A St Cloud home warranty policy can help protect you by covering major repairs and replacements on your home's appliances and systems.
St Cloud gives homeowners some great housing options and the opportunity to enjoy the snow in the winter. However, those freezing temperatures can put quite a strain on your home's systems.
Finding the right home protection plan for your St Cloud home can be difficult, so our team at House Method did the research for you to help you find the best home warranty in St Cloud. Read on for our home warranty recommendations and find out which plan works best for your home.
Choosing the best provider for your home warranty is the first step toward protecting your house. When trying to figure out which home warranty company is the right 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
In St Cloud, Choice Home Warranty offers the best overall home warranty. 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 has 2 simple plans, making the selection process and policy coverage easily comprehensible.
Choice Home Warranty offers 2 plans for St Cloud homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read more by visiting our Choice Home Warranty 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
In St Cloud, Select Home Warranty is the most cost-effective home warranty. 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 home warranty provider offers 3 plans to policyholders, which have various options for appliance and system coverage.
Select Home Warranty has 3 plans that offer a mix of appliance and system coverage. Service fees from Select are a reasonable $60. The coverage caps are also around $2,000.
To get 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 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 St Cloud residents. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage.
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 of the 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 a more detailed breakdown, read 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
The Home Service Club offers the best home warranty with the quickest service for St Cloud residents. 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 home warranty provider offers 2 plans to policyholders, which have various options for appliance and system coverage.
There are 2 home warranty plans from The Home Service Club: 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 appliance or system.
For a more detailed breakdown, read our review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 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 St Cloud 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 home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty's service fees are an affordable $75, and the coverage limits come out to around $3,000 for each covered system or appliance.
For a more detailed breakdown, read our comprehensive 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 St Cloud residents. Cinch is a home warranty provider with 43 years of experience in the industry, and it has proved to be one of the best providers in the business. The 3 plans from Cinch are easy to understand and have a mix of both system and appliance coverage. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you'll want to have this plan on your side. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for St Cloud 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. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the St Cloud area.
Read more by visiting our review of Cinch Home Services. 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 St Cloud
A home warranty is a coverage plan that helps homeowners cut back on the high costs of appliance and systems repairs. Home warranties will provide coverage for a select number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty can make budgeting and managing your finances less stressful. Home warranty plans generally have a thirty-day waiting period from the time you purchase to the time they start.
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. After you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. The claim is then processed, and a homeowner will pay the predetermined service fee to schedule the repair . This repair will generally 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 will cover systems and appliances that have stopped working due to normal wear and tear. For example, if your dishwasher suddenly needs repairs under normal use conditions, you can call your home warranty provider. Appliances covered under a home warranty plan are usually the dryer, refrigerator, dishwasher, microwave, garbage disposal, and more. Systems that are covered usually include air conditioners, electrical systems, plumbing systems, water heaters, and heating systems. The add-on coverages can include spa, septic system, pool, roof leak, and sometimes even things like locksmith or pest control.
A home warranty will only cover normal wear and tear on your home systems and appliances. Things such as pre-existing conditions, misuse, lack of maintenance, and cosmetic damages are not included in the home warranty policy.
Since temperatures in St Cloud can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Purchasing a home warranty can help homeowners save money if one of these systems or appliances breaks all of a sudden.
Not only can a St Cloud home warranty save you some money on repairs and replacements, it saves you time too. Instead of having to vet contractors on your own, home warranty providers do the work for you and send a contractor from their network right to your door when you need them.
One drawback of a home warranty is that there are usually exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may not be included in the home warranty, so it's important to read over any contracts you're considering carefully to get a sense of what is included and what isn't. Another stipulation is that home warranties usually only cover malfunctions due to normal wear and tear. They often won't cover home systems or appliances that have stopped working due to improper maintenance, natural disasters, animal infestations, etc.
Whether or not a home warranty is worth it ultimately depends on your personal preference. Similar to any other kind of insurance policy or warranty, its purpose is to give you a sense of protection, so you will have to be the judge of how much that is worth to you.
A home warranty can save you thousands of dollars on home repairs and give you peace of mind as a homeowner in St Cloud. All of these top home warranty companies have impressive histories and backgrounds and coverage plans. Among them, Choice Home Warranty stands out as the best overall choice. Its comprehensive coverage, affordable pricing, and easy to understand policies make it a great home warranty for St Cloud homeowners.
The best home warranty company in St Cloud is Choice Home Warranty. Choice Home Warranty has a large network of experienced technicians and a respected reputation in the St Cloud area.
A home warranty is a of service contract that provides homeowners extra coverage for their household systems and appliances. These include refrigerators, dryers, garbage disposals, washing machines, dishwashers, plumbing, electrical systems, water heaters, heating and cooling systems, and sump pumps, among others. Some plans also provide coverage for garage door openers, roofs, pools, and ceiling fans. A home warranty can help you save money if these appliances and systems fail unexpectedly.
A home warranty protects against the normal wear of systems and appliances in a home. A homeowners insurance plan protects the entire home in a situation such as a natural disaster or fire. With a homeowners insurance plan, you will not be able to file a claim should you need a new dryer or oven, unless the damage is a result of a natural disaster.
Most home warranty companies have a 30-day waiting period before you can file claims, but some may allow you to file sooner so make sure you check with the company about this.
Home warranties will cover the cost of repairs and replacements if it is within the coverage limits of the plan. If the replacement will cost more than the home warranty covers, you will have to pay the rest out of pocket.
Owning a home can be expensive. When a system or appliance breaks down, it can leave homeowners with an unexpected large expense to fix it. With a home warranty plan, you won't have any large hits to your savings account for home maintenance.