A home warranty in Lino Lakes can help bring down your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.
Lino Lakes is a city that has so much delicious food, great weather, and some beautiful homes. Homeownership in Lino Lakes has many benefits associated with it, but some downsides come hand in hand with it too. For one, ensuring that your home's systems and appliances get the repairs they need can make Lino Lakes homeownership quite costly.
Although a home warranty can help with your expenses as a homeowner, one issue is narrowing down the best choice for your Lino Lakes home. That's why we've done the research and have made a list of the best home warranty options in Lino Lakes.
Finding the best company for your home warranty is a step you could take to protect your property. Below is a list of some factors to consider when purchasing a home warranty in Lino Lakes:
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 is the best overall home warranty for Lino Lakes residents. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage. If you're looking for very high coverage caps and simple-to-understand service contracts, you'll want to have this plan on your side. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is lower than other providers in the Lino Lakes area.
To read more, visit our Choice Home Warranty Review. To get a free quote from Choice Home Warranty, 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 Lino Lakes residents. The 3 plans from Select are easily comprehensible and offer a mix of both system and appliance coverage. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the home warranty for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also about $2,000.
Read our Select Home Warranty full review to learn more. To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.
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
In Lino Lakes, American Home Shield offers the most customizable home warranty. AHS has over 25 years of experience in the home warranty industry and in that time has built a an expansive network of service professionals in the country. 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 3 plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options.
American Home Shield offers 3 plans for Lino Lakes homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For more information, 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 in Lino Lakes. HSC has 2 simple plans, making the selection process easy. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it 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. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $65 to $90.
To read more, visit our thorough review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or call 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
Liberty Home Guard is the most trustworthy home warranty for Lino Lakes residents. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 home warranty plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also about $3,000.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For a more detailed breakdown, read our thorough 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
Cinch Home Services offers the home warranty with the best workmanship guarantee in Lino Lakes. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 plans for you to decide between.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically about $1,000-$2,000.
To read more, visit our detailed review of Cinch Home Services. 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 Lino Lakes
A home warranty is a home protection plan that can help homeowners save money on appliance and system repairs and replacements. Our appliances and home systems are what make living in a Lino Lakes home comfortable and convenient. When they need repairs, it can be expensive and a pain. Fortunately, with a home warranty in place, an affordable repair is just a phone call away.
When you have a system or appliance that experiences a problem, you file a claim with your service provider. You can do so online or by calling them, and then a repair technician will come and fix the problem. At this point, you will also pay your service fee. Once the repair person looks at the issue, they will handle it at no cost to you. The only time you may have to pay out-of-pocket costs is if the repair or replacement is above the item's coverage cap.
A home warranty plan will cover systems and appliances that have stopped working due to normal wear and tear. For example, if your washing machine suddenly stops working under normal use conditions, your home warranty company can help. The appliances usually covered under a home warranty plan are the refrigerator, oven, dishwasher, dryer, washing machine, microwave, and more. System coverage typically includes air conditioning, electrical systems, water heaters, heating systems, plumbing, and more. You can also optionally opt to pay a bit extra for add-on coverage for items such as roof warranty, spas, septic systems, and swimming pools.
Lino Lakes homeowners should understand that a home warranty plan will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like misuse of a system or appliance, cosmetic issues, natural disasters, or pre-existing conditions. You must keep up with preventative maintenance on your home systems and appliances to make sure that your next repair or replacement-related complication will be covered by the policy.
Since temperatures in Lino Lakes can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Getting a home warranty plan can help homeowners save money if one of these systems or appliances breaks down suddenly.
Another added benefit of having a home warranty plan 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 have your home warranty with.
Home warranties also have some cons. Though it can give you less to worry about since the home warranty sends out a repair technician who carries out the repair for you, some people may not like this, and they may want to choose their own contractor. If that's the case for you, some home warranty providers allow you to choose a contractor. Another drawback is that home warranties may exclude some repairs, like those that are needed because of 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.
A home warranty can help ease some of a homeowner's maintenance worries, but ultimately, it's up to you to determine if investing in one is a good choice for you and your family. Make sure you do your research and read through any home warranty contracts that you're considering buying to understand what repairs will and will not be covered under your contract.
A home warranty in Lino Lakes can save you a lot of money and offer you peace of mind when it comes to costly home repairs and replacements. Choice Home Warranty stands out as the best overall company. It offers great coverage at an affordable monthly cost. However, other companies reviewed above are also great choices for Lino Lakes residents.
Our pick for the best overall home warranty in Lino Lakes is Choice Home Warranty but the perfect company for you will depend on factors like what appliances and systems you need to have covered.
First-time home buyers, landlords, real estate agents, home sellers, and homeowners can all get home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save homeowners money in the long run.
Typically coverage for a home warranty policy begins 30 days on the day the sale closes. However, a few providers may allow you to make a service request before this, so check with customer service to find the exact waiting period for your case.
A home warranty can cost on average anywhere from around $300 to $800 a year in Lino Lakes. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by opting for a higher service fee. In addition, it's typically cheaper to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, choosing the annual plan over monthly payments saves you $80. It's important to compare plans to determine what you're really getting for the price.
Many homeowners think a home warranty is a good investment because it helps protect against unexpected expenses. If you're worried about your finances and your ability to keep your home in good working order, getting a home warranty can help. One of the major pluses of a home warranty is that it can provide you some financial peace of mind.
