A home warranty is a way to protect your savings account from unexpected home repairs and 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.
Being a homeowner in Mounds View is a great option for those who love nature and quiet neighborhoods. However, as great as Mounds View is, homeownership always comes with its fair share of difficulties, such as trying to handle your home repairs yourself.
Since the home warranty market has a lot of providers — all with different coverage — the House Method team decided to do the research for you to help you find the best home warranty in Mounds View.
The first step in protecting your real estate investment with a home warranty is determining which provider's plan is right for you. Figure out which items in your home you need coverage for and compare the plans. Below is a list of factors that you'll want to take into account when picking 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 offers the best overall home warranty in Mounds View. The 2 policies that Choice offers include options for appliance and system coverage. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that offer a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also generally around $3,000.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read our review of Choice Home Warranty to learn more.
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
In Mounds View, Select Home Warranty is the most cost-effective home warranty. With a home warranty from Select, you can enjoy 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 home warranty company offers 3 plans to policyholders with various system and appliance coverage options.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are a reasonable $60.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. To read more, visit our thorough review of Select Home Warranty.
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 Mounds View. AHS has over 25 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, this is the provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easy to comprehend and offer both system and appliance coverage.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS's plans are close to the $2,500 mark for many major systems and appliances, and service fees are customizable and range from $75 to $125.
For a more detailed breakdown, read our American Home Shield full review. To receive a free quote from American Home Shield, fill out this online form or give them a call at 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 is the best home warranty with the quickest service in Mounds View. 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. HSC has 2 simple plans, making the selection process and policy coverage easily understandable.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC's service fees are customizable and range from $65 to $90, and the coverage caps come out to about $2,000 per covered system or appliance.
To read more, visit our The Home Service Club full 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
Liberty Home Guard is the most trustworthy home warranty for Mounds View residents. Liberty has 3 plans for you to decide between. When you purchase a plan from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Mounds View homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also typically 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 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 is the home warranty with the best workmanship guarantee for Mounds View residents. Cinch has 3 simple plans, making the selection process quick and easy. 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 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.
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 give them a call at 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 Mounds View
A home warranty is a protection plan that covers home systems and appliances. When your washer or dryer breaks down and the repair costs several hundred dollars, a home warranty will ensure that your only responsibility is a predetermined service fee. Home warranty coverage typically starts without an inspection and generally goes into place about thirty days after purchasing the policy.
When you notice an issue with one of your appliances or systems, you can file a claim with your home warranty provider. Then, a customer service representative will contact you about a contractor coming over to look at the issue. At this point, you will pay a service fee, which is usually between $60 and $150 depending on what plan you opt for. After the service fee is paid, a service technician will come to your home, assess the issue, and make the repair. As long as the repair is covered by the warranty and it's within the coverage cap, most homeowners will not have to pay any other out-of-pocket costs apart from the service fee.
Home warranties help protect both your home systems and appliances. A home warranty can cover repair and replacement-related costs that are due to normal wear . Appliances covered under a home warranty plan are typically the microwave, dishwasher, garbage disposal, dryer, refrigerator, and more. Systems that are covered usually include air conditioners, plumbing systems, electrical systems, water heaters, and heating systems. Add-on options can vary from one plan to another but typically include things like a septic system, second refrigerator, central vacuum, plumbing stoppages, and sprinkler system.
An important thing to note is that home warranties only cover normal wear and tear on your home systems and appliances. Things such as cosmetic damages, misuse, pre-existing conditions, and lack of maintenance are excluded from the home warranty policy.
Another good thing about having a home warranty if you want to sell your home is that you can probably transfer your home warranty to the new owners. It can make your home more attractive to potential home buyers and may help your home sell faster.
There are also some drawbacks to getting a home warranty plan, such as the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty. Another stipulation is that home warranties usually only cover damage from normal wear and tear. They commonly won't cover home systems or appliances that have been damaged due to animal infestations, improper maintenance, natural disasters, etc.
Whether or not a home warranty is worth it ultimately comes down to your personal preference. Similar to any other type of insurance policy or warranty, its purpose is to give you some peace of mind, so you will have to decide how much that is worth to you.
Hopefully, you now feel as though you can select the best home warranty for your Mounds View home. Choice Home Warranty stands out as the best overall choice. It offers comprehensive coverage at an affordable monthly or annual cost. However, other options mentioned above are also great choices for Mounds View residents.
The best overall home warranty in Mounds View is Choice Home Warranty but the right company for you will vary based on factors like what appliances and systems you need coverage for.
A home warranty is a service contract that covers repairing and replacing major home systems and appliances.
Home warranties cover issues related to home systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a different plan that protects one's entire home from situations like natural disasters and fires. It doesn't cover normal appliance or system repairs.
Home warranties cover the cost of repairs and replacements if it is within the coverage cap of the plan. If the replacement costs more than the home warranty covers, you will have to pay the rest out of pocket.
The service fee is the price homeowner pay each time there's an issue with a system or appliance. The service fees are usually priced between $60 and $150.