Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Last Updated: February 25, 2025
With frigid winters, maintaining your home systems and appliances, particularly your HVAC, is very important for homeowners in Hopkins. A home warranty plan can help protect homeowners by cutting the costs of major repairs and replacements on your home’s most important systems and appliances.
Finding the best home warranty on the market can be challenging, as there are dozens of companies to decide between. That’s why our team at Today's Homeowner did the research and compiled a list of the top home warranty companies in Hopkins for you.
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 in Hopkins. Liberty has been on the market for more than 6 years, making it a highly regarded company in the industry. Liberty has 3 simple plans, making the selection process easy. When you purchase a policy 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.
There are 3 home warranty plans from Liberty Home Guard: 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 get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read more by visiting our Liberty Home Guard Review.
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
Choice Home Warranty offers the best overall home warranty in Hopkins. Choice has been on the market for more than 15 years, making it a highly regarded company in the industry. Choice has 2 simple plans, making the selection process easy. 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.
There are 2 home warranty plans from Choice Home Warranty: 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 get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read more by visiting our Choice Home Warranty Review.
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 in Hopkins. Select has been on the market for more than 11 years, making it a highly regarded company in the industry. Select has 3 simple plans, making the selection process easy. When you purchase a policy 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.
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 close to the $2,000 mark for most major systems and appliances, and service fees are a reasonable $60.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read more by visiting our Select Home Warranty 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
American Home Shield offers the most customizable home warranty in Hopkins. AHS has been on the market for more than 26 years, making it a highly regarded company in the industry. AHS has 3 simple plans, making the selection process easy. When you purchase a policy 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are close to the $2,500 mark for most major systems and appliances, and service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our American Home Shield Review.
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
Cinch Home Services offers the home warranty with the best workmanship guarantee in Hopkins. Cinch has been on the market for more than 44 years, making it a highly regarded company in the industry. Cinch has 3 simple plans, making the selection process easy. When you purchase a policy 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.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for most major systems and appliances, and service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read more by visiting our Cinch Home Services Review.
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
The Home Service Club offers the best home warranty with the quickest service in Hopkins. HSC has been on the market for more than 15 years, making it a highly regarded company in the industry. HSC has 2 simple plans, making the selection process easy. When you purchase a policy 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.
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 most major systems and appliances, and service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read more by visiting our The Home Service Club Review.
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 | $6,561 |
| Heating | $4,374 |
| Electrical | $656 |
| Toilets | $547 |
| Washer/Dryer | $875 |
| Plumbing | $656 |
| Oven | $1,750 |
| Fridge | $656 |
A home warranty is a protection plan that helps reduce the high costs for Hopkins homeowners needing appliance and system repairs. These plans provide financial coverage to repair or replace 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 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 exceed the item's coverage limit. A home warranty gives homeowners reassurance by helping avoid high-priced emergency repairs. The coverage is especially helpful for those living in older houses or houses with systems near the end of their life span. However, homeowners with newer homes and functioning appliances might not require a home warranty.
Home warranties cover many household systems and appliances. Typical covered appliances include garbage disposals, washers, dryers, microwaves, refrigerators, dishwashers, and more. Protected systems include air conditioning, electrical, heating, and plumbing. Various home warranty plans offer add-on coverage for central vacuums, septic systems, roof leaks, and even locksmiths. Hopkins homeowners should know that most home warranty policies have a 30-day waiting period before they can be used to cover repairs. Additionally, most policies only cover repairs and replacements due to normal wear and tear. Home warranties don't cover things like natural disasters, pre-existing conditions, cosmetic issues, or damage caused by improperly using a system or appliance. You need to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by the policy.
Here are some essential home warranty words to learn before signing a contract:
When choosing a home warranty provider, there are several key factors to consider:
Home warranty coverage varies, although most plans cover plumbing, AC, electrical, heating, and appliances. More inclusive plans may also cover extra things such as spas, pools, well pumps, and roof leaks. Look for companies with a range of coverage choices, such as upgraded plans. You'll want to tailor your protection for your needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using providers with lower service fees to maximize savings. Some providers also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty company's reputation provides insight into things such as timeliness of repairs, contractor quality, claim approval rates, and overall customer satisfaction. Look at third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Complimentary ratings and reviews indicate a provider known for stellar service.
Home warranty providers have networks of local contractors to handle repairs in your area. Reach out to potential providers to learn how many repair professionals they have in Hopkins and get an idea for how fast your repairs might happen in an emergency situation. Larger networks improve the probability of getting qualified contractors to quickly service your home.
Some home warranty companies provide bonuses such as maintenance discounts, smart home device protection, and energy efficiency upgrades. These perks can add value beyond repair coverage. Extra bonuses can maximize the usefulness of your home warranty.
Hopkins’s frigid winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can help cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the needed repairs, saving you from spending a lot of money out of pocket.
Plus, having a home warranty can save you time by removing the need to research repair people — most providers will send a trusted professional right to your door to complete the repair or replacement. A home warranty can also have value in other ways. For instance, some plans can be transferred between owners when you sell your home.
One of the main drawbacks of home warranties is not everything you care about may be covered. It’s important to weigh the different policies and get one that covers all the appliances, systems, and add-ons you need.
Another drawback is that home warranties may not include some repairs, like those needed because of natural disasters. For example, if your HVAC system is damaged from an animal infestation, the impacted systems and appliances most likely won’t be covered by the home warranty.
A home warranty in Hopkins can cost between $30 and $60 a month. The higher-priced plans tend to have higher coverage limits, a lower service fee, and broader coverage. Home warranties are often cheaper when you pay annually instead of monthly. Some providers 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 types of damage each covers. A home warranty plan protects against normal wear and tear to systems and appliances in a home. Homeowners insurance protects the entire home in a situation such as a fire or natural disaster. Under homeowners insurance, you won't be able to file a claim if you need a new dryer or oven, unless the damage is a result of a natural disaster, which is somewhat common in Hopkins.
First-time homebuyers, homeowners, home sellers, landlords, and real estate agents are all eligible for 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 plan will cover your home’s systems, appliances, or both. Combination plans are great if you'd like more coverage for your home, but a system- or appliance-only plan can be helpful if you want to save some money.
Generally, a home warranty plan lasts for a year and can be renewed annually. Some providers may offer month-to-month options.
Typically, the homeowner pays for the home warranty. In some cases, however, the one selling the home may purchase a home warranty 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 Hopkins is $324,319, a home warranty can save you some money when buying a home.
