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. Home systems and appliances in South Dakota can be challenging to repair and maintain. That’s why having a home warranty that covers plumbing components, HVAC systems, and other household appliances is advisable.

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Our Top Pick
Best for Customization
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$200 Off + 2 Months free + Free Roof Leak Coverage
Best Customer Ratings
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Best Claims Acceptance
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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 Us?

Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.

76

Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.

152

We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.

6

Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.


Home Warranty Companies in South Dakota

The list below shows the best home warranty companies in South Dakota. We suggest getting quotes from multiple providers to find your best fit:

Liberty Home Guard: Best For Customization

Compare the Best Home Warranty Companies in South Dakota

The table below outlines data for the best home warranty companies on the market. We constantly update these ratings as companies change their policies and prices to give you the most accurate information possible. Continue reading in-depth reviews of several top providers.

CompanyRatingMonthly CostService FeeResponse TimeBBB RatingLink

$50-$60

$75

12-48 hrs.

NR

VISIT SITE
AHS Logo

$35–$75

$100–$125

24-72 hrs

B

VISIT SITE

$44.99-$58.99

$70

48 hours

A+

VISIT SITE
choice home warranty logo

$46–$55

$85

24-48 hrs.

B

VISIT SITE
select home warranty logo

$52–$58

$60

24-48 hrs.

B

VISIT SITE
AFC Home Warranty logo

$38–$62

$75–$125

48 hours

B

VISIT SITE
first american logo

$38–$48

$75–$125

48 hours

B

VISIT SITE

$17–$60+

$65–$100

2–24 hrs

A-

VISIT SITE

$28–$68

$100–$150

2–24 hrs

B

VISIT SITE

*Quote and cost data gathered January 2023. Cost data are updated and monitored continuously.


How to Choose the Best Home Warranty in South Dakota

Now that we have narrowed your list of potential home warranty policies down to the top four, 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.

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 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.

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.


How Much Does a Home Warranty in South Dakota Cost?

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 homes 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. In a bid to get a budget-friendly home warranty company, be sure to look out for home warranty companies with bad services so you don’t fall victim.

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 Cost Calculator

Our home warranty cost calculator helps South Dakota residents estimate the yearly cost of a new home warranty plan. All you have to do is type in your monthly premium, service fee, and estimated number of service visits, and the tool will provide a full annual cost of a home warranty.

Appliance Average Repair Cost Average Replacement Cost
Dehumidifier $50–$200 $1,300–$2,800
Microwave $50–$400 $60–$2,000
Dishwasher $50–$500 $400–$3,000
Exhaust Fans $16–$300 $250–$950
Electric Range $100–$500 $230–$3,000
Gas Range $100–$500 $230–$3,000
Dryer $100–$400 $450–$2,300
Oven $100–$430 $400–$3,000
Washer $50–$450 $400–$2,300
Freezer $90–$500 $160–$2,900
Refrigerator $40–$350 $200–$5,000

How Are Home Warranties Regulated in South Dakota?

Many states across the nation outline specific rules and regulations surrounding home warranties. These regulations can vary drastically from one state to the next, but many states have them. However, after sifting through South Dakota laws and statutes, we didn’t come across specific regulations pertaining to home warranties. 

While there aren’t clear specifications surrounding home warranty regulations in South Dakota, various industry organizations offer a semblance of regulation. The National Home Service Contract Association (NHSCA), for example, consists of various member companies that abide by a specific code of ethics on consumer protection. This particular association accepts complaints from homeowners surrounding member companies. 

Additionally, homeowners can contact South Dakota’s Division of Insurance with complaints. Simply fill out a complaint form detailing the issues you’re experiencing with your home warranty company, and the state will get back to you.


Our Reviews of the Best South Dakota Home Warranty Companies

Best for Customization

Liberty Home Guard

4.6

Our Rating

Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage

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.

  • Our Take: Most Trustworthy
  • Average Annual Cost: [$649] – [$749]
  • Response Time: Within 24 hours
BBB rating of an A after a short time in the industry
Easy-to-use customer claim portal
An extensive list of add-on coverages
No plan customization
Has only been on the market for a few years

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:

  • Appliance Guard ($64.99 per month): The Appliance Guard plan from Liberty Home Guard has coverage for 11 major appliances, including garage door opener, ceiling fans, cooktop exhaust fan, oven, refrigerator, garbage disposal, dishwasher, microwave, clothes washer, clothes dryer, and refrigerator ice-maker.
  • Systems Guard ($69.99 per month): The Systems Guard plan is a systems-only option with nine systems. These systems are the electrical system, air conditioner, bath exhaust fan, heating system, toilet, ductwork, plumbing and plumbing stoppages, and water heater.
  • Total Home Guard ($74.99 per month): The Total Home Guard is the best value from LHG. Total Home Guard has more than 20 covered systems and appliances. The Total Home Guard is a combination of the Systems Guard and Appliance Guard, and it tends to be the most popular choice for South Dakota residents.

Liberty Home Guard has one of the most extensive lists of add-on coverages in the industry; these will include:

  • Pool and spa
  • Additional spa (Billed as an extra to the pool system)
  • Saltwater pool
  • Gutter cleaning
  • Floor/carpet cleaning
  • Sump pump
  • Fixtures
  • Water softener
  • Trash compactor
  • Lawn sprinkler system (all mechanical parts)
  • 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
Best Coverage Limits

American Home Shield

4.3

Our Rating

Limited Time:
40% Off Our Most Popular Plan

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.

  • Our Take: Best Customizable Plans
  • Average Annual Cost: [$479] – [$779]
  • Response Time: Up to 48 hours
50 years of industry experience
Low chance of claim denial
24/7 online support for your home warranty plan
Cancellation fees if canceled after the first 30 days
Pricing for some plans is considerably higher

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:

  • ShieldSilver™ ($39.99 per month): The ShieldSilver plan covers 14 home systems, including air conditioning, electrical system, smoke alarms, water heater, central vacuums, doorbells, garage door opener, heating system, garbage disposals, ceiling fans, instant hot/cold water dispenser plumbing, and ductwork. Even though this is a systems-only plan, there is some excellent coverage for the lower monthly premium.
  • ShieldGold™ ($49.99 per month): ShieldGold is the combo plan covering both systems and appliances. There are 23 home systems and appliances on this plan. The ShieldGold plan has additional coverages, including a clothes washer, dishwasher, clothes dryer, microwave, oven, and refrigerator.
  • ShieldPlatinum™ ($64.99 per month): The ShieldPlatinum plan includes 27 systems and appliances. Pricing for ShieldPlatinum is slightly higher, but it is one of the more premium home warranty plan choices in the state of South Dakota. The ShieldPlatinum has higher coverage caps and impressive overall features, making it a very popular choice in SD.

American Home Shield also offers several add-on coverages for homeowners to consider.

  • Septic system (first-year customers only, nonrenewable)
  • Pool
  • Spa
  • PC
  • TV (includes home theater system)
  • Well pump coverage
Best Claims Acceptance

Choice Home Warranty

4.3

Our Rating

Limited Time:
$50 Off + 1 month free!

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.

Key Highlights
  • Our Take: Best Overall
  • Average Annual Cost: [$550] – [$650]
  • Response Time: Up to 48 hours
Impressive customer service
Comprehensive plan options that cover both systems and appliances
90-Day Repair Guarantee
No Customization of plan
30-Day waiting period to start

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:

  • Basic Plan ($42 per month): The Basic Plan from Choice Home Warranty covers 13 items, including plumbing system, ceiling fans, garbage disposal, heating system, cooktop exhaust fans, microwave, dishwasher, ductwork, electrical system, garage door opener, oven, toilet, and water heater.
  • Total Plan ($53.33 per month): The Total Plan is the more comprehensive plan and covers all 13 items in the Basic Plan, plus an additional four items. The Total Plan includes the clothes washer, dryer, refrigerator, and air conditioner coverage. With the Total Plan, you only pay a few dollars more per month, but you get excellent coverage.

Choice Home Warranty has several add-on coverages that you can add to either of its plans.

  • Roof leak coverage (single-family homes only)
  • Central Vacuum
  • Septic Tank
  • Well Pump
  • Pool
  • Spa (Can be combined with pool coverage if the equipment is shared)
  • Sump Pump (must be permanently installed)
  • Stand Alone Freezer
Best Value

Select Home Warranty

4.2

Our Rating

Limited Time:
$150 Off (Code HOUSE25)

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.

  • Our Take: Most Cost-Effective
  • Average Annual Cost: [$579] – [$650]
  • Response Time: Up to 48 hours
High workmanship quality
Free roof coverage
Good selection of appliance plan, systems plan, and combo plan
Must file a claim within three days
Coverage caps can be lower

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:

  • Bronze Care ($52 per month): The Bronze Care plan is an appliance-only home warranty plan. This plan covers seven major appliances, including a refrigerator, built-in microwave, clothes washer and dryer, oven, garbage disposal, and cooktop. For those on a strict budget, the Bronze Care can be a good choice, but there are quite a few exclusions.
  • Gold Care ($52 per month): The Gold Care plan is a system-only plan from Select Home Warranty. There is coverage for six systems; plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork.
  • Platinum Care ($58 per month): The Platinum Care plan will include all of the appliances under the Bronze Care plan and all of the systems under the Gold Care Plan. This plan is just $6 more per month, but the total amount of coverage for both home appliances and major systems is nearly doubled.

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.

  • Central vacuums (Does not include clogged pipes)
  • Lawn sprinkler systems
  • Pools (Can combine with spa coverage if the equipment is shared)
  • Spas
  • Stand-alone freezers
  • Sump pump (must be within the foundation of the home)
  • Well pump
Best for Preventative Maintenance

Cinch Home Services

4.1

Our Rating

Limited Time:
2 Months Free On All Plans

Prompt response times, comprehensive warranty packages, and 24/7 customer support make Cinch Home Services a top choice for South Dakota homeowners. Slow response times from your home warranty company after an appliance or system breaks down, are frustrating. While some breakdowns are minor inconveniences, like a malfunctioning microwave, others are more significant, like an air conditioner that breaks during the hottest parts of summer. 

With Cinch Home Services, customers don’t need to worry about waiting hours or days for a response. The provider offers 24/7 customer support to ensure policyholders have the help they need when they need it. In addition to its prompt response times, Cinch Home Warranty offers an impressive 180-day workmanship warranty that far exceeds the 30-day industry standard.

  • Our Take: Best Response Times
  • Average Annual Cost: $336 to $816 
  • Response Time: 2 to 24 hours
Fast response times
180-day workmanship guarantee
24/7/365 customer support
High service call fees ($100 to $150)
Poor customer ratings

Cinch Home Services gives South Dakota homeowners three policy options: the Complete Home Plan, the Built-in Systems Plan, and the Appliances Plan. The first encompasses all systems and appliances, while the others cover one or the other.

  • Complete Home Plan (Starting at $50 per month): This policy offers the most well-rounded coverage of the three. It covers most major home systems and appliances, including all those covered in other plans. Coverage includes laundry appliances, kitchen appliances, HVAC, electrical, plumbing and more.
  • Built-in Systems Plan (Starting at $40 per month): This plan extends to various home systems, including HVAC, electrical, interior gas, and plumbing. Air conditioners, garbage disposals, ductwork, and smoke detectors are a few things that fall under this coverage scope.
  • Appliances Plan (Starting at $35 per month): This policy covers most kitchen and laundry appliances, including your clothes dryer, clothes washer, cooktop, refrigerator, oven, and microwave.

Cinch Home Services offers a limited range of add-ons, giving customers the option to incorporate additional coverage to accommodate their needs. Add-ons are available at an additional cost:

  • Pool, heater included
  • Spa, heater included
  • Pool and spa combination, heater included
  • Septic tank and pumping
  • Well pump
  • Premier Upgrade Package, including code upgrades, permits, and removal and disposal costs

Home Warranties in South Dakota Cities


What Is a South Dakota Home Warranty?

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 refrigerators, electrical systems, 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.

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-ons 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:

  • Cosmetic issues
  • Preexisting conditions
  • Natural disasters
  • Lack of maintenance and upkeep
  • Intentional breakage
  • Misuse of a system or appliance

How Does a Home Warranty in South Dakota Work?

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.

  1. Find a home warranty plan that meets the needs of your South Dakota home while also keeping your budget in mind
  2. Wait 10-30 days before the home warranty goes into full effect
  3. If you experience an issue with a home system or appliance, check your policy documents or the online portal system to see if it will be covered as part of your home warranty plan
  4. Submit a claim with your home warranty provider, typically through the online portal system or by calling the number on your policy documents
  5. Pay the service call fee, and the technician or contractor will come to your home to complete your repair
  6. Once the issue is inspected, options for repair or replacement will be presented to homeowners; if the appliance or system can’t be repaired, the home warranty plan may offer replacement costs
  7. Repair should happen within 24-72 hours; the only thing that typically delays a repair is wait times on parts
  8. If a repair fails, a home warranty workmanship guarantee should help cover the additional service fee

Home Warranty vs. Homeowners Insurance

Homeowners’ insurance and home warranties are two different things. The homeowner’s insurance policy is designed to help homeowners who 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.


Common Home Issues 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.

  • Electrical Systems: The electrical system in the home is responsible for keeping all systems and appliances running. When the electrical systems malfunction, 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 of an HVAC could cost hundreds of dollars. However, with a home warranty in place, the price will just be your service fee.

Biggest Complaints about Home Warranty Companies in South Dakota

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.

  • Claim Denial: a home warranty claim can get denied for a number of reasons. Keeping really good maintenance records and ensuring that you are always using the appliances and systems in your home as they are intended to be used will certainly help keep you happier with your home warranty plan.
  • Failed Repair: with a home warranty, there will sometimes be failed repairs. These repairs are unfortunate as they often require an additional appointment with a service provider. When it comes to failed repairs, make sure that you choose a home warranty plan with an extensive workmanship guarantee.
  • Out-of-Pocket Expenses: sometimes, a home warranty replacement is necessary. These can cause homeowners to come out of pocket even when having this home warranty in place. If you want to avoid large out-of-pocket expenses, try to ensure that you choose a plan with a high coverage cap.
Best Coverage Limits
AHS Logo
VISIT SITE
Limited Time:
40% Off Our Most Popular Plan
Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Customer Ratings
VISIT SITE
Limited Time:
$150 Off + 1 Month Free
Best Claims Acceptance
choice home warranty logo
VISIT SITE
Limited Time:
$50 Off + 1 month free!

FAQs About South Dakota Home Warranties

How much does a home warranty cost in South Dakota?

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.


What is a service fee?

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.


What is the best home warranty company in South Dakota?

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.


Is a home warranty worth it?

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.



Today's Homeowner Home Warranty Ranking Methodology

At Today’s Homeowner, we strive to bring you the most transparent, accurate information for your home improvement projects. Our home warranty company ratings emphasize what matters most to you — whether you’re looking for low-cost coverage, a hassle-free repair process, 24/7 assistance, or all of the above.

Our ratings are based on publicly available information about each company, secret shopping online and over the phone, customer-review analysis, and discussions with real estate professionals and repair contractors.

A company can earn a maximum of 100 points across six categories converted to a five-star scale. We researched more than 60 home warranty providers to develop the following formula:

  • Plans and Coverage (24 points): A home warranty provider can earn the maximum point value in this category if it offers multiple robust plans that cover all basic systems and appliances and optional add-on coverage. We give bonus points to companies that cover uncommon items, such as electronics and roof leaks.
  • Affordability (22.5 points): When evaluating costs, we not only consider monthly plan prices, but we also take into account the cost of add-on coverage, service fees, and whether companies offer free cancellation periods or money-back guarantees. If a provider allows potential customers to view sample contracts before getting a quote, that transparency earns more points in this category.
  • Customer Experience (18.5 points): A home warranty company must give its customers ample support when they experience issues. We gauge overall support by looking at customer reviews and conducting homeowner surveys. We also go through the quote process with each company and take meticulous notes about the friendliness of salespeople, how detailed each quote is, and how often the provider contacts us after giving a quote. 
  • Company Reputation (17.5 points): In this category, we look at a combination of customer reviews and reputable organizations such as the Better Business Bureau (BBB). We also consider the years of company experience, how satisfied its employees are, and whether it has been hit with any consumer rights violations or lawsuits. 
  • Claims Process (12.5 points): We score providers highly when they offer short response times, multiple ways to file claims, and around-the-clock availability. Companies can earn bonus points if they have a good reputation for quick and easy claims processing.
  • Availability (5 points): Providers that serve more areas can have experience dealing with a wider range of homeowner headaches. A company earns the maximum points in this category if it offers services in most U.S. states.

We monitor company data on an ongoing basis to keep rankings and information up to date.

Editorial Contributors
avatar for Britt Olizarowicz

Britt Olizarowicz

Britt Olizarowicz is a former real estate agent and landscaping business owner. She has a wide range of experience across several industries and was also a professional golfer. With her experience in investing, renovating, and improving properties Britt loves to share in all of the latest and greatest technologies, systems, and strategies to keep your home and garden looking great.

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photo of Roxanne Downer

Roxanne Downer

Editor

Roxanne Downer is a commerce editor at Today’s Homeowner, where she tackles everything from foundation repair to solar panel installation. She brings more than 15 years of writing and editing experience to bear in her meticulous approach to ensuring accurate, up-to-date, and engaging content. She’s previously edited for outlets including MSN, Architectural Digest, and Better Homes & Gardens. An alumna of the University of Pennsylvania, Roxanne is now an Oklahoma homeowner, DIY enthusiast, and the proud parent of a playful pug.

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