Best Home Warranty Companies in Minnesota (2022)

A home warranty allows you to enjoy your home without worrying about unexpected breakdowns and the associated repair or replacement costs. In exchange for a monthly or annual premium and a small service fee, your provider will handle repairs and replacements for covered items in your contract.

The This Old House Reviews Team has compiled information on the best home warranty companies in Minnesota, comparing plans, pricing, and customer reviews, to help make choosing a provider easier for you. Keep reading to learn more.

Minnesota’s Top 4 Home Warranty Companies

The best home warranty companies in Minnesota provide comprehensive coverage, offer affordable payment options, and have excellent customer service teams to field service requests 24 hours a day, seven days a week. The highest rated home warranty companies in MN include:

• American Home Shield: Best Overall
• Choice Home Warranty: Best Basic Plan
• Liberty Home Guard: Most Responsive
• Select Home Warranty: Best Value

Here’s more detail on our top picks for Minnesota homeowners.

American Home Shield

American Home Shield (AHS) is the leading home warranty provider for MN residents, with over 45 years of industry experience. AHS has double the number of plans as the other two providers in this review, which gives customers a wide range of coverage options to choose from.

American Home Shield offers several benefits to customers:

• Covers 49 states, excluding Alaska
• No limit on the number of repairs allowed during the contract period
• 30-day workmanship guarantee
• High coverage caps for home appliances and systems

Plans & Pricing

Here are the different plans offered by American Home Shield:

• ShieldSilver™: Covers home systems, such as your electrical and plumbing system
• ShieldGold™: Covers all of the ShieldSilver plan and adds protection for kitchen and laundry appliances
• ShieldPlatinum™: Protects all 23 items covered by the ShieldGold plan and adds roof leak coverage and increases coverage caps

When signing up for an American Home Shield plan, you’ll choose a service fee of $75, $100, or $125. The lower the service fee you select, the higher your monthly premium.

Here’s a breakdown of AHS plan pricing with a $75 service fee:

• ShieldSilver™: $54.99 per month
• ShieldGold™: $64.99 per month
• ShieldPlatinum™: $79.99 per month

Learn more: American Home Shield Review

Choice Home Warranty

Choice Home Warranty (CHW) is one of the most affordable home warranty companies available and has cheap monthly premiums and service fees. This makes it an ideal pick for people who are on a budget.

Choice Home Warranty offers the following benefits to customers:

• Guaranteed response time within 48 hours of filing a claim
• 90-day repair guarantee
• Add-on coverage for roof leaks

Plans & Pricing

Here are the different plans offered by Choice Home Warranty:

• Basic Plan: Covers 14 major home components like the heating, electrical, plumbing, and dishwasher
• Total Plan: Covers everything under the Basic Plan and provides protection for your air conditioning, refrigerator, clothes washer, and dryer

The Basic Plan costs $36.17 per month, while the Total Plan costs $43.85 per month. In addition to paying this monthly premium, customers will have to pay $60–$85 for each service call.

Learn more: Choice Home Warranty Review

Liberty Home Guard

Liberty Home Guard is a great choice for homeowners in search of a responsive claims process, accessible customer service, and extensive add-on coverage options.

Liberty Home Guard extends the following benefits to its customers:

• Discounted service fees for multi-year plans
• 30 add-on options, including pest control
• Live chat customer support on the company website

Plans & Pricing

Liberty Home Guard offers three standard plan options. The details of each are outlined below:

• Appliance Guard: Covers your laundry machines, refrigerator, cooktop, range/oven/stove, and seven other appliances
• Systems Guard: Covers air conditioning, heating, ductwork, plumbing, electrical, and water heaters
• Total Home Guard: Covers everything outlined in the appliance and systems plans

The $80 service call fee will be charged per claim filed, though there may be discounts for multi-year plans.

Here’s a breakdown of the monthly fee structure:

• Appliance Guard: $44.99 per month
• Systems Guard: $49.99 per month
• Total Home Guard: $54.99 per month

Learn more: Liberty Home Guard Review

Select Home Warranty

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

Select Home Warranty offers several benefits to its customers including:

• Free roof-leak coverage
• All plans are under $50 in monthly fees
• Seasonal promotions and discounts available

Plans & Pricing

Select Home Warranty offers three plans. The two basic plans are available at the same price point, but they are exclusive to either systems or appliance coverage. The comprehensive plan covers both for a slightly higher price.

• Bronze Care: Covers eight appliances, including your cooktop, stove/oven, and garbage disposal
• Gold Care: Covers air conditioning, ductwork, electrical system, heating, plumbing system, and water heater
• Platinum Care: Covers all items covered by the two basic plans

Select Home Warranty’s service fee is $75, on par with the industry average.

Here’s a breakdown of Select’s pricing structure:

• Bronze Care: $41 per month
• Gold Care: $41 per month
• Platinum Care: $47 per month

Learn more: Select Home Warranty Review

Our Conclusion

Whether you live in the Twin Cities or Coon Rapids, investing in a home warranty can protect you if a system or appliance unexpectedly breaks down. Before buying a MN home warranty, we recommend getting a quote from all three companies listed in this review so that you can compare price estimates and choose the coverage that best fits your budget.

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers, and we aim to provide transparency in our review standards and research process.

Our research process includes speaking with representatives from more than 40 home warranty providers, requesting quotes, and asking clarifying questions to gain insight into each provider’s benefits and downsides. We also analyze sample contracts from each company to understand specific coverage terms.

To rate companies, we apply the data we have gathered to our review standards. These standards are on a 100-point scoring system, which is detailed below:

• Coverage (35 points): Providers are scored based on breadth and depth of coverage. We focused on key home systems (HVAC, plumbing, and electrical), essential appliances (refrigerator, ovens, and laundry machines), and unique coverage items (such as roof-leak coverage and code violation allowances). Coverage scores are weighted by taking into account coverage caps and other limiting factors, meaning providers with greater range of coverage and higher coverage caps score the highest.
• Value (30 points): A company’s plan value is a reflection of how well it serves the customer in comparison to what the customer pays for the policy. We accounted for monthly costs, service call fees, and cost flexibility (such as customizable service call fees, discounts, and multi-year policies).
• Trustworthiness and Transparency (21 points): Trustworthiness and transparency are a reflection of how well the provider considers the customer’s interests. We scored items such as the length of workmanship guarantees, online availability of a sample contract, policy change flexibility, and ease of cancellation. Additionally, we scored items that reflect industry reputation and customer satisfaction, including analyzing brand reputation across the Better Business Bureau and third-party customer review aggregators.
• Availability and Service (14 points): Quality of customer service is key to customer satisfaction. We dug into each provider’s guaranteed response times, claims processes, service flexibility, emergency availability, and more.