certain appliances, like your air conditioning unit, get a lot of use. A home warranty can considerably decrease out-of-pocket costs should your HVAC system stop working.
Plus, having a home warranty can save you some time by getting rid of the need to research repair people — most companies will send a trusted professional right to your door to carry out the repair or replacement. Another added benefit of having a home warranty policy is that it can raise your home’s real estate value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you have your home warranty with.
There are also some downsides to purchasing a home warranty plan, such as the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty.
Another drawback is that home warranties may exclude some repairs, like those due to natural disasters. For example, if your house floods, the affected systems and appliances probably won’t be covered by the home warranty.
A home warranty plan costs, on average, around $300 to $600 a year in Cranston. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. Additionally, it's usually cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty helps protect against normal wear and tear to systems and appliances in a home. Homeowners insurance protects the entire home in case of something such as a fire or natural disaster. Under a homeowners insurance plan, you won't be able to file a claim if you need a new washing machine or air conditioner, unless the damage is a result of a natural disaster, which can be a threat in Cranston.
Homebuyers, landlords, homeowners, real estate agents, and home sellers can all get 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 Cranston 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 refrigerator, washing machine, and heating and cooling systems. A plan that only covers appliances or systems will cover only the specific items listed in the policy.
Home warranty plans generally last a year. Many companies let you renew your plan annually, and some offer month-to-month plans as well.
Generally, the homeowner is the one who is responsible for paying the premium and service fees. However, when buying 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 when using the policy. In Cranston, where the median home value is $392,703, having the seller pay for the home warranty can save you some money on your new home.