Our team selected American Home Shield as the best home warranty company in North Dakota due to its extensive coverage and generous limits. We also recommend Choice Home Warranty for its affordable pricing, with appliance and system coverage for under $70 per month, making it a good budget-friendly option. We compared the 13 top home warranty companies in the U.S. to help you narrow down the state’s best coverage options.
Home warranties in North Dakota can offer homeowners peace of mind, especially during the state’s harsh winters that can really take a toll on their systems and appliances. Having a plan can help relieve the stress of unexpected system or appliance repairs, so you can relax knowing you’re covered if something breaks.
Key Takeaways
- We chose American Home Shield as the top home warranty provider in North Dakota.
- A home warranty in North Dakota costs $52–$79 per month, or $614–$929 annually.
- Our 2025 home warranty survey of 2,000 homeowners nationwide found that 31% choose coverage to protect their heating or furnace systems.
North Dakota’s Top Home Warranty Companies
The highest-rated North Dakota home warranty companies include the following:
- American Home Shield: Best for 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 North Dakota Home Warranty Companies
To determine the top home warranty companies in North Dakota, our team looked at third-party customer reviews on the Better Business Bureau (BBB), plan details, national average monthly pricing, and service call fees. The table below compares our top providers based on a few of these key factors.
| Company | Star Rating | BBB Rating | Monthly Cost | Service Fee |
|---|---|---|---|---|
B | $36–$100 | $100–$125 | ||
B | $60–$68 | $100 | ||
B | $45–$60 | $70 ($150 for after hours and weekends) | ||
B | $44–$82 | $75–$125 | ||
A+ | $57–$68 | $65–$125 |
Note: Your pricing may vary depending on your home’s location, size, type, and plan selections.
*BBB ratings are accurate as of April 2025. A “No Rating” or “NR” indicates that the BBB has not issued a rating due to an ongoing review or update to a company’s profile.
Reviews of Home Warranty Companies in North Dakota
We’ll take a closer look at our top North Dakota providers below.
American Home Shield
American Home Shield (AHS) offers comprehensive major systems and appliance coverage alongside service call fee flexibility. Additionally, AHS covers unique instances that other providers typically don’t, such as rust, corrosion, or sediment damage.
Pros and Cons
Pros
- Includes a flexible service call fee model that allows customers to adjust monthly fees for their budget
- Offers up to $5,000 on built-in systems and $4,000 on appliances
- Provides coverage for unknown preexisting conditions and items damaged by rust and corrosion
Cons
- Doesn’t offer an appliance-only coverage plan
- Offers less coverage flexibility than most providers with only a few add-on options
Plans and Pricing
American Home Shield offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. We read through an American Home Shield sample contract and called the company ask about its plans. The representative noted that AHS imposes a $5,000 coverage cap per covered system in its systems-only plan, ShieldSilver. ShieldGold adds coverage for appliances, which have a $2,000 coverage limit. ShieldPlatinum also combines system and appliance coverage and increases its appliance limit to $4,000; plus, it adds roof-leak coverage, up to $1,000 in code upgrades, an HVAC tune-up, and air filter discounts.
AHS allows you to pull a quote by calling a representative or using its online tool. When we used the quote tool, it allowed us to choose a service call fee of $100 or $125. AHS states that a higher service call fee will result in a lower monthly premium and vice versa. All AHS plans come with a 30-day workmanship guarantee on any completed repairs covered by the plan.
While pulling our quote, we discovered that AHS only offers monthly premium options. Unlike other providers on this list, it doesn’t include an annual premium discount.
Here are details on each of American Home Shield’s plans:
- ShieldSilver ($52 per month): Covers 14 home systems, such as HVAC, electrical, and plumbing
- ShieldGold ($72 per month): Covers 14 major systems and nine home appliances, such as dishwashers, garbage disposals, and clothes washers
- ShieldPlatinum ($102 per month): Includes ShieldPlatinum coverage and adds more benefits, such as $1,000 for roof-leak repairs
- Optional add-ons: Up to six options, such as electronics, pools and spas, guest units, roof leaks, septic pumps, and well pumps
Our Experience with American Home Shield
Our American Home Shield tester filed an online claim for a leaking bathroom pipe. Within five minutes, he received confirmation via email, text, and a call from a local contractor who scheduled a next-day appointment. The contractor arrived early the next day and completed the repair within two hours. All repairs were completed, and he was only charged the service call fee.
Choice Home Warranty
Choice Home Warranty offers affordable appliance and system coverage for under $70 per month, lower than other reviewed providers, including American Home Shield. Plans also include standard coverage limits of $3,000 per item, providing adequate protection for major repairs.
Pros and Cons
Pros
- Includes a 90-day guarantee for parts and 60 days for labor.
- Offers comprehensive protection for less than $70 per month
- Provides $3,000 coverage limits for most items
Cons
- Doesn’t include some key items, including air conditioning, under its lowest plan tier
- Has an ongoing lawsuit with the Arizona Attorney General
Plans and Pricing
When we reviewed a Choice Home Warranty sample contract, we found the company offers only two plan options: the Basic Plan and the Total Plan. Many other providers offer three or more options to help tailor coverage to your needs. We also learned that the Basic Plan excludes essential home items like air conditioning, clothes washers and dryers, and refrigerators—you must upgrade to the higher-priced Total Plan for coverage.
The company offers only one service call fee of $100, while other competitors provide multiple options to suit different budgets and allow you to adjust your monthly cost by selecting a higher rate. Choice Home Warranty offers monthly and annual billing, but charges a processing fee with its monthly option.
Here’s an overview of Choice Home Warranty’s plans
- Basic Plan ($59 per month): Covers seven systems and seven appliances, such as built-in microwave, heating systems, and cooktops
- Total Plan ($67 per month): Covers eight systems and 10 appliances, including air conditioning, clothes washers and dryers, and refrigerators
- Optional add-ons: Up to 10 options, including pools, septic systems, sump pumps, second refrigerators, and additional spas
Our Experience with Choice Home Warranty
Our Choice Home Warranty tester filed multiple claims, including one for her oven, which she started over the phone and took about five minutes overall. She was directed to the online portal, where she filed the claim under the pre-set description “burner stove,” and received email confirmation within 24 hours. Service quality and timing varied, with some contractors resolving issues immediately, while others required multiple visits or left without completing the repairs. Appointment times varied widely, from one day to one month, causing frustration for our tester, mainly when waiting for repairs.
Elite Home Warranty
We recommend Elite Home Warranty for homeowners who want flexible premiums and coverage. The company offers three specialized coverage plans, a fully customizable plan option, and 30 add-on options.
Pros and Cons
Pros
- Includes a 90-day workmanship guarantee for completed repairs
- Offers higher coverage limits for high-end appliances
- Provides a fully customizable plan option to tailor your coverage
Cons
- Charges a higher service call fee for high-end appliance repairs
- Excludes workmanship guarantee on repairs done with an out-of-network technician
Plans and Pricing
When reading through an Elite Home Warranty sample contract, we learned that the company offers a $15,000 annual limit for all plans. This breaks down to a $7,000 claim limit for appliances and $8,000 for systems, which is a higher limit than many providers. However, claim limits vary among coverage items. For example, air conditioners receive up to $4,000 while electrical systems are capped at $2,000.
The company charges a standard service call fee of $70, with a $150 fee for high-end appliance repairs and service calls made after hours or on weekends. Elite Home Warranty does not offer an online quote tool. Instead, you must call its sales department or fill out an online form and wait for a callback.
Below are the details of Elite’s coverage plans:
- Elite Appliances ($45 per month): Covers eight essential appliances, including cooktops, clothes washers, and dishwashers
- Elite Systems ($50 per month): Covers eight home systems, such as air conditioning, heating, and electrical systems
- Elite Complete ($60 per month): Combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection
- Optional add-ons: Up to 30 options, including central vacuum, grinder pump, sewer lines, HVAC annual maintenance, septic systems, and well pumps
Our Experience with Elite Home Warranty
Our Elite Home Warranty tester filed an online claim for his broken high-end dishwasher and received a call from a claims specialist within 30 minutes. He was scheduled for a next-day appointment, but the technician discovered that the required parts were out of stock. After the initial visit on Tuesday evening, the technician returned on Monday with the necessary parts. The repairs were completed within an hour.
AFC Home Warranty
AFC Home Warranty offers more plan and service fee options than other providers we’ve reviewed. It also includes a flexible technician policy, allowing you to choose your preferred contractor for repairs. Most other home warranty companies don’t offer this benefit, instead assigning you a technician from a pre-approved network.
Pros and Cons
Pros
- Includes no coverage caps for HVAC and water heaters
- Lets you choose your preferred technician
- Provides a workmanship guarantee that lasts the length of your contract
Cons
- Includes lower coverage limits for some key systems, including plumbing
- Lowers payouts for items five years and older
Plans and Pricing
AFC Home Warranty offers four plans: the Silver Plan, Gold Plan, Platinum Plan, and Diamond Plan, each with varying levels of coverage. The Silver Plan is a specialized plan, offering appliance-only coverage, while the other plans include both appliance and system protection. According to an AFC Home Warranty sample contract, coverage limits vary per item, with appliance coverage ranging from $150–$3,000, and system coverage between $150 and $500. We also learned that the company includes a depreciation policy for items five years or older, meaning you may receive a lower reimbursement for older items based on their age and condition.
You can choose between monthly or annual billing and a one-year or three-year contract with AFC Home Warranty. The company offers service call fees of $75 or $125 with its plans. Opting for the lower fee will increase your monthly cost, while selecting the higher fee will lower your monthly cost.
Here are more details about AFC Home Warranty’s plans:
- Silver Plan (call for a quote): Covers nine appliances, including clothes washers and dryers, stoves, and kitchen refrigerators
- Gold Plan ($44 per month): Covers nine appliances and six home systems, including air conditioning, heating, and electrical
- Platinum Plan ($51 per month): Covers 10 appliances and nine home systems, such as built-in microwaves, fans, and faucets
- Diamond Plan ($82 per month): Includes Platinum Plan coverage, plus coverage for electronics and exterior sewer and water lines
- Optional add-ons: Up to eight add-ons, including electronics, in-ground pools, in-ground spas, roof-leak coverage, septic systems, and stand-alone freezers
Our Experience with AFC Home Warranty
Our AFC Home Warranty tester filed a claim for a running toilet that wouldn’t fill and said the process was quick, easy, and took around five minutes. She received frequent communication from the company via phone calls and text messages, though she found the texts somewhat overwhelming. Despite the initial repair attempt failing, a second contractor quickly resolved the issue. The entire process took about a week and a half, but our tester was satisfied with the outcome and didn’t pay any additional costs for the second repair visit.
Liberty Home Guard
Liberty Home Guard (LHG) offers three coverage plans, a 60-day workmanship guarantee, and more than 30 add-ons. LHG also provides accessible customer service via its live-chat feature on its website.
Pros and Cons
Pros
- Extends a 60-day workmanship guarantee
- Offers 38 unique optional add-ons, including pest control and gutter cleaning
- Provides two additional months of coverage if you sign up for an annual plan
Cons
- Doesn’t allow plan price or service call fee customization
- Lacks transparency about service call fees during the quote process
Plans and Pricing
Liberty Home Guard offers three service plan options: Appliance Guard, Systems Guard, and Total Home Guard. We read a Liberty Home Guard sample contract to get an understanding of what is covered in their plans along with associated service fees. 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.
According to the representative we spoke with, service fees range from $65 to $125. The company includes a $2,000 coverage cap on all covered items, except for electrical and plumbing systems, which have a $500 limit. If a repair fails, the LHG extends a 60-day workmanship guarantee, which is double the industry standard.
Here are details on LHG’s plans and optional add-on coverage:
- Appliance Guard ($57 per month): Covers nine appliances, such as dishwashers, clothes washers, and dryers
- Systems Guard ($62 per month): Covers six built-in systems, such as air conditioning, heating, ductwork, and water heater
- Total Home Guard ($68 per month): Covers all the items in the Appliance Guard and Systems Guard plans
- Optional add-ons: Up to 42 options, including pest control, re-key service, gutter cleaning, floor cleaning, and high-end appliances
Our Experience with Liberty Home Guard
Our team tested the online quote tool and sign-up process with Liberty Home Guard. Homeowners can get quotes through the customer support line or the online tool, which requires basic information like name, phone number, email, home address, and type. You can choose between monthly and annual premiums and customize coverage with add-ons, with five popular options suggested based on your state. Once you select your plan, you’ll receive confirmation, a disclosure of your service call fee, and the plan’s start date after the 30-day waiting period.
How Much Does a North Dakota Home Warranty Cost?
In North Dakota, home warranty plans typically cost between $52 and $79 per month, or $614–$929 annually. This is slightly higher than the average home warranty cost nationwide, which ranges between $47 and $82 per month, or $564–$984 per year.
| Provider | Monthly Cost in North Dakota | Service Fee |
|---|---|---|
| American Home Shield | $52–$102 | $100–$125 |
| Choice Home Warranty | $59–$67 | $100 |
| Elite Home Warranty | $45–$60 | $70 |
| AFC Home Warranty | $44–$82 | $75–$125 |
| Liberty Home Guard | $57–$68 | $65–$125 |
Several factors can influence the cost of a home warranty, including the level of coverage you choose, the size of your home, and whether you buy add-ons like pool or well pump coverage. In addition, your per-use service call fee, which typically ranges from $75–$125, can also impact your overall cost.
How We Determined Home Warranty Pricing
We analyzed nearly 4,000 quotes from 13 providers across all 50 states to estimate home warranty pricing in North Dakota and nationwide. Our research included sample addresses for single-family homes both under and over 5,000 square feet in North Dakota communities such as Bismarck, Fargo, Fort Ransom, and West Fargo. This data allowed us to calculate average costs at both the state and national levels.
Survey Insights From Homeowners Nationwide
Our 2025 home warranty survey offered valuable insight into both national and state-level trends among homeowners. While only six North Dakota residents responded, the broader nationwide data still gives helpful guidance for anyone in the state shopping for coverage. For example, 58% of survey participants said coverage was the most important factor when choosing a plan. Many were focused on protecting older systems and appliances, which makes sense given that 74% said they lived in pre-owned homes.
Most homeowners selected a combination plan that covers both systems and appliances. Water heaters were the most commonly protected appliance at 44%, followed by refrigerators at 30%. On the systems side, heating and furnace protection were the top priority. That matches what we saw from North Dakota respondents, which isn’t surprising considering the state’s long winters. Around 30% of homeowners didn’t select any add-ons, which suggests their base plans offered enough coverage. For those who did add extra protection, the most popular options included roof leak coverage, additional system coverage, and appliance add-ons.
Overall, homeowners were pleased with their coverage. About 81% said they were satisfied or very satisfied with their plans. Most also had a smooth claims experience, with 89% saying their most recent claim was approved. Half of all claims were for system repair or replacement, and nearly 49% were resolved with a repair. When claims were denied, the top reasons were preexisting conditions (31%) and lack of coverage for the item (26%). When shopping for coverage, we recommend reading through sample contracts to make sure you get the exact coverage you need to reduce your chances of a claim denial.
How We Collected Our Survey Data
To better understand how homeowners feel about their home warranty coverage, we surveyed 2,000 planholders across the U.S. in 2025. The results shed light on the main reasons for purchasing a plan, how well the coverage aligned with expectations, and how customers rated their claims process and interactions with service teams. We also collected insights on plan pricing, add-on selections, and whether homeowners planned to renew their coverage.
FAQs About Home Warranties in North Dakota
What’s the difference between homeowners insurance and a home warranty?
Homeowners insurance offers financial protection against structural damage and loss of personal property if an accident like fire, flood, or theft, were to occur. Mortgage lenders typically require insurance, whereas a home warranty is optional. A home warranty can help homeowners manage the cost of repairs on home systems and appliances that break due to normal wear and tear.
How does the home warranty claims process work?
When a covered item in your plan breaks down, you file a claim through your provider online or over the phone with a customer service representative. Once the claim is approved, you’ll pay the service fee listed in your contract and schedule an appointment for a service contractor to visit your home. The service contractor will then diagnose the problem and make the necessary repairs or replacements. If the repair is covered and doesn’t exceed your plan limits, you should only owe the service fee.
Do home warranties have age limits for covered items?
While some companies have age restrictions on systems and appliances, some providers, like Liberty Home Guard and American Home Shield, don’t factor in system or appliance age when providing coverage. In these cases, as long as the item is working properly when you purchase a warranty plan, the company should extend coverage regardless of its age.
Other Resources for North Dakota Residents
Our Rating Methodology
We followed a comprehensive rating methodology to evaluate each home warranty company. Our process included detailed research by speaking with company representatives, obtaining quotes, analyzing sample contracts, and conducting homeowner surveys and focus groups. We also tested the claims process for 11 top companies through secret shopping to gain insights into the customer experience.
Using the data gathered, we scored each provider across six important comparison categories. These scores were out of 100 points and converted into a 5-star rating.
The breakdown of our weighted factors is as follows:
- Coverage: We measured the comprehensiveness of each provider’s coverage, including whether plans include standard and unique items. Providers with more coverage and higher annual limits earned better scores, while waiting periods and depreciation policies resulted in deductions.
- Cost: We analyzed average monthly prices and service call fees. Providers with pricing below the industry average and no hidden fees received the highest scores.
- Trustworthiness: To assess reliability, we reviewed customer ratings on websites like BBB and Trustpilot. Providers with positive ratings, long guarantees, and no legal issues scored higher.
- Plan transparency: We assessed the clarity of the terms, policies, and disclosures in contracts and on websites. Providers with clear and accessible contract details received higher ratings.
- Customer support: This factor evaluated how responsive and helpful a company’s customer support is, considering quick responses and multiple filing options. Providers scored well for offering efficient responses and claim processes.
- Flexibility: We rated providers with a broader range of plans, extensive add-ons, the option to choose your technician, and customer-friendly cancellation policies higher.
