Subscribe To Newsletters
  • Subscribe To Newsletters
  • Trump Tracker
  • Billionaires
    Billionaires
    • View All Billionaires
    • World's Billionaires
    • Forbes 400
    • America's Richest Self-Made Women
    • China's Richest
    • India's Richest
    • Indonesia's Richest
    • Korea's Richest
    • Thailand's Richest
    • Japan's Richest
    • Australia's Richest
    • Taiwan's Richest
    • Singapore's Richest
    • Philippines' Richest
    • Hong Kong's Richest
    • Malaysia's Richest
    • Money & Politics
    • 2024 Election
  • Innovation
    Innovation
    • View All Innovation
    • AI
    • Big Data
    • Cloud
    • Cloud 100
    • Consumer Tech
    • Creator Economy
    • Cybersecurity
    • Digital Transformation
    • Enterprise Commerce
    • Enterprise Security and Protection
    • Enterprise Tech
    • Enterprise Growth Strategy
    • Future Of Work
    • Gaming
    • greenhouse Insights: How AI Can Help You Make Your Smartest Hire Yet | Paid Program
    • Healthcare
    • Innovation Rules
    • Retail Industry
    • SAP BrandVoice | Paid Program
    • Science
    • Social Media
    • Sustainability & Climate
    • Transportation
    • Venture Capital
    • Technology
    • VMware BrandVoice | Paid Program
    • Zendesk BrandVoice | Paid Program
  • Leadership
    Leadership
    • View All Leadership
    • Careers
    • CEO Network
    • CFO Network
    • CHRO Network
    • CIO Network
    • CMO Network
    • CxO
    • Diversity, Equity & Inclusion
    • Education
    • Forbes EQ | Paid Program
    • ForbesBLK
    • ForbesWomen
    • Leadership Strategy
    • Under 30
    • Working Remote
    • Over 50
    • Deloitte BrandVoice | Paid Program
    • Dell Technologies BrandVoice | Paid Program
  • Money
    Money
    • View All Money
    • Banking & Insurance
    • ETFs & Mutual Funds
    • Fintech
    • Hedge Funds & Private Equity
    • Investing
    • Investor Hub
    • Markets
    • Personal Finance
    • Premium Investing Newsletters
    • Retirement
    • Taxes
    • Top Advisor | SHOOK
    • Wealth Management
  • Forbes Digital Assets
    Forbes Digital Assets
    • View All Forbes Digital Assets
    • Home
    • Web3 Community
    • News
    • Crypto Prices
    • NFT Prices
    • Research
    • Learn
      Crypto Basics BTC DeFi Web3 Education NFTs Crypto Investments
    • Events
    • Crypto Portfolios
  • Investment Newsletters
  • Business
    Business
    • View All Business
    • Aerospace & Defense
    • Energy
    • Food & Drink
    • Hollywood & Entertainment
    • Law
    • Manufacturing
    • Media
    • Policy
    • Retail
    • SportsMoney
    • Entertainment Digest
  • Small Business
    Small Business
    • View All Small Business
    • Entrepreneurs
    • Franchises
    • Small Business Strategy
  • Lifestyle
    Lifestyle
    • View All Lifestyle
    • Arts
    • Boats & Planes
    • Cars & Bikes
    • Dining
    • ForbesLife
    • Forbes Travel Guide
    • Spirits
    • Style & Beauty
    • Travel
    • Vices
    • Watches
  • Real Estate
    Real Estate
    • View All Real Estate
    • Commercial Real Estate
    • Forbes Global Properties
    • Residential Real Estate
  • Vetted
    Vetted
    • View All Vetted
    • Mattress & Sleep
      Bed Frames Mattresses Mattress Toppers Pillows Sheets & Bedding Sleep Products
    • Home
      Bathroom Cleaning & Laundry Decor Furniture Heating & Cooling Hobbies Home Office Kitchen & Dining Outdoor Pets Storage & Organization Tools Wine & Bar
    • Fashion
      Accessories Clothing Eyewear Footwear Jewelry Handbags & Purses Lingerie & Sleepwear Outdoor & Fitness Apparel Outerwear Watches
    • Kids & Baby Gear
      Baby Gear Kids Clothes & Accessories Nursery Pregnancy & Postpartum Toys & Books
    • Gear
      Apparel & Accessories Bikes Camping & Hiking Climbing Fishing & Hunting Fitness Golf Running Tennis & Racket Sports Tools & Tech Training & Recovery Water Sports Wellness Winter Sports
    • Beauty & Grooming
      Haircare Makeup Nailcare Shaving Skincare Personal Products Wellness & Self Care
    • Tech & Electronics
      Audio Cameras Computers, Tablets & Accessories Gaming Home Office Online Tools Smart Home Devices Smartphones, Smartwatches & Accessories Streaming TVs
    • Travel
      Cruises Hotels & Lodging Luggage Travel Products
    • Gifts
      Father's Day Holiday Mother's Day Valentine's Day Wedding
    • Deals
      Black Friday Cyber Monday Amazon Prime Day Beauty & Grooming Big Sales Fashion Gear Home Tech & Electronics Travel Deals Mattress & Sleep
  • Forbes 101
  • Advisor
    Advisor
    • View All Advisor
    • Best Credit Cards Of 2024
    • Compare Credit Cards
    • Balance Transfer Credit Cards
    • Cash Back Credit Cards
    • Travel Credit Cards
    • Business Credit Cards
    • Mortgages & Loans
      Best Mortgage Lenders Today's Mortgage Rates Today's Refinance Rates Best Personal Loans Compare Loans Loans For Bad Credit Best Debt Consolidation Loans Best Student Loan Lenders Best Student Loan Refinance Lenders Business Loans
    • Banking
      Best Online Banks CD Rates High-Yield Savings Accounts Money Market Account
    • Life Insurance
    • Cheap Life Insurance
    • No Exam Life Insurance
    • Travel Insurance
    • Covid-19 Travel Insurance
    • Cheap Travel Insurance Companies
    • Best Car Insurance
    • Compare Car Insurance Quotes
    • Cost Of Car Insurance
    • Cheap Car Insurance
    • Pet Insurance
    • How Much Is Pet Insurance?
    • Cheap Pet Insurance
    • Business Services
      Best LLC Services Best Registered Agent Services How To Set Up An LLC How To Start A Business Cost To Start An LLC Best Payroll Services Best HR Software Best HRIS Systems Best PEO Services Best Applicant Tracking Systems Best Website Builders Best Web Hosting Services Best Domain Registrar Best Ecommerce Platform Best Landing Page Builder Best VoIP Service What Is VoIP? Best Answering Services Best Call Center Software Best Cloud Phone System Best Project Management Software Free Project Management Software Best Task Management Software Free Task Management Software Best Gantt Chart Software Best VPN Best Free VPN Best Cheap VPN Best Antivirus Software Best Password Managers
    • Home Services
      Best Moving Companies Best Long Distance Moving Companies Best Car Shipping Companies Best Interstate Moving Companies How Much Do Movers Cost? Best Home Warranty Companies Cheapest Home Warranty Companies Are Home Warranties Worth It? Home Warranty Cost Best Home Appliance Insurance Best Solar Companies Best Solar Panels Cost Of Solar Panels Solar Tax Credit By State Are Solar Panels Worth It? Best Pest Control Companies Best Termite Control Companies Best Mosquito Control Companies Pest Control Cost How Much Do Exterminators Cost? Best Home Security Companies Best Home Security Systems Home Security System Cost Cheapest Home Security Systems Best Wireless Home Security Systems Best Internet Providers Cheapest Internet Plans Fastest High Speed Internet Providers Best Internet Only Plans Best Fiber Internet Providers
    • Education
    • Forbes Advisor UK
  • Health
    Health
    • View All Health
    • Healthy Aging
    • Best Medical Alert Systems
    • Medicare
    • Medicare Advantage Plans
    • Medicare Supplement Plans
    • Medicare Advantage By State
    • Health Insurance
    • Hearing Aids
    • Best Hearing Aids
    • Senior Living
    • Mind
    • Best Online Therapy
    • Best CBD Gummies
    • Best CBD Oil
    • Best Protein Powders
  • Lists
  • Video
  • Newsletters
    Newsletters
    • View All Newsletters
    • Crypto Confidential
    • Editorial Newsletters
    • Investing Digest
    • Premium Investing Newsletters
  • Forbes Games
    Forbes Games
    • View All Forbes Games
    • Frase by Forbes
    • Pinpoint by LinkedIn
    • Queens by LinkedIn
    • Crossclimb by LinkedIn
  • Forbes Magazine
    Forbes Magazine
    • View All Forbes Magazine
    • Forbes Asia
    • Free Issue of Forbes
  • Latest
    Latest
    • Coronavirus Coverage
    • Daily Cover Stories
    • Dark Capital
    • Editors' Picks
  • Breaking News
  • Featured
    Featured
    • American Express Insights: 5 Findings That Could Reveal Your Company's Path To Payment Innovation
    • The CEO's Guide To Marketing
    • The Forbes CIO Next List: 2024
    • America's Top Wealth Management Teams High Net Worth
    • The One Who Changed Everything Video Series
    • 30 Under 30 2023
    • AI's Nuanced Impact And A Quest To Quantify It
    • Cognizant BrandVoice: Gen AI Leadership Conversation Video Series | Paid Program
    • DNA of Success
    • Embracing And Bracing For AI
    • Facing A Volatile Market, C-Suites Look To The CFO For Strategic Guidance
    • Forbes Research: 2023 Small Business Survey
    • 'I Am Who I Am': Owning Your Personal And Professional Brand | Paid Program
    • TIAA BrandVoice | Paid Program
    • Forbes CXO Spotlight
    • Scaling AI Editorial Video Series | Paid Program
    • America's Top RIA Firms
    • 5 Traits of AI Pacesetters to Help You Pull Ahead | Paid Program
    • State Farm BrandVoice | Paid Program
    • Thomson Reuters Insights Premium Post: 4 Factors To Explore When Considering Professional-Grade AI | Paid Program
    • PayPal BrandVoice Premium Post: The Future Of E-Commerce | Paid Program
    • The Birth Of Almanac: A Re-Evaluation Of What's Really Needed In Farming | Paid Program
    • Leadership Lessons on Financial Literacy Video Series, presented by New York Life | Paid Program
    • PayPal BrandVoice Premium Post: How Merchants Are Leveling Up Checkout To Drive Conversion | Paid Program
    • Hyoeun Kim On LG's Brand Promise, "Life's Good" | Paid Program
    • Poised To Outperform: Rev Up Your Investment Strategy With Active ETFs | Paid Program
    • ServiceNow BrandVoice Premium Post: Why It's Time To See Your Workforce In 4D | Paid Program
    • Presented by New York Life: Forbes Leadership Lessons On Financial Literacy | Paid Program
    • SAP BrandVoice: 4 Ways A Cloud ERP Can Unleash AI Potential | Paid Program
  • Advertise with Forbes
  • Report a Security Issue
  • Editorial Values and Standards
  • Site Feedback
  • Contact Us
  • Careers at Forbes
  • Tips
  • Corrections
  • Privacy
  • Do Not Sell My Personal Information
  • Terms
  • AdChoices
  • Reprints & Permissions
  • © 2025 Forbes Media LLC. All Rights Reserved.
Subscribe
Home Improvement
  • Home Services
  • Solar
  • Internet Service Providers
  • Home Warranty
  • Home Security
  • Car Shipping
  • Moving
We independently select all products and services. If you click through links we provide, we may earn a commission. Learn More.
Advertiser Disclosure

The Forbes Home editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Home site. This compensation comes from two main sources. First, we provide paid placements to advertisers to present their offers. The compensation we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market. Second, we also include links to advertisers’ offers in some of our articles; these “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Home. While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Home does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

  • Home Improvement
  • Home Warranty
  • Best Home Warranty Companies In Minnesota

Best Home Warranty Companies In Minnesota

Audited & Verified: Mar 25, 2024, 1:24pm

Emily Glover Staff Writer
As a writer for Forbes Home since 2021, Emily specializes in writing about home warranties, solar installations, car transportation and moving companies. With a background in journalism and experience as a three-time homeowner, Emily uses deep resear...
See Full Bio See Full Bio
  • Linkedin icon
close icon
Emily Glover Staff Writer
As a writer for Forbes Home since 2021, Emily specializes in writing about home warranties, solar installations, car transportation and moving companies. With a background in journalism and experience as a three-time homeowner, Emily uses deep resear...
See Full Bio See Full Bio
  • Linkedin icon
Written By
Emily Glover
Emily Glover Staff Writer
As a writer for Forbes Home since 2021, Emily specializes in writing about home warranties, solar installations, car transportation and moving companies. With a background in journalism and experience as a three-time homeowner, Emily uses deep resear...
See Full Bio See Full Bio
  • Linkedin icon
close icon
Emily Glover Staff Writer
As a writer for Forbes Home since 2021, Emily specializes in writing about home warranties, solar installations, car transportation and moving companies. With a background in journalism and experience as a three-time homeowner, Emily uses deep resear...
See Full Bio See Full Bio
  • Linkedin icon
Staff Writer
Kristin Salaky Staff Editor
Kristin is a lead editor at Forbes Home and has nearly a decade of professional experience as a writer and editor. She's previously worked at sites like Talking Points Memo, Insider, Delish, Angi and HomeAdvisor. She has a passion for lifestyle topic...
See Full Bio See Full Bio
  • Linkedin icon
close icon
Kristin Salaky Staff Editor
Kristin is a lead editor at Forbes Home and has nearly a decade of professional experience as a writer and editor. She's previously worked at sites like Talking Points Memo, Insider, Delish, Angi and HomeAdvisor. She has a passion for lifestyle topic...
See Full Bio See Full Bio
  • Linkedin icon
Kristin Salaky
Kristin Salaky Staff Editor
Kristin is a lead editor at Forbes Home and has nearly a decade of professional experience as a writer and editor. She's previously worked at sites like Talking Points Memo, Insider, Delish, Angi and HomeAdvisor. She has a passion for lifestyle topic...
See Full Bio See Full Bio
  • Linkedin icon
close icon
Kristin Salaky Staff Editor
Kristin is a lead editor at Forbes Home and has nearly a decade of professional experience as a writer and editor. She's previously worked at sites like Talking Points Memo, Insider, Delish, Angi and HomeAdvisor. She has a passion for lifestyle topic...
See Full Bio See Full Bio
  • Linkedin icon

Reviewed By

| Staff Editor
& 1 other
Audited & Verified: Mar 25, 2024, 1:24pm
We earn a commission from partner links on Forbes Home. Commissions do not affect our editors' opinions or evaluations.

From a refrigerator that stops cooling when it was fully restocked to a furnace that goes out during a Minnesota cold snap, there can be many unexpected expenses that go along with homeownership. Having a home warranty in place can help you avoid some of the biggest repair and replacement costs associated with appliances and systems. With a variety of plans available at a range of price points, there are home warranty companies in Minnesota to suit just about any needs.

In addition to a homeowner’s insurance policy, a home warranty can help you round out how your home is protected. Terms and conditions vary by company, but most plans are available to new or existing homeowners. To help your research process, we used a detailed methodology to sort through the options and determine the best home warranty companies in Minnesota.

How We Selected the Best Home Warranty Companies

We developed our list of the best home warranty companies by first identifying competitors that met basic criteria, then reviewing 54 home warranty plans among the most widely available companies from that list and scoring them all based on 26 different attributes. We further pared our list down to the top companies.

Our ratings take into consideration numerous factors and subcategories such as pricing, what’s included in coverage, credibility and customer satisfaction, customer support, signup and restrictions, the option to pick your own technician, contract cancellation, discount availability, property types covered and nationwide availability. All ratings are determined solely by the editorial team.

Why you can trust Forbes Home: The Forbes Home team is committed to bringing you independent, unbiased ratings and information. We use data and expert advice to inform all of our content. Plus, our advisory board of licensed professionals fact-checks and reviews our content for accuracy and relevancy.

Show More
Home Warranty Guides
  • Best Home Warranty Companies
  • Best Home Appliance Insurance
  • Cheapest Home Warranty Companies
  • Best Home Warranty Companies In California
  • Best Home Warranty Companies In Texas
  • Best Home Warranty Companies In Florida
  • Best Home Warranty Companies In Arizona
  • Best Home Warranty Companies In New Jersey
{{ showSummarySection ? 'Hide Summary' : 'Show Summary' }}
  • 5 Best Home Warranty Companies in Minnesota
  • AFC Home Club
  • Liberty Home Guard
  • American Home Shield
  • Cinch Home Services
  • Home Warranty of America (HWA)
  • Summary: 5 Best Home Warranty Companies in Minnesota
  • What Is a Home Warranty, and Why Do You Need One?
  • How Much Do Home Warranties Cost in Minnesota?
  • How to Choose a Home Warranty in Minnesota
  • Methodology
  • Frequently Asked Questions (FAQs)

Featured Partners

Advertisement
advertisement details
THIS IS AN ADVERTISEMENT AND NOT EDITORIAL CONTENT. Please note that we do receive compensation for any products you buy or sign up to via this advertisement, and that compensation impacts the ranking and placement of any offers listed herein. We do not present information about every offer available. The information and savings numbers depicted above are for demonstration purposes only, and your results may vary.

1

Select Home Warranty

Plans Available

3

Response Time

Great

Number of States

46 + District of Columbia

1

Select Home Warranty

888-586-0517
Get A Free Quote

On Select Home Warranty's Website

2

Choice Home Warranty

Plans Available

2

Response Time

Excellent

Number of States

49 + District of Columbia

2

Choice Home Warranty

877-804-0810
Get A Free Quote

On Choice Home Warranty's Website

3

American Home Shield

Plans Available

3

Response Time

Excellent

Number of States

48 + District of Columbia

3

American Home Shield

888-616-7151
Get A Free Quote

On American Home Shield's Website

5 Best Home Warranty Companies in Minnesota

  • AFC Home Warranty
  • Liberty Home Guard
  • American Home Shield
  • Cinch Home Services
  • Home Warranty of America (HWA)

Best Overall

AFC Home Warranty

Get Free Quote
On AFC's Website
4.8
Forbes Home Improvement
All ratings are determined solely by our editorial team.
Plans Available
4
Response Time
Excellent
Nationwide Coverage
49 + District of Columbia
4.8
Forbes Home Improvement
All ratings are determined solely by our editorial team.

Best Overall

AFC Home Warranty

Plans Available
4

Response Time
Excellent

Nationwide Coverage
49 + District of Columbia

Get Free Quote
On AFC's Website
Why We Picked It

If it’s important to you that your home warranty company offers a variety of options, AFC Home Warranty deserves your consideration. With four plans that each offer three levels of service fees, customers have good control over the pricing. Another notable distinction for AFC Home Warranty is that workmanship is guaranteed for the lifetime of the customer’s plan, which can be a maximum of three years.

Appliances and systems with preexisting issues can’t get coverage under AFC’s plans, which is a fairly standard industry policy. Unlike many other companies, AFC does allow customers to select their own repair technicians or get a contractor referred through the company.

Read more: AFC Home Warranty review

Pros & Cons
  • Lifetime workmanship guarantee
  • Customers can select technicians
  • No inspection necessary for coverage
  • Preexisting problems aren’t covered
  • Claims must be submitted immediately
  • Steep cancellation fee
Plans and Coverage

AFC Home Warranty offers four coverage plans. Within each plan, customers have their choice of three service fee tiers: $75, $100 or $125. Prices for the plans vary by location. Plan prices decrease at the higher service fee tiers.

  • Systems Plan: Coverage includes six main home systems—air conditioning, heating, electrical, plumbing, ductwork and water heaters.
  • Silver Plan: Coverage includes essential appliances—washers and dryers, refrigerators, ranges, ovens, dishwashers, garbage disposals and garage door openers.
  • Gold Plan: Coverage combines the Systems Plan and Silver Plan to include both major systems and appliances.
  • Platinum Plan: Coverage includes everything from the Gold Plan plus ice makers, built-in microwaves, attic or ceiling fans and plumbing stoppages. This is the most comprehensive plan.
PLAN MONTHLY PRICE*
Systems
$41.83
Silver
$32.42
Gold
$49.17
Platinum
$54.08
*Price as quoted for a single-family home with the highest service fee. This cost may vary based on your location and other factors.

You can add extra services and coverage for the following items and systems:

  • Electronics
  • Sump pump
  • Central vacuum
  • Septic system
  • Pool and spa
  • Stand-alone freezer
  • Roof leak repair

Liberty Home Guard

Learn More
On Liberty Home Guard's Website
4.8
Forbes Home Improvement
All ratings are determined solely by our editorial team.
Plans Available
3
Response Time
Excellent
Nationwide Coverage
50 + District of Columbia
4.8
Forbes Home Improvement
All ratings are determined solely by our editorial team.

Liberty Home Guard

Plans Available
3

Response Time
Excellent

Nationwide Coverage
50 + District of Columbia

Learn More
On Liberty Home Guard's Website
Why We Picked It

Excellent customer service really sets Liberty Home Guard apart from the competition. That’s a big deal when it comes time to make a claim, especially if you need a timely response for a major repair. As a result, Liberty has impressive customer reviews—including a 4.6 rating with Trustpilot as of July 2023.

Liberty also offers high coverage limits and highly customizable plans. In exchange, the price points for plans are slightly higher than other options. But with three plans available, most customers can find something that suits their needs.

Read more: Liberty Home Guard review

Pros & Cons
  • 24/7 customer support and live chats
  • Highly customizable plans
  • Impressive customer ratings
  • Claims must be made quickly to remain valid
  • Workmanship guarantee limited to 60 days
  • Higher plan prices than average
Plans and Coverage

There are three coverage plans through Liberty Home Guard plus dozens of add-on options. Prices for packages range from $49.99 to $59.99 per month, with service fees ranging from $65 to $125 depending on your plan.

  • Appliance Guard: Coverage includes major home appliances—clothes washers and dryers, refrigerators, built-in microwaves, dishwashers, garbage disposals, ovens, cooktops, garage door openers and ceiling or exhaust fans. This plan also covers parts and components.
  • Systems Guard: Coverage includes major home systems—air conditioning, heating, ductwork, plumbing, electrical and water heaters. This plan also covers parts and components.
  • Total Home Guard: Coverage combines Appliance Guard and Systems Guard to be the company’s most comprehensive plan.
PLAN MONTHLY PRICE*
Appliance Guard
$49.99
Systems Guard
$54.99
Total Home Guard
$59.99
*Price as quoted for a single-family home with the highest service fee. This cost may vary based on your location and other factors.

A large selection of additional coverage points include:

  • Pool and spa
  • Sump pump
  • Well pump
  • Central vacuum
  • Additional spa
  • Septic system pumping
  • Stand-alone freezer
  • Limited roof leaks
  • Lighting fixtures
  • Re-key
  • Gutter cleaning
  • Pest control

American Home Shield

Get A Free Quote
On American Home Shield's Website
4.8
Forbes Home Improvement
All ratings are determined solely by our editorial team.
Plans Available
3
Response Time
Excellent
Nationwide Coverage
49
4.8
Forbes Home Improvement
All ratings are determined solely by our editorial team.

American Home Shield

Plans Available
3

Response Time
Excellent

Nationwide Coverage
49

Get A Free Quote
On American Home Shield's Website
Why We Picked It

If you’re looking for high coverage limits and coverage for preexisting conditions, American Home Shield checks the boxes. In business for nearly 50 years, the company has earned a solid reputation based on its customizable policies, pick-your-own service fees and responsive customer service.

Workmanship guarantees are limited to just 30 days, but there are plenty of other benefits to going with American Home Shield—including coverage for rust, sediment and other issues that may cause other companies to disqualify claims.

Read more: American Home Shield review

Pros & Cons
  • No inspection necessary
  • High coverage caps
  • No limit on repairs
  • Limited workmanship guarantees
  • Few add-ons
  • Discourages hiring your own contractors
Plans and Coverage

The three plans from American Home Shield respectively cover major appliances, home systems and a combination of both. There are three tiers for service fees: $75, $100 or $125. The higher the service fee the customer selects, the lower the plan price. Prices vary by location.

  • SilverShield: Coverage includes 14 essential home systems, such as heating, air conditioning, electrical and plumbing. There are also discounted home maintenance services.
  • ShieldGold: Coverage includes 23 major systems and appliances. This plan combines everything from SilverShield, plus kitchen and laundry appliances. American Home Shield says this is the most popular plan.
  • ShieldPlatinum: Coverage in this comprehensive plan includes systems, appliances and roof leaks. In addition to the covered items, this plan comes with free HVAC tune-ups, higher coverage limits and more perks.
PLAN MONTHLY PRICE*
SilverShield
$19.99
ShieldGold
$39.99
ShieldPlatinum
$69.99
*Price as quoted for a single-family home with the highest service fee. This cost may vary based on your location and other factors.

You can add extra services and coverage for the following items and systems:

  • Pool and built-in spa equipment
  • Electronics Protection Plan
  • Guest units
  • Septic pump
  • Well pump
  • Roof leak repairs

Cinch Home Services

Get A Free Quote
On Cinch's Website
4.4
Forbes Home Improvement
All ratings are determined solely by our editorial team.
Plans Available
3
Response Time
Excellent
Nationwide Coverage
48
4.4
Forbes Home Improvement
All ratings are determined solely by our editorial team.

Cinch Home Services

Plans Available
3

Response Time
Excellent

Nationwide Coverage
48

Get A Free Quote
On Cinch's Website
Why We Picked It

With competitive prices for plans that offer comprehensive coverage, Cinch also guarantees quick responses to claims—like within two hours during the business day. Customers also get to pick their own service fee tier ranging from $100 to $150. Although you cannot select an independent contractor, the company’s contractor-rating service is a helpful and unique tool.

Cinch recently rebranded from Cross Country Home Services and has been in business since 1979. The company has some helpful extras that aren’t common among home warranty companies, including appliance part coverage, a digital dashboard and credits that can go toward AC or refrigerator filters.

Read more: Cinch Home Services review

Pros & Cons
  • 180-day workmanship guarantees
  • Possible coverage for preexisting conditions
  • Quick claim responses
  • High service fees
  • Customers can’t hire their own contractors
  • Limits add-ons
Plans and Coverage

Three coverage plans from Cinch Home Services that respectively cover appliances, home systems and a combination of the two. Customers get to pick from three service fees, $100, $125 or $150, which affect the price of the plans.

  • Appliances Plan: Coverage includes appliances, such as clothes washers and dryers, cooktops, dishwashers, freestanding ice makers, built-in food centers, built-in microwaves, ranges, range exhaust hoods, refrigerators, built-in trash compactors and wall ovens.
  • Built-In Systems Plan: Coverage includes major home systems—electrical, plumbing, heating and cooling—plus central vacuums, sump pumps, smoke detectors and more.
  • Complete Home Plan: Coverage in this comprehensive plan combines everything from the Appliances and Built-In Systems plans.
PLAN MONTHLY PRICE*
Appliances Plan
$34.99
Built-In Systems Plan
$39.99
Complete Home Plan
$49.99
*Price as quoted for a single-family home with the highest service fee. This cost may vary based on your location and other factors.

You can add extra services and coverage for the following items and systems:

  • Swimming pool and spa equipment
  • Free-standing freezer
  • Septic system
  • Well pump
  • Water softener
  • Outside gas line
  • Outside sewer
  • Outside water line

Home Warranty of America (HWA)

Learn More
Via HWA's Website
4.4
Forbes Home Improvement
All ratings are determined solely by our editorial team.
Plans Available
2
Response Time
Excellent
Nationwide Coverage
50 + District of Columbia
4.4
Forbes Home Improvement
All ratings are determined solely by our editorial team.

Home Warranty of America (HWA)

Plans Available
2

Response Time
Excellent

Nationwide Coverage
50 + District of Columbia

Learn More
Via HWA's Website
Why We Picked It

While Home Warranty of America just offers two plans, those plans are easy to understand and comprehensive. Plus, customers can add on additional coverages from a longer list—which means you’re only paying for what you need.

Home Warranty of America pulls contractors from an expansive network for timely claims responses. Customers can get started at any time (not just when buying a new home) and an inspection isn’t necessary for coverage. The company also has a replacement program for high-efficiency appliances.

Read more: Home Warranty of America review

Pros & Cons
  •  Comprehensive plans plus more add-ons
  • No appliance or system age limits
  • No inspections
  • Early cancellation charges
  • Higher starting price points
  • No independent contractor selection
Plans and Coverage

There are two straightforward coverage plans from Home Warranty of America: the Premier Plan and Premier Plan Plus. Additional systems and appliances can be bundled with a plan for an extra fee. There are two service fee tiers: $75 and $100.

  • Premier Plan: Basic coverage includes appliances—dishwashers, ranges and more. Premier coverage with higher replacement limits includes major systems and appliances—refrigerators, washers and dryers and more.
  • Premier Plan Plus: Coverage includes everything from the Premier Plan with higher repair and replacement limits. Coverage is also extended to air conditioning units, which are not covered by the Premier Plan.
PLAN MONTHLY PRICE*
Premier Plan
$46.04
Premier Plan Plus
$57.92
*Price as quoted for a single-family home with the highest service fee. This cost may vary based on your location and other factors.

You can add extra services and coverage for the following items and systems:

  • Pool and spa
  • Septic systems
  • SEER Modification
  • Well or septic pumps
  • Re-keying

Summary: 5 Best Home Warranty Companies in Minnesota

AFC Home Warranty
AFC Home Warranty
Forbes Home Desktop Logo Forbes Home Mobile Logo
4.8
Get A Free Quote
On AFC's Website
Plans Available
4
Response Time
Excellent
Nationwide Coverage
Excellent
Liberty Home Guard
Liberty Home Guard
Forbes Home Desktop Logo Forbes Home Mobile Logo
4.8
Get A Free Quote
On Liberty Home Guard's Website
Plans Available
3
Response Time
Excellent
Nationwide Coverage
Excellent
American Home Shield
American Home Shield
Forbes Home Desktop Logo Forbes Home Mobile Logo
4.8
Get A Free Quote
On American Home Shield's Website
Plans Available
3
Response Time
Excellent
Nationwide Coverage
Excellent
Cinch Home Services
Cinch Home Services
Forbes Home Desktop Logo Forbes Home Mobile Logo
4.4
Get A Free Quote
On Cinch's Website
Plans Available
3
Response Time
Excellent
Nationwide Coverage
Excellent
Home Warranty of America (HWA)
Home Warranty of America (HWA)
Forbes Home Desktop Logo Forbes Home Mobile Logo
4.4
Get A Free Quote
On HWA's Website
Plans Available
2
Response Time
Excellent
Nationwide Coverage
Excellent
PRODUCT FORBES HOME RATING PLANS AVAILABLE RESPONSE TIME NATIONWIDE COVERAGE LEARN MORE
AFC Home Warranty
AFC Home Warranty
Forbes Home Desktop Logo Forbes Home Mobile Logo
4.8
4
Excellent
Excellent
Get A Free Quote
On AFC's Website
Liberty Home Guard
Liberty Home Guard
Forbes Home Desktop Logo Forbes Home Mobile Logo
4.8
3
Excellent
Excellent
Get A Free Quote
On Liberty Home Guard's Website
American Home Shield
American Home Shield
Forbes Home Desktop Logo Forbes Home Mobile Logo
4.8
3
Excellent
Excellent
Get A Free Quote
On American Home Shield's Website
Cinch Home Services
Cinch Home Services
Forbes Home Desktop Logo Forbes Home Mobile Logo
4.4
3
Excellent
Excellent
Get A Free Quote
On Cinch's Website
Home Warranty of America (HWA)
Home Warranty of America (HWA)
Forbes Home Desktop Logo Forbes Home Mobile Logo
4.4
2
Excellent
Excellent
Get A Free Quote
On HWA's Website

What Is a Home Warranty, and Why Do You Need One?

Although terms and conditions vary significantly by company and within plans, home warranties generally provide coverage if normal wear and tear cause a covered item to break down.

For example, say you have a $50 per month home warranty plan in place that comes with a $100 service fee. If your HVAC system goes out and would otherwise cost $1,200 to repair, your home warranty plan may cover the full repair costs. If a contractor determines the item needs to be replaced, the plan could also cover those costs.

Although this is no replacement for homeowner’s insurance, home warranties can extend the protection that homeowners have against major expenses. Most home warranty policies can be purchased at any time, not just when buying a new home. Some companies require an inspection and it’s rare for appliances or systems with preexisting conditions to be covered—although that is possible.

If you have a newly constructed home, the appliances and systems within may be under manufacturer warranties and a home warranty wouldn’t be of much help, so be sure to do your research and find out what you actually need to cover before jumping in.


How Much Do Home Warranties Cost in Minnesota?

Based on the best home warranty companies cited here, the average price for basic home warranty policies is $38.57 per month while the average price for more comprehensive policies is $58.39 per month. Keep in mind that these costs do not include service fees that apply at the time of getting a house call. Most companies also require contracts and charge a cancellation fee if you ask to end the contract early.


How to Choose a Home Warranty in Minnesota

There are great home warranty companies in Minnesota that can help protect you against unpleasant, unexpected expenses if an appliance or household system has a problem. That said, you will want to independently research the companies, read the full terms and conditions, and understand your own priorities to find the best company for you.

Your Budget

As a rule of thumb, the less you pay for a home warranty, the fewer items and lower coverage limits you can expect to receive. In contrast, if you are able to pay more per month, you can have more comprehensive coverage and higher coverage limits. Some companies allow customers to pick their own service fee charge, which tends to range from $75 to $150 and is only paid if you need to make a claim.

Your Needs

It can be hard to predict which appliances or systems in your house are going to experience problems—especially because most home warranty plans don’t extend coverage for items with preexisting conditions. That said, if you are picking a plan, you will likely have your choice of one that mainly covers appliances, one that mainly covers systems and one that covers a combination. If you have other specific needs, such as a pool or guest house, consider whether that can be added onto a plan.

The Terms

Beyond knowing what items are covered by your home warranty plan, you should also know the coverage limits, the rules for making a claim, what maintenance documentation is needed, whether you can hire your own contractor and so on. There are also varying terms for how long workmanship is guaranteed and if there is a cancellation penalty if you break your contract early.

Be sure to read the fine print, too. Many companies don’t allow new customers to make a claim for a certain period of time after the contract begins. If you have the misfortune of your refrigerator breaking one week into the contract, you may not be able to get coverage yet—so that’s something to keep in mind.

Additional Factors

Other questions to ask yourself when deciding on a home warranty company include:

  • What appliances and systems are covered? What’s excluded?
  • What can you add on?
  • Are there age limits for appliances or systems?
  • What maintenance documentation is needed?
  • Can you hire your own contractor?
  • What are the service fees?
Advertisement
THIS IS AN ADVERTISEMENT AND NOT EDITORIAL CONTENT. Please note that we do receive compensation for any products you buy or sign up to via this advertisement, and that compensation impacts the ranking and placement of any offers listed herein. We do not present information about every offer available. The information and savings numbers depicted above are for demonstration purposes only, and your results may vary.

Find the top ranked home warranty company in your area

Home warranties can protect you against unexpected expenses. Click on your state today to find out more.

Get Started

Methodology

To determine the home warranty companies ranking, the Forbes Home editorial team analyzed 54 companies, with each company’s star rating determined by evaluating a variety of metrics and subcategories, including:

Pricing (17%)

When looking at pricing, we looked at subcategories such as example pricing as shown on the website, instant quotes and highest and lowest service fees.

What’s Included in Coverage (12%)

The number of covered items in the policies and the number of optional items available for coverage determined the included coverage rating.

Credibility and Customer Satisfaction (19%)

Credibility and customer satisfaction ratings were determined by each company’s BBB grade, accreditation, reviews, complaints and the number of years in business, as well as consumer ratings on Trustpilot and Google Maps.

Customer Support (4%)

When ranking each company on customer support, we looked at service request methods and availability.

Sign-up and Restrictions (8%)

Sign-up and restriction ratings were based on the number of plans available, whether or not an inspection is required, available contract terms and whether or not age of the system is a factor for denying coverage.

Best Home Warranty Companies By State

  • Arkansas
  • Arizona
  • Alabama
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Houston
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin

Option to Pick Your Own Technician (5%)

Category rating was based on whether customers have the option of choosing their technician or if the company assigns one.

Contract Cancelation (5%)

We looked at any fees or penalties resulting from discontinuing coverage before the company’s threshold.

Discount Availability (3%)

Discount ratings for each company were determined by the availability of veteran or military discounts and any sign-up price reductions.

Property Types Covered (3%)

When rating for property types covered, we examined coverage availability for homes such as mobile or manufactured houses, condos and rental properties in addition to typical single-family home coverage.

Nationwide Availability (19%)

Ratings for nationwide availability include the number of states plus D.C. in which coverages are available.

Other Editorial Judgment Points (5%)

We added or removed additional points based on average service fees and customer representative responsiveness.

All figures and facts were accurate at the time of first publication.

Compare Quotes From Top-rated Home Warranty Companies

Home warranties can protect you against unexpected expenses. Receive a custom quote today.

Advertisement
THIS IS AN ADVERTISEMENT AND NOT EDITORIAL CONTENT. Please note that we do receive compensation for any products you buy or sign up to via this advertisement, and that compensation impacts the ranking and placement of any offers listed herein. We do not present information about every offer available. The information and savings numbers depicted above are for demonstration purposes only, and your results may vary.
Get Started

Frequently Asked Questions (FAQs)

What are common home warranty claims in Minnesota?

Unlike homeowners’ insurance policies, home warranties don’t protect against catastrophic damage or natural weather events. For that reason, home warranty claims in Minnesota aren’t all that different than those in, say, Florida—even if winter weather takes a greater toll up north. Around the country, common home warranty claims include refrigerator problems, issues with the HVAC system and so on.

What happens if a home warranty is not honored?

Most home warranty policies are accompanied by long terms and conditions pages, which you should read thoroughly before signing the contract. If you make a home warranty claim that is not honored despite being within your policy’s coverage, Minnesota law is for the dispute to be handled through a civil lawsuit.

How do you negotiate a home warranty?

Most home warranty companies offer clear plans that leave little room for negotiation. However, you can keep control over your budget by opting for a company that allows you to select your own service fee tier or one that starts with small plans and allows for ample add-ons.

Is there a difference between homeowner’s insurance and home warranty?

Yes, there is a big difference between homeowner’s insurance and home warranty policies. Namely, home warranty policies offer coverage if there are issues with appliances or household systems due to normal wear and tear. On the other hand, homeowner’s insurance policies offer coverage of your home’s structure in the event of destruction or damage that could not have been foreseen, such as a natural disaster.

More Home Warranty Resources

  • Best Home Warranty Companies
  • Cheapest Home Warranty Companies
  • How Much Does A Home Warranty Cost?
  • How Does A Home Warranty Work?
  • Are Home Warranties Worth It?
  • How To Buy A Home Warranty
Information provided on Forbes Home is for educational purposes only. The products and services we review may not be right for your individual circumstances.

Forbes Home adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.

Emily Glover
Emily Glover Staff Writer

As a writer for Forbes Home since 2021, Emily specializes in writing about home warranties, solar installations, car transportation and moving companies. With a background in journalism and experience as a three-time homeowner, Emily uses deep research and insights to cover a variety of topics.

Kristin Salaky
Kristin Salaky Staff Editor

Kristin is a lead editor at Forbes Home and has nearly a decade of professional experience as a writer and editor. She's previously worked at sites like Talking Points Memo, Insider, Delish, Angi and HomeAdvisor. She has a passion for lifestyle topics and has extensive experience researching and reporting on topics that will help make your house a home.

Home Warranty Guides
  • Best Home Warranty Companies
  • Best Home Appliance Insurance
  • Cheapest Home Warranty Companies
  • Best Home Warranty Companies In California
  • Best Home Warranty Companies In Texas
  • Best Home Warranty Companies In Florida
  • Best Home Warranty Companies In Arizona
  • Best Home Warranty Companies In New Jersey
© 2025 Forbes Media LLC. All Rights Reserved.
  • AdChoices
  • AdChoices
  • Privacy Statement
  • Do Not Sell or Share My Personal Information
  • Limit the Use of My Sensitive Personal Information
  • Privacy Preferences
  • Digital Terms of Sale
  • Terms of Service
  • Contact Us
  • Send Us Feedback
  • Report a Security Issue
  • Jobs At Forbes
  • Reprints & Permissions
  • Forbes Press Room
  • Advertise