Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
Are you thinking about getting a home warranty? Check out one of our top home warranty companies. Ham Lake gives homeowners some beautiful housing options. However, unplanned repair and replacement costs on your home's systems and appliances can get quite costly.
A home warranty policy can help protect homebuyers and current homeowners by covering major repairs and replacements on your home's appliances and systems. Finding the best home warranty on the market can be quite overwhelming because there are dozens of 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 Ham Lake 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
Choice Home Warranty is the best overall home warranty in Ham Lake. Choice has been in the home warranty industry for about 15 years. Choice has 2 simple plans, making the selection process easy. If you're looking for very high coverage caps and simple-to-understand service contracts, this is the provider for you. Plus, it 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 system and appliance coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, 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 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 offers the most cost-effective home warranty for Ham Lake residents. Select is a home warranty provider with 11 years of experience in the industry, and it has established itself as one of the best providers in the business. 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. The 3 plans that Select offers include options for appliance and system coverage.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select's plans are around the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. To read more, visit 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 Ham Lake, American Home Shield offers the most customizable home warranty. AHS has been in the home warranty industry for around 26 years. 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 offers 3 plans for you to decide between.
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 limits come out to around $2,500 per covered appliance or system.
Read our comprehensive review of American Home Shield to learn more. To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
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
The Home Service Club offers the best home warranty with the quickest service in Ham Lake. HSC is a home warranty provider with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans from HSC are easy to comprehend and offer both system and appliance coverage.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC's plans are close to the $2,000 mark for many major systems and appliances, and service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. To read more, visit our review of The Home Service Club.
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 Ham Lake, Liberty Home Guard offers the most trustworthy home warranty. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 plans for homeowners to choose from.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps from Liberty are about $3,000. The service fees are an affordable $75, which is lower than other providers in the Ham Lake area.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. For a more detailed breakdown, read our detailed review of Liberty Home Guard.
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
Cinch Home Services is the home warranty with the best workmanship guarantee in Ham Lake. Cinch has 3 plans for you to decide between. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally about $1,000-$2,000 at the maximum.
Read more by visiting our Cinch Home Services Review. To get 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
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 | $6,624 |
| Heating | $4,416 |
| Electrical | $662 |
| Toilets | $552 |
| Washer/Dryer | $883 |
| Plumbing | $662 |
| Oven | $1,766 |
| Fridge | $662 |
A home warranty is a money savings plan that helps homeowners account for the high costs of appliance and systems repairs. Home warranties will cover a number of home systems and appliances that need repairs or replacements due to normal wear and tear. Having a home warranty in place can make it easier to budget and manage your finances. A home warranty plan typically has a 30-day waiting period from the time you purchase to when you can start using it.
When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty company. Most companies have an online portal system to help you do this. After you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue.
The claim is then processed, and a homeowner will pay a service fee to schedule the repair for their home. This repair will usually occur within 24 to 72 hours and should only cost the homeowner the price of the service fee. Most service fees are between $60 and $150.
A home warranty plan will cover your home's systems and appliances from normal wear. The appliances a home warranty typically covers include a stove, refrigerator, clothes dryer, cooktop, clothes washer, microwave, dishwasher, and more. The systems included are the plumbing, electrical, air conditioning, heating, and others.
Add-on options can vary by provider but typically include things like a plumbing stoppages, septic system, second refrigerator, sprinkler system, and central vacuum.
An important thing to note is that home warranties only cover normal wear and tear on your home systems and appliances. Things such as cosmetic damages, misuse, lack of maintenance, and pre-existing conditions are excluded from the home warranty policy.
Home warranty policies are an affordable way to guard your home systems and appliances from normal wear and tear. With temperatures in Ham Lake hitting an average high of 53℃F, you may find that some appliances, like your air conditioning system, get a lot of use. A home warranty can remarkably decrease out-of-pocket costs should your HVAC system break down.
Plus, though it varies by company, some providers will allow you to 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.
One drawback of a home warranty is that there are usually exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may not be included in the home warranty, so it's important to read over the contracts you're considering thoroughly to get a sense of what is included and what isn't.
Another possible pain point of home warranties is that they don't cover systems or appliances that have been improperly maintained. This can lead to your claims being denied, so it's important to be sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
After reviewing home warranties in Ham Lake, your next step is to decide which company you'd like to receive a free quote from. Below are some factors to consider when buying a home warranty in Ham Lake:
Our pick for the best overall home warranty company in Ham Lake is Choice Home Warranty, but the best company for you will depend on factors like what appliances and systems you need coverage for.
Home warranty policies cover issues with home systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a different plan that protects an entire home from natural disasters, which can sometimes be a concern in Ham Lake. It doesn't cover a typical appliance or system damage.
A home warranty plan can cover either the home's appliances and systems, or both. Combination plans are great if you'd like more coverage for your home, but a systems or appliance only plan can be useful too if you want to save some money.
Home warranties cover the cost of repairs and replacements as long as it is within the policy limits of the plan. If the replacement costs more than the home warranty plan covers, you will have to pay for the rest out of pocket.
A home warranty plan can cost on average around $300 to $800 a year in Ham Lake. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. In addition, it's typically less expensive to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, opting for the annual plan over monthly payments saves you $80. It's important to compare plans to determine what the best value is.
The systems and appliances in a home are covered under a home warranty in Ham Lake. Everything from a stove to a washer can be covered under a home warranty depending on the plan.
