Written By Todays Homeowner Local Pros
Last Updated June 2023
Considering buying a home warranty? One of our top home warranty companies can help. Homeownership in Duluth can be a satisfying step for many people, but it also comes with its fair share of challenges. Repairing your home's systems and appliances can be an unforeseen financial burden for many homeowners.
When one of your systems or appliances breaks down, a home warranty will step in to help you cover the costs. Having a home warranty in place can give homeowners the peace of mind they need to feel less stressed by homeownership. Choosing the best home warranties on the market can be a challenge because of the numerous options out there. If you are tired of trying to compare the different options, keep reading for our guide to the best home warranty companies in Duluth.
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty offers the best overall home warranty for Duluth residents. Choice has been in the home warranty industry for around 15 years. The home warranty provider offers 2 plans to policyholders with various system and appliance coverage options. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that provide a combination of appliance and system coverage. The coverage caps from Choice are about $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Duluth area.
Read our comprehensive review of Choice Home Warranty to learn more. To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty is the most cost-effective home warranty for Duluth residents. Select has been in the home warranty industry for about 11 years. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, Select is the perfect provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options.
Select Home Warranty offers 3 plans for Duluth homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also typically around $2,000 at the maximum.
Read more by visiting our Select Home Warranty Review. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
In Duluth, American Home Shield offers the most customizable home warranty. AHS has more than 26 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. The 3 plans that AHS offers include options for appliance and system coverage. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally about $2,500.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. For more information on this provider, read our American Home Shield Review.
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club offers the best home warranty with the quickest service for Duluth residents. The home warranty company offers 2 plans to policyholders with various options for appliance and system coverage. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club offers 2 plans for Duluth homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Duluth area.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. To read more, visit our The Home Service Club full review.
Standard Coverage Plan
Comprehensive Coverage Plan
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty in Duluth. Liberty has about 6 years of industry experience and in that time has built a a skilled network of service technicians nationwide. The 3 policies that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty's plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $75.
For more information, read our review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
Total Home Guard
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty is the best home warranty for appliance coverage for Duluth residents. First American offers very affordable and comprehensive appliance coverage. Plus, it also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. The 2 policies that First American offers include options for appliance and system coverage.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. First American's service fees are a reasonable $85, and the coverage limits come out to around $1,500 for each covered system or appliance.
For more information, read our review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
Cinch Home Services is the home warranty with the best workmanship guarantee in Duluth. Cinch has 3 simple plans, making the selection process and policy coverage easily comprehensible. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read more by visiting our Cinch Home Services full review.
Built-in Systems Plan
Complete Home Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
|Home Appliance||Repair Cost|
A home warranty is a plan that can decrease the cost of on appliance and system repairs and replacements. Our appliances and home systems are what make living in a Duluth home comfortable and convenient. When they need repairs, it can be pricey and a pain. Fortunately, with a home warranty in place, an affordable repair is just a phone call away.
When you have a system or appliance that experiences an issue, you file a claim with your service provider. You can do so in an online portal or by calling customer support, and then a repair technician will come and fix the problem.
Once you file the claim, it will be assigned to a local repair person that will come to your home and look at the problem. At this point, you pay your service fee. Service fees typically range in price from around $60 to $150 and this is the only out-of-pocket cost you will have to pay unless the repair cost is more than your home warranty's coverage cap.
A home warranty plan will cover systems and appliances that have stopped working from normal wear and tear. For example, if your washing machine suddenly needs repairs under normal use conditions, you can call your home warranty company. The appliances covered are a stove, clothes dryer, cooktop, microwave, refrigerator, clothes washer, dishwasher, and more. The systems included are the heating, plumbing, electrical, air conditioning, and others.
Add-on coverage will vary from one plan to the next, but you can expect to see add-ons like electronics, roof leaks, spas, central vacuums, pools, and sump pumps.
Duluth homeowners should know that a home warranty will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. You need to keep up with preventative maintenance on your home systems and appliances to ensure that your next repair or replacement-related complication will be covered by the policy.
Duluth's hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty can help cover your home's appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the needed repairs, preventing you from spending a lot of money out of pocket.
Another added benefit of having a home warranty plan is that it can increase your home's property value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you purchased your home warranty through.
There are also some drawbacks to getting a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Another thing to consider is that some companies don't cover pre-existing issues and may require an inspection before coverage begins. Ask the home warranty provider for clarification about it if you need more information or if this is an issue for you.
The first step in protecting your home with a home warranty is determining which company's plan is the best for you. Figure out which appliances and systems in your home you need coverage for and compare the plans. Here are some tips on looking for a home warranty in Duluth:
Our pick for the best overall home warranty company in Duluth is Choice Home Warranty, but the perfect company for you will vary based on factors like what appliances and systems you need coverage for.
A home warranty helps protect against the normal wear and tear of systems and appliances in a home. A homeowners insurance plan protects a home in case of something like a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim should you need a new washing machine or oven, unless the damage is due to a natural disaster, which are somewhat common in Duluth.
Homebuyers, landlords, home sellers, homeowners, and real estate agents can all get home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
The service fee is the price you pay each time there's an issue with a system or appliance and you file a claim with your home warranty. Service fees are commonly between $60 and $150.
A home warranty policy can cost on average anywhere from about $300 to $800 a year in Duluth. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by opting for a higher service fee. Additionally, it's often less expensive to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, opting for the annual plan over monthly payments saves you $80. It's important to compare plans to determine what you're really getting for the price.
A home warranty will cover repair and replacement costs for home systems and appliances. Home warranties only cover damage due to normal wear and tear and often don't cover something that happened as a result of a pre-existing condition.