If you love lakes, affordable housing, and some great food, you may have found that Minnesota homeownership is an excellent fit for you. Although Minnesota has some rough winters to deal with, there are still plenty of great reasons to purchase a home in Minnesota. However, owning a home in Minnesota can also be stressful. If you have found that you are spending too much time and money repair home systems and appliances, a home warranty can help.
In this guide, we will cover . . .
- What is a home warranty?
- Why should you have home protection on your home?
- What should you look for when purchasing a home warranty?
- The 6 best home Minnesota home warranty companies in 2021
- And much more!
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If your heating system breaks down on one of those nights when the temperatures are below zero, you will need a quick and affordable fix. This is where a home warranty plan comes into place and saves the day.
If you are looking for the best home warranty companies in Minnesota, keep reading as we give you the top six Minnesota home warranties to choose from.
Disclosure: ReviewHomeWarranties.com 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.
Top 6 Best Home Warranty Companies in Oregon:
- Choice Home Warranty (Best Overall)
- American Home Shield (Most Customizable)
- Select Home Warranty (Most Affordable)
- Liberty Home Guard (Best Reviewed)
- First Premier Home Warranty (Best Coverage)
- Cinch Home Services (Best Workmanship)
Minnesota Home Warranty Companies Reviews
There are more than 70 companies that are willing to write home warranty policies for Minnesota homeowners. Each of these home warranty companies has both positives and negatives to consider. At Review Home Warranties, we compared each of these policies to come up with the top six. We look at the BBB ratings, plan choices, service fees, overall pricing, and coverage caps. Here are our reviews of the best Minnesota home warranty companies on the market.
1. Best Overall: Choice Home Warranty
Choice Home Warranty is the best overall home warranty policy in the state of Minnesota. The Choice Home Warranty has been on the market for 13 years which is quite a bit of time. The policies have grown and improved through the years, and Choice has made things even simple and straightforward for homeowners. Minnesota homeowners love how easy it is to sign up for a home warranty plan, file a claim and get a repair covered.
- Comprehensive plan options
- Simple contract design
- Fair monthly pricing
- Low service fees
- More than 13 years in the home warranty industry
- No custom home warranty plans for customers, only add on options
Plans and Pricing
The Choice Home Warranty plans only offer two options for Minnesota homeowners. The plans are fairly priced and cover a variety of systems and appliances. The Total Plan tends to be more popular has it has certain coverages like HVAC that are quite important. For Minnesota homeowners, the heating system will be the most important to consider.
- Basic Plan: $42 per month
- Total Plan: $50 per month
- Service Fee: $85 per month
One of the great things about Choice Home Warranty is the high coverage caps associated with the policy. You will have up to about $2500 to spend on repairs for most covered items. In addition, Choice Home Warranty has some great add-on coverages for your home. A few of the most popular covered systems and appliances from Choice are . . .
- Plumbing system
- Washing Machine
- Electrical System
- HVAC system
What Customers Are Saying:
“It covers a lot of the Indoor appliances, and it's really helpful because sometimes things break down and you might not have the money, and for the most part, I've been able to get my claims covered. There's only been one or two that they didn't cover. Every time I call and whoever takes my claims has been very professional and very considerate. I've been pleased so far with the service. I've been with Choice for three or four years, so, so far, so good. Just recently, I had to use my warranty for a garbage disposal problem, and I was able to get a new one, and the service person came out he was very professional, he was prompt, and they got the job done quite fast, so I was pleased. It does save me some money, so I've been pleased.” Source
2. Most Customizable: American Home Shield
American Home Shield is the most customizable plan for Minnesota residents. American Home Shield has been in the industry for more than 50 years, making it one of the most recognizable and premium plans on the market. The ability to customize the coverage of your Minnesota home warranty is a very important benefit of this plan that should be considered. Sometimes paying just a few dollars more for a plan that adequately covers your home will be well worth it.
- More than 50 years of industry experience
- Options for custom plans
- Customizable monthly and service fee pricing
- Great pool and spa coverage, in addition to other optional coverages
- Considered to be a more premium or expensive policy
Plans & Pricing
Although you can build out a completely custom plan with American Home Shield, there are three policy options. The Platinum Plan is the most comprehensive because it covers a wide range of systems and appliances. In addition, the pricing of the American Home Shield plans can be modified to fit your needs.
- Silver Plan: $45 per month
- Gold Plan: $55 per month
- Platinum Plan: $79 per month
- Service Fee: Service fee can range from $75 to $125 and will impact monthly pricing
The American Home Shield home warranty coverage for Minnesota is some of the most extensive on the market. You will not have to worry about any area of your home with the coverage options and limits associated with the American Home Shield home warranty. Some of the most popular coverages include. . .
- Heating system
- Garbage Disposal
What Customers Are Saying
“The American home shield representative was acting Very fast after I posted the service request. I got an email response the next day regarding the service arrangements. I then got a further reminder the day before the scheduled service. I even got notices when the service person was on the way to my home. It was an excellent service.” Source
3. Most Affordable: Select Home Warranty
Select Home Warranty is the most affordable home warranty in the state of Minnesota. Ensuring that your home warranty plan is affordable is one of the critical components of a great plan. If your home warranty is something that makes sense financially, it becomes much easier to invest in this plan for your home. The Select Home Warranty has nine years of industry experience, and they give free roof leak coverage with every plan they sell.
- Free roof leak coverage with all plans
- Quality workmanship on all repairs
- Good experience in the industry
- Some of the covered items have lower policy limits
- It won’t protect some high-end appliances or systems
Plans and Pricing
There are three Select Home Warranty plans to choose from, an appliance plan, systems plan, and a combo or comprehensive plan. The Platinum Care Plan is the best financial decision as it only costs a few dollars more, yet it has almost double the coverage associated with the policy. The Select Home Warranty also has a very low service fee associated with its home warranty plan.
- Gold Care: $41 per month
- Bronze Care: $41 per month
- Platinum Care: $47 per month
- Service Fee: $65
One of the ways that Select Home Warranty keeps the price of its plan down is it limit the coverage a bit. The number of covered appliances and systems won’t be as broad with the Select Home Warranty policy. Some of the most popular coverage for Minnesota residents include . . .
- Heating systems
- Plumbing system
- Electrical systems
What Customers Are Saying
“Compared Select Home Warranty to my existing company and others, and by far Select Home Warranty has the best coverage options and price! Blake was extremely helpful in helping me navigate and save me even more money!!” Source
4. Best Reviewed: Liberty Home Guard
The Liberty Home Guard plan is an excellent choice for those looking for a highly rated home warranty company in Minnesota. After just two years in the industry, Liberty Home Guard has earned an A rating with the BBB. In the home warranty industry, this is almost unheard of. The Liberty Home Guard plan has excellent customer service and repair technicians and handles issues with attention to detail.
- BBB rating of an A
- Very professional employees and technicians
- 60 Day workmanship guarantee
- The add on coverage list is extensive
- Optional plan choices tend to be priced a bit higher than other companies
- Slightly limited coverage without the add ons
Plans and Pricing
Liberty Home Guard has three policies to choose from. The policy choices are very similar to Select Home Warranty. In addition, you will notice that the LHG Total Home Guard plan is the best value of any of the plans offered.
- Appliance Guard: $40 per month
- Systems Guard: $45 per month
- Total Home Guard $49.99 per month
- Service Fee: $60
The coverage of the Liberty Home Guard policy is about average. However, there are so many add-on options that you can truly cover your entire home with LHG. If you are willing to pay a bit extra for these extended coverages or add-on options, you can have things like carpet cleaning, gutter cleaning, and even locksmith fees covered under your plan. Some of the most popular coverage options from LHG include . . .
- Garbage disposal
- Plumbing System
What Customers Are Saying:
“I have nothing but positive things to say about Liberty Home Guard. After fixing our leaking garbage disposal, they followed up with me to make sure the experience was satisfactory.” Source
5. Best Coverage: First Premier Home Warranty
First Premier Home Warranty is the best home warranty for Minnesota homeowners that need extensive coverage. The best way to think of the First Premier Home Warranty is almost like a blanket coverage plan for the entire home. The coverage options are very wide for a company that is so new to the market. In addition, with just over a year on the market, First Premier has managed to earn an A- rating with the BBB.
- BBB rating of A- in less than a year
- Modern technology and long customer service hours
- Wide range of coverage options
- Low overall costs if you pay upfront
- It has not been on the market all that long
- Coverage limits are relatively low
Plans & Pricing
There are only two First Premier Home Warranty options on the market. Similar to Choice Home Warranty, each of these plans will cover a variety of systems and appliances. The service fee for the First Premier Home Warranty is also one of the best prices on the market.
- Premier Plan: $43 per month
- Platinum Plan: $50 per month
- Service Fee: $75
The coverage for First Premier Home Warranty is broad, but the limits are relatively low. If your Minnesota home happens to have high-end appliances or systems in place, you may want to look for something like American Home Shield instead. Some of the coverages that you will find on the AHS PLatinum Plan include . . .
- Water heater
- Plumbing system
“I have only had one claim, but they went above to make sure I was satisfied. The job was completed” Source
6. Best Workmanship: Cinch Home Services
The Cinch Home Services warranty offers the best workmanship in any of the Minnesota home warranty options. Cinch Home Services has been on the market for more than 40 years and has established some great relationships with repair technicians all throughout the country. It does not matter if you live in Minneapolis or St.Cloud; you still get the 180-day workmanship guarantee with the Cinch Home Services policy.
- More than 40 years experience in Oregon
- A very long 180-day workmanship guarantee
- A broad range of coverage options
- Three moderately priced plans
- Higher service fees
- Some negative customer reviews
Plans and Pricing
There are three Cinch Home Services plans to choose from. Each plan allows you to choose between systems coverage, appliance coverage, or combo/comprehensive coverage. The service fee pricing is higher than other companies, but this also helps Cinch Home Services offer a 180-day guarantee on all repairs.
- Appliances plan $44.99 per month
- Built-In Systems Plan: $51.99 per month
- Complete Home Plan: $61.99 per month
- Service Fee: $100-$150
The coverage choices from Cinch Home Services are quite broad. If your number one concern is to ensure that all of your homes have some type of coverage, Cinch Home Services is a great choice to consider. Some of the most popular coverages of a Cinch Home Services plan include . . .
- Septic tank
- Sump Pump
What Customers Are Saying
“I have used another warranty company in the recent past and ended up canceling them because Cinch is a far superior company. I have been extremely happy with how Cinch triages problems, the quick response times, the fine quality of the contractors and technicians they dispatch, the variety of plan options, and the overall professionalism of the phone representatives. Thank you!”Source
Compare Minnesota Home Warranty Providers
|Provider||Visit Site||Best For||Monthly Cost||Service Fee||BBB Rating|
|Choice Home Warranty||Site||Best Overall||$40 - $48||$85||B-|
|American Home Shield||Site||Most Customizable||$50 - $60||$75 - $150||B|
|Select Home Warranty||Site||Most Affordable||$36 - $38||$60||B|
|Liberty Home Guard||Site||Best Reviewed||$40 - $60||$60||A|
|Cinch Home Services||Site||Best Workmanship||$28 - $40||$100 - $150||A-|
|First Premier Home Warranty||Site||Best Coverage||$45||$75|
What You Should Consider Before Buying A Home Warranty in Minnesota
Now that you have the best home warranty companies in the industry narrowed down to just the top 6, you will have a much easier time deciding which is for you. A Minnesota home warranty needs to check all of your boxes for affordability, coverage options, customer service, and more. Three great ways to compare a plan are to look at the overall pricing, BBB ratings, and cancellation fees.
The total price that you pay for a home warranty plan should be affordable enough that just a few repairs around the home will help to justify the costs for the year. When looking at the total price of the plan, you must consider the monthly costs, service fees, and coverage caps.
The BBB Ratings for a company are based on customer reviews and complaints. If a company has a BBB rating of B or better in the home warranty industry, they are doing quite well.
Most home warranty companies have some kind of a fee when you cancel your plan. Most will allow for free cancellation for the first 30 days; after that, the fees are typical $75 to $150. Ensure you understand any fees associated with your home warranty policy before signing up.
Home Warranty Tips for Minnesota Residents
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. Choice Home Warranty, 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.
It doesn’t matter if your Minnesota home is in Minneapolis, St. Paul, Duluth, or Mankato; having home warranty protection for both systems and appliances is a smart idea. With the harsh weather and the normal wear and tear inside a Minnesota home, home warranties help make Minnesota homeownership more affordable.
Home Warranty Regulations in Minnesota
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.
Hopefully, you now feel as though you have a good handle on the different home warranty company offerings in the state of Minnesota. As beautiful as Minnesota can be, owning a home in the state can be quite a bit of stress. Luckily, home warranty companies allow for peace of mind and great savings. Choice Home Warranty stands out as the best overall choice for Minnesota homeowners. Having 13 years in the industry and impressive customer service reviews, Choice stands out among the best on the market.
Review Home Warranties Rating Methodology: How We Chose the Best Home Warranty Companies
At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed-up through routine check-ins. When we picked our best home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what our review process looks like:
- We call every home warranty provider, talking to sales agents and company representatives to gather accurate information on:
- Fine Print
- Plan Options
- Service Contract Details
- Customer Service
- Ratings and Reviews
- Add-On Options
- Additional Benefits
- We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
- We analyze the sample contracts and fine print from each brand we review. This allows us to break down the industry jargon, check for hidden stipulations, and see what is and isn’t covered so we can give readers straightforward information.
- We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other.
From here we created a comprehensive, 100 point, rating scale based on the following factors:
- Plan options (25): Providers that offer more flexibility in their plans are rated higher.
- Coverage specifics (5): The more items covered in a home warranty plan, the higher the score.
- Pricing (25): We take the monthly fee and service fee into consideration when rating pricing.
- Trustworthiness (25): We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
- State availability (5): Finding coverage in your state can be a challenge if home warranty companies aren’t located there. The more states covered, the higher the score.
- Customer service (10): Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service.
- Additional benefits (5): Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher.
Of the 50 different companies that we’ve reviewed, we've broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.