A Mississippi home warranty can keep your house protected by ensuring any system or appliance breakdown is addressed quickly and affordably. Having a home warranty also helps you find a trusted service provider to complete repairs for you, as most companies have a local technician network.
The This Old House Reviews Team reviewed the best home warranty companies in the nation and selected the top providers available in Mississippi. Our team looked at plans, prices, add-on options, and customer reviews before making our recommendations.
Mississippi’s Top 3 Home Warranty Companies
The highest-rated Mississippi home warranty companies include the following:
- American Home Shield: Best Coverage Caps
- Liberty Home Guard: Best Customer Ratings
- Select Home Warranty: Best Value
Summary of the Best Home Warranty Companies in Mississippi
Best For | Monthly Cost | Service Fee | Response Time | BBB Rating | Link | ||
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American Home Shield | ![]() | Best for Comprehensive Coverage | $64–$74 | $100–$125 | Up to 48 hours | B | VISIT SITE |
Liberty Home Guard | ![]() | Best Customer Ratings | $49–$60 | $65–$125 | Up to 48 hours | A | VISIT SITE |
Select Home Warranty | ![]() | Best Value | $44–$48 | $60–$75 | 48-84 hours | B- | VISIT SITE |
AFC Home Club | ![]() | Best for Customization | $48–$55 | $75–$125 | 24-48 hours | B | VISIT SITE |
American Home Shield | |
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Best For | Best for Comprehensive Coverage |
Monthly Cost | $64–$74 |
Service Fee | $100–$125 |
Response Time | Up to 48 hours |
BBB Rating | B |
Liberty Home Guard | |
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Best For | Best Customer Ratings |
Monthly Cost | $49–$60 |
Service Fee | $65–$125 |
Response Time | Up to 48 hours |
BBB Rating | A |
Select Home Warranty | |
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Best For | Best Value |
Monthly Cost | $44–$48 |
Service Fee | $60–$75 |
Response Time | 48-84 hours |
BBB Rating | B- |
AFC Home Club | |
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Best For | Best for Customization |
Monthly Cost | $48–$55 |
Service Fee | $75–$125 |
Response Time | 24-48 hours |
BBB Rating | B |
Annual Home Warranty Cost Calculator
Our team created a calculator to break down the estimated annual cost of owning a home warranty. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.
Appliance | Average Repair Cost | Average Replacement Cost |
---|---|---|
Dehumidifier | $50–$200 | $1,300–$2,800 |
Microwave | $50–$400 | $60–$2,000 |
Dishwasher | $50–$500 | $400–$3,000 |
Exhaust Fans | $16–$300 | $250–$950 |
Electric Range | $100–$500 | $230–$3,000 |
Gas Range | $100–$500 | $230–$3,000 |
Dryer | $100–$400 | $450–$2,300 |
Oven | $100–$430 | $400–$3,000 |
Washer | $50–$450 | $400–$2,300 |
Freezer | $90–$500 | $160–$2,900 |
Refrigerator | $40–$350 | $200–$5,000 |
Lifespan and repair cost data sourced from InterNACHI and Home Depot
- Response Time: 48 hours
- State Availability: 50 states
- Service Call Fee: $65–$125
Liberty Home Guard (LHG) offers three coverage plans, a 60-day workmanship guarantee, and more than 30 add-ons. LHG also provides accessible customer service via its live-chat feature on its website.
Why We Chose Liberty Home Guard
Liberty Home Guard earned 4.5 out of 5 stars in our rating system. It has the best customer ratings of any home warranty provider on this list, holding an A rating* with the BBB and 4.7 out of 5 stars on Google Reviews. We recommend LHG for homeowners with specific coverage needs, as it offers an extensive list of add-ons ranging from pool coverage to water softeners.
Our team spoke with multiple customer representatives to learn how well LHG handles customer inquiries. Based on our experiences, we believe it holds up to its stellar ratings, with each representative picking up the phone quickly and answering all our questions thoroughly.
Pros and Cons
Plans and Pricing
Liberty Home Guard offers three service plan options: Appliance Guard, Systems Guard, and Total Home Guard. Unlike providers with flexible service call fees, LHG assigns a service call fee to your account based on your plan, add-on selections, and location. According to the representative we spoke with, service fees range from $65 to $125. All LHG’s covered items are subject to a $2,000 coverage cap and a 60-day workmanship guarantee.
Below are the monthly prices for LHG plans. Expect to pay between $600 and $720 annually. Per our research, LHG offers two additional months of coverage if you sign up for an annual plan. LHG allows you to pull a quote over the phone or online.
Here are details on LHG’s plans and optional add-on coverage:
- Appliance Guard ($49.99 per month): Covers appliances, such as dishwashers, clothes washers, and dryers
- Systems Guard ($54.99 per month): Covers built-in systems, such as air conditioning, heating, ductwork, and water heater
- Total Home Guard ($59.99 per month): Covers all the items in the Appliance Guard and Systems Guard plans
- Optional add-ons: Up to 38 options, including pest control, re-key service, gutter cleaning, floor cleaning, and generator coverage. When we pulled our quote, we were informed that pest control coverage costs an extra $15 monthly.
Liberty Home Guard’s service contract provides additional coverage information for each plan.
What To Expect
Pulling a quote from Liberty Home Guard is straightforward. First, you fill out basic personal information such as your name, phone number, and email. Then, you input your home’s address, type, and whether it is larger or smaller than 5,000 square feet. LHG will then display your home’s customized monthly premium.
Liberty Home Guard offers solid coverage for the price. Its $2,000 coverage cap applies to all covered items except electrical and plumbing systems. In addition, it offers the most add-on coverage options compared to other providers. This makes LHG a great choice if you have unique items that need coverage.
Note that LHG doesn’t allow you to choose your service provider since it works with its network of technicians. However, if LHG can’t source a technician from its network near you, it allows you to source your own.
In reading customer reviews, we found that consumers’ experiences aligned with ours when contacting LHG’s customer service. Many reviewers noted the helpfulness of representatives and how quickly they resolved issues. We experienced this responsiveness each time we called or used its live-chat feature.
- Response Time: 48 hours
- State Availability: 50 states
- Service Call Fee: $65–$125
Liberty Home Guard (LHG) offers three coverage plans, a 60-day workmanship guarantee, and more than 30 add-ons. LHG also provides accessible customer service via its live-chat feature on its website.
Why We Chose Liberty Home Guard
Liberty Home Guard earned 4.5 out of 5 stars in our rating system. It has the best customer ratings of any home warranty provider on this list, holding an A rating* with the BBB and 4.7 out of 5 stars on Google Reviews. We recommend LHG for homeowners with specific coverage needs, as it offers an extensive list of add-ons ranging from pool coverage to water softeners.
Our team spoke with multiple customer representatives to learn how well LHG handles customer inquiries. Based on our experiences, we believe it holds up to its stellar ratings, with each representative picking up the phone quickly and answering all our questions thoroughly.
Pros and Cons
Plans and Pricing
Liberty Home Guard offers three service plan options: Appliance Guard, Systems Guard, and Total Home Guard. Unlike providers with flexible service call fees, LHG assigns a service call fee to your account based on your plan, add-on selections, and location. According to the representative we spoke with, service fees range from $65 to $125. All LHG’s covered items are subject to a $2,000 coverage cap and a 60-day workmanship guarantee.
Below are the monthly prices for LHG plans. Expect to pay between $600 and $720 annually. Per our research, LHG offers two additional months of coverage if you sign up for an annual plan. LHG allows you to pull a quote over the phone or online.
Here are details on LHG’s plans and optional add-on coverage:
- Appliance Guard ($49.99 per month): Covers appliances, such as dishwashers, clothes washers, and dryers
- Systems Guard ($54.99 per month): Covers built-in systems, such as air conditioning, heating, ductwork, and water heater
- Total Home Guard ($59.99 per month): Covers all the items in the Appliance Guard and Systems Guard plans
- Optional add-ons: Up to 38 options, including pest control, re-key service, gutter cleaning, floor cleaning, and generator coverage. When we pulled our quote, we were informed that pest control coverage costs an extra $15 monthly.
Liberty Home Guard’s service contract provides additional coverage information for each plan.
What To Expect
Pulling a quote from Liberty Home Guard is straightforward. First, you fill out basic personal information such as your name, phone number, and email. Then, you input your home’s address, type, and whether it is larger or smaller than 5,000 square feet. LHG will then display your home’s customized monthly premium.
Liberty Home Guard offers solid coverage for the price. Its $2,000 coverage cap applies to all covered items except electrical and plumbing systems. In addition, it offers the most add-on coverage options compared to other providers. This makes LHG a great choice if you have unique items that need coverage.
Note that LHG doesn’t allow you to choose your service provider since it works with its network of technicians. However, if LHG can’t source a technician from its network near you, it allows you to source your own.
In reading customer reviews, we found that consumers’ experiences aligned with ours when contacting LHG’s customer service. Many reviewers noted the helpfulness of representatives and how quickly they resolved issues. We experienced this responsiveness each time we called or used its live-chat feature.
- Response Time: 48 hours
- State Availability: 47 states (excluding Nevada, Wisconsin, and Washington)
- Service Call Fee: $60–$75
Select Home Warranty provides affordable coverage plans for those who need basic coverage. It offers appliance-only, systems-only, and combination plans. In addition, Select offers a service call fee under $80 per claim.
Why We Chose Select Home Warranty
Select Home Warranty scored 4.3 out of 5 stars in our review standards. It’s an affordable home warranty with all plans costing less than $50 per month. Select stands out by offering roof-leak repair coverage in each protection plan. Home warranty companies don’t typically offer roof-leak coverage without an additional fee.
Pros and Cons
Plans and Pricing
Select Home Warranty offers three plan options: Bronze Care, Gold Care, and Platinum Care. Select charges a $60–$75 service call fee per claim. Our team discovered via secret shopping that Select offers its lower service call fee as an over-the-phone deal only. After reviewing Select’s sample contract, we found it covers HVAC systems up to $3,000. However, Select limits other covered systems, such as plumbing and electrical, plus appliances, to a $500 coverage cap. Select’s plans include a 30-day workmanship guarantee.
Select Home Warranty offers monthly and annual premium options. Expect to pay between $533 and $573 annually. According to the quote we pulled, Select offers up to $150 off and two additional months of coverage if you choose an annual premium. It lets you pull a quote by calling or using its online tool.
Here are more details about Select Home Warranty’s plans:
- Bronze Care ($44.42 per month): Covers appliances, such as clothes washers and dryers, garbage disposals, refrigerators, and cooktops
- Gold Care ($44.42 per month): Covers systems, such as air conditioning, heating, plumbing, electrical systems, water heaters, and ductwork
- Platinum Care ($47.75 per month): Covers all the appliances and built-in systems in the Bronze and Gold Care plans, plus garage door openers and ceiling fans
- Optional add-ons: Central vacuums, lawn sprinkler systems, pools, septic systems, spas, stand-alone freezers, sump pumps, and well pumps. Select Home Warranty also offers low prices for its add-ons. For example, it charges less than $4 monthly for central vacuum coverage.
Check out Select Home Warranty’s sample contract, which outlines the terms and conditions of each coverage plan.
What To Expect
Select’s quote tool works similarly to other providers in this article. It first asks for your ZIP code. Then, it asks for your name, phone number, and email. It doesn’t, however, ask for your property’s address. This helps streamline the quote process.
Select is worth considering for homeowners who need basic home protection. Its coverage caps for essential systems and appliances are much lower than other providers, making it difficult to recommend from a coverage standpoint. However, it offers some of the most affordable fees, and it lets you choose your service provider as long you obtain Select’s approval first.
We also discovered that Select prefers to communicate strictly over the phone for claims and plan issues. Several customers on third-party consumer review sites, such as the BBB and Trustpilot, note that Select’s customer service department is difficult to get ahold of. Therefore, we recommend carefully considering your needs and budget before signing up for Select Home Warranty.
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.
Our Conclusion
The companies listed above 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
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.
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.
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.
How Do I Find the Best Home Warranty Company in My Area?
Find in-depth reviews on the best home warranty companies for each state and major US city below.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Our Rating Methodology
The This Old House Reviews Team backs up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.