Updated Jan 10, 2023
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North Dakota has lots of land, impressive views, no state income taxes, and some of the least stressed residents of any state in the nation. However, homeowners still have to deal with quite a bit of stress when systems and appliances start to break down and need repairs. As great as homeownership is, there are issues that come along with owning a home that can impact your peace of mind and your budget.
North Dakota has a wide range of weather conditions throughout the course of a year, and normal wear can happen at a faster pace. A home warranty can help save both time and money. In our guide featuring the best home warranties in North Dakota, we will give you information on how to choose a home warranty, why ND homeowners need a warranty, and the best companies in North Dakota for a home warranty.
Why Trust House Method
House Method’s Experts collected and analyzed 2000+ critical data points to identify what makes a great home warranty company in the eye of the consumer. Our reviews team used this data to assess over 60 home warranty providers for coverage extent, annual cost, and national availability to provide unbiased reviews so homeowners can confidently navigate key decisions about their homes.
Choice Home Warranty is the best overall home warranty in the state of North Dakota. With a Choice Home Warranty plan you will be getting a company that has more than 13 years of experience in the business and a BBB rating of B-. Through the years Choice has always remained one of the most straightforward home warranty service providers, ensuring customers truly understand the policy that they have purchased. The coverage limits with the Choice Home Warranty policy are quite high reaching $2500 or $3000 on all of the covered items.
There are two Choice Home Warranty policies to choose from. Many plans will make customers choose between systems or appliances, but Choice Home Warranty has both systems and appliances as part of each plan. The Total Home Plan is an excellent choice for maximum peace of mind. Choice’s add-on coverage choices are also a good choice for North Dakota homeowners that have unique features and updates to their home. The service fee from CHW is $85.
Here’s a detailed look at Choice Home Warranty’s coverage:
Choice Home Warranty has several add-on coverages that you can add to either of its plans.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
Read the full Choice Home Warranty Review.
Select Home Warranty is the most cost-effective home warranty plan for North Dakota homeowners. Adding the expense of a home warranty can be discouraging for many homeowners. The great thing about Select Home Warranty is that they keep your budget in mind throughout the entire process. The monthly fees are fair, service fees are low, and they even throw in free roof leak coverage with the policy. The Select Home Warranty plan has been on the market for more than nine years and has a very strong reputation for workmanship.
Select Home Warranty gives homeowners three plans to choose from. A quick look at these plans, and you will realize that the Platinum Care Plan is the most cost-effective option on the list. This is just a few dollars more per month but combines the coverage offered in both the Gold and Bronze Care plan. In addition, there are some add-on coverages aside from the free roof leak coverage that you can add to your plan. The service fee from Select Home Warranty is $65, considerably lower than others on the market.
Here’s a detailed look at Select Home Warranty’s coverage:
Select Home Warranty has several add-on coverages that you can attach to either of its plans; roof leak coverage is included without paying extra.
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.
American Home Shield is the most customizable plan in the home warranty industry. If you live near a North Dakota city or have a home out in the country, the house you live in may be quite unique. Therefore choosing a policy that is a stock or standard plan may not be a good fit. With American Home Shield, you benefit from more than 50 years of time in the home warranty industry. AHS has a BBB rating of a B and is considered to be a premium home warranty provider.
There are three plans that American Home Shield offers to North Dakota residents. However, these plans can then be customized to work for the needs of your home. In addition, you are also able to customize the service fee that you pay. Higher service fees typically result in lower monthly payments. American Home Shield also is known for having very good pool and spa coverage for its customers.
Here’s a detailed look at American Home Shield’s coverage:
American Home Shield also offers several add-on coverages for homeowners to consider.
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.
The Home Service Club has the quickest coverage of any home warranty provider in North Dakota. If you are in a situation that requires you to get home warranty coverage fast, The Home Service Club will be your best choice. Just ten days after paying for your policy, The Home Service Club offers you the ability to request service. Most home warranty companies require a 30-day waiting period. The Home Service Club has been in the industry for 13 years and has a tremendous reputation.
There are two The Home Service Club plans for homeowners to choose from. The Standard Coverage plan and the Comprehensive Coverage Plan both have more than 15 covered systems and appliances. Similar to CHW, The Home Service Club offers a combination of both system and appliance coverage, making it a smart choice for a wide range of home repairs. The service call fee from The Home Service Club is customizable and will range from $65 to $125.
Here’s a detailed look at The Home Service Club’s coverage:
The Home Service Club also has plenty of add-on options, starting around $5 per month and increasing from there.
To get a free quote from The Home Service Club, fill out this online form or call 800-842-9334.
To learn more information, visit our The Home Service Club review.
Liberty Home Guard is the most trustworthy home warranty in the state of North Dakota. There are some bad reviews of home warranty companies out there. This can scare some North Dakota residents away from choosing a home warranty plan. However, after just two years in the home warranty industry, Liberty Home Guard has managed to earn an A rating with the BBB. This is a difficult task in the home warranty industry. With LHG being a newer company, it is quite easy to get in touch with them and fill out a claim. Overall the custom service reviews from LHG are some of the best in the industry.
When it comes to coverage options, you will notice that LHG has a very broad range of coverage options to choose from. Whether you want to go with a lower-priced appliance-only plan or a premium plan with lots of add-ons, you will have those choices. The add-on coverage from Liberty Home Guard is some of the most extensive on the market. Service fees from Liberty Home Guard are just $75.
Here’s a detailed look at Liberty Home Guard’s coverage:
Liberty Home Guard has one of the most extensive lists of add-on coverages in the industry; these will include:
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.
The average cost of a home warranty plan in North Dakota is about $775 per year. The cost of the home warranty will vary depending on the size of your North Dakota home and the individual coverages that you choose. Some plans with a customizable deductible or service fee can be good for those on a budget. These plans will give you more control over the monthly payment and the budgeting process. Customers shopping for a home warranty should also consider the coverage caps, service fees as well as any cancellation fees.
|Home Over 5,000 sq ft||$1,294.73|
|Home Under 10,000 sq ft||$710.20|
|Home Warranty Company||Choice Home Warranty||Select Home Warranty||American Home Shield||The Home Service Club||Liberty Home Guard|
|Best For||Best Overall||Most Cost Effective||Best Customizable Plans||Quickest Service||Most Trustworthy|
|Annual Limit||Up to $3000 per covered item||Up to $2000 per covered item||Up to $6000 per covered item||Up to $2500 per covered item||Up to $2000 per covered item|
|Average Response Time||Up to 48 hours||Up to 48 hours||Up to 48 hours||Within 24 hours||Within 24 hours|
|State Availability||Excludes WA||Excludes NY, NV, WA, WI||Excludes AK||Available in All States||Excludes WA & WI|
|Online Chat / Mobile App||No||No||Yes||Yes||Yes|
|Quote||Get Quote||Get Quote||Get Quote||Get Quote||Get Quote|
We hope you now feel a bit more confident about making a home warranty decision for your North Dakota home. North Dakota homeowners are lucky to have so many different plans to choose from, but Choice Home Warranty stands out as the best overall. Whether you are new to homeownership or have been in it for many years, you will quickly see that Choice has everything you can ask for. It doesn’t hurt to get quotes from more than one home warranty company so that you can have full confidence in your decision to go with Choice.
We hope you feel a little less overwhelmed now that we have narrowed down these choices to the top five best on the market. When it comes time to make the decision about which of these five plans is best for your North Dakota home, we suggest you consider the company history, coverage choices, and overall pricing.
Living in North Dakota means that you get to experience some of the cold and some of the warm. Having four distinct seasons is a great benefit of living in North Dakota; however, it also means that you may struggle with keeping all of your home systems and appliances in good working order. Three of the top home maintenance problem areas that North Dakota homeowners tend to run into include plumbing systems, kitchen appliances, and heating systems.
A home warranty is a protection plan for home systems and appliances. The home warranty will ensure that all homeowners are adequately protected from high out-of-pocket repair or replacement-related expenses. Home warranty plans will cover systems, appliances, and add-on coverage, and they are well known for the peace of mind that they provide homeowners. Home warranty plans vary in price and typically range from around $40 a month to more than $70 per month.
Homeowners’ insurance and home warranties are not the same. A homeowners insurance policy will work to keep you protected should you experience a fire, natural disaster, or even a water line break. The homeowner’s insurance policy is typically mandatory when you have a mortgage on your home. Home warranty providers offer protection for the home systems and appliances that we use daily. These include things like the microwave and the electrical system. Home warranty plans have service call fees, which are similar to deductibles seen in homeowners insurance but considerably less expensive.
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Having a better idea as to which home warranty is best for your needs is important; however, if you are wondering how they work, here is some necessary information. The process for filing a claim with your home warranty provider is quite simple; you must, however, ensure you are taking care of your home appliances and systems.
Most home warranty plans on the market will have three basic types of coverage. These will include system coverage, appliance coverage, and add-on coverage. When looking at these coverages and how they will help you protect your home, you must remember that home warranty plans only cover normal wear. Outside of normal wear, the policy will have a large number of exclusions.
The appliances that homeowners cover under a home warranty plan are typically the washer, dryer, refrigerator, stovetop, and other kitchen appliances. These are items that we use daily and tend to experience the most frequent breakdown. Systems like HVAC, heating systems, electrical and more are all included under systems coverage.
The add-on options for a home warranty plan include things like swimming pools, lawn sprinklers, and locksmiths. These coverages are not necessary, and they will typically require an additional investment of anywhere from $5 to $25 per month for each additional coverage.
Home warranty plans are going to cover normal wear and systems and appliances. However, having a home warranty in place does not make you exempt from caring for your systems and appliances. You must still follow preventative maintenance procedures and do the best you can to keep things in working order. Here are a few of the things that are not covered by a home warranty plan:
Homeowners in North Dakota will typically be pleased to have a home warranty in place. These plans are known to save hundreds and sometimes thousands of dollars for homeowners. However, there are times that people get frustrated with the home warranty plan, the way it is structured, and the overall ability to use it when it is needed the most. Here are a few of the biggest complaints about home warranty companies in ND.
A North Dakota home warranty is worth the money. Whether you are a new homeowner or someone on a tight budget that is worried about high out-of-pocket expenses, the North Dakota home warranty can help ensure you have peace of mind in your home. Most homeowners find that after about one to two repairs, the home warranty pays for itself.
Home warranty plans will assist you when things like refrigerators or washing machines need to be replaced. Many times appliances were put in around the same time, and they will start to die out around the same time. If replacing several appliances in the cost of one year has you worried, the home warranty will help.
Without a home warranty in place, you will pay $75 or more just to have a company come out and look at the issue you are facing. After this inspection, the repair could cost hundreds or thousands of dollars. With the ND home warranty, expect a $75 service fee to cover the inspection as well as the repair.
A North Dakota home warranty can cost anywhere from around $38 a month to $70 or more per month. The pricing of a North Dakota home warranty will increase when you add coverage and when you lower the service fees. If you are interested in a low-cost policy with great value, take a look at the Select Home Warranty options.
Most home warranties do not cover pre-existing conditions. Pre-existing conditions are a gray area in-home warranties that can create loopholes for coverage. However, there are ways to increase your chances of getting coverage. Doing your research on the following contract terms can save you hassle in the future if you plan on sticking with your home warranty company long-term.
The service fee is the price you pay each time you schedule a repair under your home warranty policy. Service fees range in price from $60 to $150. The lower the service fee, the more affordable the policy, even when you need to use it for a repair or replacement.
The best home warranty in North Dakota is Choice Home Warranty. Choice has been in the industry for more than 13 years; it has some excellent customer service reviews, impressive coverage choices, and lower service fees. Choice Home Warranty is an excellent plan for those new to the world of home warranties and is wondering about what is covered and what is not covered.
A home warranty policy will be well worth the price you pay. Most homeowners find that it only takes one or two repairs to help justify the cost of the policy for the entire year. However, the other great benefit of a home warranty is that it helps you have peace of mind about being a homeowner. Home warranties will help you maintain your budget and take away the fear that your home will have appliances and systems that you can’t afford to repair.
At House Method, transparency and trust are our most important values for the reader.
To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.
We developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria. We used a five-point scale with a point index ranging from 0.00 to 1.00. The minimum awardable value is 0.0, whereas 1.00 is the maximum. These numeric points are translated into star ratings, using whole star increments between one and five.
Here is a quick breakdown of our five core scoring categories:
Additional Home Warranty Resources