Based on feedback from verified reviewers, Cinch Home Services is the best home warranty company in Minnesota. American Home Shield is a strong option if you want good protection at a low cost, and Select Home Warranty is our pick for roof coverage.
Our research team vetted home warranty companies that are rated by hundreds of customers in Minnesota. Read our guide to choose the best home warranty in Minnesota for you by comparing plans, contract lengths and service fees.
Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us, but this does not affect our recommendations or evaluations.
| Company | Customer rating | Our pick for | Monthly starting cost | Service fee(s) | |
|---|---|---|---|---|---|
 Cinch Home Services | Get a Quote | 4.0
12,169 reviews
12,169 reviews
| Best overall | $38.99 | $100, $125 or $150 |
 American Home Shield | Get a Quote | 3.7
108,817 reviews
108,817 reviews
| Value | $29.99 | $100 or $125 |
 Select Home Warranty | Get a Quote | 3.7
15,946 reviews
15,946 reviews
| Roof coverage | $60.42 | $75 to $100 |
 Choice Home Warranty | Get a Quote | 4.0
72,866 reviews
72,866 reviews
| Quick service | $46.83 | $100 |
Learn more about our top picks for the best home warranty companies, based on real, recent reviews from customers in Minnesota on ConsumerAffairs.
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Minnesota's brutally cold winters and older housing stock create year-round repair challenges. Many Minnesota homes built in the mid-20th century have original heating systems, plumbing and electrical wiring. Plus, the extreme cold, snow and freeze-thaw cycles drive frequent and expensive claims. We'll walk you through finding the right plan.
Minnesota homeowners should prioritize heating, plumbing and water damage coverage. Winter emergencies are critical, and a furnace failure in January can be catastrophic.
Jump to insightMinnesota home warranty plans cost $35 to $90 per month on average.
Jump to insightHome warranties generally cover major household systems and appliances, with combo plans offering the broadest protection and highest payout limits.
Jump to insightTo choose a home warranty in Minnesota, start by identifying the specific coverage you need, then compare what each company offers by reviewing their plans, sample contracts and local customer feedback. Here’s how to find the best plan for your property:
Start by determining whether you need appliance coverage, major systems coverage or both. If your heating, plumbing and electrical systems are older but your appliances are newer, a systems-only plan is likely your best fit. For newer homes with updated systems, appliance-only plans might suffice. Combination plans give the most comprehensive protection.
Minnesota has many older homes with original heating and plumbing systems. If your home was built before 1980, prioritize systems coverage over appliances. Rural properties with wells or septic systems need specialized coverage. Newer suburban homes may focus more on appliance protection.
Don’t just look at the monthly fee — consider the total annual cost, including service fees, which typically range from $75 to $150 per claim. If you file multiple claims, these fees add up quickly. Compare the coverage limits, as some companies cap payouts per item or per contract. Assess the price of add-ons (like roof or sump pump coverage), as these can increase your yearly bill.
Minnesota home warranty costs may run higher than the national average due to extreme winter demands and older housing stock. Rural areas face higher costs due to greater technician distances.
Review sample contracts to see exactly what is and isn’t covered. Watch for exclusions related to preexisting conditions, cosmetic issues or improper installation. If you don’t read the exclusions beforehand, you can be hit with unexpected denials. Gong from Minneapolis told us, “Had a plumbing issue for a clogged drain, they denied my claim.”
Make sure you understand the waiting period before coverage kicks in, the process for making claims, any coverage caps and cancellation fees. Plus, pay close attention to freeze damage exclusions — frozen pipes are a major Minnesota claim. Verify that heating system coverage is robust and check whether wells and septic systems are covered or available as add-ons.
Customer reviews are essential for understanding how a company performs once you buy a plan. Focus on real-world feedback about claim approval speed, technician punctuality and whether billed costs matched expectations.
Look for Minnesota reviews mentioning furnace failures and winter response times. Pay attention to whether customers experienced delays during the peak winter months. Rural northern Minnesota often reports longer wait times than the Twin Cities.
However, David from Inver Grove, who isn’t too far from St. Paul, reported to us, “This week it was -15 to -30 degrees in MN and the furnace died. … We are now on day 3 of no heat.” You want to avoid any kind of delays during a major freeze.
Positive reviews typically mention fast claims and responsive service, while negative reviews may reveal denials or higher-than-expected out-of-pocket costs.
» MORE: How to buy a home warranty
Home warranty premiums cost $684 per year, on average, as of June 2025. In Minnesota, expect to pay anywhere from $360 up to $1,080 per year for annual premiums, depending on the level of coverage and add-ons you select.
| Company | Monthly premium range | Service call fee | |
|---|---|---|---|
Cinch Home Services | Get a Quote | $38.99 to $66.99 | $100, $125 or $150 |
American Home Shield | Get a Quote | $29.99 to $89.99 | $100 or $125 |
Select Home Warranty | Get a Quote | $60.42 to $63.75 | $75 to $100 |
Choice Home Warranty | Get a Quote | $46.83 to $54.75 | $100 |
You can pay for most home warranties by the month or upfront for the year. Annual payments often earn a discount, while monthly payments spread out your costs.
Every time you request a repair or service, you’ll pay a service call fee, which is similar to a deductible, and usually ranges from $75 to $150 per visit. The service call fee can vary based on your plan and location.
Many home warranty companies let you add extra coverage for items like pools, roof leaks or sump pumps. These add-ons usually cost an additional $2 to $25 per month, depending on what you select.
The final price you pay can depend on:
Example: total annual home warranty costs
- Comprehensive coverage ($62 per month): $744 per year
- Add-on for septic system coverage ($14 per month): $168 per year
- Four claims ($110 service fee): $440
- Total: $1,352 per year
Most home warranty plans in Minnesota fall into three categories: appliance plans, systems plans and combination (combo) plans.
Many providers allow you to customize your plan with add-ons. In Minnesota, consider add-ons for roof leak repair, sump pump coverage, well pump protection and septic system coverage if you're in a rural area.
» LEARN: What voids a home warranty
How much you’ll save depends on what repairs or replacements you need during your contract. A single covered breakdown could offset your annual cost.
The Consumer Financial Protection Bureau recommends setting aside 1% to 3% of your home’s value for annual maintenance and repairs, which is typically more than the $700 to $1,200 you’d spend for a home warranty and some service fees. Avoiding just one major repair can mean thousands saved.
Minnesota's extreme cold puts intense pressure on heating systems and creates freeze damage risks. Furnace failures, frozen pipes and roof collapses from snow load are the most common and costly claims. Here's what repairs typically cost in Minnesota without coverage.
| Item or system | Typical repair cost | Typical replacement cost | Included in basic coverage? |
|---|---|---|---|
| HVAC | $130 to $530 | $3,000 to $5,000+ | Yes |
| Plumbing | $150 to $800 | $1,500 to $4,000+ | Yes |
| Water heater | $200 to $1,000 | $800 to $1,700 | Yes |
A home warranty is a service contract that covers repairs and replacements for select home systems and appliances. You pay a monthly or annual fee for coverage, as well as a service fee for each repair visit. When something breaks, you submit a claim to your warranty company. It sends a qualified contractor to diagnose and fix the problem.
If the item can’t be repaired, the company helps cover the cost of a replacement. What’s covered and the limits will depend on your plan.
A home warranty can make financial sense if you want to avoid high out-of-pocket repair costs for major home systems or appliances. For many Minnesota homeowners, the peace of mind comes from knowing that a big furnace or plumbing breakdown during winter won’t turn into a huge bill.
A home warranty is especially worthwhile in Minnesota if you own a pre-1980 home or live in a rural area. A furnace failure in deep winter can exceed $4,000. Given extreme winters, most homeowners will file multiple significant claims annually.
Most home warranty contracts exclude preexisting issues, items installed incorrectly, cosmetic flaws and anything still under a manufacturer’s warranty. There are also coverage caps per item or per contract, so expensive repairs might not be fully paid for. Routine maintenance, landscape work and structural repairs like siding or windows are generally excluded.
Many Minnesota plans exclude freeze damage despite its frequency. Some won't cover pipes in unheated spaces or seasonal properties. Wells and septic systems are often excluded from standard plans. Rural customers should verify coverage carefully.
Yes, in many cases, home warranties are transferable. If you list your home and offer active warranty coverage, it can actually be a selling point.
No, home warranties usually don’t cover foundation repair. Most home warranties don’t include coverage for the structure of your home at all.
That being said, a home warranty may cover items that can lead to foundation issues in the future, like plumbing problems.
The ConsumerAffairs Research Team used a data-backed process informed by expert editorial judgment and verified customer reviews. We started with home warranty companies available in Minnesota, then evaluated which performed best for local residents.
We prioritized real customer experiences in Minnesota but also considered national reviews. Our review evaluation focused on seven satisfaction drivers:
In addition to reviews, we compared the companies on:
ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this guide include:
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| Company | Customer rating | About | Learn More |
|---|---|---|---|
 | 5.0
6 reviews
| Home warranty plans starting at $29.99/month with $100 service fee. Available throughout the U.S. Fast claims processing. Contractor network to complete repairs. $5,000 coverage limit on most items. | Read reviews |
 | 4.3
1,334 reviews
| Coverage starts at $1 a day. Customizable plans. Extensive technician network. Additional property discounts. Set per-claim fees. 60-day workmanship guarantee. Offers month-to-month coverage and longer-term plans. | Get a Quote |
| 4.0
12,169 reviews
| Offers system, appliance and combination home warranty plans. Service fees start at $100. Monthly fees range from $34.99 to $61.99. All work backed by a 180-day guarantee. Not available in all states. | Get a Quote |
 | 4.2
454 reviews
| Customizes home warranty plans in most states. Plans start 20 days after signing. Offers ability to choose own licensed service technician. Can submit claims via phone or online. Does not cover roof leaks. | Get a Quote |
 | 4.1
984 reviews
| Multiple home warranty plans. Coverage for home systems and appliances. Optional add-on coverage. Online and phone claim filing. Pricing starts at $39.99 per month. Discounted rate for annual payment. Available nationwide. | Read reviews |
 | 4.2
2,747 reviews
| Flexible and affordable plans for home systems and appliances. Add-on coverage for water/sewer and electronics. 15,000+ local licensed technicians serve nationwide. File a claim and request service 24/7/365 online or by phone. | Get a Quote |
| 4.0
72,866 reviews
| Offers two plans with basic or comprehensive coverage. Plans start at $46.67 per month with an $85 service call fee. Optional coverage for limited roof leaks, pools and spas available. Make a claim online 24/7. | Get a Quote |
| 3.7
108,817 reviews
| Three home warranty plans in 48 states. Unavailable in Alaska or Hawaii. Plans start at $29.99/month with a $125 service fee. No coverage limits on systems; up to $6,000 on appliances. | Get a Quote |
| 3.7
15,946 reviews
| Appliance, system and combination plans available. Plans start at around $45 a month. Roof coverage included for some plans. Special promotions include free extra months on your contract and annual pay discounts. | Get a Quote |
 | 2.0
132 reviews
| Offers one base plan with coverage for appliances and systems. Additional coverage options available. Three-year contract. Typical $36 to $65 service fee. Unlimited claims for covered repairs. No online claim portal. | Read reviews |
 | 1.9
619 reviews
| Provides appliance and systems warranty coverage. Available throughout the U.S. Customizable plans. Submit claims online or by phone anytime. Technicians arrive in 24 to 48 hours. Portable warranty plans. | Get a Quote |
 | 1.5
2,027 reviews
| A la carte options for customized coverage. Local, licensed technicians complete repairs. Guarantees repairs for one year. 24/7 claims hotline. Appliance coverage is available. Plans start at $7.99 a month. | Read reviews |
 | 1.3
324 reviews
| Offers in-home service for repairs of qualifying appliances. The Service Protection Advantage plan, which provides extended warranties for any GE appliances, is provided through Assurant, Inc. | Read reviews |
 | 1.4
12 reviews
| Serves all of the United States except California. Offers 24/7 365 access to customer service. Service calls have a $50 or $100 deductible. Options to choose a local contractor or technician. | Read reviews |
 | 1.1
345 reviews
| Technicians have an average of 10 years of experience. Available in all 50 states. 25% discount on noncovered appliances and HVAC repairs. Covers systems and appliances regardless of age, make or model. 30-day wait for repairs. | Read reviews |
 | 1.1
109 reviews
| Three base home warranty plans for appliances and systems. 12-month contract term. Licensed and insured technicians. 30-day waiting period before coverage starts. Older appliances covered. 90-day workmanship warranty. | Read reviews |
 | 1.1
4,022 reviews
| Offers two combination plans that cover more than 20 systems and appliances. Pricing starts at $48.33 with deductibles of $75 and $100. Drywall, doorbell and burglar and fire alarms are included in coverage. | Read reviews |
 | 1.1
1,942 reviews
| Offers two plans covering select systems and appliances. Costs start at $87.42, with a standard service call fee of $75. Coverage options vary by location. Add-on coverage is also available. | Read reviews |
 | 1.1
6,702 reviews
| Provides coverage for major systems and appliances. Premiums range from around $19 to $50 per month with an $85 to $125 deductible. Kitchen-only plan and roof leak coverage available. Offers structural warranties for new homes. | Read reviews |
 | 1.2
310 reviews
| Basic coverage includes systems and appliances with monthly costs averaging about $40 per month. Select 7-Star Upgrade coverage or optional add-ons to customize your coverage. Deductibles range between $75 and $100. | Read reviews |
 | 1.0
426 reviews
| Offers coverage for both repairs and maintenance. Three levels of service range in cost from $47 per month to $107 per month. Covers major appliances, systems and maintenance for lawn, cleaning, pest control and more. | Read reviews |
 | 1.0
815 reviews
| Choose from two plans to cover systems and appliances. Available add-ons include roof coverage. Premiums vary by state, but expect to pay about $50 per month for standard coverage, with deductibles from $65 to $125. | Read reviews |
 | 1.2
23 reviews
| Free app offers one live chat session with experts. Free how-to maintenance articles available. Frontdoor Basic, Prime and Premium membership plans. App available nationwide. Frontdoor Premium plan available in select locations. | Read reviews |
 | 1.0
2,271 reviews
| Available in 47 states and Washington, D.C. Guarantees repairs for duration of contract. Covers up to 18 systems and appliances, including electronics like smartphones. Low coverage caps on some systems and appliances. | Read reviews |
 | 1.0
384 reviews
| Offers home warranty packages for basic appliances and major systems. Pay around $50 a month for a combo plan and $75 per service visit. 90-day guarantee on parts and 30-day guarantee for labor. | Read reviews |
 | 1.0
17 reviews
| Serves all of the United States except California, Oregon, Washington, Arizona and New York. $100 deductible on most plans. In-house or local technician options. 24/7 live claim support and four-hour response times. | Read reviews |
 | 1.0
View profile
| Home warranty company based in Addison, Texas. Offers three home warranty plans that real estate agents can purchase for their clients. Provides coverage for all states except Alaska, California, Washington and Wyoming. | Read reviews |
 | 1.0
View profile
| Home warranty company offering three warranty plan options. Additional coverage options available at an additional cost. 24/7 customer service and claim support. Free service transfer available. | Read reviews |
 | No reviews | Offers a variety of home warranty plans for homeowners and landlords. Plans start at $39.99 per month. Network of service providers in most ZIP codes. Offers add-on coverage items. Available in 50 states. | |
 | No reviews | Customizable home warranty plans. Four warranty plans. Pricing ranges from $49 to $79 per month. Covers appliances and home systems. 24/7 customer support. Online customer portal with claim filing. No deductible. | |
 | No reviews | Monthly and annual home system, appliance and electronics plans. Five tiers of home warranty coverage. Option for individual appliance coverage. 31-day waiting period before coverage starts. |
