Best Home Warranty Companies in North Dakota (2021)

By Julie Thompson

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.

In our guide featuring the best home warranty companies in North Dakota, we will give you information on:

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

A home warranty is a plan that protects against large repair and replacement-related expenses for appliances and systems. If your air conditioning breaks or your microwave decides it has heated its last dish, the home warranty plan steps into place to help reduce the costs. The hard part of this process is choosing the best home warranties in the industry. If you are frustrated or tired of trying to narrow these companies down, keep reading!

North Dakota Top 5 Home Warranty Companies

There are more than 50 home warranty companies in the state of North Dakota. When narrowing down this list to the top five, we looked at coverage caps, time in the industry, plan choices, customer service, reviews, service plan details, and more. Here is how the top five plans in North Dakota ranked. 

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

Total Plan: $53.33/month

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

ShieldGold: $44.99-$59.99/month

ShieldPlatinum: $59.99-$74.99/month

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

Gold Care Plan: $57/month

Platinum Care Plan: $63/month

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

Systems Guard: $69.99/month

Total Home Guard: $74.99/month

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

Platinum Plan: $60.33/month

$75 5 NR

1. Choice Home Warranty

Best Overall

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

Choice Home Warranty is the best overall home warranty in the state of 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 my 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 add ons to the Choice Home Warranty plan include: 

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

The service fee for the Choice Home Warranty plan is $85. The service fees across most of these plans will range between $60 and $150 per month. The $85 from Choice is rather reasonably priced. 

Home Warranty policies can be overwhelming. Luckily Choice makes things easier by keeping the plan simple and allowing homeowners to see what their coverages will handle clearly. Overall you will find that Choice is a great partner in keeping your ND home up and running.

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

For more information, read our Choice Home Warranty Review.

2. American Home Shield

Best Customizable Plans

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

American Home Shield is the most customizable plan in the 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 a very good pool and spa coverage for its customers.   

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

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

American Home Shield allows you to choose service fees between $75 and $125. The higher the service fee you choose, the lower the monthly payment will be. As a homeowner that won’t have much of a choice when a system or appliance breaks, it’s nice that AHS gives you some control over your policy. 

The American Home Shield brand has been trusted for more than 50 years. If you are nervous about the reputation of some of these home warranty companies, this is an option that is well worth considering.

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

To read more, visit our American Home Shield review.

3. Select Home Warranty

Most Cost-effective Plans

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

Select Home Warranty is the most cost-effective home warranty plan for 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 coverages 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 add ons or options coverages from Select Home Warranty are:

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

Select Home Warranty has a service fee of just $60. This is lower than most other companies on the market and only increases the affordability of this home warranty choice. 

If you are on a budget and particularly worried about what a high-cost home warranty plan will cost you long-term, the Select Home Warranty Platinum Care plan is the best overall choice on the market. This is a solid North Dakota home warranty plan with experience, workmanship, and overall value.

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

Read our Select Home Warranty review to learn more.

4. Liberty Home Guard

Most Trustworthy

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

Liberty Home Guard is the most trustworthy home warranty in the state of 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 to 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. 

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

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

Some of the Liberty Home Guard pricing is a little higher than other companies, simply because of the depth of the coverage and the advanced systems in place. Luckily the service fee is just $60, and that helps to keep the overall costs down. 

Liberty Home Guard is changing some homeowners’ minds about how trustworthy a home warranty company can be. Don’t assume that time in the industry is the only indication of whether you have a good plan in place.

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

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

5. ServicePlus Home Warranty

Best For Immediate Service

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

ServicePlus Home Warranty is the best North Dakota home warranty for immediate service. If your HVAC breaks down or your heating system needs to be repaired, chances are you aren’t going to want to wait around for the proper fix. Getting things taken care of immediately is the specialty of ServicePlus. ServicePlus has been on the North Dakota home warranty market for about five years. Similar to Select Home Warranty, they also offer free roof leak coverage with their policy. 

ServicePlus keeps things simple with just two home warranty plans to choose from. The good thing is that each of these plans is a combo plan with a good mix of coverage. In addition, there are quite a few add-on coverages that you can include with your North Dakota home warranty. 

The optional coverage choices from Service Plus Home Warranty include:

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

ServicePlus has a deductible of $75. This is about average, and overall,l you will find that the policy is very reasonably priced. 

The ServicePlus home warranty will be easy to get in touch with and will quickly respond to your needs as a homeowner. If you are interested in a solid policy with a good reputation and speedy service, this is the plan for your ND home.

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

North Dakota Home Warranty Buying Guide

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. 

  • Company History: Take a look at how long a home warranty company has been in the industry. Some companies like Liberty Home Guard are new, but they have lots of positive reviews to back up the time that they have spent in the industry. Others like American Home Shield have more than 50 years. 
  • Coverage Choices: The coverage choices will make or break a policy for you. Take a walk around your home and consider all of the things you would like to have coverage for. Find the policy that most closely matches this list. 
  • Overall Pricing:  When considering the overall pricing of your North Dakota home warranty policy, make sure to consider the monthly fees, service fees as well as cancellation fees. Have a good understanding of how much this plan is going to be able to save you. 

Top Home Maintenance Problems in North Dakota

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. Let’s take a look at how having a home warranty in place will help keep your North Dakota home in excellent condition all year long. 

  • Plumbing Systems: All homes have a plumbing system that will require periodic attention from a plumber. Plumbing system issues can create other problems in the house with sinks, faucets, water heaters, etc. Making sure that you can get this issue fixed quickly and affordability is an important reason to have a home warranty in place. 
  • Kitchen Appliances: Kitchen appliances are used day in and day out. The problem with many kitchen appliances is that they are not made as well as they once were. This means that through normal wear and tear, the appliances fall apart and need replacement parts. The home warranty will help to keep this affordable. 
  • Heating System: In the North Dakota winter, you will need a heating system that is effective and strong. IF your heating system has an issue, it can sometimes be thousands of dollars to fix it. The home warranty will get your house warmed up without dumping out your savings account. 

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Our Conclusion

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. 

House Method Home Warranty Ranking Methodology

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

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

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

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

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

How do we keep our data up to date?

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

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

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

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

See the best home warranty companies in your state

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Frequently Asked Questions About North Dakota Home Warranties

How Much Does A Home Warranty Cost In North Dakota?

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. 

Does a home warranty cover pre-existing conditions?

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.

  • Look for home warranty companies that require a home inspection to provide coverage. Most home warranties do not require one and can use this to deny claims on what they consider pre-existing conditions. Getting a home inspection and documenting it with the home warranty company can provide a written account of the condition of your home systems and appliances.
  • Find a home warranty company that excludes the pre-existing condition clause in their contracts. If this clause is missing in the terms and conditions, you’re entitled to repairs or replacements on home systems and appliances with pre-existing conditions.

What Is A Service Fee?

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. 

What Is The Best Home Warranty Company In North Dakota?

The best home warranty in North Dakota is the 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. 

Is A Home Warranty Worth It?

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. 

Still not sure which North Dakota home warranty is right for you?

Compare other top home warranty providers in the industry.

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