Expert Advice On Improving Your Home

May 2023 Reviews

6 Best Home Warranty Companies in Apple Valley, MN

Written By Todays Homeowner Local Pros

Last Updated May 2023

Find the best home warranty to protect your home appliances and systems. There are many perks of homeownership in Apple Valley. However, major home systems and appliances, like your plumbing and refrigerator, can break down due to normal wear and tear, leaving you with expensive repairs.

A home warranty plan can help protect you by covering major repairs and replacements on your home's appliances and systems. Even though a home warranty can help with your expenses as a homeowner, one pain point is narrowing down the best choice for your Apple Valley home. That's why we've done the research and have made a guide of the top home warranty options in Apple Valley.

Preferred Providers

Best Overall
4.5/5
  • Over 10 years of experience
  • 24/7 customer service team
  • Home inspections aren’t required
4.5/5
  • Low service fees compared to other home warranty providers
  • Two months of free coverage
  • Has an appliance-only, systems-only, and combo plan option
4.5/5
  • 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

The 6 Best Home Warranty Companies in Apple Valley

Choice Home Warranty

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 Apple Valley, Choice Home Warranty offers the best overall home warranty. Choice has more than 15 years of experience in the home warranty market and in that time has built a an network of service technicians nationwide. The 2 plans from Choice are easy to understand and have a mix of both system and appliance coverage. With a home warranty from Choice, you can enjoy very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.

There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000.

To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read our comprehensive review of Choice Home Warranty to learn more.

Basic Plan

Total Plan

Service fee: $85.00 Monthly cost: $45.00
Items covered: Ceiling fan , Cooktop exhaust , Dishwasher , Disposal , Ductwork , Electrical , Garage door opener , Heating system , Oven , Microwave , Plumbing system , Toilet , Water heater Add-on items: Pool , Spa , Septic , Well pump , Roof leaking , Septic tank , Sump pump , Vacuum , Stand-alone freezer
Service fee: $85.00 Monthly cost: $53.33
Items covered: Ceiling fan , Cooktop exhaust , Dishwasher , Disposal , Ductwork , Electrical , Garage door opener , Heating system , Oven , Microwave , Plumbing system , Toilet , Water heater , AC , Washer , Dryer , Refrigerator Add-on items: Pool , Spa , Septic , Well pump , Roof leaking , Septic tank , Sump pump , Vacuum , Stand-alone freezer

Select Home Warranty

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 Apple Valley, Select Home Warranty is the most cost-effective home warranty. Select has been on the market for more than 11 years, making it a well-regarded company in the industry. 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 3 plans from Select are easy to understand and offer a mix of both system and appliance coverage.

Select Home Warranty offers 3 plans for Apple Valley 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. The coverage caps associated with Select's plans are close to the $2,000 mark for many of the major systems and appliances, and service fees are a reasonable $60.

Read our comprehensive review of Select Home Warranty to learn more. To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.

Bronze Care Plan

Gold Care Plan

Platinum Care Plan

Service fee: $60.00 Monthly cost: $57.67
Items covered: Disposal , Dishwasher , Dryer , Microwave , Oven , Refrigerator , Washer Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks
Service fee: $60.00 Monthly cost: $57.67
Items covered: Air Conditioner , Ductwork , Electrical , Heating system , Plumbing , Water heater Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks
Service fee: $60.00 Monthly cost: $62.08
Items covered: Disposal , Dishwasher , Dryer , Microwave , Oven , Refrigerator , Washer , Air conditioner , Ductwork , Electrical , Heating system , Plumbing , Water heater , Ceiling fan , Garage door , Plumbing stoppages Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks

American Home Shield

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

American Home Shield is the most customizable home warranty for Apple Valley residents. AHS has more than 26 years of industry experience and in that time has built a an expansive network of service technicians in the country. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easy to understand and offer both system and appliance coverage.

American Home Shield offers 3 plans for Apple Valley homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $75 to $125.

To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For a more detailed breakdown, read our review of American Home Shield.

ShieldSilver

ShieldGold

ShieldPlatinum

Service fee: $75.00 - $125.00 Monthly cost: $29.27 - $44.27
Items covered: Air Conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Disposal , Doorbell , Ductwork , Electrical , Garage door , Heating system , Locksmith , Plumbing , Plumbing stoppages , Toilet , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump
Service fee: $75.00 - $125.00 Monthly cost: $39.27 - $54.27
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Doorbell , Dryer , Ductwork , Electrical , Garage door , Heating system , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Toilet , Trash compactor , Washer , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump
Service fee: $75.00 - $125.00 Monthly cost: $59.27 - $74.27
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Disposal , Doorbell , Dryer , Ductwork , Electrical , Garage door , Heating system , Locksmith , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Roof leaks , Toilet , Trash compactor , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump

The Home Service Club

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 Apple Valley, The Home Service Club offers the best home warranty with the quickest service. HSC has 2 plans for you to choose from. When you buy a home warranty from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.

There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC's service fees are customizable and range from $65 to $90, and the coverage limits come out to about $2,000 per covered system or appliance.

To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. For more information, read our thorough review of The Home Service Club.

Standard Coverage Plan

Comprehensive Coverage Plan

Service fee: $60.00 - $95.00 Monthly cost: $50.40
Items covered: Air conditioner , Ceiling fan , Dishwasher , Garbage disposal , Dryer , Electrical system , Food center , Free-standing ice maker , Garage door opener , Heating system , Microwave , Oven , Plumbing , Refrigerator , Trash compactor , Central vacuum , Washer , Water heater Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system , Pool , Spa , Water softener , Roof leaks , Well pump , Pump , Stand-alone freezer
Service fee: $60.00 - $95.00 Monthly cost: $62.90
Items covered: Air conditioner , Alarm wiring , Attic fans , Ceiling fan , Dishwasher , Garbage disposal , Doorbell , Dryer , Ductwork , Electrical system , Food center , Free-standing ice maker , Garage door opener , Heating system , Microwave , Oven , Pest control , Phone , Plumbing , Plumbing stoppages , Refrigerator , Sump pump , Toilet , Trash compactor , Central vacuum , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system , Pool , Spa , Water softener , Roof leaks , Well pump , Pump , Stand-alone freezer

Liberty Home Guard

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 Apple Valley. Liberty has been in the home warranty industry for over 6 years. Liberty offers 3 plans for homeowners to decide between. 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 Apple Valley homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Liberty's plans are around the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $75.

To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. To read more, visit our review of Liberty Home Guard.

Appliance Guard

Systems Guard

Total Home Guard

Service fee: $75.00 Monthly cost: $69.99
Items covered: Ceiling Fan , Cooktop exhaust fan , Disposal , Dishwasher , Dryer , Garage door , Microwave , Oven , Refrigerator , Refrigerator ice maker , Washer Add-on items: Pool , Saltwater pool , Spa , TV , PC , Pump , Generator , Free-standing ice maker , Septic tank pumping , Roof leaks , Pests , Water softener , Well pump , Wine refrigerator , Septic , Sprinkler , Locksmith , Trash compactor , Sump pump , Vacuum , Stand-alone freezer , Water dispenser
Service fee: $75.00 Monthly cost: $74.99
Items covered: Air Conditioner , Bath exhaust fan , Ductwork , Electrical , Heating system , Plumbing , Plumbing stoppages , Toilet , Water heater Add-on items: Pool , Saltwater pool , Spa , TV , PC , Pump , Generator , Free-standing ice maker , Septic tank pumping , Roof leaks , Pests , Water softener , Well pump , Wine refrigerator , Septic , Sprinkler , Locksmith , Trash compactor , Sump pump , Vacuum , Stand-alone freezer , Water dispenser
Service fee: $75.00 Monthly cost: $79.99
Items covered: Ceiling Fan , Cooktop exhaust fan , Disposal , Dishwasher , Dryer , Garage door , Microwave , Oven , Refrigerator , Refrigerator ice maker , Washer , Air Conditioner , Bath exhaust fan , Ductwork , Electrical , Heating system , Plumbing , Plumbing stoppages , Toilet , Water heater Add-on items: Pool , Saltwater pool , Spa , TV , PC , Pump , Generator , Free-standing ice maker , Septic tank pumping , Roof leaks , Pests , Water softener , Well pump , Wine refrigerator , Septic , Sprinkler , Locksmith , Trash compactor , Sump pump , Vacuum , Stand-alone freezer , Water dispenser

Cinch Home Services

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 offers the home warranty with the best workmanship guarantee for Apple Valley residents. Cinch offers 3 plans for you to choose from. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.

The 3 plans from Cinch Home Services are 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 make sure to check with the company. Service fees are customizable and range from $75 to $150.

For a more detailed breakdown, read our Cinch Home Services full review. To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.

Appliances Plan

Built-in Systems Plan

Complete Home Plan

Service fee: $75.00 - $150.00 Monthly cost: $34.99 - $50.99
Items covered: Cooktop exhaust fan , Dishwasher , Dryer , Food center , Free-standing ice maker , Microwave , Oven , Refrigerator , Refrigerator ice maker , Trash compactor , Washer Add-on items: Pool , Septic , Well pump
Service fee: $75.00 - $150.00 Monthly cost: $39.99 - $57.99
Items covered: Air conditioner , Smoke alarm , Attic fans , Bath exhaust fans , Ceiling fans , Disposal , Doorbell , Ductwork , Electrical , Garage door , Heating system , Plumbing , Plumbing stoppages , Septic tank pumping , Spa , Sump pump , Toilet , Vacuum , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Septic , Well pump
Service fee: $75.00 - $150.00 Monthly cost: $49.99 - $67.99
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Disposal , Doorbell , Dryer , Ductwork , Electrical , Food center , Free-standing ice maker , Garage door , Heating system , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Refrigerator ice maker , Septic tank pumping , Spa , Sump pump , Toilet , Trash compactor , Vacuum , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Septic , Well pump
Today's Homeowner Ranking Methodology

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:

  • Company Experience
  • Real User Reviews
  • Company Reputation
  • Accreditations and Licenses
  • Service Area
  • Customer Service
Have questions about our methodology or company ratings? Reach out to FindAPro@TodaysHomeowner.com.

Cost of Common Home Repairs in Apple Valley

Home Appliance Repair Cost
Air Conditioner $6,537
Heating $4,358
Electrical $654
Toilets $545
Washer/Dryer $872
Plumbing $654
Oven $1,743
Fridge $654

What is a Home Warranty?


A home warranty is a protection plan that covers the cost of repairing or replacing major home systems and appliances when they break down over time due to normal wear and tear. Having a home warranty in place can offer you some peace of mind and prevent you from paying unexpected out-of-pocket costs. Most home warranty plans start about 30 days after buying the home warranty policy.

When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty company. Most companies have an online portal where you can do this. Once you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue.

The claim is then processed, and a homeowner will pay the service fee to schedule the repair. This repair will typically happen within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees are between $60 and $150.

What Does a Home Warranty Cover?

A home warranty provides coverage on your home's major appliances and systems and it can help cut back on how much you spend on maintaining your home. The appliances usually covered under a home warranty include a clothes dryer, dishwasher, garbage disposal, microwave, clothes washer, refrigerator, and more. The systems included are electrical systems, air conditioning, ductwork, and plumbing.

Add-on coverage will vary from one plan to the next, but you can expect to see add-ons such as spas, sump pumps, electronics, pools, roof leaks, and central vacuums.

Apple Valley homeowners should know that a home warranty will only cover repairs and replacements that arise from normal wear and tear. Home warranties do not cover things like cosmetic issues, natural disasters, misuse of a system or appliance, or pre-existing conditions. You have to keep up with preventative maintenance on your home systems and appliances to make sure that your next repair or replacement-related complication will be covered by the policy.

Is a Home Warranty Worth it in Apple Valley?


Benefits of a Home Warranty

Home warranty plans are an inexpensive way to protect your home systems and appliances from normal wear and tear. With temperatures in Apple Valley hitting an average high of 53℃F, you may find that certain appliances, like your air conditioning unit, get a lot of use. A home warranty can significantly bring down out-of-pocket expenses should your HVAC system break down.

A home warranty can also provide value in other ways. For instance, some plans can be transferred to another owner when you sell your home.

Downsides of a Home Warranty

One major drawback of home warranties is not every home system and appliance you care about may be covered. It's important to weigh the different policies and get one that covers all the appliances, systems, and add-ons you need.

Another drawback is that home warranties may not include some repairs, such as those needed because of natural disasters. For example, if a tree falls onto your house and damages the roof, the impacted systems and appliances probably won't be covered by the home warranty.

Home Warranty Tips


Selecting the right home warranty in Apple Valley for you and your family depends on the type of coverage you want, the home warranty company you go with, and where you live, among other factors. Below is a list of some factors to consider when purchasing a home warranty in Apple Valley:

  • Reputation: Is the company trusted in the industry by consumers and publications? How long have they been in business?
  • Plan options: Determine if the company offers appliances plans, combo plans, systems plans, and add-ons for the most comprehensive coverage possible.
  • Service fee: You should know how much it costs for a repair person to visit your home. This fee differs by provider, but it can be as low as $60.
  • The cost: Prices vary across plans and providers, so you should compare them to find the best one for you.

Preferred Providers

Best Overall
4.5/5
  • Over 10 years of experience
  • 24/7 customer service team
  • Home inspections aren’t required
4.5/5
  • Low service fees compared to other home warranty providers
  • Two months of free coverage
  • Has an appliance-only, systems-only, and combo plan option
4.5/5
  • 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

Frequently Asked Questions About Home Warranties in Apple Valley, MN

Our pick for the best overall home warranty company in Apple Valley is Choice Home Warranty, but the right company for you will depend on factors such as what appliances and systems you need to have covered.

A home warranty covers the normal wear and tear of home systems and appliances. Homeowners insurance protects your entire home in a situation such as a natural disaster or fire. With 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 a result of a natural disaster, which are somewhat common in Apple Valley.

The kind of home warranty you should look for depends on what is important to you. A less costly plan may have higher service fees and deductibles, while a costlier plan may provide more coverage and have lower service fees. If you have a home that has new appliances or systems, you may be able to get a cheaper plan. The company's reputation and available plans are the main things to research when selecting a home warranty provider.

Home warranty plans typically offer coverage for a year. Many companies let you renew your plan annually, which can be good in Apple Valley for added protection against something like your heater breaking down when you require it the most.

Most home warranties are going to cover replacement costs as well as repair costs. How much the coverage cap is varies from one plan to the next. You can expect that home warranties will give you some money towards a replacement but don't expect to have the entire replacement paid for.

A home warranty plan can cost on average about $300 to $800 a year in Apple Valley. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. In addition, it's typically cheaper to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, choosing the annual plan over monthly payments saves you $80. It's important to compare plans to determine what the best price is.

Usually coverage for a home warranty plan begins 30 days after payment. However, a few providers may allow you to file a claim before this, so verify with customer service to find the exact waiting period for your case.

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