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Best Home Warranty Companies In north dakota 2025

A home in North Dakota is a significant investment and a source of pride for residents. With homeownership at 61.9%, many top home warranty companies actively provide services to the sizable market. In this article, we’ll explore the best home warranty companies in North Dakota and why home warranty coverage is essential.

Our Picks: 5 Best Home Warranty Companies For north dakota Residents

Here are the top five home warranty companies in North Dakota that can offer comprehensive coverage and reliable customer services. Take a look:

OUR #1 PICK
1

Elite Home Warranty

  • Comprehensive HVAC coverage for extreme winters.
  • High annual payout caps ensure peace of mind.
  • Transparent claims process with live 24/7 support.
$150 Off + 1 Month Free. 30 Day Free Trial!
4.9
Excellent
fourhalf_star
Call Now
MOST POPULAR
2

Choice Home Warranty

  • Comprehensive HVAC coverage for extreme winter climates.
  • Affordable premiums with transparent pricing.
  • High customer satisfaction with reliable claims processing.
1st month free + Free roof coverage
4.1
Excellent
fourhalf_star
BBB ACCREDITED
3

America’s First Choice

  • Comprehensive protection for HVAC systems in extreme winters.
  • High annual payout caps for multiple claims.
  • Transparent contracts with detailed coverage explanations.
20% Off All Plans + Free Roof Leak Coverage
4.3
Excellent
fourhalf_star
BEST RATED BY U.S. NEWS
4

ARW Home – American Residential Warranty

  • Affordable plans with flexible pricing options.
  • Wide variety of add-on coverages for customized protection.
  • Excellent customer support and transparent terms.
2 Months FREE* on All Plans
4.3
Excellent
fourhalf_star
5

Regency Total Home Warranty

  • Covers essential home systems and appliances for peace of mind.
  • Available in all 50 states for consistent service.
  • Round-the-clock assistance for claims and repairs.
$300 Off + 2 Months Free + FREE Limited Roof Leak Protection
4.1
Excellent
fourhalf_star

Is Home Warranty Plans Beneficial For North Dakota Homeowners?

Home warranties have many benefits for homeowners of North Dakota: 

  • North Dakota experiences harsh winters with freezing temperatures and heavy snowfall, putting significant strain on home heating systems and other essential components.
  • North Dakota is home to many older properties with aging infrastructure. Home warranty plans can benefit homeowners with older homes, as the systems and appliances in such homes are more prone to breakdowns due to age and wear.
  • The state experiences various weather conditions, from extreme cold in the winter to severe storms in the summer. These weather fluctuations can lead to unexpected damage to home systems and appliances.
  • By investing in a home warranty, North Dakota homeowners can enjoy peace of mind. Whether it's a malfunctioning water heater or a faulty electrical system, their home warranty will help cover the expenses.

How Much Does a North Dakota Home Warranty Cost?

This section will discuss the average home warranty costs in North Dakota.

Average Annual Cost

$300 - $700

Average Monthly Cost

$29 - $89

Average Service Fee (Deductible)

$60 - $125

Factors Influencing The Cost Of The Home Warranty

  • Rural vs. urban location: The property's location within North Dakota, whether in a rural area or an urban center like Fargo or Bismarck, can impact the home warranty cost.
  • System and appliance coverage: The coverage you require can influence the overall cost of your home warranty plan in North Dakota.
  • Home Size: Older homes and larger properties typically require more extensive coverage, which may result in higher premiums.

Home Warranty Coverage In North Dakota

Let’s delve into the specifics of home warranty coverage in North Dakota.

General Coverage Of North Dakota Home Warranty

  • Kitchen appliances Given the importance of these appliances in the daily lives of North Dakota homeowners, having coverage can provide financial protection against unexpected breakdowns. The North Dakota home warranty covers refrigerators, stoves, ovens, dishwashers, washers, and dryers.
  • HVAC & major systems Home warranties in North Dakota typically cover major systems such as heating, air conditioning, plumbing, water heaters, and electrical.

Common Exclusions

  • Cosmetic damage Home warranties typically do not cover non-functional components that do not affect the item’s primary function.
  • Improper maintenance Failing to care for home systems and appliances properly can void warranty coverage. Regular appliance maintenance ensures continued protection and coverage under the warranty.

Here Are Some Additional Points To Consider

  • Service call fees Consider the service call fees associated with the home warranty plan. These fees are typically charged when a service technician is dispatched to your home.
  • Contract length and renewal options Review automatic renewal clauses and cancellation policies. Ensure that the contract terms align with your preferences and budgetary constraints.

Who regulates Home Warranty Companies In North Dakota?

Here are the agencies that oversee the functions of home warranty companies in various capacities:

  • North Dakota Department of Insurance (NDDOI) While the NDDOI  doesn't directly regulate home warranty companies, they may investigate companies if they receive consumer complaints alleging deceptive sales practices or unfair claim denials. This indirect oversight can help companies operate with a baseline level of fairness. 
  • North Dakota Attorney General's Office Home warranty contracts in North Dakota fall under the state's Consumer Protection Division. This division enforces the state's unfair trade practices laws, prohibiting deceptive and unfair business practices. This means companies cannot mislead you with their advertising or engage in deceptive sales tactics during the selling process.

Final Word

North Dakota's harsh winters and unpredictable weather can wreck your home's systems. Now that you've explored the best home warranty companies, you're equipped to find a plan that safeguards your comfort and keeps your budget protected. Choose peace of mind—compare plans, understand coverage details, and select the warranty that best suits your North Dakota home's needs.

Frequently Asked Questions (FAQs)

What Are The Most Common Appliance Repairs In North Dakota?+

Is A Home Warranty Worth It In North Dakota?+

What Is The Cheapest Home Warranty In North Dakota?+

How Long Does A Home Warranty Hold Good For?+

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