Best 6 Home Warranty Companies in Eagan, MN

Are Home Warranties Worth It for Eagan Residents?

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

Eagan winters can be freezing, which means you rely heavily on your heating system. Replacing your HVAC system can cost anywhere from $2,500–$8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we received from home warranty companies nationwide. The regular rain in Eagan can damage your roof.

The financial burden of this will be lessened if your home warranty has roof-leak coverage. Lastly, home warranties connect you with trusted service providers. Reputable home warranty companies vet all their service providers.

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

Think about these important factors when selecting the right home warranty plan for you.

Cost

After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost an average of $53–$62 per month. Additionally, you'll pay a service call fee each time you file a claim. Service call fees typically range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before committing to a plan.

Coverage

Most home warranties can be somewhat customized to your needs. Make a list of the appliances and systems that you use often and would like coverage for. If you only want coverage for select systems or appliances (such as your heating), you can often find plans to fit. 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

Generally, home warranties only cover breakdowns from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, cosmetic issues or appliance components, defects, theft, or routine maintenance aren't covered either. Providers will outline limitations and exclusions in their service contracts. Thoroughly read your contract to ensure you understand your plan's terms and conditions.

Provider Reputation

Also, consider provider reputation when choosing a plan. You can read customer reviews on sites such as Trustpilot, Google Reviews, and Best Company or look at a company's rating with the Better Business Bureau (BBB). Reviews and ratings are a great way to see how providers handle claims and customer service. 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. Be sure to ask your provider how and where it sources technicians. All reputable companies should use licensed and registered contractors to handle service requests. Select a provider that mentions service contractors you're familiar with. Homeowners in rural areas should consider choosing a home warranty that lets them select their technicians. You'll want the option to source your own providers if there are no in-network ones available in your area.