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Find the Best Home Warranty Companies in Madison, WI

Many Madison homeowners use home warranties to help protect themselves from costly home repairs. Madison.com has partnered with ConsumerAffairs to create this guide by comparing the local availability and number of positive reviews of 15 businesses and choosing six favorites from the top home warranty companies in Madison.

Companies pay ConsumerAffairs to be authorized, and Madison.com and/or ConsumerAffairs may receive compensation when you click a link, call a number or fill out a form on this site.

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Home warranty coverage in Madison

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A home warranty protects you from unexpected repair or replacement costs related to your home’s systems and appliances. No one in Madison wants to get caught in the winter without working heat because they don’t have the money to fix it. For a monthly or annual cost, a home warranty ensures that all your appliances and home systems get fixed or replaced when they break. Any time a covered item in your home stops working, you only have to pay a service fee, usually under $100.

How to get a home warranty in Madison

First, consider what kind of coverage you need. Do you want to cover your appliances, home systems or both? If you already have warranties for your appliances, then you don't need a plan that covers both appliances and home systems. However, if your appliance warranties have expired, consider a comprehensive plan.

Gathering quotes from multiple companies is the best way to get the coverage you need at a reasonable price, but some other questions you should ask yourself when shopping for a home warranty are:

  • Is there a service fee? Is that fee negotiable?
  • What are other customers saying about the company? Does it have good reviews?
  • Are there contract limits that I should be aware of?
  • Does the company guarantee work? For how long?

Madison home warranty costs

Madison residents should expect to pay between $50 and $70 a month for an average home warranty plan. However, your monthly payments aren’t the only costs to consider. Most companies charge a service fee for home visits, so expect to pay up to $100 every time you use your coverage.

We asked for quotes from HMS Home Warranty, American Residential Warranty and America’s 1st Choice to see how much they charge for a plan that covers systems and appliances in Madison at the time of publishing. Your exact quote might vary.

Sample Madison home warranty costs:

  • HMS Home Warranty: The Premier Plan costs $49 a month with a $100 deductible.
  • American Residential Warranty: The Platinum Premier Plan comes in at $59.99 a month with service fees ranging from $50 to $75.
  • America’s 1st Choice: This Platinum Plan costs $50 monthly with a $75 service fee.

Madison home warranty FAQ

Do I need a home warranty in Madison?

It’s not necessary, but home warranties are worth considering for Madison residents. A home warranty can help save you from paying out of pocket to repair or replace your appliances or home systems.

How does a home warranty work?

With a home warranty, you sign up for the coverage you want and pay a monthly fee to your warranty provider. If any covered appliance or systems breaks down in your home, you contact your warranty company, which sends someone to take care of it. The company handles the cost of repair or replacement, and you only pay a small service fee.

What does a home warranty cover?

A home warranty can cover a variety of things in your home, like appliances (washers, dryers, refrigerators, water heaters, etc.), in-home systems (heating, cooling, electrical, etc.) or a combination of both.

What is a home warranty?

A home warranty is a contract that helps cover the costs of repairs or replacements for appliances and systems in your home. Note, this is not the same as homeowners insurance, which protects you from paying to replace your home and belongings after theft, fire, vandalism or another disaster.

Are home warranties worth it to Madison residents?

Madison residents without home warranties could find themselves paying thousands from their own pockets for an unexpected repair at any time. If paying out that much out of pocket at once is daunting, a home warranty may be a better option for you.

Madison home warranty company information

American Home Shield

For over 50 years, American Home Shield has been helping homeowners protect their homes. The company has several plans with optional add-ons available. Customers can even build their own customized policies. The age of your appliances doesn’t affect your cost, and American Home Shield doesn't require inspections before you sign up for a warranty.

American Home Shield Learn More (844) 475-0310

American Residential Warranty

American Residential Warranty offers a variety of options for customers to get the exact coverage they need. This includes a kitchen plan, a heating and cooling plan, and even an electronics protection plan. The company also lets you build your ideal plan with optional add-ons.

American Residential Warranty (561) 363-0798

America's 1st Choice Home Club

America's 1st Choice has an option for every budget, including the Platinum Plan for comprehensive coverage. This company guarantees work for the duration of your contract, and you're even able to choose your technician. Its team is available for service requests 24 hours a day.

America's 1st Choice Home Club Learn More (855) 923-3576

Total Home Protection

Total Home Protection gives customers a simple choice by offering only two plans, both of which cover a mix of appliances and systems. Customers are then able to add optional coverage to their chosen plans. The company has a 24/7 customer service line, and it doesn’t limit coverage based on the make, model or age of an appliance.

Total Home Protection

Cinch Home Services

Cinch Home Services has coverage options for appliances, home systems and both. Customers can get discounts on new appliances and use Amazon Alexa to handle many aspects of their warranties. The company covers unknown preexisting conditions in your home, and it has a 180-day workmanship guarantee.

Cinch Home Services Learn More

HMS Home Warranty

HMS Home Warranty focuses on people who are buying or selling houses. The company offers its Base plan to buyers and sellers, while its Premier plan is exclusively for buyers. These plans cover all major systems and many appliances, as well. HMS Home Warranty works with a network of around 40,000 service technicians in covered areas.

HMS Home Warranty