Home Warranty Companies in North Dakota
2026 State Guide
Our data lists 10 of the 15 companies we track as serving North Dakota. AFC Home Club ranks first among them at 8.2 out of 10. North Dakota receives less snowfall than other northern states, averaging 30 to 55 inches a year, and very cold days have been below average since 2000.
Companies Available
10
of 15 tracked
Top 3 Picks From
$39
per month, by plan
Primary Risk
Heat
heating, our reading
Regulator
North Dakota Insurance Department
Home-specific rules
North Dakota State Snapshot
Top pick
AFC Home Club
Owner-occupied rate
63.4% (US 65%)
Median home value
$241,100
Primary HVAC risk
Heating (our reading)
Companies listed
10 of 15 tracked
Regulatory body
North Dakota Insurance Department
63.4% of North Dakota homes are owner-occupied, below the 65% national rate, and the median owner-occupied home is worth $241,100, 21% lower than the national median of $303,400.
Source: Census Bureau QuickFacts for North Dakota. 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 North Dakota's largest city, Fargo, 43.7% of homes are owner-occupied and the median owner-occupied home is worth $281,900.
Source: Census Bureau QuickFacts for Fargo, 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.
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Climate and Coverage Context
North Dakota's climate puts heating under strain, in our reading
North Dakota receives less snowfall than other northern states, averaging 30 to 55 inches a year, and very cold days have been below average since 2000. Annual precipitation ranges from less than 16 inches in the northwest to about 24 inches in the southeast.
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 North Dakota (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 North Dakota estimate. 10 of 15 tracked companies serve North Dakota in our data; "Likely" and "Check" rows are not verified for North Dakota.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | ND |
|---|---|---|---|---|---|---|
| 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 |
| 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 North Dakota
Highest overall score among companies that serve North Dakota, leaving out companies we recommend against. How scores work.
Not Available or Unverified in North Dakota
Our data lists First American Home Warranty as not serving North Dakota. It serves 35 states per our research.
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 North Dakota. They appear in the comparison table marked "Check". Ask the company before you rely on them.
How North Dakota Regulates Home Warranties
Regulator
North Dakota Insurance Department (role for property service contracts not confirmed)
Legal framework
Property service contracts exempt from the insurance title (2001 Senate Bill 2318)
North Dakota's 2001 Senate Bill 2318 (chapter 107 of the session laws, titled Property Service Contracts) says that marketing, selling, issuing or administering a property service contract is not subject to title 26.1, the insurance title. A property service contract is an agreement for a separate charge and a set term covering repair, replacement or maintenance after a failure from defects or normal wear, and the covered property may include residential appliances and residential systems such as plumbing, electrical, heating, cooling and ventilation. We did not retrieve the current codified section and we found no registration program, so confirm with the Insurance Department how a given company is treated.
Type of rules: Home-specific rules. A law or program that names home warranties, home service contracts or residential service contracts.
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
- North Dakota session laws, 2001: chapter 107, Property Service Contracts (PDF)
- NAIC: state insurance department directory
- 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 North Dakota Homeowners
Check the company's registration or license
Our sources show rules in North Dakota that name home warranties, home service contracts or residential contracts. Ask the North Dakota Insurance Department whether the company you are considering is registered or licensed before you pay.
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 North Dakota. Confirm with the company that your address is covered before you spend time on a quote.
Filing a Complaint in North Dakota
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. North Dakota'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.
North Dakota Attorney General: consumer complaints
The office does not process or keep anonymous complaints. After screening it may refer you to another agency, and if the complaint is within its authority it tries to mediate a resolution.
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 - North Dakota
Which home warranty companies serve North Dakota?
What is the best home warranty company in North Dakota?
Which home warranty plan has the highest HVAC coverage in North Dakota?
How much does a home warranty cost in North Dakota?
How does North Dakota's climate affect which plan to buy?
Where do I file a home warranty complaint in North Dakota?
How are home warranties regulated in North Dakota?
Neighboring States
Compare All North Dakota-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves North Dakota, 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.