Our team picked American Home Shield as the best home warranty company in Wisconsin. The company offers robust coverage for systems and appliances, including protection for items with existing damage. We also like Choice Home Warranty for its affordable comprehensive protection of systems and appliances for less than $70 per month.
Home warranties can offer value for Wisconsin homeowners, especially during harsh winters when keeping your heating systems running is crucial. A home warranty connects you with a contractor for service and covers repair costs when things go wrong. We reviewed 13 leading home warranty providers nationwide and narrowed our list to Wisconsin’s top options. Keep reading to find the best plan to protect your home.
Key Takeaways
- We selected American Home Shield as the top provider in Wisconsin, matching our 2025 survey results, in which 68% of residents also chose the company.
- The average home warranty cost in Wisconsin ranges between $46 and $80 per month, or $536 and $941 per year.
- Our survey of 2,000 home warranty customers nationwide found that 57% of Wisconsin homeowners chose coverage for their heating or furnace systems.
Wisconsin’s Top 5 Home Warranty Companies
The highest-rated Wisconsin home warranty companies include the following:
- American Home Shield: Best for Comprehensive Coverage
- Choice Home Warranty: Best Basic Plan Coverage
- AFC Home Warranty: Best Technician Flexibility
- Liberty Home Guard: Best Customer Support
- Cinch Home Services: Best Additional Perks
Comparing the Best Home Warranty Companies in Wisconsin
Before selecting our top picks for Wisconsin, we compared each provider’s monthly cost, Better Business Bureau (BBB) rating, and service call fee options, which you pay for each repair visit. Below, we compare these top picks based on some of these key factors.
Note: We based the pricing information in this table on the averaged costs of sample quotes we pulled for single-family homes over and under 5,000 square feet in all 50 U.S. states. Your pricing may vary depending on your home’s location, size, type, and plan selections.
BBB ratings accurate as of March 2025. A “No Rating” or “NR” indicates that the BBB has not issued a rating due to an ongoing review or update to a company’s profile.
Reviews of the Best Home Warranty Companies in Wisconsin
Here’s a detailed look at our top home warranty picks in the Badger State.
American Home Shield
American Home Shield (AHS) has been in business since 1971 and is a veteran in the home warranty industry. The company provides comprehensive system and appliance coverage with high limits for Wisconsin homeowners seeking whole-home protection.
Why We Chose American Home Shield
We consider AHS the best provider for comprehensive coverage due to its three coverage plans, multiple service call fees, and higher coverage caps. The company offers up to $4,000 in home appliance coverage and $5,000 for major systems.
Pros and Cons
Pros
- Covers damage from rust and corrosion, and undetectable preexisting conditions
- Offers flexible service fees
- Provides roof leak coverage with its highest plan
Cons
- Charges higher monthly premiums compared to other providers
- Doesn’t offer as many add-on options as other companies
Plans and Pricing
American Home Shield offers three home warranty plans: ShieldSilver, ShieldGold, and ShieldPlatinum. ShieldSilver offers system-only coverage, while the other two plans provide combined system and appliance protection. The ShieldPlatinum plan is the most comprehensive and includes added perks, including free roof-leak coverage and a free HVAC system tune-up.
American Home Shield 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 ($42 per month): Covers 14 home systems, such as ductwork, HVAC, and electrical
- ShieldGold ($62 per month): Covers major systems and appliances, including plumbing, cooktops, and toilets
- ShieldPlatinum ($92 per month): Provides ShieldGold protection, plus added benefits including roof-leak coverage.
- Optional add-ons: Up to add-ons, including electronics, pools and spas, roof leaks, guest units, septic pumps, and well pumps
Our American Home Shield tester filed a claim for a bathroom and kitchen floor leak and found the process quick and simple. He submitted the claim through his smartphone and received confirmation within minutes, followed by a prompt call from a local contractor. The contractor arrived the next morning, completed the repair in two hours, and provided helpful advice on mold prevention. Overall, our tester was satisfied with the professional service and only had to pay the service call fee.
Choice Home Warranty
Choice Home Warranty is a solid choice for budget-conscious homeowners looking for mid-range coverage. With combination plans costing less than $70 per month, Choice offers a more affordable option compared to some competitors, such as American Home Shield and AFC Home Warranty.
Why We Chose Choice Home Warranty
Choice Home Warranty stands out with a $3,000 coverage cap per item, exceeding the limits of Liberty Home Guard and Cinch Home Services. The company also provides a 90-day guarantee on parts and a 60-day guarantee on labor, covering repeat repairs at no additional cost. These features make Choice a good option for homeowners who need system and appliance coverage at lower rates.
Pros and Cons
Pros
- Backs repairs with a 60-day guaratee for labor and 90 days for parts
- Offers $3,000 coverage limits for most covered items
- Provides comprehensive system and appliance coverage for less than $70 per month
Cons
- Doesn’t cover some key systems and appliances under its lowest plan, including washers and dryers
- Has an ongoing legal case with the Arizona Attorney General
Plans and Pricing
Choice Home Warranty offers two plans: the Basic Plan and Total Plan. Both plans cover a mix of systems and appliances, with the Total Plan offering more robust protection. The Basic Plan excludes some key items, such as air conditioners, refrigerators, and clothes washers and dryers. Most providers include these items in their basic plan but with Choice, you must buy the higher level Total Plan to receive this coverage.
Choice Home Warranty offers a flat $100 service call fee for all repairs, which limits options for pricing customization. This higher rate may not seem like the most cost-effective option for homeowners with smaller repair needs compared to providers with flexible fees.
We detailed Choice Home Warranty’s plans and monthly costs below:
- Basic Plan: Covers 14 systems and appliances, such as built-in microwaves, ranges, and garbage disposals
- Total Plan: Covers 18 appliances and systems, such as air conditioning units, clothes washers, clothes dryers, and refrigerators
- Optional add-ons: Up to 10 add-ons, including central vacuum, well pump, sump pump, and second refrigerators
AFC Home Warranty
AFC Home Warranty offers various customizable plans, solid home protection, and unique customer benefits such as free credit monitoring and emergency alert services.
Why We Chose AFC Home Warranty
AFC Home Warranty stands out for flexible plans, including its two service call fees and four plans, making it a good option for homeowners looking for customized coverage and pricing. It also offers a plan-length workmanship guarantee and exclusive membership perks, which many other providers don’t include in their plans.
Pros and Cons
Pros
- Allows you to use any licensed contractor for repairs
- Extends an unlimited workmanship guarantee that lasts the life of the plan
- Offers unique benefits such as free credit monitoring, discounts on appliances, and emergency services
Cons
- Charges a $75 cancellation fee
- Excludes coverage for unknown preexisting conditions
Plans and Pricing
America’s First Choice Home Warranty offers four plans at varying levels of coverage: a Silver Plan, a Gold Plan, a Platinum Plan, and a Diamond Plan. 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. The Diamond Plan extended coverage by protecting electronics and sewer and water lines.
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 (Call for a quote): Covers nine appliances, including cooktops, garage door openers, and kitchen refrigerators
- Gold Plan ($44 per month): Covers nine appliances and six home systems, water heaters, dishwashers, and stoves
- Platinum Plan ($51 per month): Covers 10 appliances and nine home systems, such as built-in microwaves, plumbing stoppages, and fans
- Diamond Plan ($82 per month): Includes Platinum Plan coverage, and adds coverage for electronics and exterior water and sewer lines
- Optional add-ons: Up to eight add-ons, including in-ground pools, roof-leak protection, septic systems, sump pumps, and well pumps
Liberty Home Guard
Liberty Home Guard (LHG) offers one of the largest add-on catalogs we have seen with a provider. Its suite of 42 options includes pro and high-end appliances, pools, guest houses, and water softeners. You can also add home maintenance services like gutter cleaning, pest control, and re-key services.
Why We Chose Liberty Home Guard
Liberty Home Guard offers specialized coverage plans to help you tailor coverage to your needs. In addition to an extensive add-on catalog, plans include a 60-day workmanship guarantee, double the industry standard.
Pros and Cons
Pros
- Provides a 24/7 live-chat feature on its website for quick customer service
- Extends a 60-day workmanship guarantee
- Offers up to 42 unique add-ons
Cons
- Lacks transparency with its service call fee pricing when pulling a quote
- Limits electrical and plumbing systems caps to $500 per claim
Plans and Pricing
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.
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 ($56 per month): Covers appliances, such as dishwashers, clothes washers and dryers, and refrigerators.
- Systems Guard ($62 per month): Covers built-in systems, such as air conditioning, heating, ductwork, and water heater
- Total Home Guard ($68 per month): Covers all the items in the Appliance Guard and Systems Guard plans
- Optional add-ons: Up to 42 options, including pest control, lighting fixtures, gutter cleaning, floor cleaning, and generator coverage
Cinch Home Services
Cinch Home Services is another provider that offers comprehensive appliance and systems coverage. It’s also one of the few providers—in addition to American Home Shield—that offers coverage for unknown preexisting conditions.
Why We Chose Cinch Home Services
Cinch offers several perks, such as its lengthy 180-day workmanship on completed repairs. 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 re-servicing guarantee.
Pros and Cons
Pros
- Covers items damaged by rust and corrosion
- Offers a $500 home insurance deductible reimbursement
- Provides an air conditioner or water filter credit of $25 with each plan
Cons
- Does not offer roof-leak protection
- Offers a short list of add-ons mainly limited to pools and spas
Plans and Pricing
Cinch Home Services offers three plans: the Appliances Plan, Built-In Systems Plan, and Complete Home Plan. It also offers a flexible service call fee model, with options for service fees of $100, $125, or $150. The company includes an annual coverage limit of $10,000. This means that Cinch covers repair or replacement costs up to this limit for each approved claim. Any payouts for covered repairs throughout the year are deducted from the total, so once the $10,000 limit is reached, additional costs become the homeowner’s responsibility. You can also add the Premier Upgrade Package to increase limits up to $1,000 to help pay for unforeseen expenses during a claim, such as debris removal or code upgrades.
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 ($72 per month): Covers 12 appliances, such as clothes dryer, washer, built-in food center, freestanding ice maker, microwave, and refrigerator
- Built-In Systems ($79 per month): Covers 16 built-in systems, such as water heater, air conditioner, built-in trash compactor, smoke detector, and jetted tub
- Complete Home ($95 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: Up to six add-ons, such as septic tank and pumping, pool or spa with heater, pool and spa combo with heater, well pump, and the Premier Upgrade package
Home Warranty Regulations in Wisconsin
Wisconsin’s Department of Agriculture, Trade and Consumer Protection (DATCP) oversees the regulation of property service contracts. While it doesn’t clearly label home warranties as property service contracts, the DATCP still provides consumer protection via an online complaint form. You can submit a complaint with the DATCP if you believe your home warranty company is neglecting its contractual obligations.
Industry organizations also oversee home warranty regulations. A prominent example is the Service Contract Industry Council (SCIC). This trade association primarily handles regulation development. Another industry association is the National Home Service Contract Association (NHSCA). The NHSCA ensures member companies follow a code of ethics centered on fair business practices.
How Much Does a Home Warranty Cost in Wisconsin?
The average home warranty cost in Wisconsin ranges between $46 and $80 per month, or $536–$941 per year. This is similar to national average home warranty costs, which range from $47–$82 per month, or $564–$984 per year.
The cost of a home warranty can vary based on a few key factors, most notably the plan premium and service call fee. Generally, the more items a plan covers, the higher the premium. Service call fees usually fall between $75 and $125 per visit, and you’ll pay this rate each time a contractor comes out to your home. Other factors that can affect the cost include the type of coverage you choose, the age and condition of your home’s systems, and any extra add-ons, like coverage for pools or septic systems.
Do Home Warranties Cover Older Appliances?
Home warranties typically cover older appliances, as most companies don’t exclude coverage based on age. However, the level of coverage may vary depending on the specific plan and provider. Some companies may have limits on coverage for older systems or require additional fees for high-risk items.
It’s also important to note that many home warranty companies do not cover pre-existing conditions, meaning if an appliance or system was already malfunctioning before the warranty was in place, it may not be covered. It’s important to carefully review any plan’s terms and conditions to avoid surprises, especially regarding age restrictions and preexisting conditions.
Expert Takes on Home Warranties
Our team sourced various experts to answer common questions about home warranties. Here is what they had to say:
- Are home warranties trustworthy? Gary Parker, a licensed Realtor, suggests the following: “Check if the company is licensed and belongs to professional organizations or associations that uphold ethical standards.” Companies that are part of organizations that enforce fair business practices are considered more trustworthy.
- How do I select the right Wisconsin home warranty company? Patrick Grayson, a real-estate expert associated with Paramount Property Buyers, emphasizes the importance of verifying a provider offers multiple plans. “When shopping for a home warranty, consider the coverage that each company offers and make sure it fits your needs.” He continues, “Some companies may offer more coverage than others, so make sure to compare all your options.”
- What should I ask before purchasing a Wisconsin home warranty? Daniel Cabrera, founder of Sell Your House Fast, recommends asking the following: “What are the limits and exclusions when buying a home warranty?” He adds, “Homeowners should understand what specific items, parts, or situations the company excludes from the warranty.”
Other Resources for Wisconsin Residents
FAQs About Wisconsin Home Warranties
Which home warranty company is the best?
Our team chose American Home Shield as the top home warranty company in Wisconsin. However, the right home warranty for you should cover the most important systems and appliances in your home and match your budget. Some home warranty providers leave out key appliances or systems in basic plans, including air conditioning or plumbing stoppages, so pay attention to each plan’s coverage before signing a contract.
Which home warranty covers the most items?
Typically, a company’s highest-tier plan offers the most coverage, with protection for both systems and appliances. However, this option will also cost the most. If you’re looking for maximum coverage based on the companies reviewed, American Home Shield’s ShieldPlatinum plan offers the most coverage for appliances and systems.
Our Rating Methodology
We evaluated each home warranty company using a comprehensive rating methodology. Our research involved speaking with company representatives, gathering quotes, reviewing sample contracts, and conducting surveys and focus groups with homeowners. We also performed secret shopping by purchasing home warranty coverage from 11 leading providers.
Using this data, we rated providers across six key comparison factors relevant to the home warranty shopping process. After scoring each factor, we totaled the points to 100 and converted the final score into a 5-star rating.
Here’s a breakdown of our weighted factors:
- Coverage: We assessed the comprehensiveness of each provider’s coverage, including whether plans cover standard and unique items. Providers with more coverage and higher annual limits scored higher, while having long waiting periods or depreciation policies resulted in lower scores.
- Cost: We compared average monthly premiums and service call fees, favoring providers with pricing at or below industry averages and no additional charges. Providers with transparent pricing earned the highest scores.
- Trustworthiness: We reviewed customer ratings on sites like the BBB and Trustpilot, National Home Service Contract Association (NHSCA) membership, workmanship guarantee length. Providers with strong ratings, long workmanship guarantees, and no legal issues scored higher.
- Plan transparency: We evaluated the clarity of each company’s terms, policies, and disclosures in contracts and online. Providers with clear and accessible details earned higher scores.
- Customer support: We examined customer support’s responsiveness, including claims filing options and response times. Companies offering efficient and helpful support scored higher.
- Flexibility: We awarded higher scores to providers with better plan variety, extensive add-ons, technician selection, and flexible cancellation policies.
