Best Home Warranty Companies in Minnesota (2021)

By Kathleen McCoy

Whether you are a new Minnesota homeowner or have been there your entire life, you will likely understand the benefits of living in this great state. With access to various outdoor activities, quick travel to Canada, and some beautiful changes between seasons, Minnesota is a wonderful place to own a home.

However, all homes can cause headaches at times. In our guide featuring the best home warranty companies in Minnesota, we will give you information on:

  • How to choose the best home warranty 
  • Why do Minnesota homeowners need a home warranty 
  • What the best companies in Minnesota are for home warranties

A home warranty is a protection plan for your appliances and systems. If a repair or a replacement is needed, the home warranty company will step in and cover it for you. Home warranties help to give homeowners peace of mind, and they protect against large and unexpected expenses. However, choosing the best home warranty in Minnesota can be a bit difficult. With lots of great options on the market, narrowing things down can take quite a bit of time and energy. If you are frustrated with this process and need to pick a home warranty plan, keep reading!

Minnesota’s Top 5 Home Warranty Companies

Although Minnesota homeowners are lucky to have more than 50 choices for their home warranty. This makes the process of narrowing things down quite a bit more difficult. We have taken all of the companies on the market and looked at pricing, service fees, company history, customer reviews, coverage caps, coverages, industry, and more. Here is how the top five plans in Minnesota ranked. 

  1. Choice Home Warranty: Best Overall 
  2. American Home Shield: Best Customizable Plans 
  3. Select Home Warranty: Most Cost-Effective Plans 
  4. Liberty Home Guard: Most Trustworthy 
  5. Service Plus Home Warranty: Best for Immediate Service 
Provider Website Best For… Monthly Cost Service Fee Years in Business BBB
Choice Home Warranty CHW Best Overall Basic Plan: $45/month

Total Plan: $53.33/month

$85 13 B-
American Home Shield AHS Best Customizable Plans ShieldSilver: $34.99-$49.99/month

ShieldGold: $44.99-$59.99/month

ShieldPlatinum: $59.99-$74.99/month

$75-$125 50 B
Select Home Warranty SHW Most Cost-Effective Plans Bronze Care Plan: $57/month

Gold Care Plan: $57/month

Platinum Care Plan: $63/month

$75 9 B
Liberty Home Guard LHG Most Trustworthy Appliance Guard: $64.99/month

Systems Guard: $69.99/month

Total Home Guard: $74.99/month

$60 2 A
Service Plus Home Warranty ServicePlus Best For Immediate Service Gold Plan: $53.67/month

Platinum Plan: $60.33/month

$75 5 NR

1. Choice Home Warranty

Best Overall

  • 2 plans available + optional add-ons
  • Has over 11 years of industry experience
  • 90-day repair guarantee
  • $46–$55 per month with $85 service fee

Choice Home Warranty is the best overall home warranty in the state of Minnesota. The first thing that will stand out about the Choice Home Warranty plan is the simplicity of the service contract and plan options. Home warranties can be overwhelming with the amount of fine print that comes along with your contract. Luckily Choice Home Warranty has spent the last 13 years in the industry making home warranties as simple and straightforward as possible. Choice Home Warranty is quite generous in the coverages that it offers for the price. In addition, they will not turn your home down if it is a bit older. 

The Choice Home Warranty only offers two plans to choose from. Each of the plans is a combo plan that offers both system and appliance coverage. Many Minnesota homeowners have a hard time choosing between appliance or system coverage so this is a great benefit to have. There is also a wide range of add-on coverages that you can attach to the Choice Home Warranty plan. 

The add ons to the Choice Home Warranty plan include: 

  • Central vacuum
  • Limited roof leak
  • Septic system
  • Septic tank pumping
  • Sump pump
  • Well pump
  • Pool/Spa
  • Second refrigerator
  • Standalone freezer
Plan Price Per Month Price Per Year
Basic Plan  $45 $560
Total Plan $53.33 $660

Choice Home Warranty has a service fee of $85. This is considered average, and you will see that most are between $60 and $150. 

The Choice Home Warranty is perhaps one of the most recognized and well-known home warranty plans on the market. If you want a company with an excellent reputation and a strong history in the industry, look no further than Choice Home Warranty. 

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.  

For more information, read our Choice Home Warranty Review.

2. American Home Shield

Best Customizable Plans

  • 3 plans + add-ons and the option to build your own plan
  • Customers can choose the service fee they want to pay
  • Provides generous coverage caps
  • $35–$75 per month

American Home Shield is the most customizable plan in the state of Minnesota. Having the ability to add and subtract coverage based on the needs of your Minnesota home is a great benefit. No two homes are created equal, and American Home Shield will work with you to meet the coverage that you need. American Home Shield has more than 50 years in the home warranty industry, making them one of the most reliable companies on the market. If you care about customer service and quality of coverage, the AHS plan is one to consider. 

American Home Shield has three plan options to choose from. The Combo plans tend to be the most popular because of the mix of appliance and system coverage. In addition, people really are impressed with the electronics and pool and spa coverage that American Home Shield allows you to add to your policy. 

Some of the add on coverage that you can get with the American Home Shield warranty includes:

  • Electronic extended warranty
  • Pool and spas
  • Well pump
  • Septic pump
  • Guest unit
  • PC and TV
Plan Price Per Month Price Per Year
ShieldSilver Systems Plan $39.99 $479.88
ShieldGold Combo Plan  $49.99 $599.88
ShieldPlatinum Combo Plan $64.99 $779.88

The American Home Shield service fees range from $75 to $125. The lower the service fee, the higher your monthly payment is going to be. When you can customize both your coverage and your fees, you will see how valuable the American Home Shield plan is. 

For premium home warranty coverage in Minnesota, there is no better choice than American Home Shield. The time spent in the industry has allowed for an extremely strong network of repair technicians across the nation.

To get a free quote from American Home Shield, you can fill out this form or call 888-365-2839

To read more, visit our American Home Shield review.

3. Select Home Warranty

Most Cost-effective Plans

  • 3 plans ranging from $52-$58 per month + optional add-ons
  • Provides free roof leak coverage
  • Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos
  • Affordable service fee of $60

Select Home Warranty is the most cost-effective home warranty plan for Minnesota homeowners. The overall pricing, service fees, and add-on costs are considerably lower than other companies on the market. In addition, Select Home Warranty will include free roof leak coverage in any policy that it sells. The Select Home Warranty has been on the market for about nine years. One of the characteristics that Select Home Warranty is known for is the impressive workmanship guarantee that they offer. It takes a lot for a repair technician to qualify as a Select Home Warranty-approved repair technician. This reflects in the quality of the repair that you get. 

Select Home Warranty has three policies to choose from. The Gold Care and Bronze Care are the lower-priced options that are a bit more limited in coverage. The Platinum Care Plan is the best on the market with its combination of coverages and overall fair pricing. This is a plan that will quickly pay for itself after just one or two repairs. Select Home Warranty also offers several add-on options to help you get the plan to fit your Minnesota home.  

The add ons or options coverages from Select Home Warranty are:

  • Pool
  • Spa
  • Septic system
  • Well pump
  • Sump pump
  • Lawn sprinkler system
  • Roof leaks
  • Central vacuum
  • Stand-alone freezer
Plan Price Per Month Price Per Year
Gold Care $52.00 $579.99
Bronze Care  $52.00 $579.99
Platinum Care $58.00 $649.99

Yet another great benefit of the Select Home Warranty is the $60 service fee associated with the policy. The fee is lower than almost any other on the market, and it further increases the cost-effective nature of this policy. 

Select Home Warranty is a company that keeps budget in mind. If you are concerned with how much a home warranty will cost and whether or not it is worth it, this is a policy to consider quite closely.

Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.

Read our Select Home Warranty review to learn more.

4. Liberty Home Guard

Most Trustworthy

  • 3 plans ranging $65-$75 with 20 optional add-ons
  • Has a 60-day workmanship guarantee on all repairs
  • Customer service available 24 hours a day, seven days a week
  • BBB’s only A+ accredited home warranty provider

Liberty Home Guard is the most trustworthy home warranty in the state of Minnesota. Amazingly, Liberty Home Guard has only been on the market for two years, yet it has earned the distinction of most trustworthy. The BBB rating for LHG is an A; this is an infrequent occurrence in the home warranty industry. Liberty Home Guard has earned this distinction by paying close attention to homeowners’ needs, properly repairing covered items, and quick service. This is a company that is going to continue to grow in the years to come. 

Liberty Home Guard offers three policies to choose from. The systems plan, appliances, and combo plan give Minnesota homeowners some great choices to consider when picking out a plan. In addition, the list of add-on coverage options from Liberty Home Guard is one of the longest in the industry. 

The add on coverage from Liberty Home Guard is quite impressive and includes things like:

  • Pool and spa
  • Additional spa
  • Saltwater pool
  • Gutter cleaning
  • Floor/carpet cleaning
  • Sump pump
  • Fixtures
  • Water softener
  • Trash compactor
  • Lawn sprinkler system
  • Electronics protection
  • Swamp cooler
  • Ejector pump
  • Septic system pumping
  • Limited roof leak
  • Pest control
  • Locksmith
  • Free-standing ice maker
  • Central vacuum
  • Stand-alone freezer
  • Re-key
  • Second refrigerator
  • Wine refrigerator
  • Well pump
  • TV and PC
  • Generator
  • Water dispenser 
Plan Price Per Month Price Per Year
Appliance Guard $64.99 $649.99
Systems Guard $69.99 $699.99
Total Home Guard $74.99 $749.99

Liberty Home Guard has a $60 service fee. This is on the low end, and it helps to counterbalance the slightly higher overall costs of the Liberty home guard plan. 

Having spent just two years in the home warranty industry, Liberty Home Guard is an impressive company. Although we recommend considering company history, you will have to recognize the quality over the quantity when evaluating Liberty Home Guard.

To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281

To learn more information, visit our Liberty Home Guard review.

5. ServicePlus Home Warranty

Best For Immediate Service

  • Offers 2 plans + optional add-ons
  • Provides a 24/7 claims hotline open 365 days a year
  • Has a 90-day parts guarantee
  • Allows customers to make unlimited service calls

ServicePlus Home Warranty is the best home warranty for immediate service. During a cold Minnesota month, your heating system will need a quick and efficient repair. ServicePlus is the home warranty that you can count on. ServicePlus Home Warranty has about five years in the industry, and they have quickly learned how important it is to offer speedy service to their customers. The ServicePlus customer service and access to their customers are some of the best you will find in the industry. 

There are two combo plan options offered from ServicePlus Home Warranty. The long list of add-on coverages helps homeowners that have a second refrigerator or a pool and spa that they want to be covered under their policy as well. 

The optional coverage choices from ServicePlus Home Warranty include:

  • Pool / Spa
  • Additional Spa
  • Limited Roof Leak
  • Central Vacuum
  • Sump Pump
  • Well Pump
  • Septic System
  • Septic Pumping
  • Second Refrigerator
  • Stand Alone Freezer
  • Water Softener
  • Refrigerator Ice Maker
  • Free Standing Ice Maker
  • Add’l A/C System (each)
  • Add’l Heading System (each)
  • Water Heater (each)
  • Add’l Garage Door Opener (each)
Plan Price Per Month Price Per Year
Silver Combo $53 $636
Platinum Combo $60 $720

A ServicePlus Home Warranty deductible is priced at $75. This is just a few dollars more than Liberty Home Guard and Select and puts them in the same category as far as affordability is concerned. 

One of the overall benefits of choosing a home warranty plan is access to quick and reliable service. Not all companies will be quite as fast as ServicePlus, and this is an essential factor to keep in mind. 

To get a free quote from ServicePlus Home Warranty, you can fill out this online form or call 478-210-5091

Minnesota Home Warranty Buying Guide

Now that you have your options narrowed down to the top five, it’s time to choose the one that is best suited for your Minnesota home. There are several key features you can look for across these plans to ensure that you choose the best one for you. A few things that we would consider looking into are the overall pricing, BBB ratings, and exclusions. 

  • Overall Pricing: The overall pricing of the plan is going to be a combination of the monthly price and the service fees. You may have a budget in mind, and you will have to choose a plan that stays within budget but also offers the coverage that you need. 
  • BBB Ratings: BBB ratings are typically a good indication of what to expect from a company. Reading these reviews can help you see how a home warranty company handles issues that come up. 
  • Exclusions:  All home warranty companies will have exclusions. These can be anything from certain expensive parts in an appliance or an entire brand of appliances. Make sure that you carefully look into the exclusions to make sure you don’t run into a problem when you file a claim. 

Top Home Maintenance Problems in Minnesota

Home maintenance problems are something that all Minnesota homeowners will have to deal with at one point or another. As great as you are about keeping up with routine maintenance, sometimes normal wear will cause breakage. In Minnesota, some of the most common issues are with the electrical system, heating system, and cooktops. Let’s take a look at how having a home warranty in place can help you keep your Minnesota home in excellent working condition. 

  • Electrical System:  When your electrical system goes down, so does the rest of the systems and appliances in your home. Electricians charge large sums of money to come and diagnose the issues in your home. With a home warranty in place, the electrical system can be inspected and repaired for the cost of a service fee. 
  • Heating System: Minnesota winters can be a bit harsh. If you don’t have a functioning heating system, it can cause other more complicated problems in your home. A heating system is also quite expensive to repair, and a home warranty will protect against these high-cost expenses. 
  • Cooktop: A cooktop is a necessary appliance in a home to be able to put a great meal on a table. Most homeowners do not have the ability to work on a cooktop on their own, and they will need to ensure that a home warranty is in place to get this repaired properly.

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Our Conclusion

At this point, you should feel a little better about the best home warranty companies in Minnesota. There are so many great choices on this list that you can now choose a plan with confidence. The Choice Home Warranty still stands out as the best overall home warranty on the market. The time that Choice has spent in the industry, their impressive customer service, and the two combo plan options really set this plan apart. Although all of these companies offer great benefits, it does make sense to get quotes from more than just one provider. This way, you can compare the final pricing and coverages to ensure that you are getting the best deal for your Minnesota home. 

House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology.

We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home. Additionally, transparency and trust are our most important values for the reader.

That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to make sure no detail was left out.

To make the most of our research, we developed a formula to objectively determine the best home warranty companies based on the following criteria:

  • Plans: Do they provide a variety of plan options? We looked at the number of plans each company offered and the flexibility of adjusting the plan.
  • Prices: How reasonable are the monthly fees and service fees in comparison to the industry average? We compared the costs of each company to competitors.
  • Coverage: How many items are covered in each plan? We looked at the number of items each company covers. We dig into all service contracts available to get all the details.
  • Customer service: How is the customer experience when calling the providers? Based on our phone calls, we were able to judge each company’s customer service.
  • Trust: What do customers rate the company? We looked into what customers are saying about their experience with the company.
  • Nationwide availability: How many states does the company cover? We found the number of states covered by each company.
  • Unique perks: Does the company offer discounts or cover special items? We looked for perks offered by each company that sets them apart from the competition.

How do we keep our data up to date?

We want to make sure we’re providing you, the consumer, with the most current data available for every home warranty company we’ve researched and rated. That takes significant effort but we feel that’s vital to providing you thorough and trustworthy reviews.

With that in mind, we have dedicated staff members who regularly update our database of home warranty research.

For those that want to enjoy their years of being a veteran and come home to a house that is comfortable and functioning, a home warranty makes a lot of sense. For the price that a home warranty is offered, you will quickly learn that it is indeed a good value. At an average of around $40 per month, your policy will cost you just under $500 per year.

If you have ever had an appliance or a home system that needs repair, you probably understand quite well that you will quickly reach that $500 mark to get your home back up and running. Take your time to carefully consider your home warranty options, check around for veteran discounts and then give yourself the peace of mind that you deserve.

See the best home warranty companies in your state

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Frequently Asked Questions About Minnesota Home Warranties

How Much Does A Home Warranty Cost In Minnesota? 

A Minnesota home warranty will cost anywhere from $35 to $85 per month. Some companies will offer homeowners the option to pay for a year in advance to receive slightly reduced pricing. The plan will increase in cost when you include a lot of add on or optional coverages. 

Who Needs A Home Warranty?

Any Minnesota homeowner that is worried about the unexpected expenses of repair and replacement of systems and appliances in the home will benefit from a home warranty. If you know how to fix your own HVAC or dishwasher, a home warranty might not be a good fit. However, having a home warranty in place typically saves both time and money. 

What Is The Best Home Warranty Company In Minnesota?

Minnesota homeowners are lucky to have the Choice Home Warranty plan in place. This is a well-done home warranty policy with a good range of coverage options, more than 13 years in the industry, and impressive customer service. You can easily qualify for Choice Home Warranty coverage even if you live in an older home.  

How Does A Home Warranty Work?

A home warranty allows a homeowner to submit a claim for a repair on a covered appliance or system. At that time, the customer will pay a service fee to cover the cost of the repair technician diagnosing the issue. Once it is determined that the repair is to be covered under the limitations of the home warranty policy, there are no other costs incurred by the homeowner. 

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