Are you shopping for a home protection plan for your North Dakota retreat? You’ve come to the right place!
We can’t lie and tell you picking the right coverage is easy. It is a significant purchase, and you are probably wondering if you even need one and how it will benefit you.
So, we put together a guide which should make things a lot simpler. Keep reading to find answers to essential questions like:
- Do you even need a home warranty in North Dakota?
- What do you need to consider when buying a home service plan in ND?
- Are there any specific items you should cover in your North Dakota home?
- And more!
After reviewing 68+ home warranty companies, we are proud to present the top 7 for North Dakota residents. Want to make sure you pick the best company to protect your home and wallet? Keep reading!
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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.
North Dakota is the kind of place you have to experience to appreciate. People who have never visited probably think there is not much to do, but all you have to do to enjoy yourself is take in the natural beauty.
However, there are some concerns you have living in the Peace Garden State. The conditions, location, and other aspects affect you as a property owner.
Covering your property with a home service plan from one of the best home warranty companies in North Dakota gives you peace of mind.
Who Needs A Home Warranty in North Dakota?
It does not matter if you live in Bismarck or Fargo, if you are like most homeowners, you need a North Dakota home warranty. However, property owners are not the only ones who need a top-rated home service provider.
Top 7 Best Home Warranty Companies in North Dakota
Homeowners & Homebuyers
When you are a homeowner, you have a lot on your plate. You have to pay for maintenance, repairs, taxes, yard service, HOA fees, mortgage payments, and homeowners insurance policy payments.
All of that can add up quickly, and many new home buyers end up house broke for a while until they can fit all of those required payments into their budget and rebuild their savings.
Top 5 Best Home Warranty Companies In North Dakota
|North Dakota Company Name||Premium Per Month||Deductible|
|Choice Home Warranty||From $36.17 to $43.85||$85 flat rate|
|American Home Shield||From $49.99 to $59.99||From $75-$125|
|Select Home Warranty||From $35.83 to $37.50||$75 flat rate|
|Total Home Protection||From $45.33 to $52||$75 flat rate|
|Amazon Home Warranty||From $42 to $52||$75 flat rate|
In some places, it might be okay for a homeowner to live without a water heater or heating system, but at your home, that is not the case. Home warranty plans help to ensure that you will have help when a covered item is not working correctly.
Home sellers & Real Estate Agents
Once a property is under contract, there are specific terms each party must follow. It is not uncommon for buyers and sellers to get pretty heated during negotiations, especially if something goes wrong with the home inspection or even worse, an appliance breaks before the home closes.
Best Home Warranty in North Dakota?
Choice Home Warranty is our top pick for North Dakota. Why? Your heating system is included in both the Basic Plan and the Total Plan, an essential home system in ND.
While in escrow, it is the owner's responsibility to maintain the property. If something malfunctions, the seller must fix it before the home closes or reduce the price of the house so the buyer can restore the property.
Renters & Landlords
So many tenant-landlord disputes are over maintenance. Tenants pay for someone else to handle repairs, so they feel like the landlord should be diligent.
In some cases, landlords run out of money or simply do not have time to hire qualified repair technicians. The result is an angry tenant, and rightfully so.
No one wants to be stuck in a property they do not own without working appliances. Plus, when you are renting, you do not want to spend your money on the repair because you could lose your money.
Home protection plans help to ease both property owners and renters. The tenant knows the home will be taken care of, and the landlord has a powerful tool to ensure their investment is in good condition, and they can continue to collect rent.
What Should You Think About When Purchasing A Home Warranty in North Dakota?
In North Dakota, you have some serious thinking to do before you commit to a plan. Some of your home's systems and appliances are a necessity due to the weather, geography, and location of your home.
Weather & Climate
The annual temperatures in North Dakota are between 27 and 43 degrees. It gets much colder and warmer than that though at various times during the year.
For the most part, you will rarely need to turn the air conditioning on in your home. However, you will need your HVAC system, because, without central heating, it will be very challenging to maintain a safe temperature in your home when temperatures are below freezing.
Geography & Location
In the state, geographic regions include the Badlands and Great Plains in the southwest, the Red River Valley in the east, and the Missouri Plateau in the west. These geographic features give North Dakota varying terrains and a lot of open space between small towns.
Luckily, no matter where you're located in North Dakota, a contractor can reach you wherever you need them. Like Choice Home Warranty, the top companies in the industry have an extended network of service providers to diagnose and repair your systems or appliances. Specifically, in North Dakota, one of Choice's 25,000 independent contractors will be sent to assist you with covered maintenance.
What Will A Home Warranty Cost A Resident Of North Dakota?
To cover your North Dakota home with a quality home warranty plan, you can expect to spend around $500 per month. However, programs range from about $350 to $700 a year, and if you add coverage for a septic system, air conditioner, trash compactor, central vacuum, or a well pump, it could cost more.
What Types Of Plans Are Available For You In North Dakota?
Understanding what items each plan type includes is vital because it can help you pick the right plan. There is nothing worse than investing in a home protection service only to realize that it did not include in the item that needs repairs.
The top home warranty companies in North Dakota offer appliance, systems, and combo plans, as well as a wide variety of add-oncoverage options. Some companies only sell combo plans and those that do usually sell them as two or three tiers of coverage.
The companies that offer appliances or systems plans usually provide a combo package that includes both, as well.
Is A Home Warranty Worth It In North Dakota?
Yes! A home warranty is not only worth it; it is a necessity. Homeowners in states like North Dakota, Alaska, Minnesota, Michigan, New York, South Dakota, and others where the winters are dangerously cold, have to think about the health and well-being of their families.
You can't afford to have a broken heating system. So, if you do not have enough money for total system replacement costs, if yours breaks, it is not just worth it to have a home warranty, it is critical.
If you are wondering if you will get your money's worth out of your plan, the answer is also yes. While you might not need a significant system replacement every year, you will likely need at least a few repairs.
Even a simple plumbing stoppage can cost you $300 or more. Most entry-level combo plans cover home repairs for ductwork, plumbing systems, cooktops, dishwashers, garbage disposals, garage door openers, electrical systems, and others for little more than one repair bill.
Take a look at this video made by a realtor. In it, she explains when homeowners benefit from a home protection plan.
What Are The Home Warranty Regulations In North Dakota?
Unfortunately, North Dakota does not have clear regulations for home service companies. If you do have issues with a provider, you can make a general complaint to the Department of Insurance (DOI).
However, home warranty providers do not have to register with the DOI. That means you have to make sure you choose a trustworthy company.
How To Choose Coverage In North Dakota (Is It Unique)?
When choosing between coverage options, you need to consider several things, including what items to cover, how much you can spend on your plan, what companies have the best contractors in your area, and more.
So, here are a few steps to help you choose the best coverage for your North Dakota home. These steps apply to anyone shopping for a home warranty plan.
Step 1: Request Free Quotes
By the time you finish reading our review, you should know exactly what coverage options you want. So, the first step in choosing coverage is to get a quote from a few home warranty providers. The quotes will give you a good idea of how much it will cost to cover your property with each provider.
Step 2: Review Coverage Options and Read The Fine Print
Once you have your quotes in hand, you need to review the included items in each plan. You also must read the fine print. What are the coverage limits for each system?
Some companies have a yearly cap and the same limits, no matter what home appliances or systems need repairs. However, most allow homeowners different replacement costs depending on the item.
So, it is essential to check that information. You also want to compare service times, contractor labor guarantees, and service fees.
Step 3: Read Home Warranty Reviews
Reading home warranty reviews from consumers in your area can help you determine what companies you are considering cover for people in your area. Consumer reviews are one of the last things you should consider, but you cannot base your decision solely on what you read.
Companies with more customers and those that have been in business for longer times will have more reviews. Customers are also more likely to make reports when they are unhappy, so large numbers of happy customers may be underrepresented.
Top Home Warranties For North Dakota Reviewed
Now that you have all of the information you need to pick the perfect home protection plan, you need to know which companies offer the best home warranties in North Dakota. So, take a look at our top picks below.
#1 Choice Home Warranty
Choice Home Warranty is our top choice for North Dakota residents. The plans are affordable and beneficial for homeowners in cold climates.
Both the Basic Plan ($36.17 per month) and the Total Plan ($43.85 per month) include heating systems. The Basic Plan includes more than a dozen home systems and appliances, and the Total Plan adds coverage for air conditioners, refrigerators with ice makers, and clothes washers and dryers.
There are also add-ons available for appliances and systems not included in the plans, and the service fees are just $75 per call.
- Both plans include heating systems.
- The service fees are set at $75 per service request.
- Contractor labor is guaranteed for 90 days.
- Service call times may be longer in North Dakota.
- Older appliances may not be covered.
- There are low replacement limits on some items.
#2 American Home Shield
American Home Shield (AHS) is one of the oldest home warranty plan providers. It opened for business in 1971, and thousands of homeowners, realtors, and landlords trust AHS to protect their properties.
We like AHS because it has a proven record of success, a vast network of qualified providers, and some of the most customizable plans available. Coverage starts at $49.99 for systems or appliance coverage, build-your-own plans are $54.99 (includes 10 items), and combo plans are just $59.99 a month.
- AHS offers customizable plans.
- You have the option of choosing your own service fees.
- Consumers have success with claims on older appliances.
- AHS is one of the more expensive providers.
- Reservice for contractor work is only free for 30 days.
- Your contract renews automatically 30 days before your contract ends.
#3 Select Home Warranty
For North Dakota property protection, Select Home Warranty is our third choice. It is a newer company, but the plans are budget-friendly and offer comprehensive coverage.
You can choose between three plans. The Bronze and Gold Plans each cost $35.83 per month and cover home appliances and systems, respectively. The Platinum Plan is Select Home Warranty's combo plan, and it starts at $37.50.
- The plans are affordable.
- The service fees are $75 per call.
- Plans include limited roof leak protection.
- Select has a smaller network of home warranty workservice contractors.
- Service appointments may take longer.
- You have to submit claims within three days.
#4 Total Home Protection
Total Home Protection is another newer home protection company. However, it offers superior coverage for septic systems, well pumps, sump pumps, and other alternative plumbing systems.
The two plans offered by Total are combos. The Gold Plan ($45.33 per month) covers more than 15 appliances and home systems, and the Platinum Plan ($52 per month) which adds protection for additional components like your air conditioner, refrigerator, washer and dryer, and others.
- You can cover more than a dozen home components for $45.33 per month.
- Total Home Protection offers superior septic system coverage.
- The service fees are $75.
- The plans are more expensive than some competitors.
- Total only has 4 years of experience as a home warranty provider.
- There may be service call delays in North Dakota.
#5 Amazon Home Warranty
The last company on our list of the best home warranties in North Dakota is Amazon Home Warranty that offers coverage plans at a competitive price. Their BBB rating of an A+ makes them a reliable, but a trustworthy company for homeowners from Bismark to Grand Forks.
The coverage options include an appliance, systems, and combo plan, and they start at just $42 per month. Service fees are $75 per request. You can add protection for items not included in your plan, additional heating system and additional ac system, stand-alone freezer, whole home water softener, and second refrigerator.
- Coverage starts at under $42 per month.
- Service fees are $75 per call.
- Amazon Home Warranty has a positive rating with the BBB of A+.
- Some customers report additional fees.
- There may be service call delays.
- Cinch may not cover your older appliances.
Final Thoughts On Home Warranties In North Dakota State
The truth is, North Dakota homeowners do need a quality home warranty plan. The climate is unusually cold, and depending on where you live in the state, you may not have access to many qualified service technicians.
Your home warranty coverage will give you peace of mind that you can handle essential repairs quickly no matter what. Now that you know how to choose coverage, what home components you need to include, and the companies that offer the best home warranties in North Dakota, all you have to do is request a few free quotes and pick the perfect plan.