Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Being a homeowner in Duluth is an excellent option for those who enjoy nature and quiet neighborhoods. However, as great as Duluth is, homeownership always comes with its fair share of headaches, such as trying to take care of your appliance and system repairs yourself. A home warranty can offer you the peace of mind you need and shield your bank account from unexpected expenses by covering your home’s major systems and appliances.
Finding the best home warranty on the market can be difficult because of the numerous options out there. If you're tired of trying to compare them all, keep reading for our guide to the best home warranty providers in Duluth.
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 Duluth, Liberty Home Guard is the most trustworthy home warranty. Liberty has around 6 years of experience in the industry and in that time has built a an network of service technicians nationwide. 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. The 3 home warranty plans that Liberty offers include options for appliance and system coverage.
Liberty Home Guard offers 3 plans for Duluth homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. To read more, visit 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 Duluth, Choice Home Warranty is the best overall home warranty. Choice has around 15 years of experience in the industry and in that time has built a an network of service technicians nationwide. 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. The 2 home warranty plans that Choice offers include options for appliance and system coverage.
Choice Home Warranty offers 2 plans for Duluth homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with Choice’s plans are close to the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. To read more, visit 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 Duluth, Select Home Warranty is the most cost-effective home warranty. Select has around 11 years of experience in the industry and in that time has built a an network of service technicians nationwide. 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. The 3 home warranty plans that Select offers include options for appliance and system coverage.
Select Home Warranty offers 3 plans for Duluth homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with Select’s plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. To read more, visit 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 Duluth, American Home Shield is the most customizable home warranty. AHS has around 26 years of experience in the industry and in that time has built a an network of service technicians nationwide. 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. The 3 home warranty plans that AHS offers include options for appliance and system coverage.
American Home Shield offers 3 plans for Duluth homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with AHS’s plans are close to the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. To read more, visit our detailed 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
In Duluth, First American Home Warranty is the best home warranty for appliance coverage. First American has around 39 years of experience in the industry and in that time has built a an network of service technicians nationwide. When you purchase a home warranty from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty also 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 home warranty plans that First American offers include options for appliance and system coverage.
First American Home Warranty offers 2 plans for Duluth homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with First American’s plans are close to the $1,500 mark for most of the major systems and appliances, and service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. To read more, visit our detailed 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
In Duluth, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has around 44 years of experience in the industry and in that time has built a an network of service technicians nationwide. 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. The 3 home warranty plans that Cinch offers include options for appliance and system coverage.
Cinch Home Services offers 3 plans for Duluth homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit 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 Duluth, The Home Service Club is the best home warranty with the quickest service. HSC has around 15 years of experience in the industry and in that time has built a an network of service technicians nationwide. 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. The 2 home warranty plans that HSC offers include options for appliance and system coverage.
The Home Service Club offers 2 plans for Duluth homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with HSC’s plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. To read more, visit 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 | $6,656 |
| Heating | $4,438 |
| Electrical | $666 |
| Toilets | $555 |
| Washer/Dryer | $888 |
| Plumbing | $666 |
| Oven | $1,775 |
| Fridge | $666 |
A home warranty is a protection plan that helps reduce the high costs for Duluth homeowners needing appliance and system repairs. These plans provide coverage to repair or swap out appliances and systems that break due to normal wear and tear.
Homeowners file 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 peace of mind for homeowners by helping them avoid expensive emergency fixes. They're particularly useful for those who live in older homes or ones with aging systems. More modern homes with functional appliances probably don’t need a home warranty.
Home warranties protect many household systems and appliances. Common covered appliances include washers, microwaves, garbage disposals, dishwashers, dryers, refrigerators, and others. Covered systems include electrical, air conditioning, heating, and plumbing. Many home warranty plans offer additional coverage for septic systems, central vacuums, roof leaks, and even locksmiths. Duluth should understand that most home warranty plans have a 30-day waiting period before repair claims will be approved. The majority of policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or improperly using a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
Home warranties use several terms that you'll want to learn before signing a contract, such as:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranties differ greatly in the items covered. Basic plans typically include heating, plumbing, AC, electrical, and appliances, while more comprehensive options may also cover roof leaks, spas, well pumps, and pools. Look for a company that offers an extensive selection of coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may seek out companies advertising more affordable fees to optimize savings on each repair claim. Certain providers may eliminate deductibles if homeowners don't submit any claims within a set period of time.
A home warranty provider's reputation can offer insight into things such as approval rates for claims, speed of repairs, contractor quality, and customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Good ratings and reviews indicate that a provider is known for top-tier service.
Home warranty providers have networks of professionals to handle covered repairs. Bigger networks raise the probability of getting qualified technicians to service your home ASAP. Contact potential providers to find out how many contractors they have in Duluth to get a sense of how soon your repairs could happen in an emergency.
Home warranty companies may offer perks such as coverage for smart home devices, energy efficiency upgrades, and maintenance discounts. These can add value beyond repair coverage. Additional perks maximize the usefulness of your home warranty.
Home warranty policies are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Duluth hitting an average high of 70℃F, you may find that certain appliances, like your A.C., get a lot of use. A home warranty can remarkably lower out-of-pocket expenses should your HVAC system break down.
On top of saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the headache of trying to find a qualified technician to visit your home. Home warranties usually have a network of pre-vetted contractors who can handle any repair issues you may experience. Additionally, having a home warranty can help make your house more attractive to potential homebuyers should you ever decide to sell later. Many home warranty providers will allow you to transfer your policy to a new owner and give them the same protection you’ve been benefiting from.
Home warranties also have some drawbacks. While it can save you time when the home warranty sends out a repair person who handles the repair for you, some people may not like this, and they would prefer to choose their own contractor. If that’s the case for you, some home warranty providers let you choose a contractor.
Another thing to take into consideration is that some providers don’t cover pre-existing problems and may require an inspection before your coverage can start. Ask the home warranty provider for clarification about it if you need more information or if this is an issue for you.
A home warranty policy costs, on average, about $300 to $600 a year in Duluth. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill 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 types of damage they cover. Home warranty policies cover issues with systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of insurance that protects your entire home from natural disasters, which can sometimes be a concern in Duluth. It doesn't cover a typical appliance or system breakage.
First-time homebuyers, landlords, home sellers, real estate agents, and homeowners can all get home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
A home warranty can cover your home’s systems, appliances, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be useful if you're concerned about one more than the other.
Generally, a home warranty policy offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month options.
Typically, the homeowner is responsible for paying for the home warranty. In some cases, though, the one selling the home may purchase a home warranty plan and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Considering that the average home value in Duluth is $417,939, a home warranty can save you some money when buying a home.
