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Best Home Warranty Companies In mississippi 2024

Mississippi’s muggy summers and mild winters can test your home’s appliances and systems. Unexpected appliance or system breakdowns can disrupt your peace of mind. This guide explores the Best Home Warranty Companies in Mississippi, helping you find a plan that protects your essential features and keeps your budget happy.

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 mississippi Residents

After carefully evaluating a wide range of providers, we've identified Mississippi's top 5 home warranty companies. These companies offer reliable protection and peace of mind for Magnolia State residents, ensuring your home runs smoothly throughout the year.

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

  • Choice for optional add-ons
  • Higher coverage limits per contract term
  • Competitive pricing

Cons

  • Charges $150 service fees on weekend visits

Plans, Cost & Coverage

Elite Home Warranty offers three home warranty service plans for Mississippi homeowners: Elite Appliances, Elite Systems, and Elite Complete. The company’s standard service fee is $70. However, customers can pay an additional amount to select ‘$0 service call fee’ until five claims. The coverage cap is up to  $7,000 and $8,000 per contract. 

Here are the elaborative pricing details: 

Plans

Premium (Monthly)

Elite Appliances

$44.99

Elite Systems

$49.99

Elite Complete

$59.99

Elite Appliances 

  • Includes 8 essential appliances for the functioning of your home 
  • Coverage for appliances such as garbage disposals, dishwashers, and more 
  • Provides targeted protection for appliances that are frequently used and prone to wear and tear

Elite Systems

  • Has coverage for 8 major home systems 
  • Covers household items such as air conditioning, plumbing, etc
  • Ideal for homeowners to prioritize protection for vital home systems 

Elite Complete 

  • Comprehensive coverage for household items 
  • Includes everything from both the other plans at a competitive price 
  • Suitable for homeowners looking to purchase an all-inclusive plan

Why We Picked It?

Elite Home Warranty has been able to capture market share because of its timely customer service, competitive pricing, and network of technicians. You can select any plan from their portfolio to avoid the hustle and bustle of regular repairs.

The Industry Leader
4.5 | fourhalf_star Excellent

Monthly Cost

$29 - $89

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Discounted upgrades
  • 24/7 emergency service
  • Covers undetectable pre-existing conditions

Cons

  • Limited optional add-ons

Plans, Cost & Coverage

The three plans provided by AHS include ShieldSilver, ShieldGold, and ShieldPlatinum. The ShieldSilver includes essential systems, ShieldGold includes systems and major appliances, and ShieldGold includes major appliances and systems. The ShieldPlatinum includes everything from both of the plans. 

The systems are covered up to $5,000, and appliances are covered up to $2,000 in ShieldGold and $4,000 in ShieldPlatinum. 

You can find the pricing below: 

 

ShieldSilver

ShieldGold

ShieldPlatinum

Cost at $125 Service Call Fee

$35.83

$39.16

$69.16

Cost at $100 Service Call Fee

$45.83

$49.16

$79.16

ShieldSilver 

  • 14 essential systems like air conditioners and heating units are covered 
  • Competitive pricing for a basic plan 

ShieldGold 

  • Includes 23 essential systems and appliances 
  • Essential coverage with moderate pricing starting at $39.16

ShieldPlatinum 

  • A comprehensive plan with coverage for everything in ShieldSilver and ShieldGold and additional items 
  • Perfect for homeowners in search of a comprehensive plan

Why We Picked It?

AHS has been one of the industry’s most trusted home warranty brands for the past 50+ years. They offer three flexible plans, optional add-ons, a network of professional technicians, and 24/7 customer service. Additionally, a 30-day workmanship guarantee also reinforces our decision, providing customers with confidence and peace of mind.

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

  • 24/7 customer service
  • Live chat option
  • Provides extensive add-on coverage

Cons

  • Limited coverage compared to industry standards

Plans, Cost & Coverage

Homeowners are provided with three plan options: Appliance Guard, Systems Guard, and Total Home Guard. Here are the pricing details for each one of the plans: 

 

Appliances Guard

Systems Guard

Total Home Guard

Monthly Plan

$49.99

$54.99

$59.99 

Annual Plan

$499.99

$549.99

$599.99

Appliances Guard

  • Coverage for 9 major home appliances 
  • Includes protection for appliances such as refrigerators, dishwashers, and ovens
  • Perfect for homeowners seeking to safeguard their everyday appliances

Systems Guard

  • Offers coverage for 6 home systems 
  • Includes protection for systems such as air conditioning, plumbing, and electrical systems

Total Home Guard

  • Includes everything from Appliances and Systems Guard 
  • Exhaustive coverage that offers homeowners peace of mind 
  • 15 essential household items are covered

Why We Picked It?

Liberty Home Guard offers plans for appliances and systems, making them one of the best choices for homeowners in search of separate plans for both. They offer impeccable service with 24/7 availability along with a variety of optional add-ons.

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

  • Large network of technicians
  • Add-on coverage options
  • 24/7 customer service

Cons

  • Low coverage limit

Plans, Cost & Coverage

Choice Home Warranty offers two plans: the Basic Plan and the Total Plan, with prices starting at $49 per month. Service call fees range from $75 to $125, and coverage extends up to $3,000 per contract term for the covered items.

Find the pricing details below: 

Plans

Monthly

Yearly

Basic Plan

$46.83

$532

Total Plan

$54.75

$627

Basic Plan 

  • Covers 14 essential home systems and appliances 
  • Ideal for Mississippi homeowners seeking basic home warranty protection

Total Plan 

  • Complete coverage for major household appliances and systems 
  • Includes all the things from the Basic Plan along with 4 additional items 
  • An affordable option offering comprehensive coverage for under $55 per month

Why We Picked It?

Choice Home Warranty is one of the top home warranty providers in the industry. It is known for its extensive network of over 25,000 contractors, optional add-ons, and pricing. The company has built a strong reputation by providing customer-friendly services, making it one of the options for Mississippi homeowners.

Best For Utility Lines Coverage
4.7 | fourhalf_star Excellent

Monthly Cost

$51 - $62

Service Fee

$65 - $125

Response Time

24 to 48 hours

Pros & Cons

Pros

  • Offers 90 days parts recall and 30 days labor recall
  • Covers outside utility lines like sprinklers, sewer lines, and water line
  • Offer 13 months of coverage on annual plans

Cons

  • No 24/7 customer service

Plans, Cost & Coverage

The Home Service Club has two home warranty plans: a Standard Coverage Plan and a Comprehensive Coverage Plan. The monthly pricing for Standard Coverage is $51.25, while  the Comprehensive Coverage Plan is $62.50. The coverage limit for Standard Coverage is $6,000, and Comprehensive Coverage is $9,000, but the liability doesn’t exceed $2,000 per claim. 

The pricing details are mentioned below: 

Plans

Monthly

Yearly

Standard Coverage 

$51.25

$649.95

Comprehensive Coverage 

$62.50

$799.95

Standard Coverage 

  • Standard coverage for 16 basic appliances and systems 
  • Coverage for essential household systems such as heating, air conditioning, and electrical 
  • Ideal for homeowners seeking basic coverage for household items 

Comprehensive Coverage 

  • Comprehensive coverage for 28 essential home systems and appliances 
  • Unique inclusions such as pest control, smoke detector, and sump pump
  • Homeowners in search of comprehensive coverage

Why We Picked It?

The Home Service Club provides reasonable pricing, comprehensive coverage options, and a variety of optional add-ons. The company provides customers with an online platform for smooth and easy request filing, making it a dependable choice for homeowners seeking reliable services.

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 Mississippi Homeowners?

Here are some of the benefits that Mississippi homeowners will have when purchasing a home warranty: 

How Much Does A Mississippi Home Warranty Cost?

Understanding the potential cost of home warranty plans is crucial for homeowners contemplating the benefits of a home warranty. Here's an insightful overview of the cost range for home warranties in the Magnolia State:

Average Annual Cost

$380 - $600

Average Monthly Cost

$30 - $85

Average Service Fee (Deductible)

$55 - $110

In Mississippi, the cost of a home warranty can vary based on several factors, and homeowners should carefully consider these considerations:

Home Warranty Coverage In Mississippi

Here are some common inclusions and exclusions to guide Mississippi homeowners in making informed decisions when considering a home warranty:

General Coverage of Mississippi Home Warranty

  • HVAC (Heating, Ventilation, and Air Conditioning) Systems Comprehensive coverage for repairing or replacing essential components, ensuring homes remain comfortable throughout Mississippi’s diverse climates, from humid summers to mild winters.
  • Furnace Don’t let Mississippi’s occasional winter chill catch you off guard. Coverage for your furnace or boiler repairs can keep you warm and cozy throughout the season.
  • Plumbing Systems Protection against leaks, clogs, and water heater malfunctions. Given Mississippi’s occasional heavy rainfall, these problems are common occurrences and can be effectively addressed with proper coverage.
  • Electrical Systems Coverage for repairs to wiring, outlets, and circuit breakers, ensuring safety and functionality. This becomes particularly crucial during severe weather events like thunderstorms and hurricanes that Mississippi may experience.
  • Major Appliances Comprehensive coverage for essential household appliances, including refrigerators, dishwashers, and ovens.

Common Exclusions

  • Pre-Existing Conditions A home warranty plan might not cover existing issues with your systems or appliances.
  • Cosmetic Issues Repairs purely for aesthetic purposes are generally not covered.
  • Maintenance Neglect Breakdowns resulting from a lack of proper maintenance may not be covered. Regular upkeep is essential to ensure continuous coverage.
  • Specific Exclusions Carefully review the plan details, as companies may have varying exclusions. Understanding these exclusions is crucial for making informed decisions and maximizing the benefits of your home warranty in Mississippi.

Here are Additional Points to Consider

When exploring home warranty plans in Mississippi, it’s crucial to delve into additional aspects for a comprehensive understanding:

  • Pest Control Mississippi has a higher-than-average termite threat.  While not typically covered in a basic warranty, some companies offer optional pest control options. Consider bundling your home warranty with a termite plan for comprehensive protection.
  • Hurricane Protection Mississippi is at risk from hurricanes. While not covered by a standard warranty, some companies offer add-on coverage for specific hurricane-related damages.
  • French Drains These are common in some areas of Mississippi to manage moisture. While not standard, some warranties may offer optional coverage for French drain repairs.
  • Coverage Caps Plans may limit how much they will cover for repairs or replacements.
  • Service Call Fees Some companies charge a set fee for each service call, while others may have variable fees.
  • Network Limitations Technicians within the warranty provider’s network may be unavailable in all areas, especially rural locations.

Who Regulates Home Warranty Companies In Mississippi?

Unlike traditional insurance companies, Mississippi doesn't have one specific agency overseeing home warranty providers. However, there are still safeguards in place to protect consumers:

Final Words

Choosing the right home warranty company in Mississippi is significant for homeowners looking to safeguard their properties from unexpected breakdowns. The unique challenges of Mississippi's climate and housing structures make it crucial to select a provider with a deep understanding of the state's specific needs.

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)

What Are The Most Common Appliance Repairs In Mississippi?

A.

Mississippi’s hot and humid climate contributes to air conditioning problems, such as compressor failures or refrigerant leaks. Refrigerator repairs often focus on temperature control challenges influenced by humidity levels. Additionally, washing machines may require attention for issues like water drainage problems or malfunctioning spin cycles.

Are There Any Other Home Warranty Companies Mississippi Homeowners Can Consider?

A.

Cinch Home Services and Elite Home Warranty are two other home warranty service providers that Mississippi homeowners can consider.

Do Home Warranty Companies Cover Damages Covered By Pests?

A.

No, home warranty companies typically do not cover damages caused by pests. Home warranties are designed to cover mechanical failures or breakdowns of essential home systems and appliances due to normal wear and tear. Issues related to pests, such as damage from termites, rodents, or insects, are generally considered external factors and are not covered by standard home warranty plans.

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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