Home Warranty Companies in Rhode Island
2026 State Guide
Our data lists 10 of the 15 companies we track as serving Rhode Island. AFC Home Club ranks first among them at 8.2 out of 10. Rhode Island has warmed by roughly 4 degrees F since the early 1900s, and hot days have run above the long-term average since the 1990s.
Companies Available
10
of 15 tracked
Top 3 Picks From
$39
per month, by plan
Primary Risk
Both
heat and cool, our reading
Regulator
Rhode Island Department of Business Regulation
Service contract law
Rhode Island State Snapshot
Housing units
487,132
Owner-occupied rate
63.3% (US 65%)
Median home value
$368,800
Primary HVAC risk
Both heating and cooling (our reading)
Companies listed
10 of 15 tracked
Regulatory body
Rhode Island Department of Business Regulation
63.3% of Rhode Island homes are owner-occupied, below the 65% national rate, and the median owner-occupied home is worth $368,800, 22% higher than the national median of $303,400.
Source: Census Bureau QuickFacts for Rhode Island. Census Bureau QuickFacts: housing units are the July 1, 2023 estimate; owner-occupied rate and median value are 2019-2023 American Community Survey 5-year estimates.
In Rhode Island's largest city, Providence, 41.4% of homes are owner-occupied and the median owner-occupied home is worth $362,200.
Source: Census Bureau QuickFacts for Providence, 2020-2024 American Community Survey 5-year estimates (the current QuickFacts release). The state figures above come from an earlier release, so we do not compare the two.
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Climate and Coverage Context
Rhode Island's climate puts both heating and cooling under strain, in our reading
Rhode Island has warmed by roughly 4 degrees F since the early 1900s, and hot days have run above the long-term average since the 1990s. Annual precipitation has trended upward since 1895 and extreme precipitation events have increased since 1950. Sea level at Newport has risen more than nine inches since 1930, and coastal flooding during nor'easters and hurricanes is likely to increase.
Both systems get real use here, so look for a plan that covers heating and cooling and compare its cap with your own replacement quote.
Source: NOAA NCEI State Climate Summary for Rhode Island (2022). Which system is under the most strain is our reading of those facts, not a figure from the summary.
Cap Gap Calculator and Company Comparison
Enter a replacement quote from a local HVAC contractor. Each row subtracts the company's highest HVAC cap from it. The starting $8,000 is an example, not a Rhode Island estimate. 10 of 15 tracked companies serve Rhode Island in our data; "Likely" and "Check" rows are not verified for Rhode Island.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | RI |
|---|---|---|---|---|---|---|
| Old Republic Home Protection | ~$45-$80/mo | $6,500/unit | $1,500 | A+ | 8.4 | Check |
| AFC Home Club | $44-$82/mo | No cap | $0 over a per-unit cap (check the aggregate limit) | B | 8.2 | Likely |
| Liberty Home Guard | $49-$79/mo | $2,000/unit | $6,000 | NR | 7.9 | Yes |
| Armadillo Home Warranty | from $39.99/mo | $3,000/unit | $5,000 | NR | 6.9 | Yes |
| HomeServe USA | $3.99-$55.99/mo | Unconfirmed | Cap unconfirmed | A+ | 6.9 | Likely |
| American Home Shield | $29.99-$89.99/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| 2-10 Home Buyers Warranty | ~$35-$70/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| HSA Home Warranty | ~$41-$53/mo | Unconfirmed | Cap unconfirmed | B+ | 6.3 | Likely |
| ARW Home | $45.99-$67.99/mo | Unconfirmed | Cap unconfirmed | A | 5.9 | Likely |
| Home Warranty of America | from ~$48.33/mo | $5,000/unit | $3,000 | C/NR | 5.9 | Check |
| Choice Home Warranty | ~$49-$58/mo | $3,000 combined | $5,000 | B | 5.6 | Yes |
| Select Home Warranty | ~$46-$62/mo | Unconfirmed | Cap unconfirmed | B- | 5.6 | Check |
| ServicePlus Home Warranty | ~$41-$50/mo | Unconfirmed | Cap unconfirmed | B | 5.2 | Check |
| Cinch Home Services | ~$28-$62/mo | $1,500 combined | $6,500 | B+ | 5.1 | Yes |
The cap shown is the largest across a company's plans, so a lower plan may pay less. The service fee per claim is extra and is on each review. Caps marked unconfirmed could not be verified in our research; check the contract schedule.
Top 3 Picks for Rhode Island
Highest overall score among companies that serve Rhode Island, leaving out companies we recommend against. How scores work.
Not Available or Unverified in Rhode Island
Our data lists First American Home Warranty as not serving Rhode Island. It serves 35 states per our research.
Check availability: Old Republic Home Protection, Home Warranty of America, Select Home Warranty, ServicePlus Home Warranty
These companies serve only some states and we have not verified Rhode Island. They appear in the comparison table marked "Check". Ask the company before you rely on them.
How Rhode Island Regulates Home Warranties
Regulator
Rhode Island Department of Business Regulation (role not confirmed)
Legal framework
Consumer service contracts are not insurance (R.I. Gen. Laws 6-57-2)
Rhode Island General Laws section 6-57-2, in the Consumer Service Contracts chapter of Title 6, says the offering, sale or issuance of a service contract, vehicle theft protection product warranty or maintenance agreement is not insurance and is not subject to the state insurance laws unless made expressly applicable. The chapter came from 2019 House Bill 5674, signed on July 15, 2019 and effective January 1, 2020, according to an Orrick summary. We did not find provisions in the chapter that register or license providers, did not confirm which agency, if any, oversees home warranty companies, and did not confirm whether the chapter treats a home warranty as a service contract.
Type of rules: General service contract law. A service contract law with registration, bonding or disclosure rules. Whether it reaches a particular home warranty plan was not confirmed.
Partly confirmed. The summary says which points we could not confirm. Researched October 2026; laws and agency pages change, so confirm with the regulator before you rely on a detail.
Sources for this section
- R.I. Gen. Laws 6-57-2: service contracts not insurance (Rhode Island General Assembly)
- Rhode Island General Assembly: 2019 H 5674 bill text
- Orrick: Rhode Island says service contracts are not insurance (2019)
- Find the current complaint form or phone line in the NAIC directory of state insurance departments.
- Compare all 50 states in the state home warranty laws table and read your refund and cancellation rights.
- If a claim is denied, follow how to fight a denial.
Consumer Tips for Rhode Island Homeowners
Check the company's registration
Rhode Island regulates service contracts under a general law with registration, bonding or disclosure rules, and we could not confirm how it applies to every home warranty plan. Ask the Rhode Island Department of Business Regulation whether the company is registered.
Do the cap math for your own system
Get a replacement quote from a local HVAC contractor, then enter it in the calculator above. Our top-ranked option here, AFC Home Club, has an HVAC cap of No cap; the difference between your quote and each company's cap is your out-of-pocket cost if the system fails completely. Details
Confirm coverage for your address
4 companies in our data serve only some states and are marked "check availability" for Rhode Island. Confirm with the company that your address is covered before you spend time on a quote.
Filing a Complaint in Rhode Island
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. Rhode Island's state office below takes consumer complaints about businesses in general, so it is a place to file a home warranty dispute, but it is not a home warranty regulator by that fact alone. Who regulates the contract is covered in the regulation section above.
Rhode Island Attorney General: consumer complaint form
The Consumer and Economic Justice Unit handles complaints in the order it receives them, and an investigator contacts you once yours is assigned. If the matter belongs to another agency, the office gives you a referral.
This paraphrases the office's own page as found in October 2026. Offices change their forms and procedures, so confirm on the page before you file.
Frequently Asked Questions - Rhode Island
Which home warranty companies serve Rhode Island?
What is the best home warranty company in Rhode Island?
Which home warranty plan has the highest HVAC coverage in Rhode Island?
How much does a home warranty cost in Rhode Island?
How does Rhode Island's climate affect which plan to buy?
Where do I file a home warranty complaint in Rhode Island?
How are home warranties regulated in Rhode Island?
Neighboring States
Compare All Rhode Island-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves Rhode Island, so you do not spend time on quotes from companies that do not operate here.
Regulation researched October 2026; housing figures from the Census Bureau and climate facts from NOAA NCEI as cited above. Company availability, pricing and coverage terms change. Verify current details directly with each company before purchasing. Reference: NAIC state insurance departments.