Best Home Warranty Companies in Minnesota

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. 

Minnesota’s top 5 home warranty companies

Top home maintenance problems in Minnesota

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.

• Roofing leaks: Select parts of Minnesota see upwards of 30 inches of rain in a year. If you live in an older home, your roofing might be more prone to leaks during these rainstorms. Some home warranty providers offer optional leak coverage that can help patch up damaged areas of your roof.
• Heating system damage: Minnesota winters are characterized by below freezing temperatures and heavy snowstorms. Your heating system will have to work overtime to keep your home a comfortable temperature during these months, which could lead to more frequent breakdowns. A home warranty with systems coverage will cover these repairs.
• Water heater breakdowns: Cold winters also affect your water heater, since it has to work harder to warm up your water. Any breakdowns that arise from this use will be covered under a systems plan. 

1. American Home Shield 

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:

• Systems Plan: The Systems Plan covers 12 home systems.
• Appliances Plan: The Appliances Plan covers 10 home appliances.
• Combo Plan: The Combo Plan includes everything in the Appliances and Systems Plans for a lower price.

You can customize your policy with the following add-ons:

• Electronic extended warranty
• Pool and spa
• Well pump
• Septic pump
• Duplex

Here’s what you can expect to pay for your policy each month: 

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.

2. Select Home Warranty

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:

• Bronze Care: The Bronze Care plan covers eight home appliances.
• Gold Care: The Gold Care plan covers six home systems.  
• Platinum Care: The Platinum Care plan covers everything in both the Bronze Care and Gold Care packages plus a few more items.

Customize your plan with the following optional coverages:

• Pool
• Spa
• Septic system
• Well pump
• Sump pump
• Lawn sprinkler system
• Central vacuum
• Standalone freezer

Take a look at how much Select Home Warranty costs below:

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. 

3. Choice Home Warranty

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:

• Basic Plan: Choice Home Warranty’s Basic Plan covers 14 home components.
• Total Plan: The Total Plan covers everything found in the Basic Plan plus your air conditioner, refrigerator, washer, and dryer.

You can add any of the following to your plan:

• Central vacuum
• Limited roof leak
• Septic system
• Septic tank pumping
• Sump pump
• Well pump
• Pool and spa
• Second refrigerator
• Standalone freezer

Here’s what you can expect to pay per month for your plan from Choice Home Warranty:

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.

4. America’s First Choice Home Club

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:

• System Plan: The System Plan covers six home systems.
• Silver Plan: The Silver Plan covers nine home appliances.
• Gold Plan: The Gold Plan covers everything in both the System Plan and the Silver Plan.
• Platinum Plan: The Platinum Plan covers everything in the Gold Plan plus a few more components.

You can customize your plan from AFC Home Club with the following add-ons:

• Sump pump
• Hot water dispenser
• Septic system
• Pool and spa
• Additional freezer
• Central vacuum
• Well pump
• Tankless water heater

Take a look at pricing information for AFC below:

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.

5. Liberty Home Guard

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:

• Appliance Guard: The Appliance Guard plan covers nine home appliances.
• System Guard: The System Guard plan covers six major home systems.
• Total Home Guard: The Total Home Guard Plan includes all coverages found in both the Appliance Guard and System Guard plans.

Take a look at this comprehensive list of add-on options:

• Ejector pump
• Grinder pump
• Septic system pumping
• Limited roof leak
• Pest control
• Central vacuum
• Standalone freezer
• Re-key
• Second refrigerator
• Well pump
• Sump pump
• Fixtures
• Water softener
• Lawn sprinkler system
• Electronics protection
• Swamp cooler
• Pool and spa
• Additional spa
• Gutter cleaning
• Floor/carpet cleaning

Here’s what you can expect to pay for your Liberty Home Guard plan:

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.

Minnesota home warranty buying guide

From workmanship guarantees to optional coverages, here are a few of the factors you should consider before choosing a company and a policy:

• Workmanship guarantee: There’s nothing worse than paying for a repair for one of your home’s systems or appliances only to have it break down again a week later. Look for a company that provides long workmanship guarantees so that you don’t have to pay your service fee a second time when this happens.
• Optional coverages: If you have a septic system, pool, spa, well pump, or another unique system or appliance in your home, be sure to look for a company that has a long list of optional add-ons so that you can cover these items. However, keep in mind that you will have to pay slightly more each month with extra coverages tacked onto your policy.
• Types of home: Though every home warranty will provide coverage for single-family homes, many home warranty providers exclude coverage for mobile homes, duplexes, and other types of properties. If you own a different type of home, be sure to do your research and find out what companies will cover you.

Our conclusion

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.

Frequently asked questions about Minnesota home warranties

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.