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North Dakota often has brutal winters, and because of that, residents have often learned the importance of preparation, especially as far as home maintenance is concerned. One way to prepare for your home’s maintenance needs may be to enroll in a home warranty plan.

North Dakota home warranty plans could be a decent option if you don’t already have the savings to cover repairs out of pocket. These home protection plans give customers access to on-call and local service technicians who have been vetted and contracted by the provider. Customers pay a monthly fee to maintain active coverage and a service call fee when a claim is filed. There are hundreds of home warranty providers across the country, all of which have varying degrees of trustworthiness and repute.

To streamline your research process, we at the Home Media reviews team have carefully reviewed the best home warranty companies in the nation by passing them through a stringent set of review standards and narrowed down that list to the best options for North Dakota homeowners.

Here are the top home warranty companies in North Dakota, along with the feature we found most attractive for each:

We obtained the pricing information in this article from each company for a single-family home smaller than 5,000 square feet in Fargo, North Dakota. Your quote may differ depending on the location of your home, its square footage and your coverage selections.

► State availability: 49 (all but Alaska )

American Home Shield (AHS) is one of the oldest home warranty providers in the industry. AHS offers customers the confidence of a 50-year reputation, generous coverage caps and coverage for items other providers typically exclude.

AHS offers three plan options: ShieldSilver, ShieldGold and ShieldPlatinum. ShieldSilver covers major systems only, whereas ShieldGold covers all those systems plus five essential home appliances. ShieldPlatinum expands that coverage to include roof-leak repairs.

AHS offers a small suite of add-on options:

According to our sample quote, North Dakota residents can expect to pay between $49 and $94 per month, depending on their service call fee selection. 

Get a quote: To request a personalized quote from American Home Shield, call 844-529-9298 or fill out this AHS quote form .

To learn more: American Home Shield review

► State availability: 47 (all but Washington, Wisconsin and Wyoming)

Liberty Home Guard is newer to the industry than many of its competitors, but it stands out for its accessible customer service experience and an extensive list of add-on options. With each plan costing $55 or less, Liberty also presents itself as an affordable coverage option.

Liberty Home Guard offers three standardized plan options: an appliance-only plan, a systems-only plan and a combination plan. You can review the covered items in the table below.

The following items are available for additional coverage from Liberty Home Guard:

According to our quote, you can expect to pay between $45 and $55 per month for your plan. The service call fee is less transparent, with a representative of the company telling us that your service call fee will fall between $65 and $125, depending on your location, plan and add-on selections. It is not flexible in the same way as American Home Shield or AFC Home Club, and it will be assigned to your account by the company. When we asked for additional clarification on the service call fee model, the company told us that all customers should speak to a representative directly to find out their assigned service call fee.

Get a quote: To request a personalized quote from Liberty Home Guard, fill out this LHG quote form or call 866-452-9107 .

To learn more: Liberty Home Guard review

► State availability: 49 (all but Hawaii )

America’s 1st Choice Home Club (AFC Home Club) offers more plan variety than its competitors. AFC Home Club leads the pack with its four plan options compared to the industry’s standard two or three plans. Customers can enjoy the added flexibility of choosing their own service call fee. 

AFC Home Club’s four plans are outlined in the table below. The Silver Plan covers appliances only. The Systems Plan covers systems only. The Gold and Platinum plans cover a combination of the two.

You can choose to add any number of the following items to your policy: 

Depending on your service call fee and plan selection, AFC Home Club’s monthly costs range from roughly $34–$58.

Get a quote: To request a personalized quote from AFC Home Club, fill out this simple quote form or call 877-755-1115 .

To learn more: AFC Home Club review

► State availability: 46 (all but Nevada , New Mexico, Washington and Wyoming)

Select Home Warranty offers three plans for less than $50 per month. Not only are its plans affordable, but each one comes complete with free limited roof-leak protection up to $400. In addition, its 90-day workmanship guarantee is three times the industry standard of 30 days.

Select’s three plans are Bronze Care, Gold Care and Platinum Care. Bronze Care provides exclusive coverage to appliances, and Gold Care provides exclusive coverage to systems. The Platinum Care Plan covers all items in those plans, plus garage door openers and ceiling fans.

Select’s add-on options include the following: 

Select’s monthly prices range from $41–$47 per month. Additionally, you can expect to pay a service call fee of $75 each time you file a claim.

Get a quote: To request a free quote from Select Home Warranty, call 888-370-3956 or fill out this Select Home quote form .

To learn more: Select Home Warranty review

Cinch Home Services (Cinch) is our pick for homeowners looking for bonus benefits. Cinch provides select discounts to customers buying new appliances, includes rust and corrosion coverage, and offers its 180-days workmanship guarantee for all repairs. 

Cinch Home Services offers three plans: the Appliances plan, the Built-in Systems plan and the Complete Home plan. The Appliances plan covers 12 major appliances, including dishwashers, wall ovens and clothes washers. The Built-In Systems plan covers 16 home systems, including your electrical systems. The Complete Home plan bundles both plans into one comprehensive protection plan.

Cinch Home Services coverage add-ons include these items:

Depending on which plan and service call fee you select, expect to pay between $50 and $77 per month.

Get a quote: For a personalized quote, fill out Cinch Home Services’ quote form or call  855-435-0489.

To learn more: Cinch Home Services review

See how the best home warranty companies compare on key metrics:

Monthly Cost in North Dakota*

America’s 1st Choice Home Club

*Range demonstrates least-expensive plan to most-expensive plan. ** A service fee is a one-time payment typically in the range of $65–$125 that covers the service you receive. It is typically paid directly to your service contractor.

We selected all the home warranty companies featured on this list due to their positive industry reputation, affordable plan options and comprehensive home warranty coverage. We at the Home Media reviews team recommend American Home Shield due to its lack of coverage caps on built-in systems and its inclusion of unknown preexisting conditions, rust and corrosion, and improper modifications. Liberty Home Guard and AFC Home Club are two other affordable options for homeowners.

With that said, we recommend requesting quotes from at least three providers so you can compare and contrast coverage options in your area. We also recommend carefully reading the sample contract and speaking with a representative directly to address any lingering questions before you begin coverage. 

While your exact coverage will depend on availability in your area, home warranties cover your home’s internal components from everyday wear and tear. Unlike homeowners insurance, which covers major perilous events and structural damage to your property, a home warranty allows you to plan for minor repair and replacements of your home’s built-in systems and appliances. 

You can choose to cover built-in systems only, which would include items such as air conditioning, electrical and plumbing, or you can choose to cover appliances only, such as your laundry machines and most-used kitchen appliances. If you would like more comprehensive coverage, you can select a combination plan to cover both systems and appliances. It’s important to read your sample contract carefully because many home warranty companies cap coverage at a certain amount or may only cover a portion of repair and replacement costs if your system is a certain age.

Each provider has its own formula for determining monthly costs based on location, plan selection and service call fees. Our research of 39 providers across the nation has suggested that the industry average monthly fees fall between $39 and $64 with roughly a $77 service call fee. Some providers allow customers to pay for annual coverage as a lump sum at the start of the plan, in which case you can expect to pay between $500 and $900 a year. The lower end of that range is typically reserved for basic coverage to cover either built-in systems or appliances. In comparison, the higher end of that range would include combination coverage.

Deciding on a home warranty can be a big financial decision and, when it comes to homeownership, it’s always best to do your own research before committing. If you’re wondering if a home warranty is worth it , the answer isn’t always straightforward. 

Think about the most expensive appliance or system in your home. Can you afford to replace it immediately if it unexpectedly breaks down? Do you have a trusted contractor you can reach out to at a moment’s notice to help you deal with your home’s issues? If the answer to either of those questions is no, a home warranty can help you prepare for some of the expenses that come with owning your own home and give you peace of mind that an unexpected breakdown won’t be too expensive to fix right away.

Our consumers rely on us to provide objective and accurate information — as such, we create a comprehensive rating system to formulate our rankings of the best home warranty companies. This system accounts for a wide range of ranking factors, and we collect data on dozens of home warranty providers to grade the companies on each factor. The end result is a cumulative score for each provider — companies that score the most points top the list.

To ensure our research is as thorough as possible, we call every major home warranty provider directly and speak with representatives to get quotes, specifics on coverage options, availability based on location and additional information. We also review sample contracts to better understand what each plan covers and to identify limitations. In addition, we simulate the process of reaching out to each company’s customer service team to evaluate their level of helpfulness and ability to solve problems.

Once we gather all relevant data, we use the following scoring system to grade each home warranty company on a 100-point scale:

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