A home warranty is a way to protect your budget from unexpected large expenses. With a home warranty in place, your repair costs can be significantly lower and allow you to live in your home with more peace of mind.
Minnetonka gives homeowners some great living options and the opportunity to enjoy the snow in the winter. However, those freezing temperatures can do quite a bit of damage to your home's systems.
Finding the best home warranty plan for your Minnetonka home can be challenging, so our team at House Method did the research for you to help you find the top home warranty in Minnetonka. Keep reading for our home warranty recommendations and learn which plan works best for your home.
Now that you're ready to buy a home warranty, the first step is deciding what items you need coverage for. From there, you can compare your options and call different home warranty providers to get a free quote. Here is a list of factors that you'll want to take into account 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
Choice Home Warranty is the best overall home warranty in Minnetonka. When you buy a home warranty from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty company offers 2 plans to policyholders with various options for appliance and system coverage.
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 at the maximum.
Read more by visiting 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 in Minnetonka. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select's service fees are a reasonable $60, and the coverage limits come out to around $2,000 for each covered system or appliance.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For a more detailed breakdown, read our Select Home Warranty full 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
In Minnetonka, American Home Shield offers the most customizable home warranty. The home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage. When you purchase a plan from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that offer a combination of system and appliance coverage. The coverage caps associated with AHS's plans are close to the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To read more, visit our detailed review of American Home Shield. To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
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 offers the best home warranty with the quickest service for Minnetonka residents. When you buy a plan 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 HSC are comprehensive and offer a mix of both system and appliance coverage.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Minnetonka area.
Read more by visiting our The Home Service Club Review. 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
In Minnetonka, Liberty Home Guard is the most trustworthy home warranty. Liberty has 3 simple plans, making the selection process quick and easy. 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 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 typically around $3,000 at the maximum.
For more information on this provider, read our Liberty Home Guard Review. To get a free quote from Liberty Home Guard, you can fill out this online form or call 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
Cinch Home Services is the home warranty with the best workmanship guarantee for Minnetonka residents. Cinch is a home warranty company with 43 years of experience in the industry, and it has established itself as one of the best providers in the business. The 3 plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch's service fees are customizable and range from $75 to $150, and the coverage limits come out to around $1,000-$2,000 per covered system or appliance.
Read our review of Cinch Home Services to learn more. To receive 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 Minnetonka
A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they break down over time due to normal wear and tear. Having one in place can provide some peace of mind and prevent you from paying big out-of-pocket costs. Most home warranty plans start about 30 days after paying for the home warranty policy.
When one of your systems or appliances has a problem, you file a claim with your home warranty provider. You can do so online or by telephone, and then a contractor will come and fix the problem. Once you submit the claim, it will be assigned to a local repair person that will come to your home and look at the issue. At this point, you pay the service fee. Service fees usually range in price from about $60 to $150 and this is the only out-of-pocket cost you will have to pay unless the repair cost is more than your home warranty's coverage limit.
Home warranty plans help protect both home systems and appliances. A home warranty can cover repairs and replacements that are a result of normal wear . The appliances a home warranty typically covers include a microwave, clothes dryer, refrigerator, stove, clothes washer, cooktop, dishwasher, and more. The systems included are the electrical, water heater, air conditioner, plumbing, heating system, and more. The add-on coverages can include roof leak, spa, pool, septic system, and sometimes even things like locksmith or pest control.
Minnetonka homeowners should be aware that a home warranty plan will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like cosmetic issues, pre-existing conditions, misuse of a system or appliance, or natural disasters. You need to keep up with preventative maintenance on your home systems and appliances to ensure that your next repair or replacement-related issue will be covered by the policy.
Home warranties are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Minnetonka hitting upward of 53 degrees in the summer, you may find that certain appliances, such as your A.C., get a lot of use. A home warranty can remarkably bring down your out-of-pocket expenses should your HVAC system stop working.
In addition, having a home warranty can save you time by eliminating the need to research contractors--most providers will send a trusted professional right to your door to do the necessary repair or replacement.
One downside of getting a home warranty is that there are often exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may not be covered under the home warranty, so it's important to read over any contracts you're considering thoroughly to get a sense of what is included and what isn't. Another drawback is that home warranties may not include some repairs, such as those due to natural disasters. For example, if your house floods, the systems and appliances that were impacted most likely won't be covered by the home warranty.
Whether or not a home warranty is worth it ultimately depends on your personal preference. Similar to any other sort of insurance policy or warranty, it's there to give you some peace of mind, so you will have to be the judge of how much that is worth to you.
Hopefully, this review of Minnetonka's top home warranty companies has helped you narrow down your choices and find the right plan for you. Choice Home Warranty is the best overall home warranty provider in Minnetonka. It offers comprehensive coverage at an affordable cost. However, other options mentioned above are also great choices for Minnetonka residents.
The best home warranty provider in Minnetonka is Choice Home Warranty. Choice Home Warranty has an expansive network of professional technicians and a respected reputation in the Minnetonka area.
Home warranties cover problems related to home systems and appliances that need repairs or replacements due to normal wear and tear. The homeowner's insurance policy is a different kind of plan that protects the entire home from situations like natural disasters and fires. It doesn't cover normal appliance or system damage.
Usually coverage for a home warranty policy begins 30 days after payment. However, a few companies may let you file a claim before this, so verify with customer service to find the exact waiting period for your situation.
A home warranty will cover repair and replacement costs for home systems and appliances. Home warranties will not cover the intentional breaking of an appliance or something that happened as a result of a pre-existing condition.
Home warranties will cover the cost of repairs and replacements as long as it is within the policy limits of the plan. If the replacement will cost more than the home warranty covers, you will have to pay the rest out of pocket.
Homeownership can be costly. When a system or appliance breaks down, it can leave homeowners with an unexpected large expense to fix it. With a home warranty plan, you won't have any large hits to your savings account for home maintenance.
