After conducting detailed research, we chose American Home Shield and Choice Home Warranty as the best home warranty companies in Minnesota. American Home Shield offers coverage for major home systems, such as plumbing and HVAC, for as low as $30 a month, making it a good option for budget-conscious buyers. Choice Home Warranty offers a longer-than-average workmanship guarantee along with whole-home protection on a budget.
Home warranties can offer benefits in Minnesota, especially for homeowners looking to avoid expensive repair bills for heating system breakdowns during the state’s winter weather. In this article, we’ll unpack more details on what a home warranty is, the best providers in Minnesota, and what to look for when purchasing a policy.
Key Takeaways
- American Home Shield is our pick for the top provider in Minnesota due to its comprehensive system coverage.
- The average cost of a Minnesota home warranty ranges from $34–$78 per month, or about $408–$936 annually.
- Our 2025 survey revealed that 68% of Minnesota homeowners chose their heating or furnace system as the most important item when considering home warranty coverage.
Top Home Warranty Companies in Minnesota
Here are our top-rated home warranty providers in Minnesota:
- American Home Shield: Best Comprehensive Coverage
- Choice Home Warranty: Best Basic Plan Coverage
- Elite Home Warranty: Best for Customized Coverage
- AFC Home Warranty: Best Technician Flexibility
- Liberty Home Guard: Best Customer Support
Comparing Top Providers
To narrow down our list of top home warranty companies in Minnesota, we researched and reviewed service providers nationwide, surveyed 2,000 homeowners with home warranty plans, and read customer reviews. The table below compares our top picks based on several key features such as cost and the Better Business Bureau (BBB) rating.
| Provider | Our Score (Out of 5) | Service Call Fee* | State Availability | Better Business Bureau (BBB) Rating** |
|---|---|---|---|---|
$100–$125 | 49 states (ex. AK) | B | ||
$100 | 48 states (ex WA & CA) | B | ||
$70 ($150 for after hours and weekends) | 47 states (ex. CA, TX, & WI) | B | ||
$75–$125 | 48 states (ex. CA & HI) | B | ||
$65–$125 | All 50 states | NR |
*Pricing may vary depending on your home’s location, size, and type and your plan choices.
**The BBB is an independent organization that evaluates businesses’ credibility and responsiveness to customers. Ratings are accurate as of January 2025.
Note: NR, or “No Rating,” indicates that the BBB has not issued a rating due to an ongoing review or update to a company’s profile.
Our Reviews of Top Providers in Minnesota
We reviewed home warranty companies in Minnesota with a focus on important systems coverage, especially heating, considering the state’s frigid winters. We also considered key factors such as workmanship guarantees, flexible service fees, and overall coverage value.
American Home Shield
Coverage Overview
- Offers a value systems-only coverage for an affordable price
- Extends high coverage limits of $5,000 for HVAC and up to $4,000 for appliances
- Covers undetectable preexisting conditions or damage that existed before you purchased a plan
Keep in Mind
- Charges higher service fees than some other companies
- Limited add-on options available
Our Review
American Home Shield (AHS) offers one of the cheapest home warranty plans on our list at just $30 a month for the ShieldSilver plan. When requesting a quote, our team was offered a promotional deal that dropped costs even more—down to $15 a month. This plan covers your HVAC, electrical, and plumbing systems, all of which represent big-ticket items that can cost thousands to replace. Plus, AHS offers $5,000 coverage limits for your HVAC, so even if you choose the cheapest plan option, you still get the same coverage limit for this item as you would with the company’s most expensive plan.
AHS offers appliance coverage up to $4,000, which is higher than most competitors. Likewise, it also offers comprehensive coverage of preexisting conditions, including rust, corrosion, and sediment damage, which not many competitors can match. However, AHS only offers six add-on options, so if customization is important to you, we suggest a company such as Liberty Home Guard, which offers 42 add-on options.
Choice Home Warranty
Coverage Overview
- Includes generous $3,000 coverage limits on appliances and systems
- Offers affordable comprehensive coverage for $67 or less per month
- Guarantees to reach out to a technician within four hours of claims submissions
Keep in Mind
- Charges a $2.50 fee if you choose monthly billing
- Base plan doesn’t cover some important home items, such as a clothes washer and dryer
Our Review
Choice Home Warranty stands out as a budget-friendly warranty option for Minnesota homeowners, offering full home coverage for $60 or $67 per month, depending on your plan. The company also has a 90-day workmanship guarantee for parts and 60 days for labor, which is triple the industry average of 30 days. Choice includes $3,000 coverage limits for most appliances and home systems, including your heating—an important component considering the state’s winters. The company offers two plans and 10 add-ons, which is a decent amount but if you want more coverage options, Liberty Home Guard may offer a better choice.
Still, homeowners may worry about the company’s legal issues. The Arizona Attorney General filed a lawsuit against Choice Home Warranty in 2019, claiming the company avoided paying for repairs using exclusions and loopholes in its contracts. The lawsuit is still ongoing, and although the company has received a significant number of positive reviews on Trustpilot since then, the lawsuit is worth weighing during your shopping process.
Elite Home Warranty
Coverage Overview
- Charges lower service fees than most competitors
- Customers can increase caps on any covered items with an add-on purchase
- Offers a fully customizable plan option
Keep in Mind
- Customers can’t get a quote online but rather must call a representative
- Charges higher service call fees for after-hours and weekend appointments
Our Review
While other home warranty companies may feature an impressive list of customizable add-on options, Elite Home Warranty is the only company on our list to let you customize your own protection plan from scratch. You can choose from its entire selection of home appliances, systems, and add-on options to create a truly unique plan. Elite also offers 30 add-on coverage options, including options for premium appliances and premium systems that raise your coverage limits for those items.
One of the biggest perks of Elite Home Warranty is its low service fees. Although you can’t choose your own rate, Elite charges a flat-rate service fee of $70, which is on the lower end of the industry average. Most other companies average around $100–$125. However, Elite charges higher service call fees for after-hours and weekend appointments. Additionally, you can’t get a quote from Elite online. You can still file a claim online, so the quote process is the only stage that may seem inconvenient for those seeking digital customer service.
AFC Home Warranty
Coverage Overview
- Customers can choose their own technician for repairs
- Extends a lifetime workmanship guarantee
- Charges service fees as low as $75
Keep in Mind
- Doesn’t offer emergency services
- Only offers three out of the four plans in Minnesota
Our Review
\AFC Home Warranty lets members choose any technician they want, as long as they’re licensed and insured. Most other companies either make customers choose from a pre-approved list of technicians or don’t give them a say in who comes to handle their repairs.
Additionally, AFC Home Warranty offers a lifetime workmanship guarantee which ensures customers don’t have to pay for the same repair twice, as long as their contract is in effect. The company’s workmanship guarantee extends the length of your plan, which is usually one year, which is a step up from most other companies offering 30 or 60-day guarantees. Still, AFC Home Warranty doesn’t offer emergency services, which is not ideal if something breaks unexpectedly after business hours. However, you can still make a claim online or over the phone 24/7—you’ll just have to wait 24–48 hours for a technician to come fix it.
Liberty Home Guard
Coverage Overview
- Features more add-ons than any other company on our list with over 40 options
- Offers system-only, appliance-only, and combination plans
- Offers 24/7 live-chat support
Keep in Mind
- Doesn’t allow customers to choose their own service call fee rate
- Has lower $500 caps for electrical and plumbing systems
Our Review
Liberty Home Guard (LHG) has reasonable monthly rates, a workmanship guarantee that’s twice the industry standard length, and three plan options—but the feature that truly sets the company apart is its add-on options. LHG offers 42 add-on coverage options, which is more than four times as many as most competitors offer. The only other company on our list that comes close is Elite Home Warranty, and LHG still offers 12 more options. Not only does LHG offer more add-ons, but it offers practical options that other companies neglect, such as gutter cleaning, pest control, and window washing. LHG doesn’t give customers the option to choose their own service fee. Instead, Liberty Home Guard will assign you a service fee from $65–$125, depending on your plan, add-ons, and location.
LHG also offers a mobile app and 24/7 live chat support, which puts it at the top of the food chain in terms of technical convenience. However, the company has $500 coverage caps for electrical and plumbing systems, which is much lower than other companies on our list. It has $2,000 caps for all other covered items, but this amount is still low compared to companies such as American Home Shield. You also can’t set your own service call fee, but rather the company will assign you a rate at signup, which gives you less control over your monthly premiums.
Our Experience Filing Claims
The claim filing process is one of the most important parts of a home warranty plan. To help you understand the process, we purchased real policies and filed claims ourselves. Based on our experience, the claims process is quick and easy. For example, our team’s AHS tester filed a claim from his smartphone online in a matter of minutes. He got a call from a local contractor within five minutes of filing and set up an appointment with a technician for early the next morning.
The next day, the contractor showed up early and repaired the leak within two hours. Our tester only had to pay his $75 service fee. Since then, our tester has had several service requests. For each one, he didn’t wait more than a day for technicians to arrive and fix his issues.
We’ve had similar experiences with other companies. Our AFC Home Warranty tester started placing a claim online but then completed the claim via text and over the phone. AFC Home Warranty found a contractor and was ready to book an appointment within two or three days (this was not an emergency claim). Our tester mentioned that AFC Home Warranty was almost too communicative, with representatives calling three or four times and sending up to 10 texts to reach out about her claim.
Look out for red flags such as no-show contractors, radio silence from company representatives, and additional fees after the claim is finalized. Unless your repair exceeds your plan’s coverage limits, you shouldn’t have to pay more than your agreed service fee.
Home Warranty Costs in Minnesota
The cost of a home warranty in Minnesota ranges from $34–$78 based on quotes we received from our top-rated companies, with an average plan rate of $57. This is slightly higher than the national average of $55 per month. Factors such as your ZIP code, service fee selection, add-on coverage, and chosen plan may affect your overall cost.
Keep in mind that some companies charge a lower monthly premium if you choose a higher service fee, while others have a set service fee or will assign you a rate. If you have the option to choose your own service fee, you can typically select a more expensive option to get a better deal on your monthly bill.
| Provider | Monthly Plan Cost in Minnesota* | Average Monthly Cost** | Selected Service Fee |
|---|---|---|---|
| American Home Shield | $24–$97 | $53 | $100–$125 |
| Cinch Home Warranty | $60–$67 | $63 | $100 |
| Elite Home Warranty | $44–$59 | $52 | $70 |
| AFC Home Warranty | $44–$82 | $63 | $75–$125 |
| Liberty Home Guard | $57–$68 | $62 | $65–$125 |
*Pricing may vary depending on your home’s location, size, and type and your plan choices.
How We Determined Home Warranty Pricing
We collected over 4,000 quotes from 13 companies across all U.S. 50 states to estimate home warranty costs in Minnesota and nationwide. To gather data, we used sample addresses for under and over 5,000 square feet single-family homes. These homes were located in urban and rural areas of Minnesota, including Climax, Eden Prairie, Rochester, and St. Paul. National pricing was based on sample quotes for homes of similar sizes. We then averaged these costs to determine both state and national price ranges.
Survey Insights from Minnesota Homeowners
In 2025, we surveyed 2,000 homeowners nationwide to explore their home warranty needs and experiences. Among Minnesota homeowners, 68% purchased home warranties to protect aging systems and appliances, with 54% living in pre-owned homes at least 20 years old.
Nearly 65% chose comprehensive plans covering both systems and appliances. Most prioritized heating or furnace systems, while water heaters ranked as the top appliance for coverage—both essential considering Minnesota’s cold climate. Many state respondents also added optional coverage, with additional system and appliance protection being the most popular.
When filing claims, 51% requested appliance repairs or replacements. Every respondent reported having their claim approved, with 51% receiving repairs. Minnesota homeowners reported high satisfaction overall, with 46% satisfied and 32% very satisfied with their provider. Looking ahead, 68% plan to renew their home warranty at the end of their current term.
FAQs About Home Warranties in Minnesota
Do home warranty companies cover HVAC systems?
Yes, most, if not all, home warranty companies offer HVAC coverage. However, not every plan includes HVAC coverage. When shopping for coverage, make sure to select a plan that covers home systems such as furnaces, AC units, and heat pumps.
Is a home warranty a tax write-off?
Generally, home warranty costs are not tax-deductible. However, you may be able to deduct your home warranty premiums if you have a home office or if you purchased the policy for a rental property.
What does a home warranty cover?
Home warranties cover the major appliances—refrigerators, clothes washers, ovens, etc.—and systems—electrical, HVAC, plumbing, etc.—in your home. However, the scope of your protection may vary based on your provider and plan. We recommend talking with a representative to get the best home warranty coverage for your needs.
How We Evaluated Home Warranty Providers
In order to get the most reliable information for Minnesota homeowners, we thoroughly reviewed each home warranty company using our unique, detailed rating methodology. This process included purchasing home warranty policies, filing claims, speaking with company representatives, obtaining quotes, reading through sample contracts, and conducting consumer surveys. We also request new quotes for each article we write so you can see the most updated and accurate rates available.
Once we get all our information, we rate each provider across six main factors. We assign each factor a point value based on how important it is to homeowners. Then, we convert the final scores to a 5-star rating. Here are some of the most important factors we considered when reviewing the best home warranty companies in Minnesota:
- Coverage: If you want your policy to protect you financially when something breaks, the coverage you choose is extremely important. Most home warranty companies in Minnesota offer coverage for a variety of home systems and appliances, with the best plans covering both. We awarded the most points to companies that cover the most items, with an emphasis on heating systems and other priorities in the state, and have higher coverage limits.
- Cost: There are multiple costs associated with home warranties, including your monthly premiums, your service fee charge, and any charges for add-on coverage. We gave higher ratings to providers with more affordable monthly rates and flexible service fees below $100.
- Trustworthiness: A home warranty policy is only as good as the company that offers it, so trustworthiness is one of the most important factors we look for in a company. We considered BBB ratings, workmanship guarantees, customer complaints, government lawsuits, and National Home Service Contract Association (NHSCA) membership when rating companies based on trustworthiness.
- Plan transparency: If a home warranty company makes its prices and contract details hard to find, we consider it a red flag. We gave higher ratings to home warranty providers in Minnesota that offer transparent sample contracts and a straightforward quote process.
- Customer support: Filing claims—and getting repairs approved—is one of the most basic parts of having a home warranty policy. We awarded points to companies that offer multiple ways to file claims, fast response times, and different outlets for customer support.
- Flexibility: Home warranty policies aren’t one-size-fits-all, so customization matters when you’re purchasing a plan. We gave higher ratings to companies with plenty of add-on options, the ability to choose your own local Minnesota technician, and reasonable cancellation policies.
