Best Home Warranty Companies in Mississippi

By Kathleen McCoy

A home warranty can cover expensive repair or replacement costs that you would normally have to pay yourself. To get this kind of coverage, you’ll sign up for a policy and pay a premium to your provider on a monthly or annual basis. If a covered system or appliance breaks down, you’ll contact your provider, and the repair, including the technician and cost, will be taken care of in exchange for a small service fee.

The right home warranty can potentially save you thousands of dollars in repair fees. But which company provides the best home warranty in the Magnolia State? Our guide will help you learn more about home warranty options in Mississippi and how to get coverage now. 

Mississippi’s top 5 home warranty companies

Best HVAC Coverage

  • 2 plans + optional add-ons
  • Covers improperly installed or maintained items
  • No cap on coverage for HVAC
  • $28–$43 per month
Most comprehensive coverage

  • Offers 4 plans + optional add-ons
  • Guarantees parts and labor for the life of your membership
  • Lets members select their own service technician
  • Has unique benefits like free credit monitoring and discounted supplies

our rating9.1

AFC Home Club review
Editor's Choice

  • 2 plans available + optional add-ons
  • Has over 10 years of industry experience
  • 90-day repair guarantee
  • $36–$44 per month
Most trustworthy

  • All three available plans are under $60.00 per month
  • Has a 60-day workmanship guarantee on all repairs
  • Offers optional add-ons for up to 20 items
  • Customer service available 24 hours a day, seven days a week
Best customizable plans

  • 4 plans + add-ons and the option to build your own plan
  • Customers can choose the service fee they want to pay
  • Provides generous coverage caps
  • $50–$55 per month

Top home maintenance problems in Mississippi

Let’s take a look at some of the most common problems you might run into on your Mississippi property and how your home warranty can help you tackle them quickly.

  • Well system problems: Many homes in Mississippi are located in rural areas that rely heavily on private well systems. High levels of minerals in Mississippi’s water can cause your well pump to erode faster than those in surrounding states. Though well pumps aren’t included in most base plans, you can typically add protection for a well pump as an optional coverage depending on the company.
  • Air conditioning damage: A functional air conditioning system is crucial in Mississippi’s hot and humid summers. Extreme summer temperatures can cause your air conditioning system to wear down faster. Thankfully, most home warranty policies that include systems coverage extend that coverage to air conditioning systems.
  • Electrical surges: Mississippi is known for its regular thunderstorms. These storms may cause power surges, which could damage your electrical system and appliances. A comprehensive home warranty plan will protect this system along with any appliances that use electricity. 

1. First American Home Warranty

First American Home Warranty is best known for its First Class Upgrade add-on, which extends your coverage to include areas like building permits, components that were improperly installed or repaired, removal fees, and more. This coverage can be especially beneficial for homeowners who live in older homes and don’t know the condition of their systems and appliances.

First American Home Warranty currently offers two plan choices:

  • Basic Plan ($28 per month): The Basic Plan covers nine essential home appliances, including your dishwasher and garbage disposal.
  • Premier Plan ($42.50 per month): The Premier Plan covers everything in the Basic Plan plus eight home system coverages, including plumbing stoppages and water heaters.

In addition to your monthly premium, you’ll also pay a $75 service fee each time you use your plan. 

You can customize your policy with the First Class Upgrade or any of the following coverages:

  • Central air conditioning
  • Additional refrigeration unit
  • Pools and spas
  • Well pumps
  • Pest control services

Claim your free quote from First American Home Warranty by filling out this online form or calling 833-204-7164.

2. America’s First Choice Home Club

America’s First Choice (AFC) Home Club has a choose-your-own service fee policy. When you sign up for coverage, you’ll pick a $75, $100, or $125 service fee depending on what you can afford to pay.

AFC Home Club currently offers four plan options:

  • System Plan ($43.18 per month): The System Plan covers six major home systems, ranging from your air conditioning system to your plumbing system.
  • Silver Plan ($43.18 per month): The Silver Plan covers nine major home appliances, ranging from your clothes washer to your oven.
  • Gold Plan ($52.27 per month): The Gold Plan covers everything found in both the Silver Plan and the System Plan.
  • Platinum Plan ($59.09 per month): The Platinum Plan covers everything in the Gold Plan plus a few more items.

You’ll also pay your chosen service fee each time you need a repair.

Customize your policy from AFC Home Club with the following optional add-ons:

  • Sump pump
  • Hot water dispenser
  • Septic system
  • Pool and spa
  • Additional freezer
  • Central vacuum
  • Well pump
  • Tankless water heater

Claim your free quote from America’s First Choice Home Club by filling out this online form or calling 877-755-1115.

3. Choice Home Warranty

Choice Home Warranty is the only company in this review that offers comprehensive coverage in all of its plans. This means that you’ll get protection for both systems and appliances regardless of the plan you choose.

Choice Home Warranty currently offers two plans:

  • Basic Plan ($36.17 per month): Choice Home Warranty’s Basic Plan covers 14 major home components, including your plumbing system and dishwasher.
  • Total Plan ($42.50 per month): The Total Plan includes everything in the Basic Plan plus coverage for four more items.

You’ll also pay an $85 service fee.

You can expand your coverage with the following add-ons:

  • Central vacuum
  • Limited roof leak
  • Septic system
  • Septic tank pumping
  • Sump pump
  • Well pump
  • Pool and spa
  • Second refrigerator
  • Standalone freezer

Claim your free quote from Choice Home Warranty by filling out this online form or calling 929-400-6164.

4. Liberty Home Guard

If customer reputation is your number one concern when choosing a company, Liberty Home Guard might be the right choice for you. With an average rating of 4.67 out of 5 stars on its Better Business Bureau profile, Liberty Home Guard’s customers rank the company higher than customers of competing home warranty providers.

Liberty Home Guard has three plan choices:

  • Appliance Guard ($40 per month): The Appliance Guard plan covers nine of your home’s appliances, like your refrigerator and built-in microwave oven.
  • System Guard ($50 per month): The System Guard plan covers six essential home systems, including your heating system and ductwork.
  • Total Home Guard ($60 a month): Liberty Home Guard’s most comprehensive plan is Total Home Guard, which covers everything in both the Appliance Guard and System Guard plans.

In addition to your monthly premiums, you’ll also pay a $60 service fee each time you use your plan.

You can customize your policy from Liberty Home Guard with the following add-ons:

  • Ejector pump
  • Grinder pump
  • Septic system pumping
  • Limited roof leak
  • Pest control
  • Central vacuum
  • Stand alone freezer
  • Re-key
  • Second refrigerator
  • Well pump
  • Sump pump
  • Fixtures
  • Water softener
  • Lawn sprinkler system
  • Electronics protection
  • Swamp cooler
  • Pool and spa
  • Additional spa
  • Gutter cleaning
  • Floor and carpet cleaning

Claim your free quote from Liberty Home Guard by filling out this online form or calling 866-451-2281.

5. American Home Shield 

American Home Shield is another trusted name in the home warranty industry. With nearly 50 years in business and generous coverage caps, homeowners can rest easy knowing that they have comprehensive and reliable home warranty coverage with American Home Shield. 

American Home Shield has three levels of coverage:

  • Systems Plan ($49.99 per month): The Systems Plan covers 12 home systems, ranging from your air conditioning system to rekeying services.
  • Appliances Plan ($49.99 per month): The Appliances Plan covers 10 home appliances, like your refrigerator and washer-dryer set.
  • Combo Plan ($59.99 per month): The Combo Plan includes everything in the Appliances and Systems Plans.

Like AFC Home Club, you can select a service fee of $75, $100, or $125 when you sign onto your plan. 

American Home Shield allows policyholders to add the following optional coverages to their plans:

  • Electronics
  • Pool and spa
  • Well pump
  • Septic pump
  • Duplex

Claim your free quote from American Home Shield by filling out this online form or calling 888-365-2839.

Mississippi home warranty buying guide

With so many companies offering home warranty coverage in Mississippi, choosing the right policy can be a challenge. Here are a few factors you might want to consider when narrowing down your options:

  • Customer service: You’ll want a company with a responsive customer service team. This allows you to get any questions you have about your policy or claims you filed answered in a timely manner.
  • Well pump coverage: Many communities in Mississippi still rely on well water. If you have a well, you may want to look for a home warranty company that offers optional coverage for well pumps so that you can get comprehensive coverage like homeowners in urban areas.
  • Cancellation fee: Most home warranties will charge you a cancellation fee if you terminate your policy before the term is over. If you aren’t sure whether buying a home warranty is right for your property, you might want to consider a provider that offers a money-back guarantee period, like Choice Home Warranty. 

Our conclusion

No one provider will work for every person and home, which is why we gave you a list of five companies. Before making a final decision, we recommend getting quotes from all of them so that you can see what coverage and cost would look like for you specifically.

Frequently asked questions about Mississippi home warranties

Is there a limit to how many claims I can file?

No. Most home warranty companies allow you to file as many claims as you need to during your contract term. However, they likely have a total amount they’re willing to pay on repairs. If that’s the case, you may have to pay for some of the repairs yourself if you file more than a few in a year.

Do home warranty companies require an inspection?

Most home warranty plan providers don’t require a home inspection before you purchase a policy. However, if you have an older home, they might require it if they suspect that some of your systems and appliances aren’t running properly.

Can I buy a home warranty when something in my home breaks down?

You can purchase a home warranty at any time. However, remember that your home warranty will likely come with a waiting period, which means you can’t file a claim until a certain number of days have passed.

See the best home warranty companies in your state

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