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!
Disclosure: ReviewHomeWarranties.com has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.
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.
Choice Home Warranty Review (Best Overall Home Warranty)
Why Do We Like Choice?
Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.
Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have "Optional Coverage" for add on items most homeowners don't usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items.
Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.
The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.
A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.
That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.
Policy On Pre-Existing Issues or Older Units?
Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life.
What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).
- Good Limits (up to $1,500)
- Minimal Exclusions
- More Affordable
- Only 15 Home Appliances & Systems Covered
American Home Shield Review (Editor's Choice)
Why Do We Like American Home Shield?
Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.
In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.
They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 - $3,000 per claim.
Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Highest Payout Limits (up to $3,000)
- Widest Coverage (21 systems and appliances)
- Fewest Exclusions
- Most Expensive
Select Home Warranty Review (Most Affordable)
Why Do We Like Select Home Warranty?
Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 - $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.
If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.
Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Most Affordable Service Contracts
- Roof leaks Are Covered In Their Platinum Plan
- Ultra Pushy Sales
- 3 Days To Submit Claim
- Weaker Network Of Contractors
Liberty Home Guard Review
Why Do We Like Liberty Home Guard?
Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice.
Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home.
Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month.
We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.
Policy On Pre-Existing Issues or Older Units?
If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.
- State of the art customer portal system
- Rigorous testing for contractors
- Ability to use your own contractors
- Fair pricing
- Good customer service for a newer company
- Must report your issues within one day of noticing a problem
Service Plus Review
Why Do We Like Service Plus?
Service Plus Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.
Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.
Most home warranties do not cover anything related to your roof but Service Plus does, which we found to be unique to their offering helping them crack our top list.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and AHS, Service Plus covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- You Can Choose Your Own Technicians
- Roof Coverage
- More Exclusions Than Most Competitors
- The Worst BBB score
- Low Payout Limits ($500)
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.