Best Home Warranty Companies in Minnesota


A Minnesota home warranty will allow you to enjoy your home without worrying about unexpected breakdowns and the associated repair or replacement costs. In exchange for a monthly or annual premium and a small service fee, your provider will handle repairs and replacements for covered items in your contract.

The This Old House Reviews team has compiled information on the best home warranty companies in Minnesota, comparing plans, pricing, and customer reviews, to help make choosing a provider easier for you. Keep reading to learn more.

Top Home Warranty Companies in Minnesota

The best home warranty companies in Minnesota provide comprehensive coverage, offer affordable payment options, and have excellent customer service teams to field service requests 24 hours a day, seven days a week. Here are our picks for the top home warranty providers in Minnesota.

1. American Home Shield

American Home Shield (AHS) is the leading home warranty provider for Minnesota residents, with over 45 years of industry experience. AHS has double the number of plans as the other two providers in this review, which gives customers a wide range of coverage options to choose from.

Here are the different plans offered by American Home Shield:

  • Systems Plan—Covers 12 home systems, such as your air conditioning, ductwork, and water heater
  • Appliances Plan—Covers 10 appliances, such as your refrigerator, oven, and cooktop
  • Combo Plan—Provides protection for 22 systems and appliances
  • Build-Your-Own Plan—Allows customers to select up to 10 items for personalized coverage

When signing up for an American Home Shield plan, you’ll choose a service fee of $75, $100, or $125. The lower the service fee you select, the higher your monthly premium. Here’s a breakdown of AHS plan pricing:

AHS Plans Pricing

Plans $75 Service Fee $100 Service Fee $125 Service Fee
Plans $75 Service Fee $100 Service Fee $125 Service Fee
Systems Plan $49.99 per month $39.99 per month $34.99 per month
Appliances Plan $49.99 per month $39.99 per month $34.99 per month
Combo Plan $59.99 per month $49.99 per month $44.99 per month

Note: The Build-Your-Own Plan typically costs $54.99 per month. For every item you include after your original 10, you’ll be charged $2.00 per item.

American Home Shield offers several benefits to customers:

  • Covers 49 states, excluding Alaska
  • No limit on the number of repairs allowed during the contract period
  • 30-day workmanship guarantee
  • High coverage caps for home appliances and systems

For a free quote from American Home Shield, fill out this online form or call 844-529-9298.

2. Choice Home Warranty

Choice Home Warranty (CHW) is one of the most affordable home warranty companies available and has cheap monthly premiums and service fees. This makes it an ideal pick for people who are on a budget.

Here are the different plans offered by Choice Home Warranty:

  • Basic Plan—Covers 14 major home components like the heating, electrical, plumbing, and dishwasher
  • Total Plan—Covers everything under the Basic Plan and provides protection for your air conditioning, refrigerator, clothes washer, and dryer

The Basic Plan costs $36.17 per month, while the Total Plan costs $43.85 per month. In addition to paying this monthly premium, customers will have to pay $60–$85 for each service call.

Choice Home Warranty offers the following benefits to customers:

  • Guaranteed response time within 48 hours of filing a claim
  • 90-day repair guarantee
  • Add-on coverage for roof leaks

For a free quote from Choice Home Warranty, fill out this online form or call 800-495-1292.

3. The Home Service Club

The Home Service Club (HSC) provides quick coverage on home warranty claims and has one of the shortest coverage waiting periods in the industry (it has a 10-day waiting period instead of the average 30-day period).

Here are the different plans offered by The Home Service Club:

  • Standard Coverage—Covers basic systems and appliances in your home like the plumbing, garbage disposal, and dishwasher
  • Comprehensive Coverage—This plan builds off of Standard Coverage and includes uncommonly covered household items, like doorbells and telephone wiring

Here are what the monthly premiums look like for The Home Service Club plans:

The Home Service Club Plans

Standard Coverage Comprehensive Coverage
Standard Coverage Comprehensive Coverage
$45.95 per month $60.95 per month

The Home Service Club also charges a $95 service call fee per claim.

Here are a few other benefits you’ll receive as an HSC customer:

  • Unique coverage on pest control and gas leaks
  • Low waiting period of 10 days
  • Choice in technician for repairs

For a free quote from The Home Service Club, fill out this online form or call 800-842-9334.

Frequently Asked Questions about Minnesota Home Warranties

How much does a Minnesota home warranty cost?

A Minnesota home warranty costs between $300–$600 per year and will depend on the level of coverage you select, the size of your home, and where you live. In addition to this premium, customers will pay a service call fee every time they file a claim. This deductible typically costs between $75–$125. Since pricing will vary by provider, we recommend getting quotes from several providers to see how your Minnesota home will affect the price.

Are home warranties worth the money?

Home warranties offer homeowners several benefits, but the biggest one is peace of mind. If a repair or replacement is needed, you won’t have to worry about paying expensive repair costs or finding a trusted service contractor to help you out—your home warranty provider will cover most of the cost and help you find a technician if you don’t have one on hand.

If you’re a real estate agent or home seller, you can also benefit from a home warranty. Purchasing a home warranty to include in the sale may give potential buyers extra incentive to choose your home over others on the market because they’re guaranteed protection on major systems and appliances.

Which home warranty company will provide roof leak coverage?

Some home warranty companies offer coverage on limited roof leaks. Two of the providers in this review—Choice Home Warranty and The Home Service Club—have a roof leak add-on.

Our Conclusion

Whether you live in the Twin Cities or Coon Rapids, investing in a home warranty can protect you if a system or appliance unexpectedly breaks down. Before buying a home warranty, we recommend getting a quote from all three companies listed in this review so that you can compare price estimates and choose coverage that best fits within your budget.



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