Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated May 2023
Find the best home warranty provider for your needs. As much as you may love owning a home in Shakopee, there is always that fear about whether your systems and appliances are going to make it through the next few years.
A home warranty is a way to protect your savings from unexpected large expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind. Finding the right home protection plan for your Shakopee home can be hard, so our team at Today's Homeowner did the research to help you find the top home warranty in Shakopee 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 offers the best overall home warranty for Shakopee residents. Choice has been in the home warranty business for around 15 years. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage. If you're looking for very high coverage caps and simple-to-understand service contracts, you'll want to have this plan on your side. Plus, it 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.
For a more detailed breakdown, read our Choice Home Warranty full review. To receive 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
Select Home Warranty offers the most cost-effective home warranty in Shakopee. Select has more than 11 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. 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 3 plans from Select are easy to understand and offer a mix of both system and appliance coverage.
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 with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are a reasonable $60.
Read our full review of Select Home Warranty to learn more. 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 for Shakopee residents. AHS has been in business for around 26 years, making it a highly regarded company in the industry. AHS offers 3 plans for you to decide between. 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 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 with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, you can fill out this online form or call 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
In Shakopee, The Home Service Club offers the best home warranty with the quickest service. When you buy a policy 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 HSC are easily comprehensible and offer both system and appliance coverage.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC's plans are close to the $2,000 mark for most major systems and appliances, and service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read our review of The Home Service Club to learn more.
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 Shakopee residents. Liberty has over 6 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. The 3 plans that Liberty offers include options for appliance and system coverage. 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.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty's plans are close to the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $75.
Read our Liberty Home Guard Review 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
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 Shakopee residents. 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. Cinch has 3 simple plans, making the selection process easy.
Cinch Home Services offers 3 plans for Shakopee homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have 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 lower than other providers in the Shakopee area.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For a more detailed breakdown, read our Cinch Home Services full review.
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 | $6,423 |
| Heating | $4,282 |
| Electrical | $642 |
| Toilets | $535 |
| Washer/Dryer | $856 |
| Plumbing | $642 |
| Oven | $1,713 |
| Fridge | $642 |
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 Shakopee home comfortable and convenient. When these things start to break down, it can be costly and a pain. Fortunately, with a home warranty plan, an affordable repair is just a phone call away.
Filing a claim with your home warranty company is easy. There will be an online portal system or a direct phone number to request service for a repair or replacement.
At this point, you will pay your service fee. Service fees for home warranties range from $60 to $150. Most home warranties also have a coverage cap, which is the maximum amount per year that the home warranty company will cover for repairs and replacements.
A home warranty offers coverage on your home's major appliances and systems and it can help cut back on your home maintenance expenses. The appliances include a clothes washer, refrigerator, clothes dryer, cooktop, stove, dishwasher, microwave, and more. The systems included are the electrical, plumbing, air conditioning, heating, and others.
The add-on coverages can include roof leak, pool, spa, septic system, and sometimes even things like locksmith or pest control.
A home warranty will only cover repairs and replacements due to normal wear and tear. If you don't take care of your appliances or systems and follow preventative maintenance guidelines, your home warranty will not cover it. Also, a home warranty does not cover lack of maintenance, misuse, pre-existing conditions, and cosmetic damages.
Since temperatures in Shakopee can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Getting a home warranty can help homeowners save money if one of these systems or appliances stops working all of a sudden.
Another benefit of having a home warranty is while selling your home, you can most likely transfer your home warranty plan to the new owners. It can make your house more attractive to potential homebuyers and help your house sell faster.
As for the disadvantages of home warranties, coverage varies by provider, so it's important to read what each plan covers and excludes in the contract.
Another drawback is that home warranties may exclude some repairs, such as those needed because of natural disasters. For example, if your HVAC system is damaged from an animal infestation, the affected systems and appliances probably won't be covered by the home warranty.
The first step in protecting your real estate investment with a home warranty is determining which company's plan is the best for you. Figure out which items in your home you'd like coverage for and compare the policies. When trying to figure out which home warranty provider is the best one for you, here are some important factors to bear in mind:
The best home warranty provider in Shakopee is Choice Home Warranty. Choice Home Warranty has an expansive network of professional service technicians and a respected reputation in the Shakopee area.
Homebuyers, homeowners, real estate agents, home sellers, and landlords can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
A home warranty policy can cover either your home's appliances and systems, or both. Combination plans are great if you need more coverage for your home, but a systems or appliance plan can be useful too if you're concerned about one more than the other.
Generally a home warranty offers coverage for a year and you can renew it yearly. In Shakopee where many rely on heaters to warm their homes in the brisk winters, renewing your policy could help mitigate large expenses if your HVAC system needs repairs.
Most home warranty plans will cover replacement costs as well as repair costs. How much the coverage cap is varies from one plan to the next. Home warranties will give you some money towards a replacement but the entire replacement may not be paid for.
A home warranty policy can cost on average around $300 to $800 a year in Shakopee. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. In addition, it's often less expensive to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, choosing the annual plan over monthly payments saves you $80. It's important to compare plans to determine what the best price is.
A home warranty policy will cover repair and replacement costs for home systems and appliances. Home warranties will not cover the intentional breaking of an appliance or pre-existing conditions.
