Best Home Warranty Companies in Mississippi

Are you financially prepared to repair or replace a household system or appliance? So many people today don’t have an adequate emergency fund to cover failed HVAC systems, plumbing stoppages, electrical problems, roof leaks, or appliance failures. However, by choosing one of the best home warranty companies in Mississippi to protect your investment, all you’ll need to pay is a small service call fee to get your home system or appliance up and running again. 

Home warranty companies in Mississippi offer a wide range of plans and programs to fit virtually every budget and every home. Keep reading to learn about the best home warranty companies in your area, common home maintenance challenges, and six important home warranty buying tips.

Mississippi’s best home warranty companies

Mississippi is bordered by Alabama, Tennessee, Arkansas, Louisiana, and the Gulf of Mexico. The state is actually named after the Mississippi River—not the other way around. The river was named by the Ojibwa tribe messipi, meaning “Big River” or by other translations, “Father of Waters.” Jackson is the capital of the state, named in honor of General Andrew Jackson’s victory at the Battle of New Orleans. Other large cities in Mississippi include Gulfport, Hattiesburg, Biloxi, Southhaven, Meridian, Olive Branch, Clinton, Tupelo, and Greenville.

There’s an abundance of activities and cultural events that Mississippi residents and visitors can enjoy. Visitors to the state are invited to explore the Hot Tamale Trail or the Seafood Trail that both promise extraordinary culinary delights. Mississippi boasts a thriving fine art scene, an international ballet competition, and countless live music halls where country music, blues, and other genres are embraced. 

Mississippi is also the birthplace of many well-known celebrities, including Tennessee Williams, B.B. King, Elvis Presley, Jimmy Buffet, William Faulkner, Jim Henson, Oprah Winfrey, James Earl Jones, and football great, Brett Favre.

The Mississippi Forestry Commission found that 63% of Mississippi’s landmass is covered with rich forests. Aside from that, the Mississippi River Delta is at the confluence of the Gulf of Mexico and the Mississippi River and extends beyond the state boundaries into Louisiana’s east coast. The importance of this delta cannot be overstated. In fact, the Mississippi River Delta is the largest drainage basin in the country, responsible for draining over 40% of water in the continental U.S. 

Overall, the Mississippi housing market is projected to slow a bit in the coming years, but it’s expected to remain strong in many of the larger metropolitan areas. Real estate experts project a growth rate just over 3% for the coming year and that most areas of the state will continue to be a sellers’ market. The inventory of affordable housing remains tight in many areas. However, Mississippi has one of the lowest costs of living in the U.S.

Top home maintenance problems in Mississippi

Mississippi’s diverse terrain, geological makeup, high water tables, and extreme weather conditions can cause significant home maintenance challenges for homeowners in the state. Here are four common maintenance problems homeowners must be prepared to address.

1. Leaks around foundations

Mississippi’s water table and proximity to the Gulf of Mexico and the Mississippi River means that home foundations can be at risk of leaks due to unmitigated water below and around the home. In flood-prone areas, FEMA recommends elevating homes in flood plains to avoid damage and to prevent the loss of life due to flooding.

If you aren’t in a floodplain, waterproofing your basement by sealing the exterior walls of your home and installing a French drain and sump pump may provide the protection your home’s foundation needs.

2. Electrical surges

Mississippi is known for its violent thunderstorms, and unlike other parts of the country, thunderstorms occur throughout the year. If you live in Mississippi, you know that intense thunderstorms often cause power outages. When a power outage occurs, electrical surges can move through your home, shorting out expensive electrical appliances, including ranges, clothes washers, dishwashers, and even your HVAC system.

In some cases, individual surge protectors can save electronics, including computers and televisions, but few people have surge protection installed on their major household appliances. A home warranty plan that covers appliances may protect you from electrical surges.

3. Mold

Mississippi’s climate is humid, and humidity can cause mold infestations in your home. If you see condensation on walls or windows, install a dehumidifier to help remove moisture from the air. We all know that mold can be dangerous to human and pet health, but mold can also damage the health and stability of a home.

Mold thrives in areas with little air circulation like bathrooms, basements, attics, behind cabinetry, and in the walls. What many people don’t realize is that mold actually feeds on organic materials in the home like hardwood, drywall, and paper. Once a mold infestation starts, a professional mold remediation team may be necessary to stop the mold’s growth and to prevent further damage to walls, floors, and other features of your home.

4. Changes in well water

In many areas of the state, many homes still rely on private wells as their water source. High levels of lead and copper are possible in some areas and, therefore, it’s essential to have your well water tested if you notice any changes in the smell, taste, or color of your water.

The Mississippi State Department of Health tests private wells for bacteria contamination only—if you believe you have a high mineral content in your water or another contaminant, you will need to order testing through a private laboratory.

Because of the water tables in Mississippi, as well as the potentially high levels of minerals in the water, well pumps can struggle and fail earlier than anticipated. Well pumps are expensive to repair and replace, so if you have a well on your land, it may be wise to consider a comprehensive plan from one of the best home warranty companies in Mississippi to protect your investment.

Who is eligible for a home warranty in Mississippi?

The majority of property owners in Mississippi are eligible for a comprehensive home warranty plan. Investors, as well as individuals that own their own home, can find suitable home warranty plans to cover the systems or appliances desired. Before you sign your home warranty contract, remember to carefully read and understand the limitations and exclusions of each company’s policies to ensure you’re getting the right coverage.

Do you own a mobile home? Learn more about mobile home warranty coverage here.

What is covered under a Mississippi home warranty?

Home warranty companies in Mississippi offer a variety of plans and coverage options, allowing property owners to cover the most important systems and appliances of the home. While many plans are similar, it’s vital that you make sure the plan you choose covers what actually want covered—this is especially important if you have unique appliances or systems that require coverage.  

American Home Shield

American Home Shield is the oldest home warranty company in the United States. In addition to plans that cover appliances, systems, and a combination of both—American Home Shield is known for their “Build Your Own Plan.” Here’s a look at their plans to help you make an informed choice for your home warranty.

The Home Service Club

The Home Service Club eliminates the frustration and expense of replacing or repairing appliances and home systems that break down due to normal wear and tear. The company has over 15,000 prescreened contractors on standby to assist customers with claims. A home inspection is not required prior to being accepted for coverage. The Home Service Club currently offers the following plans to property owners in Mississippi:

Select Home Warranty

Coverage from Select Home Warranty consists of three programs to cover the essential items in your home. Extra coverage can be purchased for systems outside of the scope of coverage for an additional price. If you’re buying or selling a home, Select Home Warranty offers special programs to protect home buyers against household system and appliance failures. Here are how Select Home Warranty plans are offered:

How much does a home warranty cost in Mississippi?

In Mississippi, the cost of a home warranty plan depends on the size of your home, the age of the home, the coverage plan included, and any optional coverage you select. The best home warranty companies in Mississippi offer multiple tiers that allow homeowners to purchase a plan that covers the most important household systems and major home appliances. 

• Basic/Appliance plans: $35–$65 per month
• System plans: $40–$75 per month
• Total plans: $50–$80 per month
• Add-ons: $4–$25 per month, per option

How does a home warranty work?

Once you sign up with a home warranty company, you’ll have to wait 30 days—in most cases—for coverage to begin. After this waiting period is over, you can file a claim with your home warranty company whenever a covered item (household system or appliance) stops working.

To speed up the process, most home warranty companies in Mississippi offer online claim submissions that allow them to quickly and efficiently dispatch a pre-screened repair technician to your home. Once a technician is dispatched, the technician will complete the repair, or recommend that the appliance or system is replaced. 

Each claim you file will be subject to a service fee. Before you sign your home warranty contract, understand how much the service fees cost, what’s actually covered under your plan, and any exclusions and limitations.

Why is a home warranty necessary?

Comprehensive home warranties save homeowners hundreds to thousands of dollars each year in unexpected repairs on expensive appliances and household systems. When appliances are no longer covered under their manufacturer warranties, they can become expensive to fix in the event that they break down or stop working altogether.

With a home warranty, covered appliances can be repaired for just the cost of the service fee, or replaced if the appliance is beyond repair. When household systems like HVAC, plumbing, electrical, and water heaters stop working, repairs can be extremely expensive. If you don’t have an emergency fund of approximately 2%–5% of your home’s value, a home warranty may be a wise choice to keep you protected from expensive fixes. 

Perhaps you have an older home and are concerned about the potential of costly repairs if your electrical or plumbing systems fail. If major household systems are your concern, most home warranty companies offer plans that cover heating and air conditioning, plumbing, and electrical systems. If you have expensive appliances in your kitchen and want to protect yourself against costly repairs, there are plans available that cover these appliances, too.

Additionally, many homes in the state have auxiliary equipment, including sump pumps, spas, swimming pools, well pumps, septic systems, water filtration systems, and whole-home generators. If you have one or more of these systems, the best home warranty companies in Mississippi encourage customers to add coverage in the event that these items fail.

Buying a home warranty in Mississippi

When you’re ready to buy a home warranty in Mississippi, here are six tips to follow:

1. Inventory all of the major appliances in your home. Think about what you want coverage for and if you want protection for items like you wine refrigerator, sump pump, or swimming pool.
2. Make a note of how old your systems and appliances are. Some home warranty companies may ask about the age of a system and the last time it was inspected when you file a claim—this helps them understand if an item had a pre-existing condition and if coverage applies.
3. Ask how long it takes for a technician to come to your home to help resolve your issue. Some companies are great at getting technicians out within 24 hours of your claim, while others will dispatch a repair tech within 72 hours of your initial claim.
4. Read your home warranty contract carefully and be sure you understand the service fees, exclusions, and limitations in the contract. If you have any questions, ask a sales team member for clarification and be sure you get their answers in writing before signing.
5. Get quotes from several companies and compare the services they offer and the covered systems in the plan before signing a contract.
6. Ask your friends and family for their recommended home warranty.

Mississippi home warranty reviews

American Home Shield

American Home Shield has a B rating with the Better Business Bureau and the business has been accredited with the BBB since 1997.

Dora in Mississippi says,

“I’ve been with American Home Shield for several years and anytime I’ve called, their responses have been very prompt and the problems that existed were fixed. I certainly appreciate this service.”

Ronald in California says,

“We just noticed there was weird water pressure and leaking, so we called. The contractor [assigned to us] was great. They called right away and got a plumber here the next day and first thing in the morning it was fixed.”

The Home Service Club

The Home Service Club is headquartered in New York and has been in business since 2008. Consumer Affairs gives The Home Service Club an overall 4.5 satisfaction rating based on over 400 reviews submitted in the last calendar year. 

Bartosz of Portland says,

“Late on a Tuesday night I came home to find that my water heater had sprung a leak into the drip pan in my attic and it was not producing hot water because the water covered the pilot light. I turned off the gas to the water heater that night to stop a potential gas leak. First thing in the morning I called Home Service Club. The representative was very friendly but said they didn’t have any openings until the next day. She said she would put the call on standby and if an appointment opened up a technician would be out the same day.”

Siena of San Diego says,

“I have been with Home Service Club for three years. For now, I have no complaints about them. They have taken care of everything I have called them about within a few days. I had a problem with my microwave; it was nine years old. The tech determined it could not be repaired, so they replaced it. It just cost me the $95 deductible.”

Select Home Warranty

Select Home Warranty has a B rating with the Better Business Bureau. The company is headquartered in New Jersey and the company has been in business since 2012. 

Erica M. says,

“[The company] called me right away after filing a claim. The contractor came out and fixed my air conditioning unit right away. The best service I ever had.”

Isaac says,

“The contractor came to me within three hours after I filed the claim. Fixed my furnace, was very polite, and quick response time. I highly recommend.”

Our conclusion

The best home warranty companies in Mississippi based on our research and customer reviews include:

• American Home Shield
• The Home Service Club
• Select Home Warranty

Home warranties can save you thousands of dollars in repairing or replacing major home systems and appliances and can provide you with an experienced service technician to complete the job—saving your valuable time and money. 

While your homeowners insurance policy covers your property against damage due to fires, weather damage, and other catastrophic events, it doesn’t cover your basic household systems and appliances. The best home warranty companies in Mississippi cover homes, like yours, to give you peace of mind in the event a major system or appliance fails.