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6 Best Home Warranty Companies in Faribault, MN

Written By David Cusick

Last Updated June 2024

Homeownership in Faribault can be satisfying for many people, but it also comes with its fair share of headaches. Updating your home’s appliances and systems can be an unexpected financial burden for many homeowners. A home warranty plan 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 filled with a variety of providers — all with different coverage — so our team at Today's Homeowner has compiled this guide to help you choose the best home warranty companies in Faribault.

Our Recommended Providers

Advertisement This site receives compensation from some of the companies featured in this listing, which may impact where and how products appear. When you click "Get Quote," you will be connected with partners who may contact you with information related to your inquiry. This listing doesn't feature all companies, products, or offers that may be available.
Top Pick
4.1/5
  • Comprehensive coverage
  • Decent coverage caps
  • No exclusions for older homes
Best For First Time Homeowners
4.2/5
  • 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
Best for Customization
4.5/5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages

The 6 Best Home Warranty Companies in Faribault

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

Won’t cover known or unknown pre-existing conditions

Liberty Home Guard offers the most trustworthy home warranty for Faribault residents. 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 has 3 simple plans, making the selection process quick and easy.

The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage caps come out to about $3,000 per covered appliance or system.

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

Appliance Guard

Systems Guard

Total Home Guard

Service fee: $75.00Monthly 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: $75.00Monthly 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: $75.00Monthly 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

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

Choice Home Warranty offers the best overall home warranty for Faribault residents. 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 has 2 simple plans, making the selection process quick and easy.

The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage caps come out to about $3,000 per covered appliance or system.

To read more, visit our thorough review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.

Basic Plan

Total Plan

Service fee: $85.00Monthly 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: $85.00Monthly 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

Select Home Warranty offers the most cost-effective home warranty for Faribault residents. 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 has 3 simple plans, making the selection process quick and easy.

The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage caps come out to about $2,000 per covered appliance or system.

To read more, visit our thorough review of Select Home Warranty. To receive 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: $60.00Monthly 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: $60.00Monthly 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: $60.00Monthly 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 offers the most customizable home warranty for Faribault residents. 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. AHS has 3 simple plans, making the selection process quick and easy.

The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 per covered appliance or system.

To read more, visit our thorough review of American Home Shield. To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.

ShieldSilver

ShieldGold

ShieldPlatinum

Service fee: $75.00 - $125.00Monthly 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 - $125.00Monthly 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 - $125.00Monthly 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

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 Faribault residents. 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 has 3 simple plans, making the selection process quick and easy.

The plans that Cinch offers to homeowners are 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 caps come out to about $1,000-$2,000 per covered appliance or system.

To read more, visit our thorough review of Cinch Home Services. To receive 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 - $150.00Monthly 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 - $150.00Monthly 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 - $150.00Monthly 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

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

The Home Service Club offers the best home warranty with the quickest service for Faribault residents. 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. HSC has 2 simple plans, making the selection process quick and easy.

The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to about $2,000 per covered appliance or system.

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

Standard Coverage Plan

Comprehensive Coverage Plan

Service fee: $60.00 - $95.00Monthly 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 - $95.00Monthly 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
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 Faribault

Home ApplianceRepair Cost
Air Conditioner$5,926
Heating$3,951
Electrical$593
Toilets$494
Washer/Dryer$790
Plumbing$593
Oven$1,580
Fridge$593

How Does a Home Warranty Work?

A home warranty is a protection plan that helps reduce the high costs for Faribault homeowners needing appliance and system repairs. These plans provide financial coverage to repair or replace 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 arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives peace of mind to homeowners because it helps prevent expensive emergency repairs. Home warranties are the most useful for older houses or those with aging systems. New homes with up-to-date appliances may not need a home warranty.

What Does a Home Warranty Cover?

Home warranties protect your home's systems and appliances. Typical covered appliances are dryers, microwaves, refrigerators, dishwashers, garbage disposals, washers, and others. Protected systems include air conditioning, plumbing, electrical, and heating. Many home warranty plans offer additional coverage for central vacuums, septic systems, roof leaks, and even locksmiths. Faribault should understand that most home warranty plans have a 30-day waiting period before repair claims will be approved. The majority of policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or misusing a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.

Key Home Warranty Terms to Know

Here are some key home warranty terms to learn before signing a contract:

  • Service fee: The out-of-pocket cost you pay per claim for access to a contractor and repair coverage.
  • Endorsements: Optional add-on coverage for systems such as septic, well pumps, pools and more. Endorsements typically come with an additional fee.
  • Claim approval: The process a provider uses to validate that a requested repair or replacement is covered under your plan.
  • Trade call fee: An additional fee that some companies charge for appliance-related claims.
  • Coverage limits: Dollar limits that cap how much the warranty will pay for certain repairs or replacements. Check limits on roof leaks, air conditioning units, appliances, and similar repairs.
  • Contract rate: A pre-negotiated rate that your home warranty provider has worked out with contractors. This rate is typically less than what you would pay retail.
  • Deductible: The amount you're responsible for before your warranty covers the remainder of the cost. Deductibles apply to covered repairs and may be on a per-claim or yearly basis.
With these important details in mind, you'll be able to better understand pricing and choose a home warranty customized to protecting your most essential home systems. During the quoting process, take care to review coverage details with potential providers, so you don't encounter any unexpected fees.

Key Factors in Choosing a Home Warranty Company

When choosing a home warranty provider, there are several key factors to consider:

Coverage Options

Home warranties differ greatly in the items covered. Basic plans typically include electrical, AC, heating, plumbing, and appliances, while more comprehensive plans may also cover pools, spas, well pumps, and roof leaks. Focus on providers with wide-ranging coverage selections including upgraded plans. Flexibility like this will help you customize your plan to meet your needs.

Service Fees

You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may look for companies advertising more affordable fees to optimize savings on each repair claim. Certain providers may eliminate deductibles after a customer goes a period of time with no claims filed.

Reputation

A home warranty company's reputation provides insights into factors such as claim approval rates, contractor expertise, repair speed, and customer satisfaction. Check review sites like TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to learn more about companies. Positive reviews and ratings suggest a company known for providing quality service.

Contractor Network

Home warranty companies keep networks of local professionals to handle repairs in your area. Contact potential providers to find out how many repair professionals they have in Faribault and get an idea for how quickly your repairs could take place in an emergency situation. More extensive networks improve the probability of getting qualified contractors to swiftly service your home.

Added Benefits

Some home warranty companies may include perks such as smart home device coverage, reduced maintenance fees, and energy efficiency upgrades. These extras can provide extra value beyond repair coverage. Extra bonuses allow you to enhance your home and get the most from your warranty policy.

Is a Home Warranty Worth it in Faribault?


Benefits of a Home Warranty

Faribault’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 if they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the needed repairs, preventing you from spending a lot of money out of pocket.

Along with saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the hassle 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 come across. Another benefit of having a home warranty is when you’re selling your home, some providers let you transfer your home warranty plan to the new owners. This can make your house more attractive to potential homebuyers and may help your home sell faster.

Downsides of a Home Warranty

Home warranties also have some drawbacks. Although it can be convenient that the home warranty sends out a contractor who takes care of the repair for you, some may not like this, and they may want to select a contractor themselves. If that’s important to you, some home warranty providers let you choose a contractor.

Another consideration is that home warranties typically only cover malfunctions due to normal wear and tear. They often won’t cover systems or appliances that have stopped working due to animal infestations, natural disasters, improper maintenance, etc.

Our Recommended Providers

Advertisement This site receives compensation from some of the companies featured in this listing, which may impact where and how products appear. When you click "Get Quote," you will be connected with partners who may contact you with information related to your inquiry. This listing doesn't feature all companies, products, or offers that may be available.
Top Pick
4.1/5
  • Comprehensive coverage
  • Decent coverage caps
  • No exclusions for older homes
Best For First Time Homeowners
4.2/5
  • 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
Best for Customization
4.5/5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages

Frequently Asked Questions About Home Warranty in Faribault, MN

A home warranty policy costs, on average, about $300 to $600 a year in Faribault. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by opting for a higher service fee. Additionally, it's usually cheaper to pay annually rather than monthly.

The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan covers normal wear and tear to home systems and appliances. Homeowners insurance protects a home in case of a situation such as a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim should you need a new dryer or stove, unless the damage is a result of a natural disaster, which isn't that common in Faribault.

Homebuyers, landlords, homeowners, real estate agents, and home sellers can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.

A home warranty policy will cover your home’s appliances, systems, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be helpful if you're concerned about one more than the other.

Home warranty plans typically offer coverage for a year. Many providers let you renew your plan yearly, and some offer month-to-month plans as well.

Typically, the homeowner is the one who pays the premium and service fees. However, if you have just bought 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 Faribault, where the median value of a home is $282,111, having the seller pay for the home warranty can save you some money on your new home.

Other Faribault, MN Home Services