Best Home Warranty Companies in Wisconsin (2024)

• Provider Review: American Home Shield Review
• Provider Sample Contract: American Home Shield sample contract directory
• State Availability: 48 (excluding Alaska and Hawaii)
• Monthly Cost: $69–$129

American Home Shield has been in business since 1971 and is a veteran in the home warranty industry. It’s a Better Business Bureau (BBB)-accredited company with a solid B rating. AHS provides comprehensive system and appliance coverage limits. Our team read through its sample contract and found it also covers unique damage to your home items.

We consider AHS to be the best provider for comprehensive coverage due to its three coverage plans, multiple service call fees, and solid industry reputation. It covers several things other companies don’t, such as rust damage and improper installations.

We thoroughly read American Home Shield’s sample contract and found it applies a $2,000 limit per covered appliance in its ShieldGold plan. It doubles its coverage cap to $4,000 per covered item in the ShieldPlatinum plan.

AHS coverage plans provide extensive coverage; even its basic plan, ShieldSilver, covers your HVAC system. Its multiple service call fees allow you to customize your monthly premium to fit your budget.

American Home Shield offers three home warranty plans: ShieldPlatinum™, ShieldGold™, and ShieldSilver™. The ShieldPlatinum plan is the most comprehensive coverage plan, covering 23 essential home systems and appliances. It includes a $6,000 coverage limit per covered item.

The ShieldGold plan is a level below ShieldPlatinum and covers the same 23 systems and appliances; however, it excludes HVAC tune-ups and has a lower $3,000 appliance coverage limit. The ShieldSilver plan covers 14 home systems, including air conditioning and plumbing.

For an additional fee, you can add coverage for these items: Pool and spa, well pump, septic pump, and guest unit under 750 square feet. You can also purchase an extended warranty for your electronic devices.

AHS lets customers select their own service fee of $100 or $125. The higher the service fee, the lower the monthly premium and vice versa.

Here are details on each of American Home Shield’s plans:

• ShieldSilver ($29.99–$39.99 per month): Covers home systems, such as heating, cooling, and electrical
• ShieldGold ($49.99–$59.99 per month): Covers major systems and appliances, such as air conditioning, roof leaks, and plumbing
• ShieldPlatinum ($79.99–$89.99 per month): Covers systems and appliances and adds additional benefits, such as $1,500 for roof-leak repairs
• Optional add-ons: Electronics, pools/spas, guest units, septic pumps, and well pumps. Based on the quote we pulled, we found that AHS offers competitively priced add-ons. For example, septic pump coverage costs an extra $5 per month.

Our team received quotes from American Home Shield over the phone and online. The AHS online tool requires your home address, ZIP code, and email address. We were able to switch between the different plan and service fee options, with pricing updating instantly. 

AHS does not let you use your own contractor for service repairs. You must select a service technician from its in-network options. One of our team members has an AHS plan and filed a claim for a leaking bathroom pipe. When he called in, an AHS representative located a local plumber in an hour and scheduled a next-day service appointment. All repairs were completed successfully, and he was only charged the service call fee. 

After reading AHS customer reviews, he discovered homeowners liked the company’s prompt claims processes. The customer service department received mixed reviews, with some homeowners disappointed that their claims reimbursement was lower than anticipated.

• Provider Review: AFC Home Warranty review
• Provider sample contract: AFC Home Warranty sample contract directory
• State Availability: 49 (excluding Hawaii)
• Monthly Cost: $36–$62

America’s First Choice Home Warranty (AFC Home Warranty) has been around for 10 years and is a trusted company in the home warranty industry. It offers various customizable plans, solid home protection, and unique customer benefits such as free credit monitoring and emergency alert services.

Along with its flexible service call fee model, the variety of plans offered by AFC Home Warranty is ideal for homeowners who want a personalized home warranty package and pricing. AFC Home Warranty also offers a lengthy workmanship guarantee and additional membership perks. Other providers don’t include membership perks within their plans.

America’s First Choice Home Warranty offers four plans at varying levels of coverage: a Systems Plan, a Silver Plan, a Gold Plan, and a Platinum Plan. The Systems Plan covers essential home systems such as air conditioning and electrical systems. The Silver Plan covers major home appliances, the Gold Plan covers a combination of the two, and the Platinum Plan covers everything in the Gold Plan, plus built-in microwaves, plumbing stoppages, and ice makers.

You can add optional coverage for the following items: Sump pumps, septic systems, hot water dispensers, pools/spas, standalone freezers, and tankless water heaters.

Service fees range between $75 and $125. Typically, a lower service fee means a higher monthly premium, while a higher service fee will result in a lower monthly cost.

Here are details on each plan offered by AFC Home Warranty:

• Silver Plan ($38.00–$42.83 per month): Covers appliances, such as clothes washer, clothes dryer, garbage disposal, and dishwasher
• Systems Plan ($45.25–$50.08 per month): Covers systems, such as air conditioning, heating, water heaters, and plumbing
• Gold Plan ($52.50–$57.33 per month): Covers both appliances and systems, such as electrical, ductwork, oven, range, plumbing stoppages, and garage door openers
• Platinum Plan ($57.33–$62.17 per month): Covers all items and systems included with the Gold Plan, plus a built-in microwave and ice maker
• Optional add-ons: Double oven, electronic coverage, hot water dispenser, sump pump, septic system, central vacuum, pool, spa, stand-alone freezer, and roof-leak repair. Based on the quote we pulled, in-ground pool coverage costs $9 per month.

AFC Home Warranty provides an easy-to-use quote tool. Where it differs from most providers, however, is its cost page. Unlike other providers, AFC Home Warranty requires clicking on each plan to select your desired service call fee. If you wish to compare the prices of the other plans, you must click on the “Back To Plans” button. Although obtaining a quote is straightforward, comparing plan prices isn’t as efficient as other providers.

We consider AFC Home Warranty’s unlimited workmanship guarantee its best feature. (Note that limitations still apply, and the workmanship warranty applies as long as coverage is in effect.) The peace of mind its workmanship guarantee provides makes it a solid choice for those who own older appliances or systems. Additionally, AFC Home Warranty is one of the few providers that allows you to choose your contractor. However, its mixed coverage limits for home systems lower its value from a coverage standpoint.

Our team read dozens of customer reviews to understand how AFC Home Warranty handles customer service. We found mixed reviews. Several customers appreciated AFC Home Warranty’s speedy claims processing. Others disliked the depreciation valuation AFC places on covered items.

• Provider Review: Liberty Home Guard review
• Provider Sample Contract: Liberty Home Guard sample contract
• State Availability: 50
• Monthly Cost: $49–$59

Liberty Home Guard (LHG) approaches home warranty coverage plans with a customer-focused view. It provides a convenient chat feature, a large suite of additional coverage options, and solid coverage limits. We used LHG’s live chat feature to analyze how it works. A representative connected with us within two minutes and promptly answered our questions.

It has the best customer ratings of any home warranty provider on this list, holding an A rating* with the BBB and 4.7 out of 5 stars on Google Reviews. We recommend LHG for homeowners with specific coverage needs, as it offers an extensive list of add-ons ranging from pool coverage to water softeners.

Our team spoke with multiple customer representatives to learn how LHG handles customer inquiries. Based on our experiences, it holds up to its stellar ratings, with each representative picking up the phone in under one minute and answering all of our questions thoroughly.

Liberty Home Guard offers three home warranty coverage plans: Appliance Guard, Systems Guard, and Total Home Guard. The Appliance Guard plan covers 13 home appliances, including built-in microwaves, cooktops, dishwashers, and refrigerators. The Systems Guard plan covers six home systems, including air conditioning, ductwork and water heaters. The Total Home Guard plan covers all items listed in the Appliance and Systems Guard plans. LHG pairs all covered items except electrical and plumbing systems with a $2,000 coverage cap. This is lower than some providers, making it a good match for standard homes and appliances.

Here are some of Liberty Home Guard’s add-ons you can purchase for an additional fee: Carpet cleaning, casita guest unit coverage, pool and spa, septic system pumping, and sump pump.

Liberty Home Guard assigns a $65–$125 service call fee based on your home’s size, type, and location and your plan and add-on choices.

Here are details on LHG’s plans and optional add-on coverage:

• Appliance Guard ($49.99 per month): Covers appliances, such as dishwashers, clothes washers and dryers, and refrigerators.
• Systems Guard ($54.99 per month): Covers built-in systems, such as air conditioning, heating, ductwork, and water heater
• Total Home Guard ($59.99 per month): Covers all the items in the Appliance Guard and Systems Guard plans
• Optional add-ons: Up to 38 options, including pest control, re-key service, gutter cleaning, floor cleaning, and generator coverage. When we pulled our quote, a representative informed us that pest control coverage costs an extra $15 monthly.

Homeowners can pull quotes for Liberty Home Guard through its customer support line or with its online tool. The LHG tool requires your name, phone number, and email address to begin the process. Next, you’ll enter your home address, home type, and whether it’s smaller than 5,000 square feet. You can then switch between monthly and annual premiums to find the best fit for your budget. 

LHG will send one of its in-network service technicians to repair your appliances. If there are no technicians in your area, the company will let you select your own. 

After reading online reviews, we learned that homeowners appreciated the company’s professionalism and quick claims process. However, some customers stated their claims payouts were less than expected. Providers apply unique formulas to determine replacement claim payouts based on the depreciated value of the appliance or system being replaced. 

• Provider Review: Cinch Home Services review
• State Availability: 48 (excluding Alaska and Hawaii)
• Monthly Cost: $65–$99

Cinch Home Services (CHS) is another provider that offers comprehensive appliance and systems coverage. The company includes a generous annual coverage cap. It also covers up to 28 home systems and appliances

Cinch offers several perks, such as its lengthy 180-day workmanship on completed repairs. Based on our research, the industry standard for workmanship guarantees is 30 days. It also offers a unique $500 home insurance deductible reimbursement with the Complete Home Plan. We recommend this provider to homeowners who want to get the most out of their plan with a lengthy reservicing guarantee.

Cinch Home Services offers three plans: the Appliances Plan, Built-In Systems Plan, and Complete Home Plan. Cinch also offers a flexible service call fee model, and its options for service fees are $100, $125, and $150. Upon reading Cinch’s fine print and looking through Cinch Home Services’ sample contract, we found the company sets its coverage caps at $1,500 for central air conditioning and $1,000 for plumbing systems. When you file a claim, Cinch subtracts these amounts from the policy’s annual coverage limit. Our research shows that the company’s annual coverage limit is $10,000.

Like American Home Shield, Cinch Home Services doesn’t offer an annual premium option. However, it allows you to request a quote online or over the phone.

Here are more details about Cinch Home Services’ plans:

• Appliances Plan ($38.99–$48.99 per month): Covers appliances, such as clothes dryer, washer, built-in food center, freestanding ice maker, microwave, and refrigerator
• Built-In Systems ($43.99–$55.99 per month): Covers built-in systems, such as water heater, air conditioner, built-in trash compactor, smoke detector, and jetted tub
• Complete Home ($54.99–$66.99 per month): Covers all the items in the earlier plans, plus up to $500 per term for a homeowners insurance deductible reimbursement
• Optional Add-ons ($4.58 to $22 depending on the item): Pools, spas, pools with spas (heater included), septic tanks, well pumps, and a Premier Upgrade Package (increases limits up to $1,000 to help pay for unforeseen costs during a claim, such as debris removal or code upgrades)

We found Cinch’s quote tool the easiest to use and the quickest to generate a custom quote. You simply have to enter your ZIP code and email, and then Cinch displays each plan’s monthly cost. In addition, Cinch makes it simple to choose your service call fee by displaying its three fee options directly above the plan information. It automatically adjusts each plan’s monthly premium based on your selected service call fee.

Cinch Home Service’s additional perks make it a worthwhile provider. Most home warranty companies don’t offer credits for maintenance items or reimbursement for your homeowners insurance deductible. It provides solid systems and appliance coverage. However, Cinch offers a limited amount of add-ons and excludes roof-leak coverage. Most providers offer some form of roof protection coverage.

Cinch Home Services also holds mixed customer reviews due to its high service call and monthly fees. Some customers disliked the quality of contractors it used for service requests, while others appreciated the knowledgeable and friendly sales team. Regarding service technicians, Cinch requires you to use in-network technicians. When we called to ask if it allows out-of-network contractors, a representative stated it does. However, you must contact Cinch beforehand.