Best Home Warranty in Wisconsin

Imagine it’s the dead middle of a harsh Midwestern winter. The humidity is high and the wind is bone-chilling. For the next three months, temperatures won’t get above freezing. After a long day at work, you come home to discover that your heating system broke. Your pipes burst. Your washing machine and dishwasher are damaged, and your homeowner’s insurance won’t cover any of it.

Lending Partner
Trade Service Fee
Average Monthly Cost
Premade Plans
Add-on Coverage
  • America’s 1st Choice
    Trade Service Fee:
    $75–$125
    Average Monthly Cost:
    $30–$40
    Premade Plans:
    4
    Add-on Coverage:
    12
  • First American
    Trade Service Fee:
    $75
    Average Monthly Cost:
    $32–$43
    Premade Plans:
    2
    Add-on Coverage:
    5
  • Choice Home Warranty
    Trade Service Fee:
    $85
    Average Monthly Cost:
    $40–$50
    Premade Plans:
    2
    Add-on Coverage:
    10
  • Cinch Home Services
    Trade Service Fee:
    $100-$150
    Average Monthly Cost:
    $20–$40
    Premade Plans:
    3
    Add-on Coverage:
    6
  • American Home Shield
    Trade Service Fee:
    $75–$125
    Average Monthly Cost:
    $30–$50
    Premade Plans:
    3
    Add-on Coverage:
    6
  • Global Home Protection
    Trade Service Fee:
    $75–$100
    Average Monthly Cost:
    $28–$48
    Premade Plans:
    5
    Add-on Coverage:
    8

If you want to protect yourself from issues like these, home warranties cover appliances and systems that your homeowner’s insurance won’t. If you want to protect your home and appliances from disaster, it’s important to educate yourself on the best home warranty companies in the Badger State.

In this article

    The 4 best home warranty companies in Wisconsin

    Provider Basic Plan Cost Upgrades Better Business Bureau Rating
    Universal Home ProtectionBasic plan costs $450 a year with a $75 deductibleThe Elite plan costs $525 a year also with a $75 deductible

    Additional coverage for major kitchen appliances is $75 a year

    Pool and spa coverage is $200 a year
    A-
    HSA Home WarrantyBasic plans are $455 annual cost with a $100 trade-call fee

    $485 annual cost with a $75 trade-call fee
    Buyer 7 Star Upgrade costs $149 annual, while options abound for additional coverage options, such as a hot tub/pool combination for $175Not Rated
    America’s Preferred Home Warranty, Inc.One-year plan options include $50 deductible for a $549 annual cost

    $100 deductible for a $499 annual cost

    $125 deductible for a $465 annual cost
    The Preferred upgrade costs $125 for the year

    Additional coverage options include $185 for pool/spa

    $345 for premium pool/spa
    A+
    American Residential WarrantyThe Kitchen Plus plan is $360

    The Heating & Cooling plan costs $480
    The Platinum plan costs $600 annually

    The Platinum Premium plan costs $720

    The Preferred upgrade costs $125 a year

    Pool/spa coverage costs $185 annually
    A+

    The 4 best home warranty companies in Wisconsin

    Best local knowledge – Universal Home Protection

    Despite their expansion, UHP maintains excellent relationships with local contractors and realtors. Moreover, Universal Home Protection earns an A- rating from the Better Business Bureau.

    Trade Service Fee
    $75
    Average Monthly Cost
    $40.38–$55.76
    Add-on Coverage
    N/A
    SimpleScore
    3.8 / 5.0
    close
    SimpleScore Universal Home Protection 3.8
    Average Monthly Cost 3
    # of Extra Coverage 3
    Support Channels 4
    Trade Service Fees 5
    Number of Pre-Made Plans 4

    Located in Madison, Universal Home Protection (UHP) started in the 1990s as for-Wisconsinites, by-Wisconsinites home warranty company. Local realtors complained that they couldn’t find a home warranty company to effectively serve both home buyers and sellers. As they’ve grown, UHP has expanded to cover the greater Chicago area.

    For a basic plan, coverage starts at $450 a year with a $75 deductible. The most popular plan, the Elite, starts at $525 a year also with a $75 deductible. The Elite plans includes coverage for water softeners, stand alone freezers, permanently installed sump pump and wine chillers.

    What if you have to add coverage? Not a problem. You can add coverage for your refrigerator, oven, built-in microwave or built-in dishwasher for $75 a year. There’s also a $200 a year pool, spa or combination equipment option.

    Best service provider network – HSA

    HSA Home Warranty offers plans throughout the country. If you move, you can keep your plan and your items covered. You also get to tap into a nationwide service network.

    Trade Service Fee
    $100–$125
    Average Monthly Cost
    $39.16–$52.91
    Add-on Coverage
    N/A
    SimpleScore
    3 / 5.0
    close
    SimpleScore HSA 3
    Average Monthly Cost 3
    # of Extra Coverage 4
    Support Channels 3
    Trade Service Fees 2
    Number of Pre-Made Plans 3

    Working with a local home warranty company has its benefits. For one thing, you’re patronizing small businesses and local service providers. In other words, you’re choosing to keep your money in Wisconsin. However, it does have its drawbacks. Most local home warranty companies only continue to cover you if you live in Wisconsin or parts of Illinois in some cases.

    Coverage starts with basic plans at $455 with a $100 trade-call fee and at $485 with a $75 trade-call fee. Buyers have the option to do a $149 Buyer 7 Star Upgrade, which includes supplemental coverage for things like smoke alarms, faucets, shower heads and the built-in line for your microwave.

    HSA Home Warranty also offers a plethora of à la carte coverage options, such as a hot tub/pool combination for $175, roof leaks for $45 and water well pump coverage for $45.

    Best for customer satisfaction – America’s Preferred Home Warranty

    America’s Preferred Home Warranty earns consistently high customer satisfaction rates, in part because it allows plan holders to choose their own contractors for repairs and restoration.

    Trade Service Fee
    Not Listed
    Average Monthly Cost
    Not Listed
    Add-on Coverage
    N/A
    SimpleScore
    3 / 5.0
    close
    SimpleScore America’s Preferred Home Warranty 3
    Average Monthly Cost N/A
    # of Extra Coverage N/A
    Support Channels 3
    Trade Service Fees N/A
    Number of Pre-Made Plans N/A

    “What sets America’s Preferred Home Warranty apart from other warranty companies is our customer service and that we allow the homeowner to choose the licensed contractor of their choice to diagnose the failure of the covered system,” Mike Sadler, Vice President of Operations for America’s Preferred Home Warranty, said. “That means the homeowner receives a third-party evaluation on what is the cause of the problem, not a contractor sent on behalf of the warranty company. In addition to that, repairs will be made quicker and on the schedule of the homeowner.”

    The company takes service calls at all hours of the day, every day of the year. It also customizes plans according to the type of home plan holders live in. The company also works closely with local realtors, offering them a custom mobile phone app for home warranty plan management. Moreover, America’s Preferred Home Warranty was named Best Regional Home Warranty Company in 2017 and 2018. They’ve also earned an A+ rating from the Better Business Bureau.

    Best plan diversity, most transparent – American Residential

    American Residential Warranty is unique in that it offers bundled plans, such the Platinum Premium in combination with an electronics protection plan and an extended appliances coverage plan. In addition, the company earns an A+ rating from the Better Business Bureau.

    Trade Service Fee
    Not Listed
    Average Monthly Cost
    $34.99–$124.99
    Add-on Coverage
    N/A
    SimpleScore
    3.5 / 5.0
    close
    SimpleScore American Residential 3.5
    Average Monthly Cost 1
    # of Extra Coverage 5
    Support Channels 3
    Trade Service Fees N/A
    Number of Pre-Made Plans 5

    Most home warranty companies have a fixed list of what each plan covers, with some combination of a basic plan, a more advanced plan, upgrades and miscellaneous one-off options. American Residential Warranty offers a remarkable menu of coverage plans for all budgets in addition to the usual list of add-ons.

    The Platinum Premium, which is $720 for the year, covers all heating, cooling, and electrical systems, kitchen appliances and less frequently covered items, such as duct work, humidifiers and garage door openers.

    The slightly cheaper Platinum plan is $600 and covers all systems and major appliances. There’s also a Kitchen Plus plan for $360, which focuses on kitchen appliances, your water heater and electrical system, and a Heating & Cooling plan for $480 that covers electrical, heating and cooling systems.

    What is a home warranty?

    A home warranty plan is a service contract for your home’s appliances and systems. For Wisconsin homeowners, the service contract’s annual cost ranges from approximately $450 to roughly $800. Add-on plans with additional coverage options will increase that cost.

    Home warranty plans have a deductible for repairs on those appliances and systems. Once your deductible is met, the remainder of your repairs are covered by the plan. It’s important to note that every home warranty company partners with contractors. When you call for service, you will be charged what’s known as a trade-call fee. Those service calls will go toward your deductible.

    How should I choose the right home warranty plan?

    For home buyers, your real estate agent will likely have existing relationships with certain home warranty company and will help to facilitate the purchase of a plan during the sale process. It’s not uncommon for the best deals to come during this process.

    Consumers can request a quote or choose the home warranty company based on the available plans for the items you want to cover. It’s beneficial for homeowners to purchase home warranty plans if their home, systems or appliances are older and have a greater likelihood to require repairs or restoration.

    Methodology

    SimpleScore

    The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.

    For every review, our editorial team:

    • Identifies five measurable aspects to compare across each brand
    • Determines the rating criteria for each aspect score
    • Averages the five aspect scores to produce a single SimpleScore

    Here’s a breakdown of the five aspect scores and their rating criteria for our review of the best home warranty companies of 2020.

    Why do some brands have different SimpleScores on different pages?

    To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.

    However, it’s also possible for brands to have multiple SimpleScores. For example, when we apply our methodology to Chase’s stock trading product, it scores a 3.6 out of 5. On the other hand, when we compare Chase checking accounts, it scores a 4.4 out of 5. this is because we each criterion for every category is different to account for different industry standards and product offerings.

    Questions about our methodology?

    Email Hayley Armstrong at hayley@thesimpledollar.com.

    Average monthly cost

    Many home warranty companies advertise a range of monthly costs for their home warranty plans. We took the average of these costs and assigned SimpleScore aspects based on the amount.

    Add-on coverages

    Home warranty usually just covers kitchen appliances and HVAC systems. However, homes have so much more than that. We gave higher scores to home warranty companies that offer a variety of add-ons to home warranty coverages, such as pool, washer/dryer, guest houses and more.

    Customer support

    When it’s time to file a home warranty claim or homeowners have questions, how can they contact support? The SimpleScore rewards home warranty companies with more channels of customer support.

    Trade service fee

    Much like a deductible, a trade service fee is the fee homeowners pay for each service call. The lower the service fee, the higher the score that the brand gets. If the trade service fee was a range or differed among plans, we took an average of the fees advertised.

    Number of pre-made plans

    Sometimes it’s just easier to pick a package and get your home warranty coverage started. That’s why we awarded companies with more premade plans higher scores.