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6 Best Home Warranty Companies in Fridley, MN

Written By David Cusick

Last Updated June 2024

Fridley gives homeowners some great housing options and the opportunity to enjoy the snow in the winter. However, freezing temperatures can do a number on your home’s systems, such as your HVAC. A home warranty policy can help protect homebuyers and current homeowners by cutting the costs of major repairs and replacements on your home’s most important appliances and systems.

Finding the right warranty for your home can be time-consuming, so our team at Today's Homeowner has compiled this guide to help you find the top home warranty companies in Fridley. Keep reading for our top provider recommendations.

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 Fridley

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 is the most trustworthy home warranty in Fridley. 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 has 3 plans that provide a combination of appliance and system coverage. The coverage limits from Liberty are around $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Fridley area.

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

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 is the best overall home warranty in Fridley. Choice has been in the home warranty industry for over 15 years. Choice offers 2 plans for homeowners to decide between. 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 provide a combination of appliance and system coverage. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Fridley area.

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

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 is the most cost-effective home warranty in Fridley. Select has been in the home warranty industry for over 11 years. Select offers 3 plans for homeowners to decide between. 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 provide a combination of appliance and system coverage. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Fridley area.

To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. To read more, visit our detailed review of Select Home Warranty.

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 is the most customizable home warranty in Fridley. AHS has been in the home warranty industry for over 26 years. AHS offers 3 plans for homeowners to decide between. 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 provide a combination of appliance and system coverage. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Fridley area.

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

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 is the home warranty with the best workmanship guarantee in Fridley. Cinch has been in the home warranty industry for over 44 years. Cinch offers 3 plans for homeowners to decide between. 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 provide a combination of appliance and system coverage. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Fridley area.

To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit our detailed review of Cinch Home Services.

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 is the best home warranty with the quickest service in Fridley. HSC has been in the home warranty industry for over 15 years. HSC offers 2 plans for homeowners to decide between. 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 provide a combination of appliance and system coverage. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Fridley area.

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

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 Fridley

Home ApplianceRepair Cost
Air Conditioner$6,086
Heating$4,057
Electrical$609
Toilets$507
Washer/Dryer$811
Plumbing$609
Oven$1,623
Fridge$609

How Does a Home Warranty Work?

A home warranty is a protection policy that helps cut costs for Fridley homeowners needing appliance and system repairs. These plans provide financial coverage to fix or swap out appliances and systems that break due to normal wear and tear. Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty provides security for homeowners by helping them prevent expensive emergency fixes. They're particularly useful for those who own older homes or ones with aging systems. More modern homes with modern fixtures probably don’t require a home warranty.

What Does a Home Warranty Cover?

Home warranties help protect both your home systems and appliances. Common covered appliances include refrigerators, dryers, washers, microwaves, dishwashers, garbage disposals, and more. Covered systems include plumbing, electrical, air conditioning, and heating. Many home warranty plans also offer add-on coverage options for central vacuums, locksmiths, septic systems, and even roof leaks. It's important for Fridley homeowners to know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover problems such as cosmetic issues, natural disasters, pre-existing conditions, or damage caused by improperly using a system or appliance. Make sure to keep up with preventative maintenance to help ensure that your next repair or replacement is covered by your policy.

Key Home Warranty Terms to Know

Before signing a home warranty contract, you should learn key terms like:

  • 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: How much you pay for a covered repair before your warranty covers the rest. Deductibles can be per-claim or yearly.
  • Trade call fee: An added fee that you'll sometimes need to pay for appliance-related claims.
  • Service fee: The out-of-pocket cost you pay per claim for access to a contractor and repair coverage.
  • Claim approval: The process providers use to determine whether a requested repair or replacement is covered under a home warranty plan.
  • Coverage limits: Dollar limits that cap how much the warranty will pay for certain repairs or replacements. Check limits on air conditioning units, roof leaks, appliances, and similar repairs.
  • Endorsements: Additional coverage for systems like pools, well pumps, and septic, which usually comes with a fee for each add-on.
If you remember these important factors, it’ll help you choose a home warranty that's tailored to protecting your most essential home systems. Make sure to talk to companies about the specifics of coverage during the quote process, so you can avoid unexpected fees.

Key Factors in Choosing a Home Warranty Company

There are several important factors to consider when selecting a home warranty provider:

Coverage Options

Home warranty coverage varies widely in the items that are included. Most plans include protection for electrical, heating, AC, plumbing, and appliances. More comprehensive plans also cover other items such as pools, roof leaks, well pumps, and spas. Look for providers with a range of coverage choices, such as upgraded plans. Flexibility helps you tailor your protection for your needs.

Service Fees

Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, you may want to choose a provider with more affordable fees to maximize savings. Some providers also do away with deductibles for homeowners who don't file claims in a certain period.

Reputation

A home warranty company's reputation can give you insight into things such as contractor quality, repair timeliness, approval rates, and customer satisfaction. Browse review platforms such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Positive ratings and feedback indicate a company known for exceptional service.

Contractor Network

Home warranty companies use networks of local repair technicians to manage repairs in a given area. Contact potential businesses to ask how many repair technicians they have in Fridley and get an idea of how fast your repairs could be handled in an emergency. Larger networks increase the chance of getting qualified contractors to swiftly service your home.

Added Benefits

Some home warranty companies provide bonuses such as energy efficiency upgrades, smart home device protection, and maintenance discounts. These perks can add value beyond repair coverage. Added bonuses can maximize the usefulness of your home warranty.

Is a Home Warranty Worth it in Fridley?


Benefits of a Home Warranty

Since temperatures in Fridley can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Having a home warranty can help homeowners save money if one of these systems or appliances stops working all of a sudden.

A home warranty also can also save you time and energy. Instead of spending hours finding and choosing a contractor to fix your appliance or system, home warranty companies do the hard work for you and send a trusted professional to your door whenever you need them. A home warranty can also yield value in other ways. For example, some plans can be transferred between owners during a home sale.

Downsides of a Home Warranty

Home warranties also have some cons. While it can give you less to worry about since the home warranty sends out a repair person who carries out the repair for you, some may not like this, and they may want to choose their own contractor. If that’s the case for you, some home warranty companies allow you to choose a contractor.

Another drawback is that home warranties may exclude some repairs, like those needed because of natural disasters. For example, if a tree falls onto your house and damages the roof, the affected systems and appliances probably won’t be covered by the home warranty.

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 Fridley, MN

A home warranty in Fridley can cost anywhere from $30 to $60 a month. The higher-priced plans tend to have a lower service fee, higher coverage limits, and broader coverage. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also lower 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 protects against normal wear and tear to home systems and appliances. A homeowners insurance plan protects the entire home in case of a situation such as a fire or natural disaster. With homeowners insurance, you won't be able to file a claim if you need a new refrigerator or oven, unless the damage is a result of a natural disaster, which is somewhat common in Fridley.

A home warranty plan can help investors, home sellers, real estate agents, homeowners, and homebuyers. It can offer peace of mind and savings to anyone involved with homeownership.

A home warranty policy will cover your appliances, systems, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be useful if you want to save some money.

Generally, a home warranty plan lasts for a year and can be renewed yearly. Some companies may offer month-to-month plans.

Typically, the homeowner is the one who is responsible for paying 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 transferred to the new homeowner, who has to pay the service fees. In Fridley, where the median value of a home is $310,202, having the seller pay for the home warranty can be a good asset for your new home.

Other Fridley, MN Home Services