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  • Written by
    Jessica Hurtault
  • Fact Checked
  • Updated

Minnesota gets its fair share of extreme weather. From summer heat to winter blizzards, the climate can take a toll on your HVAC system. That's what makes a home warranty a smart investment for Minnesota homeowners. A home warranty can save you money on repairs or replacements if your home appliances and systems break down.

If you're in Apple Valley, Minnesota, it's important to find a reliable home warranty company that offers coverage near you. We've compiled a list of the area's top providers, so you can make an informed decision.

Best Customer Ratings
Liberty Home Guard logo
4.5/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process
Best for Comprehensive Coverage
American Home Shield logo
4.4/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems
Best Value
Select Home Warranty logo
4.3/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

6 Best Home Warranty Companies in Apple Valley

Brands are algorithmically curated from a database of local service providers near you. We require a minimum number of Google reviews and average ratings for provider inclusion.

Featured Partner
American Home Shield Logo
Best for Comprehensive Coverage

American Home Shield

4.4/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems

Cons

  • Doesn’t let customers choose their own technician
  • Offers limited add-on options

52 Years in Business

BBB Rating:B

Featured Partner
Liberty Home Guard Logo
Best Customer Ratings

Liberty Home Guard

4.5/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process

Cons

  • Lacks transparency on service call fee pricing
  • Excludes coverage for known or unknown pre-existing conditions

6 Years in Business

BBB Rating:A+

Featured Partner
Select Home Warranty Logo
Best Value

Select Home Warranty

4.3/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

Cons

  • Has a $75 cancellation fee
  • Low coverage caps

11 Years in Business

BBB Rating:B-

Featured Partner
AFC Home Warranty Logo
Best for Customization

AFC Home Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides an unlimited workmanship guarantee
  • Offers generous appliance coverage limits
  • Allows you to choose your own contractor

Cons

  • Limits coverage limits for older items based on depreciated value
  • Requires you to file a claim immediately after discovering an issue

14 Years in Business

BBB Rating:B

Featured Partner
Cinch Home Services Logo
Best Additional Perks

Cinch Home Services

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers home insurance deductible of $500
  • Extends a long 180-day workmanship guarantee
  • Provides generous $10,000 aggregate coverage limit

Cons

  • Charges high service fees of $75-$150
  • Doesn’t allow customers to choose their own technician
  • Isn’t available in Hawaii or Alaska

45 Years in Business

BBB Rating:B

Featured Partner
2-10 Home Buyers Warranty Logo
Cheapest Appliances Plan

2-10 Home Buyers Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers a $25,000 annual coverage cap
  • Pairs plans with a plan-length workmanship guarantee
  • Offers unique perks such as color matching appliance replacements

Cons

  • Charges a monthly processing fee if you choose monthly premiums
  • Excludes washer and dryer coverage from most plans

39 Years in Business

BBB Rating:A-

BBB ratings are accurate as of August 2023. Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.

Facts about Apple Valley

  • Average Max Temperature:
    53°F
  • Average Min Temperature:
    36°F
  • Average Annual Snowfall:
    46.8”
  • Homeownership Rate:
    74%
  • Median Home Size:
    2,257 sqft
  • Median Home Price:
    $370,469

Are Home Warranties Worth It for Apple Valley Residents?

Home warranties are advantageous for Apple Valley residents. Apple Valley summers are fairly mild, but it's still important that your air conditioner is working well. However, over time this system can malfunction due to breakdowns from regular wear and tear.

Apple Valley also has freezing winters, meaning your heating system is working constantly during the colder months. The cost of replacing your HVAC system can range between $2,500 and $8,000. Home warranties are comparatively cheaper at only $644–$737 a year, based on 120 quotes we requested from home warranty companies nationwide.

The regular rain in Apple Valley can damage your roof. The financial burden of this will be lessened if you have a home warranty with roof-leak protection.

Finally, home warranties connect you with trustworthy service providers. Reputable home warranty companies vet every service provider they use. If you're busy with work or other priorities, investing in a home warranty ensures you have access to trustworthy technicians.

What To Consider Before Choosing a Home Warranty Company

These key factors can help you select the right home warranty plan for your needs.

Cost

We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. There are also service call fees whenever you file a claim. These fees range from $65–$125 per claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before committing to a plan.

Coverage

Most home warranty companies can tailor a plan to your needs. Think about which systems and appliances you use often and would like covered. If you only want coverage for select systems or appliances (such as your heating), you can often find plans to fit. The following is a list of common systems coverage:

  • Air conditioner
  • Central vacuum
  • Ductwork
  • Electrical
  • Heating
  • Plumbing
  • Water heater
Commonly covered appliances include the following:
  • Built-in microwaves
  • Clothes washers and dryers
  • Dishwashers
  • Garbage disposals
  • Ovens
  • Refrigerators
  • Stovetops
Also, consider a company's coverage limits. Our research indicates that higher coverage limits tend to come with higher premiums. However, providers with higher coverage limits may still be the best choice for houses with older systems or appliances.

Exclusions

Most home warranties only cover normal wear and tear, which excludes preexisting conditions and improper installation. Additionally, most policies will exclude appliance components or cosmetic issues, routine maintenance, defects, or theft. Providers will outline exclusions and limitations in their service contracts. Read your contract thoroughly to make sure you understand the terms and conditions of your plan.

Provider Reputation

Consider a company's reputation when making a decision. You can also read real customer reviews on sites such as Best Company, Google Reviews, and Trustpilot. These reviews can show you how companies handle customer service and claims. Check with the Minnesota Attorney General to verify that a provider holds a license with the state.

Contractor Network

Take into account a home warranty company's network of service providers. Ask where and how it sources technicians—reputable providers should always use licensed and registered contractors. Choose a provider that mentions the names of familiar contractors. Homeowners in rural areas might prefer home warranty policies that allow you to choose your technician. There may not be any in-network service providers in these areas, and you'll want the option to choose your own.

Frequently Asked Questions about Home Warranty in Apple Valley

More Home Warranty Resources

Sources

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

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