Written By Todays Homeowner Local Pros
Last Updated May 2023
Find the best home warranty provider for your home. Homeownership in Prior Lake comes with quite a few positives, but it also comes with its difficulties. Your home's appliances and systems will eventually need repair, and this could mean a burdensome expense hitting your bank account suddenly.
A home warranty plan can help protect homeowners by cutting the costs of major repairs and replacements on your home's appliances and systems. Choosing the best home warranties on the market can be challenging because of the sheer number of options out there. If you are frustrated with trying to compare the different options, keep reading for our guide to the best home warranty providers in Prior Lake.
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 Prior Lake, Choice Home Warranty is the best overall home warranty. Choice has more than 15 years of industry experience and in that time has built a a skilled network of service technicians nationwide. Choice has 2 plans for you to choose from. If you're looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it 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. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000.
For more information on this provider, read our Choice Home Warranty full review. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164.
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 Prior Lake, Select Home Warranty is the most cost-effective home warranty. When you purchase a home warranty 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.
Select Home Warranty offers 3 plans for Prior Lake 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. Select's service fees are a reasonable $60, and the coverage limits come out to around $2,000 per covered system or appliance.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 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 is the most customizable home warranty in Prior Lake. AHS has been in the home warranty industry for over 26 years. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 plans for you to decide between.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also about $2,500 at the maximum.
For more information, read our review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.
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 for Prior Lake residents. HSC is a home warranty provider with 15 years of experience in the industry, and it has become one of the best providers in the business. HSC has 2 plans for you to choose from. If you're looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, this is the provider for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club offers 2 plans for Prior Lake 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 caps associated with HSC's plans are around the $2,000 mark for many 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, fill out this online form or call 800-750-9443. Read more by visiting our detailed review of The Home Service Club.
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
In Prior Lake, Liberty Home Guard is the most trustworthy home warranty. Liberty has been in the home warranty business for over 6 years. Liberty has 3 plans for homeowners to choose from. 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 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 be sure to check with the company. Service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For more information on this provider, read our comprehensive review of Liberty Home 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 Prior Lake residents. Cinch has over 44 years of industry experience and in that time has built a an expansive network of service technicians nationwide. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the plan for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The 3 home warranty plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options.
The plans that Cinch offers to homeowners 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 many of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To read more, visit our Cinch Home Services full review. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505.
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|
A home warranty is a protection plan that covers home systems and appliances. When your refrigerator stops working, and the repair is several hundred dollars, a home warranty will ensure that all you have to pay is a predetermined service fee. Home warranty companies typically don't require an inspection, and you can generally start using it about 30 days after purchasing the policy.
When you notice a problem with one of your appliances or systems, you can file a claim with your home warranty company. Then, a customer service representative will contact you about a repair technician coming over to take a look at the issue.
At this point, you'll pay your service fee, which is usually between $60 and $150, depending on what plan you select. After the service fee is paid, a service technician will come to your home, assess the issue, and repair it. If the repair is covered under the warranty and the coverage cap is not reached, most homeowners will not have any other out-of-pocket costs apart from the service fee.
A home warranty plan will cover systems and appliances that have broken down from normal wear and tear. For instance, if your refrigerator suddenly needs repairs under normal use conditions, you can call your home warranty company. The appliances typically covered under a home warranty plan are the oven, dryer, washing machine, microwave, dishwasher, refrigerator, and more. System coverage typically includes electrical systems, plumbing, heating, air conditioning, and more.
You can also optionally opt to pay a bit extra for add-on coverage for items such as swimming pools, spas, septic systems, and roof warranty.
A home warranty will only cover repairs and replacements due to normal wear and tear. If you are experiencing cosmetic issues with appliances or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, pre-existing conditions, intentional breakages, and natural disasters are not covered with a home warranty.
Since temperatures in Prior Lake can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Getting a home warranty plan can help homeowners save money if one of these systems or appliances stops working suddenly.
As well as saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the pain of trying to find a qualified contractor to visit your home. Home warranties usually have a network of pre-vetted contractors who can handle any repair issues you may experience.
Home warranties also have some cons. While it can save you time when the home warranty sends out a contractor who carries out the repair for you, some may not like this, and they would prefer to choose their own contractor. If that's important to you, some home warranty companies let you choose a contractor.
Another stipulation is that home warranties usually only cover repairs needed due to normal wear and tear. They commonly won't cover home systems or appliances that have stopped working due to animal infestations, improper maintenance, natural disasters, etc.
The first step in protecting your home with a home warranty is determining which provider's plan fits your needs. Think about the appliances and systems in your home you'd like coverage for and compare the policies. Below are some tips on looking for a home warranty in Prior Lake:
The best home warranty company in Prior Lake is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced contractors and a great reputation in the Prior Lake area.
A home warranty is a type of service contract that gives homeowners extra coverage for their household systems and appliances. These include dishwashers, garbage disposals, dryers, refrigerators, washing machines, electrical systems, water heaters, sump pumps, heating and cooling systems, and plumbing, among others. Some plans also offer coverage for pools, garage door openers, ceiling fans, and roofs. A home warranty can help you save money if these items fail unexpectedly.
A home warranty plan will cover either your home's systems and appliances, or both. Combination plans are beneficial if you'd like more coverage for your home, but a systems or appliance only plan can be useful too if you want to save some money.
Usually, the homeowner is the one who is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who has to pay the service fees when using the policy. In Prior Lake, where the median value of a home is $301,161, when the seller pays for the home warranty can be a good asset for your new home.
A service fee is an expense that a homeowner must pay before a service technician or contractor comes to your home to repair your home warranty-related problem. The pricing is typically between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket expense that homeowners are subject to with a home warranty except for the policy's premium unless the expense is more than the coverage cap.
When living in a town like Prior Lake, you may be wondering if events like natural disasters will be covered under a home warranty plan. Home warranties generally don't cover damage due to lack of proper maintenance, natural disasters, or intentional breakage.