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*The Angi rating for Home Warranty companies in Minneapolis, MN is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Home Warranty needs.

*The HomeAdvisor rating for Home Warranty companies in Minneapolis, MN is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Home Warranty needs.

Last update on September 21, 2025

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Home Warranties questions, answered by experts

Home warranties are not a necessity, but they’re great for providing peace of mind, even if you already have homeowner’s insurance. A traditional insurance policy usually only covers disasters, like a tree falling into your home, fires, floods, theft, and major vandalism. A home warranty covers individual items, including breakdowns and damage from wear and tear and old age. Unlike with insurance, a home warranty might cover a refrigerator repair or the replacement cost of an oven. Many homeowners find a home warranty is great to have alongside insurance for total coverage.

The average cost of a home warranty is around $55 per month, but you could pay anywhere from $30 to $125 or more, depending on a few factors. Some of the most significant cost factors include the following:

  • Contract service fee 

  • Items covered by your contract 

  • Coverage caps in your contract

  • Whether or not you can choose your own service technician

  • Home’s location

  • Contract length 

  • Any coverage add-ons

Most home warranties exclude aesthetic damage, pre-existing issues, intentional damage, and issues that stem from a lack of proper maintenance. Home warranty companies also have contract terms that can exclude specific types of HVAC systems or certain components of an appliance or home system, so you should read your contract in its entirety to make sure you understand your coverage before signing up.

Whether a hot water heater warranty transfers to a new owner depends on the terms and conditions of your specific warranty. However, in most cases, the warranty is not transferable. If the terms of your warranty are unclear, you should reach out to the manufacturer directly for an answer.

Several factors make a home warranty worth it or not, especially the age of your home and the condition and age of the appliances in it. If you buy an older home with most or all original appliances, a warranty may be worth the investment as these home features are more likely to need repairs or replacements. However, if you’re buying a new-construction home, a warranty may already be included, and you may not need to use it for several years. In this case, purchasing add-ons may not be worth the cost until a few years later.

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The Minneapolis, MN homeowners’ guide to home warranties

From average costs to expert advice, get all the answers you need to get your job done.

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  • Mother cooking with her daughter
    Dan Simms
    •

    If you’re looking to add a level of protection to your home’s appliances and systems (like plumbing), you may be considering purchasing a home warranty. Keep reading to learn about the various pros and cons associated with common home warranty plans.