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We maintain complete transparency with the readers on our website. The company rankings on our site are independent of any marketing relationships that we may hold with a home warranty company. We may receive compensation for receiving quotes or placing advertisements. However, this does not affect a company's rankings. Companies are ranked solely on the basis of consumer reviews and ratings received from home warranty users.

*The lead information obtained will be sent to the respective companies as selected by the readers. However, the lead will be shared with a similar company if the selected company either doesn't participate in Leads Program or doesn't respond.

Best Home Warranty Companies In Minnesota 2024

From vibrant cities to stunning natural beauty, Minnesota homes face unique challenges.  Harsh winters test heating systems, summer storms threaten power, and appliances work overtime. This guide explores the Best Home Warranty Companies in Minnesota, helping you find a plan that protects your essential systems and keeps your home running smoothly year-round.

Our Picks: 5 Best Home Warranty Companies For Minnesota Residents

We've uncovered Minnesota's top home warranty companies through comprehensive assessments of various providers. These reputable firms offer dependable coverage, assuring seamless home operation year-round and providing you with peace of mind.

Best For Separate Coverage Options
4.7 | fourhalf_star Excellent
$150 Off + 2 Months Free

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

The Industry Leader
4.5 | fourhalf_star Excellent

Monthly Cost

$29 - $89

Service Fee

$100 & $125

Response Time

Up to 48 hours

Best For Comprehensive Plans
3.7 | threehalf_star Excellent
1st month free + Free roof coverage

Monthly Cost

$46 - $55

Service Fee

$75 - $125

Response Time

Up to 48 hours

4 | four_star Excellent

Monthly Cost

$58 - $63

Service Fee

$50 & $100

Response Time

48 - 72 hours

4.7 | fourhalf_star Excellent

Monthly Cost

$51 - $62

Service Fee

$65 - $125

Response Time

24 to 48 hours

Is Home Warranty Plans Beneficial For Minnesota Homeowners?

Here are some home warranty benefits that Minnesota homeowners can have: 

  • Minnesota, characterized by its diverse climate with cold winters and warm summers, poses unique challenges to home systems and appliances.
  • With a keen awareness of local weather patterns and their impact on home systems, these providers can offer specialized coverage options. This localized expertise ensures that Minnesota homeowners receive protection tailored to their environment's demands.
  • The state's fluctuating temperatures can accelerate wear and tear, making comprehensive coverage crucial. 
  • Minnesota homes, ranging from modern structures to historic properties, contribute to the state's rich architectural diversity. 

How Much Does A Minnesota Home Warranty Cost?

For Minnesota homeowners evaluating the advantages of a home warranty, gaining insight into potential costs is essential. Here's a comprehensive overview of the cost range for home warranties in the North Star State:

Average Annual Cost

$380 - $600

Average Monthly Cost

$30 - $85

Average Service Fee (Deductible)

$55 - $110

In Minnesota, the cost of a home warranty can fluctuate based on various factors, and homeowners should carefully consider the following:

  • Climatic Conditions: Minnesota's harsh winters strain heating systems. Warranties covering heating system repairs (especially breakdowns during peak winter months) tend to cost more than plans in states with milder climates.
  • Location: Urban areas in Minnesota (like Minneapolis or St. Paul) may have higher service call fees than rural areas. This can affect the overall warranty cost due to the potential for higher repair costs associated with technician travel in remote locations.
  • Age Of Home: Older Minnesota homes (common throughout the state)  may have aging plumbing and electrical systems.  Warranties with coverage for these systems often come at a premium compared to plans designed for newer homes.
  • Location: The specific location within Minnesota can influence average costs. Whether you reside in the bustling city of Minneapolis or the scenic beauty of Duluth, regional factors play a significant role in determining your home warranty expenses.
  • Coverage Options: Warranties with a broader range of covered systems and appliances (including sump pumps or high-end appliances) will be more expensive than basic plans focusing on essential systems.
  • Deductible Choice: Like traditional insurance, opting for a higher deductible on your Minnesota home warranty will lower the monthly premium. However, you'll be responsible for paying more out-of-pocket when you file a claim.
  • Basement Prevalence: Basements are common in Minnesota homes, and waterproofing issues can be a concern.  Some warranties offer optional coverage for basement water damage or sump pump breakdowns.  These add-ons will increase the overall cost of the plan.

Home Warranty Coverage In Minnesota

Here are some common inclusions and exclusions to guide Minnesota homeowners in making informed decisions when considering a home warranty:

General Coverage of Minnesota Home Warranty

  • HVAC (Heating, Ventilation, and Air Conditioning) Systems Comprehensive coverage for repairing or replacing essential components, ensuring homes remain comfortable throughout Minnesota’s diverse climates, from humid summers to harsh winters.
  • Plumbing Systems Protection against leaks, clogs, and water heater malfunctions. Given Minnesota’s occasional extreme weather conditions, these problems are common occurrences and can be effectively addressed with proper coverage.
  • Electrical Systems Coverage for repairs to wiring, outlets, and circuit breakers, ensuring safety and functionality. This becomes particularly crucial during severe weather events like thunderstorms and blizzards that Minnesota may experience.
  • Major Appliances Comprehensive coverage for essential household appliances, including refrigerators, dishwashers, and ovens.

Common Exclusions

  • Pre-Existing Conditions A home warranty plan might not cover existing issues with your systems or appliances.
  • Cosmetic Issues Repairs purely for aesthetic purposes are generally not covered.
  • Maintenance Neglect Breakdowns stemming from inadequate maintenance for appliances and systems. Thus, prioritizing regular upkeep is crucial to maintaining continuous coverage.
  • Specific Exclusions Carefully review the plan details, as companies may have varying exclusions. Understanding these exclusions is crucial for making informed decisions and maximizing the benefits of your home warranty in Minnesota.

Here are Additional Points to Consider

When exploring home warranty plans in Minnesota, it’s crucial to delve into additional aspects for a comprehensive understanding:

  • Coverage Caps Plans may limit how much they will cover for repairs or replacements.
  • Service Call Fees Some companies charge a set fee for each service call, while others may have variable fees.
  • Network Limitations Technicians within the warranty provider’s network may be unavailable in all areas, especially rural locations.

Who Regulates Home Warranty Companies In Minnesota?

In Minnesota, home warranty companies' regulatory landscape differs from that of traditional insurance. While there isn't a single central body overseeing them, watchdogs are in place to protect consumers. Let's explore these key entities:

  • Department of Labor and Industry (DLI) The DLI helps resolve disputes between homeowners and home warranty companies and provides a dispute resolution process if disagreements arise regarding these warranties. 
  • Minnesota Department of Commerce (DoC) The DoC does not directly regulate home warranty companies. However, it oversees the licensing of independent adjusters who may work with them to settle claims. Additionally, the DoC enforces the Minnesota Consumer Protection Act, prohibiting deceptive and unfair business practices. This means companies cannot mislead you in their advertising or during the sales process.
  • Minnesota Attorney General's Office: Home warranty contracts in Minnesota fall under the state's Unfair Trade Practices Act (UTPA). The Attorney General's Office enforces the UTPA, prohibiting deceptive and unfair business practices. Companies cannot mislead you with advertising or engage in deceptive sales tactics. 

Final Word

Conclusively, choosing the right home warranty company in Minnesota is a pivotal decision for homeowners seeking peace of mind and financial protection. This guide to the best home warranty companies aims to equip you with the necessary knowledge to make an informed choice that aligns with your home's distinctive requirements.

Frequently Asked Questions (FAQs)

What Are The Most Common Appliance Repairs In Minnesota?

A.

Minnesota residents frequently encounter common appliance repairs related to heating systems, refrigerators, and washing machines. The state’s chilly climate contributes to prevalent issues with heating systems, including furnace malfunctions and thermostat glitches. 

Additionally, refrigerator repairs often center around temperature control difficulties influenced by changing seasons.

Are Home Warranties Worth It In Minnesota?

A.

Yes, home warranties are worth considering in Minnesota. Given the state’s cold climate and the common appliance issues, such as heating system problems, refrigerator challenges, and issues with washing machines, a home warranty can provide valuable financial protection and peace of mind.

How Does A Home Warranty Work When Buying A House?

A.

A home warranty safeguards against unexpected repair or replacement costs for essential systems and appliances. The buyer or seller selects a coverage plan, and upon an issue, the homeowner contacts the warranty company, pays a service fee, and dispatches a service provider for assessment. 

Repair or replacement costs for covered items are typically covered by the warranty, providing financial protection and peace of mind during the initial homeownership period.

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