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Home warranty in Minnesota 

A home warranty plan can be a lifesaver for Minnesota homeowners, offering protection for your budget and peace of mind.

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Median MN home age

43 years

Average MN home maintenance costs

$1,352 per month

Average MN home warranty cost

$50-54 per month

TAKE THE UNCERTAINTY OUT OF HOMEOWNERSHIP

Find the perfect home warranty plan that puts you in control of your home.

TAKE THE UNCERTAINTY
OUT OF HOMEOWNERSHIP

Find the perfect home warranty plan that
puts you in control of your home.

Enter your zip code to begin your custom quote.

We use your zip code to ensure that your property is within our coverage area and to generate an approximate quote for our services.

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Why Cinch Home Services is among the best home warranty companies in Minnesota?

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We protect your systems and appliances no matter the age.†
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If we can't repair the covered item, we'll replace it.2
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We have plans and pricing to fit every budget.
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We guarantee our work for 6 months - at no additional cost.
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We don't require your inspection or maintenance records.
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Our provider network means we'll get the right person to fix your problem.

 

Common home repairs in The North Star State that can be covered

Minnesota's harsh winters and humid summers can take a toll on a home's essential systems and appliances. Here are the most common repairs that might impact Minnesota homeowners—and how a home warranty can step in.

Minnesota winters are legendary, with sub-zero temperatures that can strain HVAC systems. The summer heat, on the other hand, means air conditioning systems work overtime. A home warranty can help cover repairs or replacements when these critical systems fail due to regular wear and tear.

 

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Appliances like refrigerators, dishwashers, and washing machines, which are used constantly year-round, often experience breakdowns. A reliable home warranty ensures qualified technicians resolve these common problems quickly without breaking the bank.

Lastly, older electrical systems in Minnesota homes might need attention, especially in cities like St. Paul or Minneapolis, where the median home age exceeds 40 years. A home warranty plan can help cover repairs to wiring, outlets, and circuit breakers, sparing you from costly, unexpected expenses.

 

How does home warranty work in Minnesota

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Choose the best warranty plan for you.
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Request service anytime you need it.
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We’ll send out the experts to fix the problem.

Home warranty coverage: What your home warranty plan should include in Minnesota

Choosing the right home warranty provider is critical for Minnesota homeowners facing unique climate challenges. Here's what to consider when making your decision and understanding how to purchase a home warranty. Your plan in Minnesota should include:

When choosing a home warranty in Minnesota, look for plans that cover these essential systems and appliances:

Heating and cooling systems (HVAC)

  • Furnace and boilers
  • Air conditioning units
  • Heat pumps

Plumbing systems

  • Pipes and leaks
  • Water heaters
  • Sump pumps

Electrical systems

  • Wiring, breakers, and outlets
  • Ceiling fans
  • Garage door openers

Appliances

  • Refrigerators and freezers
  • Dishwashers and ovens
  • Washers and dryers

Cinch Home Services offers three comprehensive plans to fit every Minnesota homeowner's needs and budget:

Cinch Repair Only Plan

Starting at $32.99/month, this plan covers repairs to 37 essential home appliances and systems with up to $1,000 per covered repair and a $10,000 total limit per agreement term.

Cinch Repair + Replace Plan

Starting at $39.99/month, this plan goes beyond repairs to include replacements, offering up to $2,000 per covered appliance plus $500 homeowners insurance deductible reimbursement.

Cinch Repair + Replace Premier Plan

Starting at $49.99/month, our most comprehensive plan includes everything in the Repair + Replace Plan plus coverage for outside water, sewer and gas lines, and an additional $2,000 for expenses like electrical permits and equipment disposal.

What to look for in a home warranty provider in Minnesota

Finding the right home warranty plan might feel daunting. Here's what homeowners in Minnesota should keep in mind when selecting a provider:

Read reviews and customer testimonials
Look for home warranty companies with a proven reliability and customer satisfaction record. Check multiple review platforms, paying attention to glowing feedback and constructive criticism. Ensure you choose a provider that communicates effectively and delivers on their promises.

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Flexible plans and add-on options
Not all homes are the same, and your warranty shouldn't be, either. Opt for a plan that allows you to customize coverage, adding protection for specific items like sump pumps or specialty appliances if needed. Flexibility ensures you're not paying for unnecessary coverage.

Service fees and network quality
Home warranty deductibles vary, so select a provider with transparent pricing. Equally important is the network of technicians they offer. Quality technicians with fast response times can be the difference between a seamless repair experience and prolonged inconvenience.

By evaluating these factors, Minnesota homeowners can confidently choose a home warranty plan that aligns with their needs and budget.

Frequently asked questions

or call us: (866) 408-0024

 

When can you buy a home warranty in Minnesota?

In Minnesota, you can buy a home warranty at any time, regardless of the age of your home or how long you've lived there. 

What is a home warranty?

A home warranty is a service agreement between a homeowner and a company that states the terms under which the company will help cover the repair and maintenance costs of home systems and appliances for a given period. 

How long does a home warranty last in Minnesota?

 A home warranty in Minnesota typically lasts one year. 

Which Minnesota home warranty covers the most?

This depends on your specific plan with the home warranty company you select. At Cinch Home Services, our plans provide coverage for most household appliances and systems. 

Is there a difference between homeowners insurance and a home warranty in Minnesota?

Yes, here's an easy way to explain the difference between homeowners insurance and a home warranty. Homeowners insurance relates to catastrophic, unforeseen events such as accidents, fires and natural disasters. Home warranty protection, on the other hand, is related to the appliances and systems in your home that fail due to normal wear and tear. When things such as your HVAC or refrigerator stop working due to normal wear and tear, a home warranty plan is probably worth it and may make it easier (and cheaper) to repair or replace it. 

Is a home warranty required in Minnesota?

No, home warranties are not required in Minnesota. 

Who pays for the home warranty at closing?

 In real estate, a home warranty can be paid for by the buyer or the seller at closing. For the seller, paying for a home warranty can make the property seem more appealing and help reduce repairs while the home is on the market. From the buyer's perspective, having a home warranty can provide peace of mind when moving in – especially if they purchase an older home. 

How does a home warranty work for Minnesota real estate sellers?

Minnesota real estate sellers can acquire a home warranty plan for coverage for repairs or replacements of major appliances and home systems when they experience mechanical failure due to normal wear and tear during the listing period. Essentially, the home warranty helps protect the seller from unexpected repair costs if a covered item breaks down while the house is on the market. 

What happens with a home warranty lapse?

A home warranty lapse happens if you cancel your agreement or if your agreement isn't set to auto-renew and you forget to renew it. If this happens, you'll typically have to wait 30 days before your appliances and systems are covered again. During this lapsed period, you'll be financially responsible for any repairs you may need to your household appliances.

How can you renew your home warranty in Minnesota?

With most home warranty companies in Minnesota, you'll be notified in advance whether you need to renew, or if you're already on an automatically renewing plan, you'll also be notified of any rate and/or coverage changes, no less than 30 days before your current agreement expires. 

What customers say about our home warranties:
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Cinch Home Services has been pretty prompt in their response. To have a response within 72 hours is pretty amazing. They had to wait for a part but they've taken care of it satisfactorily. They covered their feet, they were very professional and seemed to be knowledgeable.
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My washing machine broke down and Cinch ordered the repair to be set up. A part kept being on backorder so they sent me a new washing machine. It was a great experience. They were very good about everything. I also had a claim for the refrigerator and it ended up being a lot more expensive and extensive repair than we originally thought it was going to be. So, that again, was a very good service I’m very happy.
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When I call Cinch, they've been all informational, excellent and knowledgeable. Ordered the parts and came right out. So far, they're on time, very easy to contact, schedule and very knowledgeable on what they do. I'm very happy with my experience with Cinch.
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Cinch has been very good. They come out right away. Generally, they schedule a service when it's convenient for us, and the technicians we've had have been very nice. Having the home warranty program gives us peace of mind. We got it when we bought a new refrigerator. And in the first year, the compressor went out.
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Calvin Maryland
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Cheryl Connecticut
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Frank Florida
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Julie Michigan
GET AN EXACT HOME
WARRANTY QUOTE FOR YOUR
MICHIGAN HOME

Call our team to get help on finding the right plan for your home
or get answers to any questions you may have.

TALK TO A HOME WARRANTY SPECIALIST

Vector(888) 488-9624

GET AN EXACT HOME
WARRANTY QUOTE FOR YOUR
WISCONSIN HOME

Call our team to get help on finding the right plan for your home
or get answers to any questions you may have.

TALK TO A HOME WARRANTY SPECIALIST

Vector(888) 488-9624

Some of the Minnesota cities where Cinch Home Services offers coverage:

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