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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.
A home warranty covers the cost of repairs and replacements when your appliance or system breaks down due to normal wear and tear, protecting you from expensive out-of-pocket costs. To help you select the provider that’s right for your home, we analyzed the best home warranty companies and received sample quotes from each provider through secret shopping. Read on to learn more about each service provider’s pricing, benefits, plans and coverage.
In this article:
- Best Overall: American Home Shield
- Most Customizable Plan Options: America’s 1st Choice Home Club
- Best for Value Shoppers: Select Home Warranty
- Best for Unique Coverage: Liberty Home Guard
- Our Verdict
- Frequently Asked Questions
Best Overall: American Home Shield
Quick Take
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.
Pros and Cons
✓ 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
Plans and Coverage
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.
| Coverage | ShieldSilver | ShieldGold | ShieldPlatinum |
| 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 | ✓ |
Cost
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 |
Get a Free Quote
If you’re interested in protecting your home with a warranty from American Home Shield, fill out this quick online form or call 844-529-9298.
Home Warranty Resources
- What is a Home Warranty?
- How Much Do Home Warranties Cost?
- Is a Home Warranty Worth It for You?
- Best Home Warranties in 2023
- Do Your Appliances Need Extended Warranties?
Most Customizable Plan Options: America’s 1st Choice Home Club
Quick Take
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.
Pros and Cons
✓ 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
Plans and Coverage
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.
| Coverage | System Plan | Silver Plan | Gold Plan | Platinum 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 | ✔ |
Cost
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 |
Get a Free Quote
To learn more about America’s 1st Choice Home Club and receive a free quote, fill out this form or contact a service representative at 877-755-1115.
Best for Value Shoppers: Select Home Warranty
Quick Take
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.
Pros and Cons
✓ 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
Plans and Coverage
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.
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
| Coverage | Bronze Care | Gold Care | Platinum 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 | ✓ |
Cost
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:
| Plan | Monthly Cost | Yearly Cost |
| Platinum Care | $46.08 | $499.99 |
| Gold Care | $41.67 | $449.99 |
| Bronze Care | $41.67 | $449.99 |
Get a Free Quote
If you’re interested in a home warranty from Select, fill out this quick form or contact the provider at 888-370-3956.
Best for Unique Coverage: Liberty Home Guard
Quick Take
Liberty Home Guard (LHG) is a relative newcomer in the industry that’s already made an impact, serving customers in 48 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.
Pros and Cons
✓ Provides a 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
Plans and Coverage
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.
| Coverage | Appliance Guard | Systems Guard | Total 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 | ✔ | ✔ |
Cost
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.
| Plan | Monthly Cost | Cost of Single Payment |
| Appliance Guard | $49.99 | $499.99 |
| Systems Guard | $54.99 | $549.99 |
| Total Home Guard | $59.99 | $599.99 |
Get a Free Quote
To learn more about Liberty Home Guard’s plans and receive a free quote, fill out this quote form or call 833-452-9107.
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.
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?
A home warranty can be worth it for peace of mind that expensive out-of-pocket costs are covered. This coverage is particularly helpful if your home has older systems and appliances that could require repair or replacement down the line. Many homeowners select a home warranty plan before their item’s manufacturer’s warranty runs out to avoid a lapse in coverage.
With Minneapolis ranking 15th for homes selling above asking price, a home warranty is worth it in Minnesota.
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.
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