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Best Home Warranty Companies in South Dakota

A home warranty covers expensive repairs costs for home systems and appliances in exchange for a monthly or annual premium and service fee. To see what companies can give you that peace of mind, read this review on South Dakota home warranty providers.

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South Dakota home warranty companies cover most of the costs associated with necessary repairs and replacements to home systems and appliances that break down due to normal wear and tear. They can even help you find a qualified repair technician, allowing you to receive affordable and hassle-free coverage for your home.

The This Old House Reviews Team has put together an analysis of the best home warranty companies in your state. Whether you live in Sioux Falls or Pierre, we recommend using this review as a starting point in your search for South Dakota home warranty coverage.

South Dakota’s Top 3 Home Warranty Companies

The highest rated home warranty companies in South Dakota include:

  1. American Home Shield (AHS): Best Overall
  2. Choice Home Warranty: Best Service
  3. First American Home Warranty: Best Value

To determine the best home warranty companies in South Dakota, we compared third-party customer reviews, plans, pricing, benefits, and more. These are the three providers that we believe provide the best coverage at the most affordable prices.

1. American Home Shield

American Home Shield (AHS) is a veteran in the home warranty industry, with nearly 50 years of experience and having served over 1.8 million customers.

American Home Shield offers three plans: the ShieldSilver™, ShieldGold™, and ShieldPlatinum™ plans. The ShieldPlatinum plan is among the most comprehensive in the industry, with high coverage limits and 23 appliances and systems protected.

American Home Shield plans range between $40–$58 per month, with service fees costing between $75–$125.

Here are some stand-out features of American Home Shield:

  • No home inspection needed to start coverage
  • 30-day workmanship guarantee
  • Add-on options for unique items like guest units and electronics
  • Customizable coverage with the choice in service fee

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) has affordable plans that allow for some customization and provides coverage for appliances and systems regardless of their age.

Choice Home Warranty has a Basic Plan and Total Plan. The Basic Plan protects 14 majors systems and appliances, including your electrical, plumbing, water heater, garage door opener, and garbage disposal. The Total Plan covers those 14 items plus air conditioners, refrigerators, and clothes washers and dryers.

The Basic Plan costs $36.17 per month, while the Total Plan costs $43.85 per month. Service call fees range between $60–$85.

Here’s an overview of the advantages of purchasing a plan from Choice Home Warranty:

  • 90-day repair guarantee
  • Add-on option for roof leaks
  • Customer service 24 hours a day, seven days a week

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

3. First American Home Warranty

First American Home Warranty (FAHW) costs about the same as Choice Home Warranty but has been in business for over 35 years. FAHW prides itself on accepting as many claims as possible, having paid $177 million in repairs in 2019.

First American Home Warranty has two plans—a Basic Plan and Premier Plan. The Basic Plan covers eight appliances, and the Premier Plan covers those appliances and adds coverage for eight systems. The downside to a First American plan is that you can’t get air conditioning coverage without purchasing it as an add-on.

First American plans range between $25–$40 per month and the company charges a $75 service fee.

Here are a few additional First American Home Warranty benefits:

  • Coverage for improperly installed or maintained items
  • Flexible payment options
  • 30-day, money-back guarantee

To get a free quote from First American Home Warranty, fill out this online form or call 833-777-0049.

Our Conclusion

With a plan through one of these providers, you can get customizable and affordable coverage for your South Dakota home. Since estimates in this review may change depending on the size of your home and how you customize your plan, we recommend getting quotes from all three before deciding on a provider.

Frequently Asked Questions about South Dakota Home Warranties

What’s a home warranty coverage cap?

Home warranty companies typically set a coverage cap, or a maximum amount they’re willing to pay, to repair or replace a covered item. This amount is laid out in the terms and conditions of your contract. If a fix costs more than the coverage cap, the homeowner has to pay the remaining amount.

When will a home warranty provider replace an item instead of repair it?

If the covered item can’t be repaired or it isn’t cost-effective to repair it, the home warranty company will replace the item instead. Your provider may not offer a replacement with the same make, model, and color as your previous one, but the item will function the same.

What’s the difference between a manufacturer’s warranty and a home warranty?

When you purchase a new product, like a home appliance, the manufacturer gives you a warranty that protects the item against defects for the first few years of its life. After that, repairs and replacements are your responsibility. With a home warranty, your systems and appliances are covered if they break down due to normal wear and tear, and your provider will cover the repair or replacement costs.

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