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  • Written by
    Jessica Hurtault
  • Fact Checked
  • Updated

Minnesota is no stranger to extreme weather. From winter blizzards to summer heat, 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 and replacements if your home systems and appliances break down.

If you're in Duluth, Minnesota, it's important to find a reliable home warranty company that offers coverage near you. We've assembled a list of the area's top providers to help you 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 Duluth

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 Duluth

  • Average Max Temperature:
    48°F
  • Average Min Temperature:
    31°F
  • Average Annual Snowfall:
    69.6”
  • Homeownership Rate:
    71%
  • Median Home Size:
    1,530 sqft
  • Median Home Price:
    $258,342

Are Home Warranties Worth It for Duluth Residents?

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

Winters in Duluth are freezing, which makes having reliable heating extremely important. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 per year, based on 120 quotes we received from home warranty companies nationwide.

Even in Duluth, over time rain can cause damage to your home's roof. Some home warranty providers offer limited roof-leak protection, which can ease the financial burden of roof repair.

Finally, home warranties connect you with reliable technicians. When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs. Reputable home warranty companies vet every service provider they work with.

What To Consider Before Choosing a Home Warranty Company

Consider these important factors when picking your home warranty plan.

Cost

We requested 120 quotes for a 2,000-square-foot, single-family home. From this we determined that home warranties cost an average of $53–$62 per month. Additionally, you'll pay a service call fee of roughly $65–$125 every time you file a claim. Basic home warranty plans are typically more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Many plans have add-on coverage options, but this will increase your monthly cost, so make sure you know what you need before purchasing a plan.

Coverage

Many home warranty companies offer plans for select appliances or systems. Determine which systems and appliances you use most often before choosing a plan. If you only need to cover certain major systems (like heating) or certain appliances, you can find a plan that meets your needs. 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 has shown that higher coverage limits tend to come with higher premiums. However, companies that offer higher coverage limits may still be the best option for houses with older systems or appliances.

Exclusions

Most home warranties only cover damage from normal wear and tear. They don't cover improper installation or preexisting conditions. Additionally, home warranties don't cover cosmetic issues or appliance components, defects, routine maintenance, or theft. Providers will outline exclusions and limitations in their service contracts. Read your contract thoroughly to make sure you understand your plan's terms and conditions.

Provider Reputation

Also, consider a provider's reputation when choosing a plan. You can read customer reviews on sites like Best Company, Trustpilot, and Google Reviews or look at a company's rating with the Better Business Bureau (BBB). Reviews and ratings are a great way to learn how providers handle customer service and claims. Check with the Minnesota Attorney General to verify that a provider holds a valid state license.

Contractor Network

Consider a home warranty company's network of service providers. Your company should always send licensed and registered contractors to fulfill service requests. Make sure you ask where and how a company sources its technicians. If you can, use a provider that mentions service contractors you're familiar with. Residents of rural areas should consider a home warranty policy that allows the customer to choose their technician. Rural areas may not have any in-network service providers available, and customers might need to source their own.

Frequently Asked Questions about Home Warranty in Duluth

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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