Best Home Warranty Companies in Arkansas (2024)

• Provider Review:  Liberty Home Guard review
• Provider Sample Contract: Liberty Home Guard sample contract
• State Availability: 50
• Monthly Cost: $49–$59

Liberty Home Guard (LHG) offers solid home protection and stellar customer 24/7 service. It holds high ratings on consumer review sites such as Best Company, Google Reviews, and Trustpilot. LHG also provides an extensive suite of add-on coverage options for those who need customizable coverage.

Liberty Home Guard earned 4.5 out of 5 stars in our rating system. Along with offering accessible and helpful customer support, the company provides three plans tailored to specific coverage needs. Plans include 38 add-on options, such as carpet cleaning, pest control, and water softeners. You should consider LHG if you need coverage beyond major home systems and appliances.

Liberty Home Guard offers three plans: Appliance Guard, System Guard, and Total Home Guard. It covers nine appliances under the Appliance Guard, six systems under the Systems Guard, and all 15 items under the Total Home Guard. LHG pairs a $2,000 coverage cap per covered system, appliance, and add-on.

Homeowners pay a $65–$125 service call fee per claim. When we spoke with a LHG representative, she said fees vary based on your chosen plan, location, and add-on coverage. The company includes a 60-day workmanship guarantee, double the 30-day industry standard.

You can choose between monthly and annual premiums for its service. Annual premiums cost between $499 and $599. If you choose an annual option, you also receive two months of coverage at no charge.

Here’s an overview of Liberty Home Guard plans:

• Appliance Guard: The appliance-only plan includes clothes washers, dishwashers, ranges, and other major appliances. 
• Systems Guard: This plan protects built-in systems, such as cooling, heating, and ductwork. 
• Total Home Guard: This plan offers comprehensive protections by combining the coverage of the Appliance Guard and Systems Guard plans.
• Optional add-ons: LHG offers 38 options, including central vacuums, rekeying service, gutter cleaning, pest control, and plumbing fixtures.

Below is a breakdown of LHG plan pricing:

LHG offers a seamless quote process over the phone or with its online quote tool. We tested the online tool to get a sample quote during our secret shopping process. We entered our name, phone number, address, home type, and size. We then customized our quote by selecting different plans and premium options. Note that the online tool requires you to enter both an email address and phone number.

LHG maintains a network of trusted technicians but lets you choose your own option if their technicians don’t cover your area.

Many LGH customers praised the company’s supportive customer team and easy claims process. Some customers noted disappointment in a lower-than-expected payout.

• Provider Review: American Home Shield Review
• Provider Sample Contract: American Home Shield sample contract directory
• State Availability: 48 (excluding Alaska and Hawaii)
• Monthly Cost: $49–$109

American Home Shield (AHS) has comprehensive coverage plans with flexible service call fees and generous coverage limits. AHS also offers liberal coverage with unique item conditions, such as unknown preexisting condition coverage, something other providers typically exclude. 

We rated American Home Shield 4.4 out of 5 stars in our review standards. Homeowners can choose from three comprehensive coverage plans and two service fees to find ideal coverage. AHS includes coverage for rust, sediment, and corrosion damage. Homeowners with older systems and appliances should consider AHS for a provider. 

American Home Shield has three plans: ShieldPlatinum, ShieldGold, and ShieldSilver. Its ShieldPlatinum plan offers the most comprehensive protection and includes 23 systems and appliances, such as plumbing and electrical systems, refrigerators, and dishwashers. This plan also includes coverage for rekey services, an HVAC tune-up, and air filter discounts.

Additionally, AHS offers add-on coverage for pools, spas, septic pumps and well pumps. Additionally, it offers an electronics extended warranty and coverage on guest units that are under 750 square feet, which you’re unlikely to find with other home warranty companies.

When we pulled a sample quote, we had options for a service call fee of $100 or $125. AHS includes a 30-day workmanship guarantee with its plans, which is lower than some other providers.

Here’s an overview of American Home Shield coverage:

• ShieldSilv: The lowest plan includes home systems, such as heating, cooling, and electrical. 
• ShieldGold: The next tier includes ShieldSilver protection and adds appliance coverage. 
• ShieldPlatinum: The highest plan includes ShieldGold items, plus added benefits, such as covered code violations. 
• Optional add-ons: Add-on coverage includes electronics, pools/spas, guest units, septic pumps, and well pumps. 

See the table below for more details on AHS plan pricing:

Our team pulled quotes with an AHS representative and on the company website. To use the AHS quote tool, enter your email address, home address, and ZIP code. After receiving your quote, you can adjust the service fees and coverage plans to find the right options.

AHS completes uses its own preapproved technicians for its service calls. One of our team members used his AHS plan to fix a leaky bathroom pipe. He called in to start the claims process and receive a service appointment for the next day. The technician resolved the leaks and only charged him for the service call fee.

Based on online reviews, we learned that customers appreciated the swift claims process but found that the reimbursement payouts were too low.

We recommend Elite Home Warranty for homeowners who want flexible premiums and coverage. The company offers three base plans with a standard $70 service call fee (a lower service call fee than many providers) and 27 add-on options.

Monthly cost: $44–$58

We rated Elite Home Warranty 4.6 out of 5 stars in our review standards. We awarded high scores for its coverage and add-on variety. We deducted points for only offering one service call fee and limited online options. Here’s how Elite rated in key categories:

• Coverage (4.6 out of 5): Elite scored high for its three customizable coverage plans and extensive add-on catalog. 

• Value (4.25 out of 5): We deducted points because the company only offers one service call fee and charges a higher fee for high-end appliances.  

• Trustworthiness and transparency (4.8 out of 5): Elite scored well for its excellent customer review scores on the Better Business Bureau (BBB) and other third-party sites. 
• Availability and service (4.5 out of 5): Elite lost points for its limited online services. Unlike other providers, it doesn’t offer an online quote tool.

When reading through the Elite Home Warranty sample contract, we learned that the company offers a $15,000 annual limit for all plans. This breaks down to a $7,000 claim limit for appliances and $8,000 for systems, which is a higher limit than many providers. However, claim limits vary among coverage items. For example, air conditioners receive up to $4,000 while electrical systems are capped at $2,000.

We recommend reading through the sample contract or getting a quote for full details on coverage caps. 

Below are the details of Elite’s coverage plans:

• Elite Appliances: The appliance-only plan covers eight essential appliances, including cooktops, clothes washers, and dishwashers. Coverage caps vary by appliance but are subject to a $7,000 term limit. 
• Elite Systems: This system-only plan covers eight home systems, such as air conditioning, heating, and electrical systems. This plan has an $8,000 annual limit, though coverage caps vary by system.  
• Elite Complete: The highest plan tier combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection. 

Based on our sample quotes, Elite Home Warranty charges a monthly premium of about $44–$58. The company has a standard service call fee of $70. It charges $150 for high-end appliance repairs and service calls that occur after hours or on the weekend.

More details on Elite’s plans and pricing can be found in the table below:

Elite offers 27 add-on options, one of the largest catalogs we’ve seen from a home warranty company. Based on our research, most providers offer eight to 15 add-ons. Elite’s add-on coverage limits vary by item. There is a $5,000 total limit per term. 

We’ve highlighted some of Elite’s most attractive add-on options below. View the full list on Elite’s website:

• Annual maintenance
• Drainage, sewer, and water service lines
• Pool and spa equipment
• Geothermal heating and cooling systems
• Guest house
• Septic system

One of our team members tested the Elite Home Warranty claim process to repair his broken high-end dishwasher. Here’s a summary of his experience:

• He submitted his claim online and received an Elite claims specialist call within 30 minutes. 
• He received a next-day appointment for his repair. 
• The technician arrived on the assigned day but realized the repair would require out-of-stock parts. 
• After an initial service visit on Tuesday evening, the technician returned with the required parts the following Monday morning.
• The technician completed the repairs within an hour.

Elite sends in-network technicians to complete its repairs. It backs its coverage with a 90-day workmanship guarantee. If you choose your own repair technician, Elite will pay them for labor at an hourly rate not to exceed the standard hourly rate in your area. You won’t receive any workmanship coverage from Elite if you choose your own technician. However, the local technician should provide their own workmanship guarantee, likely around 30 days.

• Provider Review: Select Home Warranty Review
• Provider Sample Contract: Select Home Warranty sample contract
• State Availability: 47 (excluding Nevada, Wisconsin, and Washington)
• Monthly Cost: $44–$47

Select Home Warranty offers valuable home protection plans to Arkansas homeowners. Unlike other home warranty providers, Select Home Warranty covers mobile homes, condos, and rental properties. Select Home Warranty is one of the best options if you’re looking for a money-saving plan.

Select Home Warranty received 4.3 out of 5 stars in this review. Select Home Warranty offers some of Arkansas’ most affordable home warranty plans. The company provides warranty plans with premiums under $50 per month and service fees below $80. The company also includes $400 of roof-leak repair coverage with every plan. This is an excellent benefit since most companies charge extra for roof protection. Select makes a great option for homeowners seeking basic protection for minimum costs.

Though the company has less years of industry experience than its competitors, it offers budget-friendly and comprehensive coverage. It has three plans: Bronze Care, Gold Care, and Platinum Care. Gold Care covers essential home systems such as air conditioning and plumbing, Bronze Care covers appliances, and Platinum Care covers both.

Select Home Warranty also offers optional coverage for pools and spas, stand-alone freezers, and covered systems such as central vacuums, septic systems, and more.

You are charged a $60–$75 service call fee per claim. Unfortunately, you cannot choose your fee. Plans include a $3,000 cap for HVAC systems and $500 for all other covered systems. You also receive a 30-day workmanship guarantee.

Select Home Warranty offers monthly and annual premium options. You will pay between $479 and $524 for the annual premium. You can receive $150 off and two additional coverage months by choosing annual coverage.

Homeowners can choose from the following Select Home Warranty plans:

• Bronze Care: This plan includes major home appliances, including built-in microwaves, cooktops, and refrigerators.
• Gold Care: This plan protects home systems and includes cooling, heating, electrical, and more.
• Platinum Care: The highest plan combines Bronze and Gold Care coverage plus additional items, such as garage door openers and plumbing stoppages.
• Optional add-ons: Add-on options include central vacuums, lawn sprinkler systems, pools, septic systems, spas, stand-alone freezers, sump pumps, and well pumps.

Select Home Warranty plan pricing can be found in the table below:

We recommend getting sample quotes before choosing a Select Home Warranty plan. You can access quotes through the customer support team or online. Select doesn’t require your home address to generate a quote. You can enter your name, phone number, and ZIP code instead.

Select sends its own technicians to complete service repairs and replacements. You can choose your own if the company cannot find a local technician. However, Select must approve your technician choice.

Based on homeowners’ online reviews, we learned that customers liked the affordable plan options but found reaching the customer support team difficult.

• Provider Review: First American Home Warranty review
• Provider Sample Contract: First American Home Warranty sample contract
• State Availability: 35*
• Monthly Cost: $57–$97

*(excluding Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont, and Wisconsin)

First American Home Warranty offers comprehensive coverage for your home’s systems and appliances at an affordable monthly price. First American bundles its Essential and Premium plans with the First American Advantage upgrade. It covers miscellaneous fees such as appliance removal and code violations. Note that the Starter Plan doesn’t include air conditioning coverage–you need to purchase it as an add-on.

We awarded First American Home Warranty a 4.6 out of 5 stars in our review standards. First American includes a generous appliance limit in all its plans. Homeowners receive a  $3,500 limit for the two lowest plans and $7,000 for its most comprehensive coverage plan. The First American Advantage upgrade enhances item coverage by including unique conditions such as improper maintenance, modification, and installation. We recommend choosing First American if you own high-end appliances.

First American Home Warranty offers three plans: the Starter Plan, the Essential Plan, and the Premium Plan. Homeowners can choose between a $75, $100, or $125 service call fee. Based on our sample quote, we learned that choosing a higher service call fee results in lower premiums. First American backs its repairs with a 30-day workmanship guarantee.

First American Home Warranty offers annual and monthly premiums. Expect to pay between $660 and $1,140 annually. Unfortunately, First American doesn’t offer perks for choosing annual plans, such as bonus coverage months or discounts. This means there’s no incentive to pay for an annual plan. In the event the annual plan is canceled, the consumer has to wait for their prorated refund, which can take time.

We’ve outlined First American’s plan coverage below:

• Starter Plan: This plan includes built-in microwaves, dishwashers, ductwork, electrical systems, heating, plumbing systems, oven/cooktop, plumbing stoppages, refrigerators, and toilet tanks, bowls, and mechanisms. 
• Essential Plan: Coverage includes Starter Plan items and adds air conditioning, ceiling/attic/exhaust fans, clothes washers and dryers, garage door openers, trash compactors, and water heaters.
• Premium Plan: The highest plan covers all items in the Essential Plan and protects full garage door systems, instant hot water dispensers, luxury appliances, shower heads and arms, and window air conditioning units.
• Optional add-ons: Additional coverage options include additional refrigeration, air conditioning for the Starter Plan, HVAC tune-up, limited roof-leak coverage, pool and spa equipment, septic tank systems and pumping, water softeners, and well pumps.

A breakdown of First American’s plan pricing can be found below:

Homeowners can receive custom quotes over the phone or by using the online tool. To use the tool, visit the First American website and enter your personal information and basic home details. Changing your service call fee and plan options will increase or decrease your premium.

First American uses its own service technicians but allows substitutes when technicians aren’t available in your area. Our team member filed a claim with First American to repair a garage door opener. He filed a claim on a Friday and received a service appointment on the following Monday. The repairs were successful, and he only paid for the service call fee.

Online customer reviews revealed that homeowners enjoyed the simple claims process but had issues getting their service requests completed promptly. 

• Provider Review: AFC Home Warranty Review
• Provider Sample Contract: AFC Home Warranty sample contract directory
• State Availability: 49 (excluding Hawaii)
• Monthly Cost: $34–$92

*(excluding Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont, and Wisconsin)

America’s First Choice Home Warranty (AFC Home Warranty) offers great plan flexibility, making it easier to build custom home coverage. AFC Home Warranty also includes an unlimited workmanship guarantee, offering additional peace of mind.

AFC Home Warranty received 4.6 out of 5 stars in our review standards. Homeowners can choose from four coverage plans, three service fees, and several add-on protections. AFC Home Warranty offers added perks to its customers, such as free credit monitoring and identity theft protection. Each plan includes a workmanship guarantee that lasts as long as your contract period. Homeowners who want more control over their protections and costs should consider AFC Home Warranty.

AFC Home Warranty offers four plans: a Platinum Plan, a Gold Plan, a Silver Plan, and a Systems Plan. You can select a $75, $100, or $125 service call fee.

AFC Home Warranty includes an unlimited coverage cap for HVAC systems but limits thermostats to only $80. AFC Home Warranty offers a $3,000 limit for appliances but might reduce your payout based on your item’s age. AFC Home Warranty applies a depreciation deduction on five years or older items. Coverage includes a plan-length workmanship guarantee.

AFC Home Warranty provides annual and monthly premiums. Expect to pay between $347 and $629 annually. Our sample quotes included added discounts for choosing an annual or multiyear option. We received a $100 annual discount for a one-year plan and $250 for a three-year option.

Below are your coverage options with AFC Home Warranty:

• Silver Plan: This coverage plan includes major home appliances, such as clothes washers and refrigerators.
• Systems Plan: This plan includes major home systems, such as cooling and heating.
• Gold Plan: This option combines the Systems and Silver plan coverage. 
• Platinum Plan: The highest tier includes Gold Plan protections and adds plumbing stoppages, faucets, built-in microwaves, ice makers, and fan work.
• Optional add-ons: Optional coverage includes double ovens, electronic coverage, hot water dispensers, sump pumps, septic systems, central vacuums, pools, spas, stand-alone freezers, and roof-leak repair. 

See more details on AFC Home Warranty plan pricing below:

AFC Home Warranty offers quotes over the phone and online. We found the AFC Home Warranty quote tool less helpful than other providers. Most quote tools let you easily compare plan options, premium frequency, and service fees on one page. AFC Home Warranty offers limited pricing details and requires opening a separate window per plan to get the full pricing.

AFC Home Warranty stands out as one of the few providers to allow you to choose your technician from the start. Other companies only offer this option when they don’t have technicians in your area.

Online customer reviews complimented the quick claims process but weren’t happy with the depreciated coverage caps.