State guide · MNNo paid placement
Home warranty
in Minnesota.
Extreme winter cold placing very high sustained load on furnaces and boilers drives the local claim mix. Service contracts in Minnesota are regulated by the Minnesota Department of Commerce.
2 cities coveredRegulated as a service contract3 providers active
Photo · R Architecture / Unsplash
Why Minnesota is different
Service contracts in Minnesota are regulated by the Minnesota Department of Commerce. Providers must be registered; a service contract is not insurance and is not backed by a state guaranty fund. Cancellation and refund terms must be disclosed in the contract.
Source: Minnesota Department of Commerce (State regulator, accessed 2026-05)
Coverage-priority context · MN
What breaks in Minnesota.
Issue 01
Extreme winter cold placing very high sustained load on furnaces and boilers
Issue 02
Significant frozen-pipe risk during prolonged deep-freeze stretches
Issue 03
Heating-system strain shortening the service life of older furnaces
§ 02Best providers in Minnesota
01
AHS
American Home Shield
Homeowners who want broad systems coverage with the flexibility to lower premiums by accepting a higher service fee.
Score
4.1/5
From
$30/mo
BBB
B
02
CHW
Choice Home Warranty
Budget-focused homeowners who want predictable low service fees and straightforward plan choices.
Score
3.7/5
From
$46/mo
BBB
B
03
HHW
HSA Home Warranty
Home buyers and sellers who want transaction-period coverage from an established parent group.
Score
3.6/5
From
$38/mo
BBB
B
§ 03By city
City 01
Minneapolis
City 02
Saint Paul
§ 04Common questions for Minnesota
Are home warranties regulated in Minnesota?
Service contracts in Minnesota are regulated by the Minnesota Department of Commerce. Providers must be registered; a service contract is not insurance and is not backed by a state guaranty fund. Cancellation and refund terms must be disclosed in the contract.
What is the typical waiting period?
Most plans impose a 30-day waiting period from the contract effective date. A few waive it for a real-estate transaction or when you transfer an existing policy, so a failure that starts before coverage begins is treated as pre-existing and excluded.
Can I buy a plan after something has already broken?
You can buy one, but you will be paying for future protection. An active failure is almost always deemed pre-existing and excluded, so the new contract will not cover the repair you are facing right now.