Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Although homeownership in Bismarck has a great number of benefits — such as the convenience of city life — there are also downsides. One major issue many homeowners have to deal with at some point is updating or repairing their home systems and appliances. A home warranty is a way to protect your savings from unexpected expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
Finding the right protection for your home can be time-consuming, so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Bismarck. Read on for our top provider recommendations.
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
In Bismarck, Liberty Home Guard offers the most trustworthy home warranty. 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 policies that Liberty offers include options for appliance and system coverage.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage limits come out to about $3,000 for each covered system or appliance.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For more information, read our comprehensive 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
In Bismarck, Choice Home Warranty offers the best overall home warranty. 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 policies that Choice offers include options for appliance and system coverage.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage limits come out to about $3,000 for each covered system or appliance.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For more information, read our comprehensive 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
In Bismarck, Select Home Warranty offers the most cost-effective home warranty. 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 policies that Select offers include options for appliance and system coverage.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage limits come out to about $2,000 for each covered system or appliance.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For more information, read our comprehensive 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
In Bismarck, American Home Shield offers the most customizable home warranty. 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 policies that AHS offers include options for appliance and system coverage.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 for each covered system or appliance.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For more information, read our comprehensive 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
In Bismarck, Cinch Home Services offers the home warranty with the best workmanship guarantee. 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 policies that Cinch offers include options for appliance and system coverage.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to about $1,000-$2,000 for each covered system or appliance.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For more information, read our comprehensive 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
In Bismarck, The Home Service Club offers the best home warranty with the quickest service. 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 policies that HSC offers include options for appliance and system coverage.
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 limits come out to about $2,000 for each covered system or appliance.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For more information, read our comprehensive 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 | $5,997 |
| Heating | $3,998 |
| Electrical | $600 |
| Toilets | $500 |
| Washer/Dryer | $800 |
| Plumbing | $600 |
| Oven | $1,599 |
| Fridge | $600 |
A home warranty is a protection policy that assists Bismarck homeowners in lowering the expenses of appliance and system repairs. The plans provide financial coverage to swap out or repair appliances and systems that stop working due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty company then finds a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives homeowners reassurance, as it helps avoid expensive emergency repairs. The coverage is particularly helpful for owners of older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and functioning appliances may not require a home warranty.
Home warranties cover your household systems and appliances. Warranties usually cover appliances such as washers, dishwashers, microwaves, dryers, garbage disposals, refrigerators, and others. Covered systems include air conditioning, electrical, heating, and plumbing. Many home warranty companies also offer additional coverage for roof leaks, locksmiths, central vacuums, and septic systems. It's important for Bismarck homeowners to know that most home warranty policies have a 30-day waiting period before they can be used to cover repairs. Additionally, most policies only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover things like pre-existing conditions, cosmetic issues, natural disasters, or improper use of a system or appliance. Make sure to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by the policy.
Home warranties use several terms that you'll want to know before signing a contract, such as:
There are several important considerations when choosing a home warranty provider:
Home warranties vary widely in terms of included coverage. Basic policies typically cover electrical, plumbing, heating, AC, and appliances, while more comprehensive plans may also cover pools, spas, roof leaks, and well pumps. Focus on providers with an expansive array of coverage choices including upgraded plans. This flexibility enables you to customize protection for your needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using companies 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 gives insight into things such as contractor quality, repair timeliness, approval rates, and customer satisfaction. Use review platforms such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research companies. Positive ratings and feedback indicate a provider known for great service.
Home warranty businesses keep networks of local contractors to handle repairs in your area. Reach out to potential providers to learn how many repair contractors they have in Bismarck and get an idea for how quickly your repairs might happen in an emergency situation. Wider networks improve the chances of getting qualified contractors to swiftly service your home.
Certain home warranty companies include perks such as energy-efficient upgrades, protection for smart home devices, and discounts on maintenance. These bonuses can offer extra value beyond repair coverage. Added perks help improve your home and maximize your home warranty.
Temperatures in Bismarck can drop to the negatives in the winter, which means your heating system is most likely going to get a decent amount of use. As a homeowner in Bismarck, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered if they have to be repaired or replaced.
As well as saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the pain 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 problems you may experience. Another good thing about having a home warranty is when you’re selling 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 home sell faster.
One disadvantage of buying a home warranty is that there are generally exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may be excluded from the home warranty, so it’s important to read over the contracts you’re considering thoroughly to get a sense of what is included and what isn’t.
Another downside is that home warranties may not include some repairs, like those needed because of natural disasters. For example, if your house floods, the affected systems and appliances most likely won’t be covered by the home warranty.
A home warranty plan costs, on average, about $300 to $600 a year in Bismarck. Our top-rated home warranty companies' 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. In addition, it's typically cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty plans cover problems with home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of plan that protects an entire home from natural disasters, which can sometimes be a concern in Bismarck. It doesn't cover a typical appliance or system breakage.
First-time homebuyers, real estate agents, homeowners, landlords, and home sellers can all get 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 will cover your home’s appliances, systems, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be useful if you're concerned about one more than the other.
Home warranty plans usually last a year. Many providers let you renew your plan each year, and some offer month-to-month options as well.
Usually, the homeowner is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who will pay the service fees. In Bismarck, where the median value of a home is $342,592, having the seller pay for the home warranty can save you some money on your new home.
