As a fellow Midwesterner, I know all too well the extreme weather challenges North Dakota homeowners face. Long, frigid winters and blistering summers put incredible strain on essential home systems. So when an appliance fails, your heat won’t turn on, or your pipes burst, urgent repairs are necessary. And if you pay out of pocket for them, you may quickly deplete your savings. A good home warranty plan can protect you from that. However, many North Dakota homeowners are rightly skeptical of home warranties. Between aggressive sales tactics and refused claims, the industry has a shaky reputation. 

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Best for Customization
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Best Value
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I researched the top home warranty options available in North Dakota since coverage could provide peace of mind against unexpected breakdowns and bills. I scrutinized the fine print to expose sneaky exclusions. I analyzed thousands of reviews to gauge real customer experiences. Using Today’s Homeowner’s rating criteria like affordability, reputation, and responsiveness, I filtered out the subpar providers.

In the end, five home warranty companies stood out, and I confidently recommend them to North Dakota homeowners. These reliable providers offer comprehensive coverage to handle common issues like furnace failures, frozen pipes, AC breakdowns on hot summer days, and more. Their plans are clear without confusing legal jargon. Most importantly, all five have solid reputations for paying claims quickly to restore essential home systems. With this thorough analysis, I am confident the five providers below are the best home warranty companies in North Dakota. 

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Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.

76

Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.

152

We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.

6

Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.

Read our full Home Warranty Review Methodology for more details.

Table of Contents

    Top 5 North Dakota Home Warranty Companies

    Liberty Home Guard: Best For Customization
    Highlights
    • Liberty Home Guard is my top recommendation for North Dakota homeowners. It enables you to customize your plan from 40 add-ons to match your specific home. Extra coverage for things like well pumps, generators, pest control, and carpet cleaning suits rural properties and our climate. Liberty may be newer, but positive feedback on responsiveness gives confidence they can handle claims.
    • American Home Shield (AHS) stands out as a top contender to me as well because of its fast 24-hour claims response time. With the state’s frigid weather, getting same-day service could prevent small problems from becoming big headaches. For example, a broken furnace or leaky pipe left unchecked during the winter could cause major damage.
    • No matter which company you consider, scrutinize exclusions, limits, and covered systems up-front to avoid surprise costs later. Make sure it includes your most important appliances and equipment at adequate coverage caps, either in base packages or as optional add-ons. Doing your homework on the policy fine print is essential to determine what precisely you’re paying for.

    My Expert Recommendation

    After comparing contracts and capabilities, Liberty Home Guard stood out for its flexibility — with over 40 optional add-ons to match North Dakota’s unique needs. With the state’s long and freezing winters, essential systems like your furnace get pushed to the max. With this increased wear and tear, the chances of a breakdown are more common, especially in the dead of winter. That’s why I found Liberty’s responsive 24/7 emergency repair service so vital during these types of urgent issues.

    For North Dakotans with high-end appliances, I recommend American Home Shield. As an established company with a strong reputation, it offers generous coverage caps up to $5,000 for home systems and $4,000 for appliances — enough to cover most home items. While no warranty is exclusion-free, American Home Shield’s higher limits make it easier to safeguard costly equipment.

    In the end, Liberty’s custom plans and American Home Shield’s ample coverage caps make both providers strong options for North Dakotans wanting real protection from unexpected home repair bills. Before choosing any home warranty, scrutinize what exactly is included and excluded. Both Liberty and AHS provide reassuring coverage to handle our state’s extreme weather conditions. That said, all five of my recommendations on this list have standout benefits, and I am confident they will give you peace of mind. 

    Today’s Homeowner Tips
    After comparing contracts and capabilities, Liberty Home Guard stood out for its flexibility — with over 40 optional add-ons to match North Dakota’s unique needs.

    North Dakota Home Warranty Companies I Didn’t Include

    I decided not to include Choice Home Warranty in my home warranty recommendations for North Dakota residents. My reason stems from an open consumer fraud lawsuit filed against Choice by the Arizona Attorney General. While the case remains legally unsettled, I cannot comfortably endorse Choice to locals here until the lawsuit concludes and I can fully review the final findings.

    If the case reveals legitimate and systemic issues with deceptive or fraudulent business practices, that will cement my reason to continue excluding and cautioning North Dakotans against this provider. However, if the case gets dismissed without concerning evidence, I would reevaluate including Choice in my recommendations after verifying improved business standing with more research.


    Compare The Highest-Rated Home Warranties in North Dakota

    CompanyRatingMonthly CostService FeeResponse TimeBBB RatingLink

    $50-$60

    $75

    12-48 hrs.

    NR

    VISIT SITE
    AHS Logo

    $35–$75

    $100–$125

    24-72 hrs

    B

    VISIT SITE

    $44.99-$58.99

    $70

    48 hours

    A+

    VISIT SITE
    choice home warranty logo

    $46–$55

    $85

    24-48 hrs.

    B

    VISIT SITE
    select home warranty logo

    $52–$58

    $60

    24-48 hrs.

    B

    VISIT SITE
    AFC Home Warranty logo

    $38–$62

    $75–$125

    48 hours

    B

    VISIT SITE
    first american logo

    $38–$48

    $75–$125

    48 hours

    B

    VISIT SITE

    $17–$60+

    $65–$100

    2–24 hrs

    A-

    VISIT SITE

    $28–$68

    $100–$150

    2–24 hrs

    B

    VISIT SITE

    Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.


    Our Reviews of the Best Home Warranties in North Dakota

    Best for Customization

    Liberty Home Guard

    4.6

    Our Rating

    Limited Time:
    $200 Off + 2 Months free + Free Roof Leak Coverage

    I like that Liberty provides robust customization to match North Dakota’s unique needs. With over 40 coverage add-ons, you can protect specialized systems like backup generators, septic tanks, multi-zoned HVAC setups, and more. For rural North Dakota properties, flexibility to cover well pumps, generators, and piping prevents expensive repair bills.

    I also like that Liberty holds 4.7 stars on Google and Trustpilot with consistent praise for responsive, helpful service compared to lackluster 2–3-star industry averages. This higher rating brings me confidence for when urgent repairs strike.

    I had high hopes for Liberty Home Guard’s flexible coverage. However, after comparing the fine print, I discovered several limitations that North Dakota homeowners should note. For starters, Liberty’s $2,000 systems and appliance coverage maximums fall well below competing providers — less than half the limits from American Home Shield. Those lower caps could mean large out-of-pocket bills if your equipment needs a full replacement. I also found Liberty’s blanket exclusions of any preexisting defects and rigid pricing terms frustrating.

    With North Dakota’s frigid winters and hot summers, using a home warranty to protect you against the sudden and often staggering repair bills for appliance and home system breakdowns is essential. This is where Liberty Home Guard shines as an affordable, customizable choice. Starting around $50 monthly, Liberty’s plans have comprehensive coverage and feature 40+ useful add-on options like generator coverage, pest control, and even limited roof leak protection for North Dakota homes. Such robust add-ons earn Liberty my high 9.3/10 rating for the flexibility to match unique home needs.

    One drawback is Liberty’s $2,000 coverage cap, however. For high-end appliances, that cap may not fully cover replacement costs for expensive systems and appliances like furnaces, AC units, refrigerators, etc. But for standard home systems, it should sufficiently handle most breakdowns. And Liberty doubles industry standards with an exceptional 60-day workmanship guarantee on repairs, providing cost-free fixes for any early repeat issues.

    However, if you don’t have ultra-premium appliances, few companies can match Liberty’s custom plans, low pricing, and responsive service. Its customer ratings also shine across review sites like Google, Trustpilot, and Yelp. With luxury brands like Viking or Wolf, consider exploring higher coverage limits from other home warranty providers, like American Home Shield and Elite Home Warranty. Still, Liberty Home Guard earns its place as my top recommendation for most North Dakotans wanting protection from surprise home repair bills.

    Liberty Home Guard earns top marks for its customizable home warranty plans. With coverage options for appliances, systems, or both, Liberty brings welcome flexibility for North Dakota homeowners. Personally, I prefer its Total Home Guard plan since it bundles appliance and system coverage for $60 monthly — just $10 more than the base Appliance Guard. This comprehensive plan brings confidence that all my major home systems have protection.

    Starting at $50 per month, Liberty’s pricing equals national averages for home warranties. Most add-ons like electronics, pest control, and roof leak coverage range from an extra $8-$15 monthly. My one critique is Liberty’s $65-$125 service call fees, which exceed the $75 industry standard. However, discounts like two free months for annual payments or seasonal $225 coupons help offset these charges. I scored Liberty an impressive 10/10 rating for its flexibility to customize plans addressing North Dakota’s extreme weather risks coupled with reasonable pricing. With almost 50 coverage options to choose from, Liberty Home Guard lets you tailor protection to match your unique home.

    PlanMonthly CostService FeeAvailable Discounts
    Appliance Guard$49.99$65 $1252 months free, $225 off coupon
    Systems Guard$54.99$65 $1252 months free, $225 off coupon
    Total Home Guard$59.99$65 $1252 months free, $225 off coupon

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Fargo, ND. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    Liberty Home Guard offers the following optional add-ons for North Dakota homeowners. Considering the vast rural areas in the state, people living outside the city regions should appreciate the optional well pump and septic tank pumping coverage. I live in a rural area myself and understand firsthand how costly these items are out of pocket. I also like the options for routine maintenance tasks that are crucial to keeping your home in good shape — carpet cleaning, gutter cleaning, pest control, power washing, and window washing. 

    • Carpet cleaning: $19.99/month
    • Casita guest unit: $35.99/month
    • Central vacuum: $8.99/month
    • Electronics protection: $19.99/month
    • Ejector pump: $14.99/month
    • Freestanding ice maker: $14.99/month
    • Generator: $19.99/month
    • Grinder pump: $14.99/month
    • Gutter cleaning: $14.99/month
    • Ice maker (in-fridge): $3.99/month
    • Instant hot water dispenser: $9.99/month
    • Lawn sprinkler system: $9.99/month
    • Lighting fixtures: $7.99/month
    • Limited roof leak: $11.99/month
    • Pest control: $14.99/month
    • Plumbing fixtures: $7.99/month
    • Pool and spa: $19.99/month
      • Additional spa: $9.99/month
    • Power washing (exterior flooring): $19.99/month
    • Pro-series clothes dryer: $4.99/month
    • Pro-series dishwasher: $7.99/month
    • Pro-series microwave: $4.99/month
    • Pro-series range/oven/cooktop: $12.99/month
    • Pro-series refrigerator: $14.99/month
    • Pro-series stand-alone freezer: $14.99/month
    • Pro-series washing machine: $4.99/month
    • Re-key: $9.99/month
    • Reverse osmosis water filter system: $14.99/month
    • Salt water pool: $23.99/month
    • Second refrigerator: $7.99/month
    • Septic system pumping: $12.99/month
    • Sump pump: $8.99/month
    • Swamp cooler: $14.99/month
    • Trash compactor: $7.49/month
    • TV mounting (up to 65-inch TVs): $14.99/month
    • TV mounting (up to 85-inch TVs): $19.99/month
    • Water dispenser water line: $4.99/month
    • Water softener: $13.99/month
    • Well pump: $12.99/month
    • Window washing/cleaning: $19.99/month
    • Wine cooler/fridge: $11.99/month
    Exclusions

    LHG has the following exclusions from its plans. These are all standard exclusions. 

    • Cosmetic defects
    • Cranes or other specialty vehicles required to install, remove, or access your appliances or home systems
    • Disposal of appliances, systems, or components
    • Electronics, computerized, “smart,” or Internet/enabled components and parts
    • Filters associated with any covered items
    • Fire sprinkler systems
    • Flues, vents, chimneys, and exhaust lines
    • Glass parts
    • Lighting
    • Malfunction or damage due to acts of God
    • Noise
    • Radon and other leak detection monitoring systems
    • Remote receiving and transmitting devices
    • Solar systems and applications

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    Liberty Home Guard offers competitively priced home warranty plans starting at $49.99 per month, equaling the industry average. This makes its base coverage affordable for most North Dakota homeowners. However, Liberty’s add-ons average $14.99 monthly, exceeding the $6-$13 range from other providers. There is also a $65-$125 service fee each time you file a claim, which is higher than most competitors.

    On the positive side, Liberty uniquely covers specialty items other warranties exclude, like reverse osmosis filters and pro-series appliances. But it only covers items up to “book value,” not the full pre-depreciation cost — which means if your clothes washer was $850 brand new and breaks beyond repair at two years old, Liberty might only pay up to $650 for a replacement. Liberty also caps coverage at $2,000 per item, less than its leading rivals.

    Still, for North Dakotans with unique systems, Liberty brings a welcome flexibility, albeit with higher fees. I give them an 8.9/10 score for affordability since base plan rates match industry norms. But you may pay more overall if your home requires those specialty add-ons. Carefully weigh the pros and cons before enrolling to make sure Liberty Home Guard aligns with your budget and coverage needs.

    I give Liberty Home Guard decent marks of 7.8/10 for customer experience. Enrollment is smooth thanks to transparent online quoting, which lets you easily compare coverage options. Customizing my plan during my secret shopping took just minutes. Once you enroll, Liberty provides multiple convenient contact methods — chat, call, and email. This accessibility delivers swift support and prevents frustrations when issues arise.

    However, Liberty’s 30- to 60-day waiting period before coverage activates is no better than industry averages. On the other hand, I particularly like their 60-day service guarantee on repairs. This provides reassurance that any work performed meets proper quality standards the first time.

    I give Liberty Home Guard a stellar 9.1/10 rating for its exceptional reputation. Among North Dakota home warranty companies, no provider earns such consistently glowing praise across thousands of reviews as Liberty. Its overwhelmingly positive Google and Trustpilot reviews highlight representatives going above and beyond, smooth claims processes, and swift issue resolution. I had to search deep to find any negative feedback — the ones I found primarily cited longer wait times or unexpected fees. Some negative reviewers just seemed confused about contract terms. 

    Liberty also draws positive reviews from employees on Glassdoor, spotlighting a supportive company culture driving top-notch service. With rave customer and employee reviews, Liberty stands apart for prioritizing people first — whether policyholders or staff. 

    Rating SiteRatingNumber of Reviews
    BBBNR*Customer Reviews are not used in the calculation of BBB Rating
    Trustpilot4.72,432
    Google4.710,111
    Yelp1.556

    Editor’s Note: The ratings provided were accurate at the time of writing.

    *Note (as of 3/8/24): The Better Business Bureau recently shifted LHG’s A+ rating to “NR.” We reached out to a representative from the Better Business Bureau, and they told us, “This business is not currently rated. BBB has recently received numerous complaints against this business and will issue a rating after it has fully evaluated them.” When asked about whether they revoke ratings after an increase in complaints, the rep said, “Yes, if they feel they need to review the complaints first before issuing an accurate rating.” This scenario has happened to LHG twice in the last two years, but each time the BBB has restored its A+ rating after a thorough review.

    I give Liberty Home Guard a perfect 10/10 rating for its best-in-class claims handling. With a 12-hour average response time plus emergency repair options that most other providers lack, Liberty shines when disaster strikes. During North Dakota’s cold and long winters, having urgent support available for catastrophic failures like frozen pipe bursts, furnace breakdowns, and appliance leaks can prevent small issues from ballooning into expensive nightmares.

    Homeowners consistently praise the smooth claims process and quick payouts after approval. After the standard 30–60-day waiting period before coverage kicks in, LHG green lights most claims within 48 hours. Between the lightning-fast response times, emergency services, and streamlined approvals, Liberty Home Guard exceeds my expectations. 

    Liberty’s plans are available in all 50 U.S. states, earning it a perfect 10/10 score. As a nationwide provider, LHG has contractors that can get your appliances and home systems back up and running in no time. 

    Best Coverage Limits

    American Home Shield

    4.3

    Our Rating

    Limited Time:
    40% Off Our Most Popular Plan

    I particularly like that AHS provides above-average coverage caps — up to $5,000 for home systems and $4,000 for appliances. This extensive protection brings peace of mind for higher-priced home items.

    AHS also covers rust, corrosion, and preexisting conditions, unlike most other providers. Adjustable service fees allow you to reduce your monthly out-of-pocket costs, too. For North Dakota’s extreme weather risks, AHS has add-ons that prove useful — like roof leak protection bundled with premium plans by default or available as a separate add-on for the two lower-tier plans. 

    American Home Shield’s decades-long history led me to expect sterling reviews, so its overwhelmingly negative feedback on BBB and ratings below 2.5 stars with Trustpilot and Yelp give me pause. With 50 years to perfect its service, these marks surprised me.

    Most online complaints note transparency gaps, rate hikes without notice, and delays from immense volume, straining contractors. That said, it’s true most people share bad rather than good experiences online. And as the longest-running home warranty provider, AHS has gained more reviews over time — both positive and negative. 

    Still, I can’t ignore the volume of one-star reviews, especially with such an established history. It seems AHS has room for improvement when it comes to earning consumers’ trust through responsive care.

    As a 50+ year industry pioneer, American Home Shield leads competitors with generous coverage caps of up to $5,000 for systems and $4,000 for appliances — dwarfing other providers like Liberty Home Guard’s $2,000 limits. This extensive protection should put North Dakotans investing in high-end appliances and systems at ease. AHS also covers preexisting defects and rust/corrosion, unlike other providers, further increasing value.

    However, despite touting contractor partnerships, some reviewers faced extended repair delays. At 30 days, AHS’s workmanship guarantee trails rivals like Liberty Home Guard at 60 days and Elite Home Warranty at 90 days. So, I give AHS fair marks of 8.6/10 overall for strong coverage maximums and preexisting defect inclusion that outshine competitors. Still, homeowners should weigh the occasional service delays reported. In my opinion, AHS’s ShieldPlatinum plan is the best as it covers practically everything at moderately higher pricing that still beats competitors’ comparable plans. 

    American Home Shield equips North Dakota homeowners with protection through three tiered plans: ShieldSilver covering major systems, ShieldGold adding some appliances, and the comprehensive ShieldPlatinum. I give AHS strong marks of 9/10 for its plan options.

    The ShieldPlatinum uniquely bundles roof leak coverage — a rarity in the home warranty industry. This top plan also includes free HVAC tune-ups, allowances for code violations, permits, and equipment modifications that other warranties exclude. With maintenance visits and wide coverage, AHS provides beyond the basic protection, which is useful in preparing your furnace for North Dakota’s intense winters.

    All AHS plans cover old, improperly installed items and preexisting conditions that many rival plans don’t. While the $100-$125 service fees exceed the $75 industry average, the lower monthly premiums offset costs. For North Dakotans wanting air-tight coverage on critical home systems, I recommend comparing AHS’s ShieldPlatinum plan against competitors’ top offerings. The included HVAC tune-ups and broad inclusions like roof leaks, old equipment, and preexisting defects make sure you get the most bang for your buck.

    PlanMonthly CostService Fee*Available Discounts
    ShieldSilver$29.99 $39.99$100 $125Same-day discount
    ShieldGold$49.99 $59.99$100 $125Same-day discount
    ShieldPlatinum$79.99 $89.99$100 $125Same-day discount

    *If you choose the lower service fee of $100, you pay the higher monthly premium. For example, the $79.99 rate for the ShieldPlatinum plan pairs with the $125 service fee.

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Fargo, ND. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    AHS offers the following optional add-ons to North Dakota homeowners: 

    • Electronics protection plan: $14/month
    • Guest unit: $15.99/month
    • Pool & built-in-spa equipment: $18/month
    • Roof leak repair: $10/month
    • Septic pump: $5/month
    • Well pump: $8/month
    Exclusions

    Like all home warranty providers, American Home Shield has these typical exclusions: 

    • Damage due to pets or pests
    • Failure to properly clean or maintain home systems or appliances
    • Foundation or structural damage
    • Improper installation, improper wiring, or damage caused by construction activity
    • Manufacturer’s defect
    • Misuse or human error
    • Natural disasters
    • Neglect, rust, corrosion, or sediment
    • Removal of hazardous material

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    I give American Home Shield strong marks of 8.7/10 for affordability because you get robust coverage for slightly higher fees. Yes, its $100-$125 service charges and monthly premiums exceed some budget providers like Select Home Warranty. However, cheaper plans often cap system coverage at around $2,000 while AHS extends that to $5,000 — over two times the protection.

    For North Dakotans, the $5,000 cap for HVAC systems beats the $2,000-$3,000 maximums from many competitors. Costs for replacement furnaces here can easily eclipse those lower limits. 

    With the state’s seven long months with average temperatures of 45ºF or below, furnaces and other critical systems and appliances see more wear and tear. This long cold season can lead to more frequent issues. AHS’s strong caps can save thousands over time by lowering expensive HVAC or refrigerator repair/replacement costs. So, for homeowners with high-end systems, the higher limits make slightly pricier rates worthwhile in the long run.

    I award American Home Shield decent marks of 8.4/10 for customer experience. As an established leader, I expected responsive communication. However, many reviews spotlight frustrating unreturned calls and messages — worrying for a prominent provider. While concerning, AHS mitigates this by assigning account managers plus multiple contact channels. So if one agent lags, backup options bring reassurance and faster responses if and when you need answers quickly.

    Still, some homeowners faced call/message miscommunications without replies — understandably annoying. On the upside, AHS’s 30-day waiting period preceding coverage beats the 60+ day industry norm. During my secret shopping, I found it effortless to get quotes and compare plans on its website.

    I award American Home Shield a fair 7.7/10 rating for its mixed reputation. Concerningly, it holds low BBB, Trustpilot, Google, and Yelp scores with complaints about late contractors, claim denials with no explanations, and unresponsiveness. However, a lot of the negative feedback is from misunderstandings over hard-to-understand policy details per online reviews. So, it’s vital that homeowners examine contract terms closely before signing.

    Positively, even critical reviewers highlight that AHS provides strong coverage when things operate smoothly. And with it replying to nearly all of the Trustpilot complaints, I applaud the corporate diligence to make things right.

    What matters most for North Dakotans is timely assistance when facing winter furnace failures or summer AC losses. When these essential systems break down, additional damage can happen to your home. While many grievances trace back to complex contract terms, consistent issues with delays and poor communication still disappoint me. For the urgent support homeowners need, AHS must streamline help and simplify policies.

    Rating SiteRatingNumber of Reviews
    BBBBCustomer Reviews are not used in the calculation of BBB Rating
    Trustpilot2.15,178
    Google2.82,379
    Yelp1.0826

    Editor’s Note: The ratings provided were accurate at the time of writing.

    American Home Shield earns decent marks of 8/10 for its around-the-clock claims accessibility — crucial for North Dakotans facing urgent failures needing swift action. Its 24/7 customer service and online submission capabilities ease worries, especially when broken appliances or frozen pipes demand an immediate response. With aid available around the clock, you can feel confident that help will be there if an issue arises unexpectedly.

    Once you file a claim, checking its status through your AHS account proves straightforward. While such convenient tracking matches industry norms, I appreciate the transparency preventing added stress during delays. However, AHS’s slower 48-hour average response time versus 24-hour leaders could compound pressing issues. Still, constant access and easy tracking offer reassurance that American Home Shield has North Dakotans covered, even for middle-of-the-night breakdowns requiring after-hours or weekend repairs.

    AHS offers its plans in all U.S. states except Alaska. With near nationwide coverage and a vast network of contractors, AHS gets a tremendous 10/10 rating. 

    Best Value

    Select Home Warranty

    4.2

    Our Rating

    Limited Time:
    $150 Off (Code HOUSE25)

    I commend Select Home Warranty (SHW) for covering roofs in all plan tiers — a remarkably rare inclusion in the home warranty industry. Most competitors, including Liberty Home Guard, completely exclude roofs, even as cost add-ons. But SHW bundles this vital protection affordably by default.

    For North Dakotans facing extreme winter snowstorms and heavy spring rainfalls, having comprehensive roof coverage brings immense peace of mind. Sealing up roof leaks before the rainy season with SHW’s limited roof leak coverage can prevent expensive water damage in your home. So SHW’s inclusive plans provide key financial security.

    Beyond bundled roof protection, SHW’s monthly premiums are cheaper than those of its competitors. So, North Dakota homeowners can gain valuable safeguards without paying excessive charges. SHW also simplifies packages and provides a 90-day repair guarantee, 30–60 days longer than many competitors.

    ​​While Select Home Warranty shines, including roof coverage at affordable rates, some downsides disappoint me. For example, Select offers just nine plan add-ons compared to over 20–40 from leading rivals like Elite Home Warranty and Liberty Home Guard. North Dakota homeowners with unique appliances and systems may feel insufficiently covered. With Select’s lower $3,000 coverage caps, you may not be able to fully cover the replacement costs of expensive items, either.

    Additionally, Select won’t let you pick preferred repair technicians‌ — ‌you get whoever Select dispatches. Moreover, strict $75 policy cancellation fees strike me as more of a benefit to the business than providing flexibility to North Dakota homeowners. Another catch comes from Select excluding preexisting defects, introducing claim denial risks later for unnoticed existing problems. So, I advise you to thoroughly document proper appliance/system operation before enrolling to avoid issues down the road.

    I give Select Home Warranty a strong overall rating of 8.4/10 due to its simplified Gold, Silver, and Platinum tiered plans plainly covering either appliances, systems, or both. Unlike other providers pushing confusing plan offerings, SHW brings coverage clarity for North Dakota homeowners. Budget-focused families also benefit from SHW’s low rates, with monthly premiums beating competitors like American Home Shield.

    However, SHW’s $3,000 coverage cap may fall short of replacing costly furnaces or AC units, which both see heavy use in a typical year in North Dakota. Some providers (American Home Shield and Elite Home Warranty) provide double or triple that protection, so weigh your unique system expenses before enrollment. But for standard, lower-cost appliances and home systems, SHW’s value focus brings reassurance without overspending.

    I appreciate how SHW exceeds the industry norm with a 90-day workmanship guarantee on repairs. This showcases strong contractor partnerships — Select guarantees the contractor’s repair for 90 days. If your item fails again for the same reason, you will have to pay extra service call fees for the next visit. For typical North Dakota homes wanting straightforward coverage, reduced pricing, and enhanced coverage terms, Select Home Warranty hits the mark.

    I award Select Home Warranty’s coverage options a fair 8/10 rating. It simplifies choices with distinct plans for appliances, systems, and combinations — letting North Dakotans easily compare and select what they need. However, Select’s single-focus Gold and Bronze bundles have concerning gaps that the broader Platinum plan fills for just $4 more monthly. At that minor upcharge for expanded protection, I recommend choosing the Platinum plan for almost all homeowners.

    Rather than complex packages with opaque jargon that some providers push, Select spotlights core coverage. Nevertheless, its lower $3,000 limits may dissatisfy those with luxury appliances or large homes. While light on optional add-ons that some homeowners require, Select provides simplified, budget-friendly protection to meet everyday North Dakota needs. During my secret shopping, I received discounts like two free months and $150 off yearly rates as well.

    For North Dakotans seeking straightforward coverage against breakdowns of just the core systems and appliances, Select Home Warranty delivers. Keep in mind that its narrower protections only cover the basics before enrollment.

    PlanMonthly CostService FeeAvailable Discounts
    Bronze Care$44.42$75$150 off (website), two extra months free
    Gold Care$44.42$75$150 off (website), two extra months free
    Platinum Care$47.75$75$150 off (website), two extra months free

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Fargo, ND. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    Select Home Warranty offers the below optional add-ons to North Dakota homeowners. As someone who owns a stand-alone freezer, I appreciate the optional coverage to protect it. 

    • Central vacuum: $3.33/month
    • Lawn sprinkler system: $5.83/month
    • Pool: $8.33/month
    • Roof leak: free
    • Septic system: $5.83/month
    • Spa: $5.83/month
    • Stand-alone freezer: $3.33/month
    • Sump pump: $3.33/month
    • Well pump: $3.33/month
    Exclusions

    Select Home Warranty has the following exclusions to its plans, none of which are out of the ordinary. 

    • Common areas in condominiums or multifamily homes
    • Damage from natural disasters and rust
    • Defects or damages caused by the foundation and structure of the home
    • Incorrect installation or malfunctions due to construction damage or improper wiring
    • Issues with systems or appliances related to hazardous or toxic materials (for example mold, asbestos, and gas leaks)
    • Secondary damage (i.e., your home warranty may cover roof damage but won’t cover water damage caused by a roof leak)
    • Solar heating systems

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    I give Select Home Warranty a strong 9.1/10 rating for affordability. Its premiums beat the $50 industry average, costing around $40 monthly (including discounts) across all Bronze, Gold, and Platinum plan options. Unlike other providers, which charge major increases between tiers, Select’s competitive pricing stays consistent. This saves North Dakotans money up-front when securing coverage.

    Select also provides flexible $65-$75 service fees — over $20 below the $100-plus many competitors levy. So not only are Select’s plans ‌less expensive, but you avoid steep repair bills later, too. Between discounted premiums and lower service charges, Select Home Warranty delivers budget-friendly protection that meets North Dakota homeowners’ key coverage needs without overspending. For those wanting essential coverage on a budget, I recommend Select as a top choice.

    I give Select Home Warranty a decent 8.1/10 rating thanks to its refreshingly transparent, quick online quoting, and pressure-free tactics. Rather than relying on pushy calls and emails as some competitors do, Select conveniently outlines plans, pricing, coverage details, and add-ons in plain language on their website.

    This simplicity helps North Dakota homeowners educate themselves properly at their own pace regarding which protections suit their repair risks and budgets best. Select’s website convenience contrasts with competitors, whose sites are overwhelming and confusing. Its intuitive webpage lets North Dakotans carefully weigh coverage needs minus sales nuisances.

    I award Select Home Warranty a fair 8/10 rating for its mixed reputation. Its average B score on Better Business Bureau underwhelms me. Customer feedback on Trustpilot and Google fluctuates between applause for good service and speedy repairs to complaints about insufficient payouts or claim denials.

    Positively, Select doesn’t face the overwhelming criticism plaguing some major providers. And lower review volume suggests fewer dissatisfied customers than large rivals like American Home Shield. Still, consistent negativity shows there are clear issues needing attention — especially those involving reimbursement amounts.

    For ​​North Dakotan weighing coverage, I’d carefully consider Select’s affordability and core plan strengths first. Its budget-friendly premiums and smooth enrollment get my praise. But factor in criticism as well, noting even quality companies disappoint some buyers. While isolated complaints differ from widespread dissatisfaction, persistent themes like low claims reimbursements warrant caution before enrollment.

    Rating SiteRatingNumber of Reviews
    BBBBCustomer Reviews are not used in the calculation of BBB Rating
    Trustpilot3.74,590
    Google3.819,739

    Editor’s Note: The ratings provided were accurate at the time of writing.

    I give Select Home Warranty’s claims process a fair 7.6/10 rating. Filing a claim works relatively smoothly, either online or via phone call. However, Select takes about 48 hours to dispatch technicians for non-emergencies — slower than top providers aiming for 12 hours or less.

    Thankfully, Select does prioritize 24/7 emergency assistance within 12 hours for catastrophic failures like busted pipes and broken down furnaces amid winter freezes. So, it’s nice that weather-calamity risks get urgent aid around the clock, preventing health/safety threats. Still, most standard claims face a 48-hour delayed response, which could lead to spoiled food or uncomfortable nights without AC.

    While Select Home Warranty offers a straightforward claims process matching industry norms, its lagging repair scheduler drags the experience score down for me. When critical appliances fail, two days is two days too long during North Dakota’s freezing winters. More urgent assistance would better serve customers needing essential home systems restored ASAP.

    Select Home Warranty offers its plans in all 50 U.S. states and Washington, D.C. With coverage nationwide, Select can lean on its large network of contractors to fix issues in your home. 

    Best Customer Ratings

    Elite Home Warranty

    4.3

    Our Rating

    Limited Time:
    $150 Off + 1 Month Free

    I love that ​​Elite Home Warranty earns remarkable 4.5- to 5-star appraisals across top sites like Google and Yelp – easily exceeding the home warranty industry’s typical 2–3-star reputation. This consistent customer praise showcases Elite’s stellar service track record of satisfying users.

    I’m also impressed by Elite’s affordable pricing coupled with 26 add-ons to customize plans — doubling the 6–12 options most competitors have. For North Dakotans wanting to tailor coverage, this adjustability helps balance financial security with monthly costs. Elite’s soaring $10,000 per system and $6,000 per appliance coverage maximums also enable robust protection – two to three times higher than many providers.

    A major gap with Elite Home Warranty is the lack of emergency repair coverage without extra fees, which is concerning since critical systems often fail overnight or on weekends. Elite’s $150 surcharge for true after-hours access seems unacceptable. Most competitors offer emergency response as a standard inclusion.

    Occurrences like frozen pipe leaks and no heat amid North Dakota winters require prompt attention. Needing to pay nearly $200 for emergency winter furnace repairs would be an unwelcome surprise. Elite also excludes commercial-grade equipment entirely — problematic for households that have invested in these amenities.

    I also don’t like that Elite voids workmanship guarantees if you use your own technician rather than its contractor network. So, quality oversight will lessen if you prefer your local repair company to handle issues. 

    I award Elite Home Warranty strong overall marks of 8.6/10 for leading the industry with $10,000 systems coverage and $6,000 appliance coverage maximums. These limits drastically exceed the typical $2,000-$3,000 from competitors, including Liberty Home Guard and American Home Shield, bringing North Dakotans with costly equipment immense peace of mind.

    Of Elite’s plans, I recommend its Complete tier, bundling both appliances and systems to maximize value for most North Dakota households. However, a drawback is that emergency repairs are only available during weekday business hours unless you pay steep surcharges.

    Positively, Elite provides 26 add-ons to customize protection further — more than most rivals offer. However, certain luxury brands do trigger extra fees. Before enrolling, weigh Elite’s emergency repair limitations against its higher coverage caps. For North Dakotans wanting to safeguard expensive household systems/appliances, I believe Elite Complete should be your top consideration.

    Like other home warranty providers, Elite Home Warranty offers appliance-only, system-only, or combined coverage. But where Elite truly excels is providing best-in-class coverage caps, smashing industry norms — earning my perfect 10/10 score.

    For appliances, Elite pays up to $6,000 per claim, doubling the standard $3,000 limits from major rivals. Even more impressive, Elite’s $10,000 systems coverage maximum is 2–3 times what most competitors offer — providing North Dakotans immense peace of mind shielding expensive equipment.

    I recommend Elite’s Complete plan bundling appliance and system coverage for fully comprehensive protection at only a slight price increase. With North Dakota’s extreme weather constantly putting more wear and tear on appliances and home systems, these higher coverage caps make me confident that I’ll be fully reimbursed for repairs and replacements.

    During my research, Elite offered a 30-day free trial and $150 off for enrolling by phone as well — increasing appeal. For North Dakotans wanting a home warranty tailored to safeguard high-end systems and appliances vulnerable to steep repair bills, Elite is a superb option worth your consideration.

    PlanMonthly CostService FeeAvailable Discounts
    Elite Appliance$48.99$100$150 sign-up, 30-day trial
    Elite Systems$52.99$100$150 sign-up, 30-day trial
    Elite Complete$59.99$100$150 sign-up, 30-day trial

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Fargo, ND. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    EHW offers the following optional add-ons to its home warranty plans, a total of 26 — far more than most providers. Given North Dakota’s dry climate, I appreciate the option to cover your lawn sprinkler system. I know these systems are pricey and difficult to repair. 

    • Attic exhaust fan: $69.99/year
    • Central vacuum: $49.00/year
    • Effluent pump: $99.99/year
    • Ejector pump: $99.99/year
    • Freestanding freezer: $59.99/year
    • Freestanding ice maker: $59.99/year
    • Freestanding spa equipment: $119.99/year
    • Generator: $99.99/year
    • Geothermal heating and cooling system: $299.99/year
    • Grinder pump: $99.99/year
    • Guest house: $299.99/year
    • HVAC annual maintenance: $299.99/year
    • Jetted/hot tub: $99.99/year
    • Lawn sprinkler system: $99.99/year
    • Lift pump: $99.99/year
    • Limited roof leak repair: $99.99/year
    • Pool & spa equipment: $199.99/year
    • Pool equipment: $149.99/year
    • Premium appliances: $249.99/year
    • Premium benefits: $199.99/year
    • Premium systems: $299.99/year
    • Premium systems plus: $499.99/year
    • Septic system: $129.99/year
    • Service lines: $349.99/year
    • Sump pump: $99.99/year
    • Swamp cooler: $149.99/year
    • Water filtration system: $99.99/year
    • Water softener: $99.99/year
    • Well pump: $99.99/year
    • Wine cooler: $69.99/year
    Exclusions

    EHW has the following plan exclusions, none of which are out of the ordinary. 

    • A lack of maintenance
    • Acts of God
    • Commercial-grade appliances
    • Cosmetic damage
    • Natural disaster-related damages
    • Units in a rental property

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    I award Elite Home Warranty’s affordability a decent rating of 8.7/10. Its $45-$60 monthly premiums generally match industry pricing across plans. However, during my experience speaking with phone reps, I found them vague on detailing add-on fees, which can rapidly increase costs over time. Without full transparency up-front, it’s hard for North Dakotans to compare and budget accurately.

    Like other providers, Elite’s $100 basic service call fee seems reasonable. However, notable fine-print charges emerge after digging — $150 weekend/emergency surcharges and $150 per visit for premium brand technician charges. These extras add up quickly. Positively, Elite does offer a free monthly trial and cancellation periods to vet plans risk-free firsthand. Still, the opaque add-on fees and premium technician charges make total budgeting a challenge.

    I give Elite Home Warranty’s customer experience a fair 7.6/10 score due to struggles I had with its website, which starkly contrasted all other providers. Getting pricing or quotes online is impossible — you must call in for ballpark premium estimates. Unlike transparent competitor sites, obscured add-on fees also complicate budgeting accurately.

    ​​This unnecessary friction to get quotes risks turning some North Dakota comparison shoppers away initially. However, many positive reviews praise Elite’s service once enrolled — spotlighting claims assistance and coverage responsiveness. While poor digital impressions disappointed me, Elite ultimately satisfies most members with helpful protection, according to widespread positive reviews.

    As an emerging industry player, Elite Home Warranty lacks extensive online feedback, having under 200 reviews on Yelp and Trustpilot. However, a strong A+ Better Business Bureau rating offsets any concerns I had over its small review pool. Plus, the available reviews shine positively on claims handling, budget prices, and outstanding service.

    Considering North Dakota’s extra long and cold winters place excess wear and tear on household systems, such attentive support brings peace of mind. Most negative reviews focused on organizational hiccups tied to early growing pains rather than negligence.

    As more customers share Elite experiences publicly over time, I’ll be checking review trends closely. For now, Elite earns my 8.3/10 rating and is a great choice for homeowners wanting coverage that balances reputable service with reasonable costs.

    Rating SiteRatingNumber of Reviews
    BBBA+Customer Reviews are not used in the calculation of BBB Rating
    Trustpilot4.744
    Google4.7111
    Yelp5.04

    Editor’s Note: The ratings provided were accurate at the time of writing.

    I give Elite Home Warranty’s claims process a fair 6.8/10 rating. Positively, it allows 24/7 filing online/by phone to file claims any hour — now standard practice in the industry. However, Elite uniquely excludes crucial after-hours emergency coverage without extra fees. This omission leaves North Dakotans vulnerable to urgent breakdowns on the weekends or overnight.

    I expect true round-the-clock assistance from industry leaders without such exceptions or charges. While acceptable for normal breakdowns, delays addressing emergencies during extreme weather worry me. For non-emergency claims, Elite falls back in line with competitors regarding 24–48-hour response times — decent but not exemplary.

    Elite Home Warranty offers its plans to 46 U.S. states, including North Dakota. As such, you can expect a strong network of experienced contractors ready to quickly fix breakdowns in your home. 

    Best for Preventative Maintenance

    Cinch Home Services

    4.1

    Our Rating

    Limited Time:
    2 Months Free On All Plans

    What makes Cinch Home Services stand out to me is its phenomenal 180-day workmanship guarantee, dwarfing the industry’s standard 30- day coverage. This exceptional 6-month protection window demonstrates Cinch’s unmatched commitment to quality repairs. 

    Today’s Homeowner Tips
    To make use of most home warranty providers’ workmanship guarantees, you must maintain an active plan. For example, let’s say you have an appliance repaired in June with a 180-day workmanship guarantee, and your plan expires in July. If you don’t renew your plan, then your repair loses its guarantee and doesn’t last for the full 180 days. 

    Another benefit is Cinch’s 24/7 customer support availability — North Dakotans can access assistance anytime, day or night. I also like Cinch’s highly affordable pricing, with monthly premiums starting at just $30. This reasonable cost makes Cinch an excellent option for North Dakota residents seeking robust coverage coupled with budget-friendly rates in one impressive package.

    I don’t like that Cinch Home Services only offers five optional add-ons, far below the 10–15 industry average and nowhere near the 40+ from leading rivals like Liberty Home Guard. For North Dakotans wanting extensive coverage customization to match their unique systems and appliances, Cinch’s sparse options may disappoint.

    Cinch also charges steep $100-$150 service fees and imposes a $25 contract cancellation penalty just 30 days after signup. Compared to more customer-friendly providers, these company-biased terms seem to overshadow positives like Cinch’s 180-day workmanship guarantee.

    Numerous customers also cited denied claims (which they thought should’ve been covered) and technicians leaving before fully addressing problems. Between the limited add-on catalog and complaints about opaque denials, North Dakotans who want flexible, customized protection may find Cinch lacking.

    I award Cinch Home Services a decent 8/10 overall for its positive reputation despite merely average protection plans. Operating since the 1980s builds some trust in me for quality service paired with transparency and affordability. Its winning aspect comes via an unmatched 180-day workmanship guarantee, showing a robust commitment to proper repairs.

    Like most providers, Cinch provides appliance, system, and combined home plans from $35-$50 monthly. However, I found only six optional add-ons available — far below the 10–15 average and nowhere near other companies like Liberty Home Guard offering over 40. Moreover, available additions run steep at $13-$22 monthly. So, customization isn’t a strength for Cinch.

    On the other hand, Cinch holds an impressive B+ Better Business Bureau rating for its continued efforts to satisfy clients over 40+ years in business. While not the most affordable or customizable option, Cinch brings premium service and easy claims along with an exceptional half-year workmanship guarantee. For North Dakotans wanting protection from an established name they can count on, Cinch is a solid choice.

    Cinch Home Services has three simple home warranty plans: Complete Home, Built-In Systems, and Appliances. Monthly premiums range from $30-$57 plus your choice of a $100, $125 or $150 service fee. For most homeowners, I recommend the Complete Home plan for its broad coverage of nearly all major systems and appliances for only a small price hike.

    However, with only three main plans and five add-ons, Cinch trails other providers in customization — earning a lower 6.7/10 score from me. That said, I appreciate Cinch’s Complete Home plan bundling solid coverage of 12 essentials like refrigerators and ACs at reasonable pricing. For homeowners wanting expansive, personalized options, competitors like Liberty Home Guard are a better fit. Still, if you only need the basics covered, Cinch is the home warranty provider for you.  

    PlanMonthly CostService Fee*Available Discounts
    Complete Home Plan$44.99 $56.99$100, $125, or $150First month free
    Built-in Systems Plan$35.99 $47.99$100, $125, or $150First month free
    Appliances Plan$30.99 $40.99$100, $125, or $150First month free

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Fargo, ND. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    Cinch offers the following five optional add-ons to North Dakota homeowners: 

    • Pool (heater included): $22
    • Spa (heater included): $22
    • Pool with built-in spa (heater included): $22
    • Septic tank/pumping: $4.58
    • Well pump: $12.50
    • Premier upgrade package (includes permits, code upgrades, removal and disposal costs, and more): $12.50
    Exclusions

    Like all home warranty providers, Cinch Home Services has the following industry-standard exclusions: 

    • Accidents
    • Commercial-grade appliances or systems
    • Coverage below the slab or basement floor of your home
    • Damage caused by abuse, misuse, or neglect
    • Damage caused by lightning strikes, power failure, or power surges
    • Damage caused by remodeling or unauthorized repair
    • Electric devices
    • Failures due to acts of God
    • Flues, venting, chimneys, and exhaust lines
    • Items covered under other insurances, warranties, or guarantees
    • Problems caused by mold or mildew
    • Removal of hazardous materials
    • Routine maintenance
    • Structural or property damage

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    Cinch Home Services offers excellent budget pricing for home warranty coverage, with plans starting at a low $30.99 monthly — much lower than competitors typically charging $50-$60. This allows for affordable access to protection that financially matches many North Dakotans’ situations.

    However, Cinch’s $100-$150 service fees when sending technicians run steep compared to the $75 industry average. A $25 cancellation penalty after only 30 days of signing a contract seems to serve the business over customer flexibility.

    While Cinch shines at securing initial budget-friendly coverage, its total costs may exceed some rivals, considering service calls and early cancellations. Still, making protection affordable up-front is invaluable for cash-strapped buyers. Weighing the pros and cons, I award Cinch decent marks of 8.7/10 for affordability — leading in entry pricing but light in long-term perks.  

    I give Cinch Home Services a fair 7.8/10 rating for customer experience. Positively, its website gives transparent pricing estimates by ZIP code for convenient self-service quoting. Cinch also provides an exceptional 180-day workmanship guarantee on repairs, three times longer than the typical 60 days. These perks showcase customer focus.

    ​​However, after submitting a quote request, I received nearly six calls and emails in just a couple of days — aggressive compared to more respectful competitors. New policyholders also must wait 30 days before filing their first claim, limiting initial protections.

    With 45 years of industry expertise, Cinch Home Services stands as one of the most tenured home warranty providers, only behind American Home Shield. This extensive history signals credibility bolstered by the lack of lawsuits/violations on record — a rarity in this sector.

    However, Cinch’s positives don’t fully translate to glowing customer sentiment. I expected sterling feedback given its longevity, but found a mediocre 2.5-star Google rating and a 3.7 Trustpilot score instead. Its 3.4 Glassdoor appraisal also underwhelmed me.

    Ultimately, Cinch delivers on business longevity and legal/ethical compliance but underwhelms at satisfying homeowners. You’d expect rave reviews from a 45-year-old household name, but something seems amiss between corporate principles and actual user experiences. So,  I award Cinch a decent 8/10 reputation score. 

    Rating SiteRatingNumber of Reviews
    BBBB+Customer Reviews are not used in the calculation of BBB Rating
    Trustpilot3.73,038
    Google2.54,012

    Editor’s Note: The ratings provided were accurate at the time of writing.

    I award Cinch Home Services’ claims process high marks of 9.2/10 thanks to 24/7/365 emergency assistance via phone/online. Even outside business hours, Cinch connects within just 24 hours on average when issues arise at the least convenient times. This round-the-clock aid ensures a prompt response when the unexpected strikes.

    During normal hours, Cinch typically responds within two hours of claim submission — well below the industry norm. So response times shine for restoring essential home needs rapidly.

    However, Cinch does have concerning negative reviews from homeowners reporting denied claims for repairs seemingly covered by policies. While many grievances likely stem from not reading the fine print, recurring complaints signal room for improvement, such as clarifying terms during enrollment to set proper expectations.

    Cinch Home Services offers its plans to homeowners in 47 U.S. states, including North Dakota. With nearly nationwide coverage, Cinch earns a perfect 10/10 availability score. 


    Calculate the Cost of North Dakota Home Warranty

    Use the calculator below to estimate the yearly cost of a new home warranty plan. All you have to do is type in the monthly premium, service call fee, and the number of service calls you expect per year. The tool will output the full annual cost of a new plan. 

    Appliance Average Repair Cost Average Replacement Cost
    Dehumidifier $50–$200 $1,300–$2,800
    Microwave $50–$400 $60–$2,000
    Dishwasher $50–$500 $400–$3,000
    Exhaust Fans $16–$300 $250–$950
    Electric Range $100–$500 $230–$3,000
    Gas Range $100–$500 $230–$3,000
    Dryer $100–$400 $450–$2,300
    Oven $100–$430 $400–$3,000
    Washer $50–$450 $400–$2,300
    Freezer $90–$500 $160–$2,900
    Refrigerator $40–$350 $200–$5,000

    North Dakota Home Warranty Regulations

    Based on my research, there’s no single agency that regulates home warranties in North Dakota. But that doesn’t mean homeowners are totally on their own if issues come up. You can file a complaint with the state’s Department of Insurance if you have problems with your home warranty company.

    There are also a couple of big industry groups that help oversee home warranty providers in the state, even if they don’t have direct oversight powers. One group is the Service Contract Industry Council, which works on the rules and best practices companies should follow. Another is the National Home Service Contract Association. Its job is to make sure home warranty companies deal with customers fairly. Between the state department and these groups, there is some oversight for North Dakota homeowners regarding home warranties.

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    Frequently Asked Questions

    Do You Need a Home Warranty in North Dakota?

    A home warranty can provide useful financial protection against unexpected system and appliance breakdowns in North Dakota’s extremely cold climate. The harsh winters mean critical items like furnaces run more often, putting additional strain on them. 


    How Much Does a Home Warranty Cost in North Dakota?

    The average cost of a home warranty in North Dakota is between $300-$700 per year. Read more about this in our guide on average home warranty prices.


    How To Save Money When Shopping for Home Warranties In North Dakota?

    I compared rates from multiple highly-rated home warranty companies and looked for special offers and discounts to get the best rate on an annual policy. Bundling numerous appliance and system coverage lowered my per-item cost, too.


    Is a Home Warranty Worth It for North Dakota Homeowners?

    A home warranty is worth it for North Dakota homeowners because the long, harsh winters can lead to unexpected breakdowns when repairs on essential equipment are critical. Our guide on the benefits of home warranties covers why they’re worth it in more detail. 



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    Editorial Contributors
    avatar for Jonathon Jachura

    Jonathon Jachura

    Contributor

    Jonathon Jachura is a two-time homeowner with hands-on experience with HVAC, gutters, plumbing, lawn care, pest control, and other aspects of owning a home. He is passionate about home maintenance and finding the best services. His main goal is to educate others with crisp, concise descriptions that any homeowner can use. Jon uses his strong technical background to create engaging, easy-to-read, and informative guides. He does most of his home and lawn projects himself but hires professional companies for the “big things.” He knows what goes into finding the best service providers and contractors. Jon studied mechanical engineering at Purdue University in Indiana and worked in the HVAC industry for 12 years. Between his various home improvement projects, he enjoys the outdoors, a good cup of coffee, and spending time with his family.

    Learn More

    photo of Andrew Foligno

    Andrew Foligno

    Andrew Foligno is an editor for Today’s Homeowner, with over 6 years of experience working in digital marketing. He started his career as a content writer at an agency, covering industries such as HVAC, plumbing, painting, lawn care, and more. Soon, he was promoted to an editor position where he oversaw a team of writers before moving on to other facets of digital marketing. When he isn’t working, Andrew enjoys going to the gym to be active, as well as going to the movies to unwind.

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