Best Home Warranty Companies in South Dakota (2023 Review)

Compare South Dakota Home Warranty Providers

South Dakota Home Warranty Costs 

Even though a plan may have the perfect coverage for your home, most South Dakota residents will make their ultimate decision about whether to invest based on the costs. The costs of the plan are paramount because they will impact the budget and ultimately help South Dakota homeowners choose the best plan. At Review Home Warranties, we felt as though it was necessary for South Dakota homeowners to have a better understanding of the average costs of a home warranty plan. Having these average costs in place can help you decide what a fair price is for plans across the entire state. We have done in-depth research to come up with these numbers across several different home types. 

South Dakota Home Warranty Companies Reviews

At Review Home Warranties, we have reviewed more than 70 companies to help narrow down the top seven home warranties for South Dakota homeowners. When comparing each of these home warranty companies, we looked at plan options, time in the industry, customer service, coverage caps, service fees, and more. Here is how the top seven home warranty companies in South Dakota ranked. 

1. Best Overall: Choice Home Warranty

Choice Home Warranty is the best overall home warranty policy in the state of South Dakota. Choice is a 13-year-old home warranty provider that has established from the start that they are going to provide high-quality and affordable home warranty plans for South Dakota homeowners. The plans from Choice Home Warranty are comprehensive and will cover both systems and appliances. Customer service is easy to deal with, and your repair will be completed in a timely matter when working with Choice Home Warranty. This plan is without a doubt the top home warranty company in the country. 

 Plans and Pricing 

The Choice Home Warranty plan is fairly priced, considering the wide range and depth of coverage. In addition, the service fee for the Choice Home Warranty plan is also average and will not be difficult to afford should there be a few repairs in a month. 

Coverage

The Choice Home Warranty has some of the best coverage on the market. The reason behind this is the fact that the Choice Home Warranty plan has very high coverage caps. Most of the coverage caps are $2500, allowing even expensive repairs to be covered. Some of the most popular coverages under the Choice Home Warranty plan include . . . 

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

What Customers Are Saying: 

“Troy did a fantastic job and was very knowledgeable. Told me everything I was covered for and was able to lock in a great rate. I'm happy to be a 2nd generation Choice Home Warranty Customer, and I would highly recommend others to use Choice Home Warranty. Thank You.” Source

2. 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 South Dakota. The Liberty Home Guard plan has only been on the market for two years, yet it is one of the highest-rated home warranty plans out there. With the Liberty Home Guard plan, you will get tremendous customer service and a very long list of add on or optional coverages for your home. If you have unique systems or appliances and are worried about finding coverage, Liberty Home Guard would be the place to look. 

Plans and Pricing

Overall the Liberty Home Guard plans are set up the same way as the Select Home Warranty plans. You will have an option for an appliance plan, system plan, or a combination plan. The Total Home Guard is the most popular of the Liberty Home Guard policies. 

Coverage: 

The Liberty Home Guard plan offers a good range of coverages and fair coverage caps. The service fees with Liberty Home Guard are also relatively low. When you start adding in all of the extra or optional coverage from Liberty Home Guard, things get a bit more expensive, but the plan is still fairly priced. Most South Dakota homeowners appreciate these coverages included with the Total Home Guard plan. . . . 

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

What Customers Are Saying: 

“What a great start!! ****** was extremely helpful and so patient with my long list of questions. I'm so glad I finally found a home warranty with such great customer service. So far, so good!” Source

3. Most Customizable: American Home Shield 

American Home Shield is the most customizable plan for South Dakota homeowners. With the American Home Shield plan, you can choose between coverages and build out a plan that is specific to the needs of your home. Homeowners that invest in the American Home Shield plan are investing in more than 50 years of home warranty knowledge and service. There is no questioning the fact that this is a premium home warranty company. The coverage caps and customizable pricing make the American Home Shield policy a premium choice that will come at a slightly higher price point. 

Plans & Pricing

American Home Shield plans are some of the higher-priced options on the market. However, when you look at the way the plan functions for your South Dakota home, it is easy to see why. The service fee from American Home Shield is customizable and allows your monthly home warranty costs to change accordingly. 

Coverage 

The American Home Shield plan has some of the highest coverage limits on the market. If you are going to need a replacement of a high-end appliance or system, this is the plan that you are going to want to have in place. Some of the coverages that homeowners tend to include are . . . 

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

What Customers Are Saying

“I have nothing but great experiences with American Home Shield. They have quick response time and the contractors being used are great especially *******************************************. I highly recommend a home warranty.” Source

4. Most Affordable: Select Home Warranty 

Select Home Warranty is the most affordable home warranty in the state of South Dakota. The affordability of the plan cannot be undervalued. As a homeowner, there are always expenses and monthly fees that need to be paid. Having a home warranty that is affordable yet effective is a great benefit. The Select Home Warranty policy has been around for more than nine years, and they have a tremendous understanding of what a South Dakota homeowner needs and wants. With the Select Home Warranty, you will get free roof leak coverage with all of the plan choices. 

Plans and Pricing

The Select Home Warranty policy is known for its fair pricing. The Platinum Care plan is the best overall choice because of the combination of system and appliance coverage that it offers. The Gold Care and Bronze Care plans make a great option for a new homeowner. 

Coverage: 

The Select Home warranty plans have limited coverage caps but broad coverage options. If you have a high-end HVAC unit that goes down, your Select Home Warranty policy may not cover the entire replacement, but it will certainly help.  Some of the coverages included with the Platinum Care plan include... 

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

What Customers Are Saying

“Even though My garage door did not need service, after all, I was pleasantly pleased and appreciative of the prompt and courteous service I received as a new and first-time caller/customer.” Source

5. Best Workmanship: Cinch Home Services 

The Cinch Home Services warranty offers the best workmanship for a South Dakota homeowner. With the Cinch Home Services plan, you will get a 180-day workmanship guarantee, one of the longest in the industry. South Dakota homeowners can have complete confidence in the home warranty repair that is completed on their home. The Cinch Home Service Plan has been in the industry for more than 40 years. You can expect impressive workmanship and excellent customer service from Cinch Home Services.  

Plans and Pricing

The Cinch Home Services plan has three impressive options to choose from. These options include the Appliances Plan, Build In System Plan and the Complete Home Plan. Most South Dakota homeowners are choosing the Complete Home Plan to ensure that they have a mix of appliance and system coverage. 

Coverage

The coverage caps for the Cinch Home Services plan are relatively set and will cover a large number of repairs. The higher service fees associated with Cinch Home Services help lead to higher quality repairs. 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

“My garage door opener quit working. I originally thought it was something simple and had someone come out to analyze. Of course, it wasn't, so I turned to total protect to fix my garage door opener. I needed a new opener. This was accomplished in one visit. Yeah.” Source

6. Best Coverage: First Premier Home Warranty 

First Premier Home Warranty is the best home warranty for South Dakota residents looking for extensive coverage. The coverage associated with the First Premier Home Warranty will cover a large number of systems and appliances in the home. First Premier is a newer company but has managed to earn a BBB rating of A-. The policy options are reasonably priced, and the plan leaves homeowners with peace of mind about a large portion of their home’s systems and appliances. 

Plans & Pricing 

The First Premier home warranty will offer some great discounts for those that are willing to pay the upfront fees. If you can afford to pay for the plan in advance for a year or even two years, the overall pricing will drop considerably. Outside of that, the First Premier plan is still fairly priced. 

Coverage

The coverage offered by the First Premier Home Warranty is more of a blanket type coverage that will cover a large number of items. If you choose a plan like this, expect that you are going to have very low coverage caps but lots of covered items. The First Premier Home Warranty is not the best plan when it comes to replacement, but for repairs, it is great. Some of the coverages included under the Platinum Plan include . . . 

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

What Customers Are Saying 

“Great and reliable company. Waited to do this after my service request; they showed up on time and got me approved for a new microwave!” Source 

7. Best Emergency Service: ServicePlus Home Warranty 

ServicePlus Home Warranty is the best option for emergency service in South Dakota. If you experience an issue with your heating system in the middle of the South Dakota winter, you are going to need quick service. The ServicePlus home warranty will sometimes be able to offer a repair within a 24 hour period. Most other home warranty companies do not even have this option. In addition, ServicePlus has built up a very strong list of service technicians to help encourage quicker and higher-quality repairs. 

Plans and Pricing

The ServicePlus home warranty only has two plan choices. These plans are rather similar, yet the Platinum plan has quite a bit more coverage and is just a few dollars extra per month. The service fees are considered average, but there can be upcharges for some emergency repairs. 

Coverage

The ServicePlus home warranty plan is an excellent choice for a family that is worried about plumbing or electrical service experiencing a problem. When you need a quick repair, this is the plan. The coverage caps are not as high as they are for other companies, but they still offer adequate coverage. Some of the most popular coverages under the West Virginia home warranty are . . .

• Dishwasher
• Garbage disposal
• Electrical system
• Plumbing System  
• Refrigerator 

What Customers Are Saying:

“My refrigerator went out, and I submitted the claim by phone to Total Home Protection The first contractor couldn’t come out until a week later. So, I called THP back, and they gave me another place, which was able to come out in three days. Since the repair, the refrigerator is working back to where it was before. I only had two claims with AHS, but they were both pretty good.”  Source

What You Should Consider Before Buying A Home Warranty in South Dakota 

Hopefully, you can now see the importance of a home warranty plan for South Dakota homeowners. Having this list of the top seven home warranty plans in South Dakota is quite helpful, but you are also going to need to narrow down which of these plan choices is going to work for you. There are many factors that will separate one home warranty plan from another, and three of the most important are customer service, coverage caps, and optional coverages. 

Customer Service/Claim Submittal

Some companies will have an online portal system that allows you to submit your claims quickly and easily. Sometimes these systems accept claims 24 hours a day, seven days a week. Certainly, this is helpful for those that need a quick and easy repair. Remember that you will have to deal with the customer service team when you have an issue, so it is essential buyer-type to find a company with professionally trained agents. 

Coverage Caps 

The coverage caps associated with the South Dakota home warranty plan can range in price from around $200 to close to $3000. The higher the coverage cap, the easier it is to ensure that your entire repair issue will be covered under the plan. Coverage caps are very high for companies like American Home Shield and Choice Home Warranty. 

Optional Coverages

Optional coverages are things like sprinkler coverage, central vacuum, swimming pools, and more. Having this optional coverage as part of your home warranty plan can help to give a homeowner peace of mind about the policy and the way that it works. Overall optional coverages will add to the cost of a plan but help keep homeowners well prepared for any issue that could come up. 

Home Warranty Tips for South Dakota Residents

South Dakota is a state that will experience a wide range of weather conditions. The summers are warm and beautiful, and the winters can leave you snowed in. Anytime there is a range in temperatures like this, the wear and tear on your home systems is going to increase considerably. Whether you live in Sioux Falls, Pierre, or Rapid City, you can expect to have to deal with a number of different home warranty issues. 

In areas like Aberdeen, Spearfish, and Mitchell, when those winter temperatures hit, the heating contractors will be delayed for weeks. Everyone waits until the last minute to test out their heating system, and it leads to some panicked homeowners. With a home warranty in place, you will be guaranteed service within a certain period of time. 

The terrain in South Dakota is very dry. Most of the state has periods of drought throughout the course of a year. This is important to remember when dealing with the plumbing system or hot water heater. Water becomes a very valuable resource, and South Dakota residents will not want to interrupt their supply. 

South Dakota is a state that has a very low overall population. Areas like Mitchell, Yankton, and Vermillion will have far fewer people than other states in the country. Although this can be looked at as a benefit, it can make it difficult to find quality repair technicians and service personnel. With a home warranty company in place, you won’t have to do any of this research yourself. 

Home Warranty Regulations in South Dakota 

Some states will very carefully monitor the home warranty companies that offer plans in the state, and others will lead this up to the homeowner. With the state of South Dakota, you will be responsible for determining whether your home warranty plan is reputable. South Dakota homeowners should read reviews and carefully check into the plans that they choose. All seven of the home warranty companies on our list are from reputable and well-known home warranty companies. 

Final Thoughts

Hopefully, you are now ready to purchase a home warranty plan for your South Dakota home. All of the options on our list have positive features that could help you increase your peace of mind about homeownership. The Choice Home Warranty plan is the best on the market because of its impressive coverage and overall fair pricing. If you are new to home warranty plans, Choice will help explain everything and be with you every step of the way. With the experience in the industry that Choice has combined with qualified repair technicians, you can’t go wrong with a plan like this. It will make sense to get a few quotes for your home warranty policy to ensure that you are getting an option that is specific to your needs. 

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 South Dakota Homeowners and Home Buyers

• South Dakota Housing Development Authority: For any type of financial issue or question, the South Dakota Housing Development Authority is a great resource. First-time home buyers or those looking for fair mortgage rates can contact the South Dakota Housing Development Authority with questions or concerns. 
• Homeownership Assistance South Dakota: The US Department of Housing and Urban Development can help South Dakota homeowners and homebuyers considering purchasing a home. HUD helps from a financial and educational standpoint and is a federal resource for homeowners and homebuyers. 
• US Department of Agriculture Rural Development: For South Dakota homeowners that are considering purchasing rural land, the US Department of Agriculture Rural Development will offer programs and assistance. This is a resource that is worth considering before you make your final purchase in rural South Dakota. 
• Homes Are Possible South Dakota: For those that think homeownership is not a reality, Homes Are Possible can be a tremendous resource. If you are interested in homeownership but not sure that you can afford it, this home resource can help make all the difference. 
• Planning and Development District III: When looking for resources for South Dakota homeowners, always consider the fact that there are federal, state, and local resources. If you live in District III, you may find that this program can help with additional resources for down payment assistance or first-time home buyer-type programs. 

Recap of Our Top Picks In South Dakota

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  # 1 Our Top Choice Liberty Home Guard

Editorial Rating 98.00

• $200 off + 1 Month Free + Free Roof Coverage!
• BBB's Only A+ Accredited Home Warranty Company!
• 60-day workmanship guarantee compared to the average of 30 days.
• More than 20 options, including window washing, swimming pools, and irrigation.
• 24/7 service calls

Liberty Home Guard Review

Visit Website (866) 472-3812

  # 2 Cinch Home Services

Editorial Rating 95.30

• First 2 Months Free on all Plans! (exclusions apply)
• Industry-leading 180-day workmanship guarantee
• $500 Homeowner insurance deductible reimbursement
• Thousands of reliable & fast local service providers
• 24/7 customer service
• Low cancellation fee

Cinch Home Services Review

Visit Website (855) 995-1294

  # 3 First Premier Home Warranty

Editorial Rating 95.10

• Lower chance of claim denial
• Multiple optional coverage items
• 24/7 service calls
• Great promotions available
• Market veteran
• Large and established firm

First Premier Home Warranty Review

Visit Website 929-360-2558

  # 4 The Home Service Club

Editorial Rating 94.90

• 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

The Home Service Club Review

Visit Website (855) 498-4719

  # 5 ServicePlus Home Warranty

Editorial Rating 95.10

• $200 OFF + 2 Months Free
• Free Roof Coverage
• Comprehensive coverage plans

• 1 day to submit claim
• Limited availability

ServicePlus Home Warranty Review

Visit Website (267) 824-4010

  # 6 First American Home Warranty

Editorial Rating 95.70

• Best Customer Service 2020
• $100 Instant Online Discount
• Plans from $25/m

• Automatically renewed policy

First American Home Warranty Review

Visit Website (888) 445-5837

  # 7 Complete Care Home Warranty

Editorial Rating

• Lower chance of claim denial
• 24/7 service calls
• Great promotions available

Complete Care Home Warranty Review

Visit Website