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Best Home Warranty Companies in Minnesota (2023)

By Stephanie Koncewicz 11/22/2023

Worried about paying for unexpected repairs if your home’s major appliances and systems break down? A home warranty can help. These contracts cover repair and replacement costs when systems and appliances malfunction from regular use. Our team reviewed the best home warranty companies nationwide, then chose the top home warranty providers available in Minnesota.

VISIT SITE $200 Off + 2 Months Free + Roof Leak Protection
Monthly Cost $49–$59
Service Fee $65–$125
BBB Rating A
States Covered 50
VISIT SITE $150 Off Any Plan
Monthly Cost $49–$109
Service Fee $100–$125
BBB Rating B
States Covered 48
VISIT SITE Use code HOUSE25 for $150 off & 2 months free
Monthly Cost $44–$47
Service Fee $60–$75
BBB Rating B-
States Covered 47
VISIT SITE $200 off + roof leak coverage + lifetime parts and labor
Monthly Cost $34–$53
Service Fee $75–$125
BBB Rating B
States Covered 49
VISIT SITE $200 Off + 2 Months Free + Roof Leak Protection
Monthly Cost $49–$59
Service Fee $65–$125
BBB Rating A
States Covered 50
VISIT SITE $150 Off Any Plan
Monthly Cost $49–$109
Service Fee $100–$125
BBB Rating B
States Covered 48
VISIT SITE Use code HOUSE25 for $150 off & 2 months free
Monthly Cost $44–$47
Service Fee $60–$75
BBB Rating B-
States Covered 47
VISIT SITE $200 off + roof leak coverage + lifetime parts and labor
Monthly Cost $34–$53
Service Fee $75–$125
BBB Rating B
States Covered 49

Minnesota’s Top 5 Home Warranty Companies

The best home warranty companies in Minnesota provide comprehensive coverage, offer affordable payment options, and have excellent customer service teams to answer service requests 24/7. The highest-rated Minnesota home warranty companies include the following:


Summary of the Best Home Warranty Companies in Minnesota

Best For Monthly Cost Service Fee Response Time BBB Rating Link
American Home Shield American Home Shield Best for Comprehensive Coverage $49–$109 $100–$125 Up to 48 hours B VISIT SITE
Liberty Home Guard Liberty Home Guard Best Customer Ratings $49–$59 $65–$125 Up to 48 hours A VISIT SITE
First American Home Warranty First American Home Warranty Best Appliance Coverage $42–$82 $75–$125 4-48 hours B VISIT SITE
AFC Home Club AFC Home Club Best for Customization $34–$53 $75–$125 24-48 hours B VISIT SITE
Cinch Home Services Cinch Home Services Best Additional Perks $47–$64 $100–$150 2-24 hours B VISIT SITE
American Home Shield
Logo American Home Shield
Best For Best for Comprehensive Coverage
Monthly Cost $49–$109
Service Fee $100–$125
Response Time Up to 48 hours
BBB Rating B
VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Best For Best Customer Ratings
Monthly Cost $49–$59
Service Fee $65–$125
Response Time Up to 48 hours
BBB Rating A
VISIT SITE
First American Home Warranty
Logo First American Home Warranty
Best For Best Appliance Coverage
Monthly Cost $42–$82
Service Fee $75–$125
Response Time 4-48 hours
BBB Rating B
VISIT SITE
AFC Home Club
Logo AFC Home Club
Best For Best for Customization
Monthly Cost $34–$53
Service Fee $75–$125
Response Time 24-48 hours
BBB Rating B
VISIT SITE
Cinch Home Services
Logo Cinch Home Services
Best For Best Additional Perks
Monthly Cost $47–$64
Service Fee $100–$150
Response Time 2-24 hours
BBB Rating B
VISIT SITE
Best For Monthly Cost Service Fee Response Time BBB Rating Link
American Home Shield American Home Shield Best for Comprehensive Coverage $49–$109 $100–$125 Up to 48 hours B VISIT SITE
Liberty Home Guard Liberty Home Guard Best Customer Ratings $49–$59 $65–$125 Up to 48 hours A VISIT SITE
First American Home Warranty First American Home Warranty Best Appliance Coverage $42–$82 $75–$125 4-48 hours B VISIT SITE
AFC Home Club AFC Home Club Best for Customization $34–$53 $75–$125 24-48 hours B VISIT SITE
Cinch Home Services Cinch Home Services Best Additional Perks $47–$64 $100–$150 2-24 hours B VISIT SITE
American Home Shield
Logo American Home Shield
Best For Best for Comprehensive Coverage
Monthly Cost $49–$109
Service Fee $100–$125
Response Time Up to 48 hours
BBB Rating B
VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Best For Best Customer Ratings
Monthly Cost $49–$59
Service Fee $65–$125
Response Time Up to 48 hours
BBB Rating A
VISIT SITE
First American Home Warranty
Logo First American Home Warranty
Best For Best Appliance Coverage
Monthly Cost $42–$82
Service Fee $75–$125
Response Time 4-48 hours
BBB Rating B
VISIT SITE
AFC Home Club
Logo AFC Home Club
Best For Best for Customization
Monthly Cost $34–$53
Service Fee $75–$125
Response Time 24-48 hours
BBB Rating B
VISIT SITE
Cinch Home Services
Logo Cinch Home Services
Best For Best Additional Perks
Monthly Cost $47–$64
Service Fee $100–$150
Response Time 2-24 hours
BBB Rating B
VISIT SITE

BBB ratings are accurate as of October 2023.

Home warranty plan pricing in this article is based on a 2,670-square-foot, single-family home in Minneapolis, Minnesota. Your monthly premium may vary based on your home’s location, size, type and your plan and add-on choices.

Why Trust Us? Our review and rating process for the best home warranty companies
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Companies Considered
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Homeowners Surveyed
57000
Reviews Analyzed
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Coverages Compared

American Home Shield

Best for Comprehensive Coverage
4.4 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

American Home Shield (AHS) is our top choice for home warranty providers in Minnesota. AHS includes comprehensive coverage caps per covered item and covers items with preexisting conditions. AHS also covers rust, corrosion, and sediment damage.

Why We Chose American Home Shield

We awarded AHS a 4.4 out of 5 stars in our review standards and chose it as our top pick. The company offers three comprehensive coverage with multiple service fee options. AHS also offers rust, corrosion, and sediment damage coverage, typically excluded from other plans. AHS makes an excellent choice for homeowners who own older systems and appliances. 

Pros and Cons

Pros Doesn’t limit the number of repairs allowed during the contract period Doesn’t require a home inspection before granting coverage Offers a 30-day workmanship guarantee Cons Doesn’t offer an appliance-only plan Only offers monthly premium plans Requires immediate claims filing for any detected issues

Plans and Pricing

American Home Shield provides three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. Its lowest plan, SheildSilver, includes a $5,000 coverage cap per covered system. Under ShieldGold, you receive added appliance coverage plus a $2,000 coverage cap. ShieldPlatinum provides the most comprehensive coverage and adds more perks to the ShieldGold coverage. Additional ShiledPlatium benefits include an appliance limit of $4,000 and roof-leak coverage.

Our sample quote included a service call fee of $100 or $125. Our monthly premium pricing increased when we switched to the lower service call fee. AHS includes a 30-day workmanship guarantee with its repairs. 

AHS is one of the few companies to only offer monthly premiums. Most home warranty providers include annual and monthly selections. 

Here’s an overview of American Home Shield’s plans below:

  • ShieldSilver ($49.99–$59.99 per month): This plan includes major home systems, such as air conditioning, interior plumbing, and water heaters.
  • ShieldGold ($69.99–$79.99 per month): This plan includes the ShieldSilver coverage and adds appliance protections. 
  • ShieldPlatinum ($99.99–$109.99 per month): The highest tier includes ShieldGold coverage and adds more perks, such as HVAC tune-up and air filter discounts. 
  • Optional add-ons: You can add protection for electronics, pools/spas, guest units, septic pumps, and well pumps.

What To Expect

You can receive a custom quote over the phone or with the AHS online tool. To use the online tool, enter your address, ZIP code, and email address. Next, you can change the quote pricing by selecting your service call fee. Any changes adjust the pricing automatically. 

AHS does not let you choose your own service technicians. Instead, the company sends a technician from its preapproved network. Our team member submitted a claim with AHS to fix a leaky bathroom pipe. The technician arrived the next day and completed the repairs. He was only charged the service call fee for the service. 

After reading dozens of online reviews, we learned that AHS customers liked the speedy claims process but felt the claims reimbursements were lower than expected.

Liberty Home Guard

Best Customer Ratings
4.5 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

Liberty Home Guard (LHG) provides a responsive claims process, accessible customer service, and extensive add-on coverage options. On top of solid customer service, LHG includes a $2,000 coverage cap per covered system, appliance, and optional add-on. LHG also provides a 60-day workmanship guarantee for each completed home repair.

Why We Chose Liberty Home Guard

Liberty Home Guard received a 4.5 out of 5 stars in our rating system. The company provides 38 add-on coverage options along with its excellent customer rating. Homeowners with specific coverage needs should consider LHG. In addition, you receive a 60-day workmanship guarantee, which is twice the length of the 30-day industry standard. 

Pros and Cons

Pros Includes live chat customer support on the company website Offers discounted service fees for multiyear plans Provides 30 add-ons, including pest control and pro-series appliances Cons Does not let you choose your own service provider Excludes high-end appliance coverage in its baseline plans May take up to 48 hours to respond to a claim

Plans and Pricing

Liberty Home Guard offers three service plan options: Appliance Guard, Systems Guard, and Total Home Guard. Unlike providers with flexible service call fees, LHG assigns a service call fee to your account based on your plan, add-on selections, and location. Its service fees range from $65–$125. Most covered items include a $2,000 coverage cap. Electrical and plumbing systems receive a lower $500 coverage limit. All plans include a  60-day workmanship guarantee. 

LHG offers monthly and annual premiums. You’ll pay between $499 and $599 annually. If you choose an annual plan, you receive two additional coverage months.

Here are details on LHG’s plans and optional add-on coverage:

  • Appliance Guard ($49.99 per month): This plan includes refrigerators, cooktops, ranges/ovens/stoves, and eight other appliances.
  • Systems Guard ($54.99 per month): This system-only coverage includes air conditioning, heating, ductwork, plumbing, electrical, and water heaters.
  • Total Home Guard ($59.99 per month): This plan tier includes everything outlined in the Appliance Guard and Systems Guard plans.
  • Optional add-ons: You can choose from 38 options, such as pest control, rekey service, gutter cleaning, floor cleaning, and generator coverage.

What To Expect

Homeowners can receive quotes from a representative over the phone or by using the online tool. For online quotes, you must provide your name, phone number, address, and home type and size. Once you receive your quote, you can switch between annual and monthly premiums and plan types. 

LHG uses its own in-network of service technicians but offers flexibility if it cannot find a technician in your area. 

After analyzing online reviews, we learned that LHG customers appreciated the friendly and knowledgeable customer support team but were disappointed with their reimbursement payouts.

Select Home Warranty

Best Value
4.3 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

Select Home Warranty is another attractive option for Minnesota homeowners who are both budget-conscious and concerned about possible future roof leaks. All of Select’s plans are under $50 in monthly fees and offer roof-leak coverage as a free add-on.

Why We Chose Select Home Warranty

Select Home Warranty rated a 4.3 out of 5 stars, thanks to its affordable plan options. The company also includes low service fees with its plans. Each plan offers a 30-day workmanship guarantee and free roof-leak coverage. Typically, homeowners must pay additional fees to receive roof-leak coverage. 

Pros and Cons

Pros Includes free roof leak coverage Offers seasonal promotions and discounts Prices its plans under $50 Cons Doesn’t offer coverage for unknown preexisting conditions Excludes coverage for tankless water heaters Offers lower coverage caps than many competitors

Plans and Pricing

Select Home Warranty offers three plan options: Bronze Care, Gold Care, and Platinum Care. The two basic plans are available at the same price point but exclusive to systems or appliance coverage. The comprehensive plan covers both for a slightly higher price. Select Home Warranty charges a $60–$75 service call fee each time you file a claim.

Select includes a $3,000 cap for HVAC systems but limits other covered systems to a $500 coverage cap. Select’s plans include a 30-day workmanship guarantee.

The company offers monthly and annual premium options. Annual costs fall between $479 and $524. Select gives you up to $150 off and two additional months of coverage when you choose an annual plan.

Here are more details about Select Home Warranty’s plans:

  • Bronze Care ($44.42 per month): This plan covers eight appliances, such as cooktops, stoves/ovens, and garbage disposals.
  • Gold Care ($44.42 per month): This plan tier includes air conditioning, ductwork, electrical system, heating, plumbing system, and water heaters. 
  • Platinum Care ($47.75 per month): The highest plan includes all items covered by the two basic plans.
  • Optional add-ons: Additional coverage includes central vacuums, lawn sprinkler systems, pools, septic systems, spas, stand-alone freezers, sump pumps, and well pumps.

What To Expect

You can request a quote through the Select customer support team or its website. Select doesn’t require a home address to generate a quote. You just need your ZIP code, name, phone number, and email address. 

Select maintains its own network of service technicians but allows you to choose your own when they don’t have options nearby. However, Select must approve your technicians first. 

Based on online reviews, customers liked the more affordable plan options but had issues reaching the customer service team. They were also disappointed in their claims reimbursements.

AFC Home Club

Best for Customization
4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

America’s First Choice Home Club (AFC Home Club) provides excellent customization options with several add-on options and four distinct plans. The company also has flexible service fees, making it easier to stay within your budget. 

Why We Chose AFC Home Club

We rated AFC Home Club a 4.6 out of 5 stars in our review standards. The company’s plan, service fee, and add-on options allow homeowners to better customize their warranty. AFC Home Club is an excellent choice for homeowners looking for a tailor-made option. 

Pros and Cons

Pros Lets homeowners choose their service technician Offers identity theft protection and Emergency Alert Network service Provides an unlimited workmanship guarantee with every plan Cons Charges a $75 cancellation fee after the first 30 days Includes a depreciation value cap on items five years or older Limits all repairs or replacements to $3,000 annually

Plans and Pricing

AFC Home Club offers four plans: a Platinum Plan, a Gold Plan, a Silver Plan, and a Systems Plan. Our sample quote offers a $75, $100, or $125 service call fee. Choosing the lowest service call fee increased our monthly premiums. 

During our contract review, we learned that HVAC systems have an unlimited coverage cap, while thermostat caps stop at $80. Although AFC Home Club offers $3,000 for appliances, plans include a depreciation value for payouts. The company reduces an item’s value if it’s five years or older. You receive a plan-length workmanship guarantee with all repairs.

AFC Home Club offers annual and monthly premiums. You’ll pay between $356 and $646 for AFC Home Club’s annual coverage. Additional perks include a $100 annual discount for a yearly payment plan and $250 off for a three-year option.

Here’s a breakdown of AFC Home Club plans:

  • Silver Plan ($35.25–$40.08 per month): This plan includes nine home appliances, such as clothes dryers and refrigerators.
  • Systems Plan ($42.50–$47.33 per month): This system-only coverage includes air conditioning, ductwork, and plumbing systems.
  • Gold Plan ($49.75–$54.58 per month): This plan bundles the Systems and Silver plans for more comprehensive home protection. 
  • Platinum Plan ($54.58–$59.42 per month): The highest-tier plan includes Gold Plan protections plus plumbing stoppages, faucets, built-in microwaves, ice makers, and fan work coverage.
  • Optional add-ons: Customers can add coverage for double ovens, electronic coverage, hot water dispensers, sump pumps, septic systems, central vacuums, pools, spas, stand-alone freezers, and roof-leak repair.

What To Expect

AFC Home Club offers over-the-phone and online quotes. We found its online tool wasn’t as user-friendly as other providers, partly because you can’t compare plans on the main quote screen. You must select each plan option and open a separate window to get detailed pricing. 

Most home warranty providers stick to their own technician network. However, AFC Home Club lets you choose your technician for repairs. 

After reading homeowner online reviews, we discovered many customers appreciated the quick claims process but disliked the depreciation caps for covered items.

Cinch Home Services

4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

Cinch Home Services provides comprehensive coverage, with almost 30 appliances and systems included in its plan. The company includes special perks with its coverage, including credits for air conditioner and refrigerator filters. You also receive a 180-day workmanship guarantee. 

Why We Chose Cinch Home Services

We awarded Cinch Home Services a 4.6 out of 5 stars in our review standards. The company offers three plans and several service fee choices to provide customers with better customization. Its 180-day workmanship guarantee exceeds the industry standard, offering better peace of mind for your repairs. Cinch also has unique perks, namely its home insurance deductible reimbursement as part of its highest plan. 

Pros and Cons

Pros Covers 28 appliances and home services Includes a $25 credit for A/C unit or refrigerator filters Offers a 180-day workmanship guarantee Cons Excludes roof-leak protection from its plans No annual premium option Offers mostly pool and spa add-on coverage options

Plans and Pricing

Cinch Home Services offers three plan options: the Appliances Plan, Built-In Systems Plan, and Complete Home Plan. When we pulled a sample quote, we received service fees of $100, $125, and $150. Cinch also includes a $10,000 annual coverage limit. When you file a claim, item limits get subtracted from that annual total. Each plan includes a 180-day workmanship guarantee. 

Cinch Home Services only offers monthly premium options.  

Below are the Cinch Home Services plans:

  • Appliances Plan ($44.99–$54.99 per month): This plan includes appliances, such as built-in microwaves, freestanding ice makers, and refrigerators. 
  • Built-In Systems ($49.99–$61.99 per month): The system-only coverage includes built-in trash compactors, smoke detectors, and sump pumps. 
  • Complete Home ($60.99–$72.99 per month): The highest plan includes system and appliance coverage, plus up to $500 per term for a homeowners insurance deductible reimbursement. 
  • Optional Add-ons: Add-on coverage includes pools, pools with spas (heater included), septic tanks, spas, and well pumps.

What To Expect

Cinch Home Services offers three plans: the Appliances Plan, Built-In Systems Plan, and Complete Home Plan. Our sample quote includes service fee options of $100, $125, and $150. After reading the quote, we learned that plans include caps for $1,500 for central air conditioning and $1,000 for plumbing systems. Cinch plans include a $10,000 total annual coverage limit. Plans include 180-day workmanship warranty coverage. 

Cinch Home Services only offers monthly premium options.  

We will explain Cinch Home Services’ plans below:

  • Appliances Plan ($44.99–$54.99 per month): The appliance-only plan includes clothes washers, freestanding ice makers, and refrigerators. 
  • Built-In Systems ($49.99–$61.99 per month): This system-only coverage includes built-in trash compactors, heating systems, and smoke detectors.
  • Complete Home ($60.99–$72.99 per month): The highest plan tier includes comprehensive system and appliance coverage plus a $500 homeowners insurance deductible reimbursement.
  • Optional Add-ons: Additional coverage options include pools, pools with spas (heater included), septic tanks, spas, and well pumps.

What To Expect

Homeowners can receive a quote over the phone or on the Cinch website. To use the online tool, you’ll enter basic details, including your ZIP code and email. Your customized quote includes easy toggling between plan and service fee options. 

Cinch uses its own service technician network but allows substitutes when it can’t find technicians near you. However, Cinch must approve your technician beforehand. 

Many positive customer reviews praised Cinch for its knowledgeable staff and efficient service time. However, negative reviews mentioned delayed response times and poor service technicians.


How Much Does a Home Warranty Cost in Minnesota?

Multiple factors can affect the cost of a home warranty in Minnesota. Our research shows a Minnesota home warranty costs $53 monthly or $636 annually. We pulled quotes for a 2,200-square-foot, single-family home in Rochester to obtain our cost average. Pricing for your home warranty largely depends on the coverage plan and add-ons you select. For example, a basic plan that covers six major systems will cost less than a comprehensive plan that covers more than 20 items. Add-ons can also raise your monthly cost because they cover items outside of the standard plans.

We recommend pulling several quotes from various providers to get an understanding of how much a home warranty costs for your home.


Annual Home Warranty Cost Calculator

Our team created a calculator to break down the estimated annual cost of owning a home warranty. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.

Appliance Average Repair Cost Average Replacement Cost

Dehumidifier

$50–$200

$1,300–$2,800

Microwave

$50–$400

$60–$2,000

Dishwasher

$50–$500

$400–$3,000

Exhaust Fans

$16–$300

$250–$950

Electric Range

$100–$500

$230–$3,000

Gas Range

$100–$500

$230–$3,000

Dryer

$100–$400

$450–$2,300

Oven

$100–$430

$400–$3,000

Washer

$50–$450

$400–$2,300

Freezer

$90–$500

$160–$2,900

Refrigerator

$40–$350

$200–$5,000

Note: The annual cost figure generated by our home warranty calculator is not an indication of a company’s actual plan cost, as annual costs and service fees vary based on your plan selections and your home’s size, type, and location.


How Are Home Warranties Regulated in Minnesota?

Minnesota’s Insurance Division (MID) oversees home warranty regulation under the state’s Department of Commerce. Minnesota statute § 59B.01 to 59B.11 is in place to ensure service contract companies fulfill their financial and ethical responsibilities to consumers. According to statute § 59B.01 to 59B.11, companies must obtain a surety bond with the MID before receiving a license. Companies must also write their service contracts in clear language to minimize consumer confusion.

We did additional research and discovered some third-party organizations also oversee home warranties. One such organization is the Service Contract Industry Council (SCIC). The SCIC works with lawmakers nationwide to create regulations that protect the consumer and treat service contract companies fairly.

If you believe your home warranty provider is neglecting its contractual obligations, you can file a complaint with the MID.


Factors To Consider Before Buying a Minnesota Home Warranty

Buying a home warranty in Minnesota is an important decision you shouldn’t take lightly. You could end up purchasing a plan that lacks coverage for your essential appliances or systems. Conversely, you could overpay for coverage you don’t need. To help you choose the right home warranty, here are key points to consider:

  • Coverage: Take note of all the home systems and appliances you use most during your normal routine. Also, consider their age. If your appliances and systems are more than 10 years old, a home warranty could provide a financial safety net once they need repairs.
  • Contract terms: Read the fine print carefully. Understand the conditions under which a provider will approve a repair or replacement. Ensure there aren’t gaps in coverage, specifically on item components, that might leave you without coverage when needed.
  • Service providers: Be aware of the time a home warranty company takes to send a service provider to your home. Ask where the company sources its in-network technicians and if there is a vetting process before working with said technicians. Avoid home warranty companies that don’t have a vetting process or give you a vague answer.

Expert Takes on Home Warranties

We interviewed industry experts and compiled answers to common questions about home warranties. Read our experts’ takes below:

  • Can I trust home warranties? Gary Parker, owner of Gary Buys Houses, has one tip to confirm whether a home warranty provider is trustworthy: “Check if the company is licensed and belongs to professional organizations or associations that uphold ethical standards.”
  • How do I choose the best home warranty company? Patrick Grayson, a Paramount Property Buyers real-estate expert, says, “When shopping for a home warranty, consider the coverage each company offers and ensure it fits your needs.” He continues, “Some companies may offer more coverage than others, so make sure to compare all your options.”
  • Why must I wait before I can start using my Minnesota home warranty? Chuck Vander Stelt, a Quadwalls Realtor, says home warranty companies include a waiting period to prevent claims for items with preexisting conditions. “If you already own the home you’re getting a home warranty for, there is typically a 30- to 90-day blackout period where you can’t make claims,” he adds.

Our Conclusion

Based on your research, we chose American Home Shield as the best home warranty company for Minnesota residents. The company offers comprehensive coverage with generous coverage caps. Consider Liberty Home Guard if you want reliable customer support. If affordable premiums are a priority, choose Select Home Warranty as your provider. 

Before buying a Minnesota home warranty, we recommend getting a quote from all three companies listed in this review so you can compare price estimates and choose the coverage that best fits your budget.



Other Resources for Residents in Minnesota


FAQ About Home Warranties in Minnesota

How much does a Minnesota home warranty cost?

On average, a Minnesota home warranty costs between $350 and $650 per year. Costs will depend on the coverage level selected, your home size, and where you live. In addition, customers will pay a service call fee every time they file a claim. This deductible typically costs between $75 and $125. Since pricing varies by provider, we recommend getting quotes from several companies to see how costs compare.

Do home warranty companies provide roof-leak coverage?

Many home warranty companies offer roof-leak coverage, but some only offer it as an add-on or in higher plan tiers. Some companies, such as Select Home Warranty, include roof-leak coverage with every plan. We recommend checking each sample quote to verify roof-leak inclusions. 

What items are typically included in a home warranty?

Home warranties typically include major home appliances and systems such as HVAC, refrigerators, clothes washers and dryers, and plumbing lines. Some companies offer add-ons that expand your coverage for other items and services, such as pools, luxury appliances, and pest control. 


How Do I Find the Best Home Warranty Company in My Area?

Find in-depth reviews on the best home warranty companies for each state and major U.S. city below.

Our Rating Methodology

We back up our home warranty ratings and recommendations with a detailed rating methodology to score each provider objectively. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and conducting focus groups and consumer surveys. 

We score each provider against our review standards, which include four comparison categories: coverage, value, trust and transparency, and availability and service. We rate each provider across 31 factors within these categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We then convert the final scores to a 5-star rating. 

Here’s a breakdown of our weighted factors:

  • Coverage (40%): We scored coverage based on included home systems and appliances, add-on options, and unique benefits. We also compared coverage caps and policy exclusions.
    • Additional coverage items
    • Annual coverage cap
    • Home systems coverage
    • Major appliances coverage
    • Obstructed wall coverage cap
  • Value (30%): We compared the coverage level received to monthly pricing to determine plan value. We considered premium pricing, service fees, and flexibility in customizing plan costs. 
    • Average monthly cost
    • Cost flexibility
    • Lowest service fee
  • Trust and Transparency (16%): We evaluated each company’s reputation using the Better Business Bureau ratings and customer reviews on third-party review sites. We read through plan change policies, workmanship protections, and sample contract availability. 
    • Brand reputation
    • Policy change flexibility
    • Sample contract availability
    • Workmanship guarantee length
  • Availability and Service (14%): We award higher scores for faster claim processing and response times. We also considered service technician policies, including options to choose your technician. 
    • Claims process
    • Guaranteed response time
    • Service flexibility

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.