Written By David Cusick
Last Updated February 2024
Buying a home is a big step for many people, but the cost of maintaining it can be expensive over time, especially if your home in Minden is on the older side. A home warranty can bring you the peace of mind you need and shield your savings account from unexpected expenses by covering your home’s major appliances and systems.
Finding the best home warranty on the market can be challenging, as there are so many companies to choose from. That’s why our team at Today's Homeowner did the research and made a list of the best home warranty companies in Minden for you.
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
Won’t cover known or unknown pre-existing conditions
In Minden, Liberty Home Guard is the most trustworthy home warranty. Liberty has been in the home warranty industry for about 6 years. The 3 plans from Liberty are comprehensive and have a mix of both system and appliance coverage. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Minden homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Liberty’s service fees are an affordable $75, and the coverage limits come out to around $3,000 per covered appliance or system.
To read more, visit our Liberty Home Guard full review. To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
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
In Minden, Choice Home Warranty is the best overall home warranty. Choice has been in the home warranty industry for about 15 years. The 2 plans from Choice are comprehensive and have a mix of both system and appliance coverage. 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 offers 2 plans for Minden homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Choice’s service fees are an affordable $85, and the coverage limits come out to around $3,000 per covered appliance or system.
To read more, visit our Choice Home Warranty full review. To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
Basic Plan
Total Plan
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
In Minden, Select Home Warranty is the most cost-effective home warranty. Select has been in the home warranty industry for about 11 years. The 3 plans from Select are comprehensive and have a mix of both system and appliance coverage. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty offers 3 plans for Minden homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. Select’s service fees are a reasonable $60, and the coverage limits come out to around $2,000 per covered appliance or system.
To read more, visit our Select Home Warranty full review. To get a free quote from Select Home Warranty, fill out this online form or call 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 Minden, American Home Shield is the most customizable home warranty. AHS has been in the home warranty industry for about 26 years. The 3 plans from AHS are comprehensive and have a mix of both system and appliance 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.
American Home Shield offers 3 plans for Minden homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to around $2,500 per covered appliance or system.
To read more, visit our American Home Shield full review. To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
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
In Minden, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has been in the home warranty industry for about 44 years. The 3 plans from Cinch are comprehensive and have a mix of both system and appliance coverage. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Minden homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to around $1,000-$2,000 per covered appliance or system.
To read more, visit our Cinch Home Services full review. To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
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
In Minden, The Home Service Club is the best home warranty with the quickest service. HSC has been in the home warranty industry for about 15 years. The 2 plans from HSC are comprehensive and have a mix of both system and appliance 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 Minden homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 per covered appliance or system.
To read more, visit our The Home Service Club full review. To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage 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 |
---|---|
Air Conditioner | $5,722 |
Heating | $3,814 |
Electrical | $572 |
Toilets | $477 |
Washer/Dryer | $763 |
Plumbing | $572 |
Oven | $1,526 |
Fridge | $572 |
A home warranty is a protection policy that helps Minden homeowners cut the costs of appliance and system repairs. The plans provide coverage to repair or swap out appliances and systems that stop working due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty company then arranges a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement exceeds the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent expensive emergency repairs. Home warranties are particularly useful for older houses or those with aging systems. New homes with modern appliances might not require a home warranty.
Home warranties cover your home systems and appliances. Warranties usually cover appliances such as dishwashers, dryers, microwaves, refrigerators, washers, garbage disposals, and others. Covered systems include air conditioning, plumbing, heating, and electrical. Many home warranty companies also provide additional coverage for central vacuums, roof leaks, septic systems, and locksmiths. Minden should understand that most home warranty plans have a waiting period of 30 days before repairs are covered. Most policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or improperly using a system or appliance. Stay current with preventative maintenance to ensure your next repair or replacement is covered.
Home warranty contracts use several terms that you'll want to know before signing, such as:
There are several important factors to consider when choosing a home warranty provider:
Home warranty coverage can have major differences in what's included. Most plans provide coverage for heating, electrical, plumbing, AC, and appliances. More robust coverage options also include protection for other items such as pools, well pumps, spas, and roof leaks. Look for a provider that offers comprehensive coverage choices, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific systems and needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using companies with more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty company's track record provides insight into things such as claim approval rates, timeliness of repairs, contractor quality, and overall customer satisfaction. Look at third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Positive ratings and reviews indicate a company known for stellar service.
Home warranty providers use networks of local repair professionals to manage repairs in a given area. Reach out to potential companies to ask how many repair technicians they have in Minden and get an idea of how fast your repairs could be handled in an emergency. More extensive networks increase the likelihood of getting qualified contractors to swiftly service your home.
Some home warranty plans provide extras such as smart home device protection, maintenance discounts, and energy efficiency upgrades. These add value beyond repair coverage. Extra bonuses can maximize the usefulness of your home warranty.
Minden’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 if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the repairs, saving you from spending a lot of money out of pocket.
Not to mention, having a home warranty can save you some time by getting rid of the need to research repair people — most providers will send a trusted professional right to your door to carry out the necessary repair or replacement. A home warranty can also yield value in other ways. For instance, some plans can be transferred between owners during a home sale.
One main drawback of home warranties is not every home system and appliance you care about may be covered. It’s important to compare the different plans and sign up for one that covers all the appliances, systems, and add-ons you need.
Another consideration is that home warranties usually only cover malfunctions due to normal wear and tear. They commonly won’t cover home systems or appliances that need repairs or replacements due to natural disasters, animal infestations, improper maintenance, etc.
A home warranty in Minden can cost anywhere from $30 to $60 a month. Higher-priced plans usually have higher coverage limits, broader coverage, and a lower service fee. This cost is often lower if you pay annually instead of monthly. Some companies will also decrease your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranties cover issues related to systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different insurance that protects an entire home from natural disasters, which can sometimes be a concern in Minden. It doesn't cover a typical appliance or system damage.
A home warranty plan can help homeowners, homebuyers, home sellers, investors, and real estate agents. It can provide peace of mind to anyone involved in homeownership.
The different types of home warranties in Minden include plans that cover either appliances or systems as well as combination plans. A combination plan covers your home systems and appliances, including your refrigerator, washing machine, and plumbing. An appliance or system plan will cover only the specific items mentioned in the policy.
Home warranty plans generally offer coverage for a year. Many companies let you renew your plan annually, and some offer month-to-month plans as well.
In general, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who will pay the service fees when using the policy. In Minden, where the median home value is $133,315, having the seller pay for the home warranty can save you some money on your new home.