Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
Find the best home warranty company to protect your home appliances and systems. St Louis Park gives homeowners some beautiful living options. However, unplanned repair and replacement costs on your home's systems and appliances can get quite expensive.
When one of your systems or appliances stops working, a home warranty will help you cover the costs. Getting a home warranty can give homeowners the peace of mind they need to feel less overwhelmed by homeownership. Finding the best home warranty on the market can be quite challenging because there are lots of 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 St Louis Park for you.
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 for St Louis Park residents. Choice has over 15 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. 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. The 2 plans from Choice are easily comprehensible and offer both system and appliance coverage.
Choice Home Warranty offers 2 plans for St Louis Park homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with Choice's plans are around the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For more information on this provider, read our Choice Home Warranty full review.
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 for St Louis Park residents. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage.
The 3 plans from Select Home Warranty 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 major systems and appliances, and service fees are a reasonable $60.
For more information on this provider, read our review of Select Home Warranty. To receive 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 St Louis Park, American Home Shield offers the most customizable home warranty. The 3 plans from AHS are easy to comprehend and offer both system and appliance coverage. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that offer a combination of appliance and system coverage. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the St Louis Park area.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. For more information, read our thorough review of American Home Shield.
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 is the best home warranty with the quickest service in St Louis Park. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC's service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 for each covered appliance or system.
Read our The Home Service Club full review to learn more. To get 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
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 in St Louis Park. Liberty has been in the home warranty industry for over 6 years. With a home warranty from Liberty, you can benefit from 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. Liberty has 3 simple plans, making the selection process easy.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty's plans are around the $3,000 mark for most major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. To read more, visit our Liberty Home Guard full review.
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
In St Louis Park, Cinch Home Services is the home warranty with the best workmanship guarantee. 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. Cinch has 3 plans for you to choose from.
Cinch Home Services offers 3 plans for St Louis Park 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 caps associated with Cinch's plans are close to the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read more by visiting our full 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 | $6,617 |
| Heating | $4,411 |
| Electrical | $662 |
| Toilets | $551 |
| Washer/Dryer | $882 |
| Plumbing | $662 |
| Oven | $1,764 |
| Fridge | $662 |
A home warranty is a protection plan that covers home systems and appliances. When your washer or dryer stops working, and the repair costs several hundred dollars, a home warranty will make sure that your only responsibility is a predetermined service fee. Home warranty companies often don't require an inspection, and you can generally start using it about 30 days after making your first payment.
Filing a claim with your home warranty company is quite easy. You can utilize an online portal system or a direct phone number to request service for a repair or replacement.
At this point, you'll pay a service fee, which is generally 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 by the warranty and it's within the coverage cap, most homeowners will not have to pay any other out-of-pocket costs .
Home warranty plans help protect your home systems and appliances. A home warranty can cover repair and replacement-related costs that are a result of normal wear. Appliances covered under a home warranty plan are the refrigerator, dishwasher, garbage disposal, microwave, dryer, and more. Systems that are covered include heating, air conditioning, plumbing, and electrical systems.
Add-on options can vary by plan but often include things like a second refrigerator, plumbing stoppages, septic system, central vacuum, and sprinkler system.
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 like lack of maintenance, pre-existing conditions, misuse, and cosmetic damages are not included in the home warranty policy.
Since temperatures in St Louis Park 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 stops working suddenly.
A home warranty also saves 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 just send a trusted professional to your door whenever you need them.
One of the main 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 policies and purchase one that covers all the appliances, systems, and add-ons you need.
Another consideration is that home warranties typically only cover malfunctions due to normal wear and tear. They commonly won't cover home systems or appliances that need repairs or replacements due to improper maintenance, animal infestations, natural disasters, etc.
Determining the right company for your home warranty is a step you can take to help protect your house. Here is a list of some tips on looking for a home warranty in St Louis Park:
The top home warranty provider in St Louis Park is Choice Home Warranty. Choice Home Warranty has an expansive network of professional repair technicians and a great reputation in the St Louis Park area.
Home warranty policies cover issues with systems and appliances that need to be repaired or replaced due to normal wear and tear. A homeowner's insurance policy is a different insurance that protects your entire home from natural disasters, which can sometimes be a concern in St Louis Park. It doesn't cover a normal appliance or system breakage.
A home warranty plan can help homebuyers, home sellers, investors, homeowners, and real estate agents. It can offer peace of mind and savings to anyone involved in homeownership.
The kind of home warranty you should look for depends on what's important to you. A cheaper plan may have higher service fees and deductibles, whereas a costlier plan may provide more coverage and have lower service fees. If you have a home that is on the older end and therefore may have older systems, you may want to get a higher-coverage policy. The company's reputation and available plans are the two things to research when selecting a home warranty provider.
Home warranties cover the cost of repairs and replacements if it is within the policy limits of the plan. If the replacement will cost more than the home warranty covers, you will have to pay the rest out of pocket.
A service fee is a cost that a homeowner must pay before a service technician or contractor comes to your home to fix your home warranty-related problem. Prices typically range between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket expense that homeowners have with a home warranty in place apart from the monthly premium/annual cost unless the cost of the repair is greater than the coverage cap.
Typically, coverage for a home warranty begins 30 days on the day the sale closes. However, a few companies may allow you to make a service request before this, so check with customer service to find the exact waiting period for your case.
