Best 5 Home Warranty Companies in West Fargo, ND

Are Home Warranties Worth It for West Fargo Residents?

Yes, home warranties are worth it for West Fargo residents. Summers in West Fargo 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.

West Fargo 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 annually, based on 120 quotes we requested from home warranty companies nationwide.

Even the infrequent rain in West Fargo can damage your roof. The cost of repairs will be lower if you have a home warranty with roof-leak coverage. Finally, home warranties connect you with reliable technicians.

When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs. Reputable home warranty companies vet every service provider they work with.

What To Consider Before Choosing a Home Warranty Company

These key factors can help you choose 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 home warranties cost an average of $53–$62 per month. You'll also pay a service call fee of roughly $65–$125 each time you file a claim. Basic home warranty plans are generally more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. Many plans have add-on coverage options, but this will increase your monthly cost, so make sure you know your specific needs before choosing a plan.

Coverage

Most home warranty companies can tailor a plan to your needs. Make a list of the systems and appliances that you use often and need covered. If you only want coverage for select appliances or systems (such as your heating), you can often find plans to fit. 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 preexisting conditions or improper installation. Most policies only cover normal wear and tear. Most will also exclude cosmetic issues or appliance components, defects, routine maintenance, or theft. A provider will outline its exclusions and limitations in your service contract. Thoroughly read your contract to fully understand your plan's terms and conditions.

Provider Reputation

Provider reputation is another key factor to consider. You can browse real customer reviews on sites like Trustpilot, Best Company, and Google Reviews or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can give you insight into how a company handles customer service and claims. Check with the North Dakota Consumer Protection Division to verify the status of a provider's state license.

Contractor Network

Consider a home warranty company's service provider network. Be sure to ask your company where and how it sources technicians. A reputable company should use licensed and registered contractors to fulfill service requests. Select a provider that mentions service contractors you're familiar with. Homeowners in rural areas may consider home warranties that allow the customer to 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.