Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Written By David Cusick
Last Updated June 2024
Although homeownership in New Ulm has a great number of perks — such as being surrounded by nature — there are also downsides. One major headache many homeowners have to deal with at some point is updating or repairing their home appliances and systems. A home warranty is a way to protect your budget from unexpected expenses. With a home warranty in place, your repair costs can be considerably lower and allow you to live in your home with more peace of mind.
Finding the best home warranty on the market can be difficult, since there are so many companies to decide between. That’s why our team at Today's Homeowner did the research and made a list of the top home warranty companies in New Ulm 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
In New Ulm, Liberty Home Guard offers the most trustworthy home warranty. Liberty has around 6 years of experience in the home warranty industry and in that time has built a an network of service technicians nationwide. The 3 policies that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. When you buy a plan 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.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are an affordable $75.
Read our review of Liberty Home Guard to learn more. To receive a free quote from Liberty Home Guard, you can 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 New Ulm, Choice Home Warranty offers the best overall home warranty. Choice has around 15 years of experience in the home warranty industry and in that time has built a an network of service technicians nationwide. The 2 policies that Choice offers include differing levels of system and appliance coverage, as well as add-on options. When you buy a plan 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.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are an affordable $85.
Read our review of Choice Home Warranty to learn more. To receive a free quote from Choice Home Warranty, you can 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 New Ulm, Select Home Warranty offers the most cost-effective home warranty. Select has around 11 years of experience in the home warranty industry and in that time has built a an network of service technicians nationwide. The 3 policies that Select offers include differing levels of system and appliance coverage, as well as add-on options. When you buy a plan 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.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are a reasonable $60.
Read our review of Select Home Warranty to learn more. To receive a free quote from Select Home Warranty, you can 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 New Ulm, American Home Shield offers the most customizable home warranty. AHS has around 26 years of experience in the home warranty industry and in that time has built a an network of service technicians nationwide. The 3 policies that AHS offers include differing levels of system and appliance coverage, as well as add-on options. 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.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $75 to $125.
Read our 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
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 New Ulm, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has around 44 years of experience in the home warranty industry and in that time has built a an network of service technicians nationwide. The 3 policies that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. When you buy a plan 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.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $75 to $150.
Read our review of Cinch Home Services to learn more. To receive 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
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 New Ulm, The Home Service Club offers the best home warranty with the quickest service. HSC has around 15 years of experience in the home warranty industry and in that time has built a an network of service technicians nationwide. The 2 policies that HSC offers include differing levels of system and appliance coverage, as well as add-on options. When you buy a plan 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.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $65 to $90.
Read our review of The Home Service Club to learn more. To receive a free quote from The Home Service Club, you can 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 | $5,653 |
| Heating | $3,769 |
| Electrical | $565 |
| Toilets | $471 |
| Washer/Dryer | $754 |
| Plumbing | $565 |
| Oven | $1,508 |
| Fridge | $565 |
A home warranty is a protection policy that assists New Ulm homeowners cut the costs of appliance and system repairs. The plans provide financial coverage to fix or replace appliances and systems that break down due to normal wear and tear. When something breaks down, you file a claim and pay a service fee. The home warranty company then arranges a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement goes over the item's coverage limit. A home warranty policy gives homeowners a sense of security and can help avoid expensive emergency repairs. They can be especially helpful for people purchasing older homes or homes with appliances near the end of their life span. However, newer homes with modern appliances and fixtures may not need a home warranty.
Home warranties cover many household systems and appliances. Warranties usually cover appliances such as microwaves, refrigerators, garbage disposals, dryers, dishwashers, washers, and more. Covered systems include electrical, heating, plumbing, and air conditioning. Many home warranty companies also offer add-on coverage for central vacuums, locksmiths, septic systems, and roof leaks. Most home warranty plans require New Ulm homeowners to wait 30 days before the plan will cover repairs. Moreover, policies usually only cover repairs and replacements due to normal wear and tear. Home warranties don't cover cosmetic issues, pre-existing conditions, natural disasters, or misusing a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Before signing a home warranty contract, you should learn key terms like:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty coverage varies, although most plans provide coverage for AC, electrical, heating, plumbing, and appliances. More comprehensive options may also provide protection for extra things such as spas, well pumps, roof leaks, and pools. Focus on companies with wide-ranging coverage selections including upgraded plans. This flexibility enables you to customize 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 companies also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty provider's reputation provides insights into factors such as contractor expertise, repair speed, claim approval rates, and customer satisfaction. Read through review sites like the Better Business Bureau (BBB), TrustPilot, or Google Reviews to learn more about companies. Good ratings and feedback suggest a company known for providing quality service.
Home warranty companies keep networks of professionals to handle covered repairs. Wider networks raise the likelihood of getting qualified technicians to service your home ASAP. Reach out to potential providers and ask how many contractors they have in New Ulm to get a sense of how quickly your repairs could be handled in an emergency.
Some home warranty companies may include perks such as energy efficiency upgrades, reduced maintenance fees, and smart home device coverage. These extras can offer extra value beyond just repair coverage. Extra bonuses help you enhance your home and get the most from your home warranty.
New Ulm’s cold winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can cover your home’s appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the necessary repairs, saving you from spending unexpected money out of pocket.
In addition to saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the headache of trying to find a qualified repair person to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair issues you may have. Another added benefit of having home warranty coverage is that it can raise your home’s property value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you purchased your home warranty through.
One of the major drawbacks of a home warranty is not every home system and appliance you care about may be covered. It’s important to weigh the different plans and purchase one that covers all the appliances, systems, and add-ons you need.
Another pain point of home warranties is that they don’t cover systems or appliances that haven’t been properly 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.
A home warranty in New Ulm can cost between $30 and $60 a month. The 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 companies will also reduce your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty plans 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 different kind of plan that protects your entire home from natural disasters, which can sometimes be a concern in New Ulm. It doesn't cover a normal appliance or system repairs.
A home warranty plan can help home sellers, real estate agents, homeowners, homebuyers, and investors. It can offer peace of mind to anyone involved with homeownership.
The different home warranties in New Ulm include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover your home systems and appliances, including your refrigerator, washing machine, and HVAC. An appliance or system plan will cover only the items listed in the plan.
Home warranty plans typically last a year. Many providers let you renew your plan annually, and some offer month-to-month plans as well.
Typically, the person who owns the home pays for the home warranty. In some cases, however, the one selling the home may buy a home warranty plan and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Considering that the average home value in New Ulm is $219,774, a home warranty can save you some money when buying a home.
