Best 6 Home Warranty Companies in Blaine, MN

Are Home Warranties Worth It for Blaine Residents?

Yes, home warranties are worth it for Blaine residents. Blaine generally has mild temperatures, but you may still use your air conditioner frequently during the warmer months. Your air conditioning system can malfunction over time due to breakdowns from regular wear and tear.

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

Blaine's regular rain showers can also affect your home's roof. Some home warranty companies offer limited roof-leak coverage to ease the financial burden of repair. Finally, home warranties connect you with reliable service providers.

Reputable home warranty companies vet all their service providers. If you don't have time to do the research yourself, 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 choose the best home warranty plan for your needs.

Cost

We pulled 120 quotes for a 2,000-square-foot, single-family home. From this we determined that the average home warranty cost is $53–$62 per month. Additionally, you'll pay a service call fee of roughly $65–$125 whenever you file a claim. Comprehensive home warranty plans generally cost more than basic ones. Appliance plans usually cost less than home systems coverage plans. Consider your specific needs before choosing a plan, as add-on coverage options will raise the monthly price.

Coverage

Figure out which appliances and systems you use the most. Most home warranty plans offer customizable coverage tailored to your needs. If you only need coverage for select systems, like your heating, most providers offer systems-only plans. The same is true if you only need coverage for certain appliances. Here is a list of common systems coverage:

• Air conditioner
• Central vacuum
• Ductwork
• Electrical
• Heating
• Plumbing
• Water heater

• Built-in microwaves
• Clothes washers and dryers
• Dishwashers
• Garbage disposals
• Ovens
• Refrigerators
• Stovetops

Exclusions

Home warranties generally only cover breakdowns from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies also won't cover appliance components or cosmetic issues, theft, defects, or routine maintenance. Providers outline limitations and exclusions in their service contracts. We recommend reading carefully to fully understand your plan's terms and conditions.

Provider Reputation

Provider reputation is another important factor to consider. You can find real customer reviews on sites such as Google Reviews, Trustpilot, and Best Company or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can provide insight into how a company handles 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. Trustworthy home warranty companies source licensed and registered contractors to handle service requests. We suggest asking a provider where and how it sources technicians. Select a provider that mentions the names of familiar service contractors. Rural homeowners should consider choosing a home warranty that lets them select their technician. There may be no in-network service providers available in these areas, so customers may need to source their own.