Best overall
American Home Shield
3.7
109,250 reviews
- Plans available
- 3
- Service fees
- $100 or $125
- Starting costs
- $29.99
- Labor guarantee
- 30 days
Best Home Warranties in Rhode Island
- Best overall
American Home Shield3.7(109,250) - Quick service
Choice Home Warranty4.0(73,295) - Coverage variety
Liberty Home Guard4.4(1,395)
By:
Alina Bradford
+1 more
Edited by:
Cassidy McCants
Best Home Warranties in Rhode Island
Based on verified reviews from local homeowners, American Home Shield is the best home warranty company in Rhode Island. Choice Home Warranty is a good choice if you want fast response times, and Liberty Home Guard stands out for its flexible coverage options.
Why trust ConsumerAffairs?
- Our recommendations are based on what reviewers say.
- 4,804,639 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.
Our 4 home warranty company picks in Rhode Island
- Best overall: American Home Shield
- Best for quick service: Choice Home Warranty
- Best coverage variety: Liberty Home Guard
- Best claims handling: Cinch Home Services
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) | |
|---|---|---|---|---|---|
 American Home Shield | Get a Quote | 3.7
109,250 reviews
109,250 reviews
| Best overall | $29.99 | $100 or $125 |
 Choice Home Warranty | Get a Quote | 4.0
73,295 reviews
73,295 reviews
| Quick service | $46.83 | $100 |
 Liberty Home Guard | Get a Quote | 4.4
1,395 reviews
1,395 reviews
| Coverage variety | $49.99 | $65 to $125 |
 Cinch Home Services | Get a Quote | 4.0
12,208 reviews
12,208 reviews
| Claims handling | $38.99 | $100, $125 or $150 |
Our 4 Rhode Island home warranty company picks
We based our picks on recent reviews from Rhode Island customers on ConsumerAffairs. Costs, labor guarantees and available coverage were also key factors.
Best for quick service
Choice Home Warranty
4.0
73,295 reviews
- Plans available
- 2
- Service fees
- $100
- Starting costs
- $46.83
- Labor guarantee
- 60 days
Best coverage variety
Liberty Home Guard
4.4
1,395 reviews
- Plans available
- 3
- Service fees
- $50 to $125
- Starting costs
- $49.99
- Labor guarantee
- 60-day workmanship warranty
Best claims handling
Cinch Home Services
4.0
12,208 reviews
- Plans available
- 3
- Service fees
- $100, $125 or $150
- Starting costs
- $38.99
- Labor guarantee
- 180 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 insightRhode Island home warranty plans typically range from $35 to $90 per month, depending on coverage, service fee and add-ons.
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.
» 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 averages $684 per year as of June 2025. Expect to pay between $360 and $1,080 annually, depending on your plan and any add-ons.
Cost range by home warranty provider
| Provider | Monthly premium range | Service call fee |
|---|---|---|
| American Home Shield | $29.99 to $89.99 | $100 or $125 |
| Choice Home Warranty | $46.83 to $54.75 | $100 |
| Liberty Home Guard | $49.99 to $59.99 | $65 to $125 |
| Cinch Home Services | $38.99 to $66.99 | $100, $125 or $150 |
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
- Comprehensive coverage ($60 per month): $720 per year
- Add-on for roof leak repair ($10 per month): $120 per year
- Two claims ($100 service fee): $200
- Total: $1,040 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.
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.
We prioritized real customer experiences in Rhode Island but also considered national reviews. We discarded companies with fewer than five in-state reviews. Our review evaluation focused on seven satisfaction drivers:
- Technician quality
- Customer service
- Claims handling
- Punctuality and speed
- Coverage
- Value
- Refunds and payouts
In addition to reviews, we compared the companies on:
- Coverage options: We broke down each company’s home warranty plans to ensure they offer multiple coverage options to fit a variety of needs.
- Plan flexibility: Customizing a plan can tailor it to your needs and help you save money. We checked to see what customization options each company offers, including the ability to select a service fee and the number and cost of add-on coverages.
- Cost: Costs for home warranty plans vary based on the size of the home and the type of coverage, but we confirmed our top picks’ prices are competitive in the home warranty industry.
- Service call fee: We looked at the service fee each company charges to send a technician to your house to ensure our top picks are in line with industry standards.
- Service guarantee: The longer a company guarantees its repairs, the more protection you get if the same issue comes back. We considered how each provider backs its workmanship.
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 Sept. 23, 2025.
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Compare top Rhode Island home warranty companies
| Company | Customer rating | About | Learn More |
|---|---|---|---|
|
American Home Shield
| 3.7
109,250 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 |
|
Choice Home Warranty
| 4.0
73,295 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 |
|
Liberty Home Guard
| 4.4
1,395 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 |
|
Cinch Home Services
| 4.0
12,208 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. | Get a Quote |
Prestige Home Guard
| 5.0
6 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 |
ARW Home
| 4.3
2,769 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 |
HomeSafe
| 4.2
457 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 |
Regency Total Warranty
| 4.1
1,004 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 |
Select Home Warranty
| 3.7
15,976 reviews
| Appliance, system and combination plans available. Plans start at around $45 a month. Roof coverage included for some plans. Special promotions include free extra months on your contract and annual pay discounts. | Get a Quote |
First Premier Home Warranty
| 1.8
626 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
| 1.5
2,041 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
1,947 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
329 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 |
American Home Protect
| 1.4
133 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 |
America's Preferred Home Warranty
| 1.4
12 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
363 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 |
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 |
Home Warranty of America
| 1.1
4,024 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 |
2-10 Home Buyers Warranty
| 1.1
6,706 reviews
| Provides coverage for major systems and appliances. Premiums range from around $19 to $50 per month with an $85 to $125 deductible. Kitchen-only plan and roof leak coverage available. Offers structural warranties for new homes. | Read reviews |
HSA Home Warranty
| 1.1
312 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
428 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 |
The Home Service Club
| 1.0
816 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 |
Frontdoor
| 1.2
23 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 |
AFC Home Warranty
| 1.0
2,276 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 |
Home Warranty Inc
| 1.0
17 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. |
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