Best 5 Home Warranty Companies in Fargo, ND

Are Home Warranties Worth It for Fargo Residents?

Yes, home warranties are worth it for Fargo residents. Summers in Fargo are fairly mild, but it's still important that your air conditioner works well. However, this system can malfunction over time due to breakdowns from regular wear and tear.

Fargo also has freezing winters, meaning your heating system is working constantly during the colder months. The cost of replacing your HVAC system can range anywhere from $2,500–$8,000. Home warranties are comparatively cheaper at only $644–$737 annually, based on 120 quotes we received from home warranty companies across the nation.

Even the infrequent rain in Fargo can damage your home's roof. The financial burden of this will be lessened if you have a home warranty with roof-leak coverage. Lastly, home warranties connect you with reliable service providers.

Reputable home warranty companies vet each service provider they work with. 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

Think about the following factors to determine the right home warranty plan for your needs.

Cost

We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that the average home warranty cost is $53–$62 per month. You'll also pay a service call fee of approximately $65–$125 every time you file a claim. Comprehensive home warranty plans generally cost more than basic ones. Home systems coverage plans usually cost more than appliance plans. Add-on coverage options increase your monthly price, so consider your particular needs before purchasing a plan.

Coverage

You can often find home warranty plans that cover specific systems and appliances. Decide 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. 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

Most home warranties cover only normal wear and tear, which excludes preexisting conditions and improper installation. Most policies also exclude appliance components or cosmetic issues, theft, routine maintenance, or defects. Providers outline exclusions and limitations in their service contracts. Make sure you read yours carefully to fully understand the terms and conditions of your plan.

Provider Reputation

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

Contractor Network

Consider a home warranty company's service provider network. Companies should always use 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 home warranty policies that allow you to choose your technician. There may not be any in-network service providers in these areas, so you'll want the option to choose your own.