Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated May 2023
Are you considering getting a home warranty? Go with one of our top home warranty companies. St Paul is a great place to own a home. However, along with all the positives of homeownership, there are often a few downsides, too. One of the biggest challenges for many homeowners is that systems and appliances can break down at any time.
A home warranty can help protect homeowners by covering major repairs and replacements on your home's appliances and systems. Since the home warranty market is filled with many providers — all with different plans — our team at Today's Homeowner did the research for you to help you find the right home warranty in St Paul.
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 St Paul, Choice Home Warranty is the best overall home warranty. Choice has been in the home warranty industry for over 15 years. If you're looking for very high coverage caps and simple-to-understand service contracts, this is the provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 home warranty plans that Choice offers include options for appliance and system coverage.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000 at the maximum.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. To read more, visit our review of Choice Home Warranty.
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 is the most cost-effective home warranty for St Paul residents. Select is a home warranty provider with 11 years of experience in the industry, and it has proved to be one of the best providers in the business. The 3 plans from Select are easily comprehensible and offer a mix of both system and appliance coverage. 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 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 some plans may have different coverage caps, so be sure to check with the company. Service fees are a reasonable $60.
Read more by visiting our Select Home Warranty Review. To receive a free quote from Select Home Warranty, you can 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
American Home Shield is the most customizable home warranty for St Paul residents. AHS has been in the home warranty business for about 26 years. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easily comprehensible and offer a mix of both system and appliance coverage.
American Home Shield offers 3 plans for St Paul 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 around $2,500 at the maximum.
For more information on this provider, read our review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839.
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 Paul. The 2 plans from HSC are easily comprehensible and have a mix of both system and appliance coverage. 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, HSC is the perfect 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 has 2 plans that provide a mix of system and appliance coverage. HSC's service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 for each covered system or appliance.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For more information, read our 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 St Paul, Liberty Home Guard offers the most trustworthy home warranty. Liberty is a home warranty provider with 6 years of experience in the industry, and it has established itself as one of the best providers in the business. 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 are easily comprehensible and offer a mix of both system and appliance coverage.
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 major systems and appliances, and service fees are an affordable $75.
To read more, visit our Liberty Home Guard full review. 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
In St Paul, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch is a home warranty company with 44 years of experience in the industry, and it has proved to be one of the best providers in the business. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easily comprehensible and offer a mix of both system and appliance coverage.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are 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. Read more by visiting our Cinch Home Services 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 | $6,369 |
| Heating | $4,246 |
| Electrical | $637 |
| Toilets | $531 |
| Washer/Dryer | $849 |
| Plumbing | $637 |
| Oven | $1,699 |
| Fridge | $637 |
A home warranty is a service contract that makes it more affordable when one of your home systems or appliances breaks down. A home warranty can help homeowners who need to stick to their budget and don't want to dip into their savings to pay for large repair or replacement expenses. Typically, about 30 days after a home warranty plan is paid for, the coverage will start on your home systems and appliances.
For St Paul homeowners, it is very easy to file a claim when an issue happens with a covered appliance or system. Most home warranty companies have an online portal system where a claim can be submitted.
After that, you will pay the service fee. Service fees for home warranty customers range in price from $60 to $150. Most home warranties also have a coverage limit, which is the maximum cost per appliance that the home warranty company will cover for repairs and replacements.
A home warranty will cover systems and appliances that have stopped working from normal wear and tear. For instance, if your washing machine suddenly needs repairs under normal use conditions, your home warranty provider can help. The appliances commonly covered under a home warranty plan are the refrigerator, dishwasher, microwave, oven, washing machine, dryer, and more. System coverage typically includes plumbing, air conditioning, electrical systems, heating, and more.
The add-on coverage options can include spa, pool, roof leak, septic system, and sometimes even things like locksmith or pest control.
A home warranty will only cover 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 St Paul can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Having a home warranty can help homeowners save money if one of these systems or appliances stops working unexpectedly.
Another added benefit of having a home warranty policy is that it can increase your home's real estate value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you have your home warranty with.
As for the drawbacks of home warranties, system and appliance coverage varies by provider, so it's important to understand what each plan covers and doesn't include in the contract.
Another downside is that home warranties may not include some repairs, like those due to natural disasters. For example, if your HVAC system is damaged from an animal infestation, the impacted systems and appliances probably won't be covered by the home warranty.
After researching home warranties in St Paul, the next step is to decide which company you're interested in receiving a free quote from. Here is a list of some factors to consider when purchasing a home warranty in St Paul:
Our pick for the best overall home warranty provider in St Paul is Choice Home Warranty, but the perfect company for you will vary based on factors like what appliances and systems you need coverage for.
A home warranty is a service contract that covers the repairs and replacements of major home system components and appliances.
The type of home warranty you should look for depends on what your priorities are. A cheaper plan may have higher service fees and deductibles, while a more expensive plan may have lower deductibles and provide more coverage. 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 main two things to research when picking a home warranty company.
Many homeowners find a home warranty is worth the money because it can help protect against unforeseen expenses, and saving money is important with the cost of living going up a lot in St Paul. If you're worried about your finances and home maintenance, having a home warranty can help. One of the major pluses of a home warranty is that it can offer you some financial peace of mind.
Most home warranty plans cover replacement costs in addition to repair costs. How much the coverage cap is varies from one plan to the next. Your home warranty will give you some money towards a replacement but don't expect to have the entire replacement paid for.
Typically, coverage for a home warranty policy begins 30 days on the day the sale closes. However, a few providers may let you make a service request before this, so check with customer service to find the exact waiting period for your situation.
