Home Warranty Companies in Wisconsin
2026 State Guide
Our data lists 11 of the 15 companies we track as serving Wisconsin. AFC Home Club ranks first among them at 8.2 out of 10. Wisconsin has warmed by more than 2 degrees F since the early 1900s, with most of the warming in winter and spring.
Companies Available
11
of 15 tracked
Top 3 Picks From
$37
per month, by plan
Primary Risk
Heat
heating, our reading
Regulator
Wisconsin Office of the Commissioner of Insurance
Home-specific rules
Wisconsin State Snapshot
Housing units
2,787,556
Owner-occupied rate
67.9% (US 65%)
Median home value
$247,400
Primary HVAC risk
Heating (our reading)
Companies listed
11 of 15 tracked
Regulatory body
Wisconsin Office of the Commissioner of Insurance
67.9% of Wisconsin homes are owner-occupied, above the 65% national rate, and the median owner-occupied home is worth $247,400, 18% lower than the national median of $303,400.
Source: Census Bureau QuickFacts for Wisconsin. 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 Wisconsin's largest city, Milwaukee, 41.8% of homes are owner-occupied and the median owner-occupied home is worth $184,000.
Source: Census Bureau QuickFacts for Milwaukee, 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
Wisconsin's climate puts heating under strain, in our reading
Wisconsin has warmed by more than 2 degrees F since the early 1900s, with most of the warming in winter and spring. Winters are dominated by dry, cold air, and summers bring warm air masses from hot, dry continental air or warm, moist Gulf air. Annual average temperatures range from about 39 F in the north to 50 F in the south, and annual precipitation and extreme precipitation events have increased.
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 Wisconsin (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 Wisconsin estimate. 11 of 15 tracked companies serve Wisconsin in our data; "Likely" and "Check" rows are not verified for Wisconsin.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | WI |
|---|---|---|---|---|---|---|
| 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 |
| First American Home Warranty | ~$37-$65/mo | Unconfirmed | Cap unconfirmed | B+ | 7.4 | 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 Wisconsin
Highest overall score among companies that serve Wisconsin, leaving out companies we recommend against. How scores work.
Not Available or Unverified in Wisconsin
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 Wisconsin. They appear in the comparison table marked "Check". Ask the company before you rely on them.
How Wisconsin Regulates Home Warranties
Regulator
Wisconsin Office of the Commissioner of Insurance (OCI)
Legal framework
Warranty plans (Ins 15.01) and service contract providers (Wis. Stat. 616.54)
Wisconsin's OCI treats home warranties as warranty plans and property service contracts. Administrative rule Ins 15.01 tells the commissioner to condition a warrantor's limited certificate of authority on security that protects Wisconsin consumers if the warrantor becomes insolvent. OCI's property service contract application cites Wis. Stat. 616.54 and sets baseline financial security at $50,000 plus 15% of provider fees on unexpired contracts, rising to 22.5% when an administrator is used. In 2018 OCI warned consumers about Secure Home Warranty, which it said sold plans online without the required certificate of authority.
Type of rules: Home-specific rules. A law or program that names home warranties, home service contracts or residential service contracts.
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
- Wisconsin OCI: 2018 consumer alert on a home warranty scam
- Wisconsin Administrative Code Ins 15.01 (Justia mirror)
- Wisconsin OCI: service contract filing checklist (PDF)
- 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 Wisconsin Homeowners
Check the company's registration or license
Our sources show rules in Wisconsin that name home warranties, home service contracts or residential contracts. Ask the Wisconsin Office of the Commissioner of Insurance whether the company you are considering is registered or licensed before you pay.
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 the certificate of authority
Wisconsin's Office of the Commissioner of Insurance warned consumers in 2018 about Secure Home Warranty, which it said sold plans online without the required certificate of authority. The Office sets financial security requirements for providers. Details
Confirm coverage for your address
4 companies in our data serve only some states and are marked "check availability" for Wisconsin. Confirm with the company that your address is covered before you spend time on a quote.
Filing a Complaint in Wisconsin
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. Wisconsin'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.
Wisconsin DATCP: file a consumer complaint
DATCP asks you to contact the seller first and then a supervisor or the owner. It cannot give legal advice or act as your private attorney, and it lists small claims court as an option.
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 - Wisconsin
Which home warranty companies serve Wisconsin?
What is the best home warranty company in Wisconsin?
Which home warranty plan has the highest HVAC coverage in Wisconsin?
How much does a home warranty cost in Wisconsin?
How does Wisconsin's climate affect which plan to buy?
Where do I file a home warranty complaint in Wisconsin?
How are home warranties regulated in Wisconsin?
Neighboring States
Compare All Wisconsin-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves Wisconsin, 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.