Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
Are you considering getting a home warranty? Check out one of our top home warranty companies. Homeownership in Elk River comes with quite a few positives, but it also comes with its challenges. Your home's appliances and systems will inevitably need repair, and this could mean a huge expense hitting your bank account suddenly.
A home warranty plan can help protect you by reducing the costs of major repairs and replacements on your home's appliances and systems. Finding the best home warranty on the market can be quite challenging as there are so many companies to choose from. That's why our team at Today's Homeowner did the research and put together a list of the top home warranty companies in Elk River for you.
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 Elk River, Choice Home Warranty is the best overall home warranty. Choice has around 15 years of experience in the home warranty industry and in that time has built a impressive network of service technicians nationwide. When you purchase a policy 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. The home warranty provider offers 2 plans to policyholders, which have various options for appliance and system coverage.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps associated with Choice's plans are close to the $3,000 mark for most major systems and appliances, and service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. To read more, visit our comprehensive 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 is the most cost-effective home warranty in Elk River. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you'll want to have this plan on your side. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 plans for homeowners to choose from.
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 per covered system or appliance.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For more information, read our Select Home Warranty full review.
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 Elk River, American Home Shield offers the most customizable home warranty. AHS is a home warranty company with 26 years of experience in the industry, and it has established itself as one of the best providers in the business. The 3 plans from AHS are easily comprehensible and offer 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 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 $125.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read more by visiting our review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Elk River, The Home Service Club is the best home warranty with the quickest service. HSC has been operating for around 15 years, making it a highly regarded company in the industry. If you're looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, you'll want to have this plan on your side. Plus, it 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 and policy coverage easily comprehensible.
The Home Service Club has 2 plans that offer a combination of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically around $2,000.
For a more detailed breakdown, read our review of The Home Service Club. 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
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
In Elk River, Liberty Home Guard is the most trustworthy home warranty. Liberty has about 6 years of experience in the industry and in that time has built a impressive network of service technicians in the country. Liberty has 3 plans for homeowners to choose from. 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.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty's plans are close to the $3,000 mark for most 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. Read our comprehensive review of Liberty Home Guard to learn more.
Appliance Guard
Systems Guard
Total Home Guard
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 Elk River, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been in the home warranty business for over 44 years. 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. The 3 policies that Cinch offers include options for appliance and system coverage.
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 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.
Read our comprehensive review of Cinch Home Services to learn more. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505.
Appliances Plan
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 |
|---|---|
| Air Conditioner | $6,097 |
| Heating | $4,065 |
| Electrical | $610 |
| Toilets | $508 |
| Washer/Dryer | $813 |
| Plumbing | $610 |
| Oven | $1,626 |
| Fridge | $610 |
A home warranty is a protection plan that makes it more affordable when one of your home systems or appliances has a problem. A home warranty can help homeowners who need to keep a budget in place and don't want to use their savings to pay for large repair or replacement expenses. Typically, about 30 days after paying for a home warranty plan, the coverage will start on your home systems and appliances.
For Elk River homeowners, it is very straightforward to file a claim when a problem comes up with a covered appliance or system. Most home warranty companies have an online portal system where you can file a claim.
After that, you will pay the service fee. Service fees for home warranty customers range from $60 to $150. Most home warranties also have a coverage cap, which is the maximum cost per appliance that the home warranty company will cover for repairs and replacements.
A home warranty will cover your home's systems and appliances from normal wear. The appliances usually covered under a home warranty plan include a microwave, clothes dryer, clothes washer, dishwasher, refrigerator, garbage disposal, and more. The systems included are electrical systems, air conditioning, ductwork, and plumbing.
Add-on coverage options can vary by plan but commonly include things such as a sprinkler system, plumbing stoppages, second refrigerator, central vacuum, and septic system.
A home warranty will only cover repairs and replacements due to normal wear and tear. If you don't take care of your home and maintain them properly, the home warranty will not cover it. Also, a home warranty does not cover pre-existing conditions, cosmetic damages, lack of maintenance, and misuse.
Home warranty plans are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Elk River hitting an average high of 53℃F, you may find that some appliances, like your air conditioning unit, get a lot of use. A home warranty can considerably bring down out-of-pocket costs should your HVAC system stop working.
In addition to saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the pain of trying to find a qualified technician to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair problems you may have.
As for the disadvantages of home warranties, system and appliance coverage varies by company, so it's important to review what each plan covers and doesn't include in the contract.
Also, if you don't maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
After researching the basics of home warranties in Elk River, your next step is to determine which company you're interested in getting a free quote from. Here are some tips on purchasing a home warranty in Elk River:
The top home warranty company in Elk River is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced repair technicians and a tremendous reputation in the Elk River area.
A home warranty is a type of contract that covers the repairs and replacements of major home systems and appliances.
A home warranty plan can cover either the home's appliances and systems, or both. Combination plans are beneficial if you'd like more coverage for your home, but a systems or appliance plan can be useful too if you're concerned about one more than the other.
Typically the person who owns the home is responsible for paying for the home warranty. In the case of selling a home, however, the home seller may buy a home warranty plan and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Since the average home value in Elk River is $244,500, a home warranty can help you avoid further costs when buying a home.
The service fee is the price you pay every time there's an issue with a system or appliance and you file a claim with your home warranty. Service fees are commonly priced between $60 and $150.
Home warranties typically will not cover problems due to natural disasters, lack of proper maintenance, pre-existing conditions, or intentional breaking of an appliance. They only cover damage from normal wear and tear. Although it doesn't cover everything, a home warranty can still be useful to help you save some money in a town like Elk River.
