A North St Paul home warranty policy can help protect you by cutting the costs of major repairs and replacements on your home's appliances and systems.
North St Paul is a great place to have a home. However, along with all the benefits of homeownership, there are typically a few negatives, too. One of the biggest challenges for many homeowners is that systems and appliances can stop working unexpectedly.
Although a home warranty can help with your expenses as a homeowner, one issue is narrowing down the perfect choice for your North St Paul home. That's why we've done the research and have made a guide of the top home warranty companies in North St Paul.
The first step in protecting your house with a home warranty is determining which company's plan fits your needs. Figure out which items in your home you want coverage for and compare the plans. When considering which home warranty company is the best fit for you, here are some important factors to bear in mind:
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 North St Paul. The 2 plans from Choice are easily comprehensible and offer a mix of both system and appliance coverage. When you buy a plan 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.
Choice Home Warranty has 2 plans that offer a combination of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also typically around $3,000.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For more information, read our Choice Home Warranty full review.
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 North St Paul residents. 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 are easily comprehensible and have a mix of both system and appliance coverage.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also around $2,000 at the maximum.
For more information on this provider, read our review of Select Home Warranty. 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
American Home Shield is the most customizable home warranty in North St Paul. AHS is a home warranty provider with 25 years of experience in the industry, and it has become one of the best providers in the business. 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. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage.
American Home Shield offers 3 plans for North St Paul homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. AHS's service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 for each covered system or appliance.
Read our thorough review of American Home Shield to learn more. To get 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 offers the best home warranty with the quickest service in North St Paul. HSC offers 2 plans for homeowners to choose from. If you're looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, this is the home warranty for you. Plus, 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 from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the North St Paul area.
For more information on this provider, read our The Home Service Club full review. To get a free quote from The Home Service Club, you can 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 offers the most trustworthy home warranty for North St Paul residents. The 3 policies that Liberty has include differing levels of system and appliance coverage, as well as add-on options. 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 Home Guard offers 3 plans for North St Paul homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Liberty's plans are around the $3,000 mark for many major systems and appliances, and service fees are an affordable $75.
For a more detailed breakdown, read our full review of Liberty Home Guard. To receive 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for North St Paul residents. 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. Cinch has 3 plans for homeowners to choose from.
Cinch Home Services offers 3 plans for North St Paul homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are customizable and range from $75 to $150.
For a more detailed breakdown, read our Cinch Home Services full review. 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 North St Paul
A home warranty is a home protection plan that can decrease the cost of on appliance and system repairs and replacements. Our appliances and home systems are what make living in a North St Paul home comfortable and convenient. When these things need updating, it can be costly and a nuisance. Fortunately, with a home warranty in place, an affordable repair is just a phone call away.
When one of your systems or appliances experiences an issue, you file a claim with your service provider. You can do so in an online portal or by telephone, and then a contractor will come and fix the problem. The claim is then processed, and a homeowner will pay a predetermined service fee to schedule the repair . This repair will typically happen within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees range between $60 and $150.
A home warranty in North St Paul typically covers the main systems and appliances in your house. The appliances typically covered under a home warranty include clothes dryer, microwave, refrigerator, garbage disposal, dishwasher, clothes washer, and more. The systems usually included are plumbing systems, hot water heaters, ductwork, electrical systems, and air conditioners. Many plans also have add-on coverage options like central vacuum, septic systems, roof leaks, and even locksmith.
A home warranty will only cover normal wear and tear on your home systems and appliances. Things such as cosmetic damages, pre-existing conditions, misuse, and lack of maintenance are excluded from the home warranty policy.
Another benefit of having a home warranty if you want to sell your home is that some providers let you transfer your home warranty plan to the new owners. It can make your house more attractive to potential home buyers and may help your house sell faster.
One downside of purchasing a home warranty is that there are generally 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 through the contracts you're considering carefully to understand what is included and what isn't. Another consideration is that home warranties usually only cover repairs needed due to normal wear and tear. They often won't cover home systems or appliances that have been damaged due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty can help with some of a homeowner's maintenance headaches, but in the end, it's up to you to determine if investing in one is a good choice for you and your family. Be sure to do your research and read over any home warranty policy that you're seriously considering getting to get a sense of what repairs will and will not be covered under your contract.
A home warranty can save you a decent amount of money on home repairs and offer you peace of mind as a homeowner in North St Paul. When it comes to home warranty companies in North St Paul, the best overall is Choice Home Warranty. With its comprehensive coverage, fair pricing, and a good history in the industry, Choice Home Warranty has a lot to offer.
Our pick for the best overall home warranty provider in North St Paul is Choice Home Warranty but the right company for you will depend on factors like what appliances and systems you need to have covered.
Most home warranty companies have a 30-day waiting period before you can make service requests, but some may offer coverage sooner so be sure to check with the company about this.
The systems and appliances in a home are covered under a home warranty in North St Paul. Everything from a stove to a garage door can be covered under a home warranty.
Most home warranties will cover replacement costs in addition to repair costs. The coverage cap varies from one plan to the next. Home warranties will give you some money towards a replacement but the entire replacement may not be paid for.
Many homeowners find a home warranty is a good investment because it can help protect against unexpected expenses. If you're worried about your budget and home maintenance, a home warranty can help. One of the major positives of a home warranty is that it can give you some financial peace of mind.