Best Home Warranty Companies in Arkansas (2022)

There are more than 50 home warranty companies for Arkansas residents to choose from. This is quite a process to break them all down. We took each of these companies and compared things like pricing, customer service, BBB ratings, and plan choices. We also considered all of the local factors that affect what Arkansas homeowners want to be covered, like long, humid summers that add strain to home systems and severe weather.

Home warranties are helpful for all homeowners to offset unexpected repair and replacement costs for home systems and home appliances. However, they’re especially useful in Arkansas, where the frequent extreme weather can put roofing material at risk of leaking and high temperatures from April through October can leave air conditioning systems and refrigerators at risk of being overworked and getting damaged. Hopefully, the guide below will help you choose the best home warranty for your needs and budget.

Arkansas’ Best Home Warranty Companies in 2022

• Choice Home Warranty: Best Overall

• Select Home Warranty: Most Cost-Effective

• American Home Shield: Best Customizable Plans

• The Home Service Club: Fastest Service

• Liberty Home Guard: Most Trustworthy

Quick Comparison of Home Warranty Providers

Choice Home Warranty

• Our Take: Best Overall

• Average Annual Cost: $504-$639.96

• Response Time: Up to 48 hours

Choice Home Warranty is the best overall home warranty in the state of Arkansas. Homeowners in Arkansas have had access to the Choice Home Warranty plan for more than 13 years. In this time, Choice has developed a strong presence on the market and some great policies for homeowners to choose from. One of the things you will immediately notice about the Choice Home Warranty plans is that they are simple and straightforward. The company has excellent customer service and easy-to-use online systems. Submitting a claim will take a matter of seconds, and the overall response to your claim should come rather quickly.

Pros and Cons

✓ Straightforward coverage and contracts

✓ Wide range of coverage available

✓ Every coverage plan includes appliances and home systems

✓ Excellent customer service

X Minimal plan customization available

Plans and Pricing

There are only two Choice Home Warranty plans to choose from. However, each of these plans offers coverage for both systems and appliances. Having a combo plan that offers this wide range of coverage is an excellent option for those that want complete peace of mind about their Arkansas home. The Choice Home Warranty also comes with a variety of add-on coverages to make the plan an even better fit for your unique Arkansas home. The company has coverage caps reaching up to $2,500, and the service fee is about average at $85.

Here’s a detailed look at Choice Home Warranty’s coverage: 

• Basic Plan ($42/month): While most home warranty service providers have basic plans that cover either appliances or home systems, Choice Home Warranty’s covers both. This Basic Plan includes coverage for plumbing systems, electrical systems, heating systems, water heaters, and ductwork. Plus, you’ll get appliance coverage for ovens, stovetop exhaust fans, microwaves, dishwashers, and garbage disposals. Additional components like ceiling fans, garage door openers, and toilets are also included.

• Total Plan ($53.33/month): The Total Plan includes everything in the Basic Plan but adds additional coverage for the added $11.33 per month. This plan adds refrigerators, washers, dryers, and air conditioners. Refrigerators and ACs are among the most likely appliances and systems to fail in Arkansas’ hot and humid summers, so this plan is a better and more comprehensive option.

Coverage

Choice Home Warranty also provides a few add-on options for homeowners looking for specific coverage that isn’t included in the plans. The add-ons include:

• Central vacuum
• Limited roof leak coverage
• Septic system (pumping is available but separate)
• Septic tank pumping
• Sump pump
• Well pump
• Pool/Spa
• Second refrigerator
• Stand-alone freezer

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.

For more information, read our Choice Home Warranty Review.

Select Home Warranty

• Our Take: Most Cost-Effective

• Average Annual Cost: $624-$684

• Response Time: Up to 48 hours

The Select Home Warranty is the most cost-effective home warranty plan for Arkansas residents. The Select Home Warranty is one of the better-priced options on the market, yet the coverage is still quite good. In addition to already offering a fair price for their plans, Select Home Warranty gives homeowners free roof leak coverage when they sign up. With almost ten years in the industry, Select Home Warranty has an excellent reputation and very high-quality workmanship. The process for a contractor or repair technician to get on board with Select Home Warranty is quite complicated and will ensure you get a speedy and effective repair. Overall the policy choices, customer service, and great pricing make Select Home Warranty an excellent choice for Arkansas homeowners. 

Pros and Cons

✓ Outstanding customer service

✓ Low prices

✓ Every plan includes roof leak coverage

✓ Long company history

X Comparatively low coverage caps

Plans and Pricing

There are three Select Home Warranty policies to choose from. The systems plan, appliance plan, and combo plan are the three options; however, the combo plan, also called Platinum Care, is by far the best value. For just a few dollars more per month, the Platinum Care plan combines the coverages of the appliance and systems plan. In addition, there are several add-on coverage options that you can include as part of your home warranty plan. This company’s coverage caps can be as high as $2,000, depending on the covered item. The service fee is below average at $75 per claim.

Here’s a detailed look at Select Home Warranty’s coverage: 

• Bronze Plan ($52/month): The Bronze Plan is Select Home Warranty’s appliance-only option, so it excludes all home systems. It covers refrigerators, ovens, cooktops, microwaves (built-in only), washers, dryers, and garbage disposals. The price is higher than some other appliance-only plans, but it includes refrigerator coverage, which is sometimes excluded in basic plans.

• Gold Plan ($52/month): The Gold Plan is another basic plan, but it covers home systems instead of kitchen appliances. This plan gives you a home protection plan for your electrical, heating, and plumbing systems, as well as HVAC ducts, AC systems, and water heaters.

• Platinum Plan ($57/month): At just $5 more per month than either of the other plans, you get coverage for every item in both the Bronze and Gold plans. The company also offers add-on services in this plan that include warranties for ceiling fans, garage door openers, and plumbing clogs.

Coverage

Select Home Warranty provides some customization options that you can add to any plan. These include:

• Pool (jets and liners are excluded)
• Spa
• Septic system (includes pumping)
• Well pump
• Sump pump
• Lawn sprinkler system
• Roof leaks (limited coverage)
• Central vacuum
• Stand-alone freezer

Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.

Read our Select Home Warranty review to learn more.

American Home Shield

• Our Take: Best Customizable Plans

• Average Annual Cost: $419.88-$779.88

• Response Time: Up to 48 hours

American Home Shield is the most customizable plan in the state of Arkansas. The American Home Shield home warranty has been on the market for more than 50 years. Certainly, this is one of the longest-standing home warranty companies in the industry. American Home Shield is known for its long-standing premium coverage and top-notch customer service. They have plans that allow you to customize both the coverage and the overall pricing. Many people consider American Home Shield to be a premium home warranty plan because of all that it offers its customers.

Pros and Cons

✓ Many years of experience

✓ Plan customization options

✓ High coverage limits

✓ Excellent coverage options

X A bit on the expensive end

Plans and Pricing

There are three American Home Shield plans to choose from. The two combo or comprehensive options are the most popular as they give homeowners both appliance and system coverage. The add-on coverages for American Home Shield are also extensive. The pool and spa coverage is some of the most well-known in the home warranty industry. The company has some coverage caps up to $3,000 and others that are unlimited. The service fee is also customizable, so you can choose anywhere between $75 and $150.

Here’s a detailed look at American Home Shield’s coverage: 

• ShieldSilver ($39.99/month): The ShieldSilver Plan is the home systems offering from AHS. It covers 14 total home systems, including heating, plumbing, and electrical systems, HVAC ductwork, AC systems, water heaters, and more. This is one of the most appealing home systems plans available, especially given the price.

• ShieldGold ($49.99/month): The ShieldGold Plan from AHS includes all of the home systems in the ShieldSilver Plan, plus additional coverage for appliances. It covers cooktops, ovens, dishwashers, refrigerators, dryers, washers, and other major and minor home appliances. The coverage added above and beyond the ShieldSilver option for just $10 more per month is outstanding.

• ShieldPlatinum ($64.99/month): The ShieldPlatinum Plan is AHS’s most comprehensive offering. It includes all of the appliances and home systems in the Silver and Gold plans, plus appealing add-ons like yearly AC maintenance and tune-up, roof leak repair, and coverage for permits and code violations. Some of the coverage options are unique and won’t be covered by any other home warranty company.

Coverage

American Home Shield offers some customization options for all of its plans as well. You can choose from add-on home services like:

• Electronic extended warranty
• Pool and spas (excludes jets and liners)
• Well pump
• Septic pump (includes pumping)
• Guest unit
• PC and TV

To get a free quote from American Home Shield, you can fill out this form or call 888-365-2839.

To read more, visit our American Home Shield review.

The Home Service Club

• Our Take: Fastest Service

• Average Annual Cost: $600-$756

• Response Time: Within 24 hours

The Home Service Club began in 2008 in New York, which means the company has already accrued many years of success and experience in the industry. It’s a favorite among homeowners because of how quickly coverage begins, with a waiting period of just ten days compared to the average of 90 days. This company isn’t accredited by the Better Business Bureau yet, but it does have many positive customer reviews online. It offers solid coverage plans plus many add-on services for complete protection.

Pros and Cons

✓ Minimal wait time for coverage to begin

✓ Great coverage options

✓ Excellent customer service

✓ Lots of industry experience

X More expensive than many other options

Plans and Pricing

The Home Service Club offers just two plans: the Standard Coverage Plan and the Comprehensive Coverage Plan. Both include appliances and home systems, but the Comprehensive Plan provides greater coverage at just $13 more per month. The Comprehensive Plan has some of the widest coverage available in the industry for a pre-set plan. The coverage caps range from $500 up to $2,500, and the service fee ranges from $65 to $125 based on your preferences.

Here’s a detailed look at The Home Service Club’s coverage:

• Standard Coverage Plan ($50/month): The Standard Plan includes coverage for major home appliances and home systems. It protects your stove, dishwasher, refrigerator, water heaters, plumbing leaks, electrical system, air conditioners, ceiling fans, trash compactors, and central vacuum system.

• Comprehensive Coverage Plan ($63/month): The Comprehensive Plan is a more comprehensive option, as it includes everything in the Standard Plan but adds on several additional services. These include plumbing blockages, sump pumps, gas leaks, attic fans, whole-home exhaust systems, doorbells, pest control, and more. At just $13 more per month than the Standard Plan, this is an excellent value.

Coverage

The Home Service Club also provides the below add-on coverage options for customers looking for even more peace of mind:

• Utility line coverage package (includes outside water and gas lines, sewer lines, sprinkler system, and more)
• Pools
• Spas
• Sprinkler systems
• Built-in refrigerators
• Stand-alone freezers
• Roof damage (limited coverage)
• Water softeners
• And more

You can get a free quote from The Home Service Club by filling out this short contact form or by calling HSC at 800-842-9334.

For more information on The Home Service Club, you can check out our complete Home Service Club review.

Liberty Home Guard

• Our Take: Most Trustworthy

• Average Annual Cost: $779.88-$899.88

• Response Time: Within 24 hours

Liberty Home Guard is the most trustworthy home warranty in the state of Arkansas. A unique thing about this Liberty Home Guard company is that they have only been on the market for two years, yet they have earned a BBB rating of an A. The attention to detail and customer service that Liberty Home Guard has in place is quite impressive. You will find that the list of coverages included with your Liberty Home Guard plan is quite long. In addition, the speed of service with Liberty Home Guard is also known to be quite good. If you constantly struggle to find quality repair technicians who can quickly tend to a project, Liberty Home Guard can help.

Pros and Cons

✓ Includes 60-day workmanship guarantee

✓ A rating with the BBB

✓ Easy process to make claims

✓ Great customer service experience

X More expensive than many competitors

Plans and Pricing

Similar to the Select Home Warranty policy, Liberty Home Guard has three policies to choose from. The pricing of the Liberty Home Guard policies is a bit higher than some other companies, but the depth of coverage is also broader. For a new company in the home warranty industry, the list of add-on options is extremely impressive. You can add anything from floor cleaning to a saltwater pool to your Arkansas home warranty. Liberty Home Guard’s coverage caps max out at $1,500 per year, and each claim comes with a service fee of $75.

Here’s a detailed look at Liberty Home Guard’s coverage: 

• Appliance Guard ($64.99/month): This basic plan option doesn’t cover any major systems, making it one of the more expensive appliance-only plans. It includes warranty protection for refrigerators, dishwashers, ovens, range exhaust fans, garbage disposals, microwaves, ice makers, dryers, washers, ceiling fans, and garage door openers.

• Systems Guard ($69.99/month): For homeowners who want home system coverage rather than an appliance warranty, the Systems Guard plan might be ideal. The coverage includes heating, electrical, and plumbing systems, plus water heaters, air conditioners, HVAC ducts, bathroom exhaust fans, and toilets.

• Total Home Guard ($74.99/month): The most comprehensive plan — and the best value — from Liberty Home Guard is the Total Home Guard plan. It covers everything in both the Appliance and System Guard plans, meaning you get total peace of mind for far less than you’d pay for both plans individually.

Coverage

One of the most appealing parts of going with Liberty Home Guard is the extent of the add-on services you can choose from for plan customization. Below are the add-on offerings from LHG:

• Pool and spa (jets and liners aren’t included)
• Additional spa (only for additional spas)
• Saltwater pool
• Gutter cleaning
• Floor/carpet cleaning
• Sump pump
• Electrical fixtures
• Water softener
• Trash compactor
• Lawn sprinkler system
• Electronics protection
• Swamp cooler
• Ejector pump
• Septic system pumping
• Limited roof leak
• Pest control
• Locksmith (for rekeys)
• Free-standing ice maker
• Central vacuum
• Stand-alone freezer
• Re-key
• Second refrigerator (must have first fridge covered)
• Wine refrigerator
• Well pump
• TV and PC
• Generator
• Water dispenser (instant hot and cold options)

To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.

To learn more information, visit our Liberty Home Guard review.

Home Warranties in Arkansas Cities

How Much Does a Home Warranty in Arkansas Cost?

The average home warranty cost in Arkansas will range in price from around $35 a month to $75 a month, or $420 to $900 per year. The range of pricing will depend on the coverage you choose and the quality of the plan. The add-on coverage choices can also increase the total pricing of the plan. Arkansas home warranties are priced about the same as they are in other states across the nation. The table below provides some average pricing for different residential customers.

Compare the Best Home Warranty Companies in Arkansas

Final Thoughts

At this point, you should be ready to get your quote for a home warranty for your home. The Choice Home Warranty stands out as the best overall choice for Arkansas homeowners. With 13 years in the home warranty industry, Choice Home Warranty has excellent customer service, impressive reviews, and outstanding home warranty coverage. Your sign-up and claim submission process with Choice Home Warranty will be easy to handle and manage. It makes sense to get a few quotes for your home warranty plan to ensure that you are getting the best deal on the market. 

How to Choose the Best Home Warranty in Arkansas

Now that you have the top Arkansas home warranties narrowed down to the top five choices on the market, it is time to choose the one that is best for your Arkansas home. There are some essential features to look for when you are narrowing down these home warranty policies. Three of the most important are overall pricing, workmanship guarantee, and add-on options.

• Overall Pricing: The overall pricing of an Arkansas home warranty is not all that difficult to figure out. Simply consider the monthly price along with the service fee, and you will quickly see which plans are the most affordable to you. Also, pay attention to the coverage caps associated with the plans. 
• Workmanship Guarantee: Workmanship guarantee means that if a repair on an appliance or system fails, the home warranty company will cover it for a certain period. Workmanship guarantee can range from 30 days to 180 days, but it is worth considering when choosing a plan. 
• Add On Options: Add-on coverage can include anything from a warranty for a swimming pool to a second refrigerator. If you have unique features in your Arkansas home, pay close attention to the add-on coverage options available to you.

While these general considerations are important to make to ensure you get a plan that suits your budget and expectations, there are also some local factors at play in Arkansas that can help you narrow down providers.

First, Arkansas is located in Tornado Alley, and residents experience many intense thunderstorms and tornadoes every year. While isolated damages caused by these weather events will likely be covered by your homeowners insurance, they can also cause gradual damage to your roof. Many Arkansas homeowners opt for home warranties that cover roof leaks, as they are more likely in the area than in many other states.

Additionally, Arkansas is known for hot, humid summers, and the heat and humidity can put a massive strain on your air conditioners. This is especially true at the height of the summer when temperatures reach up into the 90s. A home warranty that covers refrigerators and air conditioning systems will be far more valuable in Arkansas, given the strain the weather puts on these items.

What is a Home Warranty?

A home warranty is a home protection plan that offers financial assistance for unexpected repairs and replacements. In most cases, they cover appliances, home systems, or both. Home warranties typically require a monthly fee to retain coverage, plus a service fee for each claim that’s filed. Depending on the coverage cap for the damaged item or system, you will have no out-of-pocket costs for covered home repairs, with the exception of the service fee. Service fees average around $85.

When you file a claim with your home warranty company, you’ll have a service rep sent to your home to fix the issue or replace the damaged material. The process is very straightforward, and it can save you hundreds or thousands of dollars, depending on what goes wrong in your home.

Home Warranty vs. Homeowners Insurance

Home warranties are often compared to homeowners insurance, and while they are somewhat similar, there are many important differences to note.

First, homeowners insurance covers your entire home, while home warranties cover individual home systems or appliances. With homeowners insurance, you’ll get a payout if you run into some catastrophe, like a flood or a fire. With a home warranty, you can get repair or replacement for damaged items or systems in your home, even if they break down from normal wear.

Second, homeowners insurance requires a deductible in most cases. When a catastrophe occurs, you, as the homeowner, have to pay a deductible before the insurance will kick in. In many cases, the deductibles can reach into the thousands of dollars. With a home warranty, the only out-of-pocket expense you’ll have when you run into a problem is the service fee. This averages around $85 and pales in comparison to the deductible.

Finally, homeowners insurance will only cover unavoidable catastrophes, like a fallen tree, a flood, or property damage from a major storm or tornado. It typically won’t cover things like plumbing leaks, broken appliances, or home systems that fail. On the other hand, home warranties don’t require a catastrophe or natural disaster to provide coverage. They often cover things like normal system degradation, damage from old age, and breakdowns from overworked equipment, like air conditioners.

How Does a Home Warranty in Arkansas Work?

Home warranties are a breeze to enter into, and they just require that you choose a provider, select a plan, and make payment for the plan. Most home warranty plans have a waiting period of 30 to 90 days before coverage becomes available, which helps avoid claims for pre-existing conditions.

Once you have coverage, you can follow the below steps to file a claim and request service:

• Find an issue in your property that is covered by your home warranty
• Notify your home warranty provider of the issue and request service. You can most often do this online, or you can call your home warranty company to report the problem
• Wait for the service rep to arrive. Your service technician will have been hired by your home warranty company, and they should be able to fix the issue or at least get a solution moving forward
• Pay the service fee for the claim, and enjoy your savings. In many cases, your service fee will be around $85, and you’ll have saved far more by using your home warranty

What does a Home Warranty Cover?

Home warranties all cover different aspects of your home, so it’s tough to say exactly what yours will cover and what it will exclude. Most home warranties either provide coverage for home appliances, home systems, or both.

If you choose a plan that covers appliances, you’ll often get coverage for your refrigerator, oven, cooktop, microwave, dishwasher, clothes washer, clothes dryer, and more. Some minor appliances like your garbage disposal or trash compactor are other common inclusions. When you submit a claim for one of these items, you’ll typically get repair or replacement at just the cost of the service fee.

If you choose a plan that covers home systems, common inclusions are plumbing, heating, and electrical systems, HVAC ductwork, air conditioners, water heaters, garage door opener, and central vacuum systems. Again, coverage will typically include repair or replacement, depending on what is needed.

What is Not Covered by a Home Warranty?

In most cases, you can determine exactly what is and isn’t covered in a home warranty by looking at your service contract. However, some common exclusions are pre-existing home damages, cosmetic repairs, and damages or system breakdowns caused by a lack of maintenance. Every home warranty is different, so you should always check your contract before signing to ensure you know what is excluded.

Biggest Complaints about Home Warranty Companies in Arkansas

Most Arkanites are pleased with their home warranty service, but there are some complaints that pop up regularly from customers in the area.

One of the most common issues we see in online customer reviews is a lack of coverage where coverage was expected. Some customers believe that their home warranty company just denies coverage to save money. However, based on the company responses, it seems clear that it’s more likely a misunderstanding of the contract and coverage exclusions. Be sure to read your contract thoroughly before signing.

Another common complaint is that the out-of-pocket charges are higher than the service fee for certain repairs or replacements. In most cases, this is due to coverage caps, which are a limit set on payouts from your home warranty company. If your repair or replacement is more than the coverage cap, you’ll be on the hook for the difference. Make sure you understand coverage limits entirely before committing to a home warranty provider.

Are home warranties worth it?

A home warranty company will typically be well worth the money that you pay. All it takes is a few system or home appliance repairs to justify the entire cost of the home warranty for the year.

If you consider the average prices of typical home repairs, you’ll quickly see that the value of a home warranty far outweighs the cost. For example, an average plumber visit will be over $300, an average electrician repair job will be just under $300, an average stove replacement will be over $1,000, and a typical fridge repair can range from $50 to several hundreds of dollars. A home warranty lets you pay an average of just $85 for any one of these issues, helping you avoid surprise charges that throw your budget and savings out of balance.

If you’ve been a homeowner for some time, you very likely have had the displeasure of surprise maintenance fees. You might have had to pay hundreds or even thousands of dollars to repair or replace HVAC equipment, a refrigerator, plumbing damages, or other issues. The best benefit of a home warranty is having the peace of mind that you will always be able to keep your home in working and livable condition.

House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home. 

Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.

To make the most of our research, we developed an objective rating system to score each home warranty company based on the following criteria:

• Plans: Do they provide a variety of plan options? We looked at the number of plans each company offered and the flexibility of adjusting the plan.
• Prices: How reasonable are the monthly and service fees compared to the industry average? We compared the costs of each company to competitors.
• Coverage: How many items are covered in each plan? We looked at the number of items each company covers. We dig into all service contracts available to get all the details.
• Customer service: How is the customer experience when calling the providers? Based on our phone calls, we judged each company’s customer service.
• Trust: What do customers rate the company? We looked into what customers are saying about their experience with the company.
• Nationwide availability: How many states does the company cover? We found the number of states covered by each company.
• Unique perks: Does the company offer discounts or cover special items? We looked for perks offered by each company that set them apart from the competition.