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 company for your needs. Many people in West St Paul have made their dream of owning a home into a reality. However, as great as West St Paul can be, there are always added responsibilities that come with owning a home, like keeping your home's systems and appliances maintained.
When one of your systems or appliances breaks down, a home warranty will help you cover the costs. Having a home warranty in place can give homeowners the peace of mind they need to feel less overwhelmed by homeownership. Because the home warranty market is saturated with many providers — all with different plans — the Today's Homeowner team decided to do the research for you to help you find the right home warranty in West 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
Choice Home Warranty is the best overall home warranty for West St Paul residents. 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 2 plans from Choice are easily comprehensible and offer a mix of 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 around $3,000. The service fees are an affordable $85, which is less than other providers in the West St Paul area.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read our Choice Home Warranty full review to learn more.
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 West St Paul, Select Home Warranty offers the most cost-effective home warranty. Select has over 11 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. The 3 home warranty plans that Select offers include options for appliance and system coverage. When you purchase a home warranty from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty 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. The coverage caps associated with Select's plans are around the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
Read more by visiting 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 West St Paul, American Home Shield is the most customizable home warranty. 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 provider offers 3 plans to policyholders with various options for appliance and system coverage.
American Home Shield has 3 plans that provide a mix of appliance and system coverage. AHS has coverage caps of around $2,500 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 $125.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For more information, read our 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
In West St Paul, The Home Service Club offers the best home warranty with the quickest service. When you purchase a plan 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 home warranty provider offers 2 plans to policyholders with 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 per covered appliance or system.
For more information on this provider, read 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
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 is the most trustworthy home warranty for West St Paul residents. Liberty has more than 6 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. Liberty has 3 simple plans, making the selection process quick and easy. When you buy a home warranty from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for West St Paul homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are an affordable $75.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 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
Cinch Home Services is the home warranty with the best workmanship guarantee for West St Paul residents. Cinch offers 3 plans for homeowners to choose from. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for West St Paul 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. 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 provider. 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 detailed 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 | $6,203 |
| Heating | $4,136 |
| Electrical | $620 |
| Toilets | $517 |
| Washer/Dryer | $827 |
| Plumbing | $620 |
| Oven | $1,654 |
| Fridge | $620 |
A home warranty is a protection plan that covers home systems and appliances. When your washer or dryer stops working, and the repair will cost several hundred dollars, a home warranty will ensure that you only have to pay a predetermined service fee. Home warranty companies usually don't require an inspection, and you can generally start using it about 30 days after purchasing the policy.
When you have an issue with one of your appliances or systems, you can submit a claim with your home warranty provider. Then, a customer service representative will reach out to you about a contractor coming over to look at the issue.
At this point, you'll pay a service fee, which is usually 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. As long as 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 apart from the service fee.
A home warranty plan offers coverage on your home's major appliances and systems and it can help bring down how much you spend on maintaining your home. The appliances a home warranty typically covers include a cooktop, stove, clothes washer, refrigerator, clothes dryer, microwave, dishwasher, and more. The systems included are the air conditioning, electrical, plumbing, heating, and others.
Add-on coverage will vary from plan to plan, but you can expect to see things such as electronics, sump pumps, spas, central vacuums, roof leaks, and pools.
An important thing to consider is that home warranties only protect against normal wear and tear on your home systems and appliances. Things such as lack of maintenance, pre-existing conditions, cosmetic damages, and misuse are excluded from the home warranty policy.
Since temperatures in West St Paul can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Purchasing a home warranty plan can help homeowners save money if one of these systems or appliances breaks suddenly.
As well as saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the hassle of trying to find a qualified contractor to visit your home. Home warranties usually come with a network of pre-vetted technicians who can handle any repair issues you may experience.
Home warranties also have some drawbacks. While it can give you less to worry about since the home warranty sends out a service technician who carries out the repair for you, some may not like this, and they would prefer to choose their own contractor. If that's the case for you, some home warranty providers allow you to choose a contractor.
Another stipulation is that home warranties usually only cover damage from normal wear and tear. They often won't cover home systems or appliances that have stopped working due to animal infestations, natural disasters, improper maintenance, etc.
Deciding on the right home warranty in West St Paul for you and your family depends on the type of coverage you're looking for, the home warranty provider you opt for, and where you live, among other factors. Policies can vary, so consider the following factors when deciding on a home warranty plan:
The best overall home warranty company in West St Paul is Choice Home Warranty, but the best company for you will depend on factors like what appliances and systems you need coverage for.
A home warranty is a service contract designed to give homeowners extra coverage for their household systems and appliances. These include refrigerators, dryers, washing machines, dishwashers, garbage disposals, electrical systems, plumbing, heating and cooling systems, sump pumps, and water heaters, among others. Some companies also offer coverage for roofs, garage door openers, pools, and ceiling fans. A home warranty can help you save money if these appliances and systems fail unexpectedly.
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 larger plan that protects the entire home from natural disasters, which can sometimes be a concern in West St Paul. It doesn't cover a typical appliance or system breakage.
A home warranty can help real estate agents, homeowners, homebuyers, investors, and home sellers. It can offer peace of mind to anyone involved in homeownership.
Homeownership can be pricey, especially in a place in West St Paul where the cost of living is quite high. When a system or appliance breaks down, it can leave homeowners unexpectedly having to come up with the money to fix it. With a home warranty plan, you won't have any costly hits to your bank account for home maintenance.
The service fee is the price you pay every time there's a problem with a home system or appliance and you file a claim with your home warranty. Service fees are commonly between $60 and $150.
Typically, coverage for a home warranty policy begins 30 days after the payment receipt. However, a few companies may let you file a claim before this, so verify with customer service to find the exact waiting period for your situation.
