Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Written By David Cusick
Last Updated June 2024
Being a homeowner in Rosemount is an excellent option for those who love nature and quiet neighborhoods. However, as great as Rosemount is, homeownership always comes with its fair share of headaches, such as trying to take care of your appliance and system repairs yourself. A home warranty plan can help protect homeowners by cutting the costs of major repairs and replacements on your home’s most important appliances and systems.
Finding the right protection for your home can be difficult, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in Rosemount. Read on for our home warranty recommendations.
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 Rosemount, Liberty Home Guard is the most trustworthy home warranty. Liberty has been in business for more than 6 years, making it a well-regarded company in the industry. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry. The home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage.
Liberty Home Guard offers 3 plans for Rosemount 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 cheaper than other providers in the Rosemount area.
To read more, visit our detailed review of Liberty Home Guard. To get 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 Rosemount, Choice Home Warranty is the best overall home warranty. Choice has been in business for more than 15 years, making it a well-regarded company in the industry. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty company offers 2 plans to policyholders, which have various options for appliance and system coverage.
Choice Home Warranty offers 2 plans for Rosemount 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 cheaper than other providers in the Rosemount area.
To read more, visit our detailed review of Choice Home Warranty. To get 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 Rosemount, Select Home Warranty is the most cost-effective home warranty. Select has been in business for more than 11 years, making it a well-regarded company in the industry. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage.
Select Home Warranty offers 3 plans for Rosemount 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 cheaper than other providers in the Rosemount area.
To read more, visit our detailed review of Select Home Warranty. To get 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 Rosemount, American Home Shield is the most customizable home warranty. AHS has been in business for more than 26 years, making it a well-regarded company in the industry. 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. The home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage.
American Home Shield offers 3 plans for Rosemount 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 cheaper than other providers in the Rosemount area.
To read more, visit our detailed review of American Home Shield. To get 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 Rosemount, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has been in business for more than 44 years, making it a well-regarded company in the industry. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. The home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage.
Cinch Home Services offers 3 plans for Rosemount 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 cheaper than other providers in the Rosemount area.
To read more, visit our detailed review of Cinch Home Services. To get 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 Rosemount, The Home Service Club is the best home warranty with the quickest service. HSC has been in business for more than 15 years, making it a well-regarded company in the industry. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, 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, which have various options for appliance and system coverage.
The Home Service Club offers 2 plans for Rosemount 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 cheaper than other providers in the Rosemount area.
To read more, visit our detailed 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
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 | $6,452 |
| Heating | $4,301 |
| Electrical | $645 |
| Toilets | $538 |
| Washer/Dryer | $860 |
| Plumbing | $645 |
| Oven | $1,720 |
| Fridge | $645 |
A home warranty is a protection policy that helps lower expenses for Rosemount homeowners needing appliance and system repairs. These plans provide coverage to fix or swap out appliances and systems that break due to normal wear and tear. Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty plan gives homeowners a sense of security because it can help avoid costly emergency repairs. They can be especially helpful for buyers of 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 your home's systems and appliances. Common covered appliances are refrigerators, microwaves, dryers, washers, dishwashers, garbage disposals, and more. Covered systems include air conditioning, plumbing, electrical, and heating. Various home warranty plans offer add-on coverage for septic systems, roof leaks, central vacuums, and even locksmiths. Most home warranty plans require Rosemount homeowners to wait 30 days before the plan will cover repairs. Additionally, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover natural disasters, pre-existing conditions, cosmetic issues, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Before signing a home warranty contract, you should know 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 include protection for plumbing, electrical, AC, heating, and appliances. More comprehensive options may also provide protection for other things such as spas, well pumps, pools, and roof leaks. Focus on providers with wide-ranging coverage selections including upgraded plans. This flexibility enables you to customize protection for your 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 provider with lower service fees to maximize savings on every claim. Some providers also remove deductibles for homeowners who don't file claims in a certain period.
A home warranty provider's reputation provides insights into factors such as repair speed, claim approval rates, contractor expertise, and customer satisfaction. Check review sites like the Better Business Bureau (BBB), Google Reviews, or TrustPilot to learn more about companies. Good reviews and ratings suggest a company known for quality service.
Home warranty providers have networks of contractors that they use to tackle covered repairs. Wider networks increase the probability of getting qualified contractors to your home promptly. Contact possible providers to ask how many repair professionals they have in Rosemount to understand how long repairs may take in an urgent situation.
Some home warranty companies provide extras such as smart home device protection, energy efficiency upgrades, and maintenance discounts. These add value beyond repair coverage. Extra bonuses maximize the usefulness of the home warranty.
Since temperatures in Rosemount can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Buying a home warranty plan can help homeowners save money if one of these systems or appliances breaks suddenly.
A home warranty also can also save you time and energy. Instead of spending hours researching and selecting a repair person to fix your appliance or system, home warranty companies do the hard work for you and send a trusted professional to your door whenever you need them. Another benefit of having a home warranty is if you want to sell your home, you can most likely transfer your home warranty to the new owners. It can make your home more attractive to potential homebuyers and help your home sell faster.
There are also some downsides to buying a home warranty plan, like the coverage exclusions. For instance, home warranties may not cover home systems or appliances that are already covered by a manufacturer's warranty.
Another thing to take into consideration is that some providers don’t cover pre-existing problems and may require an inspection before coverage begins. Ask the home warranty provider for clarification about these things if you need more information or if this is a problem for you.
A home warranty plan costs, on average, around $300 to $600 a year in Rosemount. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. In addition, it's usually less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranties cover problems with home 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 insurance that protects the entire home from natural disasters, which can sometimes be a concern in Rosemount. It doesn't cover a normal appliance or system breakage.
A home warranty can help investors, homebuyers, home sellers, real estate agents, and homeowners. It can provide peace of mind and savings to anyone involved in homeownership.
The different home warranties in Rosemount include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your home systems and appliances, such as your dishwasher, washing machine, and HVAC. An appliance or system plan will cover only the specific items mentioned in the policy.
Generally, a home warranty offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month plans.
In general, the homeowner is the one who is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who has to pay the service fees. In Rosemount, where the median home value is $414,333, having the seller pay for the home warranty can be a good asset for your new home.
