A Rhode Island home warranty could save you money when one of your major systems or appliances, such as your heating system or plumbing, inevitably breaks down from use. Plus, having a home warranty prevents you from spending time and money looking for a trusted contractor to complete your home repairs. We compared plans, pricing, and customer reviews to help you find the best home warranty in the Ocean State.

Rhode Island’s Top 5 Home Warranty Companies

The five Rhode Island providers in this review stood out because of their comprehensive plans, extensive add-on options, excellent customer service, and affordable pricing. The highest-rated Rhode Island home warranty companies include the following:

Summary of the Best Home Warranty Companies in Rhode Island

Company
Best For
BBB Rating
Monthly Cost
Service Fee
Response Time
VISIT SITE
Best for Comprehensive Coverage
B
$64–$74
$100–$125
Up to 48 hours
VISIT SITE
Best Customer Ratings
A+
$49–$60
$65–$125
Up to 48 hours
VISIT SITE
Best Value
B-
$44–$48
$60–$75
48-84 hours
VISIT SITE
Best for Customization
B
$48–$55
$75–$125
24-48 hours
Best For Monthly Cost Service Fee Response Time BBB Rating Link
American Home Shield American Home Shield Best for Comprehensive Coverage $64–$74 $100–$125 Up to 48 hours B VISIT SITE
Liberty Home Guard Liberty Home Guard Best Customer Ratings $49–$60 $65–$125 Up to 48 hours A+ VISIT SITE
Select Home Warranty Select Home Warranty Best Value $44–$48 $60–$75 48-84 hours B- VISIT SITE
AFC Home Club AFC Home Club Best for Customization $48–$55 $75–$125 24-48 hours B VISIT SITE
Liberty Home Guard
Select Home Warranty
AFC Home Club
American Home Shield
Logo American Home Shield
Best For Best for Comprehensive Coverage
Monthly Cost $64–$74
Service Fee $100–$125
Response Time Up to 48 hours
BBB Rating B
VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Best For Best Customer Ratings
Monthly Cost $49–$60
Service Fee $65–$125
Response Time Up to 48 hours
BBB Rating A+
VISIT SITE
Select Home Warranty
Logo Select Home Warranty
Best For Best Value
Monthly Cost $44–$48
Service Fee $60–$75
Response Time 48-84 hours
BBB Rating B-
VISIT SITE
AFC Home Club
Logo AFC Home Club
Best For Best for Customization
Monthly Cost $48–$55
Service Fee $75–$125
Response Time 24-48 hours
BBB Rating B
VISIT SITE

Liberty Home Guard

Liberty Home Guard (LHG) is our top pick for Rhode Island homeowners because of its stellar customer ratings and solid coverage options. The company holds over 4.5 out of 5-star ratings on sites such as the Better Business Bureau (BBB). Our team called Liberty Home Guard and noted how quickly LHG representatives answered the phone. Each time we called, a representative picked up within a few rings.

Pros and Cons

✔ Extends a 60-day workmanship guarantee
✔ Provides over 30 unique additional coverage options
✔ Covers second HVAC and cooling system units within standard plans

✘ Offers low coverage caps for electrical and plumbing systems
✘ Doesn’t lower monthly premium with a higher service call fee

Liberty Home Guard

Best Customer Ratings
4.5
  • Response Time: 48 hours
  • State Availability: 50 states
  • Service Call Fee: $65–$125

Liberty Home Guard (LHG) offers three coverage plans, a 60-day workmanship guarantee, and more than 30 add-ons. LHG also provides accessible customer service via its live-chat feature on its website.

Why We Chose Liberty Home Guard

Liberty Home Guard earned 4.5 out of 5 stars in our rating system. It is the best customer-rated home warranty provider on this list, in part due to its A+ rating* with the Better Business Bureau (BBB) and its 4.7 out of 5-star rating on Google Reviews. Our team spoke with multiple customer representatives to consider how well LHG handles customer inquiries. Based on our experiences, we believe it holds up to its stellar ratings, with each representative answering the phone quickly and answering all our questions thoroughly.

Pros and Cons

Pros Extends a 60-day workmanship guarantee Offers 38 unique optional add-ons, including pest control and gutter cleaning Provides a live-chat customer service feature Cons Doesn't allow plan price or service call fee customization Covers high-end appliances only with add-on purchase Lacks transparency about services fees during the quote process

Plans and Pricing

Liberty Home Guard offers three service plan options: Appliance Guard, Systems Guard, and Total Home Guard. Unlike providers with a flexible service call fee, LHG assigns a service call fee to your account based on your plan, add-on selections, and location. According to the representative we spoke with, service fees range from $65 to $125. All LHG’s covered items are subject to a $2,000 coverage cap and a 60-day workmanship guarantee.

Below are the monthly prices for an LHG plan. Expect to pay between $600 and $720 annually. Per our research, LHG offers two additional months of coverage if you sign up for an annual plan. LHG allows you to pull a quote over the phone or online.

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
  • 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, rekey service, gutter cleaning, floor cleaning, and generator coverage. When we pulled our quote, we were informed that pest control coverage costs an extra $15 monthly.

Liberty Home Guard’s service contract provides additional coverage information for each plan.

What To Expect

Pulling a quote from Liberty Home Guard is straightforward. First, you fill out basic personal information such as your name, phone number, and email. Then, you input your home’s address, type, and whether it is under or over 5,000 square feet. LHG will then display your home’s customized monthly premium. 

We believe Liberty Home Guard offers solid coverage for the price. Its $2,000 coverage cap applies to all covered items except electrical and plumbing systems. In addition, it offers the most add-on coverage options compared to other providers. This makes LHG a great choice if you have unique items that need coverage. 

Note that LHG doesn’t allow you to choose your service provider since it works with its network of technicians. However, if LHG can’t source a technician from its network near you, it allows you to source your own. 

In reading customer reviews, we found that consumers’ experiences aligned with our experience contacting LHG’s customer service. Many reviewers noted the helpfulness of representatives and how quickly they resolved issues. We experienced this responsiveness each time we called or used its live-chat feature.

Plans and Pricing

Liberty Home Guard offers three coverage plans: Appliance Guard, Systems Guard, and Total Home Guard. The Appliance and Systems Guard plans cover major appliances and systems, respectively. The Total Home Guard plan bundles both plans together into one comprehensive package. LHG includes a $2,000 coverage cap per covered appliance and system, except for plumbing and electrical systems. LHG caps those systems at $500 per claim.

Here is a sample of Liberty Home Guard’s add-ons you can purchase to supplement your coverage:

Central vacuum, electronics protection, instant hot water dispensers, limited roof-leak, sump pumps, trash compactors, and well pumps.

Liberty Home Guard plans cost between $49 and $60 per month. LHG pairs your plan with a service call fee that ranges from $65 to $125 per claim. According to a representative, LHG chooses your service call fee based on your home’s size and type and your location and plan selections.

Fill out the Liberty Home Guard quote form or call 866-452-9107 for your personalized quote.

Learn more: Liberty Home Guard Review

America’s First Choice Home Club

America’s First Choice Home Club (AFC Home Club) provides customizable coverage via its four coverage plans and three service call fees. The company offers unique membership perks such as free credit monitoring. Our team used its online quote tool and found it easy to use. However, other providers’ quote tools generated prices more quickly than AFC’s. In addition, AFC’s quote tool requires several pieces of personal information, such as your name, phone number, and email. 

✔ Provides a plan-length workmanship guarantee that lasts the life of your plan
✔ Includes access to perks such as identity theft protection
✔ Offers up to $3,000 per covered appliance

✘ Limits most major systems to a coverage limit subject to the item’s depreciated value
✘ Includes plumbing stoppage coverage only in the Platinum Plan

Plans and Pricing

AFC Home Club provides four home warranty coverage plans, each with specific coverage. The Silver and Systems plans cover home appliances and systems, respectively. The Gold Plan covers both home systems and appliances. The Platinum Plan adds plumbing stoppages, built-in microwaves, and faucet coverage to the Gold Plan. AFC Home Club includes a $3,000 coverage cap per covered appliance. However, it offers variable coverage caps for its systems.

Here is a sample of AFC Home Club’s available add-ons:

Double ovens, ice makers, in-ground pool, septic system, stand-alone freezers, and tankless water heaters.

Expect to pay between $29 and $55 per month for an AFC Home Club plan. In addition, the company offers a $75, $100, and $125 service call fee that can raise or lower your monthly premium. 

Fill out America’s First Choice Home Club quote form or call 877-755-1115 for your personalized quote.

Select Home Warranty

Select Home Warranty is another solid choice for Rhode Island residents. It offers low service call fees and monthly premiums and includes roof-leak coverage in each protection plan. Additionally, Select allows you to choose your own service provider. Our team spoke with a representative to confirm this. The representative said you must first get approval from Select.

Pros and Cons

✔ Provides a discount if you enroll in a multi-year plan
✔ Offers free roof leak coverage
✔ Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos

✘ Includes low coverage caps for major appliances, most home systems, and add-ons
✘ Charges a $75 cancellation fee

Select Home Warranty

Best Value
4.3
  • Response Time: 48 hours
  • State Availability: 47 states (excluding Nevada, Wisconsin, and Washington)
  • Service Call Fee: $60–$75

Select Home Warranty provides affordable coverage plans for those who need basic coverage. It offers appliance-only, systems-only, and combination plans. In addition, Select offers a service call fee under $80 per claim.

Why We Chose Select Home Warranty

Select Home Warranty scored 4.3 out of 5 stars in our review standards. It is a great option if you’re looking for an affordable home warranty since all its plans are less than $50 per month and include roof-leak coverage (up to $400 annually) in each standard plan. Home warranty companies don’t typically offer roof-leak coverage without an additional fee.

Pros and Cons

Pros Offers annual premium discounts on multi-year coverage plans Includes generous $3,000 coverage limit for HVAC systems Covers additional refrigeration and stand-alone freezers Cons Excludes coverage for tankless water heaters Offers lower coverage caps than many competitors Charges multiple service fees if there are multiple claims at the same time

Plans and Pricing

Select Home Warranty offers three plan options: Bronze Care, Gold Care, and Platinum Care. Select charges a $60–$75 service call fee. Our team discovered via secret shopping that Select offers its lower service call fee as an over-the-phone deal only. After reviewing Select’s sample contract, we found it covers HVAC systems up to $3,000. However, Select limits other covered systems, such as plumbing and electrical, plus appliances, to a $500 coverage cap. Select’s plans include a 30-day workmanship guarantee.

Select Home Warranty offers monthly and annual premium options. Expect to pay between $533 and $573 annually. According to the quote we pulled, Select offers up to $150 off and two additional months of coverage if you choose an annual premium. It lets you pull a quote by calling or using its online tool.

Here are more details about Select Home Warranty’s plans:

  • Bronze Care ($44.42 per month): Covers appliances, such as clothes washers and dryers, garbage disposals, refrigerators, and cooktops
  • Gold Care ($44.42 per month): Covers systems, such as air conditioning, heating, plumbing, electrical systems, water heaters, and ductwork
  • Platinum Care ($47.75 per month): Covers all the appliances and built-in systems in the Bronze and Gold Care plans, plus garage-door openers and ceiling fans
  • Optional Add-ons: Central vacuums, lawn sprinkler systems, pools, septic systems, spas, stand-alone freezers, sump pumps, and well pumps. Select Home Warranty also offers low prices for its add-ons. For example, it charges under four dollars monthly for central vacuum coverage.

Check out Select Home Warranty’s sample contract which outlines the terms and conditions of each coverage plan.

What To Expect

Select’s quote tool works similarly to the tools of other providers in this article. It first asks for your ZIP code. Then it asks for your name, phone number, and email. It doesn’t, however, ask for your property’s address. This helps streamline the quote process.

Select is worth considering for homeowners who need basic home protection. Its coverage caps for essential systems and appliances are much lower than other providers, making it difficult to recommend from a coverage standpoint. It offers some of the most affordable fees, and it lets you choose your service provider as long you obtain Select’s approval first. 

We also discovered that Select prefers to communicate strictly over the phone for claims and plan issues. Several customers on third-party consumer review sites, such as the BBB and Trustpilot, note that Select’s customer service department is difficult to get ahold of. Therefore, we recommend carefully considering your needs and budget before signing up for Select Home Warranty.

Plans and Pricing

Select Home Warranty offers three separate plans for systems, appliances, and comprehensive coverage. Gold Care covers six systems, Bronze Care covers eight appliances, and Platinum Care covers all 14 items, plus plumbing stoppages and garage door openers.

Here are just a few of the unique items you can add to any plan to customize your coverage: Lawn sprinkler systems, switches and outlets, lighting fixtures, refrigerator ice makers, plumbing fixtures.

Select Home Warranty plans are cheaper when you pay for them in a lump sum at the beginning of the year, as opposed to paying for them month by month. On average, Select plans range between $44 and $48 per month. The provider also charges a service call fee of $75 per claim.

Fill out the Select Home Warranty quote form or call 888-370-3956 for your free quote.

Learn more: Select Home Warranty Review

Cinch Home Services

Cinch Home Services is our recommendation for homeowners who want extensive home protection. Cinch offers three coverage plans and three service call fees; the fees are higher than other providers’ options. However, Cinch includes a $25 air conditioning and refrigerator filter credit in each plan. It reimburses your homeowners insurance deductible in its Complete Home Plan.

Pros and Cons

✔ Provides a generous $10,000 annual coverage cap per covered appliance and system
✔ Offers up to $500 in reimbursement for your homeowners insurance deductible
✔ Covers rust and corrosion damage

✘ Offers a limited selection of add-on coverage options
✘ Prices plans higher than other providers

Plans and Pricing

Cinch offers the Appliances plan, Built-in Systems plan, and Complete Home plan. The Appliances plan covers major appliances such as cooktops. The Built-in Systems plan covers major systems. The Complete Home plan covers appliances and systems. It also adds a $500 homeowners insurance deductible reimbursement. 

Cinch offers the following add-on coverage options:

Pool and spas, the Premier Upgrade Package, stand-alone spas, septic tank pumping, and well pumps.

Expect to pay between $72 and $106 monthly for a Cinch Home Services plan. The company provides flexible service call fees. The fees are $100, $125, and $150 per claim. The higher your service call fee, the lower your monthly premium.

Fill out the Cinch Home Services quote form or call 844-979-0899 for your free quote.

Learn more: Cinch Home Services Review

Our Conclusion

Liberty Home Guard, American Home Shield, and America’s First Choice Home Club provide extensive coverage, flexible fees, and solid customer service. Regardless of which home warranty company you choose, you’ll have peace of mind if a covered system or appliance experiences a breakdown. Before you purchase a home warranty, we recommend getting quotes from all three companies since pricing will change depending on your region and home size.

Frequently Asked Questions

How Do I Find the Best Home Warranty Company in My Area?

Find in-depth reviews on the best home warranty companies for each state and major US city below.

Best Home Warranty Companies by City and State
Best Home Warranty Companies by State Best Home Warranty Companies by City

Our Rating Methodology

The This Old House Reviews Team backs up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score on a 5-point rating scale.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.