A home warranty offers an extra measure of protection beyond what homeowner’s insurance can do for you. It helps offset the cost of repairing — and, in some cases, replacing — your appliances and major systems.
Read on for a thorough explanation of how home warranties work and our recommendations for the best home warranty companies in Mississippi for 2023.
Our Top Picks for Best Home Warranties in Mississippi
Table of Contents
Best Home Warranties in Mississippi Reviews
Guide to the Best Home Warranties in Mississippi
The Best Home Warranties in Mississippi FAQs
How We Chose the Best Home Warranties in Mississippi
Summary of Our Guide to the Best Home Warranties in Mississippi
Best Home Warranty Company Reviews
- Three plans to choose from
- Option to choose a systems plan, an appliance plan or a combo plan
- Wide range of add-on coverage options
- Live chat available on website
Liberty Home Guard offers three customizable plans to accommodate a wide range of customer needs — Systems Guard, Appliance Guard, and Total Home Guard — and stands out for its very long list of optional add-on coverages. These include some unusual home features like swamp coolers, reverse osmosis water filtration systems, and professional series kitchen and laundry appliances.
Liberty’s Systems Guard plan covers major concerns such as your HVAC system, plumbing system and electrical system. Similarly, its Appliance Guard plan covers the most common appliances in your home, including clothes washers, dryers, and built-in microwaves, plus less expensive items like garbage disposals, garage door openers and ceiling fans. Liberty Home Guard’s Total Home Guard plan gives homeowners the best of both worlds — coverage for both systems and appliances.
Liberty Home Guard offers relatively low premiums, but its standard service call fee, at $125, is among the highest that we’ve come across.
Plans and covered items:
- Appliance Guard: Clothes washer, clothes dryer, kitchen refrigerator, built-in microwave oven, dishwasher, garbage disposals, ranges, ovens, cooktops, ceiling and exhaust fans, garage door opener.
- Systems Guard: Air conditioning system, heating, ductwork, plumbing system, electrical system, water heater.
- Total Home Guard: All systems and appliances covered by the previous plans.
- Add-ons: Over 40 options, including generators, septic system pumping, second refrigerator, trash compactor, water filter system, pest control and carpet cleaning.
Pricing and Reputation
| Appliance Guard | Systems Guard | Total Home Guard | Service Call Fee (Deductible) | Ratings/Reputation |
| $49.99 | $54.99 | $59.99 | Normally $125 ($80 for a limited time) | BBB: A- Trustpilot: 3.4 Google: 4.7 |
- Multiple service fee (deductible) options
- Covers up to 23 systems and appliances
- Free hauling service for replacing systems/appliances
- Doesn’t exclude items that haven’t had proper maintenance
- Low heating and air conditioning coverage limits ($1,500)
American Home Shield was founded in 1971 and is one of the most established companies in the home warranty industry. The company offers three plans: Shield Silver, Shield Gold and Shield Platinum. The Shield Silver plan covers four major home systems: electrical, plumbing, heating, and air conditioning. Shield Gold adds coverage for kitchen and laundry appliances and up to $3,000 for repair and replacement of systems.
Shield Platinum covers everything in the company’s two lower-priced plans but adds coverage for roof leak repairs (up to $1,500), premium appliance coverage up to $6,000 (repair or replacement), up to $1,000 in coverage for correcting code violations or securing permits, free HVAC tuneups, and unlimited AC refrigerant replacement.
Plans and covered items:
- ShieldSilver: Air conditioners, heating units, ductwork, built-in exhaust, vents, attic fans, main breaker, fuse panel box, doorbells, chimes, interior electrical lines, ceiling fans, garage door openers, interior plumbing, toilet, faucets, valves, whirlpool tub motor and components, water heaters.
- ShieldGold: Everything covered by ShieldSilver, in addition to kitchen refrigerator, range, cooktop, oven, dishwasher, built-in microwave, garbage disposal, instant hot/cold water dispensers, clothes washer, clothes dryer.
- ShieldPlatinum: Everything covered by ShieldGold, in addition to roof leak repairs, free HVAC tune-up, unlimited A/C refrigerant, coverage for code violations and permits.
- Add-ons: Roof leak repair, electronics protection plan, pool, spa, guest unit, septic pump, well pump.
Pricing and Reputation
| Shield Silver | Shield Gold | Shield Platinum | Service Call Fee (Deductible) | Ratings/Reputation |
| $39.99 | $59.99 | $89.99 | Customer selects | BBB: B Trustpilot: 1.2 Google: Not rated |
- Offers individual plans for systems or appliances
- Low-cost combo plan
- Discounts for multiple-year plans
- Limited roof leak coverage available
- Fewer add-on coverage options than competitive plans
- Low coverage limits for appliances, electrical systems, and plumbing systems ($500)
- More exclusions than other plans
Select Home Warranty offers homeowners a choice of three plans. You can select an appliance plan, a systems plan, or a plan that includes both. Its appliances-only Bronze Care plan includes coverage for washers and dryers, refrigerators, stoves, built-in microwaves and garbage disposals. Its systems-only Gold Care plan covers HVAC, electrical and plumbing systems, as well as water heaters and ductwork.
Its Platinum Care plan is among the least expensive combo plans we’ve come across during our review process and includes limited roof leak coverage. But Select Home Warranty’s low costs may be offset by its low coverage limits on certain systems and appliances. For example, its coverage limit on appliances is $500. Especially in today’s inflationary times, you’d be hard-pressed to find a decent refrigerator for under $1,000.
Plans and covered items:
- Bronze Care: Garbage disposal, refrigerator, stove, oven, built-in microwave, cooktop, dishwasher, clothes washer, clothes dryer, roof coverage.
- Gold Care: A/C cooling, heating system, plumbing system, electrical system, water heater, ductwork, roof coverage.
- Platinum Care: A/C cooling, heating system, plumbing system, electrical system, water heater, ductwork, washer, garbage disposal, refrigerator, stove, oven, built-in microwave, cooktop, dishwasher, clothes washer, clothes dryer, garage door opener, ceiling fan, roof coverage.
- Add-ons: Central vacuum, lawn sprinkler system, pool, septic system, spa, stand alone freezer, sump pump, well pump.
Pricing and Reputation
| Bronze Care and Gold Care | Platinum Care | Service Call Fee (Deductible) | Ratings/Reputation |
| $44.42 | $47.75 | $75 | BBB: B- Trustpilot: 3.4 Google: 3.9 |
- Exceptional 180-day workmanship guarantee
- Choice of deductibles
- Deductibles are on the high side
Cinch Home Services offers three plans for homeowners to choose from: a systems-only plan, an appliances-only plan, and a complete home plan. Its appliance-only plan offers coverage for kitchen and laundry appliances. Its systems plan covers HVAC, electrical, and interior gas and plumbing systems. It’s complete home plan is very competitively priced and includes all items covered in its two lower-cost plans. The company offers a relatively narrow choice of add-on coverages, which include pools and spas, septic tanks, well pumps and repairs due to code violations. Cinch Home Services also offers the opportunity to customize your deductible though its service fees are generally high, starting at $100.
In addition, if you have to make a home insurance claim — sometimes home system failures result in damage to your home that’s covered by homeowner’s insurance — Cinch offers reimbursement of up to $500 towards your homeowner’s insurance deductible.
Plans and covered items:
- Appliances: Refrigerator, ranges, cooktops, range exhaust hoods, clothes dryer, clothes washer, dishwasher, built-in food centers, freestanding ice makers, built-in microwave, wall ovens, trash compactors.
- Built-in Systems: Air conditioning, ductwork, attic fans, ceiling fans, central vacuums, doorbells, electrical system, garage door opener, built-in exhaust, lighting fixtures, garbage disposal, heating system, instant cold and hot water dispensers, plumbing system, smoke detectors, sump pump, toilets, faucets and valves, whirlpool or jetted tub, water heater (including tankless water heaters and circulating pumps).
- Complete Home: All systems and appliances covered by the previous plans and homeowners insurance deductible reimbursement of up to $500.
- Add-ons: Pool and spa (including heater), septic tank, well pump.
Pricing and Reputation
| Appliance Plan | Systems Plan | Complete Home Plan | Service Call Fee (Deductible) | Ratings/Reputation |
| $39.99 | $44.99 | $54.99 | Customer selects | BBB: B Trustpilot: 3.1 Google: 2.5 |
- Two combination systems and appliances plans
- Wide range of add-on coverage choices
- Higher-priced plan includes coverage for two HVAC systems (ideal for duplexes)
- No option to purchase coverage for only appliances or only systems
First Premier offers customers a choice of two combination appliances and systems home warranty plans. Both are very reasonably priced. The company’s Premier plan includes coverage for 15 appliances and systems, but excludes HVAC systems. Surprisingly, the company’s Platinum plan covers two separate heating and air conditioning systems.That’s a feature we haven’t come across very many home warranty plans, and it may be just what you need if you own a duplex or a home that relies on more than one heating and cooling source.
First Premier’s service call remains relatively low at $75. The company fares well in its BBB and Google ratings: another reason why the company is worth considering as you investigate your home warranty options.
Plans and covered items:
- Premier plan: Plumbing system, plumbing stoppage, water heater, whirlpool tub, electrical system, oven/range/stove/cooktops, sump pump, built-in microwave, dishwasher, garbage disposal, trash compactor, ductwork, garage door opener, ceiling and exhaust fans
- Platinum plan: Everything in the premier plan plus A/C system (2 units), heating system (2 units), clothes washer and dryer, refrigerator.
- Add-ons: Pool/spa, limited roof leak, central vacuum, sump pump, well pump, septic system, septic pumping, second refrigerator, free-standing ice maker, additional AC and heating system, additional garage door opener, additional range/stove/cooktop, clothes washer, clothes dryer, sprinkler system
Pricing and Reputation
| Premier Plan | Platinum Plan | Service Call Fee (Deductible) | Ratings/Reputation |
| $39.99 | $47.99 | $75 | BBB: B Trustpilot: 2.6 Google: 4.0 |
- Moderately-priced combo coverage
- Washers and dryers included in both plans
- Coverage available for less common issues like gas leaks, smoke detectors and security system wiring
- Separate coverage not available for systems or appliances
- Some common systems excluded from basic coverage
The Home Service Club offers homeowners two combination coverage options. Whether the company’s plans will be worthwhile for you depends, in part, on how your home is equipped. The breadth of coverage offered by the company’s less expensive plan is better for appliances than systems. For example, washers and dryers are included in the company’s Standard plan, but duct work is excluded — a potential problem for homes with forced hot air heating and central air conditioning.
Home Service Club’s Comprehensive protection plan fills in many of the gaps in the Standard plan and also provides coverage for some unusual items, including pest control services, gas and water leaks, and telephone and security system wiring.
Plans and covered items:
- Standard: Air conditioning, heating, and electrical systems, water heater, ceiling fans, central vacuum, dishwasher, food center, garage door opener, garbage disposal, trash compactor, washer and dryer, refrigerator, stove/cooktop, built-in microwave.
- Comprehensive: Everything included inn the Standard plan, plus ductwork, plumbing stoppages, alarm wiring, gas leaks, hot water pump, pest control, pest control, smoke detectors, sump pump, hot water dispenser, whirlpool bath.
- Add-ons: Pool/spa equipment, additional refrigerator, jetted bathtubs, sewage ejector pump, refrigerator dual compressor, second freezer, water softener, well pump, additional dishwasher, additional water heater, additional range/oven/cooktop, additional microwave, plumbing sprinkler service line.
Pricing and Reputation
| Standard Plan | Comprehensive Plan | Service Call Fee (Deductible) | Ratings/Reputation |
| $44.99 | $55.38 | Customer selects | BBB: C Trustpilot: 2.6 Google: 4.7 |
- Includes GreenPlus option to offset the cost of replacing appliances with Energy Star-rated appliances
- Relatively low $75 service call fee
- Fewer options for add-on coverage
Home Warranty of America offers customers a choice of two plans — the Premier plan and the Premier Plus plan. Both combine coverage for many of the same appliances and systems, but the Premier plan excludes coverage for refrigerators, washers and dryers.
When you purchase the company’s higher-priced plan, you get what the company calls Premium Coverage. For example, while many home warranties include coverage for dishwashers, they don’t cover racks, baskets, rollers and door seals. The Premium Coverage from HWA covers these components.
Plans and covered items:
- Premier plan: Electrical, plumbing, and heating systems, water heater, duct work, permanent sump pump, doorbell, ceiling and exhaust fans, central vacuums, whirlpool tub, burglar and fire alarms systems, garbage disposal, refrigerator/ice maker, washer, dryer, dishwasher, built-in microwave, range/oven/cooktop, trash compactor, garage door system.
- Premier Plus plan: Everything included in the Premier plan, plus coverage for air conditioning systems, plus premium coverage for nine items covered under the Premier plan.
Pricing and Reputation
| Premier Plan | Premier Plus Plan | Service Call Fee (Deductible) | Ratings/Reputation |
| $46.04 | $57.92 | $75.00 | BBB: Not rated Trustpilot: 3.7 Google: Not rated |
Other companies we considered:
Choice Home Warranty
Choice Home Warranty is one of the best-known companies in the home warranty industry. It offers two plans, each of which covers a variety of home systems and appliances. But the company has been subject to several complaints. It has been sued multiple times by the states of Arizona (2019) and New Jersey (2015) for not honoring promises, and is the subject of a class-action lawsuit (2022) alleging misuse of robocalls.
Best Home Warranties in Mississippi Guide
What is a home warranty?
A home warranty is a service contract that covers the repair or replacement of certain appliances and systems in a home. These contracts are typically purchased by homeowners to protect against unexpected breakdowns and repairs.
What is the difference between a home warranty and home insurance?
Home insurance protects against unexpected events such as natural disasters, theft, and liability. A home warranty, on the other hand, covers the repair or replacement of certain appliances and systems in a home due to normal wear and tear.
What does a home warranty cover?
That depends on the plan you choose. Some companies allow customers to choose between separate coverage for appliances or home systems, while others only offer combination plans. Appliance plans typically cover common appliances like cooktops and refrigerators and may also cover ceiling fans, garbage disposals and central vacuums. Typical systems plans cover such items as heating and air conditioning, water heaters and ductwork. It’s important to study your coverage carefully as there is a lot of variation among plans.
Do home warranties protect brand-new systems and appliances?
Most do not cover items that are still under their manufacturer’s warranty. But if your appliance or system still has manufacturer warranty coverage, coverage under a home warranty would be redundant.
What voids a home warranty?
A home warranty can be voided for a number of reasons, including lack of proper maintenance and improper installation. Although most plans don’t require a home inspection for coverage, they still exclude pre-existing conditions.
How much does a home warranty cost?
The cost of a home warranty will vary depending on the company and plan you choose. A low-priced plan may not always be the best value, however, because it may come with higher service call fees and lower coverage limits. That’s why it’s important to understand all of the details of a plan before deciding whether it’s worth the price. We recommend you request a sample policy from a home warranty provider for any plan you’re considering.
Are home warranties worth it?
A home warranty can provide peace of mind and protect against unexpected repairs. Ironically, if you’re unlucky and have to make a lot of claims, your plan may turn out to be very valuable. Most home warranties do not limit the number of claims you can make, though they do place limits on the amount they will pay for any individual repair.
How to choose the best home warranty for you
When choosing a home warranty, it’s essential to research the different companies and plans available in Mississippi, compare pricing, and understand the coverage options included. That way you can find a plan that suits your property’s needs. If your home is modestly equipped or has all-new appliances or systems, some coverage included in standard plans may be just fluff to you.
It’s also important to read reviews from other customers and check the company’s rating with the Better Business Bureau (BBB) and other consumer rating organizations.
How do I cancel my home warranty?
Many home warranty companies allow you to cancel your plan without penalty within 30 days of purchase as long as you haven’t made any claims during that period. Some offer money-back guarantees under the same circumstances.
How to cancel a plan varies from company to company.
Some allow you to cancel online or by phone, while others require written notice.
Best Home Warranties in Mississippi FAQs
Who regulates home warranty companies in Mississippi?
In Mississippi, home warranty companies are regulated by the Mississippi Insurance Department. They are responsible for overseeing the operations of these companies and ensuring they are in compliance with state laws and regulations.
Is a home warranty required in Mississippi?
By law, home warranties are completely optional. They’re not required in Mississippi or any other state. But they can be a valuable addition to a homeowner’s protection plan.
How much is a home warranty?
There’s no simple answer to that question. Prices are all over the board. Not surprisingly, the less coverage a plan offers, the less expensive it will tend to be. So shop around and compare pricing, service call fees and breadth of coverage when selecting a plan.
Who pays for the home warranty, the buyer or the seller?
That depends. In the past, home warranties were typically purchased by the homeowner. But it’s increasingly common for home sellers to pay for a home warranty to “sweeten the deal” for homebuyers.
How We Chose the Best Home Warranties in Mississippi
In order to determine the best home warranty companies in Mississippi, we evaluated factors such as premiums, service call fees and coverage options. We also considered each company’s reputation in the industry and their ratings with consumer ratings organizations like Trustpilot and the Better Business Bureau (BBB). Additionally, we looked at the availability of multiple plans and add-on coverage options. We favored those companies that gave homeowners lots of choices.
Summary of Our Guide to Best Home Warranties in Mississippi
Here are the key takeaways from our guide to the best home warranties in Mississippi:
- A home warranty is an optional service contract that offers coverage for the repair or replacement of certain appliances and systems in a home.
- Home warranty companies are regulated by the Mississippi Insurance Department. They are not a legal requirement in Mississippi.
- The cost of a home warranty will vary depending on the company and plan you choose. Higher prices are usually associated with more coverage, but not always. That’s why it’s important to shop around and compare pricing and coverage options.
- A home warranty can provide peace of mind and protect against unexpected repairs, but it isn’t a substitute for homeowners’ insurance.
- It’s important to read the fine print and understand the terms of the home warranty contract before signing. Request a sample policy for any plan you’re considering and read it very carefully.
- A home warranty is not a substitute for regular maintenance and upkeep of your appliances and systems.
Susan Doktor, senior writer at Money.com, is a journalist, business strategist, and veteran homeowner. She writes on a wide range of personal finance topics, including mortgages, real estate, and home improvement. Follow her on Twitter @branddoktor.
