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Best Home Warranties in Wisconsin

We compared 10 companies and chose the top home warranty providers

    • American Home Shield
      3.9(102,866)
    • Choice Home Warranty
      3.9(64,754)

    Top Picks

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      Best Home Warranties in Wisconsin

      If you live in Wisconsin and want a home warranty, it’s important to compare your options so you can get the best deal for the right coverage. To help, we compared top home warranty companies on ratings and reviews, price, coverage options, availability and other factors to choose our top picks for Wisconsin.

      Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us — this does not affect our recommendations or evaluations but may impact the order in which companies appear.

      Our editor’s top picks

      1. Value: American Home Shield
      2. Quick service: Choice Home Warranty
      Why trust ConsumerAffairs?
      • Our recommendations are based on what reviewers say.
      • 4,536,144 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.

      Compare our top 2 home warranty companies in Wisconsin

      Quick and easy. Find a home warranty partner now.

      2 best home warranty companies in Wisconsin, reviewed

      Home warranties can help cover the costs of unexpected breakdowns of your major systems and appliances. Our research team has analyzed 26 different home warranty companies to find the best coverage for you. By comparing customer ratings and reviews, coverage limits, prices and available plans, our team chose two companies that offer the best plans for your money.

      American Home Shield

      3.9
      102,866 reviews
      Buyer's Choice Award Winner
      Plans available
      3
      Service fees
      $100 or $125
      Starting costs
      $29.99/month
      5x Award Winner
      Selected for having one of the highest satisfaction rates for Best Claims Handling, Best Coverage Options, Best Customer Service, Best Technicians and Best Value for Price

      American Home Shield provides coverage in 48 states (not Alaska, Hawaii or New York City), including Wisconsin. It offers 3 plans, with coverage for up to 18 appliances and systems combined.

      Many American Home Shield customers in Wisconsin are pleased with the company’s claims handling, prompt solutions, trusty techs and customer service.

      Lorie of Appleton said about her experience: “Our washer has this filter thing way at the bottom that you have to pull out and clean. We didn't even know that existed and we've had it for 10 years. The tech cleaned that and the washer was fixed. He did an excellent job and he was very quick to respond. He let us know that if we had any other issues, he would come back and help. It was all taken care of.”

      Michael of Altoona filed a claim for his air conditioning: “They assigned a contractor, Lonnie's Heating and Air Conditioning, and they got ahold of me. It worked well. It took about a week for their technician to get out there. He had to get a part. He had that with him when he came so he was all prepared. He was a very good and nice guy. He fixed the problem.”

      Brian of Berlin complained about being on hold for a “tremendous amount of time.” He said, “When things get repaired, it works alright. But it takes the time and hassle to get there. There's a lot of running around in between. They can't find a contractor to get lined up and I gotta find my own. Now, the price increase has been ridiculous. It went from 85 to 126. I'm not sure how much longer I'll be with them.”

      Choice Home Warranty

      3.9
      64,754 reviews
      Buyer's Choice Award Finalist
      Plans available
      2
      Service fees
      $100
      Starting costs
      $46.83/month

      Choice Home Warranty offers 2 home warranty plans: Basic and Total. It’s available in 49 states (not Washington), including Wisconsin. If you opt for combined coverage, up to 18 of your appliances and systems will be covered.

      Choice Home Warranty reviewers in Wisconsin frequently mention quality technicians and prompt and effective communication.

      George of Kenosha made a claim online. He said the website wasn’t compatible with Microsoft Edge, but when he switched to Chrome, “the site was easy enough to get it done quickly. That literally was the only hiccup. Everything else went smooth. Technician was professional and called before he arrived. He arrived on time and told me he had to order the part that was broken. He scheduled a day and time for install and informed me that the parts would be shipped directly to my home.”

      Laurie of Appleton was also happy with her experience: “They answer promptly when a claim is submitted and quickly let you know if it's covered or not. They reach out to multiple companies to find one that can do the work. If they can't find one in a timely manner then they let you know and you have the option to find someone yourself and they reimburse you.”

      Stephen of Appleton was not as pleased with the experience: “Beyond the day I made a claim, I felt there was absolutely no effort to find a technician to solve my issue. Within 2 hrs of making the claim, I was sent an email offering reimbursement if I were to find my own technician. At that point, I already didn't feel like a customer being taken care of when they gave an option to put the onus on me to solve it myself.”

      How to choose a home warranty company in Wisconsin

      Wisconsin has freezing winters with lots of snow and hot, humid summers with heavy storms. These harsh seasonal conditions can lead to more wear and tear on your systems and appliances, causing a costly repair bill, but a home warranty may help.

      Home warranties help cover the cost of repairs or replacements on systems and appliances when they break down due to normal wear and tear. In Wisconsin, freezing temperatures can cause your pipes to burst, and the summer heat can overwork your air conditioner.

      Although home warranties can help with unexpected repairs, it’s important to remember that most plans have coverage caps and exclusions. This means that the company won’t cover some things and will only pay up to a certain amount for parts and repairs. Double-check your contract before signing up to make sure you're getting the coverage you expect.

      In Wisconsin, home warranties are regulated by the Department of Agriculture, Trade and Consumer Protection (DATCP). The DATCP makes sure that home warranty companies follow fair practices and have clear, understandable contracts to protect consumers. Companies must also be able to show that they have enough money to pay for potential claims with financial records. These regulations help homeowners receive clear and reliable coverage so they know what they are signing up for.

      How are home warranties regulated in Wisconsin?

      Wisconsin has more thorough regulations for home warranties than many other states. Because of these regulations, home warranty companies must ensure:

      • You will not have to do anything unreasonable to get warranty service
      • If a problem is reported and not fixed during the warranty term, the company must fix it even if the coverage period ends
      • If necessary, a breakdown will be repaired or replaced within a reasonable time, including removal and reinstallation
      • That contracts are clear and easy to understand
      • Contracts include exclusions, limitations and coverage caps

      In Wisconsin, before home warranty providers can sell warranties in the state, the Department of Agriculture, Trade and Consumer Protection also requires that they must:

      • Submit all home warranty plans to the state commissioner for review
      • Pay an application fee to submit plans
      • Name the commissioner as the agent for the service of process on the warranty plan
      • Receive a limited certificate of insurance authority
      • Provide a deposit of securities of at least $50,000 for future claims

      The 2011 Wisconsin Act 226 also requires home warranty companies to pay $400 to get licensed before selling warranties in Wisconsin. After the first year, companies have to pay $100 to renew their license annually.

      Additionally, to protect consumers, home warranty providers must give a 60-day written notice and a reasonable refund if they decide to terminate the contract.

      If you want to file a complaint or report a fraudulent home warranty company, you can do so on the Department of Agriculture, Trade and Consumer Protection website or over the phone.

      FAQ

      How much does a home warranty cost?

      While the national average for a home warranty ranges from $450 to $600 per year as of publishing, these costs can vary. Factors like your location in Wisconsin, the specific company and plan you choose and the availability of discounts (like for bundling or purchasing multiple years of coverage) all play a role in the final cost.

      Is a home warranty worth it in Wisconsin?

      A home warranty can give you peace of mind, especially if the cost of unexpected repairs or replacements of major appliances and systems would strain your budget. The decision to purchase this type of coverage depends on factors like your financial situation, the age and condition of your home's appliances and systems and your personal risk tolerance.

      » MORE: Is a home warranty worth it?

      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.

      » COMPARE: Home warranty vs. home insurance

      Methodology

      ConsumerAffairs carefully collects in-depth, verified reviews to tell each customer’s experience with a company. We believe customer experiences are a crucial indicator when evaluating companies, so these reviews are a significant factor when selecting our top picks.

      To choose the top home warranty companies in Wisconsin, we started with the 26 popular providers listed in our main home warranty guide. First, we narrowed it down to the ones available in Wisconsin. We then weighted several key features to get our final rankings:

      • Coverage options: We broke down each company’s home warranty plans to ensure they offered 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 by not paying for coverage you don’t need. We checked to see what customization options each company offered, 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 coverage selected, but we confirmed our top picks’ prices were competitive in the home warranty industry.
      • Service call fee: We looked at the service fee each company charged to send a technician to your house to ensure our top picks were in line with industry standards.
      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:

      1. Wisconsin State Legislature, “2011 Wisconsin Act 226.” Accessed Aug. 9, 2024.
      2. Wisconsin State Legislature, “Chapter Ins 15 (6)(a).” Accessed Aug. 9, 2024.

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