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Minnesota winters are tough on homes. Your heating system must be in top condition to ensure you and your loved ones don’t face the brunt of winter storms. A home warranty protects your most important systems and appliances from breakdowns caused by regular use. Our team reviewed the best home warranty companies nationwide and selected our top choices for Minnesota homeowners.
The Top 5 Home Warranty Companies in Minnesota
Here is our list of the top Minnesota home warranty companies:
- American Home Shield : Best for Comprehensive Coverage
- Liberty Home Guard : Best Add-on Variety
- Select Home Warranty : Best for Cost-Effective Plans
- America’s 1st Choice Home Club : Best Membership Perks
- Cinch Home Services : Best Coverage Variety
The cost data displayed in this article is based on our team’s national average for a home warranty monthly premium. Your cost may vary based on your home’s size and type, location, and coverage selections.
Compare Minessota’s Top Home Warranty Companies
|Star Rating||Monthly Cost||Service Fee||BBB Rating||Link|
|American Home Shield||$65–$76||$100–$125||B||VISIT SITE|
|Liberty Home Guard||$49-$60||$65–$125||A+||VISIT SITE|
|Elite Home Warranty||$55–$75||$70||A||VISIT SITE|
|Select Home Warranty||$44–$48||$65–$75||B-||VISIT SITE|
|First American Home Warranty||$59–$77||$75–$125||B||VISIT SITE|
|American Home Shield|
|Liberty Home Guard|
|Select Home Warranty|
Home Warranty Regulations in Minnesota
The Department of Labor and Industry (DLI) regulates home warranties in Minnesota. The state protects consumer interests in several ways. For example, Statute 59B.05 specifies that service contracts must include clear coverage terms, limitations, and exclusions. The DLI also requires home warranty providers to include a cancellation policy within their contracts.
If you own a home warranty in Minnesota and believe your provider has not honored your contract, there are several actions you can take. According to Arthur Chartrand, who is of counsel to the National Home Service Contract Association (NHSCA), the first step is to contact your provider and record your attempts to resolve your issue. Then, if the provider refuses to cooperate, you can file a dispute resolution with the DLI.
Home warranties self-regulate via industry associations. For example, the Minnesota Home Service Contract Association, a division of the NHSCA, is a nonprofit industry organization consisting of member companies that follow a code of ethics for fair business practices.
Home Warranty Coverage
Home warranties cover your home’s major home systems and appliances when they break down due to regular use. After a home warranty provider receives a service request from you, it sends a vetted service provider to diagnose and fix your issue. You must pay a service call fee before a contractor performs a repair. Then, your home warranty provider covers repair or replacement costs up to your plan’s coverage limits.
A protection plan from a recommended home warranty provider is a practical way to safeguard your home’s critical major appliances and systems. We recommend Liberty Home Guard if you need unique coverage. American Home Shield is a solid choice for comprehensive coverage. AFC Home Club provides a plan-length workmanship guarantee for extra peace of mind.
Before signing up, request three quotes from different providers to compare costs, coverage terms, and exclusions.
Minnesota Home Warranty Companies FAQ
What is the “Statutory New Home Warranty” in Minnesota?
The Statutory New Home Warranty in Minnesota is a law that includes the guarantees a home builder must include on its workmanship and materials after building a new home. For example, a new home must be free of major construction defects for the first 10 years.
What is the difference between a builder’s warranty and a home warranty?
A builder’s warranty protects a new home’s structural components from faulty workmanship. A home warranty protects a home’s major systems and appliances from normal wear and tear. The home’s manufacturer typically offers a builder’s warranty. Third-party service contract companies offer home warranties.
Are home warranties worth the cost?
Each situation is different. A home warranty could be worth the investment for someone who wants a level budget and to avoid paying expensive repair costs. A home warranty could save you hundreds or even thousands of dollars in home repairs depending on what items break down and what your coverage is.
What does a home warranty not cover?
Home warranties typically don’t cover routine maintenance, appliance removal and disposal fees, or commercial property. We recommend reading your provider’s sample contract to determine what it covers and excludes in your policy.
What is a preexisting condition?
A preexisting condition is a breakdown or issue experienced by a home system or appliance before coverage begins. Many providers do not cover preexisting conditions; therefore, you should purchase a home warranty policy while all your systems and appliances work for complete protection.
How We Chose the Top Home Warranty Providers
Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on our analysis of customer reviews and interviews with industry experts. Our in-depth methodology outlines our review process to provide transparent information about the companies we review.
We determined that the following factors are the most important when comparing home warranty companies: available plans, plan coverage, price range, industry reputation, customer support, and additional features. Our research supported that plan coverage, customer service, and industry reputation should carry the most weight. While important, the other factors should not have as much influence when choosing a home warranty provider.