Best Home Warranty Companies in Minnesota (2023 Review)

Compare Minnesota Home Warranty Providers

Minnesota Home Warranty Costs 

One of the most important decision-making factors when choosing a home warranty is the cost of the warranty. Depending on the coverage you choose, the service fees, the coverage caps, and the type of home you own, costs will vary considerably. Choosing a Minnesota home warranty based on cost alone is difficult. But it should factor into your decision. At Review Home Warranties, we realized how important it is for Minnesota homeowners to have an idea of the average costs of home warranties throughout the state. We did some in-depth research and compared all plans to come up with our averages. These averages are for all types of Minnesota homes. 

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. 

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. 

Coverage

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
• Oven   

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. 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.  

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. 

Coverage: 

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
• Washer
• Dishwasher 
• Plumbing System 
• HVAC

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

3. 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. 

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. 

Coverage 

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 
• Refrigerator
• Washer 
• Oven
• 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

4. 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. 

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. 

Coverage: 

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 
• Cooktops
• Plumbing system 
• Dryer 
• 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

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. 

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. 

Coverage

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 . . . 

• Refrigerators
• Oven
• Dishwasher 
• 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. 

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. 

Coverage

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 
• Oven
• Refrigerators
• Dishwasher 

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

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. 

Overall Pricing

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. 

BBB Ratings 

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. 

Cancellation Fees 

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.

Final Thoughts

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: 
  • Availability 
  • Pricing
  • Coverage
  • Fine Print 
  • Plan Options  
  • Service Contract Details 
  • Customer Service
  • Trustworthiness
  • Ratings and Reviews 
  • Add-On Options 
  • Promotions
  • 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.

Resources for Minnesota Homeowners and Home Buyers

• First-Time Homebuyer Plymouth, MN: Plymouth, MN is a great spot to live. If you are on your path to finding your new home, take a look at what this Minnesota city offers. Sometimes all it takes is a bit of help on a down payment or a rebate to make homeownership a reality. 
• Homebuyers Handbook For Minnesota: There are many steps to the home purchase process, and making sure that you have those steps all covered is stressful. Luckily the Homebuyers Handbook is a great option to consider for those that are ready and willing to purchase a home. 
• Minnesota Home Buying: Minnesota Home Buying is a resource that will help anyone that wants to purchase a home in Minnesota. The great thing about this website is that you will have lots of frequently asked questions that other homeowners may have had. 
• St.Paul Homebuyer and Homeowner Resources: If you own a home in St.Paul or are thinking of purchasing one in this location, the resources found here will be a tremendous benefit. Take a look at the fact sheets that help you plan every aspect of your home buying experience.
• Minnesota Weatherization: For Minnesota homeowners that are looking to protect their homes from harsh Minnesota winters or apply certain energy upgrades to a home, the Minnesota Weatherization is a great resource to consider. With these resources, you can get your home ready for a warranty.

Recap of Our Top Picks In Minnesota

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  # 1 Our Top Choice Liberty Home Guard

Editorial Rating 98.00

• $200 off + 1 Month Free + Free Roof Coverage!
• BBB's Only A+ Accredited Home Warranty Company!
• 60-day workmanship guarantee compared to the average of 30 days.
• More than 20 options, including window washing, swimming pools, and irrigation.
• 24/7 service calls

Liberty Home Guard Review

Visit Website (866) 472-3812

  # 2 Cinch Home Services

Editorial Rating 95.30

• First 2 Months Free on all Plans! (exclusions apply)
• Industry-leading 180-day workmanship guarantee
• $500 Homeowner insurance deductible reimbursement
• Thousands of reliable & fast local service providers
• 24/7 customer service
• Low cancellation fee

Cinch Home Services Review

Visit Website (855) 995-1294

  # 3 The Home Service Club

Editorial Rating 94.90

• Lower chance of claim denial
• 24/7 service calls
• Great promotions available
• Market veteran

The Home Service Club Review

Visit Website (855) 498-4719

  # 4 ServicePlus Home Warranty

Editorial Rating 95.10

• $200 OFF + 2 Months Free
• Free Roof Coverage
• Comprehensive coverage plans

• 1 day to submit claim
• Limited availability

ServicePlus Home Warranty Review

Visit Website (267) 824-4010

  # 5 Complete Care Home Warranty

Editorial Rating

• Lower chance of claim denial
• 24/7 service calls
• Great promotions available

Complete Care Home Warranty Review

Visit Website

  # 6 America’s 1st Choice Home Club

Editorial Rating 96.50

• 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

America’s 1st Choice Home Club Review

Visit Website (877) 755-1115