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 home. As much as you may love homeownership in White Bear Lake, there is always that fear about whether your systems and appliances are going to need to be replaced over the next few years.
A home warranty can offer you the peace of mind you need about your home and shield your savings account from large expenses by covering your home's major systems and appliances. Because the home warranty market is filled with a variety of providers — all with different offerings — our team at Today's Homeowner decided to do the research for you to help you find the right home warranty in White Bear Lake.
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 White Bear Lake residents. Choice has been in the home warranty industry for about 15 years. Choice has 2 simple plans, making the selection process and policy coverage easily understandable. When you buy a home warranty from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are an affordable $85.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read more by visiting 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 offers the most cost-effective home warranty for White Bear Lake residents. Select has over 11 years of experience in the home warranty market and in that time has built a an network of service technicians nationwide. 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 that Select offers include differing levels of system and appliance coverage, as well as add-on options.
Select Home Warranty offers 3 plans for White Bear Lake homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with Select's plans are around the $2,000 mark for many of the major systems and appliances, and service fees are a reasonable $60.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For more information, read our review of Select Home Warranty.
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 offers the most customizable home warranty for White Bear Lake residents. AHS has around 26 years of experience in the industry and in that time has built a impressive network of service professionals nationwide. AHS has 3 plans for homeowners to choose from. 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.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps 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 White Bear Lake area.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. To read more, visit 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 White Bear Lake, The Home Service Club offers the best home warranty with the quickest service. HSC has around 15 years of industry experience and in that time has built a an expansive network of service professionals in the country. HSC has 2 simple plans, making the selection process quick and easy. 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 plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC's plans are around the $2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read more by visiting our The Home Service Club full review.
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 White Bear Lake residents. 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 home warranty provider offers 3 plans to policyholders with various system and appliance coverage options.
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 many of the major systems and appliances, and service fees are an affordable $75.
Read more by visiting our review of Liberty Home Guard. 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 White Bear Lake, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has 3 simple plans, making the selection process quick and easy. 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.
Cinch Home Services has 3 plans that offer a combination of system and appliance coverage. The coverage caps associated with Cinch's plans are around the $1,000-$2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To read more, visit our Cinch Home Services full review. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505.
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 | $6,387 |
| Heating | $4,258 |
| Electrical | $639 |
| Toilets | $532 |
| Washer/Dryer | $852 |
| Plumbing | $639 |
| Oven | $1,703 |
| Fridge | $639 |
A home warranty is a protection plan for home systems and appliances. When your refrigerator breaks down, and the repair will cost several hundred dollars, a home warranty will ensure that your only cost is a predetermined service fee. Home warranty companies usually don't require an inspection, and you can generally start using it about 30 days after making your first payment.
For White Bear Lake homeowners, it is very straightforward to file a claim when a problem comes up with a covered appliance or system. Most home warranty companies have an online portal system where a claim can be submitted.
Once you file the claim, it will be assigned to a local technician that will come to your home and repair the problem. At this point, you pay your service fee. Service fees generally range in price from about $60 to $150 and this is the only out-of-pocket cost you will have to pay unless the repair cost is higher than your home warranty's coverage cap.
Home warranties help protect your home systems and appliances. A home warranty can cover repair and replacement-related expenses that are due to normal wear. Common appliances covered under a home warranty include a dryer, washer, garbage disposal, refrigerator, microwave, dishwasher, and more. The systems that are usually covered will be heating, air conditioning, plumbing, and electrical systems.
Add-on coverage options can vary by plan but typically include things like a second refrigerator, plumbing stoppages, central vacuum, sprinkler system, and septic system.
A home warranty will only cover repairs and replacements due to normal wear and tear. If you are experiencing cosmetic issues with appliances or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, natural disasters, intentional breakages, and pre-existing conditions are not covered with a home warranty.
Temperatures in White Bear Lake can drop to the negatives in the winter, which means your heating system is likely to get a decent amount of use. As a homeowner in White Bear Lake, one benefit of having a home warranty is that these home systems and major appliances can be covered if they have to be repaired or replaced.
Additionally, having a White Bear Lake home warranty can help make your house more appealing to potential homebuyers if you ever decide to sell later. Many home warranty providers will allow you to transfer your plan to a new owner and give them the protection you've been receiving.
Home warranties also have some drawbacks. While it can give you less to worry about since the home warranty sends out a repair person who does the repair for you, some may not like this, and they may want to choose their own contractor. If that's important to you, some home warranty plans let you choose a contractor.
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 impacted systems and appliances most likely won't be covered by the home warranty.
After reviewing home warranties in White Bear Lake, your next step is to determine which company you'd like to get a free quote from. When trying to figure out which home warranty provider is the best one for you, here are some important factors to keep in mind:
Our pick for the best overall home warranty provider in White Bear Lake is Choice Home Warranty, but the perfect company for you will depend on factors such as what appliances and systems you need coverage for.
A home warranty policy will cover either your home systems and appliances, 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 want to save some money.
A home warranty can protect you from high-cost repair bills, but only if you purchase a quality plan from a reputable company. When deciding which home warranty company to go with, you should look for things like its customer service and availability in your area. In addition, you should look at the kind of coverage the company offers and what kinds of appliances and systems are covered. Homes that have appliances and systems on the older end may need a policy with more coverage.
The service fee is the price you pay each time there's a problem with a home system or appliance and you file a claim with your home warranty. Service fees are usually between $60 and $150.
A home warranty can cost on average about $300 to $800 a year in White Bear Lake. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by opting for a higher service fee. Additionally, 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 you're really getting for the price.
Home warranties usually don't cover problems that result because of natural disasters, lack of proper maintenance, pre-existing conditions, or intentional breaking of an appliance. They only cover damage from normal wear and tear. Even though it doesn't cover everything, a home warranty can still be beneficial for helping you save some money in a town like White Bear Lake.
