- 4 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
- $50–$55 per month
Many homeowners underestimate just how much money they need to have in savings to cover common repairs and replacements around their home. For example, a broken water heater would likely cost you around $550 to repair, while an air conditioner can cost up to $5,000 to replace.
A home warranty in Minnesota can provide you with the peace of mind that comes with knowing you won’t need to cover these expensive bills yourself. With a home warranty, you get protection for a list of items around your home. If one of your covered items breaks down, your provider will send a repair technician to your home and cover the costs in exchange for a small service fee. To learn more about how a home warranty works, read our guide on the best home warranty providers in your state.
Even the most well-maintained home in Minnesota can still run into expensive issues. Let’s take a look at some of the most common problems you’ll face as a homeowner in the Gopher State and how a home warranty can help repair these problems without breaking the bank.
American Home Shield is one of the oldest home warranty providers in the country with nearly 50 years of experience offering policies in Minnesota and beyond. Along with years of experience, you’ll also get generous coverage caps and fast customer service.
American Home Shield offers three policies:
You can customize your policy with the following add-ons:
Here’s what you can expect to pay for your policy each month:
Plan name | Price per month |
Systems Plan | $49.99 |
Appliances Plan | $49.99 |
Combo Plan | $59.99 |
American Home Shield also allows you to choose a $75, $100, or $125 service fee when you sign up for your policy.
Claim a free quote from American Home Shield by completing this online form or calling 888-365-2839.
Select Home Warranty is best known for saving its customers money. Along with policies for less than $40 per month and service fees at $75 per service call, you also get free roof leak coverage and two months of free coverage when you sign up.
Select Home Warranty offers the following policy choices:
Customize your plan with the following optional coverages:
Take a look at how much Select Home Warranty costs below:
Plan name | Price per month |
Bronze Care | $35.83 |
Gold Care | $35.83 |
Platinum Care | $37.50 |
Select Home Warranty’s service fee is $75 per call.
Claim a free quote from Select Home Warranty by completing this online form or calling 888-370-3953.
Choice Home Warranty has a 90-day repair guarantee. This means you won’t have to pay a second service fee if an appliance or system that was repaired in the last 90 days breaks down again.
Choice has two policies:
You can add any of the following to your plan:
Here’s what you can expect to pay per month for your plan from Choice Home Warranty:
Plan name | Price per month |
Basic Plan | $36.17 |
Total Plan | $42.50 |
You’ll also pay an $85 fee each time you need a repair.
Claim your free quote from Choice Home Warranty by completing this online form or calling 929-400-6164.
America’s First Choice (AFC) Home Club is one of the only home warranty providers that allows policyholders to choose their own service contractor. While most home warranty companies choose a technician on your behalf, AFC Home Club allows you to choose a technician you already trust.
AFC Home Club offers four policy options:
You can customize your plan from AFC Home Club with the following add-ons:
Take a look at pricing information for AFC below:
Plan name | Price per month |
System Plan | $43.18 |
Silver Plan | $43.18 |
Gold Plan | $52.27 |
Platinum Plan | $59.09 |
Like with American Home Shield, you can choose your own service fee between $75 and $125.
Claim your free quote from AFC Home Club by completing this online form or calling 877-755-1115.
Liberty Home Guard has the longest list of add-on coverages out of the providers in this review. With up to 20 options, you can add coverage to your policy for every area of your home for an additional amount each month.
Liberty Home Guard has three plans:
Take a look at this comprehensive list of add-on options:
Here’s what you can expect to pay for your Liberty Home Guard plan:
Plan name | Price per month |
Appliance Guard | $40 |
System Guard | $50 |
Total Home Guard | $60 |
You’ll also pay a $60 service fee each time you use your plan.
Claim your free quote from Liberty Home Guard by completing this online form or calling 866-451-2281.
From workmanship guarantees to optional coverages, here are a few of the factors you should consider before choosing a company and a policy:
We compared factors like price, customer service, coverage, and availability when recommending American Home Shield, Select Home Warranty, Choice Home Warranty, AFC Home Club, and Liberty Home Guard to homeowners in Minnesota. To narrow down your options, we recommend getting custom quotes from each of these providers to see what coverage and cost would look like for your specific home.
What do home warranties cover?
Home warranties cover major systems, like air conditioning, heating, and plumbing, and major appliances, like refrigerators, washers, and dryers. You can find plans that cover both systems and appliances or one or the other. You can also find companies that have add-on options to customize your coverage to include uncommon areas of your home, like pools and sprinkler systems.
What is the cheapest home warranty in Minnesota?
If you’re shopping on a budget, we recommend considering a policy from Select Home Warranty. Select Home Warranty has the lowest monthly premiums on our list of recommended providers as well as service fees on the lower end of the industry norm.
How can you save money when buying a home warranty in Minnesota?
The best way to save on a policy is to look for companies that have specials and discounts. For example, Select Home Warranty offers discounts if you purchase several years of protection at once. The company also gives you two months of free coverage when you sign up for a plan.
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