For many homeowners in South Dakota, a home warranty is the best way to protect their home systems and appliances from unexpected repairs, and their bank accounts from these expenses. The best home warranty companies in South Dakota offer a variety of coverage plans to the residents of Sioux Falls, Rapid City, Mitchell, and other towns across the state.

Editor's Choice
97.0

Limited Time: New Customers Get $50 Off
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Best Overall
97.5

Limited Offer: $50 Off + 1 month free
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Most Affordable
95.8

Limited Time: $150 Off + 2 Free Months + roof coverage
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Best Home Warranty Companies in South Dakota

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.5
  • $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 97.0
  • 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 95.8
  • $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 95.1
  • $200 off + 2 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 Total Home Protection
Editorial Rating 95.05
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)
  # 6 Cinch Home Services
Editorial Rating 95.0
  • Get $100 Off Most Popular Plan!
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee
  # 7 First American Home Warranty
Editorial Rating 94.9
  • Best Customer Service 2020
  • $100 Instant Online Discount
  • Plans from $25/m
  • Automatically renewed policy

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.

How to Find the Best Home Warranty in South Dakota?

Finding the best home warranty for your house, townhome, or an apartment is not an easy task. It is especially hard to do on your own. Don’t worry! You are not alone. We are here to help you with your search. Among the many home warranties in South Dakota, ReviewHomeWarranties.com selected the best-rated home warranty companies and not only reviewed them, but also collected customer feedback from various consumer reporting sites such as BBB, Yelp, and Google Reviews.

South Dakota house

Two hardwood rocking chairs on the white washed porch of an old western house with yellow pealing paint and lace curtain framed window.

What do you need to keep in mind while searching for home warranties in South Dakota? First of all, take a look around your house. How old is it? When was the last time you upgraded your home systems? How often do you have to do an appliance repair? The answers to all of these questions will help you decide which home warranty companies in South Dakota will be the best for you: those that cover most home systems, home appliances, or both.

One of the factors that may influence your decision about which home warranty company to prefer is climate. In South Dakota, the climate is continental, with cold winter and hot summers. During the summers, the temperature in the state may raise as high as 90 °F (32 °C), and hot spells up to 100 °F (38 °C) are not uncommon. Many homeowners find relief from the summer heat in their swimming pools. These are usually not included in home warranty plans in SD, but many home warranty companies in South Dakota offer reasonably-priced swimming pool warranty as an optional add-on item.

Read Also: What Are The Best Home Warranty Plans For A Furnace?

The best home warranty companies in South Dakota, such as Select Home Warranty, also offer additional services, such as roof leak coverage or lawn sprinkler system coverage. For a limited time, roof leak coverage may be added at no extra cost to any of the home warranty plans in SD offered by Select Home Warranty.

What is the Cost of Home Warranty in South Dakota?

The cost of a home warranty in South Dakota, as with any other state, depends on the plan that you choose and how many additional items and services you add to it. Similar to insurance, the total price for a home warranty in South Dakota depends on the premium and deductibles. With some home warranty companies, such as American Home Shield, the cost of the premium depends on the amount of the deductible known as the “service call fee.” The higher the deductible is, the lower the premium.

Usually, new homeowners prefer to purchase home warranty plans that cover the most essential parts of their houses just to get a taste of the home warranty and see how it works. For this purpose, the best-rated home warranty companies in South Dakota, such as Total Home Protection, offer basic plans for a very affordable cost.

The more experienced homeowners in South Dakota know that the best protection for their homes comes with more comprehensive plans that include all major home systems, such as heating, air conditioning, electrical, plumbing systems, and most kitchen and laundry appliances. Among multiple home warranty companies available to South Dakota, Choice Home Warranty offers one of the best premier plans at a competitive price.

Read Also: What Are The Best Home Warranty Plans For Plumbing?

Best Home Warranties in South Dakota Reviewed

Choice Home Warranty Review (Best Overall Home Warranty)

  • Service Fee: $85
  • Coverage: 9/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 10/10
  • Customer Service: 9.5/10
  • Rating: 97.50

Visit Website

(848) 237-1571
choice home warranty

Why Do We Like Choice?

Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.

Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have "Optional Coverage" for add on items most homeowners don't usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items. 

Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.

The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.

A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.

That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.

Policy On Pre-Existing Issues or Older Units?

Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life. 

What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).

Pros

  • Good Limits (up to $1,500)
  • Minimal Exclusions
  • More Affordable 

Cons

  • Only 15 Home Appliances & Systems Covered 
 

American Home Shield Review (Editor's Choice)

  • Service Fee: $75 – $125
  • Coverage: 10/10
  • Limits: 10/10
  • Exclusions: 9.5/10
  • Affordability: 7/10
  • Customer Service: 9/10
  • Rating: 97.00

Visit Website

(866) 464-7521

american home shield home warranty

Why Do We Like American Home Shield?

Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.

In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.

They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 - $3,000 per claim.

Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • Highest Payout Limits (up to $3,000)
  • Widest Coverage (21 systems and appliances)
  • Fewest Exclusions

Cons

  • Most Expensive

 

Select Home Warranty Review (Most Affordable)

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 8/10
  • Exclusions: 8/10
  • Affordability: 10/10
  • Customer Service: 8/10
  • Rating: 95.80

Visit Website

(888) 370-3954
select home warranty

Why Do We Like Select Home Warranty?

Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 - $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.

If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.

Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • Most Affordable Service Contracts 
  • Roof leaks Are Covered In Their Platinum Plan

Cons

  • Ultra Pushy Sales
  • 3 Days To Submit Claim
  • Weaker Network Of Contractors
 

Liberty Home Guard Review

  • Service Fee: $75
  • Coverage: 10/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 8/10
  • Customer Service: 9/10
  • Rating: 95.10

Visit Website

(866) 472-3812

liberty home guard

Why Do We Like Liberty Home Guard?

Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice. 

Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home. 

Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month. 

We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.

Policy On Pre-Existing Issues or Older Units?

If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.

Pros

  • State of the art customer portal system
  • Rigorous testing for contractors
  • Ability to use your own contractors
  • Fair pricing
  • Good customer service for a newer company

Cons

  • Must report your issues within one day of noticing a problem
 

Total Home Protect Review

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 7/10
  • Exclusions: 7.5/10
  • Affordability: 8/10
  • Customer Service: 8/10
  • Rating: 95.20

Visit Website

(267) 824-4010

total home protection home warranty

Why Do We Like Total Home Protect?

Total Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.

Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.

Most home warranties do not cover anything related to your roof but Total Home Protect does, which we found to be unique to their offering helping them crack our top list.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and AHS, Total Home Protect covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • You Can Choose Your Own Technicians
  • Roof Coverage

Cons

  • More Exclusions Than Most Competitors
  • The Worst BBB score
  • Low Payout Limits ($500)

The Final Words

Purchasing a home warranty in South Dakota is easy, as many home warranty companies offer their services to the state’s residents. However, selecting the best home warranty can be hard. To help you with this task, ReviewHomeWarranties.com has collected information on various home warranty service providers in South Dakota and rated them accordingly. In our reviews, we included home warranty BBB and Yelp ratings as well as customer feedback.

Whether you need an appliance repair in Sioux Falls or swimming pool coverage in Rapid City, the best home warranty companies in South Dakota offer great coverage plans that will cover all of your needs for a home warranty.

To help you decide whether you need a home warranty at all, we created a home maintenance calculator that compares home maintenance costs to the cost of a home warranty in South Dakota. To start your calculations, enter the age of your house and the number of repairs of your home systems and appliances per year. You will immediately see how the cost of home maintenance for your house compares to the cost of a home warranty.

If you're curious about what companies offer for nearby states like North Dakota or Montana, we can help. We've reviewed all 50 US states on our USA page.

To get a free quote, click on the green “Visit Website” button for the company of your choice or give them a call. Most home warranty companies in South Dakota serve their clients 24 hours a day, seven days a week.

Nearby States

All states
Home warranty North Dakota 31 companies available
North Dakota Home Warranty
Home warranty Minnesota 32 companies available
Minnesota Home Warranty
Flag Nebraska Home Warranty
Home warranty Nebraska 34 companies available
Nebraska Home Warranty

Frequently Asked Questions in South Dakota

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

Q.

Is a South Dakota home warranty worth it?

A.
To manage your budget in the face of potentially large home repair bills, a home warranty is worth it. Instead of spending hundreds or thousands of dollars each time, say, a dishwasher or your heating system breaks down, a home warranty covers those items and much more for one low monthly premium. 
Q.

What are the best home warranty companies in South Dakota?

A.
We’ve done the research on over 65 companies all around the United States. Here are the top five we’ve found for South Dakota homeowners.

  1. Choice Home Warranty
  2. American Home Shield
  3. Select Home Warranty
  4. Liberty Home Guard
  5. Total Home Protection
Q.

What do home warranties cover?

A.
So, for those things your insurance won’t cover, a home warranty is there to help you manage the cost of malfunctioning systems and appliances due to wear and tear.

Commonly covered appliances include:

  • Refrigerator
  • Oven/stove/range
  • Built-in Microwave
  • Clothes Washer
  • Clothes Dryer
  • Dishwasher

Commonly covered systems include:

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

You’ll also get coverage on some systems and appliances you might not think of. Depending on the home warranty provider, you can get standard coverage on things like doorbells, ceiling and exhaust fans, and garbage disposals. 

There is often optional add-on coverage you can get for things like pool and spa, sump pump, well pump, or extra HVAC systems. 
Q.

How much does a home warranty cost?

A.
The main cost of a home warranty is the monthly premium. While most home warranty providers offer three types of coverage: Appliance Plans, Systems Plans, and Combo Plans, most people choose the comprehensive coverage of a Combo Plan that covers all your major systems and appliances. Here is the average cost of a Combo Plan among the top providers in South Dakota.

Combo Plan
Monthly
Annually
Top 5 Average
$59
$708

The other cost associated with a home warranty is the service call fee. When you have a problem with a covered appliance or system, you’ll contact the home warranty company. They’ll send a technician to your home, and charge a fee ranging from around $75 to $125. Usually, the higher the service call fee, the lower the premium.
Q.

How do I choose a good home warranty?

A.
Here are three basic steps to take in choosing the right home warranty for your South Dakota home.

  1. Dig into the data - Do the kind of work you are doing now - find out the best companies and plans available in your area.
  2. Get multiple quotes - Don’t just go with the first company you find. Contact several providers to get quotes on the exact coverage you are looking for.
  3. Read the contract - Take a close look at the service agreement to understand the coverage, limitations, and exclusions so you know what to expect before signing and sending in that first premium payment.