Our team chose American Home Shield as the top home warranty provider in Mississippi for its extensive system and appliance protections. We also like Choice Home Warranty for its mid-level coverage priced under $70 per month. We reviewed and scored 13 leading home warranty providers to find the best options for the state.
A home warranty can help Mississippi homeowners handle unexpected repair costs, especially considering how the state’s heat and humidity can strain HVAC systems and appliances. Having a plan is also useful for owners of older or rural homes and those in rural areas, where you could have trouble finding a reliable technician. With a home warranty, the company will find and assign you a technician when you need a repair.
Key Takeaways
- American Home Shield ranks as Mississippi’s best home warranty provider, matching our 2025 survey results, in which 42% of residents picked the company for their home.
- A Mississippi home warranty costs an average of $624–$1,063 annually, or $53-$90 per month, depending on your plan and coverage.
- Our survey found that 37% of Mississippi homeowners chose a home warranty for electrical system coverage, making this item a top reason for purchasing a plan.
Mississippi’s Top 5 Home Warranty Companies
The highest-rated Mississippi home warranty companies include the following:
- American Home Shield: Best for Comprehensive Coverage
- Choice Home Warranty: Best Basic Plan Coverage
- Elite Home Warranty: Best for Customized Coverage
- First American Home Warranty: Best for High-End Items
- AFC Home Warranty: Best Technician Flexibility
Summary of Mississippi’s Best Home Warranty Companies
Below is a comparison of our top Mississippi home warranty providers based on key factors, including monthly pricing and Better Business Bureau (BBB) ratings.
| Company | Star Rating | BBB Rating | Monthly Cost | Service Fee |
|---|---|---|---|---|
B | $36–$100 | $100–$125 | ||
B | $60–$68 | $100 | ||
B | $45–$60 | $70 ($150 for after hours and weekends) | ||
B | $77–$130 | $100–$125 | ||
B | $44–$82 | $75–$125 |
Note: We based the pricing information in this table on averaged costs from sample quotes we obtained for single-family homes over and under 5,000 square feet in all 50 states. Your pricing may vary depending on your home’s location, size, type, and plan selections.
BBB ratings are accurate as of March 2025.
Reviews of the Best Home Warranties in Mississippi
American Home Shield
American Home Shield (AHS) offers comprehensive major systems and appliance coverage alongside service call fee flexibility. Additionally, AHS covers unique instances other providers typically don’t, such as rust, corrosion, or sediment damage.
Why We Chose American Home Shield
American Home Shield provides extensive coverage for key items at all plan levels. The basic ShieldSilver plan covers up to $5,000 for your HVAC system. It’s also one of the few providers that includes coverage for pre-existing conditions, protecting items with damage before your plan started. This makes it a good fit for older Mississippi homes with aging systems and appliances.
Pros and Cons
Pros
- Offers a flexible service call fee model that allows customers to adjust monthly fees for their budget
- Provides coverage for unknown preexisting conditions and items damaged by rust and corrosion
- Sets generous coverage caps (up to $5,000 on built-in systems and $4,000 on appliances with its ShieldPlatinum plan)
Cons
- Doesn’t offer an appliance-only coverage plan
- Offers less coverage flexibility than most providers with only a few add-on options
Plans and Pricing
American Home Shield offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. We looked through American Home Shield’s sample contracts and called a representative to ask about the company’s plans. The representative noted that the company imposes a $5,000 coverage cap per covered system in its systems-only plan, ShieldSilver. ShieldGold adds coverage for appliances, which have a $2,000 coverage limit. ShieldPlatinum also combines system and appliance coverage and increases its appliance limit to $4,000; plus, it adds roof-leak coverage, up to $1,000 in code upgrades, an HVAC tune-up, and air filter discounts.
American Home Shield allows you to pull a quote by calling a representative or using its online tool. When we used its quote tool, it allowed us to choose a service call fee of $100 or $125. The company states that a higher service call fee will result in a lower monthly premium and vice versa. All American Home Shield plans come with a 30-day workmanship guarantee on any completed repairs covered by the plan.
While pulling our quote, we discovered that the company only offers monthly premium options. It doesn’t include an annual premium discount like other providers on this list.
Here are details on each of American Home Shield’s plans:
- ShieldSilver ($33 per month): Covers 14 systems, including HVAC, ductwork, and plumbing
- ShieldGold ($43 per month): Covers 14 systems and nine home appliances, including dishwashers, clothes washers, and refrigerators
- ShieldPlatinum ($115 per month): Includes ShieldGold coverage and adds additional benefits, such as $1,000 for roof-leak repairs
- Optional add-ons: Offers electronics, pools and spas, guest units, roof leak, septic pumps, and well pumps
Our Experience with American Home Shield
Our American Home Shield tester filed a claim for a leaking bathroom pipe. After reaching out to the company, a representative located a local plumber within an hour and scheduled a next-day service appointment. The plumber arrived promptly and completed the necessary repairs, resolving the issue efficiently. Our tester was satisfied with the service, as the repairs were successfully made, and the only cost was the service call fee, making the process smooth and affordable.
Choice Home Warranty
Choice Home Warranty offers comprehensive protection for both systems and appliances for less than $70 per month. Despite its lower cost, the company offers $3,000 limits for covered items, making it a good choice for budget-conscious Mississippi homeowners.
Why We Chose Choice Home Warranty
Though it doesn’t offer as much comprehensive protection as other providers, Choice can help protect key home systems such as your electrical and plumbing. Its standard $3,000 coverage limits for most items makes it easier to predict potential savings, and having straightforward coverage can help you avoid surprises when filing a claim.
Pros and Cons
Pros
- Extends a 60-day guarantee on labor and 90 days on parts
- Offers $3,000 coverage limits for most items
- Provides completed application and system coverage for under $70 per month
Cons
- Currently facing an ongoing lawsuit with the Arizona Attorney General
- Excludes some key systems and appliances from its lowest plan, including air conditioning
Plans and Pricing
Choice Home Warranty offers two plans: the Basic Plan and the Total Plan. This is less options than many competitors, which offer three or more plans for greater variety. After reviewing a Choice Home Warranty sample contract, we found the Basic Plan doesn’t cover air conditioning, laundry appliances, or refrigerators—key items typically included in other providers’ basic plans. You must upgrade to the Total Plan to get coverage for these items, which costs more each month. The company also doesn’t offer service call fee flexibility. Instead, it charges a flat fee of $100 for all repairs.
Here’s an overview of Choice Home Warranty’s plans:
- Basic Plan ($59 per month): Covers seven systems and seven appliances, such as heating, ovens, and plumbing
- Total Plan ($67 per month): Covers eight systems and 10 appliances, adding air conditioning, clothes washers and dryers, and refrigerators
- Optional add-ons: Up to 10 options, including additional spa, sump pump, central vacuum, pools, and second refrigerators
Our Experience with Choice Home Warranty
Our Choice Home Warranty tester filed several claims, and the service quality varied with each one. While some contractors resolved issues quickly, others required multiple visits or left the problem unresolved. Appointment times were inconsistent, ranging from one day to a month, which caused frustration. For example, an air conditioning repair took just one visit, but a refrigerator and freezer repair required three visits from three different technicians.
Elite Home Warranty
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 and 30 add-on options.
Pros and Cons
Pros
- Includes a 90-day workmanship guarantee for completed repairs
- Offers higher coverage limits for high-end appliances
- Rolls your service call fee into your annual premium, avoiding a per-claim charge
Cons
- Charges a higher service call fee for high-end appliance repairs
- Excludes workmanship guarantee on repairs done with an out-of-network technician
Plans and Cost
When reviewing an Elite Home Warranty sample contract, we learned that the company offers three premade plans and one fully customizable option. However, the company includes 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.
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.
Below are the details of Elite’s coverage plans:
- Elite Appliances ($45 per month): Covers eight essential appliances, including cooktops, clothes washers, and dishwashers
- Elite Systems ($50 per month): Covers eight home systems, such as air conditioning, heating, and electrical systems
- Elite Complete ($60 per month): Combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection
- Optional add-ons: Up to 30 options, such as sewer lines, HVAC annual maintenance, lawn sprinkler systems, and water filtration systems
Our Experience with Elite Home Warranty
Our Elite Home Warranty tester filed a claim for his broken high-end dishwasher and had a pretty smooth experience. After submitting the claim online, he got a call from a claims specialist within 30 minutes and was scheduled for a repair the next day. The technician arrived on time but needed some out-of-stock parts, so he returned the following Monday to finish the job. The repair was quick once the parts were in, and the dishwasher was up and running in no time.
First American Home Warranty
First American Home Warranty stands out for its generous appliance limits of up to $7,000 under its higher plans. This makes it a good option for Mississippi homeowners who own high-end appliances or need frequent repairs.
Why We Chose First American Home Warranty
First American Home Warranty could suit your needs if you prefer plans with higher coverage limits, especially for kitchen appliances. In addition to its higher appliance caps, the company also offers no caps on most of its major systems. This means you get more extensive protection, especially for complex systems like your HVAC or electrical, which can help you avoid unexpected repair costs.
Pros and Cons
Pros
- Covers improper installations and modifications under its First American Advantage upgrade
- Offers no coverage caps on most major systems, including plumbing and electrical
- Includes up to $7,000 in appliance coverage under its highest plan
Cons
- Excludes some key items, including air conditioning, from its lowest plan
- Doesn’t offer appliance-only or system-only plan options
Plans and Pricing
First American Home Warranty offers three plan options: the Starter Plan, Essential Plan, and Premium Plan. After reviewing a sample contract, we found that all three plans include combined system and appliance coverage. However, the Starter Plan doesn’t cover air conditioning, water heaters, clothes washers, or dryers. You can add central cooling coverage as an add-on, but you’ll need to upgrade to a higher plan tier to cover the other excluded items.
You can choose between a $100 or $125 service call fee, with the higher fee helping to lower your monthly costs. You can also add the free First American Advantage upgrade to the Essential and Premium plans for extra coverage on items damaged by improper installations and modifications.
Here are more details about First American Home Warranty’s plans:
- Starter Plan ($77 per month): Covers eight appliances and four systems including built-in microwaves, heating systems, and refrigerators
- Essential Plan ($100 per month): Covers 11 appliances and four systems, including air conditioning, clothes washers, and dryers
- Premium Plan ($130 per month): Includes Essential Plan coverage, plus luxury appliances, roof leaks, and window air conditioning units
- Optional add-ons: Up to nine options, such as additional refrigeration, septic systems, HVAC tune-up, water softeners, and well pumps
Our Experience with First American Home Warranty
Our First American Home Warranty tester filed a claim for a broken garage door opener, finding the process quick and easy. After submitting the claim online, he received an immediate confirmation and contractor contact details via text. The contractor called within an hour and scheduled a Monday appointment. The repair was completed on time in 20 minutes, with the tester paying only the service call fee and being satisfied with the service overall.
AFC Home Warranty
AFC Home Warranty offers Mississippi homeowners more flexibility than other providers we’ve reviewed. The company provides four plans and two service call fees for better coverage customization.
Why We Chose AFC Home Warranty
Along with flexible pricing, AFC Home Warranty also allows you to choose your own technician, a rare feature among home warranty companies. Plans also come with a plan-length workmanship guarantee, which covers issues with repairs for the duration of your contract. Comparatively, most companies offer guarantees lasting 30–90 days after a repair.
Pros and Cons
Pros
- Includes a plan-length workmanship guarantee
- Lets you choose your own technician for repairs
- Offers four plans and two service call fees for better customization
Cons
- Includes a depreciation policy for items five years and older
- Offers lower coverage caps than many competitors, with some systems including $500 caps
Plans and Pricing
AFC Home Warranty offers four plans: the Silver Plan, Gold Plan, Platinum Plan, and Diamond Plan. The Silver Plan covers appliances only, while the other three plans provide varying levels of combined system and appliance coverage. According to an AFC Home Warranty sample contract, the company applies a depreciation policy on items five years or older, meaning you’ll receive lower payouts for these items, potentially leading to higher out-of-pocket costs.
Plans offer a $75 or $125 service call fee, with the lower fee raising your monthly costs. You can also choose between a one-year or three-year contract, with either annual or monthly billing.
Here’s a breakdown of AFC Home Warranty’s plans below:
- Silver Plan (Call for a quote): Covers nine appliances, including dishwashers, garage door openers, and stoves
- Gold Plan ($44 per month): Covers nine appliances and six home systems, including HVAC, electrical, and ductwork
- Platinum Plan ($51 per month): Covers 10 appliances and nine home systems, such as built-in microwaves, faucets, and plumbing stoppages
- Diamond Plan ($82 per month): Includes Platinum Plan coverage and adds coverage for electronics and exterior sewer and water lines
- Optional add-ons: Up to eight options, including roof-leak coverage, in-ground pools, sump pumps, well pumps, and septic systems
Our Experience with AFC Home Warranty
Our AFC Home Warranty tester filed a quick online claim for a toilet issue. Although communication was frequent, the tester was pleased with the company’s ability to find a contractor in her rural area. The first repair attempt didn’t resolve the issue, but a second contractor fixed it promptly. Overall, the issue took about a week to resolve, and our tester didn’t incur any additional costs.
How Much Does a Home Warranty Cost in Mississippi?
A Mississippi home warranty costs $53–$90 per month or $624–$1,063 annually, depending on the provider and coverage. National home warranty pricing typically ranges from $47–$82 per month or $564–$984 per year, making Mississippi’s plan costs slightly higher.
Factors like your ZIP code, chosen add-ons, and service fees also affect your final price. Despite the higher costs, a home warranty can help offset expensive repairs, especially for aging systems and appliances.
How Does a Home Warranty Work?
After purchasing a home warranty, you’ll pay a monthly or annual cost based on your selected coverage. When a covered system or appliance breaks down, you can submit a claim to your provider online or by phone. Once your claim is approved, the company will arrange for a technician to assess the issue. If the repair or replacement is covered, the technician will complete the work, and you’ll pay a predetermined service fee before they leave.
Other Resources
FAQs About Home Warranties in Mississippi
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.
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 Rating Methodology
We used a comprehensive rating methodology to evaluate each home warranty company. Our process involved talking with company representatives, obtaining quotes, analyzing sample contracts, conducting homeowner surveys, and using focus groups for feedback. We also tested the sign-up and claims process for 11 top home warranty companies and conducted secret shopping to gather insights into the customer experience.
Using this information, we scored each provider across six key comparison categories essential when selecting a home warranty. Each company was assigned a total score out of 100 points, which was then converted into a 5-star rating.
Here’s a breakdown of our weighted factors:
- Coverage: This category evaluated the comprehensiveness of each provider’s coverage, including whether plans include standard and unique items. Providers that offer more extensive coverage and higher annual limits received higher scores. Conversely, points were deducted for having long waiting periods or depreciation policies that reduced payouts for older items.
- Cost: We examined the average monthly prices and service call fees. Providers with pricing at or below industry averages and no additional fees or surcharges were awarded the highest points.
- Trustworthiness: We reviewed customer ratings on sites like the BBB and Trustpilot to gauge reliability. Higher scores were given to providers with strong customer ratings, long workmanship guarantees, and no legal issues.
- Plan Transparency: We evaluated the clarity of each provider’s terms, policies, and disclosures on both contracts and websites. Providers offering clear and accessible contract details were rated more favorably.
- Customer Support: This category assessed how responsive and accessible customer support was, considering multiple claims filing options and quick response times. Providers with efficient customer support received higher scores.
- Flexibility: We rated providers that offered a broader range of plan options, a more extensive selection of add-ons, technician choice, and customer-friendly cancellation policies.
