Written By David Cusick
Last Updated February 2024
Although homeownership in Chaska has a lot of perks — such as being surrounded by nature — there are also downsides. One major headache many homeowners have to deal with at some point is updating or repairing their home appliances and systems. A home warranty policy can help protect homebuyers and current homeowners by covering major repairs and replacements on your home’s most important appliances and systems.
The home warranty market is saturated with a lot of providers — all with different offerings — so the Today's Homeowner team has done the research to help you choose the best home warranty companies in Chaska.
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 Chaska, Liberty Home Guard offers the most trustworthy home warranty. When you buy a home warranty from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 simple plans, making the selection process easy.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage limits come out to around $3,000 for each covered appliance or system.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For more information on this provider, read our 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
In Chaska, Choice Home Warranty offers the best overall home warranty. When you buy a home warranty from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 simple plans, making the selection process easy.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage limits come out to around $3,000 for each covered appliance or system.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For more information on this provider, read our 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
In Chaska, Select Home Warranty offers the most cost-effective home warranty. When you buy a home warranty from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 simple plans, making the selection process easy.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage limits come out to around $2,000 for each covered appliance or system.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For more information on this provider, read our 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
In Chaska, American Home Shield offers the most customizable home warranty. When you buy a home warranty from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 simple plans, making the selection process easy.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to around $2,500 for each covered appliance or system.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For more information on this provider, read our 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
In Chaska, Cinch Home Services offers the home warranty with the best workmanship guarantee. When you buy a home warranty from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process easy.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to around $1,000-$2,000 for each covered appliance or system.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For more information on this provider, read our 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
In Chaska, The Home Service Club offers the best home warranty with the quickest service. 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. HSC has 2 simple plans, making the selection process easy.
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 around $2,000 for each covered appliance or system.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For more information on this provider, read our 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 | $6,378 |
Heating | $4,252 |
Electrical | $638 |
Toilets | $532 |
Washer/Dryer | $850 |
Plumbing | $638 |
Oven | $1,701 |
Fridge | $638 |
A home warranty is a protection plan that helps cut costs for Chaska homeowners needing appliance and system repairs. These plans provide financial coverage to fix or swap out appliances and systems that stop working due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty company then finds a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty gives homeowners peace of mind by helping avoid high-priced emergency repairs. The coverage is particularly helpful for those living in older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and functioning appliances might not need a home warranty.
Home warranties cover your home systems and appliances. Common appliances covered include dishwashers, washers, refrigerators, dryers, garbage disposals, microwaves, and more. Covered systems are normally electrical, air conditioning, heating, and plumbing. Many home warranty companies provide add-on coverage for septic systems, central vacuums, locksmiths, and roof leaks. Chaska should understand that most home warranty plans have a 30-day waiting period before repairs are covered. The majority of policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. Stay current with preventative maintenance to ensure your next repair or replacement is covered.
Here are some essential home warranty words to understand before signing a contract:
There are several important factors to consider when selecting a home warranty provider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans provide coverage for AC, heating, electrical, plumbing, and appliances. More inclusive options also offer coverage on other items such as spas, pools, roof leaks, and well pumps. Look for providers with varied coverage options, including upgraded plans. This allows you to tailor protection to your needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which gets paid per service call made. The costs from multiple fees can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some providers also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty provider's reputation can offer insight into things such as approval rates for claims, speed of repairs, contractor quality, and customer satisfaction. Look at third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Good ratings and reviews indicate that a provider is known for quality service.
Home warranty companies have networks of contractors that they use to tackle covered repairs. More extensive networks increase the probability of getting qualified contractors to your home swiftly. Reach out to possible providers to find out how many contractors they have in Chaska. This helps you understand how long repairs might take in an urgent situation.
Some home warranty companies include perks such as smart home device coverage, reduced maintenance fees, and energy efficiency upgrades. These extras can provide extra value beyond repair coverage. Added bonuses allow you to enhance your home and get the most from your home warranty.
Home warranty policies are an inexpensive way to protect your home systems and appliances from normal wear and tear. With temperatures in Chaska reaching an average high of 53℃F, you may find that certain appliances, like your air conditioning system, get a lot of use. A home warranty can considerably lower out-of-pocket costs should your HVAC system stop working.
Not only can a home warranty save you money on repairs and replacements, it saves you time as well. Instead of needing to vet contractors by yourself, home warranty companies do the work for you and send a contractor from their network right to your door when you need them. Additionally, though it varies by company, some providers will let you transfer your warranty in the event that you sell your home. This can make your property more attractive to potential homebuyers and help your home sell faster.
There are also some negatives to purchasing 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.
Additionally, if you don’t maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty in Chaska can cost anywhere from $30 to $60 a month. The higher-priced plans typically have higher coverage limits, a lower service fee, and broader coverage. This cost is often lower if you pay annually instead of monthly. Some providers will also decrease your up-front costs when you agree to 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 covers normal wear and tear to home systems and appliances. A homeowners insurance plan protects your home in case of something such as a natural disaster or fire. With a homeowners insurance plan, you won't be able to file a claim if you need a new washing machine or stove, unless the damage is due to a natural disaster, which isn't that common in Chaska.
Homebuyers, real estate agents, landlords, homeowners, and home sellers 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 different types of home warranties in Chaska include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers your systems and appliances, including your refrigerator, washing machine, and plumbing. An appliance or system plan will cover only the specific items mentioned in the plan.
Generally, a home warranty lasts for a year and can be renewed yearly. Some providers may offer month-to-month plans.
In general, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who will pay the service fees. In Chaska, where the median home value is $448,122, having the seller pay for the home warranty can save you some money on your new home.