A home warranty in Anoka can help cut your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that break down due to normal wear and tear.
Being a homeowner in Anoka is an excellent option for those who enjoy nature and quiet neighborhoods. However, as great as Anoka is, homeownership always comes with its fair share of negatives, such as trying to handle your home repairs yourself.
Even though a home warranty can help with your expenses as a homeowner, one issue is narrowing down the right choice for your Anoka home. That's why we've done the research and have made a list of the top home warranty options in Anoka.
Choosing the right home warranty in Anoka for you and your family depends on the kind of coverage you want, the home warranty company you opt for, and where you live, among other factors. Here is a list of factors that you'll want to consider when choosing a home warranty provider:
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in Washington
In Anoka, Choice Home Warranty is the best overall home warranty. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty provider offers 2 plans to policyholders with various system and appliance coverage options.
Choice Home Warranty offers 2 plans for Anoka homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Anoka area.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For more information, read our thorough review of Choice Home Warranty.
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty is the most cost-effective home warranty in Anoka. The 3 home warranty plans that Select offers include differing levels of system and appliance coverage, as well as add-on options. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty has 3 plans that provide a mix of appliance and system coverage. Select's service fees are a reasonable $60, and the coverage caps come out to about $2,000 per covered system or appliance.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read our detailed review of Select Home Warranty to learn more.
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in Alaska
American Home Shield offers the most customizable home warranty in Anoka. AHS is a home warranty company with 25 years of experience in the industry, and it has become one of the best providers in the business. The 3 home warranty plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, you'll want to have this plan on your side. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically around $2,500 at the maximum.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. For a more detailed breakdown, read our detailed review of American Home Shield.
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the Better Business Bureau (BBB)
Only 2 plan options
The Home Service Club is the best home warranty with the quickest service for Anoka residents. HSC offers 2 plans for you to choose from. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC's plans are around the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
Read more by visiting our comprehensive review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
In Anoka, Liberty Home Guard offers the most trustworthy home warranty. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 simple plans, making the selection process quick and easy.
Liberty Home Guard has 3 plans that provide a combination of system and appliance coverage. Liberty's service fees are an affordable $75, and the coverage limits come out to around $3,000 per covered system or appliance.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. For a more detailed breakdown, read our detailed review of Liberty Home Guard.
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska
In Anoka, Cinch Home Services is the home warranty with the best workmanship guarantee. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you'll want to have this plan on your side. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The 3 home warranty plans that Cinch offers include options for appliance and system coverage.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch's plans are around the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read more by visiting our Cinch Home Services full review.
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
Get a free quote from our #1 recommended provider in Anoka
A home warranty is a service contract that makes it more affordable when one of your home systems or appliances experiences an issue. A home warranty can help homeowners who need to keep a budget in place and don't want to use their savings to pay for large repair or replacement expenses. Typically about 30 days after a home warranty plan is paid for, the coverage will start on your home systems and appliances.
Filing a claim with your home warranty company is very simple. You can utilize either an online portal or a direct phone number to file your claim with your home warranty company. Once you file the claim, it will be assigned to a local service technician that will come to your home and look at the problem. At this point, you pay the service fee. Service fees generally range in price from around $60 to $150 and this is the only out-of-pocket cost you will need to pay unless the repair cost is higher than your home warranty's coverage limit.
A home warranty plan provides coverage on your home's major appliances and systems and it can help cut back on your home maintenance expenses. The appliances commonly covered under a home warranty plan are the dishwasher, oven, dryer, washing machine, refrigerator, microwave, and more. System coverage typically includes air conditioning, electrical systems, plumbing, heating systems, water heaters, and more. The add-on coverages can include spa, pool, septic system, roof leak, and sometimes even things like locksmith or pest control.
A home warranty will only cover normal wear and tear that occurs on your home systems and appliances. Things like cosmetic damages, pre-existing conditions, lack of maintenance, and misuse are not included in the home warranty policy.
Since temperatures in Anoka can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Buying a home warranty can help homeowners save money if one of these systems or appliances stops working all of a sudden.
Another added benefit of having a home warranty policy is that it can raise your home's real estate value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new home buyers depending on the provider you purchased your home warranty through.
As for the negatives of home warranties, system and appliance coverage varies by company so it's important to understand what each policy covers and excludes in the contract. Also, if you don't maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
It can be hard to budget for the unexpected expenses that can come with homeownership, but a home warranty can help with that. Similar to any other warranty or insurance policy, there will always be benefits and drawbacks of purchasing one but its main purpose is to offer you protection and peace of mind.
Hopefully, this review of Anoka's top home warranty companies has helped you narrow down your choices and decide on a plan. Choice Home Warranty stands out as the best overall home warranty. It offers comprehensive coverage at an affordable premium. However, other providers mentioned above are also great choices for Anoka residents.
Our pick for the best overall home warranty provider in Anoka is Choice Home Warranty but the perfect company for you will vary based on factors such as what appliances and systems you need to have covered.
Most home warranties have a 30-day waiting period before you can make service requests, but some may allow you to file sooner so make sure you check with the company about this.
The systems and appliances in a home are covered under a home warranty in Anoka. Everything from a stove to a pool can be covered under a home warranty.
The service fee is the price you pay every time there's an issue with a system or appliance. The service fees are typically between $60 and $150.
A Anoka home warranty can cost between $40 and $80 a month. The higher-priced plans usually have more coverage, higher coverage limits, and a lower service fee.