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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 3 Home Warranty Companies

The highest rated home warranty companies in Mississippi include:

  1. American Home Shield (AHS): Best Overall
  2. Choice Home Warranty: Best Service
  3. The Home Service Club: Quickest Coverage

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 three provider picks.

1. American Home Shield

American Home Shield (AHS) offers the extensive coverage, providing three plan options—the ShieldSilver™, ShieldGold™, and ShieldPlatinum™. AHS also offers protection with rare perks, such as coverage for systems and appliances with undetectable pre-existing conditions or damage due to rust and corrosion.

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.

Here’s what you’ll pay monthly based on the service fee you select:

AHS Plans

Plan $75 Service Fee $100 Service Fee $125 Service Fee
Plan $75 Service Fee $100 Service Fee $125 Service Fee
ShieldSilver™ $54.99 per month $44.99 per month $39.99 per month
ShieldGold™ $64.99 per month $54.99 per month $49.99 per month
ShieldPlatinum™ $79.99 per month $69.99 per month $64.99 per month
For a free quote from American Home Shield, fill out this online form or call 844-529-9298.

2. 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 (both are under $45.00 per month, regardless of the service fee you select).

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

Here are price estimates for Choice Home Warranty plans:

CHW Plans

Basic Plan Total Plan
Basic Plan Total Plan
$36.17 per month $43.85 per month

In addition to paying one of these 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.

3. 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.

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

Here’s a pricing breakdown for The Home Service Club plans:

HSC Plans

Standard Coverage Comprehensive Coverage
Standard Coverage Comprehensive Coverage
$45.95 per month $60.95 per month

Note: Customers will pay $95 per service call.

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

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 three 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.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.