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

4.9 |

Excellent

$150 Off + 2 Months Free

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

(888) 580-5416

Pros & Cons

Pros

90-day workmanship guarantee
Coverage limits up to $15,000
30-day free trial

Cons

People find difficulty in knowing the exact pricing information

Plans, Cost & Coverage

Elite Home Warranty offers three plans: Elite Appliances, Elite Systems, and Elite Complete. The pricing starts at $44 per month, with a $70 deductible. The company offers coverage limits of $7,000 and system coverage up to $8,000 per contract term.

Here is a detailed overview of Elite Home Warranty plans and pricing:

	Elite Appliances	Elite Systems	Elite Complete
Cost at $70 Service Call Fee	$44.99	$49.99	$59.99

Elite Appliances

Covers 8 essential household appliances
Appliances are covered for up to $7,000
Suitable for Minnesota homeowners seeking appliance coverage under $45 per month

Elite Systems Plan

Covers 7 essential home systems
Systems are capped for up to $8,000
Ideal for people seeking systems coverage plans for less than $50 per month

Elite Complete

Comprehensive plan covering both home systems and appliances
Home items protected for up to $15,000 per contract term
Suitable for homeowners seeking comprehensive protection plans

Why We Picked It?

Elite Home Warranty is a relatively new entrant to the industry but offers comprehensive and customizable coverage plans. They provide homeowners with extensive dollar limits of up to $15,000 per contract term. Moreover, EHW offers exclusive features like a 30-day free trial, the option to select a preferred technician, a money-back guarantee, and more.

Best For Add-ons

4.7 |

Excellent

$200 Off + 2 Months Free + Free Roof Leak Protection

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

Offers live chat option for homeowners
24/7 customer service
Separate coverage for appliances and systems

Cons

Comparatively new in the market

Plans, Cost & Coverage

The three plans you can choose from LHG are Appliance Guard, Systems Guard, and Total Home Guard. These plans provide coverage for essential household items. Here is the pricing detail for them:

	Appliances Guard	Systems Guard	Total Home Guard
Monthly Plan	$49.99	$54.99	$59.99
Annual Plan	$499.99	$549.99	$599.99

Appliances Guard

Offers protection for nine home appliances
Includes protection for appliances such as refrigerators, dishwashers, and ovens
Ideal for homeowners looking to protect their day to day appliances

Systems Guard

Exhaustive coverage for important home systems
Offers coverage for six household systems
Ideal for homeowners in search of exhaustive systems coverage

Total Home Guard

Everything from Appliances and Systems Guard plans is included
15 essential household items covered for $59.99 per month
Comprehensive coverage that provides homeowners peace of mind

Why We Picked It?

Liberty Home Guard is in the list because of impeccable service to its clients. Along with providing 24/7 service, the company even offers a live chat option and also has a lot of optional add-ons along with separate coverage for household appliances and systems.

Best For Comprehensive Plans

3.7 |

Excellent

1^st month free + Free roof coverage

Monthly Cost

$46 - $55

Service Fee

$75 - $125

Response Time

Up to 48 hours

Pros & Cons

Pros

90-day parts protection guarantee
Free roof leaks coverage
Provides budget-friendly plans

Cons

Lesser coverage limits

Plans, Cost & Coverage

Choice Home Warranty offers two plans: Basic Plan and Total Plan, starting at $50 monthly. Deductibles range between $75 – $125 for each request. Additionally, Choice Home Warranty provides coverage of up to $3,000 per contract term.

Here’s how much the company charges for each of its plans:

Plans	Monthly	Yearly
Basic Plan	$49.83	$567
Total Plan	$58.58	$668

Basic Plan

Covers 14 key home systems and appliances
Plan includes heating, electrical, plumbing, and kitchen appliances
Ideal for MN homeowners requiring basic protection for home systems & appliances

Total Plan

This is a maximum coverage plan from Choice Home Warranty, protecting a total of 18 items
The plan covers key home items, plus laundry appliances
Suitable for people seeking comprehensive protection under $60/month

Why We Picked It?

Choice Home Warranty has been striving to make home warranties as easy to understand as possible for the past 13 years. The coverage offered by Choice Home Warranty are extensive and cost-effective. Additionally, even if your Minnesota home is a little older, they won’t reject it.

Best For Affordable Coverage

3.8 |

Excellent

$150 off + Free roof coverage + 2 months free

Monthly Cost

$44 - $47

Service Fee

$60 - $75

Response Time

12 - 48 hours

Pros & Cons

Pros

Offers budget-friendly plans
Two months free with annual plans
Same-day response on claims

Cons

Lesser coverage limits

Plans, Cost & Coverage

Select Home Warranty provides three plans – Bronze Care, Gold Care, and Platinum Care. These range between $44 to $47. Select Home Warranty has coverage limits of $2,000 per contract term.

Here is a breakdown of SHW’s costs and plans:

	Bronze Care	Gold Care	Platinum Care
Cost/Month	$44.42	$44.42	$47.75
Cost/Annum	$479.99	$479.99	$524.99

Bronze Plan

This plan provides coverage for 8 household appliances
Covers kitchen appliances like the refrigerator, oven, and dishwasher
Suitable for those seeking appliance protection plan

Gold Plan

Offers coverage for 7 home systems
The plan includes HVAC, plumbing, water heater, and electrical systems
Tailored for MN homeowners wanting systems coverage plan under $44/month

Platinum Plan

Protects 18 systems and appliances
Includes plumbing stoppages, garage door openers, and ceiling fans
Ideal for people seeking a comprehensive home warranty plan under $50 per month

Why We Picked It?

With over a decade of experience, Select Home Warranty provides three home warranty coverage plans that cater to customers across the USA, including Minnesota. These plans offer coverage for various systems and appliances or a mixture of both. Each plan also comes with complimentary roof coverage and many optional add-ons. Select Home Warranty is a cost-friendly choice with standard coverage and regular discounts.

Best For Customer Services

3.3 |

Good

$200 Off + 2 Months Free*

Monthly Cost

$38 - $44

Service Fee

$75

Response Time

48 hours

Pros & Cons

Pros

Plans starting from less than $2/day
Flexible coverage options
Workmanship guaranteed for 90 days

Cons

Lower dollar limit

Plans, Cost & Coverage

ServicePlus Home Warranty has two plans: the Gold Plan and the Platinum Plan, starting at $37 monthly, with a flat rate service fee of $90. SHW plans are capped up to $1,500 per contract term.

Let’s find out more about SPHW plans and costs.

	Gold Plan	Platinum Plan
Cost/Month	$37.46	$43.71
Cost/Annum	$349	$424

Gold Plan

Safeguards 15 home systems and appliances
Protects home items like heating, electrical, plumbing, and kitchen appliances
Considerable for MN homeowners seeking basic home warranty plan under $40 monthly

Platinum Plan

Comprehensive plan from SHW, covering a total of 20 household items
Includes HVAC, refrigerator, washer, and dryer
Suitable for homeowners wanting comprehensive coverage under $45 monthly

Why We Picked It?

ServicePlus Home Warranty offers an impressive network of approved and accredited contractors all over the States, even in Minnesota! They offer a unique 90-day guarantee for parts and a 30-day guarantee for labor. This ensures you get the best service for your home.

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 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?

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?

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 home warranty safeguards essential systems and appliances against unexpected repair or replacement. 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.

The warranty typically covers repair or replacement costs for covered items, providing financial protection and peace of mind during the initial homeownership period.