Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Inver Grove Heights offers homeowners some beautiful housing options. However, unanticipated repair and replacement costs on your home’s appliances and systems can get quite pricey. A home warranty can bring you the peace of mind you need and shield your bank account from large expenses by covering your home’s major systems and appliances.
The home warranty market has many providers — all with different plans — so the Today's Homeowner team has compiled this guide to help you choose the best home warranty companies in Inver Grove Heights.
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
In Inver Grove Heights, Liberty Home Guard offers the most trustworthy home warranty. Liberty has around 6 years of industry experience and in that time has built a an network of service professionals in the country. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are easily comprehensible and offer both system and appliance coverage.
Liberty Home Guard offers 3 plans for Inver Grove Heights homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is lower than other providers in the Inver Grove Heights area.
Read more by visiting our review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
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
In Inver Grove Heights, Choice Home Warranty offers the best overall home warranty. Choice has around 15 years of industry experience and in that time has built a an network of service professionals in the country. With a home warranty from Choice, you can enjoy very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are easily comprehensible and offer both system and appliance coverage.
Choice Home Warranty offers 2 plans for Inver Grove Heights homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is lower than other providers in the Inver Grove Heights area.
Read more by visiting our review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
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
In Inver Grove Heights, Select Home Warranty offers the most cost-effective home warranty. Select has around 11 years of industry experience and in that time has built a an network of service professionals in the country. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are easily comprehensible and offer both system and appliance coverage.
Select Home Warranty offers 3 plans for Inver Grove Heights homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is lower than other providers in the Inver Grove Heights area.
Read more by visiting our review of Select Home Warranty. To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
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 Inver Grove Heights, American Home Shield offers the most customizable home warranty. AHS has around 26 years of industry experience and in that time has built a an network of service professionals in the country. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easily comprehensible and offer both system and appliance coverage.
American Home Shield offers 3 plans for Inver Grove Heights homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Inver Grove Heights area.
Read more by visiting our review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839.
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
In Inver Grove Heights, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has around 44 years of industry experience and in that time has built a an network of service professionals in the country. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easily comprehensible and offer both system and appliance coverage.
Cinch Home Services offers 3 plans for Inver Grove Heights homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Inver Grove Heights area.
Read more by visiting our review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
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
In Inver Grove Heights, The Home Service Club offers the best home warranty with the quickest service. HSC has around 15 years of industry experience and in that time has built a an network of service professionals in the country. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it 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 easily comprehensible and offer both system and appliance coverage.
The Home Service Club offers 2 plans for Inver Grove Heights homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Inver Grove Heights area.
Read more by visiting our review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
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 | $6,249 |
| Heating | $4,166 |
| Electrical | $625 |
| Toilets | $521 |
| Washer/Dryer | $833 |
| Plumbing | $625 |
| Oven | $1,666 |
| Fridge | $625 |
A home warranty is a protection plan that assists Inver Grove Heights homeowners lower the high costs of household repairs. These plans provide financial protection to fix or replace appliances and systems that break down from normal wear and tear.
Homeowners submit 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 go over the item's coverage limit. A home warranty gives peace of mind to homeowners, as it helps prevent costly emergency repairs. Home warranties are particularly useful for older houses or those with aging systems. New homes with modern appliances might not need a home warranty.
Home warranties cover many household systems and appliances. Common covered appliances are dishwashers, microwaves, dryers, garbage disposals, washers, refrigerators, and others. Protected systems include heating, plumbing, electrical, and air conditioning. Many home warranty plans offer extra coverage for roof leaks, septic systems, central vacuums, and even locksmiths. Inver Grove Heights homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. Additionally, most policies only cover the cost of repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or improperly using a system or appliance. Remember to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
There are several home warranty terms to learn before signing an agreement, including:
When choosing a home warranty provider, there are several important factors to consider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans provide coverage for electrical, plumbing, AC, heating, and appliances. More inclusive options also include protection for other items such as roof leaks, well pumps, spas, and pools. Focus on providers with broad coverage options including upgraded plans. This flexibility enables you to customize your plan to meet your home's needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, you may want to choose a company with more affordable fees to maximize savings on every claim. Some providers also do away with deductibles for homeowners who don't file claims in a certain period.
A home warranty company's reputation can give you insight into things such as approval rates, repair timeliness, contractor quality, and customer satisfaction. Check review platforms such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research companies. Positive ratings and feedback indicate a provider known for great service.
Home warranty companies have networks of contractors to handle covered repairs. More extensive networks increase the likelihood of getting qualified technicians to service your home ASAP. Contact potential providers to find out how many contractors they have in Inver Grove Heights to get a sense of how soon your repairs could happen in an emergency.
Some home warranty providers may include perks such as energy efficiency upgrades, smart home device coverage, and reduced maintenance fees. These extras can provide extra value beyond just repair coverage. Extra bonuses let you enhance your home and get the most from your warranty policy.
Since temperatures in Inver Grove Heights can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Purchasing a home warranty policy can help homeowners save money if one of these systems or appliances breaks all of a sudden.
In addition to saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the headache of trying to find a qualified contractor to visit your home. Home warranties usually have a network of pre-vetted technicians who can handle any repair issues you may have. Another good thing about having a home warranty is when you’re selling your home, some providers let you transfer your home warranty policy to the new owners. It can make your house more attractive to potential homebuyers and help your home sell faster.
There are also some drawbacks to purchasing a home warranty policy, like the coverage exclusions. For example, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Another downside is that home warranties may not include some repairs, like those due to natural disasters. For example, if a tree falls onto your house and damages the roof, the affected systems and appliances most likely won’t be covered by the home warranty.
A home warranty in Inver Grove Heights can cost between $30 and $60 a month. Higher-priced plans typically have higher coverage limits, a lower service fee, and broader coverage. This cost is often lower if you pay annually instead of monthly. Some providers will also reduce your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranties cover problems with systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger plan that protects your entire home from natural disasters, which can sometimes be a concern in Inver Grove Heights. It doesn't cover a typical appliance or system damage.
A home warranty can help investors, home sellers, homeowners, real estate agents, and homebuyers. It can provide peace of mind and savings to anyone involved in homeownership.
The different types of home warranties in Inver Grove Heights include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover many of your systems and appliances, such as your washing machine, drier, and plumbing. An appliance or system plan will cover only the specific items listed in the contract.
Home warranty plans typically last a year. Many providers let you renew your plan yearly, and some offer month-to-month plans as well.
Usually the homeowner is responsible for paying for the home warranty. In some cases, however, the person who is selling the home may purchase a home warranty plan and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in Inver Grove Heights is $357,884, a home warranty can save you some money when buying a home.
