Expert Advice On Improving Your Home

6 Best Home Warranty Companies in Grand Forks, ND

Written By David Cusick

Last Updated February 2024

Homeownership in Grand Forks comes with lots of benefits, but it also comes with worries and concerns. Your home’s appliances and systems will eventually need repairs, and this could mean a huge expense. A home warranty is a way to protect your budget from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind.

Finding the best home warranty on the market can be overwhelming, since there are lots of companies to choose from. That’s why the Today's Homeowner team did the research and made a list of the best home warranty companies in Grand Forks for you.

Our Recommended Providers

Best for Customization
4.5/5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
Best For First Time Homeowners
4.2/5
  • 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
Best Claims Acceptance
4.1/5
  • Comprehensive coverage
  • Decent coverage caps
  • No exclusions for older homes

The 6 Best Home Warranty Companies in Grand Forks

Liberty Home Guard

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 Grand Forks, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been in the home warranty business for around 6 years. When you purchase 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 offers 3 plans for you to decide between.

Liberty Home Guard has 3 plans that provide a combination of appliance and system coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are an affordable $75.

To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. To read more, visit our review of Liberty Home Guard.

Appliance Guard

Systems Guard

Total Home Guard

Service fee: $75.00 Monthly cost: $69.99
Items covered: Ceiling Fan , Cooktop exhaust fan , Disposal , Dishwasher , Dryer , Garage door , Microwave , Oven , Refrigerator , Refrigerator ice maker , Washer Add-on items: Pool , Saltwater pool , Spa , TV , PC , Pump , Generator , Free-standing ice maker , Septic tank pumping , Roof leaks , Pests , Water softener , Well pump , Wine refrigerator , Septic , Sprinkler , Locksmith , Trash compactor , Sump pump , Vacuum , Stand-alone freezer , Water dispenser
Service fee: $75.00 Monthly cost: $74.99
Items covered: Air Conditioner , Bath exhaust fan , Ductwork , Electrical , Heating system , Plumbing , Plumbing stoppages , Toilet , Water heater Add-on items: Pool , Saltwater pool , Spa , TV , PC , Pump , Generator , Free-standing ice maker , Septic tank pumping , Roof leaks , Pests , Water softener , Well pump , Wine refrigerator , Septic , Sprinkler , Locksmith , Trash compactor , Sump pump , Vacuum , Stand-alone freezer , Water dispenser
Service fee: $75.00 Monthly cost: $79.99
Items covered: Ceiling Fan , Cooktop exhaust fan , Disposal , Dishwasher , Dryer , Garage door , Microwave , Oven , Refrigerator , Refrigerator ice maker , Washer , Air Conditioner , Bath exhaust fan , Ductwork , Electrical , Heating system , Plumbing , Plumbing stoppages , Toilet , Water heater Add-on items: Pool , Saltwater pool , Spa , TV , PC , Pump , Generator , Free-standing ice maker , Septic tank pumping , Roof leaks , Pests , Water softener , Well pump , Wine refrigerator , Septic , Sprinkler , Locksmith , Trash compactor , Sump pump , Vacuum , Stand-alone freezer , Water dispenser

Choice Home Warranty

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 Grand Forks, Choice Home Warranty offers the best overall home warranty. Choice has been in the home warranty business for around 15 years. When you purchase 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. Choice offers 2 plans for you to decide between.

Choice Home Warranty has 2 plans that provide a combination of appliance and system coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are an affordable $85.

To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. To read more, visit our review of Choice Home Warranty.

Basic Plan

Total Plan

Service fee: $85.00 Monthly cost: $45.00
Items covered: Ceiling fan , Cooktop exhaust , Dishwasher , Disposal , Ductwork , Electrical , Garage door opener , Heating system , Oven , Microwave , Plumbing system , Toilet , Water heater Add-on items: Pool , Spa , Septic , Well pump , Roof leaking , Septic tank , Sump pump , Vacuum , Stand-alone freezer
Service fee: $85.00 Monthly cost: $53.33
Items covered: Ceiling fan , Cooktop exhaust , Dishwasher , Disposal , Ductwork , Electrical , Garage door opener , Heating system , Oven , Microwave , Plumbing system , Toilet , Water heater , AC , Washer , Dryer , Refrigerator Add-on items: Pool , Spa , Septic , Well pump , Roof leaking , Septic tank , Sump pump , Vacuum , Stand-alone freezer

Select Home Warranty

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 Grand Forks, Select Home Warranty offers the most cost-effective home warranty. Select has been in the home warranty business for around 11 years. 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. Select offers 3 plans for you to decide between.

Select Home Warranty has 3 plans that provide a combination of appliance and system coverage. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are a reasonable $60.

To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. To read more, visit our review of Select Home Warranty.

Bronze Care Plan

Gold Care Plan

Platinum Care Plan

Service fee: $60.00 Monthly cost: $57.67
Items covered: Disposal , Dishwasher , Dryer , Microwave , Oven , Refrigerator , Washer Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks
Service fee: $60.00 Monthly cost: $57.67
Items covered: Air Conditioner , Ductwork , Electrical , Heating system , Plumbing , Water heater Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks
Service fee: $60.00 Monthly cost: $62.08
Items covered: Disposal , Dishwasher , Dryer , Microwave , Oven , Refrigerator , Washer , Air conditioner , Ductwork , Electrical , Heating system , Plumbing , Water heater , Ceiling fan , Garage door , Plumbing stoppages Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks

American Home Shield

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 Grand Forks, American Home Shield offers the most customizable home warranty. AHS has been in the home warranty business for around 26 years. When you purchase a home warranty from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS offers 3 plans for you to decide between.

American Home Shield has 3 plans that provide a combination 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 make 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. To read more, visit our review of American Home Shield.

ShieldSilver

ShieldGold

ShieldPlatinum

Service fee: $75.00 - $125.00 Monthly cost: $29.27 - $44.27
Items covered: Air Conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Disposal , Doorbell , Ductwork , Electrical , Garage door , Heating system , Locksmith , Plumbing , Plumbing stoppages , Toilet , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump
Service fee: $75.00 - $125.00 Monthly cost: $39.27 - $54.27
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Doorbell , Dryer , Ductwork , Electrical , Garage door , Heating system , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Toilet , Trash compactor , Washer , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump
Service fee: $75.00 - $125.00 Monthly cost: $59.27 - $74.27
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Disposal , Doorbell , Dryer , Ductwork , Electrical , Garage door , Heating system , Locksmith , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Roof leaks , Toilet , Trash compactor , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump

Cinch Home Services

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 Grand Forks, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been in the home warranty business for around 44 years. When you purchase a home warranty from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. Cinch offers 3 plans for you to decide between.

Cinch Home Services has 3 plans that provide a combination of appliance and system 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 make sure to check with the company. Service fees are customizable and range from $75 to $150.

To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. To read more, visit our review of Cinch Home Services.

Appliances Plan

Built-in Systems Plan

Complete Home Plan

Service fee: $75.00 - $150.00 Monthly cost: $34.99 - $50.99
Items covered: Cooktop exhaust fan , Dishwasher , Dryer , Food center , Free-standing ice maker , Microwave , Oven , Refrigerator , Refrigerator ice maker , Trash compactor , Washer Add-on items: Pool , Septic , Well pump
Service fee: $75.00 - $150.00 Monthly cost: $39.99 - $57.99
Items covered: Air conditioner , Smoke alarm , Attic fans , Bath exhaust fans , Ceiling fans , Disposal , Doorbell , Ductwork , Electrical , Garage door , Heating system , Plumbing , Plumbing stoppages , Septic tank pumping , Spa , Sump pump , Toilet , Vacuum , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Septic , Well pump
Service fee: $75.00 - $150.00 Monthly cost: $49.99 - $67.99
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Disposal , Doorbell , Dryer , Ductwork , Electrical , Food center , Free-standing ice maker , Garage door , Heating system , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Refrigerator ice maker , Septic tank pumping , Spa , Sump pump , Toilet , Trash compactor , Vacuum , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Septic , Well pump

The Home Service Club

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 Grand Forks, The Home Service Club offers the best home warranty with the quickest service. HSC has been in the home warranty business for around 15 years. When you purchase a home warranty 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. HSC offers 2 plans for you to decide between.

The Home Service Club has 2 plans that provide a combination of appliance and system coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are customizable and range from $65 to $90.

To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. To read more, visit our review of The Home Service Club.

Standard Coverage Plan

Comprehensive Coverage Plan

Service fee: $60.00 - $95.00 Monthly cost: $50.40
Items covered: Air conditioner , Ceiling fan , Dishwasher , Garbage disposal , Dryer , Electrical system , Food center , Free-standing ice maker , Garage door opener , Heating system , Microwave , Oven , Plumbing , Refrigerator , Trash compactor , Central vacuum , Washer , Water heater Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system , Pool , Spa , Water softener , Roof leaks , Well pump , Pump , Stand-alone freezer
Service fee: $60.00 - $95.00 Monthly cost: $62.90
Items covered: Air conditioner , Alarm wiring , Attic fans , Ceiling fan , Dishwasher , Garbage disposal , Doorbell , Dryer , Ductwork , Electrical system , Food center , Free-standing ice maker , Garage door opener , Heating system , Microwave , Oven , Pest control , Phone , Plumbing , Plumbing stoppages , Refrigerator , Sump pump , Toilet , Trash compactor , Central vacuum , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system , Pool , Spa , Water softener , Roof leaks , Well pump , Pump , Stand-alone freezer
Today's Homeowner Ranking Methodology

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:

  • Company Experience
  • Real User Reviews
  • Company Reputation
  • Accreditations and Licenses
  • Service Area
  • Customer Service
Have questions about our methodology or company ratings? Reach out to FindAPro@TodaysHomeowner.com.

Cost of Common Home Repairs in Grand Forks

Home Appliance Repair Cost
Air Conditioner $5,952
Heating $3,968
Electrical $595
Toilets $496
Washer/Dryer $794
Plumbing $595
Oven $1,587
Fridge $595

How Does a Home Warranty Work?

A home warranty is a protection plan that helps Grand Forks homeowners reduce the costs of appliance and system repairs. The plans offer coverage to repair or replace appliances and systems that malfunction due to normal wear and tear.

When something breaks down, you submit a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement goes over the item's coverage limit. A home warranty gives homeowners reassurance by helping avoid expensive emergency repairs. The coverage is especially helpful for owners of older houses or houses with systems near the end of their life span. However, people with newer homes and working appliances may not require a home warranty.

What Does a Home Warranty Cover?

Home warranties protect your home systems and appliances. Common covered appliances are garbage disposals, refrigerators, dishwashers, microwaves, washers, dryers, and more. Included systems are normally plumbing, heating, air conditioning, and electrical. Many home warranty companies offer add-on coverage for septic systems, locksmiths, central vacuums, and roof leaks. Grand Forks homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. What's more, most policies only cover the cost of repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or improperly using a system or appliance. Make sure to keep up with preventative maintenance to help make sure your next repair or replacement is covered.

Key Home Warranty Terms to Know

Before signing a home warranty contract, you should understand key terms like:

  • Coverage limits: The maximum dollar amount that your warranty provider will pay for certain repairs or replacements. Check your contract's limits on repairs for things like roof leaks, air conditioning units, and appliances.
  • Claim approval: The process by which your provider determines whether a requested repair or replacement is covered under your warranty.
  • Service fee: The amount you pay our of pocket per claim for access to a contractor and repair coverage.
  • Endorsements: Optional add-on coverage for systems such as septic, pools, well pumps and more. Endorsements typically come with an additional fee.
  • Trade call fee: An additional fee that some companies charge for appliance-related claims.
  • Deductible: The amount you're responsible for before your warranty covers the remainder of the cost. Deductibles apply to covered repairs and may be on a per-claim or yearly basis.
  • Contract rate: A pre-negotiated rate that your home warranty provider has worked out with contractors. This rate is typically less than what you would pay retail.
If you remember these terms and key factors, it’ll help you understand costs and select a home warranty tailored to protecting your most essential home systems. Make sure to talk to providers about the specifics of coverage when getting a quote, so you can avoid unexpected fees.

Key Factors in Choosing a Home Warranty Company

When you're deciding on a home warranty provider, there are several important things to take into account:

Coverage Options

Home warranties differ greatly in the items covered. Basic plans typically cover electrical, AC, plumbing, heating, and appliances, while more comprehensive plans may also cover well pumps, pools, roof leaks, and spas. Look for a provider that offers comprehensive coverage choices, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific needs.

Service Fees

You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may look for companies advertising lower service fees to optimize savings on each repair claim. Certain companies may eliminate deductibles if homeowners don't submit any claims within a set period of time.

Reputation

A home warranty company's track record provides insight into things such as timeliness of repairs, contractor quality, claim approval rates, and overall customer satisfaction. Use third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research companies. Favorable ratings and reviews indicate a company known for stellar service.

Contractor Network

Home warranty businesses have networks of local contractors to handle repairs in your area. Reach out to potential providers to ask how many repair technicians they have in Grand Forks and get an idea for how fast your repairs could take place in an emergency situation. Wider networks increase the probability of getting qualified contractors to swiftly service your home.

Added Benefits

Some home warranty companies include extras such as maintenance discounts, energy efficiency upgrades, and smart home device protection. These can add value beyond just repair coverage. Extra bonuses maximize the usefulness of your home warranty.

Is a Home Warranty Worth it in Grand Forks?


Benefits of a Home Warranty

Home warranty plans are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Grand Forks hitting an average high of 50℃F, you may find that some appliances, like your A.C., get a lot of use. A home warranty can considerably bring down out-of-pocket costs should your HVAC system break down.

A home warranty also saves you time and energy. Instead of spending hours finding and selecting a technician 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. A home warranty can also offer value in other ways. For instance, some plans can be transferred between owners when you sell your home.

Downsides of a Home Warranty

As for the negatives of home warranties, coverage varies by company, so it’s important to review what each plan covers and excludes in the contract.

Another thing to keep in mind is that some providers don’t cover pre-existing damage and may require an inspection before your coverage can begin. Ask the home warranty company for clarification about these things if you need more information or if this is a problem for you.

Our Recommended Providers

Best for Customization
4.5/5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
Best For First Time Homeowners
4.2/5
  • 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
Best Claims Acceptance
4.1/5
  • Comprehensive coverage
  • Decent coverage caps
  • No exclusions for older homes

Frequently Asked Questions About Home Warranty in Grand Forks, ND

A home warranty in Grand Forks can cost anywhere from $30 to $60 a month. Higher-priced plans usually have broader coverage, higher coverage limits, and a lower service fee. Home warranties are often cheaper when you pay annually instead of monthly. Some providers will also lower your up-front costs when you opt for a higher service fee.

Home warranties and home insurance differ in what types of damage they cover. Home warranty policies cover issues with systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger insurance that protects your entire home from natural disasters, which might not be too much of a concern in Grand Forks. It doesn't cover a typical appliance or system breakage.

A home warranty plan can help homeowners, investors, home sellers, real estate agents, and homebuyers. It can provide peace of mind to anyone involved with homeownership.

The different types of home warranties in Grand Forks include plans that cover either appliances or systems as well as combination plans. A combination plan will cover almost all your systems and appliances, such as your refrigerator, washing machine, and heating and cooling systems. A plan that only covers appliances or systems will cover only the items mentioned in the policy.

Generally, a home warranty policy offers coverage for a year and can be renewed yearly. Some companies may offer month-to-month options.

Typically, 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 has to pay the service fees when using the policy. In Grand Forks, where the median value of a home is $257,443, having the seller pay for the home warranty can be a good asset for your new home.

Other Grand Forks, ND Home Services