A home warranty can bring you the peace of mind you need about your home and protect your bank account from large expenses by covering your home's major systems and appliances.
Being a homeowner in Forest Lake is a great option for those who enjoy nature and quiet neighborhoods. However, as great as Forest Lake is, homeownership always comes with its fair share of difficulties, such as trying to pay for your appliance repairs yourself.
Finding the best home warranty plan for your Forest Lake home can be difficult, so our team at House Method did the research for you to help you find the top home warranty in Forest Lake. Read on for our home warranty recommendations and find out which plan works best for your home.
Choosing the best home warranty in Forest Lake for you depends on the coverage you need, the home warranty provider you opt for, and your location, among other factors. Before making your final decision, here are a few other factors to consider:
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
Choice Home Warranty offers the best overall home warranty in Forest Lake. Choice has 2 simple plans, making the selection process and policy coverage easily understandable. 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000.
For a more detailed breakdown, read our review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
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 offers the most cost-effective home warranty for Forest Lake residents. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are comprehensive and have a mix of both system and appliance coverage.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also generally around $2,000.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For more information, read our Select Home Warranty Review.
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 for Forest Lake residents. AHS has over 25 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easy to understand and offer both system and appliance coverage.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS's service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 for each covered appliance or system.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our American Home Shield full review.
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 in Forest Lake. The home warranty provider offers 2 plans to policyholders that have various system and appliance coverage options. When you buy a policy from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC's plans are around the $2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For a more detailed breakdown, read our comprehensive review of The Home Service Club.
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
Liberty Home Guard is the most trustworthy home warranty for Forest Lake residents. 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. The home warranty company offers 3 plans to policyholders with various options for appliance and system coverage.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also typically about $3,000.
For more information on this provider, read our review of Liberty Home Guard. To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281.
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 Forest Lake, Cinch Home Services is the home warranty with the best workmanship guarantee. The 3 plans from Cinch are easy to comprehend and have a mix of both system and appliance coverage. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Forest Lake area.
Read our review of Cinch Home Services to learn more. To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
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 Forest Lake
A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they malfunction over time due to normal wear and tear. Having a home warranty in place can provide some peace of mind and prevent you from paying big out-of-pocket costs. Most home warranty plans take effect about 30 days after paying for the home warranty plan.
When you notice an issue with one of your appliances or systems, you can submit a claim with your home warranty company. Then, a customer service representative will reach out to you about a repair technician coming over to look at the issue. At this point, you will also pay your service fee. Once the contractor fixes the problem, they will deal with it at no cost to you. The only time a Forest Lake homeowner may have to pay out-of-pocket costs is if the repair or replacement is over the item's coverage cap.
Home warranty plans help protect both home systems and appliances. A home warranty can cover repair and replacement-related expenses that are due to normal wear . The appliances a home warranty typically covers include a dishwasher, clothes dryer, stove, microwave, refrigerator, clothes washer, cooktop, and more. The systems included are the air conditioner, water heater, electrical, plumbing, heating system, and more. Many plans also offer add-on coverage options like septic systems, locksmith, central vacuum, and even roof leaks.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your appliances or systems and follow preventative maintenance guidelines, your home warranty will not cover it. Things such as misuse, cosmetic damages, lack of maintenance, and pre-existing conditions are not included in a home warranty policy.
Home warranty plans are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Forest Lake reaching upward of 53 degrees in the summer, you may find that some appliances, such as your air conditioning system, get a lot of use. A home warranty can remarkably decrease your out-of-pocket expenses should your HVAC system break down.
Another added benefit of having home warranty coverage 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.
One disadvantage of getting a home warranty is that there are often exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may be excluded from the home warranty, so it's important to read over any contracts you're considering thoroughly to understand what is included and what isn't. Another drawback is that home warranties may not include some repairs, like those due to natural disasters. For example, if a tree falls onto your house and damages the roof, the systems and appliances that were affected probably won't be covered by the home warranty.
Whether or not a home warranty is worth it ultimately depends on your personal preference. Like any other sort of insurance policy or warranty, its purpose is to provide you a sense of protection, so you will have to decide how much that is worth to you.
Hopefully, this review of Forest Lake's top home warranty providers has helped you narrow down your choices and ultimately decide on a plan. The best provider in Forest Lake is Choice Home Warranty. With its comprehensive coverage, affordable pricing, and a good history in the industry, Choice Home Warranty has a lot to offer.
Our pick for the best overall home warranty company in Forest Lake 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.
A home warranty is a type of service contract that provides homeowners extra coverage for their household systems and appliances. These include washing machines, dishwashers, refrigerators, dryers, garbage disposals, sump pumps, plumbing, electrical systems, heating and cooling systems, and water heaters, among others. Some policies also offer coverage for garage door openers, roofs, ceiling fans, and pools. A home warranty can help you save money if these appliances and systems fail unexpectedly.
A home warranty policy can help home sellers, investors, homebuyers, homeowners, and real estate agents. It can provide peace of mind to anyone involved in homeownership.
The service fee is the price you pay every time there's an issue with a home system or appliance. The service fees are usually between $60 and $150.
Owning a home can be pricey. When a system or appliance breaks down, it can leave homeowners unexpectedly having to come up with the money to fix it. With a home warranty in place, you won't have any large hits to your bank account just to keep your home up and running.
