Skip to main content
  • Written by
    Jessica Hurtault
  • Fact Checked
  • Updated

Minnesota is no stranger to extreme weather. From summer heat to winter blizzards, the climate can take a toll on 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.

You want to find a reliable home warranty company that offers coverage in Minneapolis, Minnesota. That's why 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 Minneapolis

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 Minneapolis

  • Average Max Temperature:
    53°F
  • Average Min Temperature:
    36°F
  • Average Annual Snowfall:
    50.1”
  • Homeownership Rate:
    62%
  • Median Home Size:
    1,932 sqft
  • Median Home Price:
    $327,207

Are Home Warranties Worth It for Minneapolis Residents?

Home warranties are advantageous for Minneapolis residents. Minneapolis 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.

Minneapolis winters are freezing, which makes having reliable heating extremely important. HVAC system replacement can cost from $2,500 to $8,000. Home warranties, on the other hand, run about $644–$737 per year, based on 120 quotes we received from home warranty companies nationwide.

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

Lastly, a home warranty connects you with trustworthy service providers. A reputable home warranty is a good investment because companies vet their technicians. If you don't have time to do the research yourself, your home warranty company can ensure that someone reliable will handle your issue.

What To Consider Before Choosing a Home Warranty Company

Think about these key factors when picking your home warranty plan.

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. You also have to pay service call fees whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans are generally more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. You can often get add-on coverage for an additional monthly cost. Be sure you know your specific needs before choosing a plan.

Coverage

You can look for a home warranty plan that covers specific appliances and systems. Determine whether you want coverage for major systems (such as heating), specific appliances, or for both. Then ask your provider about its options for customized coverage. Here 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 coverage limits. Our research has shown that higher coverage limits tend to go hand in hand with higher premiums. However, providers that have higher coverage limits may still be the right choice for homeowners with older systems or appliances.

Exclusions

Usually, home warranties only cover damage from normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, cosmetic issues or appliance components, routine maintenance, theft, or defects aren't covered either. You can read about your provider's exclusions and limitations within your service contract. Be sure to read the contract carefully to 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 Trustpilot, Google Reviews, and Best Company or look at a company's Better Business Bureau (BBB) rating. Reviews and ratings are a great way to assess how providers handle claims and customer service. Check with the Minnesota Attorney General to verify that a provider holds a valid state license.

Contractor Network

Consider a home warranty company's service provider network. Companies should always send licensed and registered contractors to handle service requests. Make sure you ask how and where a company sources its technicians. We recommend picking a provider that mentions the names of familiar service contractors. Homeowners in rural areas may prefer a home warranty that lets them choose their technician. You'll want to be able to source your own provider if there are no in-network ones in your area.

Frequently Asked Questions about Home Warranty in Minneapolis

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.

Explore Useful Articles On Home Warranty

What Is a Home Warranty?

What Is a Home Warranty?

Dana Getz-April 26, 2024

How to Buy a Home Warranty (2024 Guide)

How to Buy a Home Warranty (2024 Guide)

Dana Getz-April 2, 2024

Home Warranty Regulation

Home Warranty Regulation

Dana Getz-April 2, 2024

Related Cost Guides

How Much Does a Home Warranty Cost? (June 2024)

How Much Does a Home Warranty Cost? (June 2024)

Stephanie Koncewicz-May 15, 2024

What Does a Home Warranty Cost a Seller?

What Does a Home Warranty Cost a Seller?

Dana Getz-April 3, 2024