Home Warranty Company and Plan Details

Rochester homeowners have several of the best home warranty options in Rochester. House Method's team considered service guarantee, professional network, coverage, customer reviews, monthly costs and service fees, and more to rank the top providers. Here are how the top home warranties in Rochester ranked:

Choice Home Warranty - Best Overall
Select Home Warranty - Most Affordable
American Home Shield - Best Customizable Plans
The Home Service Club - Quickest Service
Liberty Home Guard - Most Trustworthy
Cinch Home Services - Best Workmanship Guarantee

Choice Home Warranty

4.85

Best Overall

MONTHLY COST $45.00 - $53.33

YEARS IN BUSINESS 14

GET ESTIMATE

929-400-6164

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 Rochester. Choice has over 14 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage options. If you're looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.

Choice Home Warranty has 2 plans that provide a combination of system and appliance coverage. Choice's service fees are an affordable $85, and the coverage caps come out to around $3,000 for each covered appliance or system.

To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For a more detailed breakdown, read our Choice Home Warranty full review.

Home Warranty Plans from Choice Home Warranty

Basic Plan

Service fee: $85.00 Monthly cost: $45.00 Items covered: Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater Add-on items: Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer

Total Plan

Service fee: $85.00 Monthly cost: $53.33 Items covered: Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater, AC, Washer, Dryer, Refrigerator Add-on items: Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer

Select Home Warranty

4.8

Most Affordable

MONTHLY COST $57.67 - $62.08

YEARS IN BUSINESS 10

GET ESTIMATE

888-370-3953

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 is the most cost-effective home warranty in Rochester. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, Select is the perfect provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 plans for homeowners to choose from.

Select Home Warranty has 3 plans that offer a mix of system and appliance coverage. Select's service fees are a reasonable $60, and the coverage limits come out to about $2,000 for each covered system or appliance.

For a more detailed breakdown, read our Select Home Warranty full review. To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.

Home Warranty Plans from Select Home Warranty

Bronze Care Plan

Service fee: $60.00 Monthly cost: $57.67 Items covered: Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer Add-on items: Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks

Gold Care Plan

Service fee: $60.00 Monthly cost: $57.67 Items covered: Air Conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater Add-on items: Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks

Platinum Care Plan

Service fee: $60.00 Monthly cost: $62.08 Items covered: Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer, Air conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater, Ceiling fan, Garage door, Plumbing stoppages Add-on items: Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks

American Home Shield

4.75

Best Customizable Plans

MONTHLY COST $29.27 - $74.27

YEARS IN BUSINESS 25

GET ESTIMATE

888-365-2839

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 Rochester. AHS has more than 25 years of experience in the home warranty sector, and has provided excellent 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, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 home warranty plans that AHS has include differing levels of system and appliance coverage, as well as add-on options.

There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS's service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 for each covered system or appliance.

Read our American Home Shield full review 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.

Home Warranty Plans from American Home Shield

ShieldSilver

Service fee: $75.00 - $125.00 Monthly cost: $29.27 - $44.27 Items covered: Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Locksmith, Plumbing, Plumbing stoppages, Toilet, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Spa, PC, TV, Septic, Well pump

ShieldGold

Service fee: $75.00 - $125.00 Monthly cost: $39.27 - $54.27 Items covered: Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Toilet, Trash compactor, Washer, Water heater, Whole house fan Add-on items: Pool, Spa, PC, TV, Septic, Well pump

ShieldPlatinum

Service fee: $75.00 - $125.00 Monthly cost: $59.27 - $74.27 Items covered: Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Locksmith, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Roof leaks, Toilet, Trash compactor, Washer, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Spa, PC, TV, Septic, Well pump

The Home Service Club

4.7

Quickest Service

MONTHLY COST $50.40 - $62.90

YEARS IN BUSINESS 14

GET ESTIMATE

800-750-9443

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 Rochester. When you buy a home warranty 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.

The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC's plans are around the $2,000 mark for most major systems and appliances, and service fees are customizable and range from $65 to $90.

To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For a more detailed breakdown, read our detailed review of The Home Service Club.

Home Warranty Plans from The Home Service Club

Standard Coverage Plan

Service fee: $60.00 - $95.00 Monthly cost: $50.40 Items covered: Air conditioner, Ceiling fan, Dishwasher, Garbage disposal, Dryer, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Plumbing, Refrigerator, Trash compactor, Central vacuum, Washer, Water heater Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer

Comprehensive Coverage Plan

Service fee: $60.00 - $95.00 Monthly cost: $62.90 Items covered: Air conditioner, Alarm wiring, Attic fans, Ceiling fan, Dishwasher, Garbage disposal, Doorbell, Dryer, Ductwork, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Pest control, Phone, Plumbing, Plumbing stoppages, Refrigerator, Sump pump, Toilet, Trash compactor, Central vacuum, Washer, Water dispenser, Water heater, Whole house fan Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer

Liberty Home Guard

4.65

Most Trustworthy

MONTHLY COST $69.99 - $79.99

YEARS IN BUSINESS 5

GET ESTIMATE

866-451-2281

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 in Rochester. Liberty has been in business for about 5 years, making it a well-regarded company in the industry. The 3 plans from Liberty are easy to comprehend and have a mix of both system and appliance coverage. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry.

Liberty Home Guard has 3 plans that provide a combination of system and appliance coverage. Liberty's service fees are an affordable $75, and the coverage limits come out to about $3,000 for each covered system or appliance.

To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. For more information on this provider, read our review of Liberty Home Guard.

Home Warranty Plans from Liberty Home Guard

Appliance Guard

Service fee: $75.00 Monthly cost: $69.99 Items covered: Ceiling Fan, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Refrigerator, Refrigerator ice maker, Washer Add-on items: Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser

Systems Guard

Service fee: $75.00 Monthly cost: $74.99 Items covered: Air Conditioner, Bath exhaust fan, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater Add-on items: Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser

Total Home Guard

Service fee: $75.00 Monthly cost: $79.99 Items covered: Ceiling Fan, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Refrigerator, Refrigerator ice maker, Washer, Air Conditioner, Bath exhaust fan, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater Add-on items: Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser

Cinch Home Services

4.35

Best Workmanship Guarantee

MONTHLY COST $34.99 - $67.99

YEARS IN BUSINESS 43

GET ESTIMATE

877-589-0505

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 in Rochester. 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.

Cinch Home Services has 3 plans that offer a mix of system and appliance coverage. Cinch has coverage caps of around $1,000-$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 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. To read more, visit our review of Cinch Home Services.

Home Warranty Plans from Cinch Home Services

Appliances Plan

Service fee: $75.00 - $150.00 Monthly cost: $34.99 - $50.99 Items covered: Cooktop exhaust fan, Dishwasher, Dryer, Food center, Free-standing ice maker, Microwave, Oven, Refrigerator, Refrigerator ice maker, Trash compactor, Washer Add-on items: Pool, Septic, Well pump

Built-in Systems Plan

Service fee: $75.00 - $150.00 Monthly cost: $39.99 - $57.99 Items covered: Air conditioner, Smoke alarm, Attic fans, Bath exhaust fans, Ceiling fans, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Plumbing, Plumbing stoppages, Septic tank pumping, Spa, Sump pump, Toilet, Vacuum, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Septic, Well pump

Complete Home Plan

Service fee: $75.00 - $150.00 Monthly cost: $49.99 - $67.99 Items covered: Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Food center, Free-standing ice maker, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Refrigerator ice maker, Septic tank pumping, Spa, Sump pump, Toilet, Trash compactor, Vacuum, Washer, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Septic, Well pump

Additional home warranty information

Cost to replace or repair common home appliances and repair damages in Rochester

AIR CONDITIONER
$6,189 HEATING
$4,126 ELECTRICAL
$619 TOILETS
$516 WASHER/DRYER
$825 PLUMBING
$619 OVEN/STOVE
$1,650 FRIDGE
$619

Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.

Looking to save big when things go wrong?

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What is a home warranty?

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 Rochester home comfortable and convenient. When they start to break down, it can be expensive and a headache. Luckily, with a home warranty plan, an affordable repair is just a phone call away.

When you have a system or appliance that experiences an issue, you file a claim with your home warranty 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 contractor takes a look at the problem, they will handle it at no cost to you. The only time a Rochester homeowner may have to pay out-of-pocket costs is if the repair or replacement is more than the item's coverage cap.

What does a home warranty cover?

Home warranties help protect your home systems and appliances. A home warranty can cover repairs and replacements that are a result of normal wear . Typical appliances covered under a home warranty plan include a dryer, refrigerator, garbage disposal, washer, microwave, dishwasher, and more. The systems that are most commonly covered will be air conditioners, electrical systems, plumbing systems, heating systems, and hot water heaters. The add-on coverages can include septic system, spa, roof leak, pool, and sometimes even things like locksmith or pest control.

Rochester 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, pre-existing conditions, natural disasters, or cosmetic issues. You must 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.

Is a home warranty worth it in Rochester?

Benefits of a home warranty

Home warranties are an inexpensive way to protect your home systems and appliances from normal wear and tear. With temperatures in Rochester reaching upward of 53 degrees in the summer, you may find that certain appliances, like your air conditioning system, get a lot of use. A home warranty can remarkably lower your out-of-pocket expenses should your HVAC system stop working.

A home warranty can also offer value in other ways. For example, some policies can be transferred to another owner during a home sale.

Downsides of a home warranty

Home warranties also have some downsides. While it can be convenient that the home warranty sends out a contractor who does the repair for you, some homeowners may not like this, and they may want to choose their own contractor. If that's the case for you, some home warranty companies allow you to choose a contractor. Plus, if you don't maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.

Owning a home is a big responsibility that can be expensive, but valuable. A home warranty is one thing that can help ease the costs of home maintenance, but its worth for you is something you'll have to determine before purchasing a policy.

Final Thoughts

Hopefully, you now feel positive that you can choose a home warranty provider in Rochester after reading our reviews. The best provider in Rochester is Choice Home Warranty. Its comprehensive coverage, fair pricing, and easy to understand plans make it a great home warranty for Rochester homeowners.

Best Overall

Over 10 years of experience
24/7 customer service team
Home inspections aren’t required

4.85

GET QUOTE

Most Affordable

Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option

4.8

GET QUOTE

Best Customizable Plans

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

4.75

GET QUOTE

6 Best Home Warranty Companies in Rochester, MN

Best Overall

Most Affordable

Best Customizable Plans

Choosing a home warranty company in Rochester

Quick reference for home warranty companies in Rochester

Home Warranty Company and Plan Details

Choice Home Warranty

Best Overall

Home Warranty Plans from Choice Home Warranty

Basic Plan

Total Plan

Select Home Warranty

Most Affordable

Home Warranty Plans from Select Home Warranty

Bronze Care Plan

Gold Care Plan

Platinum Care Plan

American Home Shield

Best Customizable Plans

Home Warranty Plans from American Home Shield

ShieldSilver

ShieldGold

ShieldPlatinum

The Home Service Club

Quickest Service

Home Warranty Plans from The Home Service Club

Standard Coverage Plan

Comprehensive Coverage Plan

Liberty Home Guard

Most Trustworthy

Home Warranty Plans from Liberty Home Guard

Appliance Guard

Systems Guard

Total Home Guard

Cinch Home Services

Best Workmanship Guarantee

Home Warranty Plans from Cinch Home Services

Appliances Plan

Built-in Systems Plan

Complete Home Plan

Additional home warranty information

Cost to replace or repair common home appliances and repair damages in Rochester

Looking to save big when things go wrong?

What is a home warranty?

What does a home warranty cover?

Is a home warranty worth it in Rochester?

Benefits of a home warranty

Downsides of a home warranty

Final Thoughts

Best Overall

Most Affordable

Best Customizable Plans

Home Warranty FAQs

What's the best home warranty company?

What's the purpose of a home warranty?

How soon can you use a home warranty after purchasing it?

What is usually covered under a Rochester home warranty?

What is a service fee?

Is a home warranty necessary?

Other Rochester Home Services

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