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.
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
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
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
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
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
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
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 | $5,952 |
Heating | $3,968 |
Electrical | $595 |
Toilets | $496 |
Washer/Dryer | $794 |
Plumbing | $595 |
Oven | $1,587 |
Fridge | $595 |
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.
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.
Before signing a home warranty contract, you should understand key terms like:
When you're deciding on a home warranty provider, there are several important things to take into account:
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.
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.
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.
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.
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.
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.
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.
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.