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Best Home Warranty Companies In south dakota 2024

South Dakota’s beauty, from the majestic Black Hills to the sprawling prairies, comes with distinct weather challenges. Brutal winters and scorching summers can stress your home’s systems. This guide explores the best home warranty companies in South Dakota, helping you find a plan to safeguard your essential systems and appliances. Discover the perfect warranty for stress-free comfort and cost protection.

Cyber Savings
fourhalf_star4.9/5
50% Off + First Month Free
MOST POPULAR
fourhalf_star4.5/5
$50 OFF on Multiple Properties

Our Picks: 5 Best Home Warranty Companies For south dakota Residents

With numerous options available, choosing the right one can be overwhelming. Below is a list of the best home warranty companies in South Dakota, helping you navigate your options and find the perfect fit for your needs and budget.

Highly Rated By Customers
4.9 | fourhalf_star Excellent
50% Off + First Month Free

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

Pros & Cons

Pros

  • Provides a 30-day free trial
  • Has a wide list of 27 add-on options
  • Provides a 90-day workmanship guarantee

Cons

  • The website lacks proper pricing details

Plans, Cost & Coverage

Elite Home Warranty offers three distinct service plans tailored to meet varying needs: Elite Appliances, Elite Systems, and the comprehensive Elite Complete Plan. Take a look at the table below to learn more about the plans and pricing:

Plans

Elite Appliances

Elite Systems

Elite Complete

Service Call $70

$43.99

$48.99

$58.99

Elite Appliances

  • Covers 14 essential appliances such as refrigerators, stoves, dishwashers, and more
  • Provides prompt repair or replacement services for covered appliances
  • Ideal for those seeking extensive appliance coverage and peace of mind

Elite Systems

  • Protects seven critical home systems, including HVAC, plumbing, and electrical
  • Offers 24/7 customer support for quick assistance in case of system failures
  • Ideal for individuals seeking comprehensive home system coverage

Elite Complete

  • Combines the coverage of both appliances and systems for comprehensive protection
  • Streamlines the warranty process by covering all major components of your home
  • Provides added benefits such as priority service and discounted repair costs for complete peace of mind

Why We Picked It?

Elite Home Warranty is an excellent option for homeowners seeking reliable protection. With substantial coverage limits of $7,000 for appliances and $8,000 for systems, it delivers exceptional value, particularly compared to providers offering significantly lower limits for major items.

Best For Lifetime Service Warranty
3.7 | threehalf_star Excellent

Monthly Cost

$33 - $56

Service Fee

$75 - $125

Response Time

Pros & Cons

Pros

  • Customizable plans
  • Good customer service
  • Free roof leak protection

Cons

  • Limited availability in some areas

Plans, Cost & Coverage

AFC’s plans range from $35 to $89 monthly. The Silver Plan begins at $35.52 per month, followed by the Gold Plan at $49.75 and the Platinum Plan at $54.58 monthly. In South Dakota, AFC also has its Diamond Plan, which costs $89.17. Plan costs vary depending on the selected service fee, which ranges from $75 to $125.

Silver Plan

  • Appliance coverage only (refrigerator, dishwasher, oven/range, etc.)
  • Budget-friendly option
  • Ideal for homeowners who want to protect just their appliances

Gold Plan

  • Covers 3 major systems (electrical, plumbing, and heating/cooling)
  • Includes appliance coverage from Silver Plan
  • Protection for core home functions

Platinum Plan

  • All-inclusive coverage (appliances, systems, plus extras)
  • Built-in microwave and plumbing stoppage included
  • Top-tier protection for peace of mind

Diamond Plan 

  • Platinum Plan benefits
  • Pool and spa equipment coverage (optional add-on in most states)
  • Ultimate home warranty protection

Plans

Silver Plan

Gold Plan

Platinum Plan

Diamond Plan 

Monthly 

$35.25

$49.75 

$54.58

$89.17 

Annually

$356 

$530

$588

$953 

Why We Picked It?

South Dakota residents choose AFC Home Warranty because of its range of plans that cater to different needs. AFC Home Club stood out due to its slightly above-average range of plans within the industry. What sets AFC apart is its provision of free credit monitoring and emergency alert services, offering added value to customers. Combining competitive pricing and supplementary benefits contributes to the company’s strong market presence.

Best For Add-ons
4.7 | fourhalf_star Excellent
$200 Off + 2 Months Free + Free Roof Leak Protection

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Customizable plan durations
  • Extensive range of optional add-on coverages
  • Limited availability for roof leak and pest control coverage

Cons

  • No fixed service fee is provided

Plans, Cost & Coverage

Liberty Home Guard provides three main plan choices. Appliance Guard protects things like your fridge, washer, and dishwasher. Systems Guard covers your AC, heater, ducts, and similar systems. Total Home Guard combines the coverage from both basic plans.

 

Appliances Guard

Systems Guard

Total Home Guard

Monthly Plan

$49.99/Month

$54.99/Month

$59.99/Month

Annual Plan

$499.99/Annum

$549.99/Annum

$599.99/Annum

Appliances Guard

  • Coverage for 9 essential household appliances like refrigerators, ovens, and dishwashers
  • Protection against mechanical failures and malfunctions resulting from normal wear and tear
  • Cost-effective plan tailored to safeguard commonly prone-to-breakdown appliances

Systems Guard

  • Comprehensive coverage for 6 major home systems, such as HVAC, electrical, and plumbing
  • Ideal for homeowners seeking comprehensive coverage for their home’s essential systems

Total Home Guard

  • All-inclusive coverage for both appliances and home systems, offering maximum protection
  • Comprehensive protection against mechanical failures, malfunctions, and normal wear and tear
  • Liberty Home Guard’s most extensive plan provides peace of mind for homeowners seeking comprehensive coverage

Why We Picked It?

South Dakota residents looking for a home warranty should consider Liberty Home Guard. They offer various plans with coverage for major systems and appliances, potentially saving money on repairs. With a set monthly or annual fee and a service call charge, you’ll know what to expect budget-wise.

Best For Comprehensive Plans
3.7 | threehalf_star Excellent
1st month free + Free roof coverage

Monthly Cost

$46 - $55

Service Fee

$75 - $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Budget-friendly option
  • Basic coverage for essential appliances
  • Strong brand reputation

Cons

  • Limited coverage & higher deductibles

Plans, Cost & Coverage

Choice Home Warranty plans start at $49 for the Basic Plan and go up to $58 for the Total Plan. One-time payments for the annual plans are nearly $565 and $660, respectively. Choice Home Warranty offers an annual aggregate coverage of $3,000 for systems and appliances.

Plans

Monthly

Yearly

Basic Plan

$49.74

$564.98

Total Plan

$58.14

$658.70

Basic Plan

  • Coverage for 14 essential home systems
  • Protection for major household appliances
  • Ideal for homeowners seeking basic coverage

Total Plan

  • Comprehensive coverage for all major home systems and appliances
  • Includes protection for items covered under the Basic Plan and additional coverage for items like the refrigerator, washer, and dryer
  • Suitable for homeowners looking for maximum coverage

Why We Picked It?

Choice Home Warranty offers multiple plans, allowing you to tailor coverage to your needs.  Whether you prioritize major systems like heating and plumbing or essential appliances, Choice likely has a plan to fit the bill.  The cost structure is straightforward, with a set monthly or annual fee and a standard service call fee per repair request.

Best For Affordable Coverage
3.8 | threehalf_star Excellent
$150 off + Free roof coverage + 2 months free

Monthly Cost

$44 - $47

Service Fee

$60 - $75

Response Time

12 - 48 hours

Pros & Cons

Pros

  • Customizable plans
  • Good customer service
  • Free roof leak protection

Cons

  • Limited availability in some areas

Plans, Cost & Coverage

Select Home Warranty offers a variety of plans to suit different needs. The  Bronze Care and Gold Care plans are available starting at $44.42 per month, with annual plans costing $479.99. For those seeking enhanced coverage, the Platinum Care plan is priced at $47.75 for monthly payments or $524.99 for yearly payments. 

Select Home Warranty sets coverage limits at $3,000 for HVAC and $2,000 for other systems and appliances, ensuring protection for essential home components.

 

Bronze Care

Gold Care

Platinum Care

Cost/Month

$44.42

$44.42

$47.75

Cost/Annum

$479.99

$479.99

$524.99

Bronze Plan

  • Protection for eight key household appliances, including the refrigerator, oven, and dishwasher
  • Affordable plan ideal for homeowners seeking budget-friendly coverage for essential systems and appliances

Gold Plan

  • Enhanced coverage for seven major home systems, including HVAC, plumbing, and electrical
  • Suitable for homeowners seeking comprehensive coverage for both systems and appliances at a competitive price point

Platinum Plan

  • Comprehensive coverage for all major home systems and appliances, offering the highest level of protection
  • Includes coverage for items covered under the Bronze and Gold Plans, plus additional items like the garage door openers and ceiling fans
  • Ideal for homeowners looking for maximum peace of mind and comprehensive protection against unexpected breakdowns and malfunctions

Why We Picked It?

South Dakota residents seeking a balance between affordability and appliance/system protection might find Select Home Warranty a worthy option. Cost-wise, they offer predictable budgeting with a set monthly or annual fee and a standard service call charge per repair request. 

This transparency can be a major perk compared to the unknown costs of individual repairs. However, remember to evaluate the plan details to understand what’s covered and excluded.

Cyber Savings

50% Off + First Month Free

Don't let broken appliance break the bank

fourhalf_star

4.9/5

(888) 580-5416

Are Home Warranty Plans Beneficial For South Dakota Homeowners?

Home warranty plans offer protection against these costs, but are they truly beneficial for South Dakota homeowners? Let's explore the key factors to consider.

How Much Does A South Dakota Home Warranty Cost?

Here's a general idea of what you might expect to pay for a South Dakota home warranty:

Average Annual Cost

$400 - $800

Average Monthly Cost

$33 - $67

Average Service Fee (Deductible)

$65 - $150

The exact cost of a South Dakota home warranty can vary depending on several factors, including:

Home Warranty Coverage In South Dakota

A home warranty in South Dakota can protect against the harsh realities of winter and summer extremes, alongside the usual wear and tear on your home’s systems and appliances. Here’s a quick breakdown:

Common Coverages

  • Heating and air conditioning (HVAC) systemsCrucial for surviving sweltering summers and frigid winters in South Dakota.
  • Water heatersEspecially important during cold South Dakota winters to ensure consistent hot water.
  • Plumbing systems (including sump pumps)Common in South Dakota basements, sump pumps help prevent water damage.
  • Electrical systemsEssential for ensuring the safe and proper functioning of all your appliances and devices.
  • Kitchen appliances (dishwashers, refrigerators, ovens)Protect yourself from the cost of replacing essential kitchen appliances.
  • Laundry appliances (washers, dryers)Keep your laundry routine running smoothly without unexpected repair costs.
  • Garage door openersCoverage for garage door openers is especially beneficial during harsh South Dakota winters, as it prevents them from getting stuck outside.

Common Exclusions

  • Cosmetic DamageScratches, dents, or other non-functional issues typically aren’t covered.
  • Pre-existing ConditionsExisting problems with appliances or systems before the warranty starts are not covered.
  • Routine MaintenanceThe homeowner generally has responsibility for systems and appliance maintenance, which is crucial for preserving their longevity and functionality.
  • Pool & Spa EquipmentNot all warranties cover these, so check.
  • Septic SystemsNot all warranties cover these, so check, especially in rural areas.
  • Well PumpsEspecially common in rural areas, well pumps may not be covered by all warranties, so check.

Additional Points to Consider

  • Coverage limitsWarranties may have maximum payouts for specific repairs or replacements.
  • DeductibleYou’ll pay this out of pocket for each service call before the warranty coverage kicks in.
  • Additional coverage optionsSome companies offer optional coverages like roof leak protection.
  • Company reputation and responsivenessResearch the company’s reputation for customer service and claim resolution.

Who regulates Home Warranty Companies In South Dakota?

Unlike several other states, South Dakota doesn't have specific regulations governing home warranty companies. This means no state-mandated licensing requirements or minimum standards exist for these companies operating in South Dakota.

However, there are still ways to ensure some level of protection and transparency:

National Home Service Contract Association (NHSCA): Look for companies that are members of the NHSCA, which has a code of ethics and accepts complaints from homeowners against member companies.

South Dakota Division of Insurance: While they don't regulate warranties, you can file a complaint if you have issues with a home warranty company.

Final Word

While South Dakota offers various home warranty companies, the "best" choice depends on your needs, budget, and risk tolerance. Research coverage options, exclusions, pricing, and company reputation thoroughly. Home warranties aren't a substitute for regular maintenance, and unexpected costs may still arise. Ultimately, a home warranty can provide valuable protection, but approach it with informed decision-making.

Cyber Savings

50% Off + First Month Free

Don't let broken appliance break the bank

fourhalf_star

4.9/5

(888) 580-5416

Frequently Asked Questions (FAQs)

Who Pays For A Home Warranty?

A.

The responsibility for paying for a home warranty can vary and is often negotiable in real estate transactions. Traditionally, it has been common for sellers to offer and pay for a home warranty to attract potential buyers and provide assurance about the condition of the home’s major systems and appliances.

However, in some cases, buyers may request a home warranty as part of the purchase agreement or negotiate with the seller to cover the cost.

How Soon Can I Use A Home Warranty After Purchase?

A.

The ability to use a home warranty after purchase depends on the terms specified in the contract. Generally, there is often a waiting period, commonly referred to as a “waiting period” or “effective date,” before coverage begins. This waiting period can vary among home warranty providers but typically ranges from 30 to 60 days.

What Are The Most Common Appliance Repairs In South Dakota?

A.

In South Dakota, residents commonly report appliance repairs for furnaces, dishwashers, and air conditioning units. Harsh winters contribute to furnace issues such as faulty igniters or thermostat malfunctions. 

Dishwashers often need attention for problems like clogged drains or malfunctioning pumps. During hot summers, air conditioning units may require repairs for cooling inefficiencies or electrical issues.

Are Home Warranties Worth It In South Dakota?

A.

Yes, home warranties hold substantial value for South Dakota residents. Given the state’s varied climate conditions, a home warranty proves particularly worthwhile, offering financial protection and assurance.

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Best Home Warranty Companies

Cyber Savings
Elite Home Warranty

PROMOTION

50% Off + First Month Free

fourhalf_star 4.9
Excellent
American Home Shield

PROMOTION

$50 OFF on Multiple Properties

fourhalf_star 4.5
Excellent