Best overall
Liberty Home Guard
4.5
1,566 reviews
- Plans available
- 3
- Monthly premium range
- $49.99 to $59.99
- Service fees
- $50 to $125
- Labor guarantee
- 60-day workmanship warranty
Best Home Warranty Companies in Rhode Island
- Best overall
Liberty Home Guard4.5(1,566) - Value
American Home Shield3.7(110,339) - Roof coverage
Select Home Warranty3.6(16,160)
By:
Alina Bradford
+2 more
Edited by:
Cassidy McCants
Fact-checked by:
Jon Bortin
Best Home Warranty Companies in Rhode Island
Liberty Home Guard is the best home warranty company in Rhode Island because it makes it easier to tailor coverage to older homes. Rhode Island winters put heating equipment under real strain, so having predictable coverage for breakdowns can help you avoid a large, unexpected bill during the coldest months.
A home warranty can also help protect day-to-day essentials, such as dishwashers, ovens and dryers. In Rhode Island, plans typically cost from $49.17 to $131.99 per month, depending on the provider and plan.
Why trust ConsumerAffairs?
- Our recommendations are based on what reviewers say.
- 4,858,738 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Liberty Home Guard is our top pick for Rhode Island because it combines broad core coverage with unusually strong add-on flexibility — helpful for older, nonstandard homes.
Jump to insightRhode Island homeowners pay an average of $87.13 per month for a home warranty, with annual quotes ranging from $590 to $1,585 depending on the provider and plan.
Jump to insightPrioritize robust heating coverage and read contracts closely for exclusions tied to age, corrosion or unusual equipment.
Jump to insightOur 4 home warranty company picks in Rhode Island
- Best overall: Liberty Home Guard
- Best value: American Home Shield
- Best roof coverage: Select Home Warranty
- Best for quick service: Choice Home Warranty
Our research team vetted home warranty companies that are rated by hundreds of customers in Rhode Island. Read our guide to choose the best home warranty in Rhode Island for you by comparing plans, contract lengths and service fees.
Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us, but this does not affect our recommendations or evaluations.
Compare home warranty companies
| Company | Customer rating | Our pick for | Monthly starting cost | Service fee(s) | |
|---|---|---|---|---|---|
 Liberty Home Guard | Get a Quote | 4.5
1,566 reviews
1,566 reviews
| Best overall | $49.99 | $50 to $125 |
 American Home Shield | Get a Quote | 3.7
110,339 reviews
110,339 reviews
| Value | $29.99 | $100 or $125 |
 Select Home Warranty | Get a Quote | 3.6
16,160 reviews
16,160 reviews
| Roof coverage | $60.42 | $75 to $100 |
 Choice Home Warranty | Get a Quote | 4.0
74,679 reviews
74,679 reviews
| Quick service | $46.83 | $100 |
Our 4 Rhode Island home warranty company picks
Learn more about our top picks for the best home warranty companies, based on real, recent reviews from customers in Rhode Island on ConsumerAffairs.
Best value
American Home Shield
3.7
110,339 reviews
- Plans available
- ShieldSilver, ShieldGold and ShieldPlatinum
- Monthly premium range
- $29.99 to $89.99
- Service fees
- $100 or $125
- Labor guarantee
- 30 days
Best roof coverage
Select Home Warranty
3.6
16,160 reviews
- Plans available
- Bronze Care, Gold Care and Platinum Care
- Monthly premium range
- $60.42 to $63.75
- Service fees
- $75 to $100
- Labor guarantee
- 180 days
Best for quick service
Choice Home Warranty
4.0
74,679 reviews
- Plans available
- Basic and Total
- Monthly premium range
- $46.83 to $54.75
- Service fees
- $100
- Labor guarantee
- 60 days
Home Warranties in Rhode Island Buyers Guide
Jump into our guides and start learning
In this guide
Rhode Island's coastal climate and older housing stock create unique repair challenges. A home warranty helps protect against the high cost of replacing aging appliances and essential systems.
When choosing a plan in Rhode Island, focus on strong heating and plumbing coverage. Also, make sure you have protection for the impacts of coastal weather.
Jump to insightExpect to pay roughly $87.13 per month for coverage in Rhode Island. Annual premiums span from $590 to $1,585, with per-claim service fees ranging from $75 to $150.
Jump to insightYou can add coverage for things like well pumps and septic systems for an extra cost.
Jump to insightHow to choose a home warranty in Rhode Island
To get the right home warranty in Rhode Island, start by identifying what your home needs most. Compare plan features, read sample contracts and check customer reviews for real experiences. This step-by-step guide simplifies the process:
1. Decide what coverage you need
Decide if you want protection for appliances, systems or both. If your heating, plumbing or electrical systems are older, prioritize a plan that covers those. For homes with aging washers, dryers or refrigerators, appliance coverage may be more important.
Rhode Island homes, many of which are historic, need warranties that don't exclude older pipes or boilers. Look for balanced coverage that addresses winter heating and summer air conditioning. If your house has a basement, add sump pump protection.
2. Compare costs
Don't just look at the monthly premium. Consider how much you'll pay per service visit, as service fees quickly add up, especially in older homes that may need frequent repairs.
Given Rhode Island's high labor costs and older properties, a lower service fee can mean substantial annual savings on technician visits.
Check coverage caps to see how much the company will actually pay if you need a big repair. Review the price of add-ons, like roof leak or second refrigerator coverage, since these affect your total cost.
3. Review sample contracts
Before you decide, download and read the sample contract from each provider. These documents explain what's covered, what's excluded and how the claims process works.
Look closely at any restrictions for older systems, especially boilers and cast-iron pipes. If you're near the coast, pay special attention to corrosion exclusions and details of sump pump coverage. Reading the sample contract closely can save you from nasty surprises later, especially around exclusions and what a company considers “covered.”
Britnee in Warwick ran into exactly that kind of fine-print issue, sharing, “They denied the claim as ‘system not covered by terms of service’ ... ‘only cover toilets that use gravity and not a motor’ and since it wasn’t a standard toilet it wasn’t covered.”
» MORE: Questions to ask a home warranty company
4. Read customer reviews
Online reviews show how companies handle claims, the quality of technicians and how transparent pricing is. Look for reviews from Southern New England homeowners who have experience with older systems and plumbing issues.
Reviews that highlight efficient claims and knowledgeable technicians suggest a company is reliable. Complaints about delays or hidden costs can be red flags.
For instance, Steff from Providence had a bad experience with a delayed claim. "40 minutes hold time while she went to research the claim. Was on hold so long, the Survey questions came on asking to rate the Customer Service."
How much does a home warranty cost in Rhode Island?
A home warranty in Rhode Island costs $87.13 per month on average. Home warranty premiums generally range from $49.17 to $131.99 per month, depending on the plan. The average cost of a home warranty in Rhode Island is 28.8% higher than the national average.
Cost range by home warranty provider
We received quotes for each of our top picks in Rhode Island for a three-bed, two-bath home in Providence.
| Provider | Monthly premium range* | Service call fee |
 | $54.99 to $64.99 | $65 to $125 |
 | $69.99 to $129.99 | $100 or $125 |
 | $60.42 to $63.75 | $75 to $100 |
 | $46.83 to $54.75 | $100 |
| $54.99 to $64.99 | $65 to $125 |
| $69.99 to $129.99 | $100 or $125 |
| $60.42 to $63.75 | $75 to $100 |
| $46.83 to $54.75 | $100 |
*Data updated January 2026
Monthly or annual premiums
Most home warranty companies offer both monthly and annual payment options. Paying annually can often get you a discount, but monthly payments help spread out the cost.
Service call fees
Every time you request a repair, you pay a service call fee, similar to a deductible. These fees typically range from $50 to $150 in Rhode Island, so factor them into your yearly budget.
Add-on coverage
Providers let you customize your plan with extra protection, such as for a sump pump, pool or additional appliances. Add-ons generally cost $2 to $25 a month per item.
Other home warranty cost factors
What you pay is influenced by:
- Home size and type: Larger or older homes generally mean higher premiums.
- Level of coverage: Basic plans cost less, but comprehensive options cover more.
- Location: Rhode Island's older homes and high labor costs may push premiums higher than in other states.
- Discounts: Look for discounts on multi-year or annual plans.
Example: total annual home warranty costs
- Appliances and cooling plan ($45 per month): $540 per year
- Add-on for pool equipment ($18 per month): $216 per year
- Two claims ($80 service fee): $160
- Total: $916 per year
What does a Rhode Island home warranty cover?
In Rhode Island, home warranty plans are available for appliances, home systems or a combination of both.
Appliance coverage usually includes refrigerators, washers, dryers, dishwashers and other kitchen equipment. Systems coverage focuses on critical heating, plumbing, electrical and hot water systems — all essential for New England's weather. Combination plans offer the broadest protection.
Many providers also allow add-ons for things like roof leaks (especially important near the coast) and septic systems, which are common outside city centers.
Reviewers' experience filing home warranty claims in Rhode Island
Phyllis in Warren went in skeptical, wondering if a warranty would really beat a random big repair bill. “I was unsure if these Home Warranty programs were scams or actual services.” She filed two claims in one day, and once a pro accepted the job, both items were fixed, leaving her ready to renew.
Key takeaway: Filing claims can work, even if scheduling takes time
Christine in North Providence expected the usual smooth process, but the claim step turned into a loop. She says, “I had to keep repeating myself” because key details were not entered the first time. By the time the wrong item arrived and she had to return it, the delay felt unnecessary, even though she still likes the company.
Key takeaway: A sloppy claim intake can cause delays
Britnee in Warwick paid for nearly a year, then her first claim became a coverage fight. Her provider denied the toilet motor repair as “system not covered by terms of service” and insisted “they only cover toilets that use gravity and not a motor.” She pushed back on the wording, but the answer stayed no.
Key takeaway: Read the fine print to ensure everything you want covered actually is
How much can you save with a Rhode Island home warranty?
How much you save depends on your actual repair needs, but just one major breakdown can more than pay for the plan. The Consumer Financial Protection Bureau recommends saving 1% to 3% of your home's value each year for repairs, but a warranty often costs much less.
Suelsumuel from Warwick told us why they felt a home warranty was worth having. "It is very important to have protection in our home even if we have money. Sometimes something might happen in a situation and we might not have the money."
Average repair/replacement costs for covered items
In a state like Rhode Island, where some of the nation's oldest homes face cold, wet winters, aging HVAC, plumbing, and electrical systems are under constant stress, making the potential for costly repairs high. Here's what you'll pay for the most common repairs and replacements in Rhode Island without a home warranty:
| Item or system | Typical repair cost | Typical replacement cost | Included in basic coverage? |
|---|---|---|---|
| HVAC (furnace/AC) | $130 to $530 | $3,000 to $5,000+ | Yes |
| Plumbing (main line, frozen pipes) | $150 to $800 | $1,500 to $4,000+ | Yes |
| Electrical (panel, wiring) | $150 to $500 | $2,000 to $4,500+ | Yes |
FAQ
How does a home warranty work?
A home warranty is essentially a service contract that covers home systems and appliances. You pay a monthly or annual fee, plus a service fee for each issue. When something fails, you file a claim, a contractor is sent to your home and the company pays for covered repairs or replacements, up to plan limits.
Is a home warranty worth it in Rhode Island?
A home warranty is very often worth it if you want to avoid major out-of-pocket costs for repair or replacement. For Rhode Island’s older homes, one major boiler or sewer repair can easily exceed several years’ worth of warranty costs.
What does a home warranty not cover?
Most home warranty contracts exclude preexisting issues, cosmetic problems and items still under the manufacturer’s warranty. Some repairs might be partially covered — check your contract for payout limits. Maintenance, outdoor features and structural items are also not included.
A home warranty in Rhode Island will not cover damage from flooding or storm surge, a key risk for coastal properties. That type of damage is a claim for your flood or homeowner's insurance policy.
What’s the difference between a home warranty and homeowners insurance?
Home warranties and home insurance policies are two distinct forms of protection. Homeowners insurance is required by mortgage lenders and covers damage to your home and belongings due to events like fires, storms or theft.
A home warranty, on the other hand, is optional and covers repairs or replacements for appliances and systems that break down due to normal wear and tear.
Methodology
The ConsumerAffairs Research Team used a data-backed process informed by expert editorial judgment and verified customer reviews. We started with home warranty companies available in Rhode Island, then evaluated which performed best for local residents.
Here's how we scored each company:
- Code updates and modifications (40%): Rhode Island's historic housing stock often requires expensive code upgrades during standard mechanical replacements. We scored companies that include significant coverage for code violations and permits ($1,000 or higher) much higher than providers that strictly exclude these costs, which often leaves homeowners with large out-of-pocket bills.
- Local satisfaction rate (35%): Reviews from real customers in Rhode Island are worth more than a company's nationwide reputation. If a company has a poor technician network locally or frequently denies Rhode Island homeowners' most frequent complaints, we capture that in our review analysis.
- Cost (10%): To compare apples to apples, we looked at the lowest-priced comprehensive plan each company offers in Rhode Island. We also considered the lowest service fees each company offers.
- National satisfaction rate (10%): To get a broader picture of how each company performs in specific aspects, we looked at national reviews. In this way, we could see who, overall, has the highest ratings for these seven satisfaction drivers:
- Technician quality
- Customer service
- Claims handling
- Punctuality and speed
- Coverage
- Value
- Refunds and payouts
- Additional benefits (5%): We rounded out our analysis by considering how many plans and service fee options each company offers (flexibility), labor guarantees and the availability of extra benefits like roof leak repair coverage and HVAC tuneups.
Note: Each superlative emphasizes certain factors more than others. For example, the "Best value" superlative weights cost at 20%, while "Best claims handling" gives more weight to reviews that mention the claims process and customer service.
Guide sources
ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this guide include:
- State of Rhode Island General Assembly, "2023 Rhode Island General Laws Title 6 - Commercial Law – General Regulatory Provisions Chapter 6-57 - Consumer Service Contracts Section 6-57-2. - Service contracts". Accessed Feb. 10, 2026.
Thanks for subscribing.
You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.
Compare top Rhode Island home warranty companies
| Company | Customer rating | About | Learn More |
|---|---|---|---|
|
Liberty Home Guard
| 4.5
1,566 reviews
| Coverage starts at $1 a day. Customizable plans. Extensive technician network. Additional property discounts. Set per-claim fees. 60-day workmanship guarantee. Offers month-to-month coverage and longer-term plans. | Get a Quote |
|
American Home Shield
| 3.7
110,339 reviews
| Three home warranty plans in 48 states. Unavailable in Alaska or Hawaii. Plans start at $29.99/month with a $125 service fee. No coverage limits on systems; up to $6,000 on appliances. | Get a Quote |
|
Select Home Warranty
| 3.6
16,160 reviews
| Appliance, system and combination plans available. Plans start at around $60 a month. Roof coverage included for some plans. Special promotions include free extra months on your contract and annual pay discounts. | Get a Quote |
|
Choice Home Warranty
| 4.0
74,679 reviews
| Offers two plans with basic or comprehensive coverage. Plans start at $46.67 per month with an $85 service call fee. Optional coverage for limited roof leaks, pools and spas available. Make a claim online 24/7. | Get a Quote |
Prestige Home Guard
| 4.6
9 reviews
| Home warranty plans starting at $29.99/month with $100 service fee. Available throughout the U.S. Fast claims processing. Contractor network to complete repairs. $5,000 coverage limit on most items. | Read reviews |
HomeSafe
| 4.3
520 reviews
| Customizes home warranty plans in most states. Plans start 20 days after signing. Offers ability to choose own licensed service technician. Can submit claims via phone or online. Does not cover roof leaks. | Get a Quote |
ARW Home
| 4.4
2,842 reviews
| Flexible and affordable plans for home systems and appliances. Add-on coverage for water/sewer and electronics. 15,000+ local licensed technicians serve nationwide. File a claim and request service 24/7/365 online or by phone. | Get a Quote |
Cinch Home Services
| 4.1
12,353 reviews
| Offers system, appliance and combination home warranty plans. Service fees start at $100. Monthly fees range from $34.99 to $61.99. All work backed by a 180-day guarantee. Not available in all states. | Read reviews |
Regency Total Warranty
| 3.9
1,094 reviews
| Multiple home warranty plans. Coverage for home systems and appliances. Optional add-on coverage. Online and phone claim filing. Pricing starts at $39.99 per month. Discounted rate for annual payment. Available nationwide. | Read reviews |
First Premier Home Warranty
| 1.8
641 reviews
| Provides appliance and systems warranty coverage. Available throughout the U.S. Customizable plans. Submit claims online or by phone anytime. Technicians arrive in 24 to 48 hours. Portable warranty plans. | Get a Quote |
HomeServe
| 1.6
2,088 reviews
| A la carte options for customized coverage. Local, licensed technicians complete repairs. Guarantees repairs for one year. 24/7 claims hotline. Appliance coverage is available. Plans start at $7.99 a month. | Read reviews |
ServicePlus Home Warranty
| 1.3
1,954 reviews
| Offers two plans covering select systems and appliances. Costs start at $87.42, with a standard service call fee of $75. Coverage options vary by location. Add-on coverage is also available. | Read reviews |
GE Service Contracts
| 1.3
340 reviews
| Offers in-home service for repairs of qualifying appliances. The Service Protection Advantage plan, which provides extended warranties for any GE appliances, is provided through Assurant, Inc. | Read reviews |
America's Preferred Home Warranty
| 1.4
14 reviews
| Serves all of the United States except California. Offers 24/7 365 access to customer service. Service calls have a $50 or $100 deductible. Options to choose a local contractor or technician. | Read reviews |
Sears Home Services
| 1.1
423 reviews
| Technicians have an average of 10 years of experience. Available in all 50 states. 25% discount on noncovered appliances and HVAC repairs. Covers systems and appliances regardless of age, make or model. 30-day wait for repairs. | Read reviews |
2-10 Home Buyers Warranty
| 1.2
6,740 reviews
| Offers simple home warranty plans. Pricing is about average. Plan choice is straightforward. Optional add-ons allow for plan customization. Plan agreements are easy to understand. Claims are handled by an online portal. | Read reviews |
Home Warranty of America
| 1.0
4,033 reviews
| Offers two combination plans that cover more than 20 systems and appliances. Pricing starts at $48.33 with deductibles of $75 and $100. Drywall, doorbell and burglar and fire alarms are included in coverage. | Read reviews |
HSA Home Warranty
| 1.0
320 reviews
| Basic coverage includes systems and appliances with monthly costs averaging about $40 per month. Select 7-Star Upgrade coverage or optional add-ons to customize your coverage. Deductibles range between $75 and $100. | Read reviews |
Super
| 1.0
430 reviews
| Offers coverage for both repairs and maintenance. Three levels of service range in cost from $47 per month to $107 per month. Covers major appliances, systems and maintenance for lawn, cleaning, pest control and more. | Read reviews |
AFC Home Warranty
| 1.0
2,279 reviews
| Available in 47 states and Washington, D.C. Guarantees repairs for duration of contract. Covers up to 18 systems and appliances, including electronics like smartphones. Low coverage caps on some systems and appliances. | Read reviews |
The Home Service Club
| 1.0
818 reviews
| Choose from two plans to cover systems and appliances. Available add-ons include roof coverage. Premiums vary by state, but expect to pay about $50 per month for standard coverage, with deductibles from $65 to $125. | Read reviews |
American Home Protect
| 1.0
136 reviews
| Offers one base plan with coverage for appliances and systems. Additional coverage options available. Three-year contract. Typical $36 to $65 service fee. Unlimited claims for covered repairs. No online claim portal. | Read reviews |
Frontdoor
| 1.0
26 reviews
| Free app offers one live chat session with experts. Free how-to maintenance articles available. Frontdoor Basic, Prime and Premium membership plans. App available nationwide. Frontdoor Premium plan available in select locations. | Read reviews |
Home Warranty Inc
| 1.0
18 reviews
| Serves all of the United States except California, Oregon, Washington, Arizona and New York. $100 deductible on most plans. In-house or local technician options. 24/7 live claim support and four-hour response times. | Read reviews |
Global Home USA
| 1.0
View profile
| Home warranty company based in Addison, Texas. Offers three home warranty plans that real estate agents can purchase for their clients. Provides coverage for all states except Alaska, California, Washington and Wyoming. | Read reviews |
Global Home Protection
| 1.0
View profile
| Home warranty company offering three warranty plan options. Additional coverage options available at an additional cost. 24/7 customer service and claim support. Free service transfer available. | Read reviews |
Armadillo Home Warranties
| No reviews | Offers a variety of home warranty plans for homeowners and landlords. Plans start at $39.99 per month. Network of service providers in most ZIP codes. Offers add-on coverage items. Available in 50 states. | |
Complete Protection Home Warranty
| No reviews | Customizable home warranty plans. Four warranty plans. Pricing ranges from $49 to $79 per month. Covers appliances and home systems. 24/7 customer support. Online customer portal with claim filing. No deductible. | |
Everything Breaks Home Warranties
| No reviews | Monthly and annual home system, appliance and electronics plans. Five tiers of home warranty coverage. Option for individual appliance coverage. 31-day waiting period before coverage starts. | |
Elite Home Warranty
| 1.1
110 reviews
| Three base home warranty plans for appliances and systems. 12-month contract term. Licensed and insured technicians. 30-day waiting period before coverage starts. Older appliances covered. 90-day workmanship warranty. | Read reviews |
Showing 10 of 30
Want your company to be on this guide?
Yes, continueComparing
×![]()