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  • Written by
    Jessica Hurtault
  • Fact Checked
  • Updated

Minnesota is no stranger to extreme weather. From summer heat to winter blizzards, the climate can stress your HVAC system. That's why a home warranty is a smart investment for Minnesota homeowners. Home warranties can help you save money on repairs and replacements if your home appliances and systems break down.

If you're in Inver Grove Heights, 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 Inver Grove Heights

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 Inver Grove Heights

  • Average Max Temperature:
    53°F
  • Average Min Temperature:
    36°F
  • Average Annual Snowfall:
    46.7”
  • Homeownership Rate:
    74%
  • Median Home Size:
    2,257 sqft
  • Median Home Price:
    $357,884

Are Home Warranties Worth It for Inver Grove Heights Residents?

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

Inver Grove Heights winters are freezing, which makes having reliable heating extremely important. HVAC system replacement can cost from $2,500 to $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 per year, based on 120 quotes we received from home warranty companies nationwide.

The regular rain in Inver Grove Heights can damage your home's roof. Some home warranty providers offer limited roof-leak coverage, which can mitigate the cost of roof repair.

Finally, home warranties connect you with trustworthy service providers. When life is keeping you busy, you want to know that a reliable technician 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 key factors when selecting the right home warranty plan for you.

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 warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can get add-on coverage options, but this will increase your monthly cost—consider your specific needs before selecting a plan.

Coverage

Figure out which appliances and systems you use most often. You want your home warranty plan to cover these items. Most home warranties can be customized to your needs, and many providers offer systems-only plans for homeowners that only need select coverage (such as for heating). You can also get a plan that only covers select appliances. 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, look at a provider's coverage limits. A company with higher coverage caps makes more sense if you own older systems or appliances. However, based on our research, a company with higher coverage caps will typically charge higher premiums.

Exclusions

Most home warranties cover only normal wear and tear, which excludes improper installation and preexisting conditions. Most policies also exclude appliance components or cosmetic issues, defects, routine maintenance, or theft. Each provider outlines exclusions and limitations within its service contract. Make sure you read it and understand your plan's specific terms and conditions.

Provider Reputation

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

Contractor Network

Consider a home warranty company's service provider network. Make sure to ask how and where it sources technicians—reputable providers should always use licensed and registered contractors. If you can, use a provider that mentions contractors you're familiar with. Homeowners in rural areas might prefer a home warranty that lets them choose their technician. It's important to have the option to source your own provider if there are no in-network ones in your area.

Frequently Asked Questions about Home Warranty in Inver Grove Heights

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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