Home warranties can benefit homeowners in any state, but Minnesotans see a particularly large return on investment when purchasing this type of home protection plan. Minnesota residents face drastic seasonal changes, from frigid winters to hot, humid summers. These extreme shifts in weather can place a big burden on your home’s major systems, which work hard to keep you comfortable in each season. Thankfully, you can protect your household essential systems and appliances with a quality home warranty in Minnesota.

Additionally, the average home age is just under 50 years, which means most homeowners will see issues with major systems that are covered by warranties. Our review below should help you choose the best home warranty for these local issues and more.

Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Coverage Limits
AHS Logo
VISIT SITE
Limited Time:
40% Off Our Most Popular Plan
Best Customer Ratings
VISIT SITE
Limited Time:
$150 Off + 1 Month Free
Best Claims Acceptance
choice home warranty logo
VISIT SITE
Limited Time:
$50 Off + 1 month free!

The Best Home Warranty Companies in Minnesota

While we recommend all the providers in this review, our top choice is Liberty Home Guard. The company’s comprehensive protection plans and reliable customer service make it a particularly high-quality option. Regardless of which home warranty company you select, it’s important to receive quotes from multiple providers so that you can compare plans, rates, and coverage options.

Get started with this list of the best home warranties in Minnesota:

Liberty Home Guard: Best For Customization
Why Trust Us?

Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.

76

Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.

152

We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.

6

Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.


Compare the Best Home Warranties in Minnesota

The table below outlines data for the best home warranty companies on the market. We constantly update these ratings as companies change their policies and prices to give you the most accurate information possible. Continue reading for our specific reviews of the top options in your state.

CompanyStar RatingBest ForMonthly CostService FeeResponse TimeBBB Rating
VISIT SITE

Best for Customization

$50-$60

$75

12-48 hrs.

NR

Best Coverage Limits

$35–$75

$100–$125

24-72 hrs

B

VISIT SITE

Best Customer Ratings

$44.99-$58.99

$70

48 hours

A+

choice home warranty logo
VISIT SITE

Best Claims Acceptance

$46–$55

$85

24-48 hrs.

B

select home warranty logo
VISIT SITE

Best Value

$52–$58

$60

24-48 hrs.

B

VISIT SITE

Best for Additional Benefits

$38–$62

$75–$125

48 hours

B

first american logo
VISIT SITE

Best Appliance Coverage

$38–$48

$75–$125

48 hours

B

Best for Preventative Maintenance

$28–$68

$100–$150

2–24 hrs

B

CompanyRatingMonthly CostService FeeResponse TimeBBB RatingLink

$50-$60

$75

12-48 hrs.

NR

VISIT SITE
AHS Logo

$35–$75

$100–$125

24-72 hrs

B

VISIT SITE

$44.99-$58.99

$70

48 hours

A+

VISIT SITE
choice home warranty logo

$46–$55

$85

24-48 hrs.

B

VISIT SITE
select home warranty logo

$52–$58

$60

24-48 hrs.

B

VISIT SITE

$38–$62

$75–$125

48 hours

B

VISIT SITE
first american logo

$38–$48

$75–$125

48 hours

B

VISIT SITE

$17–$60+

$65–$100

2–24 hrs

A-

VISIT SITE

$28–$68

$100–$150

2–24 hrs

B

VISIT SITE

Quote and cost data gathered January 2023 for a 3,000-square-foot home in Burnsville, Minnesota. Cost data are updated and monitored continuously.


How to Choose the Best Home Warranty in Minnesota

Now that you have your options narrowed down to the top five, it’s time to choose the one that is best suited for your Minnesota home. There are several key features you can look for across these plans to ensure that you choose the best one for you. A few things that we would consider looking into are the overall pricing, BBB ratings, and exclusions. 

The overall pricing of the plan is going to be a combination of the monthly price and the service fees. You may have a budget in mind, and you will have to choose a plan that stays within budget but also offers the coverage that you need. 

BBB ratings are typically a good indication of what to expect from a company. Reading these reviews can help you see how a home warranty company handles issues that come up.

All home warranty companies will have exclusions. These can be anything from certain expensive parts in an appliance or an entire brand of appliances. Make sure that you carefully look into the exclusions to make sure you don’t run into a problem when you file a claim. 

All of the above criteria are crucial considerations to make when choosing a home warranty in Minnesota. There are some local factors that come into play when deciding as well, though.

One such factor is the long and frigid winter that Minnesotans experience every year. The monthly lows in MN can remain under 60 degrees for every month but July, which means your heating system could be running almost year-round. This puts immense stress on the equipment, so you should consider a plan that covers heating systems to stay adequately protected.

Another thing you’ll want to consider is the high humidity throughout the state in the summers. Elevated humidity levels can not only put added stress on your refrigerator to keep food cool and dry, but it can also make your home feel less comfortable in terms of temperature. As a result, many homeowners increase their heat or AC accordingly, putting more strain on equipment and increasing the likelihood of it failing. A home warranty that covers heating, AC, and refrigerators will be particularly useful in Minnesota.


How Much Do Minnesota Home Warranties Cost?

According to our recent nationwide study on average home warranty costs in each state, a home warranty in Minnesota has an average annual cost of $660 or $55 per month. The average cost of a home warranty in Minnesota is slightly higher compared to most Midwest states and a bit higher than the U.S. national average of $601 per year. However, the price for your home warranty plan can be higher or lower depending on your home size, plan type, and any optional add-ons you choose.

When filing a new home warranty claim for a repair, you will have to pay a service fee in addition to the monthly premium. Service fees range from $60 to $150 per appointment, depending on the home warranty provider and plan. Our nationwide market research shows that the industry average service fee is around $76.55. 

To get the most benefit from your home warranty plan, you need to clearly understand its annual coverage limits, which are provided in your provider’s policy documents and contract. The coverage cap or limit refers to the maximum amount that your home warranty provider will reimburse for the repairs to a specific home system and appliance. For example, if your provider has a coverage cap of $2,500 per year for your refrigerator and it costs $3,000 to repair it, you will need to pay the $500 out of pocket.

Our research shows that the average annual coverage limit for home appliances and systems is around $3,072. To avoid potential overage costs, we recommend that Minnesota residents choose a home warranty plan with a coverage limit of at least $3,000. Furthermore, all providers offer optional add-ons to your plan, typically with a coverage cap of around $500 per year. However, this depends on your plan and provider too. 

Home Warranty Cost Calculator

Use our home warranty cost calculator to help estimate your annual costs for a home warranty plan. All you have to do is type in your monthly premium, service call fee, and the number of service visits you expect in one year. The tool will then provide a complete annual cost to help you budget it into your expenses. 

Appliance Average Repair Cost Average Replacement Cost
Dehumidifier $50–$200 $1,300–$2,800
Microwave $50–$400 $60–$2,000
Dishwasher $50–$500 $400–$3,000
Exhaust Fans $16–$300 $250–$950
Electric Range $100–$500 $230–$3,000
Gas Range $100–$500 $230–$3,000
Dryer $100–$400 $450–$2,300
Oven $100–$430 $400–$3,000
Washer $50–$450 $400–$2,300
Freezer $90–$500 $160–$2,900
Refrigerator $40–$350 $200–$5,000

Home Warranty Regulations in Minnesota

Before signing a contract with any home warranty provider in Minnesota, it is useful to know where you can file a complaint if something goes wrong. The state offers a home warranty dispute resolution through the Minnesota Department of Labor and Industry. 

It provides the guidelines and resources specific to home service contracts. Each home warranty in MN must obtain a registration with the Department of Commerce. 

If you are buying a newly constructed home, state laws also require the builder to provide you with a home warranty for the first year. After that, some builders include a warranty that covers major home systems, but they do not include appliances, additions, or changes you make to your home. 

Today’s Homeowner Tips
Even if you are moving into a brand new home, it is a good idea to cover your property with a protection plan that includes items like your refrigerator, clothes washer, clothes dryer, cooktop, water heater, garbage disposal, garage door opener, dishwasher, ductwork, heating system, plumbing stoppages, air conditioners, and other major appliances and home systems.

Resources for Minnesota Homeowners and Home Buyers

  • First-Time Homebuyer Plymouth, MN: Plymouth, MN is a great spot to live. If you are on your path to finding your new home, take a look at what this Minnesota city offers. Sometimes all it takes is a bit of help on a down payment or a rebate to make homeownership a reality. 
  • Homebuyers Handbook For Minnesota: There are many steps to the home purchase process, and making sure that you have those steps all covered is stressful. Luckily the Homebuyers Handbook is a great option to consider for those that are ready and willing to purchase a home. 
  • Minnesota Home Buying: Minnesota Home Buying is a resource that will help anyone that wants to purchase a home in Minnesota. The great thing about this website is that you will have lots of frequently asked questions that other homeowners may have had. 
  • St.Paul Homebuyer and Homeowner Resources: If you own a home in St.Paul or are thinking of purchasing one in this location, the resources found here will be a tremendous benefit. Take a look at the fact sheets that help you plan every aspect of your home-buying experience.
  • Minnesota Weatherization: For Minnesota, homeowners that are looking to protect their homes from harsh Minnesota winters or apply certain energy upgrades to a home, the Minnesota Weatherization is a great resource to consider. With these resources, you can get your home ready for a warranty.

Our Reviews of the Best Minnesota Home Warranty Companies

Best for Customization

Liberty Home Guard

4.6

Our Rating

Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage

Liberty Home Guard (LHG) is a relative newcomer in the industry that’s already made an impact, serving customers in all 50 states and offering one of the cheapest service fees in the business at $60. To keep customers saving money, the provider has three affordable plans to match its low deductible. Additionally, LHG has a wide variety of optional add-ons, offering extra protection for 28 different items.

To get a free quote, visit Liberty Home Guard online.
60-day workmanship guarantee
Offers 24/7 customer service
Doesn’t require a contract commitment
Opened for business in 2019, making it relatively new to the industry
Only covers 15 items in its most comprehensive plan

Liberty Home Guard gives customers the choice of three plans: Appliance Guard, Systems Guard and Total Home Guard. Appliance Guard protects nine of your essential appliances while Systems Guard protects six major home systems.

For the most comprehensive coverage, LHG offers its Total Home Guard. This plan covers all items in the previous two plans, protecting 15 appliances and systems, such as your clothes washer, air conditioning, ductwork and water heater. Additionally, the provider has 28 optional add-ons, offering coverage for items such as lighting fixtures, swamp cooler and central vacuum.

Here’s a detailed look at Liberty Home Guard’s coverage: 

  • Appliance Guard (starting at $65/month): As you might have guessed, the Appliance Guard plan includes coverage for most home appliances. It includes refrigerators, stoves, microwaves, dishwashers, ice makers, cooktop exhaust fans, garbage disposals, washers, dryers, garage door openers, and ceiling fans. This plan is a bit on the expensive side for appliances only, but it covers most appliances.
  • Systems Guard (starting at $70/month): The Systems Guard plan excludes all appliances and instead offers protection for your home systems. You’ll get peace of mind when it comes to plumbing, electrical, heating, and air conditioning systems, as well as water heaters, HVAC ductwork, toilets, and bathroom exhaust fans.
  • Total Home Guard (starting at $75/month): The Total Home Guard plan is, by far, the best deal and the most comprehensive option from Liberty Home Guard. This plan is just a few dollars more per month than the others, but it covers everything that the two others do in one comprehensive coverage plan.
CoverageAppliance GuardSystems GuardTotal Home Guard
Clothes washer 
Clothes dryer 
Refrigerator 
Built-in microwave 
Dishwasher 
Garbage disposal 
Range/oven/cooktop 
Ceiling and exhaust fans 
Garage-door openers 
Air conditioning 
Heating system 
Ductwork system 
Plumbing system 
Electrical system 
Water heater 

Liberty Home Guard has three affordable plans that each come with a $60 service fee. Like many competitors, LHG helps customers save money by offering two free months when you sign up for a yearly contract. Take a look at the price breakdown for a single-family home in Minnesota.

PlanMonthly CostCost of Single Payment
Appliance Guard$49.99$499.99
Systems Guard$54.99$549.99
Total Home Guard$59.99$599.99
Best Coverage Limits

American Home Shield

4.3

Our Rating

Limited Time:
40% Off Our Most Popular Plan

American Home Shield (AHS) is our top pick for Minnesota homeowners looking for a home warranty. The provider has over 50 years of industry experience and gives customers their choice of three comprehensive plans, even throwing in optional add-on coverage for protection on well pumps, sewage ejector pumps and electronics.

Covers 26 items in its most comprehensive plan
Allows customers to choose between a $75, $100 or $125 service fee
Offers add-on protection for home electronics
Isn’t available in Alaska
Guarantees repairs for a short period of 30 days

American Home Shield customers can choose from three coverage options: ShieldSilver, ShieldGold and ShieldPlatinum. For homeowners looking to protect essential systems, the ShieldSilver plan is a reasonable choice, offering coverage on 14 items like your air conditioner, heating unit and interior plumbing lines. For coverage on both systems and appliances, AHS offers its ShieldGold plan, which covers 23 items, including your oven, dishwasher and toilets.

For the most comprehensive coverage, AHS offers its ShieldPlatinum plan, which combines the coverage of the previous two plans and adds protection for roof leaks, HVAC tune-up and AC refrigerant. For an extra cost, AHS also has add-on coverage for your pool or spa equipment, well pump, septic system plumbing, septic sewage ejector pump and electronics.

Here’s a detailed look at American Home Shield’s coverage: 

  • ShieldSilver (starting at $40/month): The ShieldSilver Plan includes 14 home systems, but all appliances are excluded. You’ll get coverage for your electrical, heating, and plumbing systems, plus HVAC ductwork, water heaters, and air conditioners. Some other nice additions include smoke alarms and garage door openers. Home system plans are usually more costly than appliance plans, but this one is very affordable.
  • ShieldGold (starting at $50/month): Rather than offering an appliances-only plan, AHS provides the ShieldGold plan, which adds to the coverage in ShieldSilver. In addition to the 14 systems, you’ll get coverage for refrigerators, stoves, cooktops, microwaves, dishwashers, clothes washers, dryers, garbage disposals, and instant-hot water systems.
  • ShieldPlatinum (starting at $65/month): ShieldPlatinum is American Home Shield’s most comprehensive plan. It comes at the highest cost but covers just about everything in your home. You’ll get coverage for everything in the Silver and Gold plans, plus unlimited AC refrigerant deliveries, roof leak repair, annual AC preventative maintenance, and even permits and code violations. This plan also comes with higher coverage caps than the other two plan options.
CoverageShieldSilverShieldGoldShieldPlatinum
Air conditioner
Heating unit
Ductwork
Built-in exhaust, vent and attic fans
Main breaker and fuse panel box
Doorbells and chimes
Interior electrical lines
Ceiling fans
Garage door openers
Interior plumbing lines
Toilets
Faucets and valves
Whirlpool tub motor and components
Water heater
Refrigerator 
Range/Cooktop 
Oven 
Dishwasher 
Built-in microwave oven 
Garbage disposal 
Instant hot/cold water dispenser 
Clothes washer 
Clothes dryer 
Roof leak repairs  
HVAC tune-up  
AC refrigerant  

Although American Home Shield is slightly more expensive than its competitors, it allows customers to select their own service fee. This fee is the one-time payment you owe to the technician that comes to your home to assess or repair your broken appliance or system. By choosing your own deductible, you can change your monthly premium. Your price will decrease with a higher service fee and increase with a lower one.

Below is a monthly price breakdown of each AHS plan for a single-family home in St. Paul, Minnesota:

Plan$75 Service Fee$100 Service Fee$125 Service Fee
ShieldSilver$59.99$49.99$44.99
ShieldGold$69.99$59.99$54.99
ShieldPlatinum$89.99$79.99$74.99

American Home Shield offers additional coverage for 11 items, including pools, spas, septic systems, well pumps, and more. These add-ons can fit nearly any budget, and many of these covered items cost less than $20 per month. For instance, you can add roof-leak coverage for just $10 per month.

As mentioned, you get unlimited coverage for your home systems – such as your air conditioner or heating system — and either $2,000 per appliance or $4,000 per appliance if you choose ShieldGold or ShieldPlatinum, respectively.

AHS covers damage caused by normal wear and tear and does not cover damage caused by misuse, lack of maintenance, or poor installation. However, American Home Shield will cover preexisting conditions if the damage was not previously discovered.

Best Claims Acceptance

Choice Home Warranty

4.3

Our Rating

Limited Time:
$50 Off + 1 month free!

Choice Home Warranty (CHW) has a better claims acceptance rate than any other home warranty company in Minnesota. It is an established company with over 15 years in business and has provided home warranty packages to thousands of homeowners across the nation.

Choice has two comprehensive plans and various optional add-ons that Minnesota homeowners can choose from. With a great claims acceptance rate, dedication to its customers, and great reliability homeowners can rest assured that CHW will swiftly remedy any issues with their home systems and appliances.

Best claims acceptance rate
Over 15 years experience
$3,000 coverage cap per item
Basic plan lacks AC coverage
Exclusions for certain components
$85 service call fee per visit

Choice Home Warranty plans for Minnesota homeowners include the Basic Plan and the Total Plan. Both cover a mix of home appliances and systems and have an $85 service call fee.

  • Basic Plan ($45 per month): Covers 14 home appliances and systems, including dishwashers, cooktop exhaust fans,  ovens, ductwork, garbage disposals, toilets, electrical systems, plumbing systems, plumbing stoppages, built-in microwaves, ceiling fans, heating systems, garage door openers, and water heaters.

Total Plan ($53.33 per month): Covers all 14 items in the Basic Plan, along with air conditioning units, refrigerators, clothes washers, and clothes dryers.

Optional Add-ons

Minnesota homeowners can add the following optional add-ons to their CHW home warranty plans.

Optional add onCost
Central vacuum system$3.33 per month or $40 per year
Pool and spa (in-ground set-ups only)$15 per month or $180 per year
Roof leak repairs (single family homes)$5.83 per month or $70 per year
Second refrigerators$3.33 per month or $40 per year
Septic systems$10 per month or $120 per year
Septic tank pumping$5.42 per month or $65 per year
Sprinkler systems$8.33 per month or $100 per year
Standalone freezers$3.33 per month or $40 per year
Sump pumps$3.33 per month or $40 per year
Well pumps$8.33 per month or $100 per year

Exclusions and Coverage Limits

Choice Home Warranty has exclusions for the following items and breakdown causes in its plans.

  • Electrical systems: Circuit overloads, generators, socket face plates, solar power systems, and energy management systems are excluded from coverage.
  • Garage door openers: Overhead garage doors and door track assemblies are not covered by CHW.
  • HVAC: Window air conditioning units, portable AC units, fuel storage tanks, refrigerant lines, outdoor pipes, underground pipes, well pumps, and clogged ducts aren’t covered.
  • Plumbing systems: Plumbing stoppages caused by broken drains outside the foundation of your house, bathtubs, sinks, toilet lids and seats, jets, caulking, showers, shower base pan/enclosure, septic systems, saunas, water filtering systems, and holding/storage tanks are excluded from coverage.
  • Water heaters: Energy management systems, vents, fuel tanks, flues, and thermal expansion tanks aren’t covered by Choice. Secondary holding tanks and water heaters larger than 75 gallons are not covered as well.

CHW has coverage caps of $3,000 per item per annual term, which is slightly above the average of all the providers we feature.

Best Value

Select Home Warranty

4.2

Our Rating

Limited Time:
$150 Off (Code HOUSE25)

Select Home Warranty is known for its low monthly premiums and affordable service fee of $75. The provider serves customers in 46 states and offers free roof leak coverage for all customers, no matter which plan you choose for your home. In addition to its comprehensive plans, the provider offers eight optional add-ons to help customers round out their coverage.

Get a free online quote from Select Home Warranty.
Has a 90-day repair guarantee
Offers discounts on yearly plans
Processes claims online or over the phone
Can charge more than one service fee if more than one type of repair is needed
Doesn’t cover fixtures

Select Home Warranty offers policyholders coverage through three plans: Bronze Care, Gold Care and Platinum Care. The Bronze Care Plan protects eight major appliances while the Gold Care Plan covers six essential home systems. 

Here’s a detailed look at Select Home Warranty’s coverage: 

  • Bronze Plan (starting at $52/month): The Bronze Plan is one of the basic offerings from Select Home Warranty that only covers appliances. You’ll have protection for your refrigerator, stove, cooktop, microwave, garbage disposal, washers, and dryers. This is an affordable plan with great appliance coverage for those who don’t need their home systems insured.
  • Gold Plan (starting at $52/month): The Gold Plan is the systems plan option from Select Home Warranty. It covers major home systems like plumbing, electrical, heating, and air conditioning. It also includes coverage for water heaters and HVAC ductwork.
  • Platinum Plan (starting at $57/month): At just $5 more than the other plan options, the Platinum Plan is the most comprehensive offering from Select Home Warranties. It covers all appliances and systems in both the Bronze Plan and the Gold Plan, and it also adds coverage for plumbing blockages, ceiling fans, and garage door openers.

For complete coverage, the provider offers its Platinum Care Plan, which combines coverage from the previous two plans while adding protection for your garage door openers, plumbing stoppages and ceiling fan. Additionally, Select offers a variety of optional add-ons, listed below:

  • Central vacuum
  • Lawn sprinkler system
  • Pool
  • Roof leak
  • Septic system
  • Spa
  • Stand alone freezer
  • Sump pump
  • Well pump
CoverageBronze CareGold CarePlatinum Care
Air conditioning 
Ductwork 
Electrical system 
Heating system 
Plumbing system 
Water heater 
Cooktop 
Dishwasher 
Garbage disposal 
Built-in microwave 
Refrigerator 
Stove/Oven 
Clothes washer 
Clothes dryer 
Garage door openers  
Plumbing stoppages  
Ceiling fan  

Select Home Warranty offers three affordable plans that can be paid on a monthly basis or through yearly contracts. The provider offers two free months to help you save additional money if you choose a yearly lump sum.

Here’s a look at each plan’s cost for a single-family home in St. Paul, Minnesota:

PlanMonthly CostYearly Cost
Platinum Care$46.08$499.99
Gold Care$41.67$449.99
Bronze Care$41.67$449.99
Best for Additional Benefits

AFC Home Club

4.3

Our Rating

Limited Time:
$200 off + free roof leak coverage

With over 10 years of service nationwide, America’s 1st Choice Home Club has established itself as a quality home warranty provider that prioritizes customization. Not only does the provider give its customers the choice of four coverage plans and multiple optional add-ons, but it also offers homeowners three service fee options to adjust monthly premiums.

To get a free quote visit AFC Home Club.
Lets customers use their own licensed contractor
Offers nationwide service
Guarantees repairs on covered items for the life of your contract
Charges a $75 cancellation fee
Requires claim forms within one day of noticing a necessary repair

America’s 1st Choice Home Club offers some of the best plan options in the industry, providing customers with the choice of four plans: the Systems Plan, Silver Plan, Gold Plan and Platinum Plan. The Systems Plan protects six of your home’s essential systems, including the air conditioning and electrical systems. The Silver Plan protects eight essential appliances while the Gold Plan combines the previous two coverages to protect 14 appliances and systems.

For the most comprehensive coverage, America’s 1st Choice Home Club offers a Platinum Plan. This plan protects up to 18 systems and appliances, including coverage for your built-in microwave, ice maker and plumbing systems. Additionally, the provider offers six optional add-ons, such as coverage for your sump pump, septic system, hot water dispenser, pool and spa, stand-alone freezer and tankless water heater.

CoverageSystem PlanSilver PlanGold PlanPlatinum Plan
Air conditioning system 
Heating systems 
Water heater 
Electrical system 
Plumbing system 
Ductwork 
Clothes dryer 
Clothes washer 
Kitchen refrigerator 
Oven 
Range 
Dishwasher 
Garbage disposal 
Garage-door opener 
Built-in microwave   
Ice maker   
Plumbing stoppages   

America’s 1st Choice Home Club has affordable plan options with monthly costs that fluctuate based on your selected service fee. A service fee is the deductible you owe to the service technician that’s dispatched to your home to assess or repair a damaged item. The lower your selected service fee, the higher your monthly payment, and vice versa.

Below is a cost breakdown for a single-family home at three different service fees in St. Paul, Minnesota:

Plan$75 Service Fee$100 Service Fee$125 Service Fee
System Plan$45.50$43.17$40.17
Silver Plan$38.33$35.92$33.58
Gold Plan$52.75$50.33$47.92
Platinum Plan$57.50$55.08$52.75


Are Home Warranties Worth it in Minnesota?

There’s no guarantee that a home warranty will save you money, but most homeowners do find that their home warranty provides substantial savings in the long run.

It’s easy to see the potential value of a home warranty if you look at average costs for common home repairs and services:

  • Average cost for a plumber: $300
  • Average cost for an electrician: $275
  • Average cost for an HVAC repair: $275
  • Average cost for fridge repair: $250
  • Average fridge replacement cost: $2,000
  • Average cost for a roof leak repair: $1,500

Now consider that, with a home warranty, all you’ll pay for most of these repairs and replacements is the $85 service call fee. That amounts to massive savings, even if you only experience one of these repair needs per year. Most homeowners will see more than one annually, making home warranties an even better deal.

Home warranties pay for ‌repairs on a range of home appliances and systems. Typically, the homeowner pays a fixed monthly or annual premium along with a service call fee for each repair visit. Usually, just one or two expensive repairs are enough to recoup your yearly premium.  When you have an issue, your home warranty provider will handle scheduling the repairs and cover the costs of labor and replacement parts.

However, it is important to note that home warranties do not provide coverage for all items or issues in your home. While a plan may include common appliances such as refrigerators, washing machines, dryers, ovens, and dishwashers, most don’t cover items like furniture, paint, flooring, etc. Furthermore, home warranties all have specific exclusions for covered items. Typical exclusions include accidental damage, misuse, cosmetic issues, and damage caused by natural disasters. What home warranties do cover are breakdowns resulting from normal wear and tear.

Normal wear and tear is a common result of using appliances and home systems. Increased usage leads to more wear and tear, increasing the likelihood of failures that require repairs. Many home warranty providers offer three plan options: appliance-only, systems-only, and a combined plan at a discounted rate. However, a handful offer tiered plans that mix appliance and home system coverage. Covered items vary by plan and provider, but each provider offers a la carte add-on options, too. Minnesota homeowners can pick the add-ons they need for their homes. 

Home warranty plans usually exclude coverage for any type of failure or breakdown that is not caused by normal use. Here are the common exclusions that most home warranty providers have: 

  • Natural disasters
  • No or too little maintenance 
  • Misuse
  • Cosmetic damage
  • Accidental damage
  • Intentional damage

For many Minnesota residents, a home warranty is worth it just for the peace of mind it provides. You’ll never have to worry about your budget unexpectedly being blown on an appliance or home system repair again.


Biggest Complaints about Home Warranty Companies in Minnesota

Most Minnesota homeowners are happy with the coverage they receive from home warranty companies. However, as is the case in any industry, there are some complaints that appear frequently in customer reviews.

One of the most commonly complained about factors when it comes to home warranties is denied coverage with lack of reason or explanation. In some cases, it’s likely that these complaints were made because of a lack of understanding about the limitations of the home warranty. It’s crucial that you read your service contract carefully and know about limitations and exclusions. In other cases, it could be disingenuous home warranty companies trying to save money. You should always go with a reputable provider, like the ones we have reviewed above.

Another complaint we see about home warranties from Minnesota residents is higher out-of-pocket costs than were expected. It’s crucial to remember that home warranties have coverage caps, above which the repair costs will be your responsibility. You can choose a company based, at least in part, on the coverage caps you think you need.

Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Coverage Limits
AHS Logo
VISIT SITE
Limited Time:
40% Off Our Most Popular Plan
Best Customer Ratings
VISIT SITE
Limited Time:
$150 Off + 1 Month Free
Best Claims Acceptance
choice home warranty logo
VISIT SITE
Limited Time:
$50 Off + 1 month free!

FAQs About Minnesota Home Warranties

How long are home warranties?

Most home warranty plans last one year and can be paid month-to-month or in one lump sum. However, some providers offer discounted multi-year plans if you pay the total amount at the beginning of your coverage.


What is a home warranty?

Also known as a home service contract, a home warranty covers repair or replacement costs for your current or new home’s systems and appliances when they break down due to normal wear and tear. This is different from homeowners insurance, which only covers property damage incurred through natural disasters and other unexpected events.


Are home warranties worth it?

With Minneapolis ranking 15th for homes selling above asking price, a home warranty is worth it in Minnesota.


What is the best home warranty company in Minnesota?

Minnesota homeowners are lucky to have the Choice Home Warranty plan in place. This is a well-done home warranty policy with a good range of coverage options, more than 13 years in the industry, and impressive customer service. You can easily qualify for Choice Home Warranty coverage even if you live in an older home.


Who needs a home warranty?

Any Minnesota homeowner that is worried about the unexpected expenses of repair and replacement of systems and appliances in the home will benefit from a home warranty. If you know how to fix your own HVAC or dishwasher, a home warranty might not be a good fit. However, having a home warranty in place typically saves both time and money.



Today's Homeowner Home Warranty Ranking Methodology

At Today’s Homeowner, we strive to bring you the most transparent, accurate information for your home improvement projects. Our home warranty company ratings emphasize what matters most to you — whether you’re looking for low-cost coverage, a hassle-free repair process, 24/7 assistance, or all of the above.

Our ratings are based on publicly available information about each company, secret shopping online and over the phone, customer-review analysis, and discussions with real estate professionals and repair contractors.

A company can earn a maximum of 100 points across six categories converted to a five-star scale. We researched more than 60 home warranty providers to develop the following formula:

  • Plans and Coverage (24 points): A home warranty provider can earn the maximum point value in this category if it offers multiple robust plans that cover all basic systems and appliances and optional add-on coverage. We give bonus points to companies that cover uncommon items, such as electronics and roof leaks.
  • Affordability (22.5 points): When evaluating costs, we not only consider monthly plan prices, but we also take into account the cost of add-on coverage, service fees, and whether companies offer free cancellation periods or money-back guarantees. If a provider allows potential customers to view sample contracts before getting a quote, that transparency earns more points in this category.
  • Customer Experience (18.5 points): A home warranty company must give its customers ample support when they experience issues. We gauge overall support by looking at customer reviews and conducting homeowner surveys. We also go through the quote process with each company and take meticulous notes about the friendliness of salespeople, how detailed each quote is, and how often the provider contacts us after giving a quote. 
  • Company Reputation (17.5 points): In this category, we look at a combination of customer reviews and reputable organizations such as the Better Business Bureau (BBB). We also consider the years of company experience, how satisfied its employees are, and whether it has been hit with any consumer rights violations or lawsuits. 
  • Claims Process (12.5 points): We score providers highly when they offer short response times, multiple ways to file claims, and around-the-clock availability. Companies can earn bonus points if they have a good reputation for quick and easy claims processing.
  • Availability (5 points): Providers that serve more areas can have experience dealing with a wider range of homeowner headaches. A company earns the maximum points in this category if it offers services in most U.S. states.

We monitor company data on an ongoing basis to keep rankings and information up to date.

Editorial Contributors
avatar for Alora Bopray

Alora Bopray

Staff Writer

Alora Bopray is a digital content producer for the home warranty, HVAC, and plumbing categories at Today's Homeowner. She earned her bachelor's degree in psychology from the University of St. Scholastica and her master's degree from the University of Denver. Before becoming a writer for Today's Homeowner, Alora wrote as a freelance writer for dozens of home improvement clients and informed homeowners about the solar industry as a writer for EcoWatch. When she's not writing, Alora can be found planning her next DIY home improvement project or plotting her next novel.

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Roxanne Downer

Editor

Roxanne Downer is a commerce editor at Today’s Homeowner, where she tackles everything from foundation repair to solar panel installation. She brings more than 15 years of writing and editing experience to bear in her meticulous approach to ensuring accurate, up-to-date, and engaging content. She’s previously edited for outlets including MSN, Architectural Digest, and Better Homes & Gardens. An alumna of the University of Pennsylvania, Roxanne is now an Oklahoma homeowner, DIY enthusiast, and the proud parent of a playful pug.

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