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 $50 Off
Claim Offer
Best Overall

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

Limited Time: $150 Off + 2 Free Months + roof coverage
Claim Offer

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
  • $150 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 ServicePlus Home Warranty
Editorial Rating 95.05
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)
  # 6 Cinch Home Services
Editorial Rating 95.0
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee
  • 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 Minnesotans 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. 

Choice Home Warranty Review (Best Overall Home Warranty)

  • Service Fee: $85
  • Coverage: 9/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 10/10
  • Customer Service: 9.5/10
  • Rating: 97.50

Visit Website

(848) 237-1571
choice home warranty

Why Do We Like Choice?

Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.

Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have "Optional Coverage" for add on items most homeowners don't usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items. 

Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.

The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.

A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.

That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.

Policy On Pre-Existing Issues or Older Units?

Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life. 

What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).


  • Good Limits (up to $1,500)
  • Minimal Exclusions
  • More Affordable 


  • Only 15 Home Appliances & Systems Covered 

American Home Shield Review (Editor's Choice)

  • Service Fee: $75 – $125
  • Coverage: 10/10
  • Limits: 10/10
  • Exclusions: 9.5/10
  • Affordability: 7/10
  • Customer Service: 9/10
  • Rating: 97.00

Visit Website

(866) 464-7521

american home shield home warranty

Why Do We Like American Home Shield?

Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.

In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.

They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 - $3,000 per claim.

Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!


  • Highest Payout Limits (up to $3,000)
  • Widest Coverage (21 systems and appliances)
  • Fewest Exclusions


  • Most Expensive


Select Home Warranty Review (Most Affordable)

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 8/10
  • Exclusions: 8/10
  • Affordability: 10/10
  • Customer Service: 8/10
  • Rating: 95.80

Visit Website

(888) 370-3954
select home warranty

Why Do We Like Select Home Warranty?

Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 - $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.

If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.

Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!


  • Most Affordable Service Contracts 
  • Roof leaks Are Covered In Their Platinum Plan


  • Ultra Pushy Sales
  • 3 Days To Submit Claim
  • Weaker Network Of Contractors

Liberty Home Guard Review

  • Service Fee: $75
  • Coverage: 10/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 8/10
  • Customer Service: 9/10
  • Rating: 95.10

Visit Website

(866) 472-3812

liberty home guard

Why Do We Like Liberty Home Guard?

Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice. 

Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home. 

Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month. 

We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.

Policy On Pre-Existing Issues or Older Units?

If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.


  • State of the art customer portal system
  • Rigorous testing for contractors
  • Ability to use your own contractors
  • Fair pricing
  • Good customer service for a newer company


  • Must report your issues within one day of noticing a problem

Total Home Protect Review

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 7/10
  • Exclusions: 7.5/10
  • Affordability: 8/10
  • Customer Service: 8/10
  • Rating: 95.20

Visit Website

(267) 824-4010

total home protection home warranty

Why Do We Like Total Home Protect?

Total Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.

Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.

Most home warranties do not cover anything related to your roof but Total Home Protect does, which we found to be unique to their offering helping them crack our top list.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and AHS, Total Home Protect covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!


  • You Can Choose Your Own Technicians
  • Roof Coverage


  • More Exclusions Than Most Competitors
  • The Worst BBB score
  • Low Payout Limits ($500)

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 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.

Nearby States

All states
Home warranty Iowa 33 companies available
Iowa Home Warranty
Home warranty South Dakota 30 companies available
South Dakota Home Warranty
Wisconsin flag
Home warranty Wisconsin 29 companies available
Wisconsin Home Warranty

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.