Top Best Home Warranty Companies In Minnesota Review

Why are home warranty companies so popular in Minnesota? It’s because more and more people are saving money on essential home repairs and replacements each year.  

So, do you want to learn how to protect your home and wallet? If so, you are in the right place. 

This comprehensive guide that answers essential questions like: 

  • Who needs a home warranty in Minnesota? 
  • How does the climate in Minnesota affect your need for a home warranty? 
  • How can you save the most money with your home warranty plan? 
  • What are the top 5 best home warranty companies in Minnesota? 
  • And much more!
Editor's Choice

Limited Time: New Customers Get $100 Off
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Best Overall

Limited Offer: $50 Off + 1 month free
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Most Affordable

Limited Time: $150 Off + 2 Free Months + roof coverage
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In order to find the warranty company that is right for you, check out the table below and continue reading through this review!


Best Home Warranty Companies in Minnesota

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.5
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 97.0
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 95.8
  • $175 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Liberty Home Guard
Editorial Rating 95.1
  • $200 off + 2 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 Cinch Home Services
Editorial Rating 95.0
  • Get $100 Off Most Popular Plan!
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee
  # 6 Total Home Protection
Editorial Rating 91.9
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)
  • Save up to $150 on a new plan
  • Choose your own service fee!
  • Lower chance of claim denial
  • Higher fee for contract transfer
  • Higher cancellation fee

Disclosure: has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.

At, we review home warranty companies and their plans to bring you useful information to help you choose the right home warranty for your property. Our home warranty reviews cover information on the company's trustworthiness, coverage plans, terms and conditions, and customer feedback.

Who Needs A Home Warranty In Minnesota?

Minnesota state

Minnesota is a great place to live. There are a lot of business opportunities, a low unemployment rate, excellent health care, and high quality of life overall. So, many people decide to move to the state to raise their families, retire, or purchase their first home. 

No matter your situation, you can benefit from owning a home warranty from a reputable company. However, for some groups, this coverage is even more beneficial. 


Peace of Mind For Parents

According to a report from WalletHub that looked at family income, education opportunities for kids and adults, family fun and recreation, health, safety, and other categories, Minnesota is the second-best state after Massachusetts to raise a family.

Because many families in Minnesota own their houses, they understand how much effort it takes to keep them in good condition, and how expensive it can be. A home warranty can be a smart way to save money on home repairs.

The most trusted home warranty companies in Minnesota offer coverage for heating, cooling, electrical, and plumbing systems, as well as major kitchen and laundry appliances. Top home warranty plans in Minnesota also include coverage for swimming pools and spas, additional home appliances, and even pest control services.

Having this protection is essential for families. It is necessary to have a working water heater and heating system in your Minnesota home, especially if you have an infant or young children. 

Paying an affordable monthly or yearly payment for a home warranty is a lot easier for many parents. It helps them budget for repairs and keeps their family safe during the cold winter months. 

Comfort For Retirees

Not only do people currently living in Minnesota consider buying home warranty coverage, but also retirees. According to a study from AARP, the nation's largest advocate for senior citizens, Minnesota is the best state to retire, especially for those who are turned off by Florida's warm year-round weather. 

Read Also: Which Home Warranty Plans Are Recommended For Senior Citizens?

If you plan on retiring in Minnesota, a home warranty can help you maintain your home's vital home systems and appliances. The last thing you want in your golden years is to get stuck in a freezing house without the means to repair your heater.

Home warranty customers do not have to worry about out of pocket expenses. If you purchase a policy from a reputable company, they will handle the entire repair process for you. When something breaks, you contact your home warranty provider to make a service request. 

The home warranty company will then schedule a qualified technician from their service contractor pool to come to your home for a diagnosis of the problem. If the item is covered, you simply pay an affordable service fee, and the warranty company will pay for the remaining repair bill up to the limits of your policy. 

Read Also: What Are The Best Home Warranty Companies For Veterans in MN?

Minnesota Home Warranties Offer First Time Home Buyers Security

As Minnesotan's become homeowners, they also start looking for the right home warranty, which could help them cover expenses for repairs of their home systems and appliances. New homeowners who are not used to paying for costly out of pocket expenses can really benefit from a home warranty plan that covers expensive repairs and replacement of items a service provider cannot fix.

So, if you are buying your first property, you should talk to your real estate agent about providing you with a home warranty for your new home.

Read Also: What Are The Best Home Warranty Companies For First Time Buyers?

Why Purchase a Home Warranty in Minnesota?

Minnesota is known not only for its harsh winters, but also for the many bodies of water that flow outward in three directions—north to Hudson Bay in Canada, east to the Atlantic Ocean, and south to the Gulf of Mexico.

Minnesota is the northernmost territory in the 48 contiguous states. Each year, citizens in the northern part of the state see about 70 inches of snowfall, and the average winter temperature is 8°F. 

In these weather conditions, homeowners should keep their heating systems and water heaters covered by the best home warranty Minnesota companies have to offer. Total Home Protection, for example, has coverage for mechanical parts and components of two heating systems designed for residential use only.

The state's nickname is the "Land of 10,000 Lakes" because there are 11,842 lakes. Minnesota also has 90,000 miles of shoreline, more than California, Florida, and Hawaii combined. These conditions create high humidity, which can have a detrimental effect on electrical systems and wear and tear on home appliances. One of the top home warranty companies in Minnesota, Select Home Warranty, offers the Bronze Care plan that was created just for kitchen and laundry appliances.

With the climate and weather conditions throughout the year, purchasing a home warranty in Minnesota is a necessity and a great way for homeowners to save a lot of money when major home systems or appliances malfunction. 

Considering relocating to Minnesota? Check out this video below from the Twin Cities Real Estate Guide for more information.

How Can You Save The Most Money With A Home Warranty? 

People buy home warranty plans because they want to save money. While a home warranty can help you save money on costly repairs, there are a few things you can do before and after you invest in your plan to help maximize your savings. 

Get Free Quotes

All of the best home warranty companies in Minnesota offer free quotes to customers shopping for a home warranty plan. With so many add-ons and optional coverages, it is a great idea to get a quote from a few companies before committing to one. 

Take Advantage Of Home Warranty Offers

Many home warranty companies give discounts on their most popular plans if you pay for your plan upfront. So, if you can pay annually, you might be able to save $100 or more each year on your plan. For example, our #1 pick for home warranty coverage in MN, Choice Home Warranty, often runs seasonal and holiday discounts for warranty buyers. Be sure to check out their website for more details. 

Review All Of The Covered Items In your Plan

Minnesota Plumbing repair with a the best home warranty coverage in MN

Reviewing all of the covered items in your plan helps you save money because people often forget all of the coverage they have. The last thing you want to do is pay for a repair out of pocket only to realize later your plan included that item. 

Many companies also include value-added services with your plan like free AC filters, free pest control, discounts on HVAC maintenance, and more. Taking advantage of any free services your program offers is a great way to save money. 


Read Home Warranty Reviews

Home warranty reviews on sites like the Better Business Bureau (BBB) are beneficial because they are first-hand accounts of customer experiences. It is essential to keep in mind that many people who leave reviews on consumer sites do so after having a challenge, so these sites might under-represent satisfied customers. 

However, customer review sites can be a great way to gain insight into what claims your home warranty might cover. They are also a great way to understand better what the claims process will look like with the home warranty company you choose. 

home warranty for Minnesota facts

Does Minnesota have Home Warranty Regulations?

Yes, and before signing a contract with any home warranty provider in Minnesota, it is useful to know where you can file a complaint if something goes wrong. The state offers a home warranty dispute resolution through the Minnesota Department of Labor and Industry

It provides the guidelines and resources specific to home service contracts. Each home warranty in MN must obtain a registration with the Department of Commerce. 

If you are buying a newly constructed home, state laws also require the builder to provide you with a home warranty for the first year. After that, some builders include a warranty that covers major home systems, but they do not include appliances, additions, or changes you make to your home. 

So, even if you are moving into a brand new home, it is a good idea to cover your property with a protection plan that includes items like your refrigerator, clothes washer, clothes dryer, cooktop, water heater, garbage disposal, garage door opener, dishwasher, ductwork, heating system, plumbing stoppages, air conditioners, and other major appliances and home systems. 

Read Also: Should My Minnesota Home Have Protection For Sewer Lines?

What Are The Top 5 Home Warranty Companies In Minnesota

There are dozens of home warranty companies in the United States, and many of them work with homeowners in Minnesota. With so many companies to choose from, finding the right provider for your property can be challenging. 

So, we put together a list of the top 5 best home warranties in Minnesota with the pros and cons of working with each to help you choose the right home warranty company and plan. 

1. Choice Home Warranty

Choice Home Warranty is our top pick for home protection for Minnesota residents. Choice offers affordable plans that fit most budgets, and it is a market veteran. 

With a Basic Plan from Choice Home Warranty, for as little as $36.17 per month, you can start protecting your Minnesota home. The Basic Plan includes more appliances and systems than most basic plans, including your central heating, which is so critical in states with cold winters. 

If you want more coverage, the Total Plan, for just $100 more per year, gives you protection for your refrigerator, clothes washer and dryer, and more. You also have the option of adding coverage for pools, second refrigerators, central vacuums, limited roof leaks, and more. 

Read Our Full Review of Choice Home Warranty


  • Choice is a market veteran. 
  • Plans are comprehensive and affordable. 
  • Heating systems are included in both plans.


  • Service call fees are $85 per request. 
  • Replacement limits are low on some items. 
  • You cannot customize your plan. 

2. American Home Shield

American Home Shield (AHS) has been in business since 1971, and it is the go-to company for many homeowners and real estate agents. 

For as little as $49.99 per month, you can purchase an appliance or systems package. Or, you can select the combo plan for $600 a year that covers several appliances and home systems. You also have the option of building your own plan. 

With the build your own plan, you can cover 10 of the appliances and home systems of your choice starting at $59.99 a month, and you can add additional items for as low as $2 a month. 

Read Our Full Review of American Home Shield


  • AHS has the most customizable plans on the market.
  • Older appliances and home systems are covered.
  • AHS has a vast network of knowledgeable service technicians.


  • Depending on the plan you select, you may pay service fees of up to $150 per call. 
  • AHS only guarantees repairs for 30 days. 
  • Weekend and holiday service calls can take longer. 

3. Select Home Warranty

Select Home Warranty is our third pick for Minnesota property owners. Select has not been in the home warranty business for as long as some providers.

However, Select does have great plans starting at under $35 per month. Select Home Warranty allows you to choose between three plans, a Gold, Silver, and Platinum option. Each home warranty covers different home appliances and major systems, and the service fees are just $75 per request. 

Read Our Full Review of Select Home Warranty


  • There is no fee for transferring your policy to a new owner. 
  • You can save with a home warranty offers from Select. 
  • You have 30 days to cancel your policy fee-free. 


  • Your plan automatically renews 30 days before your contract ends. 
  • You might have to wait longer for service on the weekend or holidays. 
  • The Select Home Warranty'sservice provider network is not as extensive as some larger companies. 

4. Total Home Protection

Another excellent home warranty company for Minnesota homeowners is Total Home Protection. Total has a Gold and Platinum plan, which both start at under $52 per month, and cover several home appliances and systems. 

You also have the option of adding on coverage for items not included in your package. Add-ons vary in price depending on the system or appliances you want to include. 

Read Our Full Review of Total Home Protection


  • Total Home Protection offers affordable plans and add-on options. 
  • Cancellation is free during the first 30 days of your contract. 
  • 24/7 customer and emergency services are available.


  • Pre-existing conditions may not be covered. 
  • The replacement costs are limited. 
  • You may have to pay for reservice of items repaired by a Total Home Protection technician.

5. Amazon Home Warranty 

Amazon Home Warranty has been in business since 2009. Although it is a newer home warranty provider, the plans are affordable and offer comprehensive coverage. 

You can select a plan that covers appliances or systems for just $42 a month. Or, you can choose a Platinum Combo Plan starting at $52 a mother that includes both. You can also choose your service fees and add-on coverage for items not included in your plan. 

Read Our Full Review of Amazon Home Warranty


  • You can choose your service fees. 
  • Amazon has an excellent rating with the BBB. 
  • Reservice for repairs is covered for 30 days. 


  • Amazon has a smaller service contractor pool. 
  • Amazon is a newer company with just ten years of experience in the industry.
  • Repair and replacement limits are between $200 and $2000 depending on the item. 

Final Words about Home Warranty in Minnesota

Minnesota is one of the most appealing places to live in the United States. People move here to raise their families and to retire. They buy houses and want to protect their home systems and appliances with a home warranty. selected the best home warranty companies in Minnesota and now offers the reviews to MN residents.

We are proud to recommend Choice Home Warranty as the top pick in the state of Minnesota. Choice is available 24 hours a day, seven days a week, so you may give them a call to get a free quote any time of the day.

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Frequently Asked Questions in Minnesota

Below are just some of the frequently asked questions we receive about home warranties in Minnesota.


Is a home Minnesota warranty worth it?

What happens when your refrigerator stops working the week before hosting a big holiday party? Or if your air conditioner stops working in the middle of August? If the cause is not covered by your homeowner’s insurance, you could be out hundreds or thousands of dollars.

A home warranty for your Minnesota home can be worth the cost -- often less than the cost of one such malfunction -- to provide another level of protection against breakdowns of the appliances and system you count on the most. 

What are the best home warranty companies in Minnesota?

Our research team has sifted through data on almost 70 home warranty companies operating in the US. Of those offering policies in Minnesota, here are the top five.

  1. Choice Home Warranty
  2. American Home Shield
  3. Select Home Warranty
  4. Liberty Home Guard
  5. Cinch Home Services

What do home warranties cover?

Home warranties cover malfunction or breakdown of common systems and appliances that happen due to everyday wear and tear. Plans come in three main varieties. You can get a standalone Appliance Plan or Systems Plan, or most people choose a Combo Plan that protects both for just a few more dollars a month.

Here are the appliances most plans will cover:

  • Refrigerator
  • Clothes Washer
  • Clothes Dryer
  • Dishwasher
  • Built-in Microwave

Here are the systems most plans will cover:

  • HVAC 
  • Plumbing
  • Electrical
  • Water Heater

Some providers will offer coverage of these items either within the appliance or systems category or as optional add-ons:

  • HVAC ductwork
  • Smoke Detectors
  • Garbage Disposal
  • Sump Pump
  • Pool and Spa

How much does a Minnesota home warranty cost

The main cost of a home warranty is the monthly premium. This is the amount you agree to pay in exchange for the service agreement covering specific appliances and/or systems. Should you have a malfunction in one or more of those systems and appliances, you would start a claim with the home warranty company, pay a service call fee anywhere from $60 to $150 dollars for each visit of a licensed contractor sent by the company. 

A home warranty combo plan can range anywhere from the low $40s to around $70 depending on the provider. The average of our top five choices is $59 per month or $708 per year for a Combo Plan.

Combo Plan
Top Five Average

How do I choose a good home warranty?

Here are the steps to take in choosing the right home warranty for your Minnesota home.

  1. Do the Research like you are doing right now. Does the company operate in Minnesota? Make sure they cover what’s important to you, and make sure the price makes sense for you. 
  2. Get several quotes. Don’t just go with the first option that pops up. Shop around for the best deal. You don’t necessarily want to just shop for the lowest price, but get quotes from several companies to compare coverage and price. 
  3. Purchase the plan that works best for you. Read the service agreement carefully before you sign. And if you change your mind, In most cases, you’ll have 30 days to get a full refund with no added penalty.