Home Warranty Companies in Vermont
2026 State Guide
Our data lists 9 of the 15 companies we track as serving Vermont. AFC Home Club ranks first among them at 8.2 out of 10. Vermont has warmed by about 3 degrees F since the early 1900s, and 2010 to 2020 was its warmest 11-year period on record.
Companies Available
9
of 15 tracked
Top 3 Picks From
$39
per month, by plan
Primary Risk
Heat
heating, our reading
Regulator
Vermont Department of Financial Regulation
Service contract law
Vermont State Snapshot
Housing units
341,375
Owner-occupied rate
72.8% (US 65%)
Median home value
$290,500
Primary HVAC risk
Heating (our reading)
Companies listed
9 of 15 tracked
Regulatory body
Vermont Department of Financial Regulation
72.8% of Vermont homes are owner-occupied, above the 65% national rate, and the median owner-occupied home is worth $290,500, 4% lower than the national median of $303,400.
Source: Census Bureau QuickFacts for Vermont. 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 Vermont's largest city, Burlington, 41.5% of homes are owner-occupied and the median owner-occupied home is worth $444,800.
Source: Census Bureau QuickFacts for Burlington, 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
Vermont's climate puts heating under strain, in our reading
Vermont has warmed by about 3 degrees F since the early 1900s, and 2010 to 2020 was its warmest 11-year period on record. Long-term averages are about 63.7 F in summer and 17.9 F in winter, and very cold nights have been below average since 2005. Annual precipitation is up nearly 6 inches since the 1960s, and winter and spring precipitation is projected to rise, with more of it falling as rain.
Heating does most of the work here, so check that a plan covers furnaces and boilers and what its HVAC cap is.
Source: NOAA NCEI State Climate Summary for Vermont (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 Vermont estimate. 9 of 15 tracked companies serve Vermont in our data; "Likely" and "Check" rows are not verified for Vermont.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | VT |
|---|---|---|---|---|---|---|
| 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 | Check |
| 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 Vermont
Highest overall score among companies that serve Vermont, leaving out companies we recommend against. How scores work.
Not Available or Unverified in Vermont
Our data lists First American Home Warranty as not serving Vermont. It serves 35 states per our research.
Check availability: Old Republic Home Protection, HSA Home Warranty, Home Warranty of America, Select Home Warranty, ServicePlus Home Warranty
These companies serve only some states and we have not verified Vermont. They appear in the comparison table marked "Check". Ask the company before you rely on them.
How Vermont Regulates Home Warranties
Regulator
Vermont Department of Financial Regulation (DFR)
Legal framework
Service contracts (8 V.S.A. sections 4247 to 4250)
Vermont regulates service contracts and extended warranties sold to consumers under Title 8, Chapter 113, Subchapter 4. The statute says these contracts are not insurance and that their sellers are not insurance agents. DFR guidance says providers must register with the department for a three-year period for a $600 fee and show financial stability, for example through a reserve account and deposit or a surety bond (8 V.S.A. section 4249). Section 4248 exempts warranties, maintenance agreements and commercial transactions. We did not find a rule written specifically for home warranty companies.
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.
Checked against the official sources listed below. Researched October 2026; laws and agency pages change, so confirm with the regulator before you rely on a detail.
Sources for this section
- Vermont DFR: service contract providers
- Vermont DFR: service contract provider general information (PDF)
- 8 V.S.A. section 4248, Vermont Statutes Online
- 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 Vermont Homeowners
Check the company's registration
Vermont 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 Vermont Department of Financial 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
Check registration
The Department of Financial Regulation says service contract providers register for a three-year period and show financial stability, such as a reserve account and deposit or a surety bond. Details
Confirm coverage for your address
5 companies in our data serve only some states and are marked "check availability" for Vermont. Confirm with the company that your address is covered before you spend time on a quote.
Filing a Complaint in Vermont
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. Vermont'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.
Vermont Attorney General: Consumer Assistance Program
The Consumer Assistance Program forwards your complaint to the business and asks it to respond. It is not a formal legal process and cannot guarantee a response, and complaints are public record.
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 - Vermont
Which home warranty companies serve Vermont?
What is the best home warranty company in Vermont?
Which home warranty plan has the highest HVAC coverage in Vermont?
How much does a home warranty cost in Vermont?
How does Vermont's climate affect which plan to buy?
Where do I file a home warranty complaint in Vermont?
How are home warranties regulated in Vermont?
Neighboring States
Compare All Vermont-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves Vermont, 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.