Best Home Warranty Companies in North Dakota

By Julie Thompson

In North Dakota, a home warranty can provide peace of mind by providing repair and replacement coverage for your home’s systems and appliances. By paying a low monthly fee, you can ensure that your home is maintained without the hassle of trying to find a quality contractor or spending the time trying to fix the issue yourself.

If you’re looking for the best home warranty companies in North Dakota, keep reading to learn about the top home warranty providers in the state, plan and pricing options, and important home warranty buying tips. 

North Dakota’s best home warranty companies

  • 4 plans + optional add-ons 
  • Option to build your plan
  • BBB accredited
  • Generous coverage caps
  • $20–$65 per month

  • 2 plans + optional add-ons 
  • 10-day waiting period
  • Quick turnaround on claims
  • Best customer reviews
  • $33+ per month

  • 3 plans + optional add-ons
  • Free roof leak coverage
  • Optional septic system coverage
  • Responsive customer service
  • $36–$42 per month

  • 2 plans available + optional add-ons
  • After-hours customer service
  • 90-day repair guarantee
  • $29–$42 per month

  • 2 plans + optional add-ons 
  • 90-day parts guarantee
  • After-hours service
  • $33+ per month

North Dakota sits between the midwestern and northwest regions of the United States. It lies in the center of the Northern Hemisphere, located an equal distance from the North Pole and the equator. This mid-point creates steamy summers that average in the mid-80s, with winters that can plunge below 0 degrees.

The state borders Canada (specifically Saskatchewan and Manitoba) to the north, Minnesota to the east, South Dakota to the south, and Montana to the west. The capital of North Dakota is Bismarck and Fargo is the most populated city. The state’s landscape is filled with ranches and farms, from the Red River Valley to the Badlands. 

North Dakota has the second lowest unemployment rate in the U.S. (Hawaii is the first). Its economy relies on farming and agriculture and a majority of North Dakota factories produce farm products and equipment.

Wheat is grown in every county of the state; in fact, North Dakota produces more than 90 percent of America’s flaxseed and canola. It also exports barley, sunflower seeds, beans, honey, lentils, oats, peas, and sugar beets.

See the best home warranty companies in your state

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Top home maintenance problems in North Dakota

Below are some of the top maintenance problems that North Dakota homeowners deal with.

Winter storm damage

The winters in North Dakota can be brutal. With lows dropping below 0 degrees Fahrenheit, you’ll want to make sure you have sufficient heat inside your home to keep warm and a winterized space to protect you from the cold. Without prepping properly, extremely cold temperatures can cause pipes to burst, causing damage to your home.

Excessive dust and debris

North Dakota is home to a variety of annual rodeos and the landscape is covered in farms and ranches. All the extra dust can seep into your home and wreak havoc on your washing machine and other appliances. Not to mention, it can affect the indoor air quality of your home and lead to breathing issues and allergies.

Effects of severe thunderstorms

Thunderstorms can put a lot of wear and tear on your home’s roof and exterior. When mixed with hail and severe winds, they can down tree limbs, fling debris at your home’s windows, and cause flooding around your foundation.

Septic system breakdown

Homes in rural areas of North Dakota often have to provide their own water and septic systems. When these go bad, it’s the homeowner’s responsibility to repair or replace them. Most home warranties in North Dakota offer coverage for sump pumps, well pumps, septic systems, extra freezers, and refrigerators.

Who is eligible for a home warranty in North Dakota?

There are specific home warranties that home builders can provide in North Dakota. For example, new construction homes can oftentimes come with a10-year warranty. This warranty covers major structural components of your home. The homeowner is also provided with two years of coverage of selected portions of mechanical systems and one year of coverage for workmanship and materials.

Note: This type of home warranty is included in the price of the home. The terms may vary depending on the builder you choose.

Home warranties are also available for current homeowners, home buyers, and home sellers. Realtors also receive discounts on home warranties and sometimes provides them as a gift when overseeing the purchase of a home.

What is covered under a North Dakota home warranty?

Our top five home warranty companies provide comprehensive plans that will cover your home systems and appliances. While they all have their unique features and benefits, any one of these will provide you with top-notch customer service and professional contractors.

American Home Shield (Combo Plan)

  • Refrigerator
  • Dishwasher
  • Clothes washer
  • Range/Oven/Cooktop
  • Clothes dryer
  • Built-in microwave
  • Free-standing ice maker
  • Garage door opener
  • Trash compactor
  • Heating with ductwork
  • Electrical system
  • Water heater
  • Garbage disposal
  • Air conditioning
  • Ceiling fans
  • Doorbell

American Home Shield allows for customizable home warranty plans, which is beneficial for those who want to cover only certain appliances.

MORE: Detailed AHS Review

The Home Service Club (Comprehensive Plan)

  • Refrigerator
  • Oven/Range/Cooktop
  • Dishwasher
  • Clothes washer
  • Clothes dryer
  • Free-standing ice makers
  • Built-in microwave oven
  • Trash compactor
  • Built-in food centers (built-in)
  • Air conditioner
  • Heating system
  • Electrical system
  • Water heater
  • Plumbing system
  • Garbage disposal
  • Garage door opener
  • Ceiling fans
  • Central vacuum
  • Plumbing stoppages
  • Ductwork
  • Gas leaks
  • Pest control
  • Whirlpool coverage
  • Telephone wiring
  • Smoke detectors
  • Exhaust/Attic fans
  • Sump pump
  • Doorbell
  • Hot water pump
  • Hot/Cold water dispenser

The Home Service Club is best suited for new home buyers who need fast coverage.

MORE: The Home Service Club Review

Select Home Warranty

  • AC and cooling
  • Heating system
  • Plumbing system
  • Electrical system
  • Water heater
  • Ductwork
  • Plumbing stoppages
  • Clothes washer
  • Garbage disposal
  • Refrigerator
  • Stove/Oven
  • Built-in microwave oven
  • Cooktop
  • Dishwasher
  • Clothes dryer
  • Garage door opener
  • Ceiling fans

Select Home Warranty provides a wide variety of plans, 24/7 service calls, professional contractors, and quick replacement payments. Check out their great selection of discounts for annual plans and free cancellation option within the first 30 days.

MORE: Review of Select Home Warranty

Choice Home Warranty (Total Plan)

  • Air conditioning system
  • Heating system
  • Electrical system
  • Plumbing system
  • Plumbing stoppage
  • Water heater
  • Whirlpool bathtub
  • Refrigerator
  • Oven / Range / Stove
  • Cooktop
  • Dishwasher
  • Built-in microwave
  • Garbage disposal
  • Clothes washer
  • Clothes dryer
  • Ductwork
  • Garage door opener
  • Ceiling and exhaust fans

Choice Home Warranty is a leader in the home warranty industry and is best for overall coverage. It features 24/7 service calls, emergency calls, and a generous warranty on failed repairs. The company also offers free cancellation within the first 30 days.

MORE: Comprehensive CHW Review

Total Home Protection (Platinum)

  • Air conditioning system (2 units)
  • Heating system (2 units)
  • Refrigerator
  • Clothes washer
  • Clothes dryer
  • Plumbing system
  • Plumbing stoppage
  • Water heater
  • Whirlpool bathtub
  • Electrical system
  • Oven / Range / Stove
  • Cooktop
  • Sump pump (permanently installed)
  • Built-in microwave
  • Dishwasher
  • Garbage disposal
  • Trash compactor
  • Ductwork
  • Garage door opener
  • Ceiling and exhaust Fans

Total Home Protection features transparent contract terms, 24/7 service calls, and a variety of plans that fit any lifestyle.

MORE: Total Home Protection Review

How much does a home warranty cost in North Dakota?

A basic home warranty on average will run you just over $300 in North Dakota. This cost covers a few main appliances. For an average cost of just over $700, you can purchase home warranty coverage for your HVAC system, water heater, range, refrigerator, dishwasher, washer/dryer, in-bound water pipes, and electrical wiring.

Additional add-ons, like a pool or wine cooler, may cost around $10 a month, while a pool heater or pool pump may cost roughly $20 a month.

How does a home warranty work?

If you notice an issue with a covered home system or appliance, such as a refrigerator that has stopped cooling or an HVAC system that stops running, give your home warranty’s customer service line a call. Once you provide them with the information they need, they can choose a highly vetted and licensed contractor from their network.

The contractor will then call you to set up an appointment to diagnose your issue. Upon appointment setup, you will be required to pay a trade service call fee (if applicable to your plan). Once the contractor has identified the issue with your system or appliance, they will verify that the appliance and needed part are covered under your home warranty.

Once confirmed, all work done regarding the covered items will be paid by your home warranty plan. If for some reason the item cannot be repaired, the home warranty will cover a replacement.

Depending on which home warranty company you choose, you may have a shorter or longer wait time than average to receive the repair (typically 24–48 hours). If you call after business hours, on the weekend, or on a holiday, your wait time may be longer.

Keep in mind that home warranty premiums must be paid on time to receive coverage for home system or appliance repairs and replacements.

Why is a home warranty necessary?

From humid summers and chilly winters to severe thunderstorms, North Dakota is prone to all types of inclement weather (and the damage that comes with it). Be prepared for weather changes by purchasing a home warranty that covers your HVAC system, roof, plumbing, electrical systems, and more.

Rural areas may need extra coverage to protect running water and sewage systems. Not having warranty coverage on your sump pump, well pump, or septic system can be devastating when one or all of them need to be repaired or replaced. Have peace of mind by purchasing a home warranty that will provide a quick repair so you don’t have to live without running water.

Additionally, if you own an older home, consider purchasing a home warranty that will cover your home’s aging systems and appliances.

Buying a home warranty in North Dakota

Before purchasing a home warranty, calculate your home maintenance costs, service fees, coverage options, and type of residence. Then, follow the steps below to secure the best home warranty for you and your home.

1. Choose a company you trust

There’s nothing worse than blindly choosing a company to cover one of your most important systems or appliances. Talk with neighbors, friends, and family who live in your area and see which home warranty companies they work with and prefer. You can also research companies online and pay close attention to customer reviews about customer service and how claims are handled.

2. Gather quotes

Once you’ve narrowed down your list of home warranty companies, give each of them a call. This will be the first test in confirming if their customer service is up to par with your standards. Ask the customer service representative to give you a quote on all of the home systems and appliances you want covered. Once a quote is given, ask if any promotions or discounts can be applied to make the plan better fit your budget.

If you’re currently buying or selling a home, talk with your realtor. They may be able to provide you with a considerable discount on a home warranty.

3. Look at coverage

Choose a policy that provides only the coverage you need. You shouldn’t have to pay for appliances or home systems you don’t need a warranty for. Most policies have a base plan (appliances), comprehensive coverage (appliances plus home systems), or a customized plan that includes additional add-ons.

Take into consideration the company’s terms regarding turnaround times, emergency claims, and if you can work with a contractor with which you have an existing relationship with.

4. Confirm the warranty start date

Before signing a home warranty contract, look to see when the warranty takes effect. Some are active on the day you sign, while others can take up to 30 days to kick in. If you’re transferring a home warranty with the sale of your home, the warranty generally transfers to the new owner on the day of closing.

Double-check with your home warranty company to make sure you’re covered during the sale of your home and notify the buyers of any time remaining so they can benefit from your coverage.

North Dakota home warranty reviews

Regarding North Dakota home warranty reviews, customers have stated that home warranty contractors in North Dakota are generally knowledgeable and keep their appointment times. Complaints consist of a time lag when requesting service and difficulty placing a service call outside of business hours.

North Dakota doesn’t provide standards or a clear registration process for home service contracts. Consumer complaints can be filed directly on the North Dakota Insurance Department website.

Frequently asked questions

Can a home warranty plan replace an old HVAC system?

If you choose a home warranty that includes coverage for your HVAC system, either through a basic or combination plan, you will be eligible for a repair or replacement. If the repair cost outweighs the value of the HVAC system, the home warranty company will provide you with a replacement.

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 happens if I sell my house with an active home warranty?

If you’re currently paying for a home warranty plan and you sell your house, the home warranty will transfer to the buyer on the date of closing. This is usually done without an additional cost and a service that the home warranty company provides.

You won’t receive money back from the home warranty company if you have time remaining and transfer the warranty to the buyer. You can choose to purchase additional coverage for the new buyer, or the buyer can contact the home warranty company to renew the plan when the original contract runs out.

Our conclusion

There’s a wide variety of home warranty companies available in North Dakota. Selecting a company and a specific plan can be difficult for new and experienced homeowners alike. However, all of the companies listed have high customer satisfaction reviews and offer plan options with North Dakota homeowners in mind.

From Bismarck, Grand Forks, Minot, and Dickinson to Jamestown, West Fargo, and Mandan, you can easily find a home warranty that will meet your needs.

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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