With state agencies warning residents of home warranty scams, Wisconsin homeowners are weary. The harsh weather conditions the state poses can mean more frequent home breakdowns, and partnering with a home warranty provider can be an invaluable source of support. But with negative stigmas surrounding home warranty coverage, are there any companies you can trust?
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scoured sample contracts to find exclusions and coverage limits, and dug through hundreds of customer reviews. I also researched state regulations and news to give you a brief overview of your protections. Using Today’s Homeowenr’s unique and customer-focused criteria, I’ve given each provider a score out of ten points for their plans and coverage, affordability, customer experience, company reputation, claims process, and availability. I found the best home warranty providers in Wisconsin that offer affordable and comprehensive coverage and have positive company reputations.
Wisconsin homeowners love spending time over a craft brew, but know they can wind up spending a lot of time inside during big snowfalls. You need your home to be dependable, and for emergency breakdowns to be resolved nearly as quickly as they arise. Home warranty service contracts offer protection beyond homeowners insurance, giving you peace of mind when vital systems (like your HVAC system) break down due to normal wear and tear. When shopping for coverage, be sure to read through a sample contract to be sure you understand exclusions and other conditions in the fine print before committing to a contract. Knowing exactly what your plan does and doesn’t cover helps you avoid surprise costs later and keep your coverage within your budget.
Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information. Read our full Home Warranty Review Methodology for more details.
78 companies reviewed
152 quotes collected
6 rating factors
Top 5 Wisconsin Home Warranty Companies
Key Takeaways
- Liberty Home Guard (LHG) is my top recommendation for a home warranty provider in Wisconsin. This provider operates nearly nationwide and offers emergency services, an outstanding company reputation, and industry standard-breaking customization options. If you're a Wisconsin homeowner with high end or luxury appliances, though, I recommend American Home Shield for their higher coverage limits.
- When looking for a home warranty plan in Wisconsin, consider the state’s unique challenges, like high humidity levels and potential for large amounts of snow that could leave you stuck at home. Look for providers that offer coverage for appliances and systems prone to more wear and tear from these conditions, like heating units and refrigerators or freezers.
- Be sure to read through home warranty sample contracts thoroughly before signing. Being knowledgeable can help prevent unwanted claim denial surprises in the future.
My Expert Recommendation
After extensive research and secret shopping, Liberty Home Guard (LHG) is my top pick for home warranty coverage in Wisconsin, offering the most customizable home warranty plan on the market. You can tailor your service with your choice of service fee, 42 add-on options, and the option to request coverage not currently provided by the company. Liberty also offers emergency services — a must for me.
Alternatively, if you’re a Wisconsin resident with high-end or luxury systems or appliances, I recommend American Home Shield (AHS) for their higher coverage limits. AHS offers limits up to $4,000 for home appliances and $5,000 for home systems — amounts you may need to cover more expensive home items.
Don’t be afraid to call to speak with customer service reps. Home warranty reviews across providers praise knowledgeable customer service reps, and to sweeten the deal, you’ll often land better discounts over the phone than solely requesting your free quote online.
Wisconsin Home Warranty Companies I Didn’t Include
I didn’t include Cinch Home Services on my list because while they offer comprehensive coverage, other providers offer more affordable rates for comparable levels of coverage. Beyond the provider’s more costly monthly premiums, averaging around $80 per month for Wisconsin homeowners, their service fees were on the higher end as well, ranging between $100 and $150 per service call. My list includes providers with more affordable rates and lower service fees and comparable coverage to that offered by Cinch.
Compare The Highest Rated Home Warranties In Wisconsin
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Company
|
Rating
|
Monthly Cost
|
Service Fee
|
Response Time
|
BBB Rating
|
Link |
|---|---|---|---|---|---|---|
 Liberty Home Guard
Get Quote
|
$50-$60 | $75 | 12-48 hrs. | NR | Get Quote | |
 American Home Shield
Get Quote
|
$35–$75 | $100–$125 | 24-72 hrs | B | Get Quote | |
 Elite Home Warranty
|
$44.99-$58.99 | $70 | 48 hours | A+ | ||
 Choice Home Warranty
Get Quote
|
$46–$55 | $85 | 24-48 hrs. | B | Get Quote | |
 Select Home Warranty
Get Quote
|
$52–$58 | $75-$85 | 24-48 hrs. | B | Get Quote | |
 AFC Home Warranty
Get Quote
|
$38–$62 | $75–$125 | 48 hours | B | Get Quote | |
 First American Home Warranty
Get Quote
|
$72–$87 | $75–$125 | 48 hours | B | Get Quote | |
 2-10 Home Warranty
Our Review
|
$17–$60+ | $65–$100 | 24 hrs | A- | Our Review | |
 Cinch Home Services
Get Quote
|
$28–$68 | $100–$150 | 2–24 hrs | B | Get Quote |
Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.
Our Reviews of the Best Home Warranties in Wisconsin
Liberty Home Guard
4.6
Our Rating
LHG’s dedication to customization is unmatched, as they offer 42 add-on options including unique coverage for items such as home electronics and a generator. Also available is limited roof leak coverage, which could be essential to Wisconsin homeowners during heavy rainfall and snow melts. I love that LHG includes add-on options dedicated to home maintenance, such as gutter and carpet cleaning, and maintains impressively high ratings across multiple third-party review websites, including the Better Business Bureau (BBB), Yelp, Trustpilot, and Google. LHG maintains 4.5-plus star ratings — an uncommon achievement for home warranty providers.
Liberty offers emergency services, and while this is considered standard practice, not all of their competitors do. Wisconsin residents need access to emergency services if a heating system fails in the winter. LHG also provides a 60-day workmanship guarantee, which is double the industry standard. LHG offers outstanding coverage at affordable rates, making the company my top pick for Wisconsin homeowners.
While LHG’s dedication to customization is impressive, you’ll pay a high price for it. Add-ons are more costly than the industry average, coming in at around $15 monthly, while competitors, like Choice Home Warranty, average between $3 and $8. Even though its monthly premiums are within the average for this state, LHG’s add-ons can add up to bust the budget quickly.
I’m disappointed that, given the expensive items Liberty promises to cover under their add-ons, their plan coverage caps are limited to $2,000. This is at the bottom of industry standard, with most other providers offering caps between $2,000 and $3,000, and other competitors, like American Home Shield, offering caps up to $4,000 for appliances and $5,000 for systems. Vital systems, such as your HVAC, and appliances, such as your clothes washer or refrigerator, can easily cost over $2,000 to repair or replace, so be sure to carefully consider the cost of your equipment before partnering with LHG. It’s also important to note that LHG’s contracts don’t cover preexisting conditions. This is more concerning for homeowners with older homes who may not have access to maintenance records. Homeowners with newer appliances and systems don’t need to be worried by this exclusion.
Liberty Home Guard earned the highest overall score of any company on my list using Today’s Homeowner’s unique rating system. Wisconsin is known for its heavy snowfall and copious rain, and residents of this state need additional financial protection for their homes. For the average Wisconsin homeowner, I recommend Liberty Home Guard for their affordable monthly premiums, costing around $50, comprehensive plans, customization options ranging from home maintenance to luxury home features, and emergency services.
That said, Liberty buries service fees in their sample contract. While this isn’t a deal-breaker for me, competitors include their service fees within their quote calculator tools. It’s an important feature that would improve the customer experience with LHG. I also wish that Liberty’s coverage limits were higher. If you’re a homeowner with average appliances and systems, the payouts should cover repairs. If you have more expensive equipment, however, these limits will likely leave you with unexpected costs, and I recommend partnering with American Home Shield to take advantage of their higher coverage limits. If you’re a Wisconsin homeowner who values affordable premiums, customization, and has standard appliances and systems, Liberty Home Guard is my top recommendation.
LHG earned a perfect 10 for plans and coverage using TH’s rating system, and their plans offer coverage ranging from garbage disposals and garage door openers to water heaters, electrical systems, and ductwork. LHG also offers an astounding 42 add-ons ranging from built-in microwaves to casita guest units. This provider offers three plan options, including an appliance plan, systems plan, and a comprehensive plan combining coverage for both. Personally, I would opt for their Total Home Plan, as it costs only $10 more monthly than their basic appliance plan but is much more comprehensive. LHG also offers additional protection with its 60-day workmanship guarantee in case your technician doesn’t do a fantastic job the first time.
LHG invites customers to request additional coverage not currently offered, asking that you provide the make and model of the home appliance or system and promising to determine if they can offer that specialty coverage for you. This is unique to LHG and further shows this is the best company for customized home warranty plans in Wisconsin. While secret shopping, I was offered $250 off and two free months if opting to pay annually.
| Plan | Monthly Cost* | Service Fee* | Available Discounts |
| Appliance Guard | $49.99 | $65 – $125 | $250 off plus 2 months free |
| Systems Guard | $54.99 | $65 – $125 | $250 off plus 2 months free |
| Total Home | $59.99 | $65 – $125 | $250 off plus 2 months free |
*Liberty Home Guard offers a range of service fees for customers to choose from. While the quotes I was given are based on the $125 service fee option, when calling to speak with a company representative you can opt for a service fee within the indicated range ($65 to $125). Keep in mind that when choosing a lower service fee, the cost of your monthly premium will increase.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Muscoda, WI. The cost data presented was accurate at the time of writing.
Available Add-Ons
These are Liberty’s 42 optional add-ons and their prices at the time of writing:
- Outdoor/Backyard
- Pool and spa ($19.99/month)
- Additional spa ($9.99/month)
- Lawn and sprinkler system ($9.99/month)
- Saltwater pool ($23.99/month)
- Generator ($19.99/month)
- Casita guest unit ($35.99/month)
- Electronics
- Electronics protection ($19.99/month)
- TV mounting (up to 65-inch TVs) ($14.99/month)
- TV mounting (up to 85-inch TVs) ($19.99/month)
- Professional series appliances
- Pro-series refrigerator ($14.99/month)
- Pro-series stand-alone freezer ($14.99/month)
- Pro-series range/oven/cooktop ($12.99/month)
- Pro-series dishwasher ($7.99/month)
- Pro-series microwave ($4.99/month)
- Pro-series washing machine ($4.99/month)
- Pro-series clothes dryer ($4.99/month)
- Optional appliances
- Central vacuum ($8.99/month)
- Stand-alone freezer ($5.99/month)
- Water softener ($13.99/month)
- Swamp cooler ($14.99/month)
- Second refrigerator ($7.99/month)
- Trash compactor ($7.49/month)
- Ice maker (in fridge) ($3.99/month)
- Freestanding ice maker ($14.99/month)
- Wine cooler/fridge ($11.99/month)
- Water dispenser water line ($4.99/month)
- Instant hot water dispenser ($9.99/month)
- Reverse osmosis water filter system ($14.99/month)
- Home maintenance
- Limited roof leak ($11.99/month)
- Re-key ($9.99/month)
- Gutter cleaning ($14.99/month)
- Pest control ($14.99/month)
- Carpet cleaning ($19.99/month)
- Window washing/cleaning ($19.99/month)
- Power washing (exterior flooring) ($19.99/month)
- Fixtures
- Lighting fixtures ($7.99/month)
- Plumbing fixtures ($7.99/month)
- Pumps/Pumping
- Sump pump ($8.99/month)
- Well pump ($12.99/month)
- Septic system pumping ($12.99/month)
- Ejector pump ($14.99/month)
- Grinder pump ($14.99/month)
- Most popular add-ons for Liberty customers in Wisconsin
- Limited roof leak ($11.99/month)
- Septic system pumping ($12.99/month)
- Sump pump ($8.99/month)
- Well pump ($12.99/month)
- Pool and spa ($19.99/month)
Wisconsin homeowners most often added coverage for limited roof leak repairs, septic system pumping, sump pump, well pump, and pool and spa.
Exclusions
These are notable exclusions from Liberty Home Guard’s sample contract:
- Refrigerator
- Refrigerant
- Ranges/oven/cooktops
- Doors and door seals
- Sensi-heat burners replaced with standard burners
- Air conditioning
- Leaks of any kind
- Gas AC
- Electrical
- Carbon monoxide alarms, smoke detectors, and related systems
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
Liberty Home Guard’s plans start at $49.99 a month and all are within industry-standard pricing. While LHG offers an extensive list of add-ons, they’re priced above the industry standard and can quickly drive up your monthly payment. This provider offers you a customizable service fee, however, allowing you to choose a fee within the range of $65 and $125 per service call. You’ll need to speak with a representative to choose your own service fee, as the online quotes process doesn’t allow you to change the set service fee amount. LHG does charge a $50 policy cancellation fee after the initial 30-day waiting period, and the company offers lower payouts than their competitors (some offering $5,000 or even more). Despite these drawbacks, Wisconsin homeowners choosing to work with LHG will get excellent value for affordable rates.
Using Today’s Homeowner’s unique rating system, Liberty Home Guard earned a 7.8 for customer experience. Liberty offers multiple communication methods on their website, including live chat feature, email, and phone numbers, making communication quick and easy. Requesting a quote was easy. That said, LHG loses points in this category for a lack of transparency. The company buries service fee fine print in their sample contract, while competitors include this information in quote calculator tools.
Excluding digging for service fees, I found the quote process for LHG to be fast because of their helpful quote calculator tool. I appreciate that their quote calculator allows customers to compare plans quickly and easily and incorporates add-on coverage and exclusions more seamlessly than competitors. This allows you to see how add-ons will affect your monthly premium.
I’ve researched dozens of home warranty companies and not seen another receive such consistently positive reviews, earning LHG the highest score for company reputation of any provider on my list. If you prioritize customer perspective, LHG should be your top choice. Thousands of customers have left positive reviews across multiple reputable review platforms, praising LHG for payout follow-through, quick claims resolution, and helpful customer service representatives. I had to dig to find negative reviews but found some commenting on slow claims resolution and confusion surrounding service fees. I’m unsurprised by service fee complaints, as the service fee setup is both unique to Liberty and hidden in a sample contract. It’s reassuring that this provider has outstanding reviews, nonetheless.
| Rating Site | Rating | Number of Reviews |
| BBB | NR* / 4.48 out of 5 stars | 2,453 |
| Trustpilot | 4.7 out of 5 stars | 2,755 |
| Yelp | 1.3 out of 5 stars | 66 |
| 4.7 out of 5 stars | 11,134 |
Editor’s Note: The ratings provided were accurate at the time of writing.
*Note (as of 5/14/24): Recently the Better Business Bureau shifted LHG’s A+ rating to “NR” (Not Rated). We reached out to a representative from LHG for comment and they shared this statement: “Despite the BBB’s alert, our customer satisfaction levels remain by far the highest relative to our scale. Last month, we had the lowest percentage of customer cancellation requests in our entire history. On the BBB’s own platform, Liberty Home Guard has achieved a star rating of 4.5 out of 5 from nearly 2,500 reviews. For added context, the approximately 480 resolved complaints on Liberty Home Guard’s BBB profile equate to an extremely low fraction of a percentage relative to the size and scale of our total customer base. As we navigate this situation, which we believe will be resolved in time, we want to assure you that we remain committed to our customers and their satisfaction; they are the key stakeholders we orient all our efforts around.”
LHG earned a perfect score for their claims process, as the company promises an average response time of within 12 hours of claims being filed, and to dispatch a technician to your home within 24 to 48 hours, so I’m confident LHG aims to resolve breakdowns quickly and effectively. Liberty also offers emergency services with all their plans and at no additional charge, giving you confidence that support will arrive quickly for urgent breakdowns like plumbing stoppages or a failing heating unit.
Liberty Home Guard is available in all 50 U.S. states, proving the provider’s ability to fulfill warranty claims. Liberty’s widespread availability also guarantees access to a large network of trusted technicians that can repair your breakdowns quickly, and assures me of their ability to sustain payout promises. Their 24/7 live chat feature also ensures that you can get help when you need it.
American Home Shield
4.3
Our Rating
American Home Shield (AHS) offers high coverage limits to Wisconsin homeowners, including caps up to $4,000 for appliances and $5,000 for home systems. This is almost double the industry average, as most home warranties cover between $2,000 and $3,000 in payouts. If your home has luxury appliances or systems, I recommend taking advantage of AHS’s incredible coverage limits. AHS has a user-friendly website as well, and their quote calculator includes a start date for coverage, adding a layer of transparency.
American’s plans also cover preexisting conditions, which most providers exclude, giving Wisconsin residents with older homes confidence they won’t be met with surprise claim denials. Another comforting aspect of AHS is its 50 years of experience, giving it plenty of time to develop a robust network of expert technicians locally and nationally. For Wisconsin homeowners needing higher payouts for their expensive home appliances and systems, American Home Shield offers reliable and comprehensive coverage.
AHS has received a troubling amount of negative reviews across multiple reputable review sites. The company averages scores around 2 stars — ratings far lower than those of some competitors, such as Liberty Home Guard. Some negative reviews complain of slow responses to claims and transparency gaps around cancellation fees and denied claims. If you prioritize company reputation, I recommend partnering with a provider with better online review ratings, such as LHG.
American Home Shield offers among the best coverage limits in Wisconsin, with caps up to $4,000 for appliances, including your refrigerator, and $5,000 for systems, such as your air conditioning and electrical systems. These coverage limits stand out among those of their competitors ( typically between $2,000 and $3,000). AHS offers a straightforward and easy quotes process, aided by their user-friendly website. Their quote calculator tool allows you to seamlessly compare plans and prices, and even includes exclusions on the same page. While AHS plans are more costly than those from other providers, their higher coverage limits may make a higher monthly premium worth it for you.
AHS also offers unique coverage, including for preexisting and undetectable conditions. On the downside, though, negative reviews discuss extended wait times for repairs, and AHS only offers a 30-day workmanship guarantee. Earning an 8.6 overall, AHS is on my list of top five best home warranty companies for Wisconsin homeowners for their unique coverage and exceptional payouts.
American Home Shield earned a 9 out of 10 for plans and coverage, offering three tiered plans. ShieldSilver is the lowest tier, covering 14 major systems. ShieldGold, which AHS advertises as their most popular plan, adds nine appliances to the items covered under ShieldSilver. Their most comprehensive plan, ShieldPlatinum, offers unique coverage, building on ShieldGold coverage to add limited roof leak protection, protections against code violations and permits, and a free HVAC tune-up. This could be essential for Wisconsin homeowners if your roof begins to leak when the snow melts or during a heavy period of rain. Another unique feature of their platinum plan is protection for code violations, permits, and modifications, all of which are typically exclusions within competitors’ coverage. Another added benefit to partnering with AHS is their annual HVAC tune-up, offered with ShieldPlatinum only, which can help to keep repair costs lower if your system breaks down.
AHS offers further protections through ShieldAssurance, promising protection for undetectable preexisting conditions, items without maintenance records, and more. ShieldAssurance adds coverage for permits and code violation repairs under ShieldPlatinum as well. These are typically issues that would leave your claims denied, making ShieldAssurance a major benefit to Wisconsin residents who own older homes.
AHS offers two service fee choices of $100 and $125. While higher than those of some competitors, these higher service fees keep your monthly premium lower. I would opt for the $125 service fee option, as AHS’s plans are already more expensive than those of other providers. When secret shopping, I was offered a 40% off any plan discount via email.
| Plan | Monthly Cost* | Service Fee* | Available Discounts |
| ShieldSilver | $59.99, $49.99 | $100, $125 | 40% off |
| ShieldGold | $48.00, $42.00 | $100, $125 | 40% off |
| ShieldPlatinum | $109.99, $99.99 | $100, $125 | 40% off |
*Each monthly cost “pairs” with a service fee. For example, under Shield Silver the $59.99 premium pairs with the $100 service fee.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Muscoda, WI. The cost data presented was accurate at the time of writing.
Available Add-Ons
The following are American Home Shield’s available add-ons and their monthly costs:
- Electronics protection plan ($14.99/month)
- Guest unit ($44.99/month)
- Pool and built-in spa equipment ($44.99/month)
- Septic pump ($5.00/month)
- Well pump ($8.00/month)
American’s electronics protection plan stands out to me, as it provides coverage for an unlimited number of new and used electronic devices. You should note the clearly listed exclusion of secondhand or “as-is” devices. If adding this protection to your coverage, I recommend keeping device purchase receipts. This coverage is an add-on I would go for, as coverage for my work-from-home computer brings peace of mind in case a breakdown happens.
Exclusions
Here is a list of noteworthy exclusions I pulled from American’s sample contract:
- Construction, carpentry, and restoration costs
- Commercial use limitation
- Shared items and systems
- Inaccessible locations
- Non-standard equipment
- Secondary items and services
- Cosmetic damage
- Any feature which is not a primary function of a covered item
- Improper capacity — if item is incorrect size for the home based on industry standard
- Misuse and accidental acts
- Breakdowns, and delayed and/or prevented services due to natural causes
- Known preexisting breakdown
- Flues, chimneys, fireplaces, and exhaust lines
- Power and fuel sources including solar power systems
- Breakdowns covered by other insurance and warranties
- Manufacturer or government recall
- Hazardous materials including mold
- Routine maintenance
- Smart home systems
- Multi-media center
- Outdoor kitchens
AHS was the most transparent with exclusions of any home warranty company I researched. All exclusions are clearly listed on their free quote page, where you can compare plans, add-ons, and see exclusions for both plans and add-ons. These are available in information boxes next to each system or appliance AHS offers coverage for.
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
American Home Shield’s coverage isn’t the most affordable on the market in Wisconsin. AHS’s most comprehensive plan can be $30 more monthly than like plans offered by some of their competitors. That said, the provider earned an 8.7 using TH’s rating system because their monthly premiums are still relatively affordable, and the trade-off for higher monthly payments is access to high coverage limits. AHS also offers two service fee options, allowing you to adjust your monthly premium to fit your budget.
For Wisconsin homeowners with property exposed to extreme weather conditions, the cost of home repair can quickly reach thousands of dollars, especially for more expensive home systems like HVAC. If monthly premium affordability is your priority, I recommend partnering with another company such as Liberty Home Guard or AFC Home Warranty. If you need high coverage limits, AHS is the provider for you.
When researching AHS, I found a number of negative reviews discussing unreturned communication attempts with the business — troubling for a company that’s been in business for 50 years. AHS also lost points in this category for their limited workmanship guarantee of 30 days. In comparison, other providers on my list, such as Liberty Home Guard and Cinch Home Warranty, offer 60-day workmanship guarantees.
My customer experience with AHS was positive because their website is so easy to use. It’s an easy and helpful entry point for new customers and also holds useful tools for current customers, such as articles shedding light on breakdowns that occur in your home.
As I mentioned previously, American Home Shield’s low review ratings are unsettling. My research found negative reviews complaining of contractors that were late or even unresponsive, technicians that actually made problems worse, and rejected claims. Some of the rejected claim issues do seem to arise from not knowing or understanding coverage contract terms, so be sure to review your contract thoroughly before you sign.
Positive reviews praise the company for their excellent coverage and caps and prompt payouts. American also replies to almost all negative reviews — many within 24 hours of the complaint being posted. This isn’t a standard practice among home warranty providers, and gives me confidence that AHS values customer input.
| Rating Site | Rating | Number of Reviews |
| BBB | B / 2.1 out of 5 stars | 11,184 |
| Trustpilot | 2.2 out of 5 stars | 5,332 |
| Yelp | 1.1 out of 5 stars | 1,300 |
| 4.5 out of 5 stars | 33,297 |
Editor’s Note: The ratings provided were accurate at the time of writing.
AHS scored an 8.4 for their easy and speedy claims process. The provider offers a 24/7 customer service line, allowing you to submit a claim any time you need to. You can also track your home repair history and follow up with a rep using your online portal. This is a super helpful tool that is unique to American. AHS’s streamlined and transparent process allows you to have a hands-on approach to your home repair, and keeps you updated easily.
American offers coverage nearly nationwide, providing service in 49 states excluding only Alaska. This shows AHS can make payouts on a wide scale, which it’s done for 50 years. AHS’s coverage also gives you access to the provider’s wide network of expert technicians, helping ensure you won’t need to take advantage of their workmanship guarantee.
Choice Home Warranty
4.3
Our Rating
Choice Home Warranty (CHW) offers two simple and affordable plans covering most common home appliances and systems. This provider is straightforward, providing a plan comparison table as the centerpiece for their quote calculator page, and their plans are easy to understand. I also appreciate that Choice offers 24/7/365 customer service and coverage limits up to $3,000. With affordable plans and coverage limits higher than some of their competitors, such as Liberty Home Guard, Choice Home Warranty is an excellent choice for homeowners who want simple, affordable coverage choices with limits that will curb unexpected out-of-pocket expenses.
Unfortunately, Choice customers have posted a concerning number of negative reviews across multiple review websites, including Yelp, BBB, Trustpilot, and Google, citing issues with slow claims response and failure to honor claims. It seems that some of these reviews center on customers not fully understanding their contract before signing, so be sure to do your research to avoid frustrating situations. While a benefit of Choice’s plan structure is that it’s easy to understand, as there are only two plan options, Choice lacks customizability — including the ability to tailor monthly premiums based on a choice of service fees (the service fee is standard at $85). If you want more customized home warranty coverage, Choice is likely not the best option for you. Additionally, the Arizona Attorney General has filed a consumer lawsuit against Choice Home Warranty, which is concerning.
Earning an 8.1 overall based on Today’s Homeowner rating criteria, Choice Home Warranty is the lowest overall scorer of the companies on my list. The provider has been in business for 14 years and earned a B rating from the BBB, but has a high volume of negative online reviews. This is concerning, but CHW’s continued operations in 48 states give me confidence that the company honors payouts and values customer satisfaction. Choice offers two simple plans and a small list of common add-ons, including limited roof leak and septic system coverage, making them an ideal choice for Wisconsin homeowners with simple needs wanting basic home warranty protection.
Choice Home Warranty offers two plans, both costing under $55 a month. The Basic Plan includes coverage for heating, electrical, and plumbing systems, ductwork, and most common appliances — but not your refrigerator and clothes washer and dryer. CHW’s Total Plan adds coverage for your air conditioning system, refrigerator, and washer and dryer. I would choose the Total Plan because it costs less than $10 more than the Basic Plan, which excludes your most critical appliances and systems.
On the flip side, Choice lost points in this category for their limited range of coverage plans compared to other providers. CHW’s add-ons are also limited but cover items commonly found in family homes, such as a pools and septic tanks.
At the time of this writing, on their website, Choice was offering new customers $50 off and one month of free coverage. While secret shopping, a representative offered me $75 off my chosen plan.
| Plan | Monthly Cost | Service Fee | Available Discounts |
| Basic Plan | $45.00 | $85 | $50 off plus 1 month free |
| Total Plan | $53.33 | $85 | $50 off plus 1 month free |
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Muscoda, WI. The cost data presented was accurate at the time of writing.
Available Add-Ons
These are Choice Home Warranty’s add-on options and their costs:
- Pool: ($15/month)
- Spa: ($15/month)
- Well pump: ($8.33/month)
- Central vacuum : ($3.33/month)
- Limited roof leak: ($5.83/month)
- Second refrigerator: ($3.33/month)
- Stand-alone freezer: ($3.33/month)
- Sump pump: ($3.33/month)
- Additional spa: ($15/month)
- Septic system: ($10/month)
- Septic tank pumping : ($5.42/month)
Exclusions
Choice Home Warranty lists exclusions as they apply specifically to systems and appliances. These are noteworthy exclusions I pulled from Choice Home Warranty’s sample contract:
- HVAC: Outside/underground pipes, window units, refrigerant line sets, portable units, fuel storage tanks, clogged ductwork, and refrigerant
- Water heater: fuel tanks, secondary tanks or tanks exceeding 75 gallons, vents, flues, thermal expansion tanks, and energy management systems
- Electrical system: circuit overload, face plates, all solar, generator, or emergency management systems
- Plumbing system: stoppages caused by collapsed, damaged, or broken drains, vents, or sewer lines outside of the home’s main foundation, damages caused by outside infiltration (such as roots), bathtub, sink, shower, jets, caulking or grouting, septic tanks, holding tanks, water filtration systems, and saunas
The sample contract promises complete coverage for your clothes washer and dryer, built-in microwave, oven/range/cooktop, dishwasher, garbage disposal, and refrigerator (excluding only audio/visual and wifi components), and ceiling fans.
Choice Home Warranty offers two affordable plans, both costing Wisconsin homeowners under $55 a month. CHW’s add-ons are affordable as well, with most costing $8.33 per month or less — making them among the most affordable I’ve seen. While you can find lower service fees from other providers, like Liberty Home Guard’s lowest offering of $65 and AFC Home Warranty’s lowest fee at $75, it’s difficult to find another provider offering more affordable monthly premiums than CHW. Choice Home Warranty also emails discounts to customers, so keep an eye out after requesting your free quote.
Based on my experience and TH’s rating criteria, I gave Choice Home Warranty an 8.4 out of 10 for customer experience. CHW loses points for contacting potential customers often after you request a quote. While some of the contacts, such as emails offering discounts, are helpful, reviews reported that customers feel pressured by the onslaught of communications from service representatives.
The company also buries exclusions. Other providers on my list, including American Home Shield and AFC Home Warranty, make access to exclusions easy by including them on the same webpage as their plan comparison charts. To research CHW’s exclusions I had to dig through a service contract, however. While this isn’t a deal-breaker, it certainly lessened my customer experience. CHW’s website can be difficult to navigate beyond requesting a quote. Overall, however, my experience was largely positive, and the company has positive reviews across multiple websites, indicating that customers largely appreciate their experiences with CHW.
Choice Home Warranty earned an 8.3 for company reputation for their years in business, overall positive online review ratings, and BBB accreditation rating. CHW has been operating for 14 years, proving sustainability, and has earned a B rating from the BBB, proving sound business practices. Unfortunately, Choice has received a concerning amount of negative reviews on the BBB’s website and Yelp. These negative reviews complain of denied coverage when customers felt the breakdown should be covered, aggressive tactics during the sales process, and some even claim that Choice refused to uphold their cancellation policy. Alternatively, Choice’s online reviews give them 3.7-star ratings on Trustpilot and Google, where the company has received an overwhelming majority of their online reviews. Customers praise the company for making payouts as expected and for their knowledgeable and professional service technicians and quick repairs.
| Rating Site | Rating | Number of Reviews |
| BBB | B / 1.04 out of 5 stars | 4,416 |
| Trustpilot | 3.7 out of 5 stars | 39,198 |
| Yelp | 1.1 out of 5 stars | 158 |
| 3.7 out of 5 stars | 18,838 |
Editor’s Note: The ratings provided were accurate at the time of writing.
CHW allows you to file a claim using your online customer portal or through their 24/7/365 customer support phone line. Although some negative reviews complain of extended waits for repairs, many praise the provider for its quick and effective claims process. Per the contract terms, emergency services aren’t made available in Wisconsin, losing them points here. The provider promises to reach out to technicians within four hours of you submitting a claim, but specifies that the technician has 48 hours to accept the service request. This is a longer waiting time than other providers on my list, but wouldn’t be a deal-breaker for me.
Choice offers coverage in 48 states, excluding only California and Washington, earning the company full points in this category and indicating you can expect an experienced network of contractors ready to fix issues that crop up in your home.
AFC Home Warranty
4.3
Our Rating
AFC Home Warranty offers unique membership benefits with all of their plans. These include discounted or free services and products such as:
- Assistance with comparison shopping for homeowners, auto, condo and renters insurance
- A Home Security Concierge to connect you with the best plans and pricing for home security systems
- Repair or replacement coverage for electronics including TVs, laptops, small electronics, smartphones
- Cyber ID protection
These added benefits bring value to partnering with the company beyond home appliances and systems coverage, and are not offered by other home warranty providers.
I also love that, unlike other providers on my list, AFC allows you the option to choose your own technician without forfeiting your lifetime workmanship guarantee. The company requires that your chosen technician be licensed, bonded, and insured, and AFC reps will verify your chosen technician’s credentials once the technician has diagnosed the breakdown. AFC states they operate differently than other home warranty companies by paying technicians at the time of repair — an added benefit that can help a technician feel assured they’ll be paid for their work.
AFC Home Warranty doesn’t offer emergency services without additional fees outside of business hours — a deal-breaker for some. With harsh weather conditions in Wisconsin, waiting for service to avoid additional service fees isn’t always an option, so keep that in mind if opting to sign a contract with AFC. Most providers recognize these services as essential, so it’s disappointing that AFC doesn’t offer them.
AFC offers decent coverage limits of up to $3,000, but the fine print of the contract specifies lower payout limits for certain components of appliances and systems. For example, AFC covers your stove top/range up to $3,000 but will only cover up to $150 for the range exhaust (per the sample contract at the time of writing). Be sure to read through the contract to avoid surprises later.
My experience with AFC Home Warranty was positive overall, with the exception of having to dig deep into the sample contract for some basic information. The provider has strong BBB ratings, and reviews indicate that AFC consistently fulfills contract promises. Their website is incredibly user friendly, and you can customize your plan with multiple service fee options.
AFC offers $3,000 coverage limits (higher than those of Liberty Home Guard) but specifies that some items and/or components receive lower payouts (such as $150 for your garbage disposal and $500 for your built-in microwave). AFC Home Warranty also has better customer reviews, even for their plans providing lower amounts of coverage, than competitors. It seems that given their lower payout offerings, working with AFC will likely bring some out-of-pocket expenses in exchange for their unique and comprehensive coverage offerings, including membership benefits, and coverage for external water and sewer lines and electronics and more through the Diamond Plan — the plan I’d go with if I chose to work with AFC for home warranty protection.
AFC Home Warranty offers four plans, from one covering basic appliances to their exceptional Diamond Plan, though not all plans are available in Wisconsin. While the Diamond Plan is my favorite offering from this provider, the Platinum Plan provides excellent coverage for Wisconsin homeowners as well. AFC’s most basic plan (Silver Plan) covers the nine most frequently used appliances. The Gold Plan increases coverage to 15 appliances and systems, including electrical, plumbing, and heating systems. Their Platinum Plan, my choice for Wisconsin homeowners, covers 18 appliances and systems, including major home systems and appliances plus comforts like a built-in microwave and refrigerator ice maker. The Diamond Plan covers everything the Platinum Plan does and adds coverage for electronics and exterior water and sewer lines, but a representative told me the Diamond Plan isn’t offered in Wisconsin because the company doesn’t have access to qualified technicians for the additional coverage in that area.
AFC Home Club offers three service fee options ($75, $100, and $125), allowing you to customize your monthly premium. During the process of requesting a quote, I was offered a $100 discount, as well as free roof limited leak coverage — a valuable bonus for Wisconsin homeowners.
| Plan | Monthly Cost | Service Fee* | Available Discounts |
| Silver Plan | $39.08, $36.75, $34.33 | $75, $100, $125 | $100 off, free roof leak coverage |
| Gold Plan | $53.17, $50.83, $48.50 | $75, $100, $125 | $100 off, free roof leak coverage |
| Platinum Plan | $57.92, $55.58, $53.17 | $75, $100, $125 | $100 off, free roof leak coverage |
*Your chosen service fee will alter your monthly premium. AFC Home Warranty offers three service fee choices of $75, $100, and $125. The monthly premiums are reflected in the chart above in the same order as its correlating service fee. For example, when choosing the Platinum Plan and a $75 service fee your monthly premium without add-ons is $57.92. However, if you select the $125 service fee option with the Platinum Plan, your monthly premium will be $53.17 before optional add-ons.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Milwaukee, WI. The cost data presented was accurate at the time of writing.
Available Add-Ons
These are the add-ons offered by AFC Home Warranty at the time of writing:
- Central vacuum ($3.33/month)
- Lawn sprinkler system ($5.83/month)
- Pool ($8.33/month)
- Roof leak ($0/month)
- Septic system ($5.83/month)
- Spa ($5.83/month)
- Stand alone freezer ($3.33/month)
- Sump pump ($3.33/month)
- Well pump ($3.33/month)
Exclusions
These are some noteworthy exclusions I found from AFC Home Warranty:
- Range hood
- Solar heating systems
- Water softeners
- Hot tubs
- Clogged pipes
- Sealed systems
Note that per its contract AFC Home Warranty doesn’t cover items homeowners haven’t properly maintained and reserves the right to determine whether breakdowns result from improper maintenance. You also must provide a prior annual maintenance log from a licensed technician proving you’ve followed up with recommended past repairs before HVAC or tankless water heater service requests are accepted — your coverage is forfeited without this log. While this policy isn’t unheard of, it will be prohibitive for some homeowners, especially those with older homes.
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
AFC Home Warranty offers competitively priced plans for Wisconsin homeowners, costing between $34 and $58 a month, which is slightly below the standard for providers on my list. If you want comprehensive coverage on a budget, AFC provides options for affordable home systems and appliance coverage. AFC scored higher here for their wide-ranging service fee choices. Additionally, add-ons with this provider are more affordable than other providers on my list, making customization that much easier with AFC.
I found AFC’s website user friendly and easy to navigate. It’s easy to compare plans and prices, see how add-ons, discounts, and service fee choices will affect your monthly premium, and access sample contracts for each plan, all from two web pages. AFC provides a truly simple shopping experience I was grateful for.
AFC Home Warranty also avoids pushy sales tactics and is the only company I didn’t receive multiple emails, texts, and calls from. They offer 24/7/365 customer service, and online reviews highlight positive experience with service representatives, citing professional and polite interactions with AFC’s team.
AFC Home Warranty earned an 8.3 for company reputation, and has mostly positive review ratings across multiple reputable platforms. AFC actively engages with reviews, responding to both positive and negative ones, demonstrating their dedication to customer feedback.
AFC Home Warranty has fewer reviews than competitors — I would expect the company to have more than 2,500 total reviews since they’ve been in business for 14 years. Positive reviews highlight fast claims processes and technicians responding to and resolving breakdowns quickly. Negative reviews complain about denied claims. Overall, I found AFC Home Warranty to have a solid company reputation.
| Rating Site | Rating | Number of Reviews |
| BBB | B / 2.21 out of 5 stars | 147 |
| Trustpilot | 3 out of 5 stars | 24 |
| 3.7 out of 5 stars | 1,618 | |
| Yelp | 1.9 out of 5 stars | 339 |
Editor’s Note: The ratings provided were accurate at the time of writing.
AFC Home Warranty offers a lifetime workmanship guarantee, which far surpasses the industry standard of 30 to 60 days. This means that if a technician needs to reassess repairs, you won’t pay additional fees. With AFC’s wide network of technicians and 24/7 customer service availability, filing a claim is simple and repairs can move quickly.
AFC lost points for their lack of emergency services without additional fees. Emergency services can be essential for Wisconsin homeowners, so be sure to carefully consider your need for them if choosing to partner with this provider.
AFC Home Warranty offers coverage in 48 states, though not all of their plans are available in all states.
2-10 Home Warranty
4.3
Our Rating
2-10 offers Wisconsin homeowners an unlimited workmanship guarantee — the best in the business. Once you’ve paid a service fee to repair a covered item, 2-10 will ensure that repair remains in good standing for your entire service agreement term. I also love that this provider uses an “even if” service fee guarantee, allowing you to create a claim to have your service fee reimbursed if a technician determines you aren’t eligible for coverage. 2-10 Home Buyers Warranty has been in business for 40 years and has earned an A rating with the BBB, boosting its credibility and inspiring confidence that the company will fulfill payout promises.
My biggest complaint with this home warranty provider is their lower coverage limits of $2,000. Most other providers offer limits between $2,000 and $3,000, and some, such as American Home Shield, offer much higher limits. I’m also disappointed that 2-10 only offers coverage for clothes washers and dryers with their most comprehensive plan. While 2-10 also offers this coverage as an add-on, other providers commonly offer it as part of their lower-tier appliance-only plans.
2-10 Home Buyers Warranty earned an 8.6 out of 10 based on TH’s unique rating system, which falls near the top scores of providers on my list. Their unlimited workmanship guarantee sets them apart from competitors and ensures that repairs are in good standing for the lifespan of your contract without additional fees — a huge perk, especially when compared to the average guarantee of 30 to 60 days. Additionally, their “even if” service fee guarantee provides further protections for you in the event that your breakdown is not covered by your service contract, allowing you to file a reimbursement claim for your service fee. 2-10 offers affordable monthly premiums, with payouts that reflect their monthly premiums (I would expect to see lower payouts with lower monthly premiums).
I’m disappointed that washer and dryer coverage is offered only with their premium plan (Pinnacle Home) or as an add-on, as most companies consider coverage for these appliances as basic. That said, 2-10 Home Warranty is a reliable choice for the budget-conscious Wisconsin homeowner.
2-10 Home Buyers Warranty offers three plans: Simply Kitchen, Complete Home, and Pinnacle Home. Simply Kitchen runs $27 a month and covers kitchen appliances, including built-in microwave, dishwasher, refrigerator, and more. Complete Home, costing $39 monthly, adds HVAC, plumbing systems, and electrical systems to Simply Kitchen’s coverage. Pinnacle Home adds a washer and dryer, as well as the Supreme coverage feature, which extends additional coverages for appliances, heating, cooling, plumbing and electrical systems. If I chose to work with 2-10 to protect my home, I’d opt for Pinnacle Home at $51 a month as washer and dryer coverage is essential for my home, and opting for any other plan but adding washer and dryer coverage with this provider results in similar prices for less coverage. Adding washer and dryer coverage is $6 per month, but for $10 more monthly, you could add coverage for your washer and dryer, ceiling and exhaust fans, certain concrete-encased leaks, and more.
The Simply Kitchen and Complete Home plans don’t cover much on their own, causing 2-10 to lose points in this category. That said, the company maintains a midrange score here by allowing monthly premium customization with three service fee options of $65, $85, and $100. When I was secret shopping, I was also offered a $60-off discount and two months free via email.
| Plan | Monthly Cost | Service Fee* | Available Discounts |
| Simply Kitchen | $41.00, $35.00, $32.00 | $65, $85, $100 | $60 off plus two months free |
| Complete Home | $ 61.00, $55.00, $52.00 | $65, $85, $100 | $60 off plus two months free |
| Pinnacle Home | $75.00, $69.99, $66.00 | $65, $85, $100 | $60 off plus two months free |
*2-10 Home Buyers Warranty provides quotes based on their $85 service fee option. However, opting for their $100 service fee option saves you $3 per month on whatever plan you choose, and opting for their $65 service fee adds $6 to your monthly premium on all plans.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Muscoda, WI. The cost data presented was accurate at the time of writing.
Available Add-Ons
2-10 Home Buyers Warranty offers the following add-ons:
- Luxury package ($6/month)
- Garage door opener ($3/month)
- Pre-season HVAC tune-up ($8/month)
- HVAC surplus ($10/month)
- Roof leak ($8/month)
- Extended pipe leak ($5/month)
- Septic system ($4/ month)
- Additional freestanding freezer ($4/month)
- Well pump ($6/month)
- Saltwater pool ($30/month)
- Additional pool ($15/month)
- Additional refrigerator ($5/month)
- Freshwater pool ($18/ month)
- Water softener ($8/month)
- Washer and dryer ($6/month)
- Additional wet bar refrigerator ($4/month)
- Additional built-in wine cooler ($4/month)
- Second additional refrigerator ($8/month)
- Second additional freestanding freezer ($7/month)
- Second additional built-in wine cooler ($7/month)
- Second additional wet bar refrigerator ($7/month)
2-10 offers the second most add-ons of any company on my list, second only to Liberty Home Guard. If your Wisconsin home has unique features and you want affordable add-on coverage, 2-10 is the best provider for you.
Exclusions
2-10 coverage has the following exclusions:
- Accidents
- Commercial grade appliances
- Contamination or chemical interactions
- Damage caused by another item or component
- Damage due to neglect, misuse, or abuse
- Electrical failure/surge
- Explosion damage
- Failure caused outside of normal wear and tear
- Flooding or water intrusion
- HVAC units with capacity over five tons
- Natural disasters
- Movement of your home infrastructure
- Missing parts
- Pest damage
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
2-10 Home Buyers Warranty earned a 9.6 for affordability — the highest of any company on my list. Depending on your chosen service fee, plans can cost between $27 and $51 a month — much less than those of competitors like American Home Shield. Comprehensive coverage usually starts around $60 a month, so the Pinnacle Home plan is a bargain. This provider also offers service fees as low as $65, allowing further customization of your monthly premium. 2-10 also offers an impressive list of 20 add-on options, all at incredibly affordable rates. For the budget-minded Wisconsin homeowner, 2-10 is a fantastic choice.
2-10 Home Buyers Warranty offers an easier quotes process than some competitors, with a quote calculator that allows you to customize your service fee and add-on coverage from one screen. 2-10 offers a standard waiting period of 30 days, and a 30-day money back guarantee. Customers report slow response to emergency situations, causing the company to lose points. While the provider promises to respond to emergency breakdowns within 24 hours, some competitors, like Liberty Home Guard, promise response within 12. That said, my experience with 2-10 was positive, as their quotes process is simple and easy and their website is user friendly.
2-10 Home Buyers Warranty earned an 8.9 for company reputation for their positive customer reviews, their 19 years in business, and their BBB rating. The provider earned an A rating from the BBB and is accredited with the National Home Service Contract Association, demonstrating their legitimacy as a company. 2-10 has average customer review ratings, ranging between 1.1 and 4.2 stars, though it’s important to note that most of their online reviews contribute to their 4.2-star rating on Google. I found negative reviews discussing a lack of response from contractors and 2-10 service representatives, and claim denials that customers felt should have been covered. Alternatively, I found positive reviews praising technicians for their speedy and considerate work, friendly personalities, and the high quality of repairs.
| Rating Site | Rating | Number of Reviews |
| BBB | A / 1.24 out of 5 stars | 416 |
| Trustpilot | 2.1 out of 5 stars | 10 |
| Yelp | 1.1 out of 5 stars | 1,322 |
| 4.2 out of 5 stars | 6,774 |
Editor’s Note: The ratings provided were accurate at the time of writing.
2-10 is one of two home warranty companies I’ve researched that offers an online portal where you can file your claim and track its progress 24/7 — a rare feature that could save you time and aggravation. Outside business hours, you can file a regular or emergency claim using the company’s automated phone system. This provider aims to respond within 48 hours but doesn’t promise service within a specific timeframe — contrasting with Liberty Home Guard and Elite Home Warranty, with response times of 12 to 24 hours. For situations deemed emergencies by 2-10’s definition, the company will try to initiate service within 24 hours, but no guarantees.
2-10 is available in 48 states across America and offers emergency services, earning them a perfect availability score.
Calculate the Cost of Wisconsin Home Warranty
Our home warranty cost calculator can help you determine the yearly costs associated with your specific home warranty plan. Below, input your estimated monthly premium, service requests fee, and the number of claims you anticipate having to calculate your yearly home warranty cost.
| Appliance | Average Repair Cost | Average Replacement Cost |
|---|---|---|
| Dehumidifier | $50–$200 | $1,300–$2,800 |
| Microwave | $50–$400 | $60–$2,000 |
| Dishwasher | $50–$500 | $400–$3,000 |
| Exhaust Fans | $16–$300 | $250–$950 |
| Electric Range | $100–$500 | $230–$3,000 |
| Gas Range | $100–$500 | $230–$3,000 |
| Dryer | $100–$400 | $450–$2,300 |
| Oven | $100–$430 | $400–$3,000 |
| Washer | $50–$450 | $400–$2,300 |
| Freezer | $90–$500 | $160–$2,900 |
| Refrigerator | $40–$350 | $200–$5,000 |
Wisconsin Home Warranty Regulations
Wisconsin home warranty holders are protected by Wisconsin Legislature Act 226, which outlines regulations governing what it refers to as property service contracts in the state. These include the responsibility of the home warranty provider to clearly distinguish that it is not providing insurance and to be licensed in the state. If you find your home warranty provider isn’t complying with the terms of Act 226, you can file a complaint with the Wisconsin Office of the Commissioner of Insurance.
Editor’s Note: While this article highlights certain regulations, it’s vital for readers to do their own research, as the mentioned regulations are not exhaustive.
This site receives compensation from the companies featured in this listing, which may impact where and how products appear. This listing doesn’t feature all companies, products, or offers that may be available.
Frequently Asked Questions
You need a home warranty in Wisconsin if you want protection for your home beyond your insurance plan and savings account. However, if you’re handy with home repair or own appliances with manufacturer’s warranties, you can opt for a systems-only plan or no home warranty plan altogether.
The average cost of a home warranty in Wisconsin is between $49 and $70 a month, or between $550 and $700 annually — based on quotes I got while secret shopping for a two-bedroom, two-bathroom single-family home in Meridian, Wisconsin.
Some home warranty providers offer discounts simply for calling to speak with a representative, so be sure to call to secure those discounts. You should also request free quotes from multiple top providers in your area to find the best deal for your home.
A home warranty is worth it for Wisconsin homeowners who want financial protection when breakdowns occur or support in the regular maintenance of their home (mostly available through add-on coverage). While my recommendations have been for comprehensive plans, if you own appliances that are new or are covered by manufacturer’s warranties, I would recommend researching less comprehensive or systems-only plans. Alternatively, if you are handy with home repair, or are comfortable paying out-of-pocket for repairs, you may want to opt out of home warranty coverage altogether. A home warranty provider can be a godsend as a one-stop solution to home repair, giving you more time to do what matters most to you, like grabbing a craft brew with friends or hiking the Ice Age National Scenic Trail.
