Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
Are you considering getting a home warranty? Go with one of our top home warranty companies. Homeownership in North Mankato can be a satisfying step for many people, but it also comes with its fair share of challenges. Home repairs can be an unforeseen financial burden for many homeowners.
A home warranty in North Mankato can help bring down your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear. Finding the right home protection plan for your North Mankato home can be hard, so our team at Today's Homeowner did the research to help you find the top home warranty in North Mankato for your home. Keep reading for our home warranty company recommendations.
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 North Mankato. Choice has more than 15 years of experience in the industry and in that time has built a impressive network of service technicians nationwide. The 2 home warranty plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options. 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 has 2 plans that offer a mix of system and appliance coverage. 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.
To read more, visit our Choice Home Warranty Review. 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 North Mankato, Select Home Warranty is the most cost-effective home warranty. Select has been in the home warranty industry for over 11 years. When you purchase 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 that Select offers include options for appliance and system coverage.
The plans that Select offers to homeowners are 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 of the 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. For a more detailed breakdown, read our Select Home Warranty full 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 for North Mankato residents. AHS has been operating for about 26 years, making it a respected company in the industry. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The home warranty company offers 3 plans to policyholders with various options for appliance and system coverage.
American Home Shield offers 3 plans for North Mankato homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically about $2,500.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read more by visiting our American Home Shield Review.
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 North Mankato. HSC has been in the home warranty industry for about 15 years. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. 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 North Mankato area.
Read our The Home Service Club Review to learn more. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 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 offers the most trustworthy home warranty for North Mankato residents. When you buy 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. Liberty has 3 simple plans, making the selection process quick and easy.
The plans that Liberty offers to homeowners 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 company. Service fees are an affordable $75.
Read more by visiting our Liberty Home Guard Review. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281.
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 offers the home warranty with the best workmanship guarantee for North Mankato residents. When you purchase a home warranty 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 are easy to comprehend and have a mix of both system and appliance coverage.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch's plans are around the $1,000-$2,000 mark for most major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For more information, read our detailed review of Cinch Home Services.
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 | $5,915 |
| Heating | $3,943 |
| Electrical | $591 |
| Toilets | $493 |
| Washer/Dryer | $789 |
| Plumbing | $591 |
| Oven | $1,577 |
| Fridge | $591 |
A home warranty is a protection plan that covers the cost of repairing or replacing major home systems and appliances when they malfunction over time due to normal wear and tear. Having one in place can give you some peace of mind and prevent you from paying big out-of-pocket costs. Most home warranty plans start about 30 days after purchasing the home warranty policy.
When you have a system or appliance that has a problem, you file a claim with your home warranty provider. You can do so in an online portal or by telephone, and then a technician will come and fix the problem.
Once you submit the claim, it will be assigned to a local service technician that will come to your home and assess the issue. At this point, you pay your service fee. Service fees usually range in price from around $60 to $150 and this is the only out-of-pocket fee you will have to pay unless the repair cost is more than your home warranty's coverage limit.
A home warranty provides coverage on your home's major appliances and systems and it can help bring down the cost of maintaining your home. The appliances usually covered under a home warranty plan are the dishwasher, washing machine, refrigerator, oven, microwave, dryer, and more. System coverage typically includes plumbing, heating, air conditioning, electrical systems, and more.
You can also optionally opt to pay extra for add-on coverage for items such as swimming pools, septic systems, spas, and roof warranty.
An important thing to note is that home warranties only protect against normal wear and tear that occurs on your home systems and appliances. Things such as pre-existing conditions, cosmetic damages, lack of maintenance, and misuse are excluded from the home warranty policy.
Since temperatures in North Mankato can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Buying a home warranty can help homeowners save money if one of these systems or appliances breaks down suddenly.
Additionally, having a North Mankato home warranty can make your house more attractive to potential homebuyers if you ever decide to sell in the future. Many home warranty companies will allow you to transfer your plan to a new owner and give them the same protection you've been benefiting from.
One of the main drawbacks of a home warranty is not everything you care about may be covered. It's important to research the different plans and opt for one that covers all the appliances, systems, and add-ons you need.
Another pain point of home warranties is that they don't cover items that haven't been properly maintained. This can lead to your repair requests being rejected, so it's important to be sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
After reviewing the basics of home warranties in North Mankato, the next step is to decide which company you want to receive a free quote from. Before deciding which home warranty to purchase, here are a few additional factors to consider:
The best overall home warranty in North Mankato is Choice Home Warranty, but the perfect company for you will depend on factors like what appliances and systems you need coverage for.
The different home warranties in North Mankato are plans with coverage for either appliances or systems and a comprehensive plan. A comprehensive plan covers many of your systems and appliances, including your refrigerator, washing machine, and heating and cooling systems. An appliance or systems only plan will cover the specific appliances or systems listed in the plan.
Home warranty plans usually provide coverage for a year. Many providers let you renew your plan yearly, which can be useful in North Mankato for more protection against something like your heater needing repairs when you require it the most.
Home warranties cover the cost of repairs and replacements as long as it is within the coverage cap of the plan. If the replacement costs more than the home warranty covers, you will have to pay for the rest out of pocket.
In general, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be given to the new homeowner, who has to pay the service fees when using the policy. In North Mankato, where the median value of a home is $199,000, when the seller includes a home warranty can be a good asset for your new home.
The systems and appliances in a home are covered under a home warranty in North Mankato. Everything from a microwave to a pool can be covered under a home warranty depending on the plan.
