Best 6 Home Warranty Companies in Shakopee, MN

Are Home Warranties Worth It for Shakopee Residents?

Home warranties are worth it for Shakopee residents. Shakopee summers are fairly mild, but it's still important to have a reliable air conditioner. However, over time this system can malfunction due to breakdowns from regular wear and tear.

Shakopee winters can be freezing, which means you rely heavily on your heating system. Replacing your HVAC system can cost between $2,500 and $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 Shakopee can damage your home's roof.

The cost of repairs will be lower if your home warranty has roof-leak coverage. Finally, home warranties connect you with reliable service providers. Reputable home warranty companies vet every service provider they use.

If life keeps you busy, investing in a home warranty ensures a trustworthy technician will fix your issue.

What To Consider Before Choosing a Home Warranty Company

These key factors can help you select the right home warranty plan for your needs.

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 monthly. Additionally, you'll pay a service call fee every time you file a claim. Service call fees typically 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. Many plans have add-on coverage options, but this will increase your monthly cost, so make sure you know what you need before choosing a plan.

Coverage

Determine the appliances and systems you use the most. Most home warranty plans offer customizable coverage tailored to your needs. If you only want coverage for select systems, like your heating, most providers offer systems-only plans. The same is true if you only want coverage for select appliances. The following 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 don't cover improper installation or preexisting conditions. Most policies will only cover breakdowns from normal wear and tear. Most will also exclude appliance components or cosmetic issues, theft, routine maintenance, or defects. You can read about your provider's limitations and exclusions in your service contract. Be sure to read the contract carefully to understand your plan's terms and conditions.

Provider Reputation

Also, consider provider reputation when choosing a plan. You can find 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 assess 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

Consider a home warranty company's network of service providers. Ask where and how it sources technicians—reputable companies should always use licensed and registered contractors. Choose a provider that mentions the names of familiar contractors. Rural homeowners might consider choosing a home warranty that lets them select their technicians. You'll want the option to source your own providers if no in-network ones are available in your area.