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Minnesota
Few states put a furnace through more than Minnesota, where months of subzero temperatures make an HVAC failure a genuine emergency, not just an inconvenience. American Home Shield stands out with a $5,000 heating coverage limit, large enough to replace a full system. It also gets very positive reviews from Minnesota customers when it comes to claims handling, technician quality and speedy results.
Home warranty plans also cover the appliances Minnesotans use every day: dishwashers, garbage disposals and clothes dryers included. Coverage generally costs between $28 and $110 a month in Minnesota.
American Home Shield is our top choice for Minnesota homeowners because its higher heating-system limits can better match the realities of emergency winter repairs.
Jump to insightMinnesota homeowners pay $66.55 per month for coverage, on average. Annual premiums span $336 to $1,320 depending on the plan tier. Expect a service fee of $75 to $150 with each claim.
Jump to insightIn a state where a heating outage can become an urgent safety issue, prioritize plans with strong heating caps and clear coverage for freezing-related plumbing problems.
Jump to insightOur 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) | |
|---|---|---|---|---|---|
 American Home Shield | Get a Quote | 3.6
111,703 reviews
111,703 reviews
| Best overall | $29.99 | $100 or $125 |
 Choice Home Warranty | Get a Quote | 4.0
77,084 reviews
77,084 reviews
| Technicians | $49 | $75 to $100 |
 Cinch Home Services | Get a Quote | 4.1
12,552 reviews
12,552 reviews
| Quick service | $27.99 | $100 to $150 |
 HomeSafe | Learn More | 4.3
692 reviews
692 reviews
| Claims handling | $69 | $65 |
Learn more about our top picks for the best home warranty companies, based on real, recent reviews from customers in Minnesota on ConsumerAffairs.
Jump into our guides and start learning
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. Extreme cold, snow loads and freeze-thaw cycles drive frequent and expensive claims. We'll walk you through finding the right plan.
To 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, while 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.
Always review a sample contract 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.
Kyle from Hastings learned the hard way to always read the fine print: "I feel like there could be a bit more transparency about what is and isn't covered when one of your major appliances within your household ultimately needs either replaced or fixed."
Make sure you understand the waiting period before coverage kicks in, the process for making claims, any coverage caps and how to cancel. 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. Positive reviews typically mention fast claims and responsive service, while negative reviews may reveal denials or higher-than-expected out-of-pocket costs.
Look specifically for Minnesota reviews mentioning furnace failures and 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.” Despite the technician informing him that the unit should be replaced, his warranty provider instead chose to order new parts, causing more delays. “We are now on day 3 of no heat."
A home warranty in Minnesota costs $66.55 per month, on average. Home warranty premiums generally range from $28 to $110 per month, depending on the plan. The average cost of a home warranty in Minnesota is 1.6% lower than the national average.
We received quotes for each of our top picks in Minnesota for a three-bed, two-bath home in Minneapolis.
| Provider | Monthly premium range* | Service call fee |
 | $49.99 to $109.99 | $100 or $125 |
 | $49.17 to $57.50 | $75 to $100 |
 | $30.99.99 to $95.99 | $100 to $150 |
 | $69 to $79 | $65 |
| $49.99 to $109.99 | $100 or $125 |
| $49.17 to $57.50 | $75 to $100 |
| $30.99 to $95.99 | $100 to $150 |
| $69 to $79 | $65 |
*Data from July 2026
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
Key takeaway: Responsive claims and fair service fees can make a home warranty feel worth it
Key takeaway: Repairs may be slowed down by parts requirements, but you should still only have to pay one service fee, even if the repair requires two visits
Key takeaway: Long timelines and tech reassignments can stall simple claims
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.
No, most home warranties don’t cover freeze damage in Minnesota. Contracts may also exclude frozen pipes in unheated spaces or seasonal properties, even when the plan includes general plumbing coverage.
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.
Here's how we scored each company:
Note: Each superlative emphasizes certain factors more than others. For example, the "Best value" superlative weights cost at 20%, while "Best claims handling" gives more weight to reviews that mention the claims process and customer service.
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 |
|---|---|---|---|
|
American Home Shield
| 3.6
111,703 reviews
| Three home warranty plans in 48 states. Unavailable in Alaska or Hawaii. Plans start at $29.99/month with a $125 service fee. $5,000 coverage limit on HVAC; up to $2,000 or $4,000 on appliances. | Get a Quote |
|
Choice Home Warranty
| 4.0
77,084 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 |
|
Cinch Home Services
| 4.1
12,552 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 |
|
HomeSafe
| 4.3
692 reviews
| Customizes home warranty plans in most states. Plans start 25 days after signing. Offers ability to choose own licensed service technician. Can submit claims via phone or online. Does not cover roof leaks. | Read reviews |
Liberty Home Guard
| 4.6
1,880 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 |
ARW Home
| 4.4
2,948 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 |
Prestige Home Guard
| 4.2
10 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 |
Select Home Warranty
| 3.7
16,612 reviews
| Appliance, system and combination plans available. Plans start at around $60 a month. Roof coverage included for some plans. Special promotions include free extra months on your contract and annual pay discounts. | Get a Quote |
Regency Total Warranty
| 3.4
1,164 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 |
Global Home USA
| 3.2
14 reviews
| 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 |
Super
| 2.6
445 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 |
HomeServe
| 1.6
2,140 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 $4.99 a month. | Read reviews |
First Premier Home Warranty
| 1.7
686 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 |
America's Preferred Home Warranty
| 1.6
17 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 |
Sears Home Services
| 1.1
542 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 |
2-10 Home Buyers Warranty
| 1.1
6,809 reviews
| Offers simple home warranty plans. Pricing is about average. Plan choice is straightforward. Optional add-ons allow for plan customization. Plan agreements are easy to understand. Claims are handled by an online portal. | Read reviews |
GE Service Contracts
| 1.2
364 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 |
ServicePlus Home Warranty
| 1.2
1,976 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 |
Home Warranty of America
| 1.1
4,053 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 |
HSA Home Warranty
| 1.2
331 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 |
The Home Service Club
| 1.2
823 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 |
AFC Home Warranty
| 1.0
2,281 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 |
Home Warranty Inc
| 1.0
22 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 |
Frontdoor
| 1.0
30 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 |
American Home Protect
| 1.0
137 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 |
Complete Protection Home Warranty
| 1.0
View profile
| 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. | Read reviews |
Armadillo Home Warranties
| No reviews | Offers a variety of home warranty plans for homeowners and landlords. Plans start at $29.99 per month. Network of service providers in most ZIP codes. Offers add-on coverage items. Available in 50 states. | |
Everything Breaks Home Warranties
| 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. | |
Elite Home Warranty
| 1.1
110 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 |
