Updated Jan 10, 2023
Updated Jan 10, 2023
We recommend the best products through an independent review process, and advertisers do not influence our picks. We may receive compensation if you visit partners we recommend. Read our advertiser disclosure for more info.
The state of South Dakota offers many incredible benefits to homeowners. With no state income tax, beautiful surroundings, lots of land, and affordable homes purchasing a home in South Dakota can be a dream come true. However, homeownership comes with its fair share of ups and downs. The systems and appliances in a South Dakota home can be difficult to repair and manage.
The winters in South Dakota are tough, and if you experience a breakdown of your heating system or hot water heater, you will be glad to have a home warranty in place. In our guide featuring the best home warranty company in South Dakota, we will explain how to choose a SD home warranty, why a home warranty is necessary, and the best companies for a home warranty in South Dakota.
Why Trust House Method
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.
Choice Home Warranty is the best overall home warranty in the state of South Dakota. A Choice Home Warranty has a very straightforward service contract that will allow homeowners to see the exact coverages that they have in place. Choice Home Warranty does everything it can to make the entire process of owning a home quite a bit less stressful. With more than 13 years in the home warranty industry, Choice has become one of the most trusted names on the market. You will love the fair pricing and broad coverage options offered by Choice Home Warranty.
Pros
Cons
Unlike other companies that offer three or four plans, Choice only offers two. However, these plans are both combo plans, as they both contain system and appliance coverage. Having both of these coverage choices are going to help ensure that you have more peace of mind about your South Dakota home. There are also several add-on options that can help make your Choice Home Warranty more comprehensive. The service fees from Choice Home Warranty are $85, which is slightly below the industry average.
Here’s a detailed look at Choice Home Warranty’s coverage:
Choice Home Warranty has several add-on coverages that you can add to either of its plans.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
Read the full Choice Home Warranty Review.
Select Home Warranty is the most cost-effective home warranty plan for South Dakota homeowners. If you are a South Dakota homeowner, you will find that it can get quite expensive. Adding a home warranty policy to the monthly budget is a tough decision. Select Home Warranty helps to make this a much easier choice by offering an affordable yet effective home warranty plan. Select Home Warranty has been in the industry for close to ten years. They are known for having a very high level of workmanship quality.
Pros
Cons
There are three Select Home Warranty policies to choose from; however one will stand out as the clear winner. The Select Home Warranty Platinum Care plan offers twice the coverage of the other plans offered, and it is just a few dollars more per month. In addition, the plan comes with free roof leak coverage, an add-on that most companies will charge quite a bit extra for. If the roof leak coverage is not enough, there are other add-ons that you can include as part of your policy with Select Home Warranty. The Select Home Warranty has a service fee that is $65.
Here’s a detailed look at Select Home Warranty’s coverage:
Select Home Warranty has several add-on coverages that you can attach to either of its plans; roof leak coverage is included without paying extra.
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 South Dakota. Each South Dakota home is unique, and your home warranty coverage should reflect that. American Home Shield has been in the industry for the last 50 years. Through that time, they have developed a strong network of service professionals and technicians to handle the issues in your South Dakota home. American Home Shield is known for having premium coverage and impressive customer service. Although some of the plans may cost a few dollars more per month, the coverage caps and limits are quite high.
Pros
Cons
There are three American Home Shield policies on the market; however, the combo or comprehensive plans are the most popular. Having a mix of appliance and system coverage allows for greater peace of mind about the home. The American Home Shield plan also has quite a few add-on choices that make it easier for you to get the exact coverage that you need. The AHS plans have a customizable service fee that ranges from $75 to $125.
Here’s a detailed look at American Home Shield’s coverage:
American Home Shield also offers several add-on coverages for homeowners to consider.
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 the quickest coverage of any home warranty provider in South Dakota. With The Home Service Club, your policy will go into full effect just ten days after signing up for coverage. Many other home warranty plans require a 30-day waiting period. The Home Service Club has been on the market for 13 years, and it has known for being a comprehensive service provider. The Home Service Club has fair coverage caps and a customizable service call fee. When you request service, The Home Service Club is quick to respond and has excellent reviews for the repairs that they have completed.
Pros
Cons
There are two The Home Service Club plans for homeowners to choose from. These include the Standard Coverage and the Comprehensive Coverage plan. Homeowners that choose the Comprehensive Coverage will have 33 covered items, more than any other plan on our list. The service fee from The Home Service Club will range from $65 to $125. The higher service fee will result in a lower monthly payment.
Here’s a detailed look at The Home Service Club’s coverage:
The Home Service Club also has plenty of add-on options, starting around $5 per month and increasing from there.
To get a free quote from The Home Service Club, fill out this online form or call 800-842-9334.
To learn more information, visit our The Home Service Club review.
Liberty Home Guard is the most trustworthy home warranty in the state of South Dakota. Purchasing a home warranty is a significant step; however, you must trust the company that you have hired. Liberty Home Guard will show up when they say they will work with you to keep your home in excellent working condition. The Liberty Home Guard has an A rating with the BBB. After just two years in the business, the A rating is an impressive accomplishment. South Dakota homeowners with lots of systems and appliances in their homes will enjoy what the Liberty Home Guard plan has to offer.
Pros
Cons
There are three Liberty Home Guard policies offered to South Dakota residents. The three policies include a systems plan, appliance plan, and combo plan. The three plans have very broad coverage ranges. In addition, the add-on options from Liberty Home Guard are quite impressive. You can add anything from an extra spa to floor cleaning coverage to your home warranty plan.
Here’s a detailed look at Liberty Home Guard’s coverage:
Liberty Home Guard has one of the most extensive lists of add-on coverages in the industry; these will include:
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.
The average cost of a home warranty plan in South Dakota is $725 a year. This is for an average home with an average-level plan. However, if you want to cut coverages a bit or add coverages the pricing could change considerably. South Dakota homeowners will need to find a plan that matches the needs of their home with their budget. If you are looking for a premier plan with very low replacement costs, except that the pricing is going to be higher. Choose a home warranty with an adjustable service fee or deductible to ensure that you get a balance between the monthly payment and the out-of-pocket expenses.
Overall | $726.92 |
Single-Family | $587.22 |
Multi-Family | $1,094.05 |
Townhome | $493.09 |
Condo | $614.55 |
Duplex | $899.75 |
Home Over 5,000 sq ft | $1,294.73 |
Home Under 10,000 sq ft | $649.45 |
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 | 9.5 | 9.4 | 9.3 |
Best For | Best Overall | Most Cost Effective | Best Customizable Plans | Quickest Service | Most Trustworthy |
Average Cost | $600/year | $614/year | $629/year | $678/year | $699/year |
Service Fee | $85 | $65 | $75-$125 | $65-$125 | $75 |
Annual Limit | Up to $3000 per covered item | Up to $2000 per covered item | Up to $6000 per covered item | Up to $2500 per covered item | Up to $2000 per covered item |
Average Response Time | Up to 48 hours | Up to 48 hours | Up to 48 hours | Within 24 hours | Within 24 hours |
State Availability | Excludes WA | Excludes NY, NV, WA, WI | Excludes AK | Available in All States | Excludes WA & WI |
Online Chat / Mobile App | No | No | Yes | Yes | Yes |
Quote | Get Quote | Get Quote | Get Quote | Get Quote | Get Quote |
At this point, you should have a bit less confusion as to which home warranty is the best for your South Dakota home. Living in South Dakota has so many benefits, but if your systems and appliances are continually costing you time and money, you won’t be able to enjoy them quite as much. Choice Home Warranty stands out as the best overall choice for a home warranty in South Dakota. Choice is easy to work with, has more than 13 years of experience, and will help to make your home warranty purchase relatively smooth. It makes sense to get a few quotes from the home warranty companies on our top 5 list. Comparing pricing and coverage is a great way to ensure you get a deal on your home warranty.
Now that we have narrowed your list of potential home warranty policies down to the top five, it is time to break them down and come up with the top choice. It’s important to compare these policies and determine which is the best value. Three things to look at in a plan include coverage caps or limits, optional coverages, and service fees.
South Dakota can experience a wide range of climate and weather conditions. Homeowners will notice that these changes in temperature and overall harsh environment can cause some issues with home systems and appliances. Three of the top home maintenance problems in South Dakota include electrical systems, plumbing systems, and HVAC systems.
A home warranty is a savings plan that will help South Dakota homeowners who are tired of paying high out-of-pocket expenses for home systems and appliances. The home warranty is a great way to save money while also enjoying peace of mind about your South Dakota home. Homeowners in South Dakota can get protection for the refrigerator, electrical system, and even the swimming pool. Home warranty plans will typically range from around $30 a month to more than $70 a month, and they are offered by a large number of providers in the SD area.
Homeowners’ insurance and home warranties are two different things. The homeowners insurance policy is designed to help homeowners that need to cover large issues like tornadoes, hurricanes, or even a fire. The homeowner’s insurance plan is sometimes mandatory if you have a mortgage on your home. Home warranty plans cover the systems and appliances that we use on an everyday basis. Things like the microwave and your plumbing system are all covered under the home warranty. Homeowners insurance can save you from major disasters, and the home warranty will help make day-to-day life more affordable and less stressful.
Now that you have a better idea of what a home warranty is, it’s smart to get an idea of how this plan will work to help you protect your home. Homeowners in South Dakota will have to spend some time choosing the right home warranty, and then once the warranty is in place, everything else should be quite easy to manage.
A home warranty plan will cover three basic categories, home systems, home appliances, and add-on coverages. The add-on coverages typically include things like sprinkler systems, swimming pools, carpet cleaning, and more. These won’t be included as part of the plan and instead will add to the overall costs. Most of the add-on coverages start at about $5 extra per month.
The home appliances typically included in the home warranty plan can include things like the refrigerator or stove and even the washer and dryer. Home systems are typically the most expensive to replace, and the coverage for those includes things like plumbing systems, electrical systems, and septic coverage.
A home warranty will only cover your appliances, systems, and add-on for normal wear. Some home warranty plans will cover the entire item, while others will have exclusions for specific parts. Understanding exactly what is covered and not covered under your home warranty plan is essential to be able to get your money’s worth out of your plan.
Some home warranty providers will require an inspection before the start of the policy. The inspection will let homeowners know exactly what pre-existing issues are already a problem in the home. These will not be covered under the home warranty plan. Home warranty providers will deny claims for pre-existing issues and intentional breakage. Here are a few of the things that are not covered by a home warranty plan:
As great as home warranty coverage is for South Dakota homeowners, there are some complaints that people have. No home warranty provider is perfect, and there are issues that can come up with even the most premium policy. Let’s take a look at a few of the negatives that you can experience with these plans so that you have a better idea of what to expect.
A South Dakota home warranty is worth the price that you will pay. At the current time, it will cost more than a service fee just to have a handyman or repair technician come to your home to diagnose an issue. Something like an HVAC repair could cost you hundreds if not thousands of dollars. The South Dakota home warranty ensures that you are only responsible for a service fee.
Home warranties are known to save homeowners both time and money. If you are tired of searching for great repair technicians and having to negotiate pricing, the home warranty will handle all of this for you. Most homeowners find that a home warranty pays for itself after just one or two repairs.
Keep in mind that one of the main benefits of the home warranty for South Dakota homeowners is the peace of mind you can have about homeownership. Ensuring that your mind is clear and you can enjoy living in your home is a tremendous reason to invest in a home warranty policy.
Home warranties in South Dakota can range in price from $35 to $80 per month. If you are on a budget and want to add a home warranty to your South Dakota home, the appliance-only or system the only plan is the best choice. Expensive options include lots of add-on coverages and typically lower service fees.
A service fee is a price you pay for a technician or repair person to come to your own and inspect and repair a covered item. The service fee should be the only additional cost incurred by a homeowner with a home warranty in place. Service fees will range in price from $60 to $150.
South Dakota homeowners are lucky to have access to Choice Home Warranty. This is the best home warranty in South Dakota, and it comes with the most favorable pricing. Choice Home Warranty is an easy company to work with, and they offer straightforward contracts to help ensure you always know what is covered under your plan.
Most South Dakota homeowners will find that it only takes one or two repairs to justify the entire cost of the home warranty plan. The cost of a simple HVAC repair without a home warranty in place could cost hundreds of dollars. With a home warranty, it will only cost you the price of your service fee. This concept will offer homeowners tremendous peace of mind.
At House Method, transparency and trust are our most important values for the reader.
To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.
We developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria. We used a five-point scale with a point index ranging from 0.00 to 1.00. The minimum awardable value is 0.0, whereas 1.00 is the maximum. These numeric points are translated into star ratings, using whole star increments between one and five.
Here is a quick breakdown of our five core scoring categories:
Additional Home Warranty Resources
Get the best of House Method in your inbox
By creating an account you agree to our Terms of Service and Privacy Policy