Are you wondering what the best home warranty companies are for Mississippi homeowners? We can help.
Keep reading to find important answers to questions like:
- Do you even need a home warranty in Mississippi?
- How can you save the most money with your home warranty coverage?
- Do home warranties cover replacement costs in MS?
- And more!
Below, we have compared all of the options available to determine the top 7 home warranty companies in Mississippi. Keep reading to learn more!
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We know how beneficial a home warranty plan is for Mississippi property owners, but we also know selecting the correct provider and program can be daunting.
So, we put together the most comprehensive review of the home warranty companies and plans available to Mississippi consumers to help you make the correct choice.
Top 3 Best Home Warranty Companies in Mississippi
Who Needs A Home Warranty In Mississippi?
Buying a new house often comes with additional expenses, such as home repairs, replacements, homeowners insurance, new furniture and decor, landscaping, moving expenses, and more. So, some homeowners may have second thoughts about buying a home warranty.
However, a home warranty can actually help you save money, time, and stress. Home protection plans are also beneficial for property sellers and existing homeowners.
Anyone Can Benefit From A Mississippi Home Warranty
No matter what your financial situation, you can benefit from home protection. Every house has home systems and appliances you use daily, like your dishwasher, cooktop, garage door opener, clothes washer, plumbing system, and many others.
Despite the age of these devices, you never know when you could need a repair or total replacement. If you have a home warranty plan, you have peace of mind when a covered system or appliance breaks.
Homeowners who live on a tight budget know they can fix essentials like the air conditioner. Owners who live a busy life don't have to worry about calling numerous companies for repair quotes and checking BBB reviews for every contractor.
Best Home Warranty In Mississippi?
What is the best home warranty company in Mississippi? Based on our ratings and reviews, Choice Home Warranty is the top pick in Mississippi because of their three coverage plans, their network of available contractors and 24/7 customer service.
With a home warranty, when a covered home component is not working, you simply make a service call to your provider. The home warranty company will schedule a technician to come to you for a diagnosis. If the item has coverage, you pay a service fee, which is usually between $60 and $150.
Then, the warranty company will pay for the repairs or a replacement up to the limit of your coverage.
What Coverage Options Are Most Important In Mississippi?
The best home warranty companies in Mississippi have a ton of plan options you can select. Knowing what these plans include is essential because you want to make sure that the most critical components in your home have protection.
There are a few things you should consider when choosing a plan.
First of all, think about the climate in which you live. Mississippi is humid subtropical. That means long, hot, and humid summers and short and mild winters.
Whether you live in Jackson, Gulfport, Tupelo, or Meridian, the average temperature is between 91 and 93 degrees during the summer.
When you live in such a hot climate, the first thing you need to cover under a home warranty is the air conditioning. Air conditioner protection is also important because your AC system is one of the most expensive in your home to repair or replace.
You use appliances like your refrigerator, dishwasher, garbage disposal, garage door opener, clothes washer, and dryer, every day. One of these essential devices could fail at any time.
Without a home warranty, you are responsible for repairs or replacements not covered under a manufacturer's warranty, and replacing any appliance can cost hundreds or thousands of dollars. So, we recommend appliance coverage for all homeowners because it helps you budget your repair expenses, and it gives you peace of mind.
Electrical systems are especially susceptible to failure in Mississippi. According to the National Weather Service Forecast Office, there are quite a few severe weather events in Mississippi throughout the year, and it is not uncommon for homes to lose power in a storm.
Over time, power outages wear on an electrical system, and many of the homes in Mississippi are not newly constructed with GFCI outlets that protect appliances, electrical components, and wiring.
Luckily, most home warranty companies in Mississippi cover wiring, service panels, subpanels, switches, breakers, outlets, and junction boxes in an affordable basic plan. You do need to check with the specific program before making your purchase, though, because each provider covers different items.
Have you experienced a fried electrical system after a storm in Mississippi? The right coverage plan could help. Check out this video for more information on protecting your home in a storm.
Home warranty companies cover leaks, toilet tanks, whirlpool motors in built-in bathtubs, sump pumps, well pumps, septic tanks, stoppages, and clogs. Most plumbing repairs also qualify for emergency service, so if you need a repair on a major holiday, you have peace of mind knowing you can get it fixed.
While your home warranty plan will not cover damage from flooding or roots, it is beneficial to include your plumbing system. No homeowner wants to deal with a water leak or plumbing stoppage.
What Home Warranty Plans Are Available In Mississippi?
There are dozens of home warranty companies in the United States, and most of them cover properties in Mississippi. The best providers in the industry offer several plans, including appliance plans, home systems plans, combo plans and add-on packages.
Each provider's packages differ in terms of the items they cover. So, you have to carefully read the fine print to find out what they include.
Appliance protection is available through all of the major home protection companies. You just need to make sure the plan you choose includes appliance coverage and that each appliance is included.
If an appliance you own is not covered in your plan, most companies give you the option to add the device for a low fee. However, the majority of appliance packages include:
- Clothes dryers
- Clothes washers
- Water heaters
- Garage door openers
- Ceiling fans
- Garbage disposals
- and, More
Some plans cover additional appliances like trash compactors, central vacuums, deep freezers, and other valuable devices. However, with an appliances plan, no home systems are included. So, be sure to really think about what you need covered before you opt into this category of covered items.
Home Systems Coverage
Some of the most valuable assets in your home are the plumbing systems, electrical systems, ductwork, heating, and cooling systems. So, it is wise to cover all of your home's system with your home warranty plan.
Systems plans are offered without any appliance coverage, which is why sometimes companies consider it “basic” coverage. Basic plans are an excellent way for budget-conscious consumers to protect some of their home systems and appliances in one convenient package.However, the items included in a basic plan differ depending on the provider you choose.
Many providers have packages that cover several home systems, while others give you the option of adding a systems plan on to another plan, like an appliance plan. Coming up, we will explain how adding a systems plan and appliance plan is often regarded as a “combo plan”, saving you more money with a bundle.
Premium or Combo Plans
If the home warranty provider you choose offers an appliance plan and a home systems package, you also have the option of covering your property with a plan that includes both coverages. So, if you want the most protection, a premium plan is a great option. These home protection are more comprehensive for most homeowners.
A premium plan can also be regarded as a “combo plan”, specifically with American Home Shield who offers 21 protected items. Each company brands this package differently, so be sure to pay attention to what items are covered. For example, Select Home Warranty calls this plan their “Platinum Care Plan” and covers 17 systems and appliances.
In addition to the items covered in a basic plan, you can expect premium packages from most home warranty providers to include coverage for heating systems, air conditioners, clothes dryers and washer, and refrigerator malfunctions.
Some warranties also allow you to add-on coverage for individual appliances and home systems, like pools and spas, second refrigerators, washers and dryers, microwaves, and other major systems, individually.
Add-on coverage is an excellent option for people who want to cover some of their home appliances without investing in a complete package.
Do You Need Homeowner's Insurance And A Home Warranty In Mississippi?
Mississippi property owners need both homeowner's insurance and a home warranty plan because each offers different protection. Your homeowner's insurance company covers damage from natural disasters, like hurricanes, tornadoes, and flooding, while your home warranty plan protects your appliances and home systems when they break.
So, if your house is struck by lightning and you have a problem with your appliances or electrical system, your owner's policy will cover it. If your HVAC system stops working because it is old, your home warranty plan will pay to have it repaired or replaced as long as your plan covers air conditioners.
Is it worth buying a home warranty in Mississippi?
Buying a house often comes with many additional expenses, such as repairs, replacements, homeowners insurance, new furniture and decor, new landscaping, and more. Some homeowners may have second thoughts about buying a home warranty on top of all this. To help you decide where a home warranty is worth buying now versus later, we have created a home maintenance calculator that compares your home maintenance expenses to an average home warranty price. To see the results, just enter the age of your house and the number of expected repair per year.
Do You Need A Home Inspection For Your Mississippi Warranty Company?
Most companies will cover your property without a home inspection. However, without an inspection, it might be challenging to prove that a malfunction was not pre-existing.
So, you should either choose a reputable company that covers pre-existing problems or ask the provider if you can submit a home inspection to prove that all of the covered systems and appliances were in good working order when you purchased the plan.
Are There Any Home Warranty Regulations In Mississippi?
The Mississippi state government perceives a home warranty contract as not a contract for insurance, but as a service contract, which is subject to the Mississippi Consumer Protection Act. However, the industry is not well-regulated.
So, it is essential to carefully review the fine print, coverage plans, and home warranty reviews before choosing a provider.
How Do You Get The Most Out Of Your Home Warranty Plan?
Even if you choose a basic plan, you are well on your way to saving money. However, there are several ways that you can maximize the benefits you receive from owning a policy or save money when you purchase your plan.
1. Get A Free Quote
Top home warranty providers all offer free quotes. So, it is a good idea to shop several companies before you commit.
2. Make Service Requests As Soon As Something Breaks
Most companies give you a limited amount of time to make claims on your policy. The industry standard is between one and three days. So, it is essential to contact your service provider immediately when something malfunctions.
3. Look For A Provider With Positive Home Warranty Reviews
Reviews are critical when you are selecting a home warranty. Reading reviews from reputable sources can help you determine if the home service club is difficult to work with and if it has a history of denying claims.
4. Check For Money Saving Home Warranty Offers
Most home warranty companies have money-saving offers for new customers, including savings of up to $200 or several months free for customers who pay for a plan in full.
5. Ask The Seller To Provide Protection For Your New Home
When you purchase a new home, you have the option of including a home warranty plan in your real estate purchase contract. You can also talk to your real estate agent about providing this coverage for you.
Some sellers already have a plan for their home, and many home warranty companies allow them to transfer the remainder of their contract to the home buyer for a nominal fee or even for free.
What Are The Top 5 Best Home Warranty Companies in Mississippi?
Now that you know everything you need to look for in a plan and provider, you are probably wondering what companies are the best. So, we put together a list of the top five best home warranty companies in Mississippi with information about their plans, as well as the pros and cons of each provider.
When it comes to home warranty providers for Mississippi homeowners or buyers, our top pick is Choice Home Warranty. Choice is an industry leader with two excellent plans, the Basic Plan starting at just under $37 a month, and the Total Plan starting at $43.85 per month.
The basic plan covers more than a dozen appliances and systems in your home, and you can add coverage for pools or other major systems in your home for between $40 and $180 a year.
- Choice offers 24/7 emergency and customer service.
- Older appliances and undetected pre-existing conditions are covered.
- Choice has an extensive network of qualified service contractors.
- Choice offers limited options for plan customization.
- Claims must be submitted within one day.
- Plans automatically renew 30 days before the contract end date.
American Home Shield (AHS) is one of the oldest and most trusted home warranty companies. The plans are super customizable, and the service contractor network is one of the most extensive in the industry.
When you select coverage from AHS, you can choose between an appliance or systems package starting at $49.99 each. Or, you can choose the combo plan for $59.99, which covers appliances and home systems.
You can also build your plan, starting at $54.99 a month, which includes ten appliances and systems. If you do the build your own plan, you can add additional items starting at $2 per month.
- The contractor network is knowledgable and professional.
- Pre-existing problems that are undetectable are covered.
- Customer service is available 24/7 online and over the phone.
- Plans are more expensive than other providers.
- Repairs are only guaranteed for 30 days.
- Service fees range from $75 to $125, depending on the coverage you select.
Select Home Warranty is our third pick for Mississippi property owners. Select is a newer company, so they do not have the extensive track record that some of the other companies on our list have.
However, Select does have great home warranty offers and plans starting at around $35 per month. You also have several plan options, including the Gold, Silver, and Platinum packages, and the service fees are set at $75 per service request.
- Select is relatively new in the home warranty industry.
- There is no fee for transferring a plan to a new owner.
- Cancellation is free within the first 30 days of your contract.
- After the first 30 days, there is a $75 cancellation fee.
- Plans automatically renew 30 days before your contract end date, unless you cancel.
- Reservice for repairs or replacement might not be covered.
Another excellent option for homeowners in Mississippi looking for home warranty coverage is Total Home Protection. Total offers two plans, the Gold and Platinum plan, which both start at under $52 per month.
You can also add protection for items not covered in your plan. Add-ons vary in price depending on the system or appliances you want to include.
- Total Home Protection offers affordable plans.
- Cancellation is free within 30 days of your contract start date.
- Customer service is available 24/7 for emergencies.
- Older appliances and pre-existing issues may not be covered.
- Replacement payments might be limited for some items.
- Select may not cover reservice for repairs.
First American Home Warranty is another industry veteran. It has been providing home warranty coverage for nearly 35 years, and the Basic Plan is one of the most affordable available starting at just $28 per month.
Customers also have the option of opting for the Platinum Plan for just $42.50 per month. However, neither plan includes air conditioning systems. So, customers who want to cover their entire HVAC system need to add that coverage separately.
- First American Home Warranty is a top provider.
- Plans are some of the most affordable in the industry.
- The rating with the BBB is an A+.
- Plan options are limited.
- HVAC systems are not included in either plan, so coverage for air conditioners costs more.
- Policies are automatically renewed 30 days before your contract end date.
Our Final Thoughts On Coverage In Mississippi
Shopping for the right home warranty isn't easy, we know that. But, with a solid understanding of which companies offer the best plans and price, the process is a whole lot easier. Which is why we at ReviewHomeWarranties.com are proudly recommend Choice Home Warranty to Mississippi residents.
Choice is a clear leader in the industry, with three different coverage plans offered at affordable prices, add-on roof coverage for the Mississippi storms and even pool coverage for the long, hot and humid summer days.