A home warranty in Victoria can help bring down your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.
With frigid winters, working home appliances and systems, particularly HVAC, are very important for homeowners in the Victoria area of Minnesota.
Since the home warranty market is saturated with many providers — all with different plans — our team at House Method decided to do the research for you to help you find the best home warranty in Victoria.
After looking into home warranties in Victoria, the next step is to figure out which company you're interested in getting a free quote from. Before making your final decision, here are a few additional factors to keep 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 Victoria, Choice Home Warranty offers the best overall home warranty. The 2 plans from Choice are comprehensive and have a mix of both system and appliance coverage. 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 Home Warranty offers 2 plans for Victoria homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Choice's service fees are an affordable $85, and the coverage caps come out to about $3,000 for each covered appliance or system.
For more information, read our comprehensive review of Choice Home Warranty. To receive 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 Victoria, Select Home Warranty offers the most cost-effective home warranty. Select has 3 plans for you to decide between. When you purchase a plan from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty offers 3 plans for Victoria homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is lower than other providers in the Victoria area.
For more information on this provider, read our review of Select Home Warranty. To receive a free quote from Select Home Warranty, 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 offers the most customizable home warranty for Victoria residents. AHS has 3 simple plans, making the selection process easy. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, you'll want to have this plan on your side. Plus, it 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. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally around $2,500.
Read our detailed review of American Home Shield to learn more. To receive a free quote from American Home Shield, fill out this online form or call 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 is the best home warranty with the quickest service in Victoria. HSC has 2 simple plans, making the selection process easy. 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 plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC's service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 per covered system or appliance.
For a more detailed breakdown, read our review of The Home Service Club. 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 offers the most trustworthy home warranty for Victoria residents. The 3 plans from Liberty are comprehensive and offer both system and appliance coverage. 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.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty's plans are close to the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For a more detailed breakdown, read our Liberty Home Guard Review.
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 for Victoria residents. Cinch has been in business for around 43 years, making it a highly regarded company in the industry. 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 you to decide between.
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 many major systems and appliances, and service fees are customizable and range from $75 to $150.
For more information, read our Cinch Home Services Review. To receive a free quote from Cinch Home Services, fill out this online form or call 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 Victoria
A home warranty is a coverage plan that helps homeowners account for the high costs of appliance and systems repairs. Home warranties will cover 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 easier. Home warranty plans usually have a thirty-day waiting period from the time you purchase to the time you can start using it.
When you have a system or appliance that has an issue, you file a claim with your service 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 repair technician takes a look at the issue, they will take care of it at no cost to you. The only time a Victoria homeowner may have to pay out-of-pocket costs is if the repair or replacement is higher than the item's coverage cap.
A home warranty plan provides coverage on your home's major appliances and systems and it can help lower the cost of maintaining your home. Typical appliances covered under a home warranty include a microwave, dryer, washer, refrigerator, garbage disposal, dishwasher, and more. The systems that are most commonly covered will be electrical systems, air conditioners, plumbing systems, hot water heaters, and heating systems. You can also optionally decide to pay extra for add-on coverage for items such as spas, septic systems, swimming pools, and roof warranty.
An important thing to note is that home warranties only cover normal wear and tear that occurs on your home systems and appliances. Things like pre-existing conditions, misuse, lack of maintenance, and cosmetic damages are not included in the home warranty policy.
Victoria's frigid winters can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty will cover your home's appliances and systems if they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the needed repairs, preventing you from spending a lot of money out of pocket.
Additionally, having a home warranty can save you some time by getting rid of the need to research repair people--most companies will send a trusted professional right to your door to do the necessary repair or replacement.
As for the disadvantages of home warranties, coverage varies by company so it's important to read what each policy covers and doesn't include in the contract. Another thing to take into consideration is that some companies don't cover pre-existing damage and may require an inspection before coverage begins. Ask the home warranty provider for clarification about these things if you need more information or if this is an issue for you.
Homeownership is a big responsibility that can be expensive, but valuable. A home warranty is one thing that can help with your home maintenance budget, but whether or not it's worth it for you is something you'll have to consider before taking the leap and purchasing a policy.
A home warranty can save you several thousands of dollars on home repairs and offer you peace of mind as a homeowner. All of these top providers have impressive experience in the industry and coverage plans. Among them, Choice Home Warranty stands out as the best overall choice. Its comprehensive coverage, fair pricing, and easy to understand plans make it a great home warranty for Victoria homeowners.
The best overall home warranty company in Victoria is Choice Home Warranty but the best company for you will vary based on factors like what appliances and systems you need to have covered.
A home warranty is a contract that covers repairing and replacing major home systems and appliances.
First-time home buyers, homeowners, landlords, real estate agents, and home sellers can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save homeowners money in the long run.
Most home warranty policies have a 30-day waiting period before you can file claims, but some may allow you to file sooner so be sure to check with the company about this.
Home warranties cover the cost of repairs and replacements if it is within the policy limits of the plan. If the replacement will cost more than the home warranty plan covers, you will have to pay the rest out of pocket.
A Victoria home warranty can cost between $40 and $80 a month. The higher-priced plans typically have more coverage, a lower service fee, and higher coverage limits.