Money Research Collective’s editorial team solely created this content. Opinions are their own, but compensation and in-depth research determine where and how companies may appear. Many featured companies advertise with us. How we make money.
9 Best Home Warranty Companies in Minnesota for 2023
By Victor Rosario MONEY RESEARCH COLLECTIVE
🔥 SALE: $150 OFF + 2 Months Free
- Members Can Save Up to 50% at Nike, Costco, Home Depot & 1000’s more
- Online Business Bureau Accredited with A+ Rating
- Covers Major Home Systems, HVAC & Appliances
- Free Roof Coverage, No Inspection Needed
24/7 support whenever your appliances fail
- Large network of independent prescreened contractors and qualified technicians
- In business for over 30 years
- Good coverage on home systems
- Does not cover pre-existing issues
- They will replace items that fail if they can't be fixed regardless of age, make or model
Get $50 OFF Any Plan
- Industry leader since 1971
- More than $2 Billion in claims paid in last 5 years
- More than 2 Million customers served
- No inspection or maintenance records required
- 30-day workmanship guarantee
A home warranty plan covers the cost of repairing or replacing your covered items in case of a breakdown due to normal wear and tear. As a homeowner in Minnesota, it is important to have a plan in place in case of unexpected breakdowns of your home systems and appliances. This is where buying a home warranty can be a lifesaver, offering homeowners peace of mind knowing that they are protected from unexpected repair costs.
There are many home warranty providers in Minnesota, making it hard to choose the best one for your needs. In this article, we will discuss the top nine home warranty companies in Minnesota in 2023, along with important information to consider before purchasing a home warranty plan.
Our Top Picks for Home Warranty Companies in Minnesota
- Liberty Home Guard – Best overall
- Select Home Warranty – Best low-cost combo plan
- Choice Home Warranty – Best for no-inspection coverage
- American Home Shield – Best for unlimited coverage for systems repairs
- Old Republic Home Protection – Best reputation
- The Home Service Club – Best comprehensive coverage
Best Home Warranty Companies in Minnesota Reviews
Best Overall: Liberty Home Guard
- Customize your plan with a very wide range of add-on coverages
- Offers systems-only, appliances-only and combination plans
- Some customers have reported slow response times for service requests
- More than 500 complaints made to the Better Business Bureau
Liberty Home Guard offers three straightforward options: Appliance Guard, Systems Guard and Total Home Guard. Their Appliance Guard Plan, which costs $49.99 per month, covers nine common kitchen and laundry room appliances, including garbage disposals, ceiling and exhaust fans, and garage door openers. The Systems Guard Plan, priced at $54.99 per month, covers heating, air conditioning, plumbing, electrical systems and hot water heaters, including ductwork. The Total Home Guard Plan, available for $59.99 per month, includes coverage for all items in the two lower-priced plans, and customers have the option to choose a lower service call fee of as low as $65.
Liberty Home Guard distinguishes itself from other companies by offering a broad range of optional coverages, with about thirty to choose from. They include popular add-ons like coverage for second refrigerators, well pumps, and septic pumping, as well as more obscure items. Customers can even purchase coverage for pro-series appliances, which are often excluded from home warranties, as well as maintenance services like carpet cleaning and exterior power washing. Electronic devices are also covered under their plans. Overall, Liberty Home Guard’s efforts to keep things simple and transparent are appreciated.
Best Low-Cost Combo Plan: Select Home Warranty
- Offers individual plans for systems or appliances
- Low-cost combo plan
- Discounts for multiple-year plans
- Limited roof leak coverage available
- Fewer add-on coverage options than competitive plans
- Low coverage limits for appliances, electrical systems and plumbing systems ($500)
- More exclusions than other plans
Select Home Warranty provides homeowners with a selection of three plans to choose from, including an appliance plan, a systems plan or a plan that covers both. The Bronze Care plan, which is an appliances-only plan, offers coverage for washers and dryers, refrigerators, stoves, built-in microwaves and garbage disposals. The Gold Care plan, which is a systems-only plan, covers HVAC, electrical and plumbing systems, water heaters and ductwork.
The company’s Platinum Care plan is one of the most affordable combo plans on the market and even includes limited coverage for roof leaks. However, it’s important to note that Select Home Warranty’s low costs may be offset by low coverage limits on certain appliances and systems. For instance, the coverage limit on appliances is only $500, which may not be enough in today’s inflationary times, as finding a decent refrigerator for under $1,000 can be challenging.
Best for No-Inspection Coverage: Choice Home Warranty
- First month free when you select an annual plan
- Two combination systems-and-appliances plans to choose from
- Publishes an informative homeowner's blog
- Refrigerators not covered in its lowest-cost plan
- Only covers properly maintained systems and appliances
- No sample contract provided on website
Choice Home Warranty offers two customizable plans that can be adjusted to suit the specific needs of various properties. The plans are affordably priced and offer comprehensive coverage, making them a good value for customers.Unlike some other companies, Choice Home Warranty does not mandate a home inspection before issuing a policy.
However, it’s worth noting that the company retains the discretion to refuse coverage for any pre-existing conditions, whether they are known or unknown. This is particularly important for homeowners who are unsure about the state of their property when purchasing an existing home.
Best for Unlimited Coverage for Systems Repairs: American Home Shield
- Unlimited coverage for covered system repairs
- Covers items with no maintenance records
- Covers breakdowns of appliances that haven't been properly maintained
- Free removal of items that need replacement
- More expensive than other plans
With a history dating back to 1971, American Home Shield boasts significant experience in the industry. In 1989, it was acquired by Service Master, a 100-year-old company with an established reputation as one of the best-known and most experienced companies in the home service category. This gives American Home Shield a significant edge in terms of experience and credibility.
American Home Shield stands out from other home warranty companies due to its comprehensive coverage and limited exclusions. Even neglected appliances are eligible for breakdown coverage, and the company places no limits on system coverage. This means that if you require a system replacement, such as for your heating system, an American Home Shield warranty can potentially save you thousands of dollars.
American Home Shield offers three plans: ShieldSilver, ShieldGold and ShieldPlatinum. The ShieldSilver plan covers four major systems in your home, including heating, cooling, electrical, and plumbing. The ShieldGold plan provides coverage for kitchen and laundry room appliances in addition to the four major systems. The ShieldPlatinum plan includes everything covered in the two less expensive plans, plus limited roof leak coverage, free HVAC tune-ups, unlimited refilling of A/C refrigerant, and coverage for repairs due to code violations that are typically excluded by other home warranty plans.
Best Reputation: Old Republic Home Protection
- Offers coverage for a variety of systems and appliances
- Accredited by the Better Business Bureau, with an A+ rating
- Does not offer online quotes
- Components coverage may vary by state
Old Republic Home Protection has been operating in the home warranty industry for over 45 years and offers coverage for a wide range of systems and appliances in 32 states, including Hawaii. While coverage may vary by location, the company offers additional coverage for electronics and smart home equipment, and pest control treatments in select areas.
Old Republic Home Protection has an A+ rating from the Better Business Bureau, however, it’s worth noting that they do not currently offer online quote requests or application submissions, which may pose a challenge for those who prefer digital interactions. Nonetheless, their extensive experience and comprehensive coverage options make Old Republic Home Protection a viable option for those in need of a home warranty.
Best Comprehensive Coverage: The Home Service Club
- Offers comprehensive coverage on over 33 items
- 24/7 claims department
- No waiting period
- Does not cover repairs due to user error or improper maintenance
- Low ratings on BBB and Trustpilot
- No membership with the NHSCA
Home Service Club is a home warranty provider that offers extensive coverage for a wide variety of built-in systems and appliances, totaling over 33 items. The Standard plan starts at $400 and includes per-item caps ranging from $300 to $2,000, with an annual cap of $6,000 to $9,000. It’s important to note that the company does not cover repairs or replacements caused by user error or improper maintenance. With over 10,000 in-network contractors and a 24/7 claims department, Home Service Club offers timely and efficient service. There is no waiting or service recall period, and no maintenance records are required.
Founded in 2008, Home Service Club has 51 to 200 employees and is not a member of the National Home Service Contract Association. If you’re unsatisfied with your service agreement, you have 30 days to cancel for a refund (minus an administrative fee of up to $45), and after 30 days, a pro-rata refund is possible. The company also provides a sample contract on their website for your reference.
Other companies we considered
AFC Home Club
AFC Home Club provides a comprehensive home warranty plan covering both appliances and systems, with a per-item cap of $1,500 to $2,000. Starting at an affordable $395 per year, their policies offer a 30-day refund policy with pro-rated options available after this period. Customers have the flexibility to choose their own contractors or work with AFC Home Club’s network of professionals.
It is important to note that there is a 30-day waiting period, and claims submitted before this time have a payout limit of $150. AFC Home Club boasts competitive service fees of $75, $100, and $125, with HVAC tune-ups being exempt from coverage caps. The company is a member of the NHSCA and has been accredited by the Better Business Bureau since 2009, earning a B rating. Their website provides a user-friendly free quote calculator, sample contract, and detailed information on coverage for each item.
HSA Home Warranty
HSA Home Warranty is a Memphis-based company that provides a range of real estate solutions for both homeowners and realtors. With over 40 years of experience in the industry, the company is BBB-accredited with a B rating, and it exclusively offers combo or hybrid policies. These policies cover a standard range of systems and appliances, although the company’s specialty item offerings are relatively weak. Their term benefit cap is $25,000, with an appliance cap of $300 and a system cap of $1,500.
HSA’s starting price of $589 for a 12-month contract is on the higher end of the market. It’s important to thoroughly review the fine print before purchasing a policy, as the policy is irreversible, and the company does not offer any cancellation or money-back options.
HSA claims to have the largest network of professional contractors and offers quick and efficient service with service fees ranging from $75 to $100, and no waiting period. They also have a 30-day recall period and do not require maintenance records, reflecting the company’s goal of making their services easily accessible. In some circumstances, HSA’s 24/7 claims department may approve the use of a contractor outside of their network.
ARW Home
American Residential Warranty (ARW) offers personalized home warranty plans that cover the repair or replacement of major appliances and systems. The company provides three different plans: the Kitchen Plus Plan, Platinum Premier Plan, and the 4-in-1 Bundle Plan, which includes additional coverage for appliances such as the washer and dryer, plumbing, and electronics. Customers can also add coverage for a washer/dryer, pool/spa combo, and ultimate electronics protection.
ARW is unique in that it has an easy-to-use online quote generator, allowing customers to customize their plan and make a purchase in just a few clicks. A 30-day waiting period is required before homeowners can make any claims, and a trade service fee is charged for each service request, acting as a deductible. The amount of the trade service fee varies depending on the plan and equipment being serviced. ARW’s customer service is also notable, with customers being able to initiate a home service request via the customer portal or customer service phone number.
Best Home Warranty Companies in Minnesota Guide
Main things to know before purchasing a home warranty in Minnesota
Before purchasing a home warranty plan in Minnesota, it is important to understand what it covers and what it does not. A home warranty plan covers the cost of repairing or replacing your covered items in case of a breakdown due to normal wear and tear. However, it is important to note the differences between a home warranty and homeowners insurance. Homeowners insurance covers damages to your home caused by natural disasters, theft, or other unexpected events. A home warranty plan, on the other hand, covers the cost of repairing or replacing your home appliances and systems due to normal wear and tear. It is
What does a home warranty company in Minnesota cover?
A home warranty company in Minnesota typically covers the cost of repairing or replacing your covered items, including major home systems such as HVAC, plumbing, and electrical, as well as home appliances such as refrigerators, ovens, and dishwashers.
However, it is important to note that not all home warranty plans are created equal, and home warranty coverage options can vary between providers. Some companies offer optional add-ons for additional coverage, such as coverage for your swimming pool or spa, while others offer comprehensive plans that cover all of your home systems and appliances.
Some major systems and appliances that may be covered depending on your protection plan options include:
- Cooktops
- Air conditioners
- Ceiling fans
- Clothes dryers and clothes washers
- Ice makers
- Septic systems
- Sump pumps
- Plumbing systems, including plumbing stoppages
How much does a home warranty cost in Minnesota?
A home warranty’s cost in Minnesota can vary depending on the level of coverage you choose, the age of your home and its systems and appliances, and the deductible you select. In general, a basic plan may cost around $300 to $500 per year, while a comprehensive plan can cost over $1,000 per year. Additionally, most home warranty companies charge a service call fee, which is typically around $75 to $125 per visit.
Who regulates home warranty companies in Minnesota?
In Minnesota, home warranty companies are regulated by the Minnesota Department of Commerce. This department oversees the licensing and regulation of home warranty companies to ensure that they are operating within the law and providing quality service to their customers.
How does a home warranty in Minnesota work?
When you purchase a home warranty plan in Minnesota, you will typically pay a monthly or annual premium. In the event of a breakdown, you can submit a service request to your home warranty provider, who will then dispatch a service provider to your new home to diagnose and repair the problem. You will typically be responsible for paying a service call fee, which is the fee charged by the service provider for each visit. Once the problem has been diagnosed, your home warranty provider will cover the cost of repairing or replacing your covered item, up to the coverage limits outlined in your plan.
Minnesota Home Warranty FAQs
Do home warranty companies cover roof leak repairs?
Home warranty companies may cover roof leak repairs, but it depends on the specific plan and provider. Some home warranty companies have add-on coverage for roof leaks, while others may offer it as part of their comprehensive plans. However, it's important to note that coverage limits and exclusions may apply, so it's crucial to read the terms and conditions of the plan carefully before making a purchase.
What is the service fee for a home warranty in Minnesota?
The service fee, also known as the trade call fee or service call fee, is the amount that homeowners need to pay for every service request they make. The service fee for a home warranty in Minnesota may vary depending on the plan and provider. On average, the service fee in Minnesota is between $75 to $125 per service request. Some providers may offer a lower service fee if the homeowner agrees to a higher monthly premium.
Will the home warranty cover all expenses if my claim is approved?
No, the plan will not cover all expenses if your home warranty claim is approved. Home warranty companies will cover the cost of repairing or replacing the covered item, but they may not cover the full cost of the repair or replacement. There may be coverage limits, and homeowners may need to pay for some of the costs, such as the service fee or deductible. Additionally, the home warranty may not cover any costs associated with upgrading or modifying the covered item.
What are the exclusions for home warranties in Minnesota?
Home warranties in Minnesota may have exclusions, which are items or systems that are not covered by the plan. Exclusions may vary depending on the provider and plan, but common exclusions include pre-existing conditions, items with insufficient maintenance or improper installation, cosmetic defects, and items covered by homeowners insurance. It's important to review the terms and conditions of the plan carefully to understand what is and isn't covered.
How We Chose the Best Home Warranty Companies in Minnesota
To determine the best home warranty companies in Minnesota and help you decide if a home warranty is worth it, we researched and analyzed a variety of factors, including coverage options, cost, customer reviews, and workmanship guarantees. We looked at the range of coverage plans each company offered, including the level of protection for major home systems and appliances, optional add-ons, and coverage limits. We also compared the cost of each plan, including monthly premiums, service call fees, and deductibles, to ensure they offered good value for money.
In addition, we considered the quality of service provided by each home warranty company, including the speed and efficiency of service requests, the professionalism and experience of service providers, and the level of customer support offered. We also looked at each company’s workmanship guarantee, which provides reassurance that any repairs or replacements will be done to a high standard.
To ensure that our recommendations were up-to-date and relevant for homeowners in Minnesota, we conducted our research in 2023, taking into account any changes in the home warranty industry and any new developments or regulations in the state.