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Best Home Warranties in Minnesota

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    Written by Taylor Sansano
    Edited by Vincent Landino

    Our research team vetted 15 home warranty companies that are rated by more than 243 customers in Minnesota. Read our guide to choose the best home warranty in Minnesota for you by comparing plans, contract lengths and service fees.

    Why trust ConsumerAffairs?
    • Our recommendations are based on what reviewers say.
    • 4,114,109 reviews on ConsumerAffairs are verified.
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    • Our moderators read all reviews to verify quality and helpfulness.

    Key Insights

    • Our top picks include American Home Shield, Select Home Warranty, America’s 1st Choice Home Club and HomeServe.
    • To find the best home warranty in Minnesota for you, try to get plumbing and heating coverage, and if you live on a river or lake, consider covering your electronics.
    • A home warranty in Minnesota typically costs roughly $45 to $75 per month without discounts or add-ons.

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      Our 4 Minnesota home warranty picks

      Here are our favorite home warranty companies in Minnesota, based on local reviews:

      Methodology

      To select our top picks, we started with the home warranty companies available in Minnesota on our site and eliminated those with a star rating below 3.5. To stay on the list, companies also had to have at least a 2:1 ratio of 5-star to 1-star reviews from consumers in Minnesota, based on verified review data collected between Oct. 12, 2020, and Oct. 12, 2021. Final selections were made based on the strength of each company’s review data.

      Our top pick overall American Home Shield AUTHORIZED PARTNER
      • Number of plans: 3
      • Contract length: 1 year
      • Service fee range: $75, $100 or $125

      American Home Shield has more than 2 million members nationwide, and it provides coverage for up to 23 home systems and appliances. AHS covers products of all ages and conditions, and all repairs are backed by a 30-day workmanship guarantee.

      We’ve compared this company’s plans based on select coverage items below.

      ShieldSilverShieldGoldShieldPlatinum
      Monthly premium cost*$44.83 to $59.83$54.83 to $69.83$74.83 to $89.83
      Service call fee*$75, $100 or $125$75, $100 or $125$75, $100 or $125
      Built-in microwaves
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      Plumbing
      Water heaters
      PoolsAdd-onAdd-onAdd-on
      Roof leak repairsAdd-onAdd-on
      Second refrigerator
      Septic pumpAdd-onAdd-onAdd-on
      Stand-alone freezer
      Well pumpAdd-onAdd-onAdd-on
      ShieldSilver$44.83 to $59.83$75, $100 or $125Add-onAdd-onAdd-onAdd-on
      ShieldGold$54.83 to $69.83$75, $100 or $125Add-onAdd-onAdd-onAdd-on
      ShieldPlatinum$74.83 to $89.83$75, $100 or $125Add-onAdd-onAdd-on

      *For a home in Minnesota at the time of publishing

      American Home Shield has by far the strongest reviews in Minnesota of any company we analyzed. It has both the highest number of 5-star reviews in the state and the best ratio of 5-star reviews to 1-star reviews in our local data. Callie from Plymouth wrote in a review that “American Home Shield has been fantastic. I like them a lot. I tell everyone who ask me about buying a house that American Home Shield is for the warranty every time. My sister bought a house and I told her. One of my neighbors from childhood bought a house and I told them too.”

      Kris from Saint Paul has also had good experiences, writing, “When we first bought the house, the air conditioning quit working immediately. American Home Shield sent somebody out and the techs fixed it. Recently, I had an old pipe that was leaking. The plumber fixed it really quickly. Compare how much AHS costs a month and per service call to what it would cost you to call a repairman.”

      Our pick for low service fees Select Home Warranty AUTHORIZED PARTNER
      • Number of plans: 3
      • Contract length: 1 year
      • Service fee range: Typically $60 to $75

      Select Home Warranty offers home warranty policies for multiple types of homes in Minnesota, including rental properties, condos and mobile homes. All plans include an unlimited number of covered repairs as long as your appliances are properly maintained.

      We’ve compared this company’s plans based on select coverage items below.

      Bronze CareGold CarePlatinum Care
      Monthly premium cost*$60.42$60.42$65.83
      Service call fee*Typically $60 to $75Typically $60 to $75Typically $60 to $75
      Built-in microwaves
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      Plumbing
      Water heaters
      PoolsAdd-onAdd-onAdd-on
      Roof leak repairsAdd-onAdd-onAdd-on
      Second refrigerator
      Septic pumpAdd-onAdd-onAdd-on
      Stand-alone freezerAdd-onAdd-onAdd-on
      Well pumpAdd-onAdd-onAdd-on
      Bronze Care$60.42Typically $60 to $75Add-onAdd-onAdd-onAdd-onAdd-on
      Gold Care$60.42Typically $60 to $75Add-onAdd-onAdd-onAdd-onAdd-on
      Platinum Care$65.83Typically $60 to $75Add-onAdd-onAdd-onAdd-onAdd-on

      *For a home in Minnesota at the time of publishing

      Local reviews for Select Home Warranty are positive, and reviewers from Minnesota frequently mention the company’s overall affordability and discounts.

      Katie from Monticello wrote, “They have a fantastic value especially if you can pay for a year. I would give them a call and see if they can meet your needs. I have almost everything in my house covered for a great value.”

      “Was provided multiple discounts and reassured that I would be ... provided better customer service than my past Home Warranty Company,” wrote Maureen from Harris. “If all Representatives of this company are like Noah then I am off to feeling good about my choice of having coverage with this company.”

      Our pick for long-term contracts America's 1st Choice Home Club AUTHORIZED PARTNER
      • Number of plans: 4
      • Contract length: 1 or 3 years
      • Service fee range: $75, $100 or $125

      America’s 1st Choice Home Club sells four plans in Minnesota, covering up to 24 home appliances and systems. In addition to warranty service, you receive access to additional benefits, like credit monitoring.

      All prices are locked in once you sign your contract, so there are no price hikes over the years. You can avoid the waiting period by completing a home inspection, and all repairs are guaranteed for the lifetime of the plan.

      We’ve compared this company’s plans based on select coverage items below. The prices we’ve included are for a 12-month payment plan over one year of coverage. With a three-year contract, monthly rates are higher, but that’s because the payment term (20 months) is much shorter relative to the coverage term (36 months).

      Systems PlanSilver PlanGold PlanPlatinum Plan
      Monthly premium cost*$42.50 to $47.50$35 to $40$50 to $55$55 to $60
      Service call fee*$75, $100 or $125$75, $100 or $125$75, $100 or $125$75, $100 or $125
      Built-in microwavesAdd-onAdd-onAdd-on
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      Plumbing
      Water heaters
      PoolsAdd-onAdd-onAdd-onAdd-on
      Roof leak repairs
      Second refrigerator
      Septic pumpAdd-onAdd-onAdd-onAdd-on
      Stand-alone freezerAdd-onAdd-onAdd-onAdd-on
      Well pumpAdd-onAdd-onAdd-onAdd-on
      Systems Plan$42.50 to $47.50$75, $100 or $125Add-onAdd-onAdd-onAdd-onAdd-on
      Silver Plan$35 to $40$75, $100 or $125Add-onAdd-onAdd-onAdd-onAdd-on
      Gold Plan$50 to $55$75, $100 or $125Add-onAdd-onAdd-onAdd-onAdd-on
      Platinum Plan$55 to $60$75, $100 or $125Add-onAdd-onAdd-onAdd-on

      *For a home in Minnesota at the time of publishing

      AFC reviewers in Minnesota appreciate the company’s convenience and ease of use.

      “Called in a claim over holiday weekend. They gave me flexibility to hire my own licensed repairman or have them dispatch. Tuesday morning, my repairmen showed up. Called in the diagnosis and all done, approved and paid out fine. Really is pleasant when the warranty company helps you get the best results,” wrote Brian from Forest Lake.

      Stephen from Saint Paul bought his home warranty as a way to help sell his home, but he still appreciated AFC’s process, writing, “Great price - easy to use website - I compared several services and your company offered a better coverage of items in the house at a more affordable cost. I will definitely consider using your company for my next home sales.”

      Our pick for specialty plans HomeServe AUTHORIZED PARTNER
      • Number of plans: 7*
      • Contract length: 1 year
      • Service fee range: Varies

      HomeServe offers home warranty plans that cover a variety of appliances and systems. Its approach is relatively unique in that it offers more plans than most home warranty companies. Repairs are completed by licensed, insured technicians and backed by a one-year guarantee.

      We’ve compared this company’s plans based on select coverage items below. While HomeServe offers plans in Minnesota, offerings vary by area, and coverage isn’t consistently available in some of the state’s biggest cities.

      We were able to find plans in one Minneapolis ZIP code (55403), but those were limited offerings in conjunction with Great Plains Natural Gas Company. To find plans comparable to those of our other top picks, we had to look for offerings in an area of Saint Paul (55145). The plans in the table below are a sample of HomeServe’s offerings in that ZIP code.

      Interior Plumbing and Drainage System CoverageHome Plumbing and Drainage CoverageTotalHome Warranty Appliances
      Monthly premium cost*$18.99$21.98$48.33
      Service call fee*$0 (2 calls per year)$0 (2 calls per year)$100
      Built-in microwaves
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      PlumbingInterior only
      Water heaters
      Pools
      Roof leak repairs
      Second refrigerator
      Septic pump
      Stand-alone freezer
      Well pump
      Interior Plumbing and Drainage System Coverage$18.99$0 (2 calls per year)Interior only
      Home Plumbing and Drainage Coverage$21.98$0 (2 calls per year)
      TotalHome Warranty Appliances$48.33$100

      *For a home in Saint Paul at the time of publishing

      In addition to more comprehensive plans, HomeServe also offers specialty plans with targeted coverage for plumbing and heating systems. Reviews for HomeServe in Minnesota are positive, mentioning satisfaction with the company’s handling of plumbing issues.

      Linda from Mounds View wrote that “HomeServe is well worth the money. We've had to use them twice for the sewer backup and both times, they were very good. They were very quick in getting back to us. I called them up recently and they set me up. Within 15 minutes, I got a call saying their contractor would be out between 9:00 and noon. The guy called 10 minutes later and said he'd be here in half hour, and he was.”

      Mary from Roseville also had plumbing issues that HomeServe fixed: “Plugged kitchen sink and 4 leaks in the kitchen pipes. The Leaks which came from the pipes under the sink and also the drains from each sink. I have no idea as to how long it was dripping.”

      How to choose a home warranty program in Minnesota

      saint paul minnesota skyline

      Minnesota offers a few unique issues for homeowners, but home warranties may help you shoulder the costs.

      As the Land of 10,000 Lakes, homes in Minnesota can be exposed to high levels of humidity that can impact electrical systems and appliances, causing them to break down faster. If you live on the 183,326 miles of shoreline in Minnesota, you’ll want to consider coverage for your wiring and appliances in case of a breakdown.

      On top of that, the long, intense winters in Minnesota can strain heating systems when they’re needed most. As you’re choosing a home warranty plan, make sure your coverage includes whatever heating system your home has and read reviews to see how fast your warranty company is at sending technicians.

      It’s important to read your contract to see how much the company will actually pay towards your heater, too. Some companies cap their payments at a number that may not cover the entire cost of replacing or repairing your heating system.

      Home warranty regulations in Minnesota

      To help protect consumers, Minnesota has some rules and regulations regarding home warranties. These range from giving you the right to cancel within 20 days of signing a contract to requiring warranty companies to meet certain financial requirements. However, Minnesota doesn’t have as many consumer protections related to home warranties as some other states.

      Service contracts in Minnesota are regulated by the Minnesota Department of Commerce. If you want to file a grievance against a home warranty company or check its license status, you can do so on the Department of Commerce’s website.

      Regulations for new construction

      Minnesota also has some regulations in place that may affect you if your home was recently built.

      Minnesota law requires builders to offer what’s called a “1-2-10 Warranty” on new construction. This type of warranty covers different parts of your home against defects caused by failure to comply with the State Building Code:

      • For one year, your home is covered against defects caused by faulty workmanship or materials.
      • For two years, your home is covered against defects caused by improper installation of electrical, heating, cooling or plumbing systems.
      • For 10 years, your home is covered against “major construction defects,” like faults in a load-bearing wall.

      This could make a home warranty less useful on new construction, but it’s worth mentioning that these warranties have somewhat limited coverage.

      They don’t cover appliances, like refrigerators or dishwashers, and outside of the first year, major home systems are only covered if a bad installation caused the problem. So, you may want to consider an additional home warranty.

      Minnesota home warranty FAQ

      How much does a home warranty cost in Minnesota?
      In Minnesota, homeowners usually pay $45 to $75 per month for a home warranty, based on quotes from our top picks. Your price depends on the plan and options you choose. You may be eligible for certain discounts or have the ability to customize your policy in a way that saves you money, like tailoring your service fee.

      We haven’t included discounts or add-ons in the quotes from our top picks because these aren’t available to every consumer, but these factors can make a big difference in your bill.

      Is a home warranty worth it in Minnesota?
      It depends. A home warranty can pay for itself but only if you put it to enough use. To make a smart purchase, evaluate the condition of your home systems and appliances and compare your expected repair costs versus the price of your home warranty.

      It’s also worth noting that many homeowners find that the peace of mind home warranties provide makes them worth the cost even if they don’t end up using their policies enough to break even.

      Does a home warranty cover foundation repair?
      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.

      Bottom line

      When buying a home warranty in Minnesota, it’s important that you understand local regulations and which components of your home are most critical to have covered. If you’re looking for more information, check out our warranty cost resource, our home warranty coverage resource or the FAQ section of our nationwide home warranty guide.

      ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. To learn more about the content on our site, visit our FAQ page.
      1. MPR News, “Ask a 'sotan: Does Minnesota really have more shoreline than California?” Accessed November 17, 2021.
      2. Minnesota Legislature, “Statutory New Home Warranties.” Accessed November 17, 2021.
      3. Minnesota Legislature, “2021 Minnesota Statutes.” Accessed November 17, 2021.

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