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Best Home Warranty Companies in Mississippi

When your home systems and appliances break down from normal wear and tear, a home warranty can protect them and prevent you from paying expensive, out-of-pocket repair or replacement costs. Keep reading for the top home warranty companies in Mississippi.

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A Mississippi home warranty can keep your house protected by ensuring any system or appliance breakdown is quickly and affordably addressed. Not to mention, having a home warranty prevents you from having to find a trusted service contractor to complete repairs for you, as most companies have a local technician network.

Mississippi’s Top 5 Home Warranty Companies

The highest rated home warranty companies in Mississippi include:

To determine which Mississippi home warranty companies are the best, our team looked at plans, prices, add-on options, customer reviews, and more. These are our top five provider picks.

American Home Shield

American Home Shield (AHS) offers the extensive coverage with rare perks, such as coverage for systems and appliances with undetectable pre-existing conditions or damage due to rust and corrosion.

Pros & Cons

✔ Has a network of 17,000 local contractors
✔ Provides 24/7 customer service
✔ Customers can choose their own service fee

✘ Repairs are only guaranteed for 30 days
✘ Doesn’t offer many optional add-ons

Plans & Pricing

American Home Shield has three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. The ShieldSilver covers home systems only, and the ShieldGold adds appliances coverage to the ShieldSilver’s existing coverage. The ShieldPlatinum protects all items under the first two plans while also providing roof leak coverage and a free HVAC tune-up.

American Home Shield also provides optional add-on coverage for the following items: Electronics extended warranty, guest unit under 750 square feet, pool and spa, well pump, septic pump

Not only can you customize your coverage with American Home Shield, you can customize your service fee. Customers may choose between $75, $100, or $125. The higher the service fee, the lower your monthly premium will be. In general, a plan from American Home Shield will cost between $40 and $80 per month.

For a free quote from American Home Shield, fill out this online form or call 844-529-9298.

Learn more: American Home Shield Review

Choice Home Warranty

Choice Home Warranty (CHW) offers half the number of home warranty plans as American Home Shield does, but they’re more affordable.

Pros & Cons

✔ Offers coverage without requiring a home inspection
✔ Customers can cancel for free within 30 days of the contract start date
✔ Has a 90-day repair guarantee

✘ Doesn’t let customers choose their own contractor
✘ Customers can’t customize their plans

Plans & Pricing

Choice Home Warranty has two plans: Basic and Total. The Basic Plan covers most home systems and appliances, including your dishwasher, water heater, electrical, plumbing, and heating. The Total Plan includes everything in the Basic Plan, plus coverage for your refrigerator, clothes washer and dryer, and air conditioner.

Customers can pay an additional fee to add protection for the following items: Pool and spa, central vacuum, second refrigerator, well pump, limited roof leaks, standalone freezer, sump pump, septic system, septic tank pumping

You can expect a plan from Choice Home Warranty to cost between $36 and $44 per month. In addition to paying a monthly premiums, you’ll have to pay a service call fee of $60–$85 every time a service contractor comes to your home to address your service request.

For a free quote from Choice Home Warranty, fill out this online form or call 929-400-6165.

Learn more: Choice Home Warranty Review

The Home Service Club

The Home Service Club (HSC) offers two plan options and has the longest list of add-on options out of the three providers listed in this review, allowing you to truly customize your home warranty coverage.

Pros & Cons

✔ Doesn’t require a home inspection for coverage to kick in
✔ Has a 30-day labor guarantee and 90-day parts guarantee

✘ High contract transfer fee
✘ High service fee of up to $125

Plans & Pricing

HSC’s Standard Coverage protects major home appliances and systems, including your heating, air conditioning, electrical, plumbing, dishwasher, refrigerator, washer, and dryer. The Comprehensive Coverage continues coverage for those items and adds coverage for items that aren’t typically found in a home warranty, like doorbells, smoke detectors, and telephone wiring.

Customers can also include coverage for one or more of these add-ons: Roof, jetted bathtub, well pump, sewage ejector pump, pool, water softener, freestanding freezer, spa and spa heater, sprinkler system, freestanding additional refrigerator, refrigerator built-in units with dual compressors, utility lines

Customers will pay $95 per service call, and will typically pay between $45 and $60 per month for a plan.

For a free quote from The Home Service Club, fill out this online form or call 800-842-9334.

Learn more: The Home Service Club Review

Liberty Home Guard

Liberty Home Guard may be newer to the home warranty industry than some of its competitors, but its commitment to accessible and responsible customer service, affordable pricing, and additional coverage options make it stand out.


Pros & Cons

✔ Up to 30 additional coverage options to choose from, including pest control
✔ Customer service can be reached via the live-chat feature on the website or the 24/7 phone line
✔ 60-day workmanship guarantee

✘ The online quote process does not disclose the service call fee
✘ Monthly costs aren’t reduced by a higher service call fee

Plans & Pricing

Liberty Home Guard offers three plan options: Appliance Guard, Systems Guard, and Total Home Guard. The Appliance Guard plan covers your appliances, such as your laundry machines and garbage disposal. The Systems Guard plan covers five essential built-in systems, such as your air conditioning and ductwork.

Liberty Home Guard charges a variable service call fee, but it is assigned to your account based on your plan, add-on selections, and the location of your home. A representative from the company informed our team that the service call fee will always fall between $65 and $125.

Liberty Home Guard also offers an impressive suite of add-on options: Pool and spa, sump pump, well pump, central vacuum, additional spa, septic system plumbing, stand-alone freezer, limited roof leak, lighting fixtures, re-key, gutter cleaning, pest control, floor/carpet cleaning, water softener, lawn sprinkler system, electronics protection, swamp cooler, ejector pump, second refrigerator, trash compactor, in-fridge ice maker, freestanding ice maker, wine cooler/fridge, saltwater pool, generator, plumbing fixtures, grinder pump, water dispenser water line, instant hot water dispenser, reverse osmosis system

Here’s what we were quoted for a single-family home in Mississippi less than $5,000 square feet:

  • Appliance Guard: $44.99 per month
  • Systems Guard: $49.99 per month
  • Total Home Guard: $54.99 per month
To get a free quote from Liberty Home Guard, call 866-452-9107 or use this simple online tool.

Learn more: Liberty Home Guard Review

Priority Home Warranty

Priority Home Warranty stands out for its straightforward provision for choosing your own repair technician. According to Priority’s sample contract, you can work with your own contractor and collect reimbursement from the provider when your claim is approved. It’s important to note that customers must notify Priority before initiating service for a covered item.

Pros & Cons

✔ Customers can choose to work with any licensed and bonded contractor they trust
✔ All approved claims are covered by a plan-length workmanship guarantee
✔ Real-time claims tracking within the customer portal

✘ Excludes specific brand name appliances from coverage, such as Miele, Bosch, Wolf, Electrolux, and more
✘ Built-in systems are only covered up to $500 during the first 90 days of coverage

Plans & Pricing

Priority Home Warranty offers three plan options: Systems Home Care, Appliances Home Care, and Total Home Care. As the plan names imply, the Systems Home Care plan covers systems such as your plumbing system and heating system. The Appliances Home Care plan covers items such as your laundry machines and kitchen appliances. Total Home Care combines the coverage of the two plans into one affordable plan.

Priority Home Warranty also offers the following add-on options: Ice maker, second refrigerator, stand-alone freezer, second clothes dryer, second dishwasher, septic pumping, water softener, septic system, second tankless water heater, saltwater pool system, pool/spa, second air conditioner, well pump, limited roof leak, tankless water heater, second oven/range/stove, second clothes washer, sump pump, and central vacuum

Priority charges a $70 service call fee each time you file a claim. If you file more than one claim, you will have to pay more than one service call fee. Based on our quote, you can expect to pay between $33 and $47 a month for a Priority Home Warranty plan.

Here’s what we were quoted for a single-family home in Mississippi less than $5,000 square feet:

  • Appliance Home Care: $33 per month
  • Systems Home Care: $33 per month
  • Total Home Care: $47 per month
To request a personalized quote from Priority Home Warranty, call 954-228-2343 or fill out this quick form.

Learn more: Priority Home Warranty Review

Our Conclusion

American Home Shield, Choice Home Warranty, and The Home Service Club offer Mississippi homeowners affordable coverage for major home systems and appliances. Before deciding on a home warranty company and plan, get quotes from all five providers to see how pricing might change based on your region, plan, and home size.

Frequently Asked Questions About Mississippi Home Warranties

Who can buy a home warranty in Mississippi?

Real estate agents, home sellers, first-time home buyers, and veteran homeowners can buy a home warranty. Real estate agents and home sellers may purchase a home warranty to include in the sale of a home—this could entice potential buyers to buy the home since a warranty ensures its systems and appliances will be covered.

How does a home warranty work?

Once coverage kicks in, you’ll pay a monthly or annual premium based on the coverage you select. When a covered system or appliance breaks down, you can file a claim with your home warranty provider online or over the phone.

Once your claim is processed, your company will schedule a time for a technician to come to your home to diagnose the problem and repair or replace the covered item. Before the technician leaves, you’ll have to pay the set service fee.

Is a Mississippi home warranty required?

Mississippi homeowners are not required to purchase a home warranty. However, if the home is newly constructed, the builder is required to offer a warranty under the New Home Warranty Act. For one year, the home is protected from any defect caused by the builder’s code non-compliance.

Our Home Warranty Review Methodology: How We Chose The Best Home Warranty Companies

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. With that in mind, we spent time creating an objective rating system to score each home warranty company. Here’s what that review process looks like:

  • We call every home warranty provider, talking to sales agents and company representatives. We get quotes, ask questions, and fully understand the protection plan offerings.
  • We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
  • We analyze the sample contracts from each brand we review. This allows us to break down the industry jargon and see what is and isn’t covered so we can give readers straightforward information.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other.

With all of that data, we created a rating system to score each home warranty company. Our rating system is a weighted, 100-point scale on the following factors:

  • Plan options (25): Every home and every family needs the right home warranty plan for them. Providers with more options and more flexibility were rated higher than those without.
  • Coverage specifics (5): What does each plan and each provider cover? The more covered by the provider in their basic plans, the higher the score.
  • Pricing (25): Both the monthly fee and the service fee play an important role in the selection process.
  • Trustworthiness (25): There are a number of home warranty companies that aren’t reputable and don’t follow through on their agreements. We gauged trustworthiness based on customer feedback from the BBB.
  • State availability (5): Where you live plays a role in the options you have for a home warranty. Companies scored higher if they covered more states than their competitors.
  • Customer service (10): This factor is based on our own research from calling providers, as well as their guarantees for responding to claims.
  • Additional benefits (5): Some home warranty companies offer special promotions or will cover items in their plans that are usually considered optional coverage for most companies. Home warranty companies that offer these types of benefits were scored higher than competitors that didn’t.

In summary, the This Old House Review Team reviewed 45 companies to select this list of the seven best home warranty providers. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability.

To share feedback or ask a question about this article, send a note to our Reviews Team at