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Written By David Cusick
Last Updated June 2024
Brooklyn Center offers homeowners some great housing options. However, unexpected repair and replacement costs on your home’s systems and appliances can get quite pricey. A home warranty policy can help protect you by covering major repairs and replacements on your home’s most important appliances and systems.
The home warranty market is filled with many providers — all with different price points — so our team at Today's Homeowner has done the research to help you choose the best home warranty companies in Brooklyn Center.
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
Liberty Home Guard offers the most trustworthy home warranty in Brooklyn Center. Liberty is a home warranty company with 6 years of experience in the industry, and it has proved to be one of the best providers in the business. The 3 home warranty plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. 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 has 3 plans that offer a mix of system and appliance coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. To read more, visit our thorough review of Liberty Home Guard.
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
Choice Home Warranty offers the best overall home warranty in Brooklyn Center. Choice is a home warranty company with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. The 2 home warranty plans that Choice offers include differing levels of system and appliance coverage, as well as add-on 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 offer a mix of system and appliance coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. To read more, visit our thorough review of Choice Home Warranty.
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
Select Home Warranty offers the most cost-effective home warranty in Brooklyn Center. Select is a home warranty company with 11 years of experience in the industry, and it has proved to be one of the best providers in the business. The 3 home warranty plans that Select offers include differing levels of system and appliance coverage, as well as add-on options. 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 has 3 plans that offer a mix of system and appliance coverage. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. To read more, visit our thorough review of Select Home Warranty.
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
American Home Shield offers the most customizable home warranty in Brooklyn Center. AHS is a home warranty company with 26 years of experience in the industry, and it has proved to be one of the best providers in the business. The 3 home warranty plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. 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 has 3 plans that offer 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 make 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. To read more, visit our thorough review of American Home Shield.
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
Cinch Home Services offers the home warranty with the best workmanship guarantee in Brooklyn Center. Cinch is a home warranty company with 44 years of experience in the industry, and it has proved to be one of the best providers in the business. The 3 home warranty plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. 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 has 3 plans that offer a mix of system and appliance coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. To read more, visit our thorough review of Cinch Home Services.
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
The Home Service Club offers the best home warranty with the quickest service in Brooklyn Center. HSC is a home warranty company with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. The 2 home warranty plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options. 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 has 2 plans that offer a mix of system and appliance coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. To read more, visit our thorough review of The Home Service Club.
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 | $6,340 |
Heating | $4,227 |
Electrical | $634 |
Toilets | $528 |
Washer/Dryer | $845 |
Plumbing | $634 |
Oven | $1,691 |
Fridge | $634 |
A home warranty is a protection policy that assists Brooklyn Center homeowners in reducing the costs of appliance and system repairs. The plans provide financial coverage to replace or repair appliances and systems that malfunction due to normal wear and tear. When something breaks down, you submit a claim and pay a service fee. The home warranty company then arranges a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners reassurance, as it helps avoid expensive emergency repairs. The coverage is especially helpful for those living in older houses or houses with systems near the end of their life span. However, people with newer homes and modern appliances may not require a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are refrigerators, microwaves, washers, garbage disposals, dishwashers, dryers, and more. Included systems are normally air conditioning, plumbing, electrical, and heating. Many home warranty companies provide add-on coverage for septic systems, roof leaks, central vacuums, and locksmiths. Brooklyn Center homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. What's more, most policies only cover the cost of repairs and replacements due to normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or misusing a system or appliance. Remember to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
There are multiple home warranty terms to know before signing an agreement, including:
There are several important considerations when selecting a home warranty provider:
Home warranties differ greatly in the items covered. Basic plans typically cover heating, plumbing, electrical, AC, and appliances, while more comprehensive plans may also cover well pumps, pools, spas, and roof leaks. Focus on providers with broad coverage options including upgraded plans. Flexibility like this will help you customize your plan to meet your needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which is paid per claim you submit. The per-request costs can add up. You may decide to look for providers with lower service fees to maximize your savings on each claim. Some companies also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty company's reputation provides insight into things such as timeliness of repairs, claim approval rates, contractor quality, and overall customer satisfaction. Use third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Complimentary ratings and reviews indicate a provider known for stellar service.
Home warranty businesses have networks of local technicians to handle repairs in your area. Reach out to potential providers to ask how many repair contractors they have in Brooklyn Center and get an idea for how fast your repairs could take place in an emergency situation. Larger networks increase the probability of getting qualified contractors to swiftly service your home.
Some home warranty providers include perks such as energy efficiency upgrades, smart home device coverage, and reduced maintenance fees. These can offer extra value beyond just repair coverage. Added bonuses help you enhance your home and get the most from your warranty policy.
Brooklyn Center’s frigid winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty will cover your home’s appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the necessary repairs, preventing you from spending unexpected money out of pocket.
Not only can a home warranty save you money on repairs and replacements, it saves you time too. Instead of vetting technicians by yourself, home warranty companies do the work for you and send pre-screened technicians right to your door when you need them. A home warranty can also give value in other ways. For instance, some plans can be transferred between owners when you sell your home.
One of the main drawbacks of home warranties is not every home system and appliance may be covered. It’s important to compare the different policies and choose one that covers all the appliances, systems, and add-ons you need.
Another downside is that home warranties may exclude some repairs, like those due to natural disasters. For example, if your house floods, the affected systems and appliances most likely won’t be covered by the home warranty.
A home warranty in Brooklyn Center can cost between $30 and $60 a month. The higher-priced plans typically have broader coverage, a lower service fee, and higher coverage limits. You can often lower this cost by paying annually instead of monthly. Some providers will also reduce your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan protects against normal wear and tear to home systems and appliances. Homeowners insurance protects your home in case of a situation such as a natural disaster or fire. With homeowners insurance, you will not be able to file a claim should you need a new refrigerator or oven, unless the damage is a result of a natural disaster, which is somewhat common in Brooklyn Center.
First-time homebuyers, homeowners, home sellers, landlords, and real estate agents are all eligible for 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 different home warranties in Brooklyn Center include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers almost all your home systems and appliances, such as your refrigerator, washing machine, and HVAC. An appliance or system plan will cover only the specific items listed in the policy.
Home warranty plans generally last a year. Many providers let you renew your plan annually, and some offer month-to-month options as well.
Usually the homeowner is responsible for paying for the home warranty. In some cases, however, the one selling the home may purchase a home warranty policy and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in Brooklyn Center is $285,611, a home warranty can save you some money when buying a home.