Top Best Home Warranty Companies In Mississippi Review

Living in Mississippi is a great place for homeowners. As a Mississippi homeowner, you can have access to the sea and the mountains. Mississippi has lost of open space, and homeowners can enjoy outdoor living and experiences. However, as a Mississippi homeowner, you are still going to have to think about keeping your home systems and appliances in excellent working condition. If you are looking for the best home warranty companies in Mississippi we have all the information you will need. 

In this guide, we will cover . . . 

  • What is a home warranty?
  • Why should you have home protection on your home? 
  • What should you look for when purchasing a home warranty?
  • The 6 best home warranty companies in 2021
  • And much more!

The Mississippi summers have quite a bit of heat and humidity to deal with. If your HVAC system happens to fail, a quick and effective repair is necessary. However, these repairs are typically very expensive.

Home warranty companies help you save money on expensive home repairs. They also allow you to enjoy peace of mind while owning your home. If you are looking for the best home warranty companies in Mississippi, we have all the information you need. 

Editor's Choice
98.0

Limited Time: New Customers Get $50 Off
Claim Offer
Best Overall
98.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
97.6

Limited Time: $150 Off + 2 Free Months + roof coverage
Claim Offer

Best Home Warranty Companies in Mississippi

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.5
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 98.0
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 97.6
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Liberty Home Guard
Editorial Rating 96.5
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 First Premier Home Warranty
Editorial Rating 95.3
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Online chat not supported
  • Lower cap on item replacement
  # 6 Cinch Home Services
Editorial Rating 95.7
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee

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.

Compare Mississippi Home Warranty Providers

ProviderVisit SiteBest ForMonthly CostService FeeBBB Rating
Choice Home WarrantySiteBest Overall$40 - $48$85B-
American Home ShieldSiteMost Customizable$50 - $60$75 - $150B
Select Home WarrantySiteMost Affordable$36 - $38$60B
Liberty Home GuardSiteBest Reviewed$40 - $60$60A
Cinch Home ServicesSiteBest Workmanship$28 - $40$100 - $150A-
First Premier Home WarrantySiteBest Coverage$45$75B-
ServicePlus Home WarrantySiteBest Emergency Service$41 - $45$75 - $125A

Mississippi Home Warranty Costs 

One of the major considerations for Mississippi homeowners who are on the fence about purchasing a home warranty plan is the plan’s cost. The higher costs of some of these plans can turn homeowners away. However, the hardest part of the process is understanding what a home warranty plan should cost. At Review Home Warranties, we decided that it would be important for Mississippi homeowners to understand the average costs of a home warranty play. We did in-depth research to compare all of these plans and came up with a list of the average home warranty cost across several different types of homes. Whether you have a single-family home or a condo, ensure that you understand what a home warranty should cost before you sign up for one.

Type

Average Annual Premium

Overall

$672.26

Single Family Home

$570.43

Multi-Family

$1,014.31

Townhome

$492.61

Condo

$593.43

Home Over 5,000 sq ft

$1,232.50

Home Under 5,000 sq ft

$645.01

Mississippi Home Warranty Companies Reviews

At Review Home Warranties, we have reviewed more than 70 home warranty companies to come up with some of the best plans on the market. Mississippi home warranties can be compared by looking at policy options, coverages, add ons, service fees, customer service reviews, and more. Here are our reviews of the top 6 home warranty companies in the state of Mississippi. 

1. Best Overall: Choice Home Warranty

Choice Home Warranty is the best overall home warranty policy in the state of Mississippi. Choice Home Warranty stands out as the best overall because of the fair coverage, simple contract, and excellent customer service. Choice Home Warranty plans offer both system and appliance coverage and reasonable service fees. Choice has spent more than a dozen years servicing Mississippi homes, and they have earned their spot at the top of this list. 

Pros

Cons

Comprehensive plan options

It won’t allow for custom plan build-out

Simple contract

 

Fair overall pricing

 

Reasonable service fees

 

A good sign-on incentive 

 

 Plans and Pricing 

There are only two Choice Home Warranty plans to choose from, the Basic Plan and the Total Plan. The Total Plan has some more extensive coverage when it comes to AC and HVAC, and it typically makes a better choice for the Mississippi homeowner. 

Plans

Cost Per Month

Services Fee

Basic Plan

$42

$85

Total Plan 

$50 

$85 

Coverage

Mississippi homeowners need to be very careful about the coverage caps of the policies they choose. A home warranty with a lower coverage cap will be difficult when it comes to an expensive repair or a high-end appliance or system that goes down. The coverage caps on the Choice Home Warranty plan are closer to the $2500 limit. Some of the coverages that Mississippi homeowners take full advantage of include... 

  • Plumbing system 
  • Washing Machine
  • Water Heater
  • HVAC system
  • Oven   

What Customers Are Saying: 

Problem was fixed by an excellent electrician chosen by Choice. Honest and professional. I posted the claim online and the problem was fixed within 30 hours. In today’s or any day’s environment, that was excellent service. Thank you, Choice, glad I switched from American Home.” Source

2. Most Customizable: American Home Shield 

American Home Shield is the most customizable plan for Mississippi homeowners. The American Home Shield plan allows for complete customization of policy and plans choices. If you want your laundry room appliances on the plan but not your electrical system, you can edit and update the policy to work for your needs. The American Home Shield plan has been an option for Mississippi homeowners for the last 50 years. In that time, they have built up an extensive network of professionals and technicians. If you want a plan that is known for high quality and excellent customer service. 

Pros

Cons

Been around for more than 50 years

A premium-priced policy 

Built out custom plans and add on options

 

Customizable pricing 

 

Add on coverage choices

 

Plans & Pricing

There are three American Home Shield plans for customers to choose from. The pricing on these policies is typically a little higher than other options on the market, but the overall coverage is also quite good. American Home Shield allows homeowners to choose a premium and a service fee that fits within their budget. 

Plan

Monthly Cost

Service Fee

Silver Plan

$45

$75-$125

Gold Plan 

$55

$75-$125

Platinum Plan

$79

$75-$125

Coverage 

American Home Shield has some of the higher policy limits on the market. With an American Home Shield Plan, you will have $2000 or more like a coverage cap on most of your policies. In addition, American Home Shield pays out more claims than most other home warranty companies on the market. The most popular home system and appliances covered in the AHS plan are... 

  • Heating system 
  • Refrigerator
  • Dishwasher 
  • Oven
  • Garbage DIsposal 

What Customers Are Saying

I have been dealing with American Home Shield for almost two years. They are efficient and effective in everything we need. The contractors they send out are knowledgeable and get the jobs done. I highly recommend their services.” Source

3. Most Affordable: Select Home Warranty 

Select Home Warranty is the most affordable home warranty in the state of Mississippi. Mississippi offers some great areas to live in that have more affordable housing. To keep this housing affordable, it makes sense to choose a fairly priced home warranty. Select Home Warranty has been on the market for close to ten years, and they pride themselves on making home warranty coverage affordable. With each of the home warranty plans from Select, you will get free roof leak coverage and impressive workmanship quality. 

Pros

Cons

Impressive customer service

Lower policy limits

Clearly defined coverages and exclusions

Not great for high-end appliances and systems

High workmanship quality 

 

Straightforward policy choices 

 

Plans and Pricing

There are three Select Home Warranty policies to choose from, and each has its own unique benefits. The Platinum Care plan is the best overall choice as it combines the Gold and the Bronze coverage and is only going to cost a few extra dollars per month. The service fees from Select are also some of the lowest on the market. 

Plan

Monthly Fee

Service Fees

Gold Care

$41 

$65

Bronze Care

$41

$65

Platinum Care

$47

$65

Coverage: 

Although there is a broad range of coverage options from Select Home Warranty, the coverage caps or limits are sometimes a bit lower. When you balance that out with the affordability of this plan, most homeowners still find this to be a really great value. Some of the coverages that Mississippi homeowners are taking advantage of as part of their plan include . . . 

  • Heating systems 
  • Cooktops
  • Ceiling fans
  • Refrigerators 
  • Electrical systems 

What Customers Are Saying

Charlie- the technician who was sent out to fix my water heater- was very nice. We were scheduled for the next day, but he came out the night before after he found out we had not had hot water for days. He was very knowledgeable and professional. We truly appreciated him.” Source

4. Best Reviewed: Liberty Home Guard 

The Liberty Home Guard plan is an excellent choice for those looking for a valuable and highly rated company in the state of Mississippi. The Liberty Home Guard plan has only been on the market for two years, yet they have managed to earn an A rating from the BBB. Liberty Home Guard is known for fixing an issue quickly. In addition, the add-on coverage options from Liberty Home Guard are quite extensive. If you want something like your lawn sprinkler or your central vacuum covered under the Liberty Home Guard, you will have that option. 

Pro

Cons

BBB Rating of an A

Option plan choices are a bit higher in price

Overall fair pricing

The price increases quite a bit for comprehensive plans 

60 Day workmanship guarantee

 

Add on coverage list is extensive 

 

Plans and Pricing

There are three Liberty Home Guard policies for Mississippi homeowners. The Total Home Guard seems to be the best overall option for Mississippi homeowners because of the combination of system and appliance coverage. 

Plans

Monthly Fees

Service Fees

Appliance Guard

$40

$60

Systems Guard 

$45

$60

Total Home Guard

$49.99

$60

Coverage: 

The coverage on the basic Liberty Home Guard plans is quite impressive; however, it does come at a cost. If you want a truly comprehensive plan from Liberty Home Guard, you will have to invest in some add-on coverages or options that increase the overall price of the plan. Many Mississippi homeowners choose Liberty Home Guard coverages such as . . .

  • Garbage disposal
  • Washer
  • Air Duct
  • Water Heater 
  • HVAC

What Customers Are Saying: 

My water heater claim was dispatch the same day I placed the request; the technician was very professional and made sure to be attentive to keep the cleanliness of my home. The only thing I would’ve had to wait on (which was beyond anyone’s control)l was that my pilot light part was on backorder because my water heater was 17 years old, but liberty just replaced it since they had units stocked. Overall fantastic experience 5/5” Source

5. Best Coverage: First Premier Home Warranty 

First Premier Home Warranty is the best home warranty for Mississippi residents that need extensive coverage. If you are wanting to ensure that your entire home is covered by a home warranty, giving you complete peace of mind, First Premier Home Warranty could be the best choice. With First Premier, you will find that the policy almost works as blanket type coverage of the entire home, even if the overall coverage caps are a bit lower. First Premier Home Warranty is new to the market, but they have an A- rating with the BBB. So far, they are making a lasting impression among Mississippi homeowners.

Pros

Cons

BBB Rating of A-

Short time on the market 

A newer company that is continually improving 

Not everyone wants to pay upfront for the year

Low costs if you pay upfront 

 

Modern technology and systems in place 

 

Plans & Pricing 

There are only two First Premier home warranty policies to choose from. As the company grows and expands, they may add more, but these are the options for now. The pricing of these plans goes down quite a bit when you pay for the plan upfront for the year. In fact, if you are willing to pay for a plan for up to two or three years, the price will go down even further. 

Plan

Monthly Fee

Service Fee

Premier Plan

$43

$75

Platinum Plan 

$50

$75 

Coverage

The number of covered items on the First Premier home warranties is quite a bit higher than other home warranty policies on the market. However, the individual coverage caps are lower. Think about which type of policy makes sense for your home. The Premier Plan has more than 15 covered items, an impressive amount for what is considered a base-level plan. Some of the coverages that Mississippi homeowners tend to take advantage of are the . . .

  • Refrigerators
  • Oven
  • Water heater
  • Plumbing system
  • Stovetop 

What Customers Are Saying 

“I absolutely love this company I had three home warranty companies in the past that were horrible, and I was about to give up on the home warranty idea first premier lived up to their standards my ac unit went out, and it was about 97 degrees they sent out a tech in 6 hours and got that fixed and even offered me to replace it with a brand new one once I saw how good their turnaround was and how they performed I enrolled my other two properties and I couldn’t be happier definitely recommend 5 stars!!!!!” Source 

6. Best Workmanship: Cinch Home Services 

The Cinch Home Services warranty offers the best workmanship for a Mississippi homeowner. Cinch is very serious about who they allow coming into your home to complete warranty work. Although some of the service fees are higher with the Cinch Home Services plan, they come with a 180-day workmanship guarantee. This is the longest on the market. Cinch Home Services has been a home warranty provider in Mississippi for the last 40 years. If you are a new homeowner or have been around quite a long time, Cinch Home Services can help may homeownership less stressful. 

Pros

Cons

Long history in the home warranty business

Higher service fees 

180-day workmanship guarantee

Negative customer reviews

Moderately priced plans to choose from 

 

Plans and Pricing

There are three standard plans from Cinch Home Services and a few add-on coverage options to choose from. The Complete Home Plan is one of the most popular because of the dept of coverage. Overall, Cinch Home services plans are a bit higher but come with peace of mind knowing that your contractor will be very high quality. 

Plans

Monthly Fees

Service Fee

Appliances plan

$44.99

$100-$150

Built-In System plan

$51.99

$100-$150

Complete Home Plan

$61.99

$100-$150

Coverage

The coverage options from Cinch Home Services are similar to First Premier in that you get a very wide range of covered items. The only issue is that the coverage caps are slightly lower. However, this is still one of the best home warranties for coverage in Mississippi. Some of the most popular coverages under the Cinch Home Services policies include . . . 

  • Septic tank
  • Sump Pump 
  • Ice Maker
  • Refrigerators
  • Plumbing System  

What Customers Are Saying

Always fast, excellent service. I've never had a bad experience. Service people who come out are always fast and on time and get the job done right the first time.” Source

What You Should Consider Before Buying A Home Warranty in Mississippi

A home warranty in Mississippi is a very smart decision. However, narrowing down the plans to find the best ones for your specific needs can take quite a bit of time. Luckily we have already gotten this list down to the top six; now it is just a matter of comparing them and seeing which ones make the most sense. Here are a few of the most important things to keep in mind when choosing a Mississippi home warranty. 

Plan Choices 

There are typically two or three home warranty plans for Mississippi homeowners to choose from. The systems plan, appliance plan, and the combo or comprehensive plan. For the most part, Mississippi homeowners will want to choose a combo plan that allows for both system and appliance coverage. Without having both coverages, the overall pricing of the plan may not feel worth it. There is nothing worse than having your dryer break when you only have a systems plan. Combo plans give more peace of mind. 

Overall Pricing 

The overall pricing of a home warranty plan will consider the monthly costs, service fees, and coverage caps. If a company has a higher than average policy price, make sure you can understand and justify this higher cost. If the higher cost includes your pool, spa, and roof, certainly this can make sense to invest in. 

Optional Coverages

There are several optional coverages that plan offers. The smartest thing for any Mississippi resident to do is to take an inventory of the items in the home that they will want coverage for. Once this inventory is taken, customers can then look at which policy most closely matches the wants/needs. Chances are you will end up paying for a few optional coverages to get a complete plan, but most find this to be worth it. 

Home Warranty Tips for Mississippi Residents

Whether you live in Jackson, Biloxi, Laurel, or Tupelo, you will have to be prepared for a southern summer. Summers in Mississippi are much warmer and more uncomfortable than most people imagine. Chances are you will rely heavily on your air conditioning in the Mississippi summer. With the potential for HVAC repairs to be closer to $1000 or more, it is easy to see how a home warranty could be a help for a Mississippi homeowner. 

In addition to having to deal with heat and humidity, there are also parts of Mississippi that will be very hilly and rocky. These areas like Meridian, Madison, and Olive Branch will all require coverage for plumbing and electrical issues as well. 

Mississippi homeowners tend to do best with policies that have both home system and appliance coverage. Without the combination of the plans, it’s hard to find something that will offer enough of a benefit on its own. 

Mississippi home warranty facts

If you think your HVAC is working hard during the warm Mississippi summers, how do you think your refrigerator or stand-alone freezer feel? These appliances and systems will also be putting quite a bit of time in and trying to stay cool and functioning. Having a home warranty plan that can come to your rescue during those rough summer months is quite essential. 

Last but certainly not least, beach towns like Biloxi, Gulfport, and Long Beach need to take into consideration the wear and tear that comes along with homes that are close to the water. Expect issues due to the saltwater that will need more frequent repair and replacement. 

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.

Final Thoughts

Hopefully, you now feel ready to purchase a Mississippi home warranty. The home warranty costs that you pay will be well worth it the first time that you experience an issue with a system or appliance. Choice Home Warranty is the best overall home warranty for Mississippi homeowners. The fair pricing, impressive customer service, and simple service contract make Choice Home Warranty one of the best home warranty options on the market. Overall, getting a few quotes from some of the other top companies on our list makes sense. Many organizations will offer a sign-on incentive if this is a new home warranty policy; take advantage of these and get your home covered before the next repair or replacement comes along. 

Review Home Warranties Rating Methodology: How We Chose the Best Home Warranty Companies

At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed-up through routine check-ins. When we picked our best home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what our review process looks like: 

  • We call every home warranty provider, talking to sales agents and company representatives to gather accurate information on: 
    • Availability 
    • Pricing
    • Coverage
    • Fine Print 
    • Plan Options  
    • Service Contract Details 
    • Customer Service
    • Trustworthiness
    • Ratings and Reviews 
    • Add-On Options 
    • Promotions
    • Additional Benefits
  • We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
  • We analyze the sample contracts and fine print from each brand we review. This allows us to break down the industry jargon, check for hidden stipulations, and see what is and isn’t covered so we can give readers straightforward information.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other. 

From here we created a comprehensive, 100 point, rating scale based on the following factors: 

  • Plan options (25): Providers that offer more flexibility in their plans are rated higher.
  • Coverage specifics (5): The more items covered in a home warranty plan, the higher the score. 
  • Pricing (25): We take the monthly fee and service fee into consideration when rating pricing. 
  • Trustworthiness (25): We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
  • State availability (5): Finding coverage in your state can be a challenge if home warranty companies aren’t located there. The more states covered, the higher the score. 
  • Customer service (10): Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service. 
  • Additional benefits (5): Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher. 

Of the 50 different companies that we’ve reviewed, we've broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.

Resources for Mississippi Homeowners and Home Buyers

  • Mississippi Home Corporation: Mississippi Home Corporation can help with loans and finding the first home. If you are new to how the financial process works when buying a home, the Mississippi Home Corporation will ensure that you are well educated and prepared. 
  • Homeownership Assistance Mississippi:  The US Department of Housing and Urban Development can help Mississippi homeowners who are considering purchasing a home or who are trying to stay in their home during a difficult economic time. This is a federal agency that can offer assistance throughout the United States, don’t hesitate to see what they can do for you. 
  • US Department of Agriculture Rural Development: Many areas of Mississippi have farmland that homeowners and homebuyers purchase to build their own farms. If this is something that interests you, the US Department of Agriculture Rural Development can help with funding and special loan assistance. There are also educational opportunities here. 
  • Jackson Housing Authority:  The Jackson Housing Authority works to ensure that customers can find affordable and safe housing in the Jackson, Mississippi, area. This organization is completely dedicated to housing, if you need help, this is the place to go.  
  • Mississippi Homeownership Vouchers: For people that are interested in getting started in the homeownership process, it makes sense to study and understand the resources that are available. Some Mississippi homeowners may qualify for vouchers to make homeownership more affordable. 

Recap of Our Top Picks In Mississippi

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.50
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 98.00
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 97.60
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 The Home Service Club
Editorial Rating 97.20
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Higher fee for contract transfer
  • Fewer contractors available
  • Limited plan selection
  • 1 day to submit a claim
  # 5 Liberty Home Guard
Editorial Rating 96.50
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 6 Cinch Home Services
Editorial Rating 95.70
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee

Nearby States

All states
Home warranty Tennessee 39 companies available
Tennessee Home Warranty
Alabama flag
Home warranty Alabama 33 companies available
Alabama Home Warranty
Home warranty Louisiana 33 companies available
Louisiana Home Warranty

Frequently Asked Questions in Mississippi

Below are just some of the frequently asked questions we receive about home warranties in Mississippi.

Q.

Is a Mississippi home warranty worth it?

A.
To protect your finances from unexpected breakdowns of common appliances and systems, a home warranty is worth it. Instead of paying out of pocket each time a repair or replacement is needed, you can get comprehensive coverage for the things that keep your home running smoothly. For peace of mind and protection of your bank account, a home warranty can definitely be worth it.
Q.

What are the best home warranty companies in Mississippi?

A.
We have done and continue to do extensive research on over 65 home warranty companies operating in the United States. Here are the top five home warranty providers for Mississippi homeowners. 

  1. Choice Home Warranty
  2. American Home Shield
  3. Select Home Warranty
  4. Liberty Home Guard
  5. Service Plus
Q.

What do home warranties cover?

A.
Home warranty coverage varies from provider to provider, but basically, a home warranty offers protection against malfunction of appliances and systems due to everyday wear and tear. It is meant to fill in the gap where your homeowner’s insurance stops. Coverage varies from company to company, but here are some basics of home warranty coverage.

1. Most Common Coverage


Systems

  • HVAC including ductwork
  • Plumbing System including stoppages
  • Electrical System
  • Water Heater

Appliances

  • Refrigerator
  • Oven / Range / Stove
  • Cooktop
  • Dishwasher
  • Clothes Washer
  • Clothes Dryer
  • Built-in microwave

2. What some cover

Some providers will also include coverage for things like garbage disposals, ceiling and exhaust fans, and garage doors. 

Many providers offer optional coverage for items like freezers, well and septic pumps, pools and spas, sump pumps, and additional refrigerators or HVAC units. 

3. What few cover

To stand out in the marketplace, some home warranty companies offer unique coverage. For instance, American Home Shield and Liberty Home Guard both offer coverage for household electronics and entertainment products.
Q.

How much does a home warranty cost?

A.
The main cost of a home warranty is the monthly premium. You can choose an Appliance Plan or Systems Plan and spend a bit less, but most buyers choose a Combo Plan which covers all the major systems and appliances in your home. Here is the average cost of a Combo Plan among the top five providers in Mississippi. 

Combo Plan
Monthly Cost
Annual Cost
Top 5 Average
$59
$708

The other cost of a home warranty is the service call fee. When you contact the home warranty company with a claim on a covered item, they will send out a licensed contractor to take a look. Each time a new claim is filed, there will be a service call fee usually somewhere between $75 and $125. The higher the service call fee, the lower the monthly premium you will pay.
Q.

How do I choose a good home warranty?

A.
The three steps you’ll want to take in choosing the best home warranty for your Mississippi home are as follows.

  1. Research - Do what you are doing right now and find out everything you can about the home warranty companies operating in Mississippi. What is their reputation? What are the specifics of coverage? Dig into the details.
  2. Get quotes - Contact several companies to get quotes for your location and the coverage you want.
  3. Read the fine print - Look at the service agreement carefully before you sign up. Understand the coverage, dollar limitations, and exclusions of the policy.