I understand the toll that Mississippi’s humid climate takes on home appliances and systems. From scorching summers that push air conditioners to their limits to the high rainfall in the spring and tropical storms in the fall, Mississippi homes face much more wear and tear than average. When critical components like AC units, electrical systems, and plumbing systems break down, repair costs can spiral into the thousands, placing a significant financial burden on an unsuspecting family.
Home warranties offer a solution to these unexpected expenses, providing peace of mind through financial protection. However, confusing contracts plague the industry through denied claims, slow responses, and subpar service from some providers. To help Mississippians find trustworthy coverage, I conducted extensive research into the top home warranty companies serving our state. Using Today’s Homeowner’s stringent rating criteria, I evaluated each provider’s coverage options, cost, customer service, claims process, and reputation.
Through this in-depth analysis, I identified home warranty companies that stand above their peers for their comprehensive coverage, transparent terms, and reliable service. These providers have plans to meet the needs of Mississippi homeowners, making sure that the critical systems and appliances most prone to breakdowns carry adequate protection. If you’re a Mississippi homeowner seeking a dependable safety net against costly repairs, consider one of the best home warranty companies I discuss in this article.
Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.
Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.
We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.
Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.
Read our full Home Warranty Review Methodology for more details.
Top 5 Home Warranty Companies
- For Mississippi homeowners seeking a customizable home warranty, Liberty Home Guard is a standout choice. With optional add-on coverage available for septic systems, well pumps, and pool/spa equipment, you can tailor a policy to your home’s special needs. This flexibility is especially valuable given the state’s hot, humid climate and homes with various unique systems and features. Liberty Home Guard has earned praise for its responsive claims service, giving me confidence it can respond quickly to repair issues.
- If rapid repairs are a top priority for you, consider American Home Shield. AHS boasts an impressive track record of handling most claims within 24 hours. In Mississippi’s extreme weather conditions, swift action is crucial for preventing minor appliance or system issues from escalating into costly damages. AHS also covers unknown preexisting conditions, providing extra assurance for homes with older components.
- As you compare home warranty options in the Magnolia State, scrutinize coverage caps, exclusions, and service fees to ensure your policy aligns with your budget and home’s specific needs. Take advantage of any promotions or discounts to maximize value. Finally, read reviews from fellow Mississippians to see how providers handled claims for homes similar to yours. A thorough analysis of the fine print and local insights combine to paint a clearer picture of the protection and service you can expect.
My Expert Recommendation
Liberty Home Guard’s flexibility is particularly impressive, with over 40 add-on options allowing Mississippians to customize their coverage to match their home’s unique needs. From pest control to premium appliance protection, these add-ons provide vital safeguards against the wear and tear caused by our state’s humid summers and occasional winter cold snaps. Liberty’s 24/7 emergency service also offers critical reassurance when breakdowns strike at the most inconvenient times.
For homeowners with high-end appliances and systems, American Home Shield and Elite Home Warranty are also worth considering. Both are well-established and Better Business Bureau-accredited, instilling confidence in their reliability. AHS offers generous coverage limits of $4,000 for appliances and $5,000 for home systems, while EHW goes even further — $6,000 in appliance coverage and $10,000 for systems. These ample caps can help protect even the most expensive equipment. However, it’s essential to carefully review the fine print for exclusions before committing to any plan.
Mississippi Home Warranty Companies I Didn’t Include
While First American Home Warranty (FAHW) is a well-known provider in the industry, I chose not to include it among my top recommendations for Mississippi homeowners. My primary concern lies in the lack of transparency about its service area. Although FAHW claims to offer coverage in Mississippi, my experience suggests it doesn’t directly serve every state listed on its website. When you get a quote, FAHW may redirect you to a third-party site. In this case, you’ll get quotes from competing home warranty companies rather — not FAHW. I’ve tried getting quotes in several states, and FAHW doesn’t service many of them directly. Until FAHW addresses this issue and provides coverage to Mississippi homes directly, I hesitate to recommend it as a top choice for residents in our state.
I also decided against including Choice Home Warranty among my top picks for Mississippi homeowners because of an ongoing consumer fraud lawsuit filed by the Arizona attorney general against the company. Until the case concludes and I can examine the final ruling, I don’t feel comfortable recommending Choice Home Warranty to Mississippians. If the criminal complaint delivers credible evidence of deceptive or fraudulent practices, that would solidify my position to leave Choice off my list, advising Mississippi residents to avoid this provider. However, if the case is dismissed without any concerning findings, I’ll reconsider Choice as a local home warranty provider.
Compare The Highest Rated Home Warranties In Mississippi
| Company | Rating | Monthly Cost | Service Fee | Response Time | BBB Rating | Link |
|---|---|---|---|---|---|---|
 |
$50-$60 |
$75 |
12-48 hrs. |
NR |
VISIT SITE | |
 |
$35–$75 |
$100–$125 |
24-72 hrs |
B |
VISIT SITE | |
 |
$44.99-$58.99 |
$70 |
48 hours |
A+ |
VISIT SITE | |
 |
$46–$55 |
$85 |
24-48 hrs. |
B |
VISIT SITE | |
 |
$52–$58 |
$60 |
24-48 hrs. |
B |
VISIT SITE | |
 |
$38–$62 |
$75–$125 |
48 hours |
B |
VISIT SITE | |
 |
$38–$48 |
$75–$125 |
48 hours |
B |
VISIT SITE | |
 |
$17–$60+ |
$65–$100 |
2–24 hrs |
A- |
VISIT SITE | |
 |
$28–$68 |
$100–$150 |
2–24 hrs |
B |
VISIT SITE |
Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.
Our Reviews of the Best Home Warranties in Mississippi
Liberty Home Guard
4.6
Our Rating
I appreciate Liberty Home Guard’s unparalleled customization options, with over 40 add-ons allowing Mississippians to tailor coverage to their home’s unique features. From protection for backup generators to weather power outages during sweltering summers to coverage for specialized items like central vacuum systems or guest houses, Liberty provides the flexibility to create a plan that perfectly fits your needs.
I also value the company’s commitment to customer service, maintaining an impressive 4.7-star rating on both Google and Trustpilot, far surpassing the 2- to 3-star average typical of many home warranty companies. This stellar reputation for responsive service, combined with additional perks like a 60-day workmanship guarantee that extends well beyond the industry standard of 30 days, gives me confidence that Liberty will be there when Mississippians need them most, whether in rural or urban areas.
While Liberty Home Guard’s customizable plans are appealing, I have some reservations after reviewing its sample contract. My primary concern is Liberty’s low coverage caps, which max out at just $2,000 for home appliances and systems. This is significantly lower than competitors like Elite Home Warranty, which offers up to $6,000 in protection, potentially leaving Mississippians with substantial out-of-pocket expenses if they need to replace costly items like air conditioners. Additionally, Liberty’s numerous add-ons come at a relatively steep average cost of $15 per month, compared to just $6–$12 from providers such as EHW.
For Mississippi homeowners seeking a reliable and affordable home warranty, Liberty Home Guard is my top choice. With plans starting at around $50 per month, Liberty offers comprehensive coverage and over 40 unique add-ons tailored to homes in the Magnolia State, such as protection for well pumps, sump pumps, generators, window cleaning, and even pest control. This exceptional level of customization, combined with Liberty’s consistently praised customer service, fast claims processing, and responsive support, is why I give the company an impressive 9.3/10 rating.
One potential limitation to consider is Liberty’s $2,000 coverage cap per item, which may not fully cover repairs or replacements for high-end appliances. However, Liberty goes above and beyond by offering a 60-day workmanship guarantee, doubling the industry standard and providing extra peace of mind. For Mississippi homeowners who don’t own ultra-premium appliances, Liberty’s winning combination of personalized plans, competitive prices, and dedicated customer service is hard to beat. If you’re looking for a home warranty that can be tailored to your specific needs and budget, Liberty Home Guard is your best option.
Liberty Home Guard gets a perfect 10/10 rating from me for its unmatched customizability, strong plans, and affordability, making it an ideal choice for Mississippi homeowners. With over 40 add-ons, such as sump pump coverage, electronics protection, generator coverage, power washing, pools, spas, and more, Liberty allows Mississippians to craft a plan that perfectly fits their home’s unique needs and addresses the challenges of the state’s humid subtropical climate.
I personally recommend the Total Home Guard plan, which combines comprehensive appliance and system coverage for just $60 per month — only $10 more than the base Appliance Guard plan. Most of Liberty’s add-ons range from $8 to $15 monthly, with some spanning $4 to $36. While the company’s service call fees, ranging from $65 to $125 (depending on the service you need), may exceed the industry average of $75, Liberty offers enticing discounts that can help offset these costs. During my secret shopping, I was offered two free months with annual payments and seasonal $225 coupons. Another standout feature is Liberty’s 60-day workmanship guarantee, doubling the industry standard and providing extra peace of mind on the quality of repairs.
| Plan | Monthly Cost | Service Fee | Available Discounts |
| Appliance Guard | $49.99 | $65 – $125 | 2 months free (online), $225 off coupon (online) |
| Systems Guard | $54.99 | $65 – $125 | 2 months free (online), $225 off coupon (online) |
| Total Home Guard | $59.99 | $65 – $125 | 2 months free (online), $225 off coupon (online) |
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Jackson, MS. The cost data presented was accurate at the time of writing.
Available Add-Ons
Liberty Home Guard has the following optional add-ons to its plans. As someone with mild allergies, I appreciate the unique carpet cleaning add-on. For this affordable rate, you can have a professional deep clean your carpets every year.
- Carpet cleaning: $19.99/month
- Casita guest unit: $35.99/month
- Central vacuum: $8.99/month
- Ejector pump: $14.99/month
- Electronics protection: $19.99/month
- Freestanding ice maker: $14.99/month
- Generator: $19.99/month
- Grinder pump: $14.99/month
- Gutter cleaning: $14.99/month
- Ice maker (in-fridge): $3.99/month
- Instant hot water dispenser: $9.99/month
- Lawn sprinkler system: $9.99/month
- Lighting fixtures: $7.99/month
- Limited roof leak: $11.99/month
- Pest control: $14.99/month
- Plumbing fixtures: $7.99/month
- Pool and spa: $19.99/month
- Additional spa: $9.99/month
- Power washing (exterior flooring): $19.99/month
- Pro-series clothes dryer: $4.99/month
- Pro-series dishwasher: $7.99/month
- Pro-series microwave: $4.99/month
- Pro-series range/oven/cooktop: $12.99/month
- Pro-series refrigerator: $14.99/month
- Pro-series stand-alone freezer: $14.99/month
- Pro-series washing machine: $4.99/month
- Re-key: $9.99/month
- Reverse osmosis water filter system: $14.99/month
- Saltwater pool: $23.99/month
- Second refrigerator: $7.99/month
- Septic system pumping: $12.99/month
- Sump pump: $8.99/month
- Swamp cooler: $14.99/month
- Trash compactor: $7.49/month
- TV mounting (up to 65-inch TVs): $14.99/month
- TV mounting (up to 85-inch TVs): $19.99/month
- Water dispenser water line: $4.99/month
- Water softener: $13.99/month
- Well pump: $12.99/month
- Window washing/cleaning: $19.99/month
- Wine cooler/fridge: $11.99/month
Exclusions
Liberty has the below standard plan exclusions:
- Cosmetic defects
- Cranes or other specialty vehicles required to install, remove, or access your appliances or home systems
- Disposal of appliances, systems, or components
- Electronics, computerized, “smart,” or Internet/enabled components and parts
- Filters associated with any covered items
- Fire sprinkler systems
- Flues, vents, chimneys, and exhaust lines
- Glass parts
- Lighting
- Malfunction or damage caused by acts of God
- Noise
- Radon and other leak detection monitoring systems
- Remote receiving and transmitting devices
- Solar systems and applications
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
Liberty Home Guard offers competitively priced base plans starting at around $50 per month, making it an accessible option for most Mississippi homeowners. However, the company’s add-ons are generally more expensive than those of other providers, with most costing over $15 per month compared to the $6 to $13 range offered by competitors. Another potential drawback is Liberty’s non-negotiable service fee, which ranges from $65 to $125 when filing a claim (depending on the type of service you need) – higher than what many other companies charge.
Despite these potential drawbacks, Liberty stands out for its coverage of unique appliances with add-ons that other warranties often exclude, such as reverse osmosis filters and pro-series or luxury equipment. This flexibility is particularly valuable for Mississippians with high-end or specialized home systems. However, it’s crucial to be aware that Liberty only covers items up to their “book value” rather than their full replacement cost, and its per-item coverage caps max out at $2,000 – lower than the limits set by providers like Elite Home Warranty ($6,000) and American Home Shield ($3,000). Despite these limitations, Liberty Home Guard still earns a solid 8.9/10 rating from me for its overall affordability and unique coverage options.
Liberty Home Guard earns a decent 7.8/10 rating from me for customer experience due to its simple online quoting system and swift enrollment process. During my secret shopping, I was pleasantly surprised to see how easy it was to compare coverage options and personalize my plan to fit my home’s unique needs. Liberty’s website makes it quick and easy for Mississippi residents to understand their choices and make the best decisions. Once you’re signed up, you’ll like Liberty’s multiple contact options, including phone, email, and online chat. With multiple contact methods, you’ll be sure to get prompt support when issues arise.
I also like Liberty’s 60-day service guarantee on repairs, which provides extra reassurance that any work performed will meet quality standards on the first attempt (and if not, Liberty will repair it again at no additional service charge). One potential drawback is Liberty’s 30- to 60-day waiting period before coverage begins, which aligns with industry averages. However, this is still shorter than some competitors who make customers wait up to 90 days. Despite occasional reports of slow response times when submitting a claim or difficulty reaching a supervisor for escalated concerns, overall, Liberty provides a streamlined experience from quote to repair.
Across thousands of reviews, Liberty Home Guard consistently receives strong, positive praise from customers, highlighting exceptional service, smooth claims processes, quality repairs, good communication, and quick issue resolution. The company’s positive 4.7-star ratings on Google and Trustpilot demonstrate its commitment to putting people first, setting it apart from competitors in the home warranty industry. Liberty’s dedication to customer satisfaction is evident in customer reviews and in praise it receives from employees on Glassdoor, highlighting a supportive company culture that usually leads to exceptional customer service.
It’s worth noting that the Better Business Bureau (BBB) revoked Liberty’s A+ rating due to a recent influx of complaints. However, after I contacted a representative at the BBB, I learned that this is a standard procedure while they review all the complaints closely. Liberty has previously gone through this process a few times in the past three years and had its A+ rating restored after the BBB’s evaluation. So, I’m hopeful the same will happen to Liberty in this instance. For Mississippi homeowners seeking a reliable home warranty provider with an outstanding reputation, Liberty Home Guard stands out among the competition, earning a stellar 9.1/10 rating from me.
| Rating Site | Rating | Number of Reviews |
| BBB | NR (Not Rated)* / 4.5 out of 5 stars | 2,519 |
| Trustpilot | 4.7 out of 5 stars | 2,620 |
| 4.7 out of 5 stars | 10,440 | |
| Yelp | 1.4 out of 5 stars | 49 |
Editor’s Note: The ratings provided were accurate at the time of writing.
*Note (as of 4/4/24): The BBB recently shifted LHG’s A+ rating to “NR.” We reached out to a representative from the BBB, which told us, “This business is not currently rated. BBB has recently received numerous complaints against this business and will issue a rating after it has fully evaluated them.” When asked about whether they revoke ratings after an increase in complaints, the rep said, “Yes, if they feel they need to review the complaints first before issuing an accurate rating.” This scenario has happened to LHG twice in the last two years, but each time the BBB has restored its A+ rating after a thorough review.
When Mississippi homes face the increased wear and tear caused by the state’s humid subtropical climate, Liberty Home Guard is there to save the day. With an impressive 12-hour average response time and critical emergency repair service that many competitors lack or charge for, Liberty leads the home warranty industry in claims handling, earning an amazing 10/10 rating from me. Its fast response times make a big difference when your air conditioner breaks down during a sweltering summer heatwave or your clothes dryer sputters out right before laundry day.
Customers consistently praise Liberty’s smooth claims process and quick payouts after approval, highlighting the user-friendly experience that exceeds expectations. Once you’ve passed the standard 30- to 60-day coverage waiting period, most non-emergency claims fly through approval within 48 hours. Liberty’s dedication to providing top-notch service when you’re facing adversity is truly remarkable, making it a game-changer for Mississippi homeowners in need of urgent support.
Liberty Home Guard is available in all 50 states, earning it a stellar 10/10 rating for availability. Mississippi homeowners will have quick access to local, in-network contractors for repairs.
American Home Shield
4.3
Our Rating
I appreciate AHS’s strong history and over 50 years of industry experience. As such, it has had ample time to build strong relationships with local contractors, ensuring that Mississippi homeowners have access to specialized repair help for any unique needs their homes may have. I appreciate that AHS offers coverage for rust, corrosion, and even preexisting conditions, providing comprehensive protection for homes in the Magnolia State. The company’s high coverage caps of up to $5,000 for home systems and $4,000 for appliances give me peace of mind, knowing that even high-end items are covered.
I also like that AHS offers adjustable service fees, demonstrating a commitment to flexibility and customer satisfaction. Additionally, AHS is one of the few providers that offers roof leak protection, either as an add-on or included with its premium plan — particularly useful in Mississippi, where heavy rainfall and severe storms can cause significant water damage if you don’t seal small roof leaks fast.
Despite being the longest-running home warranty provider in the industry, American Home Shield (AHS) has received a disproportionately high number of negative reviews compared to its competitors. In the last year alone, AHS garnered over three times the number of complaints on the BBB than rivals like Select Home Warranty and AFC Home Club. Furthermore, the company earned sub-2-star ratings on both Trustpilot and Yelp, indicating a lack of reputability.
Many negative reviews highlight slow contractors, transparency issues, unexpected price increases, and delays in repairs for non-emergency problems. Some customers also express concern about the short 30-day workmanship guarantee that AHS offers. While it’s true that people are more likely to share negative experiences online than neutral or positive ones, the consistently low ratings across multiple platforms raise a red flag to me, especially considering AHS’s 50 years of experience in the industry.
As a 50-plus-year industry pioneer, American Home Shield (AHS) leads competitors with generous coverage caps of up to $5,000 for systems and $4,000 for appliances, surpassing providers like Liberty Home Guard with $2,000 limits. This extensive protection brings confidence to Mississippians who own high-end appliances and systems. Another notable advantage of AHS is its coverage of preexisting defects, rust, and corrosion, unlike many other providers, which I find quite valuable. Additionally, its expansive contractor network enables broad, reputable support across Mississippi.
While quoting and shopping online with AHS was straightforward during my secret shopping, I found some downsides. For example, some reviewers faced extended repair delays, and AHS’s 30-day workmanship guarantee falls short of rivals like Elite Home Warranty, which offers a 90-day guarantee. Additionally, AHS’s lower-tier plans don’t cover as many appliances and systems as entry-level options from competitors. However, AHS’s ShieldPlatinum plan offers comprehensive protection at only a slight uptick in cost, still beating comparable plans in the items it covers. Considering its strong coverage maximums, coverage of preexisting defects, and the value of its ShieldPlatinum plan, I give American Home Shield fair marks of 8.6/10 overall.
American Home Shield has three plan options for Mississippi homes: ShieldSilver for major systems, ShieldGold, which adds some appliances, and the comprehensive ShieldPlatinum, which covers both. One of the standout features of all AHS plans is that they cover old, improperly installed items and preexisting conditions, which many competitors don’t cover. This extensive protection brings peace of mind to owners of complex or aging systems and appliances. Surprisingly, the ShieldPlatinum plan uniquely includes limited roof leak coverage — an uncommon inclusion in the industry — as well as free annual HVAC tune-ups, allowances for code violations, permits, and equipment modifications that other providers typically don’t cover.
While AHS’s service fees, ranging from $100 to $125, exceed the $75 industry average, it offers flexibility by allowing customers to choose between lower monthly premiums or higher service fees based on their budget and needs. During my secret shopping, a representative offered a 20% discount for signing up the same day, so it’s worth keeping an eye out (and asking) for discounts and promotional rates. For its plans and coverage, particularly the comprehensive ShieldPlatinum plan, I give AHS a strong 9/10 rating.
| Plan | Monthly Cost | Service Fee* | Available Discounts |
| ShieldSilver | $39.99 – $49.99 | $100 – $125 | 20% off same-day sign-up discount (online and phone) |
| ShieldGold | $59.99 – $69.99 | $100 – $125 | 20% off same-day sign-up discount (online and phone) |
| ShieldPlatinum | $89.99 – $99.99 | $100 – $125 | 20% off same-day sign-up discount (online and phone) |
*If you choose the lower service fee of $100, you pay the higher monthly premium. For example, the $49.99 rate for the ShieldSilver plan pairs with the $100 service fee.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Jackson, MS. The cost data presented was accurate at the time of writing.
Available Add-Ons
Although I find American Home Shield’s six add-on options lacking, I do appreciate the septic pump and well pump coverage as I live in a rural area with no access to city water and sewage.
- Electronics protection plan: $14/month
- Guest unit: $15.99/month
- Pool & built-in-spa equipment: $18/month
- Roof-leak repair: $10/month
- Septic pump: $5/month
- Well pump: $8/month
Exclusions
AHS has the following exclusions:
- Damage due to pets or pests
- Failure to properly clean or maintain home systems or appliances
- Foundation or structural damage
- Improper installation, improper wiring, or damage caused by construction activity
- Manufacturer’s defect
- Misuse or human error
- Malfunction or damage due to natural disasters
- Neglect, rust, corrosion, or sediment
- Removal of hazardous materials such as asbestos, lead, or other toxic materials
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
While American Home Shield charges monthly premiums and service fees that are a bit higher than those of some competitors, with those higher costs come better protections that other, cheaper plans don’t offer. For instance, Mississippi homeowners can get up to $5,000 for HVAC systems and $3,000 in coverage for pools — two to three times more than what most home warranty companies, like Liberty Home Guard, provide. Appliance and home system repairs or replacements can quickly climb into the multiple thousands without adequate coverage, especially given Mississippi’s humid subtropical climate, which can lead to more wear and tear on critical systems and appliances.
American Home Shield earns an 8.7/10 rating from me for affordability, primarily because of its high coverage caps save money long term despite slightly higher up-front monthly costs and service fees. For Mississippians with high-end systems, the peace of mind and extra protection provided by AHS’s higher coverage limits can make the slightly pricier rates worthwhile. So, while American Home Shield may not be the most budget-friendly option, the enhanced coverage justifies the higher monthly rates and service fees when breakdowns occur, especially for those with expensive appliances or unique systems that would be costly to repair or replace without adequate coverage.
Despite being an industry leader, I found numerous complaints about American Home Shield’s unreturned calls and messages, which is concerning when Mississippi homeowners need assistance, especially during an AC breakdown on a sweltering summer day. However, AHS does offer some advantages, such as assigning each customer an account manager and providing multiple contact methods. This accessibility can help you get better communication from individual reps and demonstrates a commitment to responsiveness.
On the positive side, during my secret shopping, I found American Home Shield’s website to be user-friendly when obtaining quotes and comparing pricing for different plans. Its standard 30-day waiting period before a new policy takes effect is also a plus, as it’s significantly shorter than the 60-day or longer wait times imposed by some competitors. Considering these factors, I give American Home Shield a decent 8.4/10 rating for its customer experience, considering the communication concerns.
On a positive note, American Home Shield makes filing claims straightforward with 24/7 support online and by phone, which is crucial for Mississippi homeowners facing urgent issues like air conditioner breakdowns during the state’s sweltering summers or water heater failures when you need to take a hot shower. Once you submit a claim, you can conveniently track its status and repair history through your online account dashboard, giving you ongoing visibility into the process. This ease of filing claims and tracking progress is a definite boost to its reputation.
However, I give American Home Shield a fair 7.7/10 rating for its mixed customer feedback, as the company’s low scores on Trustpilot and Yelp concern me. Many reviewers express frustration about delayed service, unexplained claim denials, and unresponsive customer service, which are particularly worrisome issues for Mississippians needing prompt assistance with critical system breakdowns. That said, it’s important to note that some negative feedback appears to stem from misunderstandings over the contract, highlighting the importance of thoroughly reading the policy before signing up. Plus, it holds a strong 4.5/5 rating on Google reviews, with several thousand more reviews in total than Trustpilot and Yelp combined.
| Rating Site | Rating | Number of Reviews |
| BBB | B / 2.11 out of 5 stars | 11,139 |
| Trustpilot | 2.2 out of 5 stars | 5,263 |
| 4.5 out of 5 stars | 32,947 | |
| Yelp | 1.1 out of 5 stars | 1,271 |
Editor’s Note: The ratings provided were accurate at the time of writing.
American Home Shield’s 24/7 customer service and user-friendly online claims process bring peace of mind to Mississippi homeowners, especially for emergency issues. Once you file a claim online or via phone, you can easily track its status and view your home’s repair history through your online account, providing transparency and reducing stress (and questions) throughout the process. While some reviews highlight instances of unreturned calls and messages, which is concerning for a prominent provider, AHS takes steps to mitigate these issues by assigning dedicated account managers and offering multiple contact channels, earning the company a strong 8.4/10 rating from me for its claims process.
Since American Home Shield offers its plans to homeowners in every state except Alaska, it gets a 10/10 rating from me. Because of its long-standing network of quality contractors nationwide, you can count on them for swift repairs in your Mississippi home.
Select Home Warranty
4.2
Our Rating
I like Select Home Warranty’s competitively low service fee of just $75, which is the amount you pay for each repair visit. This, coupled with its affordable monthly premiums ranging from $44 to $48 (with its regular discounts), makes Select an attractive option for budget-conscious Mississippi homeowners. What really sets SHW apart from its competitors is the inclusion of limited roof leak coverage in all its plans. Many home warranty companies completely exclude this protection or offer it only as an add-on, but Select bundles it into every plan tier by default.
Furthermore, SHW’s plans come with a 90-day repair guarantee, which is 30 to 60 days longer than that of many other providers in the industry. The extended guarantee ensures that if a covered item breaks down within 90 days of a previous repair, the company will send a technician to fix the issue at no additional service call fee to the homeowner. This valuable inclusion, along with the company’s low monthly costs and reasonable service fees, are a few things I like most about Select Home Warranty.
Although Select Home Warranty offers budget-friendly plans, it falls short for me with its few customization options. With only nine add-ons available, Select lags behind industry leaders like Liberty Home Guard and Elite Home Warranty, which provide 40-plus and 26 choices, respectively. This lack of customization could be a problem for Mississippi homeowners with unique home systems or appliances that require specific coverage. I also dislike that Select prohibits homeowners from choosing their preferred contractors for repairs, as this restriction takes away the control over who works on your home’s systems and appliances.
Another aspect I don’t appreciate is Select’s policy of excluding preexisting defects. If you’re unaware of hidden issues before enrolling, you risk having claims denied later. To avoid this, Mississippi residents need to thoroughly inspect their homes and ensure everything is working properly before signing up. Additionally, the company’s strict $75 contract cancellation fee seems to prioritize its own interests over the flexibility of homeowners in the state.
Select Home Warranty offers budget-friendly monthly premiums ranging from $44 to $48 (with its regular $16/month discount), which are lower than those of many of its competitors, including American Home Shield and Liberty Home Guard. This affordability can lead to notable long-term savings for cost-conscious Mississippi households. I appreciate that Select offers coverage caps up to $3,000 for essential items like air conditioning and HVAC systems, which is crucial given Mississippi’s humid subtropical climate that puts more wear and tear on these units. However, it’s worth noting that some providers, such as Elite Home Warranty and American Home Shield, offer even higher limits of $10,000 and $6,000, respectively.
As a homeowner, I give Select Home Warranty an impressive 8.4/10 overall rating due to its straightforward Bronze Care, Gold Care, and Platinum Care plans that clearly cover appliances, systems, or a combination of both, making it easy to choose the right option for your needs. Select Home Warranty provides peace of mind without breaking the bank for residents with standard, more affordable appliances and home systems. Nevertheless, those owning more costly or specialized equipment may want to explore providers with higher coverage limits and a wider range of optional add-ons to better suit homes that have less common systems and appliances.
Compared to competitors with confusing packages and terminology, Select Home Warranty’s transparent approach to home warranty coverage is a breath of fresh air. It offers straightforward appliance, systems, and combined plans that enable Mississippi homeowners to compare and choose the protection they require. However, given the minimal $4 additional cost for enhanced coverage, I suggest the Platinum Care plan for almost all Mississippians, as it covers both appliances and systems.
During my secret shopping, I was offered some decent discounts, including two free months and $150 off the annual price, showcasing Select’s commitment to affordability. I also received additional time-sensitive discounts through text messages from Select a few weeks after I got my initial quote. However, Select’s $3,000 coverage limits may not be enough for homes with high-end appliances or systems (American Home Shield and Elite Home Warranty provide two to three times that limit), and the company offers fewer specialty add-ons compared to some of its competitors. Despite these limitations, I give Select Home Warranty a respectable 8.3/10 rating for providing affordable, no-nonsense protection that caters to the essential needs of most Mississippi homeowners.
| Plan | Monthly Cost* | Service Fee | Available Discounts |
| Bronze Care | $44.42 | $75 | $150 off (website), two extra months free (website) |
| Gold Care | $44.42 | $75 | $150 off (website), two extra months free (website) |
| Platinum Care | $47.75 | $75 | $150 off (website), two extra months free (website) |
*Monthly cost figures provided include the discounted rate offered at time of writing, $16 off monthly pricing. Select Home Warranty has been running this promotion since the beginning of this year.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Jackson, MS. The cost data presented was accurate at the time of writing.
Available Add-Ons
Select Home Warranty offers the following optional add-ons to its plans. For Mississippians with pools and spas, I appreciate the affordable add-on coverage to protect these expensive systems.
- Central Vacuum: $3.33/month
- Lawn Sprinkler System: $5.83/month
- Pool: $8.33/month
- Roof Leak: free
- Septic System: $5.83/month
- Spa: $5.83/month
- Stand-alone Freezer: $3.33/month
- Sump Pump: $3.33/month
- Well Pump: $3.33/month
Exclusions
Select has the following standard plan exclusions:
- Common areas in condominiums or multifamily homes
- Damage from natural disasters and rust
- Defects or damages caused by the foundation and structure of the home
- Incorrect installation or malfunctions due to construction damage or improper wiring
- Issues with systems or appliances related to hazardous or toxic materials (for example mold, asbestos, and gas leaks)
- Secondary damage (i.e., your home warranty may cover roof damage but won’t cover water damage caused by a roof leak)
- Solar heating systems
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
Select Home Warranty stands out for its low service fees of $75 — significantly less than the $100 or more charged by many other providers, including American Home Shield. These lower fees mean repairs won’t strap you for cash, allowing Mississippians to save money on both monthly premiums and repair costs. Additionally, Select’s affordability extends across its Bronze, Gold, and Platinum plans, which cover essential appliances, systems, or both without the yearly price increases that competitors often implement.
With monthly premiums of around $40 after Select’s standard $16 discount, Select offers plans that are $10 to $20 cheaper than the industry average. While Select’s $2,000-per-appliance coverage limit may not suit every homeowner, it’s plenty for most homes with standard units. Overall, I give Select Home Warranty an impressive 9.1/10 rating for its affordability, competitive pricing, lower service fees, and adequate coverage limits, making it a top choice for budget-conscious residents in the Magnolia State.
Select Home Warranty’s website clearly outlines available plans, pricing details, coverage specifics, and add-ons in plain language, making it easy for Mississippians to research which protections best suit their repair risks and budgets. Unlike other providers I’ve researched, Select doesn’t bombard potential customers with excessive follow-ups or aggressive sales tactics. This commitment to clear quotes and simple contracts is a refreshing change, allowing homeowners to carefully consider their coverage needs without the frustration of dealing with confusing pitches or long phone calls with pushy salespeople. Select’s dedication to providing a stress-free home warranty experience earns Select Home Warranty a commendable 8.1/10 rating from me for customer experience.
Select Home Warranty’s reputation among previous and current customers is mediocre. Its online feedback on platforms like Trustpilot and Google has both praise for helpful customer service, easy sign-up, and swift repairs, as well as criticism citing low reimbursements, denied coverage, slow contractors, and unskilled technicians. The company’s Better Business Bureau grade sits at a decent B, contributing to its overall mixed reputation. That said, dissatisfied customers often shout louder than satisfied ones.
For Mississippians considering coverage, it’s essential to weigh Select’s affordability and core plan strengths against potential drawbacks. Still, its conflicting feedback is something you should consider along with potential issues like low reimbursements alongside Select’s affordable pricing. Due to its mixed reputation, I give Select Home Warranty a fair 8/10 rating.
| Rating Site | Rating | Number of Reviews |
| BBB | B / 1.39 out of 5 stars | 2,110 |
| Trustpilot | 3.8 out of 5 stars | 4,818 |
| Yelp | 1.0 out of 5 stars | 9 |
| 3.8 out of 5 stars | 19,830 |
Editor’s Note: The ratings provided were accurate at the time of writing.
While Select Home Warranty’s claims process aligns with industry standards, the slower dispatch times for non-emergencies is a drawback. For most non-urgent situations, the company dispatches repair technicians within 48 hours, which can be frustrating when your clothes washer fails right before laundry day. Waiting two full days for repairs may mean you’ll have no clean clothes for work or school. This earns the company a fair 7.6/10 rating from me for its claims process.
On a positive note, I appreciate Select Home Warranty’s straightforward claims process. Mississippi homeowners can conveniently start a claim online or call it in. Additionally, Select offers 24/7 emergency services for critical issues like failed air conditioners and leaking water heaters, which can impact your health or lead to additional home damage.
Select Home Warranty offers its plans in all 50 states, earning it a perfect 10/10 score. With its wide network of contractors, you can count on fast, quality repairs when your Mississippi home needs them.
Elite Home Warranty
4.3
Our Rating
I appreciate Elite Home Warranty’s commitment to customer satisfaction, as evidenced by its consistently high ratings of 4.5 to 5 stars on trusted review sites like Google, Yelp, the BBB, and Trustpilot, which exceeds the 2- and 3-star ratings that are typical of home warranty providers. This praise is a testament to Elite’s ability to deliver top-notch service and promptly settle claims for its homeowners. Moreover, I’m impressed by Elite’s extensive array of 26 customization options, allowing Mississippi homeowners to create tailored plans that balance affordability and financial security, as well as its generous coverage limits of $10,000 per system and $6,000 per appliance, providing strong protection for even high-end equipment.
I don’t like that Elite Home Warranty voids its workmanship guarantees if you choose to use your own trusted technician. As someone who prefers using contractors I trust and know who will do a good job, I believe this restriction limits flexibility and can be frustrating for Mississippi homeowners. Additionally, I’m disappointed that Elite doesn’t cover emergency repairs without charging an additional $150 fee, which seems unacceptable from a company that prides itself on customer service, especially when critical systems like air conditioners fail during Mississippi’s humid summers. This could lead to some budget-strapped homeowners suffering for a few days to avoid paying fees (and potentially leading to adverse health effects like heat stroke).
Furthermore, Elite’s blanket exclusion of commercial-grade equipment could be a dealbreaker for those who’ve invested in these types of appliances. Covering specialty-grade items requires paying additional fees for add-ons, making Elite’s plans much less cost-effective than those of competitors when including these optional add-ons.
Elite Home Warranty stands above all other home warranty providers with its industry-leading coverage limits. Its coverage caps are $10,000 for home systems and $6,000 for appliances. Compared to the $2,000 to $3,000 caps most competitors typically offer, Mississippi homeowners won’t have to worry about exceeding these limits and paying any extra cash out-of-pocket for replacement systems or appliances, even if they own high-end equipment. I strongly recommend Elite’s Complete plan to all homeowners as it includes appliance and system coverage for the best bang for your buck. Additionally, Elite excels with an impressive 26 add-on options, allowing you to tailor your coverage to fit your specific home needs.
One area where Elite is lacking compared to competitors is not offering emergency repairs outside of normal business hours without extra fees. If you have an emergency, like a broken water heater or an AC unit that won’t turn on in the 103ºF summer heat, at night, or during the weekend, you must pay a $150 emergency fee. With these drawbacks considered, I give Elite Home Warranty a fair 8.6/10 rating for its comprehensive coverage and flexibility. All in all, if you need to protect your high-end home systems and appliances and don’t want any worry about exceeding the coverage limits, Elite Home Warranty is my top recommendation for Mississippi homeowners.
Like other home warranty providers, Elite Home Warranty offers three plans, an appliance-only, system-only, and a combined coverage plan. For Mississippians seeking the most comprehensive protection, I recommend the Elite Complete plan. It bundles both appliance and system coverage for only a slightly higher price. During my secret shopping, a customer service representative offered me a 30-day free trial and a $150 discount for enrolling by phone. These discounts make it even more appealing from a cost standpoint.
Elite’s industry-leading coverage caps are what really sets it apart from other home warranty companies, easily earning a perfect rating for its plans and coverage. Its appliance coverage limit is $6,000 per claim, and its systems coverage limit is $10,000. These caps are two to three times greater than those of most other providers, including industry leaders like Liberty Home Guard and American Home Shield. These high limits will likely prevent any out-of-pocket expenses for repair/replacement coverage for any Mississippi homeowner.
| Plan | Monthly Cost | Service Fee | Available Discounts |
| Elite Appliance | $48.99 | $100 | $150 sign-up (phone), 30-day trial (phone) |
| Elite Systems | $52.99 | $100 | $150 sign-up (phone), 30-day trial (phone) |
| Elite Complete | $59.99 | $100 | $150 sign-up (phone), 30-day trial (phone) |
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Jackson, MS. The cost data presented was accurate at the time of writing.
Available Add-Ons
Elite offers an incredible 26 optional add-ons for Mississippi homeowners. I love its optional coverage for annual HVAC maintenance. Available add-ons include:
- Attic exhaust fan: $69.99/year
- Central vacuum: $49.00/year
- Effluent pump: $99.99/year
- Ejector pump: $99.99/year
- Freestanding freezer: $59.99/year
- Freestanding ice maker: $59.99/year
- Freestanding spa equipment: $119.99/year
- Generator: $99.99/year
- Geothermal heating and cooling System: $299.99/year
- Grinder pump: $99.99/year
- Guest house: $299.99/year
- HVAC annual maintenance: $299.99/year
- Jetted/hot Tub: $99.99/year
- Lawn Sprinkler System: $99.99/year
- Lift pump: $99.99/year
- Limited roof-leak repair: $99.99/year
- Pool & spa equipment: $199.99/year
- Pool equipment: $149.99/year
- Premium appliances: $249.99/year
- Premium benefits: $199.99/year
- Premium systems: $299.99/year
- Premium systems plus: $499.99/year
- Septic system: $129.99/year
- Service lines: $349.99/year
- Sump pump: $99.99/year
- Swamp cooler: $149.99/year
- Water filtration system: $99.99/year
- Water softener: $99.99/year
- Well pump: $99.99/year
- Wine cooler: $69.99/year
Exclusions
Elite Home Warranty has the following industry-standard exclusions to its plans:
- A lack of maintenance
- Acts of God
- Commercial-grade appliances
- Cosmetic damage
- Natural disaster-related damages
- Units in a rental property
Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
While base Elite Home Warranty pricing for its three plans looks competitive up front, with monthly rates generally between $45 and $60, there are some hidden fees that you should know about. Service for premium-grade appliances carries an additional $150 per visit fee and weekend and after-hours emergency repairs have a $150 fee. Most add-ons cost slightly more than average, ranging from $15 to $20 per month. Its $100 service call fee is in line with other providers like American Home Shield and Select Home Warranty.
During my secret shopping, I spoke with two customer service reps about pricing. Both reps were vague and not well trained about Elite’s add-on fees, which I also had difficulty finding on its website. This lack of knowledge and communication about add-on fees can prevent Mississippi homeowners from accurately comparing plans and budgeting for a new plan. One plus is Elite’s 30-day trial period, letting homeowners test drive Elite’s service before 100% committing to them. Considering these pros and cons, I give Elite Home Warranty’s affordability a strong 8.7/10 rating.
Despite hundreds of customer reviews from reputable sites, including the BBB, Trustpilot, and Google, Elite Home Warranty’s website is lacking compared to other providers in the industry. It doesn’t have online pricing or quoting at all — Mississippi homeowners must call in for any price estimates. On top of that, its add-on fees are also hard to find, buried deep in the website, and only listed as a yearly price. This hidden pricing makes accurate monthly budgeting a challenge and creates unnecessary friction in the comparison-shopping process. Having so many positive reviews (out of nearly 1,000) shows that most homeowners appreciate the company’s responsive support and coverage once they get a plan with EHW.
Speaking with a customer representative on the phone, it seemed like they either lacked training around the extra fees and charges associated with plan add-ons or were intentionally vague about the costs. Either way, this is concerning and frustrating to me and earns Elite a fair 7.6/10 rating.
Elite Home Warranty is the newest player in the home warranty industry, but has already earned a stellar A+ rating and accreditation with the BBB. The strong rating and accreditation is a testament to Elite’s quality service, strong communication, and fair claims process. Although Elite has more than 1,000 combined reviews on the BBB, Google, Trustpilot, and Yelp (compared to other providers with multiple to tens of thousands of ratings), the available feedback is overwhelmingly positive.
Reviewers like EHW’s swift claims handling, affordable pricing, quality repairs, friendly customer service, and exceptional follow-ups. The very few negative reviews mention lengthier waiting periods than what’s advertised and communication delays. However, these appear to be isolated cases. Considering Elite’s A+ BBB rating and its 4.7+/5 star rating on four trusted review platforms, I give it 8.3/10 for its reputation. The only thing holding me back from a higher rating is its small review sample size.
| Rating Site | Rating | Number of Reviews |
| BBB | A+ / 4.97 out of 5 stars | 739 |
| Trustpilot | 4.7 out of 5 stars | 59 |
| 4.8 out of 5 stars | 146 | |
| Yelp | 4.8 out of 5 stars | 4 |
Editor’s Note: The ratings provided were accurate at the time of writing.
I like that Elite Home Warranty allows 24/7 claims filing online or by phone, which is now the industry’s standard practice. If you have a non-emergency claim, Elite’s 24- to 48-hour response time mirrors top competitors. While acceptable, this timeframe is no better than the industry average. Elite encourages customers to submit claims as soon as an issue arises, and they will then authorize you to find your own technician or schedule someone from their contractor network. Just keep in mind that using an out-of-network contractor voids Elite’s workmanship guarantee.
One drawback I found after reading through a sample contract is Elite Home Warranty’s policy of charging an extra $150 fee for after-hours emergency coverage. This practice can leave Mississippians with tight budgets sweating out a 100ºF weekend with a broken air conditioning unit to avoid paying extra fees. I find it disheartening that Elite Home Warranty lacks dependability during these critical situations and instead profits from households in need of assistance. Given this approach to emergencies and its industry-average response time for non-emergencies, I give the company 6.8 out of 10 for its claims process.
Elite Home Warranty offers its plans to homeowners in 46 U.S. states, with no coverage in California, Texas, Washington, and Wisconsin. With its dependable network of contractors in Mississippi, homeowners can count on fast, quality repairs when system and appliance break-downs occur.
AFC Home Warranty
4.3
Our Rating
I appreciate the special perks that AFC Home Warranty offers, ones that extend beyond the standard coverage for appliances and systems. AFC stands ahead of other providers by bundling uncommon optional coverages like discounted home security, medical care, credit monitoring, and insurance savings with robust core protection plans. I’m impressed by the company’s predominantly positive customer reviews, which are rare in the home warranty industry. AFC’s add-ons let Mississippians tailor comprehensive protection to meet their needs. This delivers unmatched value.
I’m concerned about AFC Home Warranty’s variable coverage limits, with some appliances and systems having caps up to $3,000 while others only offer between $150 and $1,000 in protection. Homeowners must review each item’s coverage details meticulously to avoid unexpected gaps that could leave them exposed to high repair or replacement costs. Another drawback is AFC’s lack of 24/7 emergency repair services without additional fees. That can be problematic during Mississippi’s hot, thick summers when prompt assistance for critical AC system failures is essential to maintain health and comfort.
Based on my experience and research, I give AFC Home Warranty a resounding 8.5/10 rating for its user-friendly website, customizable plans with flexible service fees, and unique membership perks. These set it apart from other Mississippi home warranty companies. AFC’s BBB grade of A+ and consistently positive customer reviews for seamless claims and knowledgeable technicians further solidify its position as one of my top choices for home protection in Mississippi. However, AFC has lower coverage caps compared to most other national providers, with a max cap of $3,000 per item. That could concern homeowners with high-end appliances and home systems.
For homeowners considering AFC Home Warranty, I recommend the Diamond Plan. It bundles home systems, appliances, limited roof leaks, electronics, and more under one comprehensive and affordable package. While the plan has limitations in emergency services and coverage caps, it suits the needs of most Mississippi homeowners seeking broad protection. AFC strives to deliver timely, high-quality service for unexpected breakdowns by guaranteeing repairs within 48 hours and offering a lifetime workmanship guarantee — unmatched in the industry. AFC Home Warranty offers a compelling mix of flexible plans, perks, and reliable service that make it a strong provider for Mississippi homeowners, despite a few drawbacks like variable coverage caps.
AFC Home Warranty’s exceptional Diamond Plan stands out to me as the best choice for Mississippi homeowners. This comprehensive plan covers home systems, appliances, electronics, exterior lines, and unique extras like roof leaks. It also offers protection for personal electronic devices, such as smartphones, tablets, and home office equipment. This is a rare perk and one that people who work from home will appreciate.
During my secret shopping, I discovered attractive discounts, including $250 off three-year plans and free roof leak protection. Combined with the Diamond Plan’s one-of-a-kind coverage with rare perks and AFC’s competitive pricing, savvy Mississippians can maximize their savings while securing robust, customized protection.
Besides its top-tier Diamond Plan, AFC offers three other plans. Its entry-level Silver Plan covers nine major home appliances, while the Gold Plan protects 15 appliances plus systems like electrical, plumbing, and HVAC. The Platinum Plan expands coverage to 18 appliances/systems, including microwaves and in-fridge ice makers. For its coverage and plan variety, electronic device protection, and other unique perks, I rate AFC Home Warranty a respectable 8.1 out of 10.
| Plan | Monthly Cost | Service Fee* | Available Discounts |
| Silver Plan | $43.58, $46, $48.42 | $75, $100, or $125 | Up to $250 off, free roof leak protection |
| Gold Plan | $58.08, $60.50, $62.92 | $75, $100, or $125 | Up to $250 off, free roof leak protection |
| Platinum Plan | $62.92, $65.33, $67.75 | $75, $100, or $125 | Up to $250 off, free roof leak protection |
| Diamond Plan | $97.50, $99.92, or $102.33 | $75, $100, or $125 | Up to $250 off, free roof leak protection |
*If you choose the lower service fee of $75, you pay the higher monthly premium. For example, the $48.42 rate for the Silver plan pairs with the $75 service fee.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Jackson, MS. The cost data presented was accurate at the time of writing.
Available Add-Ons
AFC Home Warranty offers the below optional add-ons to its plans. Personally, I appreciate the built-in microwave, double oven, well pump, and septic system coverage as my home has these less common items.
- Built-in microwave: $50/year
- Central vacuum: $25/year
- Double oven: $25/year
- Electronics coverage: $24.99/month
- Hot water dispenser: $25/year
- Ice maker: $25/year
- In-ground pool: $100/year
- In-ground pool and spa: $150/year
- Roof leak (free, worth $25/year)
- Septic system: $50/year
- Stand-alone freezer: $25/year
- Sump pump: $35/year
- Well pump: $50/year
Exclusions
Like all home warranty companies, AFC has exclusions to its plans. Here are this provider’s exclusions:
- Crane rentals needed to move appliances or systems
- Geothermal heating systems
- Haul-away services
- Light fixtures
- Malfunction or damage caused by acts of God
- Code violations
- Appliances and systems not properly maintained
Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
AFC Home Warranty impresses me with its affordability and flexibility — its plans cater to a wide range of homes and budgets. AFC’s plans start at under $40 per month for essential appliance or system coverage. The comprehensive Diamond Plan remains competitively priced at about $100 per month, despite including unique features like electronics and external sewer line coverage that other providers usually don’t protect. I like that AFC lets homeowners customize plans by choosing per-service-call fees of $75, $100, or $125. It allows homeowners to balance higher deductibles against lower monthly premiums.
However, before you agree to a policy from AFC Home Warranty, I strongly advise reviewing a sample contract. While it advertises $3,000 coverage limits for home systems and appliances, certain items, such as microwaves and ovens, have much lower caps (from $150 to $500). Those limits are OK for some items and not for others. Also, optional add-ons can accumulate quickly and hike your monthly cost. Most add-ons exceed $15 a month in price.
Despite these shortcomings, AFC’s affordability, flexibility, and selectable service call fees make it a strong contender for Mississippi residents seeking customizable home warranty protection that matches their budgets and home repair concerns.
After exploring AFC Home Warranty’s website, getting quotes, and talking with customer service reps, I’m thoroughly impressed and give the company a tremendous 9.2/10 score for my customer experience rating. AFC’s hands-off sales approach and 24/7 availability prove incredibly convenient for emergency issues that may arise overnight or on weekends. Furthermore, customer reviews praise AFC’s great communication and professional technicians during repairs — two important factors that contribute to a positive home warranty in my book.
AFC’s user-friendly website organizes all its plans, coverage tiers, and optional add-ons in a single screen with pricing and service call fees (which you can toggle for higher or lower monthly premiums). This interface makes it easy for Mississippi residents to customize plans to better align them with their budgets and home repair concerns. Unlike most providers with just a vague sample contract, AFC provides sample agreements that show coverage specifics for each plan. This simplifies the shopping process and helps you make the best decision for your new home warranty.
AFC earns a solid 8.3/10 reputation rating from me for its 3 to 3.7 ratings on Google and Trustpilot. For the most part, AFC Home Warranty stands apart among home warranty providers in Mississippi, outshining major rivals mired in disappointing 2-star ratings. Despite operating for nearly 15 years and maintaining a BBB accreditation since 2015, AFC garners fewer reviews than its top competitors. Nonetheless, many customers laud AFC’s excellent service, prompt contractor dispatch, easy claims process, and fair reimbursements for necessary repairs, reflecting the company’s commitment to Mississippi homeowners.
While some negative reviews highlight coverage gaps, cancellation fees, late/no-show contractors, or contract misunderstandings, AFC showcases its responsiveness by swiftly resolving over 140 BBB complaints over the past couple of years, ensuring customer satisfaction. Although more online feedback would benefit AFC, its current ratings and accountability demonstrate its dedication to providing quality service to homeowners in the Magnolia State, with many praising its smooth operations and fair reimbursements.
| Rating Site | Rating | Number of Reviews |
| BBB | B / 2.59 out of 5 stars | 170 |
| Trustpilot | 3.0 out of 5 stars | 24 |
| 3.7 out of 5 stars | 1,589 | |
| Yelp | 1.9 out of 5 stars | 337 |
Editor’s Note: The ratings provided were accurate at the time of writing.
AFC Home Warranty receives a subpar 6.8/10 rating for its Mississippi claims process. While it offers a life-of-contract workmanship guarantee, which shields homeowners from paying more for repeat repairs on the same system or appliance component, the company lacks 24/7 emergency repair options. This is a big drawback. No one wants an appliance or system problem to turn into an emergency.
AFC is typically responsive and has a standard response time of 24 to 48 hours. However, the lack of emergency support during nights, weekends, and holidays brings down its rating. Prospective customers should consider this shortcoming before enrolling.
AFC Home Warranty services 48 states, earning it a 10/10 rating. It lacks coverage in California and Hawaii. For Mississippi homes, AFC has a strong local network of experienced contractors who provide quality repairs to appliances and important home systems.
Calculate the Cost of Mississippi Home Warranty
Use our calculator below to estimate the cost of a new home warranty plan. Just type in your monthly premium, service call fee, and the number of service/repair visits you expect in a year. Our tool will then provide the full estimated annual cost of a plan for your Mississippi home.
| Appliance | Average Repair Cost | Average Replacement Cost |
|---|---|---|
| Dehumidifier | $50–$200 | $1,300–$2,800 |
| Microwave | $50–$400 | $60–$2,000 |
| Dishwasher | $50–$500 | $400–$3,000 |
| Exhaust Fans | $16–$300 | $250–$950 |
| Electric Range | $100–$500 | $230–$3,000 |
| Gas Range | $100–$500 | $230–$3,000 |
| Dryer | $100–$400 | $450–$2,300 |
| Oven | $100–$430 | $400–$3,000 |
| Washer | $50–$450 | $400–$2,300 |
| Freezer | $90–$500 | $160–$2,900 |
| Refrigerator | $40–$350 | $200–$5,000 |
Mississippi Home Warranty Regulations
In Mississippi, home warranties are not considered insurance contracts but rather service contracts, subject to the Mississippi Consumer Protection Act. However, the home warranty industry is not well-regulated in the state, making it crucial for homeowners to thoroughly review coverage plans, fine print, and customer reviews before selecting a provider. While Mississippi doesn’t have a dedicated regulatory body for home warranty companies, consumers can still vet providers by checking their affiliations with industry organizations like the National Home Service Contract Association (NHSCA), which requires member companies to adhere to a code of ethics focused on fair business practices.
If a Mississippi homeowner encounters a home warranty company acting in bad faith, they can file a complaint with the state attorney general’s office. Additionally, the NHSCA can help expedite consumer complaints by directly contacting the provider’s upper management. To further protect themselves, homeowners should remain cautious of exaggerated claims and carefully examine sample contracts for hidden fees or exclusions, which may not always indicate a scam but can prompt consideration of alternative providers.
Editor’s Note: While this article highlights certain regulations, it is vital for readers to do their own research, as the mentioned regulations are not exhaustive.
Frequently Asked Questions
Do You Need a Home Warranty in Mississippi?
With Mississippi’s hot, humid summers and higher-than-average rainfall adding more wear and tear to home systems and appliances, a home warranty can provide valuable protection against unexpected repair costs. The decision ultimately depends on your specific home, budget, and risk tolerance.
How Much Does a Home Warranty Cost in Mississippi?
The average cost of a home warranty in Mississippi is around $500 per year, plus service call fees ranging from $50 to $125 per incident. For a more detailed breakdown of home warranty costs and factors that can impact pricing, check out our article on how much a home warranty costs.
How To Save Money When Shopping for Home Warranties In Mississippi?
To get the best rates on home warranties in Mississippi, I recommend getting quotes online and over the phone from at least three providers, then compare coverage, exclusions, and limits. Ask about promotions and discounts, such as multi-year contracts and waived service fees.
Is a Home Warranty Worth It for Mississippi Homeowners?
A home warranty is worth it for Mississippi homeowners because it can provide peace of mind and protection against unexpected repair costs, which can be especially helpful for those with older homes or limited savings. To learn more about the pros and cons of home warranties and whether one might be right for you, read our in-depth article on the topic.
