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Best Home Warranties in North Dakota

We compared 30 companies and chose the top home warranty providers

    • Best overall
      Regency Total Warranty
      4.1(1,026)
    • Quick service
      Choice Home Warranty
      4.0(73,435)
    • Roof coverage
      Select Home Warranty
      3.6(15,988)
    Author picture
    By: Alina Bradford
    +1 more
    Author picture
    Edited by: Cassidy McCants

    Best Home Warranties in North Dakota

    Based on verified reviews from local homeowners, Regency Total Warranty is the best home warranty company in North Dakota. Choice Home Warranty is a good choice if you want fast response times. Select Home Warranty stands out for its roof coverage.

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    Our 3 home warranty company picks in North Dakota

    1. Best overall: Regency Total Warranty
    2. Best for quick service: Choice Home Warranty
    3. Best for roof coverage: Select Home Warranty

    Our research team vetted home warranty companies that are rated by hundreds of customers in North Dakota. Read our guide to choose the best home warranty in North Dakota 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.

    Compare home warranty companies

    Our 3 North Dakota home warranty company picks

    Learn more about our top picks for the best home warranty companies, based on real, recent reviews from customers in North Dakota on ConsumerAffairs.

    Best overall

    Regency Total Warranty

    Regency Total Warranty
    4.1
    1,026 reviews
    Plans available
    EssentialGuard and TotalGuard
    Service fees
    $60 to $100
    Starting costs
    $44.99
    Labor guarantee
    Unclear
    Read Reviews

    Regency Total Warranty stands out in North Dakota due to its reputation for simple and fast claims, which is especially important when repairs are urgent. Its combo plans are designed to cover both critical systems and appliances, providing a broader safety net for older, rural homes.

    What to consider: Regency has only been in business since 2024.

    Pros
    • Both plans cover systems and appliances
    • Reasonable starting costs
    Cons
    • No electronics plan
    • Some water heater exclusions

    Regency’s two plans offer different degrees of coverage for your home’s systems and appliances. Costs start at $39.99 per month, with a potential savings of $50 per year if you pay annually.

    • EssentialGuard: Covers three home systems and 10 appliances. Starts at $39.99 monthly or $429.99 annually.
    • TotalGuard: Covers five home systems and 14 appliances. Starts at $45.83 per month ($499.99 per year).

    Add-ons and discounts

    • Optional add-ons
      • Pools and spas
      • Well pumps
      • Sump pumps
      • Central vacuums
      • Limited roof leaks
      • Septic systems
      • Second refrigerators
      • Stand-alone freezers
      • Septic tank plumbing
    • Discounts: Seasonal promotions; limited roof leak protection
    “After a recent cleaning cycle, the door of our Kenmore wall oven stayed jammed shut! … We contacted Regency Total Warranty, who assigned a technician to immediately assess the problem and get the components needed to get our oven back up and running – just in time for our Christmas guests. We appreciate your competent and prompt service!”
    Sarah Minot, ND
    Best for quick service

    Choice Home Warranty

    Choice Home Warranty
    4.0
    73,435 reviews
    Plans available
    Basic and Total
    Service fees
    $100
    Starting costs
    $46.83
    Labor guarantee
    60 days
    Get a Quote Read Reviews

    Choice Home Warranty is a practical pick for rural North Dakota because it tends to provide quick claim responses and gives you access to a 24/7 claims service. This can make a substantial difference when you’re facing heating or plumbing issues in extreme winter conditions.

    What to consider: Choice’s base plans are pricier than most competitors.

    Pros
    • Unlimited number of repairs on covered items
    • Roof coverage available
    • Frequent discounts
    • Claims service available 24/7
    Cons
    • Expensive base plans
    • Low appliance coverage cap

    Basic plans start at $49.17 per month, and Total plans start at $57.50 per month. Both have a flat $100 service fee. Contracts last one year — expect to pay a $50 cancellation fee if you cancel early. However, you can transfer the contract with no penalty.

    • Basic: Covers 14 systems and appliances, including heating, electrical and plumbing.
    • Total: Includes everything in the basic plan and covers your washer and dryer, refrigerator and air conditioning system.

    Add-ons and discounts

    • Optional add-ons
      • Ice maker: $2.08
      • Second refrigerator: $3.33
      • Stand-alone freezer: $3.33
      • Sump pump: $3.33
      • Central vacuum: $3.33
      • Septic tank pumping: $5.42
      • Roof leak repair: $5.83
      • Well pump: $8.33
      • Sprinkler system: $8.33
      • Septic system: $10
      • Pool and spa: $15
      • Additional spa: $15
    • Discounts: Reduced premiums with annual payments; free extra month
    “I spoke with Miles about a Home Warranty program. He had taken his time with my wife and I and asked if I was a Veteran and I told him I was a Vietnam Vet so he gave me a discount which I was very much appreciated. …Miles was a very good salesperson and I felt lucky to get him.”
    Stephen Grand Forks, ND
    Best for roof coverage

    Select Home Warranty

    Select Home Warranty
    3.6
    15,988 reviews
    Plans available
    Bronze Care, Gold Care and Platinum Care
    Service fees
    $75 to $100
    Starting costs
    $60.42
    Labor guarantee
    180 days
    Get a Quote Read Reviews

    Select Home Warranty offers great roof leak coverage, which is vital in North Dakota’s harsh climate. Many reviews highlight positive experiences with roof repairs. Its frequent deals and discounts also appeal to homeowners who want extra value.

    What to consider: Select has a lower coverage limit for appliances than many competitors.

    Pros
    • Roof coverage included
    • Frequent discounts
    • Claims service available 24/7
    Cons
    • Expensive base plans
    • Low appliance coverage cap

    Select Home Warranty offers three plans with monthly prices ranging from $60.42 to $63.75 and a service call fee of $75 to $100. You can reduce your premiums by paying annually instead of monthly.

    • Optional add-ons
      • Sump pump: $3.33
      • Well pump: $3.33
      • Stand-alone freezer: $3.33
      • Central vacuum: $3.33
      • Septic system: $5.83
      • Sprinkler system: $5.83
    • Discounts: Two months free if paid annually
    “Had a very pleasant man on the phone with my inquiry on Select Home Warranty. He answered all my questions and did not pressure me on purchasing. … The cost was reasonable as well.”
    Jane Grand Forks, ND
    1x Award Winner
    Selected for having one of the highest satisfaction rates for Best Overall Value

    Home Warranties in North Dakota Buyers Guide

    Jump into our guides and start learning

    In this guide

    Top Picks

    See who reviewers like

    Regency Total Warranty logo
    Choice Home Warranty logo
    Select Home Warranty logo
    See our top picks

    Simplify your search

    Compare plans tailored to your home & budget.

      North Dakota experiences some of the coldest winters in the nation, and the state is predominantly rural with older homes scattered across vast distances. On top of this, extreme cold, blizzards and freeze-thaw cycles create severe repair demands. Finding reliable coverage and technician access is critical, but we'll help you navigate your options.

      Key insights

      North Dakota homeowners should prioritize heating and plumbing coverage.

      Jump to insight

      North Dakota home warranty plans cost $35 to $90 per month on average.

      Jump to insight

      Many home warranty companies exclude damage from extreme weather events or don't service rural North Dakota.

      Jump to insight

      How to choose a home warranty in North Dakota

      To find the right home warranty in North Dakota, start by identifying whether you need appliance coverage, systems coverage or a combination of both. Compare sample contracts and real reviews to see exactly what each provider will deliver, especially in rural areas. Use the following steps to help with your decision:

      1. Decide what coverage you need

      Begin by deciding if you want coverage for appliances, for systems, or for both categories. If your home’s heating, plumbing or electrical systems are older, or your house was built before 1985, a systems plan may be especially important. Verify whether your provider has technicians available in your area, as distance can impact response times.

      North Dakota is almost entirely rural, with older homes and wide distances between technicians. If your home was built before 1985, prioritize systems coverage. Verify that your chosen provider actually serves your area — technician availability is a major concern.

      2. Compare costs

      Look at the total cost of a home warranty, including both the monthly premium and service fees (usually $75 to $150 per visit). Consider the coverage limits and the cost of any add-ons you want, such as well pump or roof leak coverage. If you expect to file multiple claims, service fees can add up quickly.

      North Dakota home warranty costs can be significantly higher than the national average due to the state's rural nature and extreme climate demands. Limited contractor networks mean higher technician travel fees.

      3. Review sample contracts

      Most companies offer sample contracts so you can see exactly what is and isn’t included. Read the details carefully to understand exclusions, waiting periods, limits on parts and labor and steps for filing claims.

      Pay attention to any exclusions for freeze damage, especially for pipes and heating systems and check for guarantees on response times. For example, J from Bismarck reported, “It took them 4 days without resolution to address the heating system. … But they declined to cover the replacement and just pay me out max of $150.”

      When reviewing contracts, verify that the company actually serves your specific area. Check freeze damage exclusions carefully — frozen pipes and heating failures are existential threats. Confirm well and septic coverage. Look for reasonable response time guarantees.

      4. Read customer reviews

      Reading reviews can give you a sense of how a company handles claims and delivers service in your region. Reviews from people in your specific part of North Dakota are especially helpful for understanding claim turnaround times and communication. John from Fargo told us, “I had to contact them three times a day for a week to get our service request processed.”

      Look for North Dakota reviews from customers in your specific region. Rural areas often report longer wait times or service unavailability. Ask potential providers directly about their technician network in your county.

      Positive reviews often highlight smooth claims processes and responsive customer service, while negative ones may point to frequent denials or hidden costs.

      » MORE: How to buy a home warranty

      How much does a home warranty cost in North Dakota?

      Home warranty premiums cost $684 per year, on average, as of June 2025. In North Dakota, you can expect to pay between $360 and $1,080 a year for a home warranty, depending on the plan, service fee and add-ons chosen from our top picks.

      Cost range by home warranty provider

      Monthly or annual premiums

      Most providers allow you to pay either monthly or annually. Monthly payments help spread out costs, while annual payments often come with a discount. The price varies based on which company you select and how much coverage you want.

      Service call fees

      Every time you file a claim, you’ll pay a service fee (like a per-claim deductible). This usually ranges from $75 to $150 per visit, depending on your plan and where you live.

      Add-on coverage

      You can customize your plan with add-ons — for example, coverage for a pool, well pump or roof. These extras usually cost between $2 and $25 per month, depending on the item.

      Other home warranty cost factors

      Home warranty pricing depends on several factors:

      • Home size and type: Larger homes need more coverage, which can increase premiums. Smaller properties or condos usually cost less.
      • Level of coverage: Lower-cost plans cover fewer items. If you want everything protected, expect to pay more.
      • Location: North Dakota's rural isolation and extreme climate create unique challenges. Technician availability is as important as plan cost.
      • Discounts: Many companies offer discounts for annual payments or multiyear contracts.

      Example: total annual home warranty costs

      • Systems and appliances plan ($58 per month): $696 per year
      • Add-on for well pump and septic ($16 per month): $192 per year
      • Three claims ($105 service fee): $315
      • Total: $1,203 per year

      What does a North Dakota home warranty cover?

      Home warranty plans in North Dakota generally offer three types of coverage: appliance plans, systems plans and combination (combo) plans.

      • Appliance plans commonly include coverage for refrigerators, dishwashers, ovens, microwaves, washers and dryers.
      • Systems plans focus on essential parts of your home like heating, plumbing, electrical, water heaters and ductwork. In North Dakota, reliable heating and plumbing are a must.
      • Combo plans offer a blend of both, giving you broader protection and higher payout limits for both systems and appliances.

      You can also add extra coverage for things like well pumps, septic systems or roof reinforcement.

      » MORE: Can you get a home warranty on an older home?

      How much can you save with a North Dakota home warranty?

      Your savings depend on the types of repairs or replacements you need during the year. Sometimes, one major covered issue can offset the cost of your plan.

      The Consumer Financial Protection Bureau advises setting aside 1% to 3% of your home value annually for repairs and maintenance — typically more than the $700 to $1,200 you’d pay for a home warranty and a few service fees. If a big repair pops up, you could save thousands.

      Average repair/replacement costs for covered items

      North Dakota's brutal winters and rural isolation create extreme repair challenges. Furnace failures and frozen pipes are common emergencies with limited local contractor options. Well pump and septic failures can leave homes uninhabitable. Here's what repairs cost in North Dakota.

      FAQ

      How does a home warranty work?

      A home warranty is a service contract that covers repairs or replacements for major home systems and appliances. You pay a monthly or yearly premium plus a service fee for each claim. When something breaks, you file a claim and the home warranty provider sends out a contractor to inspect and repair the issue.

      If it’s beyond repair, the company will help cover the replacement cost, up to the coverage limits in your plan. Actual coverage depends on the contract details.

      Is a home warranty worth it in North Dakota?

      A home warranty can be worth it if you want to avoid large, unexpected repair bills for your home’s systems or appliances. Many North Dakota homeowners value the peace of mind, especially in rural areas where a furnace or well pump failure could be both costly and dangerous during winter. Coverage helps ensure you’re not left stranded.

      A home warranty can be critical in North Dakota if you own an older rural home and live far from towns with contractors. A furnace failure in winter or frozen well pump can be both expensive and dangerous. Given extreme isolation, coverage provides essential peace of mind.

      What does a home warranty not cover?

      Most home warranty plans don’t cover things like preexisting problems, installation errors, cosmetic issues or anything that’s already protected by a manufacturer’s warranty. Coverage also has caps — for example, an HVAC repair might be limited to a certain dollar amount. Routine maintenance, landscaping and structures are typically excluded.

      Some companies don't service rural North Dakota at all. Many plans exclude extreme weather damage. Wells are often excluded from standard plans. Septic systems are excluded unless added separately. Verify service coverage in your area before signing.

      What’s the difference between a home warranty and homeowners insurance?

      Home warranties and home insurance policies are two distinct forms of protection. Homeowners insurance is required by mortgage lenders and covers damage to your home and belongings due to events like fires, storms or theft.

      A home warranty, on the other hand, is optional and covers repairs or replacements for appliances and systems that break down due to normal wear and tear.

      » COMPARE: Home warranty vs. home insurance

      Methodology

      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 North Dakota, then evaluated which performed best for local residents.

      We prioritized real customer experiences in North Dakota but also considered national reviews. Our review evaluation focused on seven satisfaction drivers:

      • Technician quality
      • Customer service
      • Claims handling
      • Punctuality and speed
      • Coverage
      • Value
      • Refunds and payouts

      In addition to reviews, we compared the companies on:

      • 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.
      • Service guarantee: The longer a company guarantees its repairs, the more protection you get if the same issue comes back. We considered how each provider backs its workmanship.
      Guide sources

      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:

      1. National Home Service Contract Association, “North Dakota.” Accessed Nov. 6, 2025.
      2. North Dakota Insurance Department, “Complaints.” Accessed Nov. 6, 2025.

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