Best Home Warranty Companies in North Dakota (2023 Review)

Compare North Dakota Home Warranty Providers

North Dakota Home Warranty Costs 

Homeowners in North Dakota will admit to the fact that the cost of the home warranty plan is going to be the number one determining factor in whether or not that plan will be purchased. Even plans that have excellent coverage can just be too expensive at some point. At Review Home Warranties, we thought that it might be helpful to understand the average costs of a North Dakota home warranty. We did some in-depth research to determine these costs and help to give you a better understanding of what you can expect when shopping for a home warranty. These prices are going to vary based on the size and type of the home that you have invested in. 

North Dakota Home Warranty Companies Reviews

At Review Home Warranties, we have reviewed more than 70 companies to help narrow down the top seven home warranties for North Dakota homeowners. When comparing each of these home warranty companies, we looked at plan options, time in the industry, customer service, coverage caps, customer reviews, service fees, and more. Here is how the top seven home warranty companies in North Dakota ranked. 

1. Best Overall: Choice Home Warranty

Choice Home Warranty is the best overall home warranty policy in the state of North Dakota. This plan has been on the market for the last 13 years, and it is a highly effective and comprehensive home warranty plan. With Choice Home Warranty, you can expect one of the simplest and most straightforward service contracts on the market. Customers will find that dealing with the Choice Home Warranty customer service team is quite simple, and the overall pricing of the plan is fair. 

 Plans and Pricing 

Chome Home Warranty only offers two plan choices which can be considered rare. However, the Basic Plan and the Total Plan are both going to have appliance and system coverage. Most home warranty companies charge a premium for combo plans like this, but it comes standard with Choice. 

Coverage

The coverage caps associated with the Choice Home Warranty plan are going to be quite high. The caps could reach $2000 or more depending on the covered item. If your North Dakota home has high-end systems and appliances, these higher coverage caps will be helpful. Some of the most popular coverages under the Choice Home Warranty plan include . . . 

• Plumbing system 
• Washing Machine
• Water Heater
• HVAC system
• Oven   

What Customers Are Saying: 

“Choice always gets a service provider out to our house as soon as they can. Sometimes the back and forth between the provider and choice, but they always repair the problem. Have only had one issue with a provider and choice stepped up and got the problem fixed as soon as possible.” Source

2. Best Reviewed: Liberty Home Guard 

The Liberty Home Guard plan is an excellent choice for those looking for a valuable and highly rated company in the state of North Dakota. The Liberty Home Guard plan has only been on the market for two years, yet the BBB rating is an A. Liberty Home Guard has a long list of add-on coverages, and they are known for responding to homeowner requests both quickly and efficiently. The Liberty Home Guard plan is an excellent choice for those who don’t mind paying more for extensive coverage. 

Plans and Pricing

The Liberty Home Guard pricing is very fair. You will find that the Total Home Guard plan is something that covers both systems and appliances and will give you peace of mind about the majority of your home. In addition, the service fee is only $60, making it one of the more fair options on the market.

Coverage: 

The coverage options from Liberty Home Guard are average; however, you can add a significant number of coverages to help make the plan more comprehensive. These coverages come at an additional cost. Most North Dakota homeowners appreciate these coverages included with the Total Home Guard plan. . . . 

• Garbage disposal
• Washer
• Air Duct
• Water Heater 
• HVAC

What Customers Are Saying: 

“We were really impressed with how ***** handled our request. He was easy to talk to and very efficient in providing the necessary support and service. We can honestly say that this was the fastest, most efficient service ever received and would definitely recommend to family and friends. Thank you.” Source

3. Most Customizable: American Home Shield 

American Home Shield is the most customizable plan for North Dakota homeowners. With the American Home Shield plan, you can customize the coverages that you have in order to ensure that it is a perfect fit for your North Dakota home. American Home Shield has been in the industry for more than 50 years, and they are considered true leaders in the home warranty industry. If you are worried about getting only the most premium coverage for your home warranty, American Home Shield is the plan to go with. 

Plans & Pricing

The American Home Shield plans are some of the higher-priced plans out there. However, with the American Home Shield plan, you also get the choice to customize your pricing. The higher service fees can be lowered if the monthly costs are increased. Having this kind of flexibility in the home warranty plan is a tremendous benefit. 

Coverage 

Similar to the Choice Home Warranty plan, American Home Shield has some very high coverage caps and limits. American Home Shield will be a great choice for high-end systems and appliances. In addition, some of the add-on coverages can be helpful, especially for pool and spa owners.  Some of the coverages that homeowners tend to include are . . . 

• Heating system 
• Refrigerator
• Dishwasher 
• Oven
• Garbage DIsposal 

What Customers Are Saying

“I've been with American Home Shield for 15 years and have always been pleased with the service they provide. Their service providers are usually vetted, respond quickly, and are skilled in what they do. The couple of times that I had an issue with the contracted service provider, AHS extended their apologies and noted my account to refrain from sending that particular provider to my home again. That has only happened twice in 15 years. So overall, I am extremely pleased with the service I get for the minimal price I pay.” Source

4. Most Affordable: Select Home Warranty 

Select Home Warranty is the most affordable home warranty in the state of North Dakota. North Dakota residents that want home warranty coverage that does not break the bank will love what Select Home Warranty has to offer. The Select Home Warranty has an excellent reputation and impressive overall coverage options with nine years in the industry. Each of the Select Home Warranty policies comes with free roof leak coverage. Overall if you are worried about the financial implications of investing in a home warranty, Select Home Warranty can help. 

Plans and Pricing

The Gold Care and Bronze Care plan from Select Home Warranty will help cover systems or appliances. The Platinum Care Plan is a comprehensive policy that takes care of both systems and appliances. For just a few dollars more per month, the Platinum Care plan is the best overall option for homeowners.  

Coverage: 

Select Home Warranty has slightly lower than normal coverage caps. The lower coverage caps are not going to negatively impact most homeowners. However, if you are worried about having to pay anything out of pocket for a repair or replacement, you may want more premium coverage.   Some of the coverages included with the Platinum Care plan include... 

• Heating systems 
• Cooktops
• Ceiling fans
• Refrigerators 
• Electrical systems 

What Customers Are Saying

“I have used Select Home warranty a couple of times, and they do not disappoint. I have had great experiences with their service, and they always make sure I am happy!” Source

5. Best Workmanship: Cinch Home Services 

The Cinch Home Services warranty offers the best workmanship for a home warranty plan in the state of North Dakota. With the Cinch Home Services plan, you will get a 180-day workmanship guarantee with any repair or replacement. The Cinch Home Services plan has been an option for homeowners for the last 40 years. During this time, the plan has increased the coverages offered and helped thousands of more homeowners across the country. Cinch is a reputable company that has some of the highest quality repair technicians and providers on the market. 

Plans and Pricing

Cinch Home Services plans tend to come with a high service fee. The high service fee price likely has to do with the impressive workmanship. If you are worried about the costs of individual repairs, keep this in mind. 

Coverage

The coverage for Cinch Home Services is quite good. Coverage caps are fair, and the overall list of coverages is impressive. If you need to add on coverages to protect things like a swimming pool or spa, Cinch Home Services has options for you. Some of the most popular coverages under the Cinch Home Services policies include . . . 

• Septic tank
• Sump Pump 
• Ice Maker
• Refrigerators
• Plumbing System  

What Customers Are Saying

“Wonderful experience, hassle-free claim service when needed. I have had no regrets with my coverage for thirteen years and counting.” Source

6. Best Coverage: First Premier Home Warranty 

First Premier Home Warranty is the best home warranty for North Dakota homeowners that are looking for extensive coverage. The First Premier Home Warranty will cover a variety of home systems and appliances for a very low monthly cost. If you have had a hard time deciding on the coverages for your home warranty plan, First Premier Home Warranty can help. With fast response times and fair pricing overall, the First Premier Home Warranty is a great choice to get your home completely covered. This is a relatively new company, but they have already earned an impressive A- rating with the BBB. 

Plans & Pricing 

With the First Premier Home Warranty, you can save quite a bit of money if you pay for a few years of the plan upfront. Although this can be a bit of commitment to make to a company, the pricing will be well worth it. 

Coverage

The First Premier Home Warranty has many items covered under the plan. Even the basic Premier Plan has 15 covered items. However, the coverage caps on these items are a bit lower than you can expect with other home warranty plans. This is due to the fact that the First Premier Home Warranty is more about a variety of coverage as opposed to depth of coverage. Some of the coverages included under the Platinum Plan include . . . 

• Refrigerators
• Oven
• Water heater
• Plumbing system
• Stovetop 

What Customers Are Saying 

“Filed a claim over the weekend. First premier had someone out Sunday morning and was able to approve my claim that same day for a new dishwasher. Thank you, guys.” Source 

7. Best Emergency Service: ServicePlus Home Warranty 

ServicePlus Home Warranty is the best option for emergency service in North Dakota. If it is the middle of a North Dakota winter and your heating system stops working, you will be glad that your home warranty has an option for emergency service. The ServicePlus home warranty will sometimes be able to fix an issue within a 24 hour time period. The ServicePlus home warranty workmanship is quite good; they want to be the most efficient home warranty company on the market. 

Plans and Pricing

The ServicePlus home warranty has two plans to choose from. The Platinum Plan is something that offers homeowners comprehensive coverage and more extensive plan choices. Choose the Platinum Plan if you are worried about the coverage for your North Dakota home. 

Coverage

Coverage from ServicePlus is fair, especially for the pricing that it is offered. If you want fast service and are worried about emergencies, the ServicePlus home warranty can help. Some of the most popular coverages under the Rhode Island home warranty are . . .

• Dishwasher
• Garbage disposal
• Electrical system
• Plumbing System  
• Refrigerator 

What Customers Are Saying:

“I called in for a claim last Tuesday; my kitchen dispenser stopped working. They sent someone on Friday to have a look at it; the person checked it out, then called them in to explain what he needs to do, and left. Yesterday they called again, the claim was processed, and the guy came back with a replacement. In the end, I only paid a bit for my side of the cost, and that was it. Sweet and simple..”  Source

What You Should Consider Before Buying A Home Warranty in North Dakota

Now that you have a better understanding of which home warranty companies are the best in North Dakota, it’s time to narrow things down and choose the best for your home. There are a few indicators that you can use to separate one plan from another. These are plan choices, service fees, and workmanship guarantee. Here is what you should be looking for when choosing a home warranty plan in ND. 

Plan Choices

All home warranty companies will have two or three plan options to choose from. The smartest thing for North Dakota homeowners to do is to take a walk around the home and write down the coverages that are most important to them. When you have an idea as to which coverages will benefit you the most, then the key is to find a plan that most closely matches this list. For complete plan customization, you will have to go with American Home Shield. 

Service Fees

The service fees are the prices that you pay each time a home warranty repair or replacement is done at your home. The service fees range in price from around $60 to over $150. The service fee is an unavoidable reality of a home warranty plan. However, you should be paying attention to what these fees are so that you can afford them should an issue come up. 

Workmanship Guarantee

The workmanship guarantee will help homeowners who are concerned about the quality of service that they receive with a home warranty plan. When a repair is completed, the workmanship guarantee will state how long the repair is covered. Most home warranty companies have at least a 60-day workmanship guarantee. Cinch Home Services has an industry-leading 180 days. 

Home Warranty Tips for North Dakota Residents

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. 

Read Also: How Can You Best Protect Your Furnace in North Dakota?

Geography & Location

North Dakota is located in the midwestern area of the United States. It shares its borders with Montana, South Dakota, Minnesota, and Canada. 

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.

Take a look at this video made by a realtor. In it, she explains when homeowners benefit from a home protection plan.

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.

Final Thoughts

We hope that you now feel ready to choose a home warranty in the state of North Dakota. As a North Dakota resident, there are so many great options out there that it takes some work and some knowledge to narrow it down. The Choice Home Warranty stands out as the best overall option for North Dakota homeowners. With the Choice Home Warranty in place, you are going to be getting impressive incredible customer service, high-value coverage, and fair pricing with each plan. Whether you are new to North Dakota homeownership or have been in your home for 50 years, the Choice Home Warranty plan can still help. While you are getting your quotes for your home warranty, it makes sense to research a few different companies. Even though Choice Home Warranty stands out as the best, there could be other options that give you a better deal for your first year of business. 

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 North Dakota Homeowners and Home Buyers

• North Dakota Housing Finance Agency: The North Dakota Housing Finance Agency will help those that are ready to make the leap into homeownership. This organization helps with mortgage financing and homeowner education. 
• Homeownership Assistance North Dakota: The US Department of Housing and Urban Development can help North Dakota homeowners and homebuyers considering purchasing a home. HUD helps from a financial and educational standpoint and is a federal resource for homeowners and homebuyers. 
• US Department of Agriculture Rural Development: For North Dakota homeowners that are considering purchasing rural land, the US Department of Agriculture Rural Development will offer programs and assistance. This is a resource that is worth considering before you make your final purchase in rural North Dakota. 
• City of Fargo Planning and Development: Fargo is one of the more popular areas in North Dakota to live. With the help of the City Of Fargo Planning and Development, homeowners can get an education, help with building a home, and information about taxes and other resources.
• Red River Valley Community Action: The Red River Valley Community Action is there to help those that are looking for weatherization, finance help, affordable housing, and more. If you think in this area, be sure to always consider the help available on the city, state, and federal levels.

Recap of Our Top Picks In North Dakota 

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  # 1 Our Top Choice Choice Home Warranty

Editorial Rating 98.50

• $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

Choice Home Warranty Review

Visit Website (929) 400-6169

  # 2 Liberty Home Guard

Editorial Rating 98.00

• $200 off + 1 Month Free + Free Roof Coverage!
• BBB's Only A+ Accredited Home Warranty Company!
• Newly designed customer claim portal
• Lower chance of claim denial
• Multiple optional coverage items
• 24/7 service calls

Liberty Home Guard Review

Visit Website (866) 472-3812

  # 3 American Home Shield

Editorial Rating 97.60

• 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

American Home Shield Review

Visit Website (866) 464-7521

  # 4 Select Home Warranty

Editorial Rating 97.20

• $150 off + 2 months free
• FREE Roof Leak Coverage
• Good selection of plans

• Must file claims within 3 days
• $75 cancellation fee

Select Home Warranty Review

Visit Website (888) 370-3954

  # 5 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

  # 6 First Premier Home Warranty

Editorial Rating 95.10

• Lower chance of claim denial
• Multiple optional coverage items
• 24/7 service calls

• Limited plan selection
• Online chat not supported

First Premier Home Warranty Review

Visit Website 929-360-2558

  # 7 The Home Service Club

Editorial Rating 94.90

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

• Higher fee for contract transfer
• Fewer contractors available
• Limited plan selection
• 1 day to submit a claim

The Home Service Club Review

Visit Website (855) 498-4719