A Prior Lake home warranty plan can help protect homeowners by covering major repairs and replacements on your home's appliances and systems.
Being a homeowner in Prior Lake is an excellent option for those who enjoy nature and quiet neighborhoods. However, as great as Prior Lake is, homeownership always comes with its fair share of downsides, such as trying to finance your appliance and system repairs yourself.
Even though a home warranty can help with your homeowner headaches, one pain point is narrowing down the best choice for your Prior Lake home. That's why we've done the research and have made a guide of the top home warranty companies in Prior Lake.
The first step in protecting your house with a home warranty is determining which company's plan is the best for you. Think about the items in your home you'd like coverage for and compare the policies. 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
In Prior Lake, Choice Home Warranty is the best overall home warranty. 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 has 2 simple plans, making the selection process easy.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also around $3,000.
For a more detailed breakdown, read our full review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 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
In Prior Lake, Select Home Warranty offers the most cost-effective home warranty. Select has 3 plans for you to choose from. 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 plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select's plans are around the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For more information on this provider, read 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 is the most customizable home warranty for Prior Lake residents. The 3 plans from AHS are comprehensive and offer both system and appliance coverage. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS's service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 for each covered appliance or system.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our 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
In Prior Lake, The Home Service Club offers the best home warranty with the quickest service. The 2 home warranty plans that HSC has include differing levels of system and appliance coverage, as well as add-on options. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also 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 associated with HSC's plans are close to the $2,000 mark for most major systems and appliances, and service fees are customizable and range from $65 to $90.
For more information, read our review of The Home Service Club. 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
In Prior Lake, Liberty Home Guard offers the most trustworthy home warranty. Liberty has 3 plans for homeowners to decide between. When you buy a policy 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.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are an affordable $75.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. To read more, visit our comprehensive 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
In Prior Lake, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has been operating for over 43 years, making it a respected company in the industry. Cinch has 3 plans for homeowners to decide between. 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.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch's plans are close to the $1,000-$2,000 mark for most major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For more information, read our review of Cinch Home Services.
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 Prior Lake
A home warranty is a protection plan for home systems and appliances. When your HVAC stops working and the repair will cost several hundred dollars, a home warranty will make sure that your only responsibility is a predetermined service fee. Home warranty coverage usually starts without an inspection and generally goes into place about thirty days after purchasing the policy.
When a covered appliance or system needs to be repaired, you file a claim with your home warranty service provider. Most companies have an online portal where you can do this. Once you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. At this point, you will pay a service fee, which is typically between $60 and $150 depending on what plan you select. Once the service fee is paid, a service technician will come to your home, assess the issue, and repair it. As long as the repair is covered by the warranty and it's within the coverage cap, most homeowners will not have any other out-of-pocket costs apart from the service fee.
A home warranty plan provides coverage on your home's major appliances and systems and it can help cut back on your home maintenance expenses. The appliances typically covered under a home warranty plan are the microwave, oven, washing machine, dryer, refrigerator, dishwasher, and more. System coverage typically includes air conditioning, heating systems, electrical systems, plumbing, water heaters, and more. Add-on coverage will vary from plan to plan, but you can expect to see add-ons such as sump pumps, central vacuums, roof leaks, pools, electronics, and spas.
An important thing to consider is that home warranties only protect against normal wear and tear on your home systems and appliances. Things like lack of maintenance, misuse, pre-existing conditions, and cosmetic damages are not included in the home warranty policy.
Prior Lake is known for its frigid winters, and if you live in Prior Lake, you know that those winters can be rough. During the winter months, your heating system can be overloaded in its effort to combat the cold. If your heater did break down, a home warranty can cover repairs and help cut back on your out-of-pocket expenses.
Plus, having a Prior Lake home warranty can help make your house more attractive to potential home buyers if you ever decide to sell in the future. Many home warranty companies will allow you to transfer your policy to a new owner and give them the same protection you've been receiving.
Home warranties also have some drawbacks. While it can be convenient that the home warranty sends out a service technician who takes care of the repair for you, some homeowners may not like this, and they would prefer to select a contractor themselves. If that's the case for you, some home warranty plans let you select a contractor. Another potential pain point of home warranties is that they don't cover items that have been improperly maintained. This can lead to your repair requests being denied, so it's important to make sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
A home warranty can be the solution to some of a homeowner's maintenance troubles, but in the end, it's up to you to determine if investing in one is the right choice for you and your family. Make sure you do your research and read through any home warranty policy that you're seriously considering buying to get a sense of what repairs will and will not be covered under your contract.
We hope you now feel confident that you can choose a home warranty provider in Prior Lake after reading our reviews. Choice Home Warranty stands out as the best overall home warranty. Choice Home Warranty provides comprehensive coverage at an affordable cost.
The best overall home warranty provider in Prior Lake is Choice Home Warranty but the right company for you will depend on factors like what appliances and systems you need coverage for.
First-time home buyers, landlords, homeowners, home sellers, and real estate agents can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save homeowners money in the long run.
Usually coverage for a home warranty begins 30 days after the payment receipt. However, a few companies may allow you to make a service request before this, so verify with customer service to find the exact waiting period for your case.
Most home warranty plans will cover replacement costs in addition to repair costs. How much the coverage cap is varies from one plan to the next. You can expect that home warranties will give you some money towards a replacement but don't expect to have the entire replacement paid for.
A service fee is an expense that you pay before a service technician or contractor comes to your home to repair your home warranty-related problem. Prices typically range between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket expense that homeowners have with a home warranty except for the monthly premium/annual cost.
