A South St Paul home warranty can help protect you by cutting the costs of major repairs and replacements on your home's appliances and systems.
South St Paul is a great place to buy a home. However, along with all the perks of homeownership, there are typically a few downsides, too. One of the biggest headaches for many homeowners is that systems and appliances can need repairs at any time.
Although a home warranty can help with your homeowner concerns, one pain point is narrowing down the perfect choice for your South St Paul home. That's why we've done the research and have made a guide of the top home warranty plans in South St Paul.
After researching the basics of home warranties in South St Paul, your next step is to figure out which company you're interested in receiving a free quote from. Before making your final decision, here are a few other factors to consider:
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 South St Paul. Choice offers 2 plans for you to decide between. With a home warranty from Choice, you can enjoy very high coverage caps and simple-to-understand service contracts. Not to mention, 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 mix of appliance and system coverage. Choice 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 $85.
Read our comprehensive review of Choice Home Warranty to learn more. To get 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 for South St Paul residents. The 3 plans from Select are easy to understand and offer both system and appliance coverage. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the South St Paul area.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read more by visiting our 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 South St Paul residents. AHS is a home warranty company with 25 years of experience in the industry, and it has proved to be 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. AHS has 3 plans for homeowners to choose from.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS's plans are close to the $2,500 mark for most major systems and appliances, and service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For more information, read our American Home Shield Review.
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 for South St Paul residents. HSC offers 2 plans for you to decide between. With a home warranty from HSC, you can benefit from 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.
The Home Service Club offers 2 plans for South St Paul homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. HSC has coverage caps of around $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 $65 to $90.
Read our review of The Home Service Club to learn more. To get 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 South St Paul residents. 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. The 3 policies that Liberty offers include differing levels of system and appliance coverage, as well as add-on options.
Liberty Home Guard has 3 plans that offer 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.
Read more by visiting 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
In South St Paul, Cinch Home Services offers the home warranty with the best workmanship guarantee. 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 3 policies that Cinch has include options for appliance and system coverage.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. 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 make sure to check with the company. Service fees are customizable and range from $75 to $150.
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 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 South St Paul
A home warranty is a service contract that makes it more affordable when one of your home systems or appliances breaks down. A home warranty can help homeowners who need to keep a budget in place and don't have the savings to pay for large repair or replacement expenses. Typically about 30 days after buying a home warranty plan, the coverage will start on your home systems and appliances.
For South St Paul homeowners, when an issue comes up with a covered appliance or system, it is very easy to file a claim. Most home warranty companies have an online portal where you can submit a claim. The claim is then processed, and a homeowner will pay a predetermined service fee to schedule the repair . This repair will typically occur within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees are between $60 and $150.
A home warranty in South St Paul typically covers the main systems and appliances in the house. The appliances typically covered under a home warranty plan are the dryer, dishwasher, oven, refrigerator, microwave, washing machine, and more. System coverage typically includes electrical systems, water heaters, heating systems, air conditioning, plumbing, and more. Add-on coverage will vary from plan to plan, but you can expect to see add-ons such as electronics, pools, spas, central vacuums, sump pumps, and roof leaks.
An important thing to consider is that home warranties only cover normal wear and tear that occurs on your home systems and appliances. Things like cosmetic damages, lack of maintenance, pre-existing conditions, and misuse are not included in the home warranty policy.
South St Paul's frigid winters can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty is designed to cover your home's appliances and systems if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the repairs, saving you from spending a lot of money out of pocket.
Plus, though it varies by company, some providers will let you transfer your warranty if you sell your home. This can make your property more attractive to potential home buyers and maybe even make your home sell faster.
One of the main drawbacks of home warranties is not every home system and appliance may be covered. It's important to research the different plans and sign up for one that covers all the appliances, systems, and add-ons you need. Another thing to bear in mind is that some providers don't cover pre-existing issues and may require an inspection before coverage begins. Ask the home warranty company for clarification about this if you need more information or if this is a problem for you.
It isn't always easy to budget for the unexpected expenses that can come with owning a home, but a home warranty can help with that. Like any other warranty or insurance policy, there will always be advantages and disadvantages of getting one but its main purpose is to offer you protection and peace of mind.
A home warranty in South St Paul can save you a lot of money and give you peace of mind when it comes to expensive home repairs and replacements. All of these top providers have impressive experience in the industry and coverage options. Among them, Choice Home Warranty stands out as the best overall choice. Choice Home Warranty provides home warranties with comprehensive coverage at an affordable price.
The top home warranty provider in South St Paul is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced technicians and a great reputation in the South St Paul area.
A home warranty is a kind of contract that covers the repairs and replacements of your major home system components and appliances.
Home warranty plans cover issues with systems and appliances that need to be repaired or replaced due to normal wear and tear. A homeowner's insurance policy is a different kind of insurance that protects the entire home from natural disasters and fires. It doesn't cover typical appliance or system breakage.
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 issue. Prices typically range between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket cost that homeowners are subject to with a home warranty in place apart from the policy's premium.
A home warranty in South St Paul can cost between $40 and $80 a month. The higher-priced plans typically have higher coverage limits, a lower service fee, and more coverage.