Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Homeownership in Waite Park comes with many benefits, but it also comes with its difficulties. Your home’s appliances and systems will inevitably need repairs, and this could mean a huge expense. A home warranty can offer you the peace of mind you need and safeguard your savings account from large expenses by covering your home’s major appliances and systems.
Finding the best home warranty on the market can be time-consuming, since there are dozens of companies to choose from. That’s why our team at Today's Homeowner did the research and compiled a list of the top home warranty companies in Waite Park for you.
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
Liberty Home Guard is the most trustworthy home warranty for Waite Park residents. 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. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also 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 both system and appliance coverage.
Liberty Home Guard has 3 plans that offer a combination of appliance and system coverage. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is lower than other providers in the Waite Park area.
To read more, visit our full 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
Choice Home Warranty is the best overall home warranty for Waite Park residents. Choice is a home warranty provider with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also 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 has 2 plans that offer a combination of appliance and system coverage. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is lower than other providers in the Waite Park area.
To read more, visit our full 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
Select Home Warranty is the most cost-effective home warranty for Waite Park residents. Select is a home warranty provider with 11 years of experience in the industry, and it has established itself as one of the best providers in the business. 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 are easily comprehensible and offer both system and appliance coverage.
Select Home Warranty has 3 plans that offer a combination of appliance and system coverage. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is lower than other providers in the Waite Park area.
To read more, visit our full 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
American Home Shield is the most customizable home warranty for Waite Park residents. AHS is a home warranty provider with 26 years of experience in the industry, and it has established itself as one of the best providers in the business. 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 both system and appliance coverage.
American Home Shield has 3 plans that offer a combination of appliance and system coverage. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Waite Park area.
To read more, visit our full 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
Cinch Home Services is the home warranty with the best workmanship guarantee for Waite Park residents. Cinch is a home warranty provider with 44 years of experience in the industry, and it has established itself as 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 both system and appliance coverage.
Cinch Home Services has 3 plans that offer a combination of appliance and system 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 Waite Park area.
To read more, visit our full 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
The Home Service Club is the best home warranty with the quickest service for Waite Park residents. HSC is a home warranty provider with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It 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 Home Service Club has 2 plans that offer a combination of appliance and system coverage. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Waite Park area.
To read more, visit our full 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 | $5,970 |
| Heating | $3,980 |
| Electrical | $597 |
| Toilets | $498 |
| Washer/Dryer | $796 |
| Plumbing | $597 |
| Oven | $1,592 |
| Fridge | $597 |
A home warranty is a protection policy that helps Waite Park homeowners in reducing the costs of appliance and system repairs. The plans offer coverage to swap out or fix appliances and systems that break down due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners peace of mind, as it helps avoid high-priced emergency repairs. The coverage is particularly helpful for owners of older houses or houses with systems near the end of their life span. However, homeowners with newer homes and working appliances might not need a home warranty.
Home warranties cover your home systems and appliances. Warranties usually cover appliances such as dryers, dishwashers, garbage disposals, washers, refrigerators, microwaves, and others. Covered systems include heating, electrical, plumbing, and air conditioning. Many home warranty providers also offer add-on coverage for septic systems, locksmiths, roof leaks, and central vacuums. Waite Park homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. Additionally, most policies only help pay for repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. Make sure to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Here are some essential home warranty words to know before signing a contract:
When choosing a home warranty provider, there are several important factors to consider:
Home warranty coverage can have major differences in what's included. Most plans cover heating, plumbing, electrical, AC, and appliances. More inclusive options also include protection for other items such as spas, roof leaks, well pumps, and pools. Look for companies with flexible coverage choices, including upgraded plans. This helps you tailor protection to your needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using providers with lower service fees to maximize savings. Some providers also offer disappearing deductibles after periods where a customer files no claims.
A home warranty provider's reputation provides insights into factors such as contractor expertise, claim approval rates, repair speed, and customer satisfaction. Read through review sites like the Better Business Bureau (BBB), Google Reviews, or TrustPilot to learn more about providers. Positive ratings and feedback suggest a company known for delivering quality service.
Home warranty providers use networks of local repair professionals to manage repairs in a given area. Contact potential businesses to learn the number of repair specialists they have in Waite Park and get an idea of how quickly your repairs could be handled in an emergency. More extensive networks increase the likelihood of getting qualified contractors to quickly service your home.
Some home warranty plans include extras such as energy efficiency upgrades, maintenance discounts, and smart home device protection. These add value beyond just repair coverage. Added bonuses can maximize the usefulness of your home warranty.
Temperatures in Waite Park can drop to the negatives in the winter, which means your heating system is most likely going to get a lot of use. As a homeowner in Waite Park, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
A home warranty also saves you time and energy. Instead of spending hours researching and choosing a contractor 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. This can make your home more attractive to potential homebuyers and may help your house sell faster.
There are also some negatives to purchasing a home warranty policy, such as the coverage exclusions. For example, home warranties may not cover home systems or appliances that are already covered under 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 company for clarification about this if you aren’t sure or if this is an issue for you.
A home warranty in Waite Park can cost anywhere from $30 to $60 a month. Higher-priced plans typically have broader coverage, higher coverage limits, and a lower service fee. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also reduce your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty policies cover problems related to systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different plan that protects an entire home from natural disasters, which can sometimes be a concern in Waite Park. It doesn't cover a normal appliance or system breakage.
Homebuyers, landlords, real estate agents, home sellers, and homeowners are all eligible for home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
A home warranty plan can cover your home’s systems, appliances, or both. Combination plans are great if you'd like more coverage for your home, but a system- or appliance-only plan can be useful if you want to save some money.
Generally, a home warranty offers coverage for a year and can be renewed yearly. Some companies may offer month-to-month options.
Generally, the homeowner 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 Waite Park, where the median home value is $233,655, having the seller pay for the home warranty can be a good asset for your new home.
