Best Home Warranty Companies In South Dakota 2024

Our Picks: 5 Best Home Warranty Companies For south dakota Residents

With numerous options available, choosing the right one can be overwhelming. Below is a list of the best home warranty companies in South Dakota, helping you navigate your options and find the perfect fit for your needs and budget.

Best For Add-ons

4.7 |

Excellent

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

Customizable plan durations
Extensive range of optional add-on coverages
Limited availability for roof leak and pest control coverage

Cons

No fixed service fee is provided

Plans, Cost & Coverage

Liberty Home Guard provides three main plan choices. Appliance Guard protects things like your fridge, washer, and dishwasher. Systems Guard covers your AC, heater, ducts, and similar systems. Total Home Guard combines the coverage from both basic plans.

	Appliances Guard	Systems Guard	Total Home Guard
Monthly Plan	$49.99/Month	$54.99/Month	$59.99/Month
Annual Plan	$499.99/Annum	$549.99/Annum	$599.99/Annum

Appliances Guard

Coverage for 9 essential household appliances like refrigerators, ovens, and dishwashers
Protection against mechanical failures and malfunctions resulting from normal wear and tear
Cost-effective plan tailored to safeguard commonly prone-to-breakdown appliances

Systems Guard

Comprehensive coverage for 6 major home systems, such as HVAC, electrical, and plumbing
Ideal for homeowners seeking comprehensive coverage for their home’s essential systems

Total Home Guard

All-inclusive coverage for both appliances and home systems, offering maximum protection
Comprehensive protection against mechanical failures, malfunctions, and normal wear and tear
Liberty Home Guard’s most extensive plan provides peace of mind for homeowners seeking comprehensive coverage

Why We Picked It?

South Dakota residents looking for a home warranty should consider Liberty Home Guard. They offer various plans with coverage for major systems and appliances, potentially saving money on repairs. With a set monthly or annual fee and a service call charge, you’ll know what to expect budget-wise.

Best For Comprehensive Plans

3.7 |

Excellent

1^st month free + Free roof coverage

Monthly Cost

$46 - $55

Service Fee

$75 - $125

Response Time

Up to 48 hours

Pros & Cons

Pros

Budget-friendly option
Basic coverage for essential appliances
Strong brand reputation

Cons

Limited coverage & higher deductibles

Plans, Cost & Coverage

Choice Home Warranty plans start at $49 for the Basic Plan and go up to $58 for the Total Plan. One-time payments for the annual plans are nearly $565 and $660, respectively. Choice Home Warranty offers an annual aggregate coverage of $3,000 for systems and appliances.

Plans	Monthly	Yearly
Basic Plan	$49.74	$564.98
Total Plan	$58.14	$658.70

Basic Plan

Coverage for 14 essential home systems
Protection for major household appliances
Ideal for homeowners seeking basic coverage

Total Plan

Comprehensive coverage for all major home systems and appliances
Includes protection for items covered under the Basic Plan and additional coverage for items like the refrigerator, washer, and dryer
Suitable for homeowners looking for maximum coverage

Why We Picked It?

Choice Home Warranty offers multiple plans, allowing you to tailor coverage to your needs. Whether you prioritize major systems like heating and plumbing or essential appliances, Choice likely has a plan to fit the bill. The cost structure is straightforward, with a set monthly or annual fee and a standard service call fee per repair request.

Best For Lifetime Service Warranty

3.7 |

Excellent

Monthly Cost

$33 - $56

Service Fee

$75 - $125

Response Time

Pros & Cons

Pros

Customizable plans
Good customer service
Free roof leak protection

Cons

Limited availability in some areas

Plans, Cost & Coverage

AFC’s plans range from $35 to $89 monthly. The Silver Plan begins at $35.52 per month, followed by the Gold Plan at $49.75 and the Platinum Plan at $54.58 monthly. In South Dakota, AFC also has its Diamond Plan, which costs $89.17. Plan costs vary depending on the selected service fee, which ranges from $75 to $125.

Silver Plan

Appliance coverage only (refrigerator, dishwasher, oven/range, etc.)
Budget-friendly option
Ideal for homeowners who want to protect just their appliances

Gold Plan

Covers 3 major systems (electrical, plumbing, and heating/cooling)
Includes appliance coverage from Silver Plan
Protection for core home functions

Platinum Plan

All-inclusive coverage (appliances, systems, plus extras)
Built-in microwave and plumbing stoppage included
Top-tier protection for peace of mind

Diamond Plan

Platinum Plan benefits
Pool and spa equipment coverage (optional add-on in most states)
Ultimate home warranty protection

Plans	Silver Plan	Gold Plan	Platinum Plan	Diamond Plan
Monthly	$35.25	$49.75	$54.58	$89.17
Annually	$356	$530	$588	$953

Why We Picked It?

South Dakota residents choose AFC Home Warranty because of its range of plans that cater to different needs. AFC Home Club stood out due to its slightly above-average range of plans within the industry. What sets AFC apart is its provision of free credit monitoring and emergency alert services, offering added value to customers. Combining competitive pricing and supplementary benefits contributes to the company’s strong market presence.

Best For Affordable Coverage

3.8 |

Excellent

$150 off + Free roof coverage + 2 months free

Monthly Cost

$44 - $47

Service Fee

$60 - $75

Response Time

12 - 48 hours

Pros & Cons

Pros

Customizable plans
Good customer service
Free roof leak protection

Cons

Limited availability in some areas

Plans, Cost & Coverage

Select Home Warranty offers a variety of plans to suit different needs. The Bronze Care and Gold Care plans are available starting at $44.42 per month, with annual plans costing $479.99. For those seeking enhanced coverage, the Platinum Care plan is priced at $47.75 for monthly payments or $524.99 for yearly payments.

Select Home Warranty sets coverage limits at $3,000 for HVAC and $2,000 for other systems and appliances, ensuring protection for essential home components.

	Bronze Care	Gold Care	Platinum Care
Cost/Month	$44.42	$44.42	$47.75
Cost/Annum	$479.99	$479.99	$524.99

Bronze Plan

Protection for eight key household appliances, including the refrigerator, oven, and dishwasher
Affordable plan ideal for homeowners seeking budget-friendly coverage for essential systems and appliances

Gold Plan

Enhanced coverage for seven major home systems, including HVAC, plumbing, and electrical
Suitable for homeowners seeking comprehensive coverage for both systems and appliances at a competitive price point

Platinum Plan

Comprehensive coverage for all major home systems and appliances, offering the highest level of protection
Includes coverage for items covered under the Bronze and Gold Plans, plus additional items like the garage door openers and ceiling fans
Ideal for homeowners looking for maximum peace of mind and comprehensive protection against unexpected breakdowns and malfunctions

Why We Picked It?

South Dakota residents seeking a balance between affordability and appliance/system protection might find Select Home Warranty a worthy option. Cost-wise, they offer predictable budgeting with a set monthly or annual fee and a standard service call charge per repair request.

This transparency can be a major perk compared to the unknown costs of individual repairs. However, remember to evaluate the plan details to understand what’s covered and excluded.

Highly Rated By Customers

4.7 |

Excellent

$150 Off + 2 Months Free

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

Pros & Cons

Pros

Provides a 30-day free trial
Has a wide list of 27 add-on options
Provides a 90-day workmanship guarantee

Cons

The website lacks proper pricing details

Plans, Cost & Coverage

Elite Home Warranty offers three distinct service plans tailored to meet varying needs: Elite Appliances, Elite Systems, and the comprehensive Elite Complete Plan. Take a look at the table below to learn more about the plans and pricing:

Plans	Elite Appliances	Elite Systems	Elite Complete
Service Call $70	$43.99	$48.99	$58.99

Elite Appliances

Covers 14 essential appliances such as refrigerators, stoves, dishwashers, and more
Provides prompt repair or replacement services for covered appliances
Ideal for those seeking extensive appliance coverage and peace of mind

Elite Systems

Protects seven critical home systems, including HVAC, plumbing, and electrical
Offers 24/7 customer support for quick assistance in case of system failures
Ideal for individuals seeking comprehensive home system coverage

Elite Complete

Combines the coverage of both appliances and systems for comprehensive protection
Streamlines the warranty process by covering all major components of your home
Provides added benefits such as priority service and discounted repair costs for complete peace of mind

Why We Picked It?

Elite Home Warranty is an excellent option for homeowners seeking reliable protection. With substantial coverage limits of $7,000 for appliances and $8,000 for systems, it delivers exceptional value, particularly compared to providers offering significantly lower limits for major items.

Are Home Warranty Plans Beneficial For South Dakota Homeowners?

Home warranty plans offer protection against these costs, but are they truly beneficial for South Dakota homeowners? Let's explore the key factors to consider.

South Dakota experiences diverse weather conditions, including harsh winters, heavy snowfall, and freezing temperatures. Home warranty plans offer coverage for essential systems like heating, plumbing, and electrical, ensuring homeowners have assistance when these systems malfunction due to extreme weather.
South Dakota's geographical conditions, such as expansive plains and rolling hills, can lead to unique home maintenance challenges. Home warranty plans typically cover appliances and systems affected by wear and tear due to these conditions, providing peace of mind to homeowners.
Home appliances like refrigerators, washers, and dryers are susceptible to wear and tear, especially in areas with fluctuating temperatures like South Dakota.
The extreme temperatures experienced in South Dakota necessitate reliable heating and cooling systems. Home warranty plans often include coverage for HVAC systems, ensuring prompt repairs or replacements if they malfunction, regardless of age or condition.
With South Dakota's cold winters, frozen pipes and plumbing issues are common concerns for homeowners. Home warranty plans typically cover plumbing repairs, including issues caused by freezing temperatures, helping homeowners avoid costly repairs.
Electrical problems can arise due to aging infrastructure or weather-related damage. Home warranty plans cover electrical system repairs, ensuring homeowners can promptly address any issues without bearing the full financial burden.

How Much Does A South Dakota Home Warranty Cost?

Here's a general idea of what you might expect to pay for a South Dakota home warranty:

Average Annual Cost

$400 - $800

Average Monthly Cost

$33 - $67

Average Service Fee (Deductible)

$65 - $150

The exact cost of a South Dakota home warranty can vary depending on several factors, including:

Coverage level: More comprehensive plans with broader coverage will cost more than basic plans.
Home size & age: Larger and older homes typically require higher premiums.
Deductible: Choosing a higher deductible can lower your monthly cost, but you'll pay more out of pocket for repairs.
Blizzards & Heating System Coverage: South Dakota's brutal winters highlight the importance of a reliable heating system. Warranties with robust coverage for heating repairs (especially during peak winter months) tend to cost more compared to plans in milder climates.
Age Of Home: Older homes, common throughout South Dakota, may have aging plumbing and electrical systems. Warranties with coverage for these systems often come at a premium compared to plans designed for newer homes.
Distance To Service Providers: South Dakota's vastness can mean technicians travel long distances for repairs. This can lead to higher service call fees, affecting the overall warranty cost.
Well Dependence: If your South Dakota home relies on a well for water, consider a warranty plan with coverage for well pump breakdowns. This specific add-on can increase the overall cost.
Limited Competition: With a potentially smaller pool of home warranty companies operating in South Dakota compared to densely populated states, competition might be lower, potentially influencing pricing.
Summer's Strain On AC Units: Extreme summer heat can overwhelm AC units. Warranties offering coverage for air conditioning repairs, especially during peak summer months, may cost slightly more than plans without this feature.

Home Warranty Coverage In South Dakota

A home warranty in South Dakota can protect against the harsh realities of winter and summer extremes, alongside the usual wear and tear on your home’s systems and appliances. Here’s a quick breakdown:

Common Coverages

Heating and air conditioning (HVAC) systemsCrucial for surviving sweltering summers and frigid winters in South Dakota.
Water heatersEspecially important during cold South Dakota winters to ensure consistent hot water.
Plumbing systems (including sump pumps)Common in South Dakota basements, sump pumps help prevent water damage.
Electrical systemsEssential for ensuring the safe and proper functioning of all your appliances and devices.
Kitchen appliances (dishwashers, refrigerators, ovens)Protect yourself from the cost of replacing essential kitchen appliances.
Laundry appliances (washers, dryers)Keep your laundry routine running smoothly without unexpected repair costs.
Garage door openersCoverage for garage door openers is especially beneficial during harsh South Dakota winters, as it prevents them from getting stuck outside.

Common Exclusions

Cosmetic DamageScratches, dents, or other non-functional issues typically aren’t covered.
Pre-existing ConditionsExisting problems with appliances or systems before the warranty starts are not covered.
Routine MaintenanceThe homeowner generally has responsibility for systems and appliance maintenance, which is crucial for preserving their longevity and functionality.
Pool & Spa EquipmentNot all warranties cover these, so check.
Septic SystemsNot all warranties cover these, so check, especially in rural areas.
Well PumpsEspecially common in rural areas, well pumps may not be covered by all warranties, so check.

Additional Points to Consider

Coverage limitsWarranties may have maximum payouts for specific repairs or replacements.
DeductibleYou’ll pay this out of pocket for each service call before the warranty coverage kicks in.
Additional coverage optionsSome companies offer optional coverages like roof leak protection.
Company reputation and responsivenessResearch the company’s reputation for customer service and claim resolution.

Who regulates Home Warranty Companies In South Dakota?

Unlike several other states, South Dakota doesn't have specific regulations governing home warranty companies. This means no state-mandated licensing requirements or minimum standards exist for these companies operating in South Dakota.

However, there are still ways to ensure some level of protection and transparency:

National Home Service Contract Association (NHSCA): Look for companies that are members of the NHSCA, which has a code of ethics and accepts complaints from homeowners against member companies.

South Dakota Division of Insurance: While they don't regulate warranties, you can file a complaint if you have issues with a home warranty company.

Final Word

While South Dakota offers various home warranty companies, the "best" choice depends on your needs, budget, and risk tolerance. Research coverage options, exclusions, pricing, and company reputation thoroughly. Home warranties aren't a substitute for regular maintenance, and unexpected costs may still arise. Ultimately, a home warranty can provide valuable protection, but approach it with informed decision-making.

Frequently Asked Questions (FAQs)

Who Pays For A Home Warranty?

The responsibility for paying for a home warranty can vary and is often negotiable in real estate transactions. Traditionally, it has been common for sellers to offer and pay for a home warranty to attract potential buyers and provide assurance about the condition of the home’s major systems and appliances.

However, in some cases, buyers may request a home warranty as part of the purchase agreement or negotiate with the seller to cover the cost.

How Soon Can I Use A Home Warranty After Purchase?

The ability to use a home warranty after purchase depends on the terms specified in the contract. Generally, there is often a waiting period, commonly referred to as a “waiting period” or “effective date,” before coverage begins. This waiting period can vary among home warranty providers but typically ranges from 30 to 60 days.

What Are The Most Common Appliance Repairs In South Dakota?

In South Dakota, residents commonly report appliance repairs for furnaces, dishwashers, and air conditioning units. Harsh winters contribute to furnace issues such as faulty igniters or thermostat malfunctions.

Dishwashers often need attention for problems like clogged drains or malfunctioning pumps. During hot summers, air conditioning units may require repairs for cooling inefficiencies or electrical issues.

Are Home Warranties Worth It In South Dakota?

Yes, home warranties hold substantial value for South Dakota residents. Given the state’s varied climate conditions, a home warranty proves particularly worthwhile, offering financial protection and assurance.

Best Home Warranty Companies In south dakota 2024

Our Picks: 5 Best Home Warranty Companies For south dakota Residents

Are Home Warranty Plans Beneficial For South Dakota Homeowners?

How Much Does A South Dakota Home Warranty Cost?

Home Warranty Coverage In South Dakota

Common Coverages

Common Exclusions

Additional Points to Consider

Who regulates Home Warranty Companies In South Dakota?

Final Word

Frequently Asked Questions (FAQs)

Who Pays For A Home Warranty?

How Soon Can I Use A Home Warranty After Purchase?

What Are The Most Common Appliance Repairs In South Dakota?

Are Home Warranties Worth It In South Dakota?