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.

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. The harsh winters in the North Star State put added strain on heating systems and water heaters, requiring more frequent servicing and repairs that a home warranty would cover.

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.

Best Claims Acceptance Rate
logo choice home warranty
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Limited Time: $50 Off + 1 month free when you signup today!
Best for Customization
liberty home guard logo
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Limited Time: $200 Off + 2 Months Free + Roof Leak Protection.
Best Overall Value
select home warranty logo
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Limited Time: Use code HOUSE25 for $150 off & 2 months free.
Best Coverage Limit
american home shield
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Limited Time: $150 OFF All Home Warranty Plans for new members.

The Best Home Warranty Companies in Minnesota

American Home Shield: Best Coverage Limits

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.

Company

Monthly Cost

Service Fee

Coverage Limit

Response Time

Rating

States Covered

$46.83–$54.75+

$85

$3,000

24–48 hours

4.0

49 states, excluding WA

$49.99–$69.99+

$65–$125

$2,000

12–48 hours

4.5

50 states

$60.42–$63.75+

$60–$75

$3,000

24–48 hours

4.3

47 states, excluding NV, WA, and WI

$49.99–$99.99

$75–$125

$6,000

24–72 hours

4.2

49 states, excluding AK

$30.00–$60.00

$75–$125

$3,000

24–48 hours

4.3

49 states, excluding HI

$39.99–$54.99

$100–$125

$2,000

24–48 hours

4.1

48 states, excluding AK and HI

$17.00–$60.00

$65–$100

$2,500

24–48 hours

4.0

42 states, excluding AK, HI, MT, NH, ND, OK, SD, and WY

$36.00–$46.50

$75–$125

$3,500

24–48 hours

3.9

34 states, excluding AK, CT, DE, HI, IL, LA, ME, MA, MN, NH, NJ, NY, ND, RI, VT, and WI

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

Best Coverage Limits

American Home Shield

4.2

Our Rating

Limited Time: $150 OFF All Home Warranty Plans for new members.

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.


Most Customizable Plan Options

AFC Home Club

4.2

Our Rating

Limited Time: Save Up to $250 + 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

Best Value

Select Home Warranty

4.2

Our Rating

Limited Time: Use code HOUSE25 for $150 off & 2 months free.

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 Customization

Liberty Home Guard

4.5

Our Rating

Limited Time: $200 Off + 2 Months Free + Roof Leak Protection.

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

Other Home Warranty Resources


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. 

  • Overall Pricing: 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: 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. 
  • Exclusions:  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.

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.

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.

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.

Our Verdict

A Minnesota home warranty provides the peace of mind that your essential home systems and appliances are taken care of should they break down due to normal wear and tear. This protection keeps you from paying out of pocket for expensive repairs and replacements while helping you resolve issues around the house as quickly as possible.

While we recommend all the providers in this review, our top choice is American Home Shield. The company’s comprehensive protection plans and extensive industry experience 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.

Best Claims Acceptance Rate
logo choice home warranty
Visit Site
Limited Time: $50 Off + 1 month free when you signup today!
Best for Customization
liberty home guard logo
Visit Site
Limited Time: $200 Off + 2 Months Free + Roof Leak Protection.
Best Overall Value
select home warranty logo
Visit Site
Limited Time: Use code HOUSE25 for $150 off & 2 months free.
Best Coverage Limit
american home shield
Visit Site
Limited Time: $150 OFF All Home Warranty Plans for new members.

Frequently Asked Questions 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.


Home Warranty Rating Methodology

To help you find the best home warranty, our reviews team researched numerous home warranty companies, analyzing their coverage plans, pricing and customer service, among other factors:

  • Coverage: Home warranty companies that provide extensive coverage and protect important systems and appliances, including your air conditioning, refrigerator and heating, scored higher than companies with minimal coverage.
  • Plan variety: A provider with more coverage plans allows for more flexibility among customers. In general, most home warranty companies provide an appliances-only plan, systems-only plan and combination plan.
  • Pricing: We scored providers based on their monthly plan prices and service call fees compared to the industry average pricing. Companies with more affordable coverage received more points than companies with more expensive plans.
  • State availability: Where you live will determine what companies are available in your area. Home warranty companies that covered more states received more points than companies with a limited state availability.
  • Trustworthiness: There are some home warranty companies that are scams and don’t follow through on their service agreements. We rated companies based on their years of experience, ratings on the Better Business Bureau (BBB) and customer reviews.

To keep our data current, our team regularly updates the data points for each company to ensure their coverage offerings, pricing and availability are accurate.

Editorial Contributors
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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