Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated May 2023
If you're considering getting a home warranty, our guide on the best companies in Minneapolis can help. There are many benefits of owning a home in Minneapolis. However, major home systems and appliances, like your electrical systems and washer and dryer, can malfunction due to normal wear and tear, leaving you with expensive repairs.
A home warranty can give you the peace of mind you need about your home and shield your bank account from large expenses by covering your home's major systems and appliances. Finding the best home warranty on the market can be quite difficult since there are lots of companies to decide between. That's why the Today's Homeowner team did the research and put together a list of the top home warranty companies in Minneapolis 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 Minneapolis. Choice has been in business for over 15 years, making it a respected company in the industry. Choice has 2 simple plans, making the selection process quick and easy. 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 offers 2 plans for Minneapolis homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Choice's plans are close to the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $85.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For a more detailed breakdown, read our Choice Home Warranty full 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 is the most cost-effective home warranty for Minneapolis residents. The 3 plans that Select offers include options for appliance and system coverage. With a home warranty from Select, you can benefit from 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 plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Minneapolis area.
Read more by visiting our Select Home Warranty full review. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 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
American Home Shield is the most customizable home warranty in Minneapolis. AHS has around 26 years of industry experience and in that time has built a an expansive network of service technicians in the country. When you buy a plan 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. AHS has 3 plans for homeowners to choose from.
American Home Shield has 3 plans that offer a combination of system and appliance coverage. The coverage caps from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Minneapolis area.
For more information on this provider, read our full review of American Home Shield. To get 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 is the best home warranty with the quickest service for Minneapolis residents. HSC has over 15 years of industry experience and in that time has built a impressive network of service technicians 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 easy to comprehend and offer both system and appliance coverage.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also around $2,000 at the maximum.
For more information, read our review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
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
Liberty Home Guard is the most trustworthy home warranty for Minneapolis residents. Liberty is a home warranty provider with 6 years of experience in the industry, and it has proved to be one of the best providers in the business. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you'll want to have this plan on your side. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage.
Liberty Home Guard offers 3 plans for Minneapolis homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with Liberty's plans are close to the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $75.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. To read more, visit our full 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 for Minneapolis residents. Cinch has more than 44 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. With a home warranty from Cinch, you can benefit from 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 that Cinch offers include differing levels of system and appliance coverage, as well as add-on options.
Cinch Home Services has 3 plans that offer a combination of system and appliance coverage. The coverage caps associated with Cinch's plans are close to the $1,000-$2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $150.
For more information on this provider, read our review of Cinch Home Services. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 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 | $6,459 |
| Heating | $4,306 |
| Electrical | $646 |
| Toilets | $538 |
| Washer/Dryer | $861 |
| Plumbing | $646 |
| Oven | $1,722 |
| Fridge | $646 |
A home warranty is a plan that can help homeowners save money on appliance and system repairs and replacements. Our appliances and home systems are what make living in a Minneapolis home comfortable and convenient. When these things need repairs, it can be pricey and a pain. Fortunately, with a home warranty plan, an affordable repair is just a phone call away.
When you have an issue with one of your appliances or systems, you can submit a claim with your home warranty company. Then, a customer service representative will contact you about a contractor coming over to look at the issue.
At this point, you'll also pay your service fee. Once the repair technician fixes the problem, they will handle it at no cost to you. The only time you may have to pay out-of-pocket costs is if the repair or replacement is higher than the item's coverage cap.
A home warranty in Minneapolis provides coverage for the main appliances and systems in your home. Appliances covered under a home warranty plan are the refrigerator, garbage disposal, dryer, dishwasher, microwave, and more. Systems that are covered include plumbing, heating, air conditioning, and electrical systems.
You can also optionally opt to pay a bit extra for add-on coverage for items like spas, septic systems, roof warranty, and swimming pools.
Minneapolis homeowners should understand that a home warranty plan will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like pre-existing conditions, misuse of a system or appliance, natural disasters, or cosmetic issues. You must keep up with preventative maintenance on your home systems and appliances to make sure that your next repair or replacement-related problem will be covered by the policy.
Minneapolis' 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 in the event 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 repairs, saving you from spending a lot of money out of pocket.
Not only can a Minneapolis home warranty save you money on repairs and replacements, it saves you time as well. Instead of vetting contractors by yourself, home warranty companies do the work for you and send pre-screened technicians right to your door when you need them.
As for the downsides of home warranties, system and appliance coverage varies by provider, so it's important to read what each plan covers and excludes in the contract.
Another downside is that home warranties may not include some repairs, such as those due to natural disasters. For example, if your house floods, the affected systems and appliances most likely won't be covered by the home warranty.
Determining the right provider for your home warranty is a step you can take to help protect your house. Plans can vary, so consider the following factors when choosing a home warranty plan:
The top home warranty provider in Minneapolis is Choice Home Warranty. Choice Home Warranty has an expansive network of professional contractors and a respected reputation in the Minneapolis area.
A home warranty protects against the normal wear and tear of home systems and appliances. A homeowners insurance plan protects a home in a situation like a natural disaster or fire. With a homeowners insurance plan, you will not be able to file a claim if you need a new washing machine or dishwasher, unless the damage is due to a natural disaster, which are somewhat common in Minneapolis.
A home warranty policy can help investors, homebuyers, home sellers, real estate agents, and homeowners. It can offer peace of mind to anyone involved with homeownership.
Home warranties cover the cost of repairs and replacements as long as it is within the policy limits of the plan. If the replacement will cost more than the home warranty plan covers, you will have to pay the rest out of pocket.
A service fee is a cost that you must pay before a repair technician or contractor comes to your home to repair your home warranty-related issue. Prices typically range between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket expense that homeowners have with a home warranty apart from the monthly premium/annual cost unless the expense is higher than the coverage cap.
A home warranty policy will cover repair and replacement costs for systems and appliances in a home. Home warranties only cover damage due to normal wear and tear and usually don't cover something that happened as a result of a pre-existing condition.
