5 Best Home Warranty Companies in Minnesota (2024)

We recommend Liberty Home Guard (LHG) for Minnesota homeowners needing solid HVAC protection and added unique coverage. The company offers $2,000 caps for heating and cooling systems and provides 42 add-on options, the largest catalog in this review.

Monthly cost: $49–$59

We scored LHG 4.5 out of 5 stars in our review standards. Here’s how the provider rated in key categories:

• Coverage (4.7 out of 5): LHG scored well for its coverage variety, which includes 42 add-on options.
• Value (4.25 out of 5): LHG received a low score for its vague service call fee policy and inflexible fee options.
• Trustworthiness and Transparency (4.8 out of 5): It received a higher score for its excellent review scores across multiple third-party sites.
• Availability and Service (4.3 out of 5): It lost points for its longer claims process and for not allowing customers to choose their own service technicians.

LHG offers three service plan options: Appliance Guard, Systems Guard, and Total Home Guard. We read through the LHG sample contract and learned that most appliances and systems receive a $2,000 limit. Electrical and plumbing systems receive a lower $500 coverage limit, which falls below that of other reviewed providers. We also learned that the company doesn’t cover items with preexisting conditions, making it a better choice for newer homes. LHG doesn’t offer roof-leak coverage with its standard plans, but you can select it as an add-on.

Here’s a quick overview of LHG’s plans:

• Appliance Guard: This plan includes refrigerators, cooktops, ranges/ovens/stoves, and eight other appliances.
• Systems Guard: This system-only coverage includes air conditioning, heating, ductwork, plumbing, electrical, and water heaters.
• Total Home Guard: This plan tier includes everything outlined in the Appliance Guard and Systems Guard plans.

LHG offers monthly and annual premiums. We received two additional months when we chose an annual option for our sample quote. Unlike providers with flexible service call fees, LHG assigns a service call fee to your account based on your plan, add-on selections, and location. Its service fees range from $65–$125.

We’ve detailed LHG’s costs, fees, and coverage caps below:

LHG offers the largest add-on catalog in this review at 42 options. The company boasts a generous selection of home service options, such as pest control, rekey service, gutter cleaning, floor cleaning, and generator coverage. Pricing is midrange compared to other providers, with costs between $3.99 and $35.99. You can add roof-leak coverage to any plan for $11.99 per month. LHG recommends add-on services based on other homeowners in the area. The company recommends that Minnesota residents get coverage for the following items in addition to roof-leak coverage:

• Stand-alone freezers
• Sump pumps
• Water softeners
• Well pumps

Reading reviews for LHG told us that past customers appreciated the friendly and knowledgeable customer support team. We also tested the customer support line and live chat feature to determine the best contact options. Our call connected and reached a live representative in less than 30 seconds. The chat service uses an automated bot and requires several requests to be connected with a live representative.

We recommend American Home Shield (AHS) for Minnesota homes that need comprehensive coverage for older items. It’s one of the few companies with unknown preexisting conditions and physical damage coverage included in its standard plans.

Monthly cost: $49–$109

We scored AHS 4.4 out of 5 stars in our review standards, and here’s how we rated it in key categories:

• Coverage (4.7 out of 5): AHS received a high score for its comprehensive protection and generous coverage limits.
• Value (4 out of 5): We deducted points for its higher bundled plan pricing and service call fees.
• Trustworthiness and Transparency (4.25 out of 5): AHS lost points for its lower customer review scores.
• Availability and Service (4.7 out of 5): AHS scored well for its prompt claims process, which took less than 24 hours in our testing.

AHS provides three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. Reviewing the AHS sample contract informed us that the company offers a $5,000 coverage cap per covered system. This is one of the highest system limits of this review. Under ShieldGold, you receive added appliance coverage plus a $2,000 coverage cap. ShieldPlatinum provides the most comprehensive coverage and adds more perks to the ShieldGold coverage. Additional Shield Platinum benefits include an appliance limit of $4,000 and roof-leak coverage. The other two plans require a roof-leak add-on.

Here’s an overview of AHS’s plans:

• ShieldSilver: The system-only plan includes major home systems, such as air conditioning, interior plumbing, and water heaters.
• ShieldGold: This plan includes the ShieldSilver coverage and adds appliance protections.
• ShieldPlatinum: The highest tier includes ShieldGold coverage and adds more perks, such as HVAC tune-ups and air filter discounts.

Our sample quote included a service call fee of $100 or $125. Our monthly premium pricing increased when we switched to the lower service call fee. However, it’s one of the few providers to offer only monthly premiums. Most companies offer annual and monthly pricing options. In addition, AHS charges more for its combined plans than other home warranty companies.

We’ve outlined AHS costs and coverage caps below:

AHS’s coverage plans are comprehensive, so it only offers six add-on options. On average, other providers offer eight to 10 options. Its pricing ranges from $4.99–$21.99, making its add-ons very affordable. Adding roof-leak coverage to the ShieldSilver and ShieldGold plans will add $10.00 to your monthly costs.

Additional add-on options include the following:

• Electronics protection plan
• Guest unit coverage
• Pool & built-in spa equipment coverage
• Septic pump coverage
• Well pump coverage

One of our team members used his AHS plan to repair a leaking bathroom pipe. He received email and text confirmations after submitting an online claim. Next, the service technician contacted him five minutes later to set a next-day appointment. We learned that AHS doesn’t let you choose your own service technicians. Instead, the company sends a technician from its preapproved network. The repairs took two hours, and he only paid the service call fee for the visit.

We recommend Elite Home Warranty for Minnesota homeowners who want more control over their coverage plans and costs. The company offers three standard plans, a fully customizable plan, and 27 add-ons.

Monthly cost: $44–$58

We scored Elite 4.6 out of 5 stars in our review standards. Here’s how we rated it in key categories:

• Coverage (4.6 out of 5): Elite received a higher score for its plan variety and extensive add-on catalog.
• Value (4.25 out of 5): We deducted points for its limited service fee options because it only offers one fee for its standard plans. 
• Trustworthiness and transparency (4.8 out of 5): Elite scored well for its excellent brand reputation and high customer review scores.
• Availability and service (4.5 out of 5): Elite lost points for not offering an online quote tool and instead requiring customers to call in.

Elite offers three standard protection plans: Elite Appliances, Elite Systems, and Elite Complete. Reviewing Elite’s sample contract told us it also provides the Customize Your Own plan. This plan alternative lets you pick and choose the exact systems and appliances for your coverage. Unlike other companies that offer standard coverage caps for every item, Elite varies its coverage. The company also imposes a $15,000 annual limit on its plans. This breaks down to $7,000 for all appliance claims and $8,000 for systems.

Here’s a look at Elite’s plans:

• Elite Appliances: This plan protects eight home appliances, including dishwashers, refrigerators, and washing machines.
• Elite Systems: This system-only plan covers eight home systems, including air conditioning, electrical, and plumbing.
• Elite Complete: The highest plan tier offers comprehensive coverage, combining Elite Appliances and Elite Systems protections.

Our research showed that Elite charges between $44 and $58 monthly. The company also offers a standard $70 fee, unlike other providers that provide two or three options. The company charges a higher $150 fee for high-end appliance repairs, and it charges this fee for after-hour and weekend calls.

Here are the details of Elite’s pricing and coverage limits:

Elite offers 27 add-on coverage options, the second-largest catalog behind LHG. Similar to other providers, Elite’s add-on coverage limits vary depending on the item. The company also limits claims to $5,000 per contract term.

Here’s a sample of what items you can get add-on coverage for from Elite:

• Annual maintenance plans
• Drainage, sewer, and water service lines
• Geothermal heating and cooling systems
• Septic systems

Our team member tested the Elite Home Warranty claim process when his high-end dishwasher broke. He submitted the claim online and received an Elite claims specialist call within 30 minutes. The claims specialist scheduled a service appointment for the next day. When the technician arrived, he realized the repair would require some out-of-stock parts. The technician placed the order for the parts and returned a few days later to complete the repair, finishing the job within an hour.

Elite utilizes its own network of authorized technicians to perform covered repairs and provides a 90-day workmanship guarantee on labor. Homeowners can use their own technician; however, opting out of using an Elite-authorized tech will void the 90-day workmanship guarantee. You’ll likely receive a workmanship guarantee from the tech who did the repair. 

We recommend Select Home Warranty for Minnesota homeowners who are budget-conscious and concerned about possible future roof leaks. All of Select’s plans have monthly fees under $50 and include free roof-leak coverage.

Monthly cost: $44–$47

We scored Select 4.3 out of 5 stars in our review standards. Here’s how we rated it in key categories:

• Coverage (3.7 out of 5): Select lost points for its lower coverage caps, which fall below other reviewed providers.
• Value (5 out of 5): Select received a perfect score for its affordable premium pricing and service call fees. 
• Trustworthiness and Transparency (4.5 out of 5): Select lost points for its average review scores, which are lower than other providers.
• Availability and Service (4.3 out of 5): Select received a low score for its longer claims processing time line.

Select offers three plan options: Bronze Care, Gold Care, and Platinum Care. Reviewing the Select sample contract showed us that it includes a $3,000 cap for HVAC systems but limits other covered systems to a $500 coverage cap. The two basic plans are available at the same price point but exclusive to systems or appliance coverage. The comprehensive plan covers both for a slightly higher price. However, the company doesn’t cover preexisting conditions. We recommend Select if you have newer items that don’t need much coverage or want extensive HVAC coverage for a lower price.

Here are more details about Select’s plans:

• Bronze Care: This plan covers eight appliances, such as cooktops, stoves/ovens, and garbage disposals.
• Gold Care: This plan tier includes air conditioning, ductwork, electrical systems, heating, plumbing systems, and water heaters.
• Platinum Care: The highest plan includes all items covered by the two basic plans and additional perks, including luxury appliance coverage.

Select provides monthly and annual options with added perks. New customers signing up for an annual premium receive $150 off and two free months of service. You benefit from lower service fees, but you can’t choose your preferred rate. The company charges a $60–$75 service call fee per claim, which is lower than other providers. However, it assigns your service call fee, limiting your pricing customization. During secret shopping, we learned that Select offers its lower service call fee through an exclusive over-the-phone deal.

Here’s a breakdown of Select costs and coverage limits:

Select offers nine add-on coverage options to complement its basic home warranty plans. This number of add-ons is typical for most home warranty providers. Select doesn’t have options to cover secondary appliances or HVAC systems, but it does provide very affordable add-on pricing compared to competitors. The most expensive Select add-on is pool coverage at $8.33 per month. However, coverage caps are lower than other providers offering only $400 caps.

Other add-on options include the following items:

• Central vacuums
• Lawn sprinkler systems
• Septic systems
• Sump pumps

We learned that Select prefers to resolve account issues and process claims over the phone. We also discovered that Select chooses a service technician from its network of contractors. The company will let you pick your own if none of its technicians are in your area. However, Select must approve the choice before the repair process begins.

We recommend America’s First Choice Home Warranty (AFC Home Warranty) for Minnesota residents looking for plan variety and extended system coverage. The company offers four plans, three service fees, and unlimited system coverage caps.

Monthly cost: $35–$94

We scored AFC Home Warranty 4.6 out of 5 stars in our review standards. Here’s how we rated it in key categories:

• Coverage (4.3 out of 5): AFC Home Warranty lost points for its depreciation policy on items five years and older.
• Value (4.5 out of 5): We awarded a high score for its plan and service fee variety.
• Trustworthiness and transparency (4.8 out of 5): AFC Home Warranty earned points for its higher third-party review scores.
• Availability and service (5 out of 5): The company earned a perfect score for its flexible service technician policy.

AFC Home Warranty provides four plan options: the Silver Plan, the Gold Plan, the Platinum Plan, and the Diamond Plan. Reading through the AFC Home Warranty sample contract informed us that built-in systems receive unlimited coverage. The exception is thermostats, which receive an $80 limit. Appliances receive a $3,000 cap, well above the $2,000 industry standard. However, items five years or older receive a reduced payout based on their depreciated value. You can add roof-leak coverage at no cost to any plan option.

We’ve detailed AFC Home Warranty’s plans below:

• Silver Plan: This plan covers nine appliances, including cooktops, dishwashers, and refrigerators. 
• Gold Plan: The next plan offers comprehensive system and appliance protection for 15 items, such as air conditioning, electrical, and heating. 
• Platinum Plan: The next plan tier covers 20 systems and appliances, such as built-in microwaves and ice makers. 
• Diamond Plan: The highest plan includes Platinum items, electronics, external sewer, and water lines.

AFC Home Warranty offers three service fees: $75, $100, or $125. Our sample quote’s monthly premium decreased when we chose the higher service call fee. It’s one of the few companies to offer multiyear plans. One-year plans include a $100 discount, while three-year plans receive $250 off.

We’ve listed AFC Home Warranty’s premiums and limits below:

AFC Home Warranty offers 13 add-on options, which is typical for a home warranty provider. We should note that the company lists its pricing based on yearly rates. However, our online quote did include the monthly breakdown. Pricing ranges from $25–$150 per year. You can add roof-leak protection at no extra cost.

Additional coverage options include the following items:

• Double ovens
• Hot water dispensers
• Septic systems
• Sump pumps

AFC Home Warranty is the only provider in this review that lets you choose your own service technician for repairs. Most companies only offer this option if they don’t have available contractors in your area. It’s also one of the few companies offering unique membership benefits, such as free credit monitoring, identity monitoring, and discounts on auto, pet, and dental insurance.