6 Best Home Warranty Companies
in Winona, MN

by House Method Local Advisors - Updated December 8, 2022

When one of your systems or appliances breaks down, 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 stressed by homeownership.

Although homeownership in Winona has a lot of benefits, such as being surrounded by nature, there are also downsides, similar to owning a house anywhere else. One major hassle many homeowners have to deal with eventually is updating or repairing their appliances and home systems.

Because the home warranty market has many providers — all with different plans — the House Method team did the research for you to help you find the right home warranty in Winona.

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 Winona


When you're ready to sign up for a home warranty policy, the first step is figuring out what appliances and systems you need coverage for. From there, you can compare your options and contact different home warranty providers for a free quote. Here is a list of factors that you'll want to keep in mind when picking a home warranty provider:

Quick reference for home warranty companies in Winona

$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


By getting a home warranty policy in Winona, you can protect your bank account from large out-of-pocket expenses whenever systems and appliances break down. House Method's experts considered service guarantee, monthly costs and service fees, coverage, professional network, customer reviews, and more to rank the top providers. Here are how the top home warranty companies worked out in Winona:
  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

Choice Home Warranty is the best overall home warranty for Winona residents. Choice has 2 simple plans, making the selection process quick and easy. 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 has 2 plans that offer a mix of system and appliance coverage. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is lower than other providers in the Winona area.

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

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 offers the most cost-effective home warranty for Winona residents. Select has 3 simple plans, making the selection process quick and easy. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you'll want to have this plan on your side. Plus, it 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 associated with Select's plans are close to the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.

To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read our review of Select Home Warranty to learn more.

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 Winona, American Home Shield is the most customizable home warranty. AHS is a home warranty provider with 25 years of experience in the industry, and it has established itself as one of the best providers in the business. The 3 plans from AHS are comprehensive and offer both system and appliance coverage. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.

The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $75 to $125.

Read our review of American Home Shield 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

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

The Home Service Club is the best home warranty with the quickest service in Winona. The 2 policies that HSC has include options for appliance and system coverage. 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.

There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Winona area.

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

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 for Winona residents. Liberty offers 3 plans for you to choose from. With a home warranty from Liberty, you can enjoy 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 offers 3 plans for Winona homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. The coverage limits from Liberty are around $3,000. The service fees are an affordable $75, which is less than other providers in the Winona area.

For more information on this provider, read our review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, you can fill out this online form or call 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

Cinch Home Services offers the home warranty with the best workmanship guarantee in Winona. 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 easy.

Cinch Home Services has 3 plans that provide a mix of appliance and system coverage. The coverage caps associated with Cinch's plans are around the $1,000-$2,000 mark for most major systems and appliances, and service fees are customizable and range from $75 to $150.

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 Cinch Home Services Review.

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 Winona

AIR CONDITIONER
$5,810
HEATING
$3,873
ELECTRICAL
$581
TOILETS
$484
WASHER/DRYER
$775
PLUMBING
$581
OVEN/STOVE
$1,549
FRIDGE
$581

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 Winona

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What is a home warranty?

A home warranty is a protection plan that covers home systems and appliances. When your HVAC stops working and the repair costs several hundred dollars, a home warranty will ensure that you only have to pay a predetermined service fee. Home warranty coverage typically starts without an inspection and generally goes into place about thirty days after purchasing the policy.

Filing a claim with your home warranty company is simple. There will be either an online portal system or a direct phone number to file your claim with your home warranty company. At this point, you will pay your service fee, which is usually between $60 and $150 depending on what plan you opt for. After the service fee is paid, a service technician will come to your home, assess the issue, and make the repair. As long as the repair is covered under the warranty and it's within the coverage cap, most homeowners will not have any other out-of-pocket costs apart from the service fee.

What does a home warranty cover?

Home warranty plans help protect your home systems and appliances. A home warranty can cover repair and replacement-related expenses that are a result of normal wear . The appliances include a clothes dryer, microwave, cooktop, refrigerator, clothes washer, dishwasher, stove, and more. The systems included are the water heater, air conditioner, plumbing, electrical, heating system, and more. Add-on coverage options can vary by company but commonly include things like a plumbing stoppages, septic system, second refrigerator, central vacuum, and sprinkler system.

A Winona home warranty will only cover repairs and replacements due to normal wear and tear. If you are experiencing cosmetic issues with appliances or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, intentional breakages, pre-existing conditions, and natural disasters are not covered with a Winona home warranty.

Is a home warranty worth it in Winona?


Benefits of a home warranty

Home warranty policies are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Winona hitting upward of 53 degrees in the summer, you may find that certain appliances, such as your air conditioner, get a lot of use. A home warranty can considerably bring down your out-of-pocket expenses should your HVAC system break down.

A home warranty can also provide value in other ways. For example, some plans can be transferred to another owner when you sell your home.

Downsides of a home warranty

There are also some drawbacks to buying a home warranty policy, such as the coverage exclusions. For instance, home warranties may not cover systems or appliances that already have a manufacturer's warranty. 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.

Homeownership is a big responsibility that can be costly, 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 consider before purchasing a policy.

Final Thoughts

Hopefully, you now feel positive that you can choose a home warranty company in Winona after reading through our guide. 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. Choice Home Warranty provides home warranties with great coverage at an affordable cost.

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

Our pick for the best overall home warranty in Winona is Choice Home Warranty but the right company for you will vary based on factors like what appliances and systems you need to have covered.

Should I get a home warranty?

A home warranty policy can help real estate agents, homebuyers, investors, homeowners, and home sellers. It can provide peace of mind and savings to anyone that is involved with homeownership.

Can you use a home warranty immediately after buying it?

Most home warranty plans 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.

What kinds of things are generally covered under a home warranty in Winona?

The systems and appliances in a home are covered under a home warranty in Winona. Everything from a oven to a swimming pool can be covered under a home warranty.

Is a home warranty plan worth it?

Owning a home can be costly. When a system or appliance breaks down, it can leave homeowners with an unexpected large expense to fix it. With a home warranty in place, you won't have any large hits to your bank account for home maintenance.

Other Winona Home Services

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