Home Warranty Companies in Minnesota
2026 State Guide
Our data lists 11 of the 15 companies we track as serving Minnesota. AFC Home Club ranks first among them at 8.2 out of 10. Minnesota has warmed by more than 2.5 degrees F since the early 1900s.
Companies Available
11
of 15 tracked
Top 3 Picks From
$37
per month, by plan
Primary Risk
Heat
heating, our reading
Regulator
Minnesota Department of Commerce
Service contract law
Minnesota State Snapshot
Housing units
2,575,411
Owner-occupied rate
72.4% (US 65%)
Median home value
$305,500
Primary HVAC risk
Heating (our reading)
Companies listed
11 of 15 tracked
Regulatory body
Minnesota Department of Commerce
72.4% of Minnesota homes are owner-occupied, above the 65% national rate, and the median owner-occupied home is worth $305,500, 1% higher than the national median of $303,400.
Source: Census Bureau QuickFacts for Minnesota. Census Bureau QuickFacts: housing units are the July 1, 2023 estimate; owner-occupied rate and median value are 2019-2023 American Community Survey 5-year estimates.
In Minnesota's largest city, Minneapolis, 47.7% of homes are owner-occupied and the median owner-occupied home is worth $362,200.
Source: Census Bureau QuickFacts for Minneapolis, 2020-2024 American Community Survey 5-year estimates (the current QuickFacts release). The state figures above come from an earlier release, so we do not compare the two.
Get a Home Warranty Match
Not sure which company is right for your home? Answer a few quick questions and get a personalized home warranty match in minutes. This is a sponsored partner link, and we may earn a commission.
Climate and Coverage Context
Minnesota's climate puts heating under strain, in our reading
Minnesota has warmed by more than 2.5 degrees F since the early 1900s. Its continental position exposes it to Arctic air in winter and Gulf moisture in summer: winters are cold in the south and frigid in the north, and summers are mild to occasionally hot in the south and cool in the north. Spring precipitation is projected to rise by about 15 to 20 percent by midcentury, with heavier extreme rain events and more flood risk.
Heating does most of the work here, so check that a plan covers furnaces and boilers and what its HVAC cap is.
Source: NOAA NCEI State Climate Summary for Minnesota (2022). Which system is under the most strain is our reading of those facts, not a figure from the summary.
Cap Gap Calculator and Company Comparison
Enter a replacement quote from a local HVAC contractor. Each row subtracts the company's highest HVAC cap from it. The starting $8,000 is an example, not a Minnesota estimate. 11 of 15 tracked companies serve Minnesota in our data; "Likely" and "Check" rows are not verified for Minnesota.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | MN |
|---|---|---|---|---|---|---|
| Old Republic Home Protection | ~$45-$80/mo | $6,500/unit | $1,500 | A+ | 8.4 | Check |
| AFC Home Club | $44-$82/mo | No cap | $0 over a per-unit cap (check the aggregate limit) | B | 8.2 | Likely |
| Liberty Home Guard | $49-$79/mo | $2,000/unit | $6,000 | NR | 7.9 | Yes |
| First American Home Warranty | ~$37-$65/mo | Unconfirmed | Cap unconfirmed | B+ | 7.4 | Yes |
| Armadillo Home Warranty | from $39.99/mo | $3,000/unit | $5,000 | NR | 6.9 | Yes |
| HomeServe USA | $3.99-$55.99/mo | Unconfirmed | Cap unconfirmed | A+ | 6.9 | Likely |
| American Home Shield | $29.99-$89.99/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| 2-10 Home Buyers Warranty | ~$35-$70/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| HSA Home Warranty | ~$41-$53/mo | Unconfirmed | Cap unconfirmed | B+ | 6.3 | Likely |
| ARW Home | $45.99-$67.99/mo | Unconfirmed | Cap unconfirmed | A | 5.9 | Likely |
| Home Warranty of America | from ~$48.33/mo | $5,000/unit | $3,000 | C/NR | 5.9 | Check |
| Choice Home Warranty | ~$49-$58/mo | $3,000 combined | $5,000 | B | 5.6 | Yes |
| Select Home Warranty | ~$46-$62/mo | Unconfirmed | Cap unconfirmed | B- | 5.6 | Check |
| ServicePlus Home Warranty | ~$41-$50/mo | Unconfirmed | Cap unconfirmed | B | 5.2 | Check |
| Cinch Home Services | ~$28-$62/mo | $1,500 combined | $6,500 | B+ | 5.1 | Yes |
The cap shown is the largest across a company's plans, so a lower plan may pay less. The service fee per claim is extra and is on each review. Caps marked unconfirmed could not be verified in our research; check the contract schedule.
Top 3 Picks for Minnesota
Highest overall score among companies that serve Minnesota, leaving out companies we recommend against. How scores work.
Not Available or Unverified in Minnesota
Check availability: Old Republic Home Protection, Home Warranty of America, Select Home Warranty, ServicePlus Home Warranty
These companies serve only some states and we have not verified Minnesota. They appear in the comparison table marked "Check". Ask the company before you rely on them.
How Minnesota Regulates Home Warranties
Regulator
Minnesota Department of Commerce
Legal framework
Service contracts statute (Minnesota Statutes chapter 59B)
Minnesota's Chapter 59B sets a legal framework for selling service contracts, with the Commerce Commissioner as the regulator, including transaction requirements, required disclosures, prohibited acts and reimbursement insurance. Service contract providers are exempt from the state's other insurance laws except as section 72A.20, subdivision 38 provides. The chapter exempts warranties, maintenance agreements, and warranties, service contracts or maintenance agreements offered by public utilities or their affiliates, and we did not find a provision written specifically for home warranties. Confirm with the Department of Commerce whether a given home warranty product falls under Chapter 59B.
Type of rules: General service contract law. A service contract law with registration, bonding or disclosure rules. Whether it reaches a particular home warranty plan was not confirmed.
Partly confirmed. The summary says which points we could not confirm. Researched October 2026; laws and agency pages change, so confirm with the regulator before you rely on a detail.
Sources for this section
- Find the current complaint form or phone line in the NAIC directory of state insurance departments.
- Compare all 50 states in the state home warranty laws table and read your refund and cancellation rights.
- If a claim is denied, follow how to fight a denial.
Consumer Tips for Minnesota Homeowners
Check the company's registration
Minnesota regulates service contracts under a general law with registration, bonding or disclosure rules, and we could not confirm how it applies to every home warranty plan. Ask the Minnesota Department of Commerce whether the company is registered.
Do the cap math for your own system
Get a replacement quote from a local HVAC contractor, then enter it in the calculator above. Our top-ranked option here, AFC Home Club, has an HVAC cap of No cap; the difference between your quote and each company's cap is your out-of-pocket cost if the system fails completely. Details
Confirm coverage for your address
4 companies in our data serve only some states and are marked "check availability" for Minnesota. Confirm with the company that your address is covered before you spend time on a quote.
Filing a Complaint in Minnesota
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. Minnesota's state office below takes consumer complaints about businesses in general, so it is a place to file a home warranty dispute, but it is not a home warranty regulator by that fact alone. Who regulates the contract is covered in the regulation section above.
Minnesota Attorney General: file a complaint
The office offers an informal complaint resolution service. It cannot force a company to respond and cannot file lawsuits on behalf of individuals.
This paraphrases the office's own page as found in October 2026. Offices change their forms and procedures, so confirm on the page before you file.
Frequently Asked Questions - Minnesota
Which home warranty companies serve Minnesota?
What is the best home warranty company in Minnesota?
Which home warranty plan has the highest HVAC coverage in Minnesota?
How much does a home warranty cost in Minnesota?
How does Minnesota's climate affect which plan to buy?
Where do I file a home warranty complaint in Minnesota?
How are home warranties regulated in Minnesota?
Neighboring States
Compare All Minnesota-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves Minnesota, so you do not spend time on quotes from companies that do not operate here.
Regulation researched October 2026; housing figures from the Census Bureau and climate facts from NOAA NCEI as cited above. Company availability, pricing and coverage terms change. Verify current details directly with each company before purchasing. Reference: NAIC state insurance departments.