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!
Limited Time: New Customers Get $50 Off
Limited Offer: $50 Off + 1 month free
Limited Time: $150 Off + 2 Free Months + roof coverage
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!
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|
|Liberty Home Guard||From $39.99 to $59.99||$75 flat rate|
|Service Plus||From $45.33 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.
Choice Home Warranty Review (Best Overall 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)
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)
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
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
Service Plus Review
Why Do We Like Service Plus?
Service Plus 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 Service Plus 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, Service Plus 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 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.