Best Home Warranty Companies in South Dakota (2021)

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.

In our guide featuring the best home warranties in South Dakota, we will explain:

• How to choose the best home warranty 
• Why do South Dakota homeowners need a home warranty 
• What the best companies in South Dakota are for home warranties

A home warranty is a policy that will help cover the costs of a repair on any of your covered systems or appliances. If you lost your electrical system or have a problem with your HVAC, you simply report the issue to the home warranty company, and they handle the rest. Deciding on the best home warranty company in South Dakota can be a challenge. There are quite a few great options on the market, and they all claim to be the best. If you are frustrated with narrowing down which of these plans is for you, keep reading, and we can help. 

South Dakota Top 5 Home Warranty Companies

With dozens of companies to choose from in South Dakota, it is difficult to start the process of narrowing down which is the best. When we compared these policies, we looked at the customer service, overall pricing, service fees, coverage limits, plan choices, BBB rating, and more. Here is how the top five plans in South Dakota ranked. 

1. Choice Home Warranty: Best Overall 
2. American Home Shield: Best Customizable Plans 
3. Select Home Warranty: Most Cost-Effective Plans 
4. Liberty Home Guard: Most Trustworthy
5. First American Home Warranty: Best for Appliances

1. Choice Home Warranty

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 they 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 the Choice Home Warranty. 

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 is 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 add ons to the Choice Home Warranty plan include: 

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

The Choice Home Warranty has a service fee of $85. A service fee of $85 is considered to be average as most of these fees will range in price from $60 to $150. 

As you go through our list of the best home warranties in South Dakota you will notice that there are quite a few great options to choose from. However, Choice Home Warranty makes things so simple and affordable that they quickly moved to the top of our list.

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.

2. American Home Shield

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. 

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. 

Some of the add on coverage that you can get with the American Home Shield warranty include:

• Electronic extended warranty
• Pool and spas
• Well pump
• Septic pump
• Guest unit
• PC and TV

The American Home Shield service fees will cost anywhere from $75 to $150. The policies that have the lower monthly payment will have the higher service fee. Having the ability to customize your fees in addition to your coverage is an excellent benefit of the American Home Shield plan. 

If you are serious about your home warranty coverage and want a company that will bring you premium repair quality, the American Home Shield is a great option to consider. With fifty years in the industry, they know exactly what issues will come up at any given time.

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.

3. Select Home Warranty

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. 

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 add ons or options coverages from Select Home Warranty are:

• Pool
• Spa
• Septic system

• Well pump
• Sump pump
• Lawn sprinkler system

• Roof leaks
• Central vacuum
• Stand-alone freezer

The service fee of a Select Home Warranty policy is $60. This is one of the lowest fees associated with a South Dakota home warranty. Overall the combination of fees and payments on this home warranty plan is going to be quite fair. 

If you are on a budget and need to ensure that your home warranty is both affordable and effective, the Select Home Warranty is the perfect plan to consider.

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.

4. Liberty Home Guard

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 great 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. 

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. 

The add on coverage from Liberty Home Guard is quite extensive and includes things like:

• Pool and spa
• Additional spa
• Saltwater pool
• Gutter cleaning
• Floor/carpet cleaning
• Sump pump
• Fixtures
• Water softener
• Trash compactor
• Lawn sprinkler system
• Electronics protection
• Swamp cooler
• Ejector pump
• Septic system pumping
• Limited roof leak
• Pest control
• Locksmith
• Free-standing ice maker
• Central vacuum
• Stand-alone freezer
• Re-key
• Second refrigerator
• Wine refrigerator
• Well pump
• TV and PC
• Generator
• Water dispenser 

The service fee for Liberty Home Guard policies is just $60. This is one of the lowest service fee choices on the market. The overall pricing of the Liberty Home Guard plan is a bit high, but this service fee helps make the plan more affordable. 

The Liberty Home Guard is a newer policy on the market; however, in the short time that it has been available, the Liberty Home Guard plan has offered some of the best customer service and reliability on the market. Don’t be afraid to give a newer company a chance.

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.

5. First American Home Warranty

First American Home Warranty is the best home warranty for appliance coverage in South Dakota. With how often appliances are used, they typically have issues with breaking down and needing repair. First American home warranty has been in the industry for more than 37 years and has put together a perfect policy for appliance coverage for homeowners. The First American home warranty is known for being both affordable and trustworthy. Maintaining a B+ rating with the BBB after all these years in the industry is quite impressive. 

The appliance coverage policy is one option from First American Home Warranty; however, there is a Premier Plan. The Premier Plan is a more comprehensive choice with both appliance and system coverage. If you want to add central air conditioning to your First American plan, there are optional coverage choices that can be included. 

The optional coverage choices from First American Home Warranty include:

• Central air conditioning (electric)
• Additional refrigeration
• Pool/Spa equipment
• Well pump
• Septic/septic tank pumping
• First Class Upgrade (Fees associated with the use of lifting equipment, Up to $250 per local building permits, Haul away services, Appliances, and systems that have been insufficiently installed or modified)

The First American Home Warranty has a service fee of $85. This is considered to be about average and will match the pricing offered by Choice Home Warranty. 

Having spent 37 years in the home warranty industry, South Dakota homeowners can feel confident about the value offered in this home warranty plan. For the quality of service and fair pricing, First American Home Warranty is a great option to consider.

To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. 

To find out more, read our First American Home Warranty review.

South Dakota Home Warranty Buying Guide

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 side by side 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. 

• Coverage Caps: The coverage cap is the amount a home warranty company will payout for any individual system or appliance repair. Some coverage caps will be as high as $3000, and others will be around $500. If you have high-end appliances, choose a higher coverage limit or cap. 
• Optional Coverages: Optional coverages in a plan include things like swimming pools and spas. If your home has many unique features not covered under a typical policy, these optional coverages are essential to consider. 
• Service Fees: Every home warranty plan has service fees associated with it. The service fees on the South Dakota home warranty will range in price from around $60 to $150. Ensure that you choose something that fits within your budget. 

Top Home Maintenance Problems in South Dakota

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. Let’s look at how having a home warranty plan can help fix these top maintenance problems. 

• Electrical Systems: The electrical system in the home is responsible for keeping all systems and appliances running. When the electrical systems malfunctions, it could be caused by several reasons. Electricians will charge a fee just to come to the home and determine the issue. With a home warranty in place, you will only be responsible for the service fee. 
• Plumbing Systems: Plumbing systems can experience period blockages. These blockages can cause quite a mess in your South Dakota home. Luckily a home warranty with plumbing coverage will typically cover the blockages, stoppages, and other plumbing system issues that could come up.  
• HVAC Systems: Having an HVAC system during the South Dakota summers is a critical feature in a home. However, the issue with this system is that it is expensive to repair. One small part for an HVAC could be hundreds of dollars. However, with a home warranty in place, the price will just be your service fee. 

Our Conclusion

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. The 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. 

House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology.

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. Additionally, transparency and trust are our most important values for the reader.

That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. 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 make sure no detail was left out.

To make the most of our research, we developed a formula to objectively determine the best home warranty companies 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 fees and service fees in comparison 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 were able to judge 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 sets them apart from the competition.

How do we keep our data up to date?

We want to make sure we’re providing you, the consumer, with the most current data available for every home warranty company we’ve researched and rated. That takes significant effort but we feel that’s vital to providing you thorough and trustworthy reviews.

With that in mind, we have dedicated staff members who regularly update our database of home warranty research.

For those that want to enjoy their years of being a veteran and come home to a house that is comfortable and functioning, a home warranty makes a lot of sense. For the price that a home warranty is offered, you will quickly learn that it is indeed a good value. At an average of around $40 per month, your policy will cost you just under $500 per year.

If you have ever had an appliance or a home system that needs repair, you probably understand quite well that you will quickly reach that $500 mark to get your home back up and running. Take your time to carefully consider your home warranty options, check around for veteran discounts and then give yourself the peace of mind that you deserve.