Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Although homeownership in Minot 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 bank account from unexpected expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind.
Choosing the best home warranty on the market can be challenging because of the sheer number of options out there. If you're frustrated with trying to compare them all, keep reading for our guide on the best home warranty companies in Minot.
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 Minot, Liberty Home Guard is the most trustworthy home warranty. Liberty has been operating for over 6 years, making it a highly regarded company in the industry. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. 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.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage limits come out to around $3,000 for each covered system or appliance.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read more by visiting our detailed 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 Minot, Choice Home Warranty is the best overall home warranty. Choice has been operating for over 15 years, making it a highly regarded company in the industry. The home warranty provider offers 2 plans to policyholders that have various system and appliance coverage options. 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage limits come out to around $3,000 for each covered system or appliance.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read more by visiting our detailed 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 Minot, Select Home Warranty is the most cost-effective home warranty. Select has been operating for over 11 years, making it a highly regarded company in the industry. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. 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.
There are 3 home warranty plans from Select Home Warranty: 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 around $2,000 for each covered system or appliance.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read more by visiting our detailed 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 Minot, American Home Shield is the most customizable home warranty. AHS has been operating for over 26 years, making it a highly regarded company in the industry. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to around $2,500 for each covered system or appliance.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read more by visiting our detailed 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 Minot, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has been operating for over 44 years, making it a highly regarded company in the industry. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. 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.
There are 3 home warranty plans from Cinch Home Services: 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 around $1,000-$2,000 for each covered system or appliance.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read more by visiting our detailed 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 Minot, The Home Service Club is the best home warranty with the quickest service. HSC has been operating for over 15 years, making it a highly regarded company in the industry. The home warranty provider offers 2 plans to policyholders that have various system and appliance coverage options. 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.
There are 2 home warranty plans from The Home Service Club: 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 around $2,000 for each covered system or appliance.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read more by visiting our detailed 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 | $5,930 |
| Heating | $3,953 |
| Electrical | $593 |
| Toilets | $494 |
| Washer/Dryer | $791 |
| Plumbing | $593 |
| Oven | $1,581 |
| Fridge | $593 |
A home warranty is a protection policy that helps reduce the high costs for Minot homeowners needing appliance and system repairs. These plans provide financial coverage to repair or replace appliances and systems that break due to normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty gives homeowners reassurance by helping avoid expensive emergency repairs. The coverage is particularly helpful for those living in older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and working appliances may not require a home warranty.
Home warranties help protect both your home systems and appliances. Common appliances covered under a home warranty include washers, garbage disposals, dryers, microwaves, refrigerators, dishwashers, and more. Covered systems include air conditioning, electrical, plumbing, and heating. Many home warranty plans also offer add-on coverage options for central vacuums, locksmiths, septic systems, and even roof leaks. It's important for Minot homeowners to know that most home warranty policies have a 30-day waiting period before they can be used to cover repairs. Additionally, policies typically only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover problems such as 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.
Here are some key home warranty terms to learn before signing a contract:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty coverage varies, although most plans provide coverage for electrical, plumbing, AC, heating, and appliances. More extensive plans may also provide protection for additional items such as pools, spas, well pumps, and roof leaks. Look for companies with flexible coverage choices, including upgraded plans. This helps you customize your plan to your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, you may want to choose a provider with more affordable fees to maximize savings. Some providers also eliminate deductibles when customers have a claim-free period.
A home warranty company's track record gives insight into things such as timeliness of repairs, claim approval rates, contractor quality, and overall customer satisfaction. Use third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Positive reviews and ratings indicate a provider known for stellar service.
Home warranty companies have networks of professionals that they use to tackle covered repairs. More extensive networks raise the chance of getting skilled contractors to your home quickly. Reach out to possible providers to learn how many contractors they have in Minot to understand how long repairs might take in an urgent situation.
Some home warranty providers offer bonuses such as smart home device protection, energy efficiency upgrades, and maintenance discounts. These perks can add value beyond just repair coverage. Extra bonuses can maximize the usefulness of the home warranty.
Home warranty plans are an inexpensive way to protect your home systems and appliances from normal wear and tear. With temperatures in Minot hitting an average high of 51℃F, you may find that certain appliances, like your air conditioner, get a lot of use. A home warranty can considerably bring down out-of-pocket expenses should your HVAC system stop working.
As well as saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the hassle of trying to find a qualified contractor to visit your home. Home warranties usually have a network of pre-vetted contractors who can handle any repair issues you may have. A home warranty can also have value in other ways. For example, some policies can be transferred between owners when you sell your home.
One disadvantage of a home warranty is that there are generally exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may be excluded from the home warranty, so it’s important to read through the contracts you’re considering thoroughly to understand what is included and what isn’t.
Also, if you don’t maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty costs, on average, around $300 to $600 a year in Minot. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. In addition, it's typically less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty plans cover issues related to systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger plan that protects your entire home from natural disasters, which can sometimes be a concern in Minot. It doesn't cover a normal appliance or system breakage.
A home warranty can help real estate agents, homeowners, investors, homebuyers, and home sellers. It can offer peace of mind to anyone involved with homeownership.
The different home warranties in Minot include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your systems and appliances, including your refrigerator, washing machine, and plumbing. An appliance or system plan will cover only the specific items mentioned in the contract.
Generally, a home warranty offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month options.
Usually the person who owns the home is responsible for paying for the home warranty. In some cases, however, the person who is selling the home may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Considering that the average home value in Minot is $243,628, a home warranty can be an added asset when buying a home.
