6 Best Home Warranty Companies
in White Bear Lake, MN

by House Method Local Advisors - Updated December 8, 2022

When one of your systems or appliances malfunctions, a home warranty will help you cover the costs. Having a home warranty in place can give homeowners the peace of mind they need to feel less anxious about homeownership.

White Bear Lake is a city that has so much culture, things to do, and some great homes. Homeownership in White Bear Lake has many good things associated with it, but some downsides come along with it too. For one, ensuring that your home's systems and appliances get the repairs they need can make White Bear Lake homeownership quite tricky.

Although a home warranty can help with your expenses as a homeowner, one pain point is narrowing down the perfect choice for your White Bear Lake home. That's why we've done the research and have made a guide of the best home warranty plans in White Bear Lake.

Best Overall
  • Over 10 years of experience
  • 24/7 customer service team
  • Home inspections aren’t required
4.8
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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
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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
4.7
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Choosing a home warranty company in White Bear Lake


Selecting the best home warranty in White Bear Lake for you and your family depends on the coverage you want, the home warranty provider you opt for, and where you live, among other factors. Before deciding which home warranty to purchase, here are a few other factors to consider:

Quick reference for home warranty companies in White Bear Lake

$45.00 - $53.33/month
15 years in business
$57.67 - $62.08/month
11 years in business
$29.27 - $74.27/month
26 years in business
$50.40 - $62.90/month
15 years in business
$69.99 - $79.99/month
6 years in business
$34.99 - $67.99/month
44 years in business

Home Warranty Company and Plan Details


If you're a homeowner in White Bear Lake, you have access to many of the top home warranty providers in the nation. House Method's team compared service fee, add-on options, customer service, coverage caps, plan options, the pricing, the number of years in business, and more to find the top home warranty in White Bear Lake. Here are how the top home warranty companies ranked in White Bear Lake:
  1. Choice Home Warranty - Best Overall
  2. Select Home Warranty - Most Affordable
  3. American Home Shield - Best Customizable Plans
  4. The Home Service Club - Quickest Service
  5. Liberty Home Guard - Most Trustworthy
  6. Cinch Home Services - Best Workmanship Guarantee

Choice Home Warranty

4.85

Best Overall

Choice Home Warranty logo
MONTHLY COST $45.00 - $53.33
YEARS IN BUSINESS 15

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 White Bear Lake, 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. The 2 policies that Choice has include differing levels of system and appliance coverage, as well as add-on options.

The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the White Bear Lake area.

To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read our Choice Home Warranty full review to learn more.

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

Select Home Warranty logo
MONTHLY COST $57.67 - $62.08
YEARS IN BUSINESS 11

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 for White Bear Lake residents. 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 are comprehensive and offer both system and appliance coverage.

There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also generally about $2,000.

To read more, visit our Select Home Warranty Review. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 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

American Home Shield logo
MONTHLY COST $29.27 - $74.27
YEARS IN BUSINESS 26

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

In White Bear Lake, American Home Shield offers the most customizable home warranty. The 3 policies that AHS has include options for appliance and system coverage. 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.

There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically around $2,500.

For a more detailed breakdown, read our thorough review of American Home Shield. To get a free quote from American Home Shield, you can fill out this online form or call 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

The Home Service Club logo
MONTHLY COST $50.40 - $62.90
YEARS IN BUSINESS 15

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 White Bear Lake, The Home Service Club offers the best home warranty with the quickest service. With a home warranty from HSC, you can enjoy 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. HSC has 2 plans for you to choose from.

The 2 plans from The Home Service Club are 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 for each covered appliance or system.

To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read our The Home Service Club Review to learn more.

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

Liberty Home Guard logo
MONTHLY COST $69.99 - $79.99
YEARS IN BUSINESS 6

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 White Bear Lake. Liberty has 3 simple plans, making the selection process quick and easy. 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 plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps from Liberty are around $3,000. The service fees are an affordable $75, which is lower than other providers in the White Bear Lake area.

Read more by visiting our review of Liberty Home Guard. To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281.

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

Cinch Home Services logo
MONTHLY COST $34.99 - $67.99
YEARS IN BUSINESS 44

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 White Bear Lake, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has over 43 years of experience in the industry and in that time has built a impressive network of service professionals nationwide. 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. Cinch has 3 simple plans, making the selection process quick and easy.

Cinch Home Services has 3 plans that offer a combination of system and appliance coverage. The coverage limits 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 White Bear Lake area.

To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read more by visiting 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 White Bear Lake

AIR CONDITIONER
$6,387
HEATING
$4,258
ELECTRICAL
$639
TOILETS
$532
WASHER/DRYER
$852
PLUMBING
$639
OVEN/STOVE
$1,703
FRIDGE
$639

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?

Get a free quote from our #1 recommended provider in White Bear Lake

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What is a home warranty?

A home warranty is a 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 White Bear Lake home comfortable and convenient. When these things need repairs, it can be expensive and a hassle. Fortunately, with a home warranty in place, an affordable repair is just a phone call away.

When you have a system or appliance that experiences a problem, you file a claim with your home warranty provider. You can do so in an online portal or by telephone, and then a repair technician will come and fix the problem. Once you file the claim, it will be assigned to a local technician that will come to your home and repair the problem. At this point, you pay the service fee. Service fees usually range in price from around $60 to $150 and this is the only out-of-pocket expense you will need to pay unless the repair cost is higher than your home warranty's coverage limit.

What does a home warranty cover?

A home warranty will cover your home's systems and appliances from normal wear and tear. The appliances that are typically covered under a home warranty plan include dishwasher, clothes washer, refrigerator, clothes dryer, microwave, garbage disposal, and more. The systems usually included are hot water heaters, air conditioners, ductwork, plumbing systems, and electrical systems. Add-on coverage will vary from plan to plan, but you can expect to see add-ons such as central vacuums, electronics, pools, spas, sump pumps, and roof leaks.

An important thing to note is that home warranties only protect against normal wear and tear that occurs on your home systems and appliances. Things such as lack of maintenance, misuse, cosmetic damages, and pre-existing conditions are not included in the home warranty policy.

Is a home warranty worth it in White Bear Lake?


Benefits of a home warranty

White Bear Lake's frigid winters can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty can cover your home's appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the repairs, preventing you from spending unexpected money out of pocket.

In addition, though home warranty companies vary, some providers will allow you to transfer your warranty in the event that you sell your home. This can make your property more attractive to potential home buyers and help your home sell faster.

Downsides of a home warranty

As for the negatives of home warranties, home system and appliance coverage varies by provider so it's important to understand what each policy covers and excludes in the contract. Another thing to take into consideration is that some companies don't cover pre-existing conditions and may require an inspection before your coverage can begin. Ask the home warranty company for clarification about it if you need more information or if this is a problem for you.

Homeownership 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 whether or not it's worth it for you is something you'll have to weigh before purchasing a policy.

Final Thoughts

We hope you now feel confident that you can choose a home warranty provider in White Bear Lake after reading through our reviews. Choice Home Warranty is the best overall home warranty provider in White Bear Lake. With its comprehensive coverage, affordable cost, and a good history in the industry, Choice Home Warranty has a lot to offer.

Best Overall
  • Over 10 years of experience
  • 24/7 customer service team
  • Home inspections aren’t required
4.8
GET QUOTE
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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
Fast Online 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
4.7
GET QUOTE
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Home Warranty FAQs


What's the best home warranty company?

The best home warranty provider in White Bear Lake is Choice Home Warranty. Choice Home Warranty has a large network of professional technicians and a respected reputation in the White Bear Lake area.

How is a home warranty different from homeowners insurance?

Home warranties cover problems related to home systems and appliances that need repairs or replacements due to normal wear and tear. The homeowner's insurance policy is a larger insurance that protects one's entire home from situations like natural disasters and fires. It doesn't cover normal appliance or system damage.

What types of things are generally covered under a home warranty in White Bear Lake?

The systems and appliances in a home are covered under a home warranty in White Bear Lake. Everything from a fridge to a pool can be covered under a home warranty.

Does a home warranty cover all repair and replacement costs?

Most home warranties are going to cover replacement costs as well as repair costs. How much the coverage cap is varies from one plan to the next. Your home warranty will give you some money towards a replacement but the entire replacement may not be paid for.

Is a home warranty policy worth it?

Homeownership can be expensive. When a system or appliance breaks down, it can leave homeowners unexpectedly having pay a large amount of money to fix it. With a home warranty policy, you won't have any large hits to your bank account .

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