Why Trust House Method
- 63 companies reviewed
- 41 key factors analyzed
- 2583 data points parsed
- 885 homeowners surveyed
- 57 service contracts scrutinized
Mississippi homeowners get a low cost of living, comfort food, and mild winters. The state of Mississippi has lots of great things going for it, but of course, homeownership in any state can be stressful. The time you spend worrying about the systems and appliances in your home will certainly start to wear on you.
Home warranties can save just about any homeowner money, but they are particularly useful in areas like Mississippi, where home appliances and systems fail regularly. The above-average rainfall, the likelihood of hurricanes and other natural disasters, and the extreme heat in the summer can put added stress on things like air conditioners and roofs. We consider these local factors and many others when ranking the best home warranty companies in Mississippi.
House Method’s Experts collected and analyzed 2000+ critical data points to identify what makes a great home warranty company in the eye of the consumer. Our reviews team used this data to assess over 60 home warranty providers for coverage extent, annual cost, and national availability to provide unbiased reviews so homeowners can confidently navigate key decisions about their homes.
Best Overall
$45-$53.33
$85
24-48 hours
$3,000
49 states
Most Cost-effective
$57.67-$62.08
$60
2-48 hours
$250-$3,000
46 states
Most Customizable
$29.27-$74.27
$75-$125
24-72 hours
$6,000
49 states
Quickest Service
$50-$62.90
$60-$90
12-48 hours
$500-$2,000
all states
Most Trustworthy
$69.99-$79.99
$75
24-48 hours
$500-$2,000
47 states
Choice Home Warranty is the best overall home warranty in the state of Mississippi. The Choice Home Warranty offers one of the most simple and straightforward service contracts on the market. If you are new to the world of home warranties and worried about whether or not your home will be accepted for coverage, don’t be. Choice HOme Warrant is one of the most inclusive companies on the market. Having more than 13 years in the industry, they know exactly what homeowners need and they will provide quick and affordable service.
✓ History of great customer service
✓ Every plan covers appliances and home systems
✓ Wide range of coverage available
✓ Plans and limitations are easy to understand
X Not many options for coverage customization
The Choice Home Warranty plan comes with the option of two different policies. Even though there are only two plans to choose from, each one has a mix of appliances and systems. Other home warranty companies will require that you purchase both system and appliance coverage, and it can get quite expensive. In addition, the Choice Home Warranty policy comes with a nice list of add-on coverages. These add-on coverages will help customize the plan to your needs. The coverage caps average around $2,500, and the service fee is $85, which is about average.
Here’s a detailed look at Choice Home Warranty’s coverage:
In addition to the above plans and coverages, Choice Home Warranty also offers add-on coverage options for some customization of your plans, including:
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 is the most cost-effective home warranty plan for Mississippi homeowners. When you are purchasing a home warranty, it is essential to pay attention to the overall costs. The more expensive a policy is, the harder it is to justify the costs. Select Home Warranty makes it much easier to afford their plans, and they offer quality workmanship along with it. In addition, the Select Home Warranty plan comes with free roof leak coverage. This coverage is an added benefit and a way to increase the overall value of this plan.
✓ Affordable
✓ Roof leaks included in all plan options
✓ Great customer service
✓ Years of experience
X Coverage caps are lower than many competitors
Select Home Warranty has three policies to choose from. The options are quite simple as you will have a systems plan, appliance plan, and combo plan to choose from. Select Home Warranty offers one of the most affordable combo plans on the market. It is just a few dollars more per month, yet it will double the coverage of the other plans. The Select Home Warranty also offers some great paid add-on coverages that you can use to customize your plan. The coverage caps for Select Home Warranty are a bit low compared to other service providers. The service fee, however, is well below average at just $60 per service call.
Here’s a detailed look at Select Home Warranty’s coverage:
There are some customization options available as well via the company’s add-on services, which include:
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 is the most customizable plan in Mississippi. Having the ability to add and subtract coverage based on the specific needs of your Mississippi home is quite an impressive benefit of the American Home Shield warranty. AHS has been on the market for more than 50 years, making it one of the oldest home warranty companies on the market. After all this time in the industry, American Home Shield is still looked at as having premium coverage for homeowners.
✓ Extensive industry experience
✓ Option to customize coverage
✓ High payout rates
✓ Unique coverage options
X A bit on the expensive side
The American Home Shield policies come in three choices. The two comprehensive options tend to be the better choice because of the system and appliance coverage. One important thing about the American Home Shield policy is that the add-on coverage is very strong. If your Mississippi home has a pool or a spa, this is an add-on you will want to consider. Pool and spa equipment are very expensive to repair. You can customize your service fee to meet your budget, and you can pay anywhere from $75 up to $150.
Here’s a detailed look at American Home Shield’s coverage:
American Home Shield also provides some optional coverage in the form of the below add-ons, which you can add onto any existing plan:
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 has been in business since 2008, so it has more than a decade of success and experience behind it. This company is unique because its coverage kicks in almost immediately. Where most companies have a 90-day waiting period, HSC has just a 10-day waiting period. The company also includes appliances and home systems in all plans, which is uncommon. The Home Service Club has relatively positive customer reviews, and it provides a wide range of coverage options for total peace of mind.
✓ Just 10 days between signing up and coverage kicking in
✓ Wide range of coverage options
✓ Great customer service
✓ Lots of experience
X Expensive
The Home Service Club offers two plans: the Standard Coverage Plan and the Comprehensive Coverage Plan. Both plans include protection for appliances and home systems, so they’re great options in Mississippi. The company also has unique coverage options for homeowners who want uncommon items to be covered. The coverage caps reach up to $2,500 depending on the covered item, and the service fee can be customized between $65 and $125.
Here’s a detailed look at The Home Service Club’s coverage:
The Home Service Club also provides the opportunity to customize your coverage to meet your specific needs. Add-on options from HSC include:
You can fill out this contact form to get a free quote from The Home Service Club, or you can call HSC at 800-842-9334.
For more information on this company, you can check out our complete The Home Service Club review.
Liberty Home Guard is the most trustworthy home warranty in the state of Mississippi. The great thing about the Liberty Home Guard plan is that it has a BBB rating of an A. This is almost unheard of in the home warranty industry. Even though the Liberty Home Guard plan has only been on the market for about two years, they have done a tremendous job of proving their value. One of the things that customers like most about LIberty Home Guard is the speed of service and attention to detail. Customer service has remained a priority since day one with this company.
✓ Above-average rating with the BBB
✓ Smooth claims process
✓ Outstanding customer service
✓ 60-day workmanship guarantee
X On the expensive side
The Liberty Home Guard has three plan options to choose from. A systems plan, appliance plan, and a comprehensive or combo plan. Each of these plans tends to be a little higher in cost than some of the other options on the market, but the coverages are pretty broad. The add-on coverage from Liberty Home Guard is some of the broadest on the market. You can add anything from pest control to a sump pump. The coverage caps with LHG are lower than most at just $1,500. The service fee is $75 for each service call.
Here’s a detailed look at Liberty Home Guard’s coverage:
Liberty Home Guard also offers some of the most highly customizable coverage, as it provides the below add-on coverages that can be added to any plan:
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.
A home warranty in Mississippi will cost between $35 and $80 per month or around $672 per year. The higher-priced plans will have more extensive coverage and some add-on options. The lower-priced plans will have limited coverage and potentially higher service fees as well. The average service fee is around $85 per service call.
Overall | $672.26 |
Single Family | $570.43 |
Multi Family | $1,014.31 |
Townhome | $492.61 |
Condo | $593.43 |
Duplex | $833.41 |
Home Over 5,000 sq ft | $1,232.50 |
Home Under 5,000 sq ft | $645.01 |
Home Warranty Company | Choice Home Warranty | Select Home Warranty | American Home Shield | The Home Service Club | Liberty Home Guard |
Our Rating | 9.7 | 9.5 | 9.6 | 9.4 | 9.3 |
Best For | Best Overall | Most Cost-Effective Plans | Best Customization Options | Fastest Service | Most Trustworthy |
Average Cost | $50 per month | $60 per month | $45 per month | $56 per month | $70 per month |
Service Fee | $85 | $75 | $75-$125 | $75 | $60 |
Annual Limit | $3,000 | $2,000 | $3,000 to unlimited | $350-$2,000 | $2,000-$2,500 |
Average Response Time | Up to 48 hours | Up to 48 hours | Up to 48 hours | Within 24 hours | Within 24 hours |
State Availability | 49 States | 46 States | 49 States | 50 States | 47 States |
Online Chat / Mobile App | No | No | No | No | Online Chat |
Quote | Get Quote | Get Quote | Get Quote | Get Quote | Get Quote |
At this point, we hope you feel confident about the Mississippi home warranty choices. The Choice Home Warranty is the best overall home warranty for Mississippi homeowners. With this plan in place, you will get great customer service, impressive workmanship, and more peace of mind about your home. The most important thing to ensure is that you get your home warranty started sooner rather than later. You never know when the next break will happen, and you will want your coverage to be active. Getting a quote for a few of the top five companies will help you choose the best possible plan for your needs.
Now that we have your options narrowed down to the top five best on the market, it’s time to choose which one of these plans will be best for you. There are several important factors to consider when comparing Mississippi home warranties. Three of these are customer reviews, claim approvals, and service fee pricing.
The above tips are rather general and will apply to buying a home warranty in just about any state. However, there are some specific things you’ll want to keep in mind in Mississippi as well that can help narrow down your options.
First, you should consider that the state receives well above the national average precipitation every year and extreme weather events. Mississippi residents contend with an average of 55.9 inches of rain, plus high winds and hurricanes, all of which make roof leaks more of an issue. Most residents look for coverage that includes roof leak protection.
Second, the temperatures in Mississippi can be blisteringly hot in the summers, reaching into the high 80s and 90s in the summer months. These high temperatures can put added stress on your cooling system, refrigerators, and freezers, and overworking them can lead to breakdowns. It’s wise to get a home warranty that includes ACs and these appliances.
A home warranty is a protection plan for your appliances and home systems. It acts somewhat like a home insurance policy in that it provides protection for things in your home and covers the costs of unexpected maintenance and replacements.
Home warranties come with an annual cost, plus you’ll have to pay a service fee averaging around $85 for every claim you file with your home warranty service provider. Home warranties also have coverage limits per item and on a yearly basis, which limit how much coverage you’ll receive for damages.
While it’s convenient to compare home warranties and homeowners insurance, the two actually differ in several important ways.
First, homeowners insurance is a general policy that covers total damage to your home. For example, it might payout a single lump sum after damage caused by a hurricane, but it doesn’t cover individual appliances or home systems like a home warranty does. With a home warranty, you can file smaller claims for smaller issues, like a fridge failing to work because of old age.
Second, a home warranty requires very little for a “qualifying event.” If you have coverage for your heating system and your boiler goes down unexpectedly, your warranty coverage will likely kick in. On the other hand, a qualifying event for home insurance is usually a catastrophe, like a fire, flood, or natural disaster. Homeowners insurance claims are rare, while home warranty claims can be filed multiple times per year.
Finally, the deductible or out-of-pocket costs you pay for each will vary quite a bit. A homeowners insurance policy often requires that you pay several thousands of dollars before coverage kicks in, although the coverage cap is usually in the hundreds of thousands. With a home warranty, your only out-of-pocket cost in most cases will be the $85 service fee, and the coverage caps are in the thousands most of the time.
The process of securing a home warranty in Mississippi is very straightforward. You just need to choose a service provider, select a plan that meets your needs and suits your budget, and then pay for the plan. Most providers require a waiting period before coverage kicks in, but after that, you can file claims by following the below process.
Every home warranty plan is different, so the coverage included in your home warranty will vary based on your provider and individual plan. Most options cover appliances or home systems, and there are comprehensive plan options that include coverage for both.
If you choose a plan that covers appliances, chances are you’ll get protection for your refrigerator, oven, stove, microwave, dishwasher, washing machine, clothes dryer, and garbage disposal. Some lower-tier plans don’t include refrigerators or washers and dryers. If you choose a plan that covers systems, you’ll be looking at coverage for your plumbing, heating, electrical, and cooling systems. Most also include water heaters and other minor systems, like garage door openers.
You will also likely have your pick of add-on coverage options. These are added a la carte to existing plans, and none are included in the plan cost. Common add-on options are for pools, spas, additional refrigerators, sump pumps, and more.
As is the case with coverages included, every plan will exclude different items. For a list of what yours covers, you should always check your service contract. The most common general exclusions are for intentional damage, issues caused by a lack of maintenance, pre-existing conditions in your home, and cosmetic repairs.
Although home warranties are generally positive and end up saving people money, there are some complaints we see often from homeowners in Mississippi about their coverage and plan providers.
One of the most common issues reported is higher out-of-pocket costs for certain problems. Things like roof leaks and fridge replacements can often exceed coverage caps, so be sure you understand the maximum payout your warranty company will provide.
Another issue commonly reported is companies denying claims that are for covered items. In some cases, this could be due to limitations in the coverage or exclusions, like damages to your HVAC system because you failed to maintain it properly. These denials can be genuine, but they can also occur if you choose a warranty from a less reputable company. We recommend only working with a trusted provider, like those mentioned above.
Home warranties will cover their entire costs after just a few repairs or replacements around the home. When your home experiences an issue with a washing machine and a dryer simultaneously, would your budget allow you to fix both? Most Mississippi homeowners don’t want to live with the fear of something happening to an appliance or system from one day to the next. The home warranty becomes a great option for protecting the budget and providing some peace of mind to Mississippi homeowners.
For example, a single service call to a plumber or HVAC tech averages around $300. How many times in the past year have you needed one of these specialists? Appliance repair averages around $350, and replacement can cost several thousands of dollars. With a home warranty, you’d pay just $85 on average per service call. If you do some simple math, you’ll see that a home warranty can save you far more than you’d normally spend on home maintenance in a given year.
Home warranties provide more than just financial assistance; they also give you peace of mind that you won’t be subject to unexpected repair bills. Many Mississippi homeowners find that their home warranty is worth the comfort it provides, even if they never make an expensive service call that needs coverage.
The best home warranty company in Mississippi is the Choice Home Warranty. Choice is a plan that has been on the market for 13 years and has always been rated among the highest. The customer service, simplicity of the contract, and fair coverage options make the Choice Home Warranty one of the best on the market.
The service fee is the price you pay for a repair technician to come to your home and inspect and repair a broken appliance or system. The service fee is typically the only cost incurred by a homeowner when they have a home warranty in place. Service fees range in price from $60 to $150.
Everyone can benefit from a home warranty, and they end up saving most homeowners a significant amount of money over the life of the coverage. However, they are particularly useful for first-time homebuyers looking to protect their new home and investment, sellers in the real estate market who want to avoid charges for repairs made for their buyers, and those who live in aging houses that are more likely to experience issues.
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:
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