Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Homeownership in White Bear comes with lots of positives, but it also comes with its challenges. Your home’s appliances and systems will inevitably need repairs, and this could mean a burdensome expense. A home warranty can offer you the peace of mind you need and guard your savings account from large expenses by covering your home’s major systems and appliances.
Choosing the best home warranty on the market can be difficult because of the many options available. If you're tired of trying to compare them all, keep reading for our guide on the best home warranty providers in White Bear.
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 White Bear residents. Liberty has been in business for around 6 years, making it a highly regarded company in the industry. 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. Liberty has 3 simple plans, making the selection process easy.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps from Liberty are around $3,000. The service fees are an affordable $75, which is less than other providers in the White Bear area.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read more by visiting our review of Liberty Home Guard.
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 White Bear residents. Choice has been in business for around 15 years, making it a highly regarded company in the industry. 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. Choice has 2 simple plans, making the selection process easy.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the White Bear area.
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 is the most cost-effective home warranty for White Bear residents. Select has been in business for around 11 years, making it a highly regarded company in the industry. 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. Select has 3 simple plans, making the selection process easy.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the White Bear area.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read more by visiting 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 is the most customizable home warranty for White Bear residents. AHS has been in business for around 26 years, making it a highly regarded company in the industry. 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. AHS has 3 simple plans, making the selection process easy.
There are 3 home warranty plans from American Home Shield: 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 less than other providers in the White Bear area.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our review of American Home Shield.
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 White Bear residents. Cinch has been in business for around 44 years, making it a highly regarded company in the industry. 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 has 3 simple plans, making the selection process easy.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the White Bear area.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read more by visiting our review of Cinch Home Services.
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 White Bear residents. HSC has been in business for around 15 years, making it a highly regarded company in the industry. 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. HSC has 2 simple plans, making the selection process easy.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the White Bear area.
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 review of The Home Service Club.
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 | $6,579 |
| Heating | $4,386 |
| Electrical | $658 |
| Toilets | $548 |
| Washer/Dryer | $877 |
| Plumbing | $658 |
| Oven | $1,754 |
| Fridge | $658 |
A home warranty is a protection policy that helps White Bear homeowners lower the high costs of household repairs. These plans offer financial protection to repair or replace appliances and systems that break down from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty provides security for homeowners by helping them avoid expensive emergency fixes. They're particularly useful for those who own older homes or ones with outdated systems. More modern builds with working appliances probably don’t need a home warranty.
Home warranties protect your home systems and appliances. Common appliances covered include refrigerators, microwaves, washers, dishwashers, dryers, garbage disposals, and more. Covered systems are typically electrical, air conditioning, plumbing, and heating. Many home warranty companies provide add-on coverage for septic systems, central vacuums, locksmiths, and roof leaks. White Bear homeowners should know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover problems such as natural disasters, pre-existing conditions, cosmetic issues, or misuse of a system or appliance. Make sure to keep up with preventative maintenance to ensure that your next repair or replacement is covered by the policy.
Home warranties use several terms that you'll want to understand before signing a contract, such as:
There are several key factors to consider when selecting a home warranty provider:
Home warranty coverage varies widely in the items that are included. Most plans provide coverage for AC, electrical, heating, plumbing, and appliances. More inclusive options also include protection for other items such as roof leaks, spas, well pumps, and pools. Focus on providers with an expansive array of coverage choices including upgraded plans. This flexibility enables you to customize protection for your home's 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 companies also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty company's reputation can offer insight into things such as contractor quality, speed of repairs, approval rates for claims, and customer satisfaction. Use third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Good ratings and reviews indicate that a company is known for quality service.
Home warranty providers maintain networks of professionals to handle covered repairs. Bigger networks improve the probability of getting qualified technicians to service your home ASAP. Reach out to potential providers and ask how many contractors they have in White Bear to get a sense of how soon your repairs could happen in an emergency.
Some home warranty providers may include perks such as reduced maintenance fees, energy efficiency upgrades, and smart home device coverage. These can provide extra value beyond repair coverage. Extra bonuses allow you to enhance your home and get the most from your warranty policy.
Home warranty plans are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in White Bear hitting an average high of 53℃F, you may find that certain appliances, such as your A.C., get a lot of use. A home warranty can considerably lower out-of-pocket costs should your HVAC system stop working.
Additionally, having a home warranty can save you time by eliminating the need to research service technicians — most companies will send a trusted professional right to your door to do the repair or replacement. A home warranty can also give value in other ways. For example, some policies can be transferred between owners when you sell your home.
One major drawback of a home warranty is not everything may be covered. It’s important to compare the different plans and choose one that covers all the appliances, systems, and add-ons you need.
Another stipulation is that home warranties typically only cover damage from normal wear and tear. They most likely won’t cover systems or appliances that need repairs or replacements due to natural disasters, animal infestations, improper maintenance, etc.
A home warranty in White Bear can cost anywhere from $30 to $60 a month. Higher-priced plans usually have higher coverage limits, a lower service fee, and broader coverage. You can often lower this cost by paying annually instead of monthly. Some providers will also decrease your up-front costs when you agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan covers normal wear and tear to home systems and appliances. Homeowners insurance protects your entire home in a situation such as a natural disaster or fire. Under homeowners insurance, you will not be able to file a claim should you need a new washing machine or dishwasher, unless the damage is a result of a natural disaster, which isn't that common in White Bear.
A home warranty plan can help homeowners, investors, homebuyers, real estate agents, and home sellers. It can offer peace of mind and savings to anyone involved in homeownership.
The different home warranties in White Bear include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers almost all your home systems and appliances, including your washing machine, drier, and heating and cooling systems. An appliance or system plan will cover only the items listed in the plan.
Generally, a home warranty plan offers coverage for a year and can be renewed annually. Some companies may offer month-to-month plans.
Usually the person who owns the home pays for the home warranty. In some cases, however, the person who is selling the home may purchase a home warranty policy and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in White Bear is $608,388, a home warranty can be an added asset when buying a home.
