Best Home Warranties in Minnesota

Below are our favorite home warranty companies in Minnesota, based on local reviews and company offerings.

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

Make sure your home warranty covers frozen and burst pipes as well.

As the Land of 10,000 Lakes, homes in Minnesota can be exposed to high humidity levels that can impact electrical systems and appliances, causing them to break down faster. If you live on the 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 choose a home warranty plan, ensure 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 also important to read your contract to see how much the company will actually pay toward your heater. Some companies cap their payments at a number that may not cover the entire cost of replacing or repairing your heating system.

To help protect consumers, Minnesota has some rules and regulations regarding home warranties. These range from giving you the right to cancel within 30 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.

The Minnesota Department of Commerce regulates service contracts in Minnesota. 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.

Minnesota also has some regulations in place that may affect you if your home is new. Minnesota law requires builders to offer 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 major home systems are only covered outside of the first year if a bad installation caused the problem.

ConsumerAffairs carefully collects in-depth, verified reviews to tell each customer’s experience with a company. We believe customer experiences are a crucial indicator when evaluating companies, so these reviews are a significant factor when selecting our top picks.

To choose the top home warranty companies in Minnesota, we started with the 26 popular providers listed in our main home warranty guide. First, we narrowed it down to the ones available in Minnesota. We then weighted several key features to get our final rankings:

• Coverage options: We broke down each company’s home warranty plans to ensure they offer multiple coverage options to fit a variety of needs.
• Plan flexibility: Customizing a plan can tailor it to your needs and help you save money. We checked to see what customization options each company offers, including the ability to select a service fee and the number and cost of add-on coverages.
• Cost: Costs for home warranty plans vary based on the size of the home and the type of coverage, but we confirmed our top picks’ prices are competitive in the home warranty industry.
• Service call fee: We looked at the service fee each company charged to send a technician to your house to ensure our top picks are in line with industry standards.

When buying a home warranty in Minnesota, it’s important to 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 article, our home warranty coverage article or the FAQ section of our nationwide home warranty guide.