Best 5 Home Warranty Companies in Bismarck, ND

Are Home Warranties Worth It for Bismarck Residents?

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

Bismarck also has freezing winters, meaning your heating system is working constantly during the colder months. The cost of an HVAC system replacement can range anywhere from $2,500–$8,000. A home warranty plan is comparatively cheaper, only $644–$737 annually, based on 120 quotes we requested from home warranty companies nationwide.

Even in Bismarck, over time rain can damage your roof. Some home warranty providers offer limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, home warranties connect you with reliable service providers.

Reputable home warranty companies vet every service provider they use. If you don't have time to do the research yourself, investing in a home warranty ensures you have access to trustworthy technicians.

What To Consider Before Choosing a Home Warranty Company

These important factors can help you determine the right home warranty plan for your needs.

Cost

We received 120 quotes for a 2,000-square-foot, single-family home and determined that the average home warranty costs between $53–$62 per month. There are also service call fees that apply each time you file a claim. These fees range from $65–$125 per 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 your specific needs before purchasing a plan.

Coverage

You can often find home warranty plans that cover specific appliances and systems. Determine whether you need 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

• Built-in microwaves
• Clothes washers and dryers
• Dishwashers
• Garbage disposals
• Ovens
• Refrigerators
• Stovetops

Exclusions

Most home warranties only cover normal wear and tear, which excludes preexisting conditions and improper installation. Most policies also exclude cosmetic issues or appliance components, defects, theft, or routine maintenance. Your provider will outline its exclusions and limitations in its service contract. Thoroughly read your contract to fully understand the terms and conditions of your plan.

Provider Reputation

Consider a company's reputation when making a decision. You can also read real customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. These reviews can give you a sense of how providers handle customer service and claims. Check with the North Dakota Consumer Protection Division to verify that a provider holds a license with the state.

Contractor Network

Consider a home warranty company's service provider network. Be sure to ask your provider where and how it sources technicians. A reputable company should use licensed and registered contractors to fulfill service requests. If you can, use a provider that mentions service contractors you're familiar with. Rural homeowners should consider choosing a home warranty provider that lets customers pick their technicians. It's important to have the option to source your own providers if there are no in-network ones available in your area.