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 5 Home Warranty Companies

The highest-rated home warranty companies in South Dakota include these:

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


 

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. It offers plan flexibility via three protection plans and three service call fees. American Home Shield also provides generous coverage caps per covered item.

Pros & Cons
Compare a few key pros and cons for American Home Shield:

Doesn’t require a home inspection to start coverage
Includes 30-day workmanship guarantee
Provides customizable coverage with the choice in service fee

✘ Doesn’t offer many optional add-ons

Plans & Pricing

American Home Shield offers three plans: the ShieldSilver™, ShieldGold™, and ShieldPlatinum™ plans. The ShieldSilver covers a variety of home systems, whereas the ShieldGold protects home appliances. 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 $29 and $100 per month, with service fees costing between $75–$125. The higher the service fee, the lower your monthly premium.

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

Learn more: American Home Shield Review


 

Liberty Home Guard

Liberty Home Guard (LHG) is a recommended provider for those who own homes with multiple heating and cooling systems. Liberty Home Guard includes coverage for a second air conditioning and HVAC system within standard coverage plans. Other providers cover second systems as an add-on only. 

LHG also offers extensive add-on coverage, with more than 30 unique add-on coverage options, plus a 60-day workmanship guarantee on completed repairs.

Pros & Cons

Compare a few key pros and cons for Liberty Home Guard:

✔ Includes coverage for second heating and air conditioning systems within base plans
✔ Offers more than 30 unique add-on coverage options
✔ Covers up to $2,000 per covered item

✘ Lacks initial transparency regarding service call fee range
✘ Doesn’t lower your monthly premium with a higher service call fee

Plans & Pricing

LHG provides three plans for your home protection needs: the Appliance Guard, Systems Guard, and Total Home Guard. The Appliance Guard covers nine major appliances. The Systems Guard protects six major systems, and the Total Home Guard combines appliance and systems coverage into one comprehensive plan.

LHG plans range from $49 to $60 per month. Its service call fee range of $65 to $125 per filed claim is assigned based on your home’s size, location, and type, plus your plan selection.

Fill out Liberty Home Guard’s quote form or call 866-452-9107 for your free quote.

Learn more: Liberty Home Guard Review

 


 

Cinch Home Services

Cinch Home Services is another recommended provider for homeowners who value additional perks within their home warranty coverage plans. For example, Cinch offers discounts to customers who are buying new appliances, includes coverage for repair modifications via its Premier Upgrade Package, and provides a $500 reimbursement in the Complete Home Plan for your homeowners insurance deductible. 

Pros & Cons

Here are a few key pros and cons to help you decide whether Cinch is right for you:

✔ Offers 180-day workmanship guarantee
✔ Provides an easy-to-read sample contract
✔ Covers rust, corrosion, and preexisting conditions

✘ Charges higher service call fees than others on this list
✘ Doesn’t include roof-leak protection

Plans & Coverage

Cinch Home Services offers three plans: the Appliances plan, the Built-in Systems plan and the Complete Home plan. The Appliances plan covers major appliances, such as refrigerators. The Built-in Systems plan protects major systems, including ductwork, and its Complete Home Plan combines coverage for all listed items in the Appliances and Built-in Systems plans. Cinch provides a $10,000 annual coverage cap that includes every covered system, appliance, and add-on.

Cinch Home Service’s monthly plans range from $39 to $67. Cinch also offers flexibility with three service call fee options. In addition, all plans come with an air conditioner or water filter credit. 

Get a quote: Fill out the Cinch Home Services quote form or call  855-435-0489 to request your free quote.

To learn more: Cinch Home Services Review

 


 

First American Home Warranty

First American Home Warranty (FAHW) has been in business for over 35 years. First American provides generous appliance and home systems coverage caps at an affordable rate. It also offers its First Class Upgrade, which covers miscellaneous items such as appliance dials, racks, and hinges.  

Pros & Cons
Here are a few key highlights to help you decide whether First American Home Warranty is right for you:

Provides coverage for improperly installed or maintained items
Offers flexible payment options
Includes a 30-day, money-back guarantee

Provides air conditioning coverage only as an add-on
Excludes home systems in Basic Plan coverage

Plans & Pricing

First American Home Warranty has two plans—a the Basic Plan and Premier Plan. The Basic Plan covers eight appliances, and the Premier Plan covers those appliances and adds coverage for eight systems. First American provides a $3,500 coverage cap per covered appliance and an unlimited coverage cap for most covered systems. First American provides a $3,500 coverage cap per covered appliance and an unlimited coverage cap for most covered 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 from $40 to $51 per month along with an $85 service call fee.

To get a free quote from First American Home Warranty, fill out this online form or call 800-891-9778.

Learn more: First American Home Warranty Review


 

Select Home Warranty

Select Home Warranty is our final recommendation for South Dakota homeowners who prefer budget-friendly home warranty plans and quick service requests. It provides a generous coverage cap for heating and cooling systems, a low $75 service call fee, roof-leak repair coverage, and quick claims processing. In addition, Select sends a vetted service provider within 12 hours of receiving a claim during regular business hours.  

Pros & Cons

Here are a few key highlights to help you decide whether Select is right for you:

✔ Provides a $3,000 coverage cap for HVAC cooling and heating systems
✔ Grants two free months of coverage when an annual plan is purchased
✔ Includes roof-leak coverage in every plan (up to $400 annually)

✘ Limits coverage caps on certain covered items ($2,000 for HVAC; $500 for electrical, plumbing, and appliances; and $400 for add-ons)
✘ Doesn’t allow you to choose your service technician

Plans & Pricing

Select offers three coverage plans for your home’s systems and appliances: the Bronze Care, Gold Care and Platinum Care plans. The Bronze Care plan covers home appliances, while the Gold Care plan covers home systems. The Platinum Care plan combines everything listed in the Bronze Care and Gold Care plans, plus garage-door openers and plumbing stoppages.

Select Home Warranty plans range from $44 to $48 per month plus a $75 service call fee per filed claim. 

Get a quote: Fill out Select Home Warranty’s quote form or call 888-370-3956.

Learn more: Select Home Warranty Review

 


 

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 both before deciding on a provider.


 


 

Frequently Asked Questions


 

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers, and we aim to provide transparency in our review standards and research process.

Our research process includes speaking with representatives from more than 40 home warranty providers, requesting quotes, and asking clarifying questions to gain insight into each provider’s benefits and downsides. We also analyze sample contracts from each company to understand specific coverage terms.

To rate companies, we apply the data we have gathered to our review standards. These standards are on a 100-point scoring system, which is detailed below:

  • Coverage (35 points): Providers are scored based on breadth and depth of coverage. We focused on key home systems (HVAC, plumbing, and electrical), essential appliances (refrigerator, ovens, and laundry machines), and unique coverage items (such as roof-leak coverage and code violation allowances). Coverage scores are weighted by taking into account coverage caps and other limiting factors, meaning providers with greater range of coverage and higher coverage caps score the highest.
  • Value (30 points): A company’s plan value is a reflection of how well it serves the customer in comparison to what the customer pays for the policy. We accounted for monthly costs, service call fees, and cost flexibility (such as customizable service call fees, discounts, and multi-year policies).
  • Trustworthiness and Transparency (21 points): Trustworthiness and transparency are a reflection of how well the provider considers the customer’s interests. We scored items such as the length of workmanship guarantees, online availability of a sample contract, policy change flexibility, and ease of cancellation. Additionally, we scored items that reflect industry reputation and customer satisfaction, including analyzing brand reputation across the Better Business Bureau and third-party customer review aggregators.
  • Availability and Service (14 points): Quality of customer service is key to customer satisfaction. We dug into each provider’s guaranteed response times, claims processes, service flexibility, emergency availability, and more.

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