Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Last Updated: February 25, 2025
Homeownership in McMinnville has quite a few positives, but it also comes with its difficulties. Your home’s appliances and systems will eventually need repairs, and this could mean a huge expense. A home warranty in McMinnville can help bring down your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that malfunction due to normal wear and tear.
Finding the best home warranty on the market can be challenging, as there are dozens of companies to decide between. That’s why the Today's Homeowner team did the research and put together a list of the top home warranty companies in McMinnville 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
Liberty Home Guard offers the most trustworthy home warranty for McMinnville residents. Liberty has around 6 years of experience in the home warranty industry and in that time has built a impressive network of service professionals in the country. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
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 caps come out to around $3,000 for each covered appliance or system.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. For a more detailed breakdown, read 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 offers the best overall home warranty for McMinnville residents. Choice has around 15 years of experience in the home warranty industry and in that time has built a impressive network of service professionals in the country. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage options. With a home warranty from Choice, you can enjoy very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage caps come out to around $3,000 for each covered appliance or system.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For a more detailed breakdown, read 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 offers the most cost-effective home warranty for McMinnville residents. Select has around 11 years of experience in the home warranty industry and in that time has built a impressive network of service professionals in the country. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
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 caps come out to around $2,000 for each covered appliance or system.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. For a more detailed breakdown, read 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 offers the most customizable home warranty for McMinnville residents. AHS has around 26 years of experience in the home warranty industry and in that time has built a impressive network of service professionals in the country. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.
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 caps come out to around $2,500 for each covered appliance or system.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. For a more detailed breakdown, read our review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty offers the best home warranty for appliance coverage for McMinnville residents. First American has around 39 years of experience in the home warranty industry and in that time has built a impressive network of service professionals in the country. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage options. With a home warranty from First American, you can enjoy very affordable and comprehensive appliance coverage. Not to mention, it has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. First American’s service fees are a reasonable $85, and the coverage caps come out to around $1,500 for each covered appliance or system.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. For a more detailed breakdown, read our review of First American Home Warranty.
Basic Plan
Premier Plan
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 offers the home warranty with the best workmanship guarantee for McMinnville residents. Cinch has around 44 years of experience in the home warranty industry and in that time has built a impressive network of service professionals in the country. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
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 caps come out to around $1,000-$2,000 for each covered appliance or system.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For a more detailed breakdown, read 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 offers the best home warranty with the quickest service for McMinnville residents. HSC has around 15 years of experience in the home warranty industry and in that time has built a impressive network of service professionals in the country. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage options. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
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 caps come out to around $2,000 for each covered appliance or system.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. For a more detailed breakdown, read 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 | $5,971 |
| Heating | $3,980 |
| Electrical | $597 |
| Toilets | $498 |
| Washer/Dryer | $796 |
| Plumbing | $597 |
| Oven | $1,592 |
| Fridge | $597 |
A home warranty is a protection plan that helps lower expenses for McMinnville homeowners needing appliance and system repairs. These plans provide financial coverage to fix or swap out appliances and systems that stop working due to 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 repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement goes over the item's coverage limit. A home warranty delivers security for homeowners by helping them prevent expensive emergency repairs. They're particularly useful for those who own older homes or ones with aging systems. Newer homes with working fixtures probably don’t require a home warranty.
Home warranties protect your household systems and appliances. Typical covered appliances include dryers, washers, refrigerators, dishwashers, garbage disposals, microwaves, and more. Protected systems include heating, plumbing, electrical, and air conditioning. Various home warranty plans offer extra coverage for septic systems, roof leaks, central vacuums, and even locksmiths. McMinnville should understand that most home warranty plans have a waiting period of 30 days before repairs are covered. The majority of policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or misuse of a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
Home warranty contracts use several terms that you'll want to learn before signing, such as:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranties have significant variation in what they include. Basic plans typically provide protection for heating, plumbing, electrical, AC, and appliances, while more comprehensive options may also cover pools, spas, roof leaks, and well pumps. Look for a company that offers robust coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which is paid per service call made. The costs from multiple fees can add up. You may decide to look for providers with lower service fees to maximize your savings on each claim. Some providers also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty provider's reputation can offer insight into things such as contractor quality, speed of repairs, approval rates for claims, and customer satisfaction. Look at third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Positive ratings and reviews indicate that a provider is known for top-tier service.
Home warranty providers have networks of contractors to handle covered repairs. Bigger networks increase the likelihood of getting qualified technicians to service your home ASAP. Ask potential providers how many contractors they have in McMinnville to get a sense of how quickly your repairs could happen in an emergency.
Home warranty providers might include extras such as maintenance discounts, coverage for smart home devices, and energy efficiency upgrades. These can add value beyond just repair coverage. Additional perks can maximize the usefulness of the home warranty.
Since temperatures in McMinnville can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Having a home warranty policy can help homeowners save money if one of these systems or appliances stops working all of a sudden.
Not only does a home warranty provide some financial relief, but it also saves you time. If an appliance breaks, the last thing you want to do is find a repair person and schedule a repair. A home warranty takes care of this process by sending trusted professionals to your door when you need them most. A home warranty can also give value in other ways. For example, some plans can be transferred between owners during a home sale.
Home warranties also have some downsides. While it can give you less to worry about since the home warranty sends out a repair person who carries out the repair for you, some people may not like this, and they would prefer to select their own contractor. If that’s important to you, some home warranty providers let you select a contractor.
Another thing to take into consideration is that some companies don’t cover pre-existing damage and may require an inspection before coverage begins. Ask the home warranty provider for clarification about it if you aren’t sure or if this is an issue for you.
A home warranty costs, on average, around $300 to $600 a year in McMinnville. Our top-rated home warranty companies' 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. Additionally, it's often cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty covers normal wear and tear to home systems and appliances. Homeowners insurance protects a home in a situation such as a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim should you need a new refrigerator or stove, unless the damage is a result of a natural disaster, which isn't that common in McMinnville.
A home warranty plan can help real estate agents, investors, homebuyers, home sellers, and homeowners. It can offer peace of mind and savings to anyone involved in homeownership.
The different home warranties in McMinnville include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan will cover your systems and appliances, such as your washing machine, drier, and plumbing. An appliance or system plan will cover only the items mentioned in the policy.
Home warranty plans typically last a year. Many companies let you renew your plan each year, and some offer month-to-month options as well.
In general, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be given to the new homeowner, who has to pay the service fees when using the policy. In McMinnville, where the median value of a home is $471,545, having the seller pay for the home warranty can be a good asset for your new home.
