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Best Home Warranty Companies In rhode island 2025

Rhode Island’s unique climate and weather can put stress on your home. A home warranty can safeguard your budget against unexpected repairs. This guide explores the best home warranty companies in Rhode Island, considering factors crucial for Rhode Island homeowners. We’ll review each company’s strengths and weaknesses and provide general tips to help you find the perfect warranty plan for your needs.

Our Picks: 5 Best Home Warranty Companies For rhode island Residents

Here is the list of top home warranty companies in Rhode Island. They offer comprehensive coverage and exceptional service to safeguard your home and budget.

OUR #1 PICK
1

Elite Home Warranty

  • Reliable coverage for small homes and unique systems.
  • Add-ons available for pools, spas, and water softeners.
  • Transparent contracts with no hidden fees.
$150 Off + 1 Month Free. 30 Day Free Trial!
4.9
Excellent
fourhalf_star
Call Now
MOST POPULAR
2

Choice Home Warranty

  • Comprehensive coverage for small and mid-sized homes.
  • Transparent pricing with no hidden costs.
  • High annual payout caps for extensive repairs.
1st month free + Free roof coverage
4.1
Excellent
fourhalf_star
BBB ACCREDITED
3

America’s First Choice

  • Ideal coverage for small and mid-sized homes.
  • Transparent contracts with detailed exclusions.
  • High customer ratings for responsive claims processing.
20% Off All Plans + Free Roof Leak Coverage
4.3
Excellent
fourhalf_star
BEST RATED BY U.S. NEWS
4

ARW Home – American Residential Warranty

  • Affordable plans with flexible pricing options.
  • Wide variety of add-on coverages for customized protection.
  • Excellent customer support and transparent terms.
2 Months FREE* on All Plans
4.3
Excellent
fourhalf_star
5

Regency Total Home Warranty

  • Covers essential home systems and appliances for peace of mind.
  • Available in all 50 states for consistent service.
  • Round-the-clock assistance for claims and repairs.
$300 Off + 2 Months Free + FREE Limited Roof Leak Protection
4.1
Excellent
fourhalf_star

Are Home Warranty Plans Beneficial For Rhode Island Homeowners?

For Rhode Island homeowners, facing a broken appliance or malfunctioning home system can disrupt daily life and strain the budget. Fortunately, home warranty plans offer a valuable safety net. Let's explore the specific ways home warranty plans benefit Rhode Island homeowners.

  • Rhode Island's coastal location exposes homes to harsh weather conditions, including heavy rains, snowstorms, and coastal winds. A home warranty plan covers essential systems like heating, plumbing, and electrical, safeguarding against weather-related damages.
  • With its low-lying coastal areas and proximity to the ocean, Rhode Island's geography increases the risk of flooding and water damage. Home warranty plans can cover repairs or replacements of appliances and systems affected by water-related issues.
  • With Rhode Island experiencing frequent storms and hurricanes, homeowners can benefit from the peace of mind offered by a home warranty plan. It ensures prompt assistance and financial protection for repairs needed due to storm damage.
  • Rhode Island's humid climate can contribute to the wear and tear of home appliances and systems. A home warranty plan covers the cost of repairs or replacements due to humidity-related issues, such as mold growth or malfunctioning air conditioning units.
  • Saltwater exposure makes Homes near the coast particularly susceptible to corrosion and erosion. Home warranty plans cover coastal homeowners, offering repair or replacement services for corroded appliances or systems.
  • Rhode Island's cold winters necessitate reliable heating systems in homes. A home warranty plan ensures that heating systems are well-maintained and promptly repaired, keeping homes warm and comfortable during the chilly winter.
  • Severe weather events in Rhode Island can lead to power outages, potentially affecting home appliances and systems. A home warranty plan can cover repairs or replacements for appliances damaged during power surges or outages.
  • Home warranty providers offer customizable plans tailored to the specific needs of Rhode Island homeowners, taking into account the state's weather patterns and geographical conditions. This ensures comprehensive coverage for all essential home systems and appliances.

How Much Does A Rhode Island Home Warranty Cost?

Here's a breakdown of the average costs in Rhode Island:

Average Annual Cost

$720

Average Monthly Cost

$60

Average Service Fee (Deductible)

$75 - $125

The average cost of a home warranty in Rhode Island can vary depending on several factors, including:

  • Coastal Concerns: The salty air and frequent coastal storms in Rhode Island can be harsh on electrical systems and appliances.  Warranties with comprehensive electrical coverage cost more compared to plans for inland areas.
  • Heating System & Winter Woes: Reliable heating is crucial during Rhode Island's frigid winters.  Warranties with strong coverage for heating repairs, especially during peak winter months, tend to be pricier than plans in milder climates.
  • Age of Historic Homes:  Rhode Island is known for its archaic homes, which can have aging plumbing and electrical systems.  Warranties offering coverage for repairs to these older systems come at a premium compared to plans designed for newer homes.
  • Limited Service Area Impact: While Rhode Island is small, geographic limitations can still exist. If you live in a more remote area, be prepared for potentially higher service call fees due to technician travel distances, impacting the overall cost.
  • Demand for AC Coverage: Heat waves can strain AC units, while summers are generally mild.  Warranties offering coverage for air conditioning repairs, especially during peak summer months, may cost slightly more than plans without this feature.
  • Competition In The Ocean State: The number of home warranty companies operating in Rhode Island might be smaller compared to larger states. This could influence pricing due to less competition in the market.

Home Warranty Coverage In Rhode Island

While specific details may vary by provider, here’s a general breakdown of what Rhode Island home warranty plans typically cover and exclude to keep your home a true reflection of the Ocean State spirit, running smoothly

Common Coverages

  • Appliances Major kitchen and laundry appliances like refrigerators, ovens, dishwashers, and washing machines keep your clam chowder bubbling and laundry fresh.
  • Plumbing systems Addressing leaks, clogs, and malfunctions in pipes, faucets, toilets, and garbage disposals, ensuring your “bathroom on the beach” experience remains enjoyable.
  • Electrical systems Addressing issues with wiring, outlets, switches, and circuit breakers, keeping your home safe and the “festival of lights” illuminating brightly.
  • Heating and cooling systems Repairs for furnaces, boilers, air conditioners, and heat pumps, maintaining comfortable temperatures through Rhode Island’s unpredictable seasons.
  • Optional Some plans offer additional coverage for features like roof leaks, which are crucial for withstanding coastal storms, well pumps for those in rural areas, septic systems, and even pest infestations, ensuring a worry-free home environment

Common Exclusions

  • Pre-existing conditions Damage existing before the warranty is usually excluded.
  • Cosmetic issues The plan won’t cover purely cosmetic repairs that don’t affect functionality.
  • Specific exclusions Carefully review the contract to understand specific exclusions, such as damage caused by intentional acts, negligence, or lack of maintenance.

Here Are Some Additional Points To Consider

  • Service call fees Most home warranty plans have a service call fee, which you’ll need to pay each time you request a repair. Be sure to factor this cost into your decision-making when comparing plans.
  • Coverage limits Home warranty plans often have coverage limits for repairs or replacements. Understand these limits to avoid any surprises when facing a covered repair.
  • Network of service providers Some home warranty companies have a network of pre-approved service providers. While convenient, ensure the network includes qualified and reputable technicians in your area.

Who Regulates Home Warranty Companies In Rhode Island?

Unlike some states, Rhode Island has no specific regulatory body or licensing process for home warranty companies. This means no central authority oversees the industry, and companies are not required to obtain a specific license to operate in the state.

However, there are still some regulations in place that offer some level of consumer protection:

  • Rhode Island Office of the Attorney General (RI OAG) Home warranty contracts in Rhode Island fall under the state's Consumer Protection Unit (CPU).  The CPU enforces the state's Deceptive Trade Practices Act (DTPA), which prohibits deceptive and unfair business practices. 
  • Department of State While not directly regulating the industry, the Rhode Island Department of State offers resources and information to help consumers learn more about home warranties and make informed decisions.
  • Unfair Trade Practices and Consumer Protection Act This act prohibits deceptive and unfair business practices, which can apply to some aspects of home warranty companies' operations. Consumers who believe they have been misled or treated unfairly by a home warranty company may have recourse under this act.
  • General Regulatory Provisions Rhode Island has general laws governing disclosure requirements for service contracts, including home warranties. These laws require companies to clearly and accurately disclose the terms and conditions of their plans, including coverage details, exclusions, limitations, and cancellation procedures.

Final Word

Choosing the best home warranty company in Rhode Island requires careful research and consideration of your needs and budget. We recommend comparing plans, coverage details, and customer reviews from various providers.

 Additionally, be sure to understand the exclusions and limitations of each plan before making a decision. By following these tips, you can find a home warranty plan that offers valuable protection and peace of mind for your Rhode Island home.

Frequently Asked Questions (FAQs)

What Are The Most Frequently Reported Appliance Repairs In Rhode Island?+

Do Home Warranty Companies Cover Plumbing Problems?+

Are Home Warranties Worth It In Rhode Island?+

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