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Updated on August 30, 2023

Best Home Warranty Companies In Arkansas

For homeowners, keeping their homes in top-notch condition is a priority. However, this can be a challenge in Arkansas due to its varied climate. Hot summers and potential snowfall in winter can make household upkeep a hefty task!

As the Arkansas locals are experiencing a high cost of living and high tax rates, many have invested in home warranty plans to save money on home maintenance. Many home warranty companies in Arkansas have plans to suit every budget and coverage need of the residents of the state.

We have evaluated them and provided tips on choosing the right plan based on your requirements. Keep reading to learn more about them.

Our List of Top Home warranty companies in arkansas

ServicePlus Home Warranty
American Home Shield (AHS)
Choice Home Warranty
Liberty Home Guard
Select Home Warranty

ServicePlus Home Warranty

4.2 / 5

90-day service guarantee
Two comprehensive plans
Covers 46 states

$200 Off + 2 Months Free Coverage

Select Home Warranty

3.5 / 5

Multi-year plans
Same-day response on claims
B rating from BBB

$150 off + Free roof coverage + 2 months free

Choice Home Warranty

4 / 5

30-day labor guarantee
90-day parts guarantee
$3k dollar limits on each item

1^st month free + Free roof coverage

Disclaimer: We facilitate quotes from reputable home warranty providers and may earn a commission, but that does not influence our evaluation process to produce unbiased reviews.

Comparison Of Top Home Warranty Companies In Arkansas

Among various home warranty companies in Arkansas, we have shortlisted the best ones for you. Take a look:

comparision_img_arkansas

Best Home Warranty Companies In Arkansas: A Detailed Review

Here is an analysis of the best home warranty companies and their coverage plans. You can learn about their offers and services and choose a plan which suits you the best.

ServicePlus Home Warranty:

(Best For Customer Service)

ServicePlus Home Warranty, located in New Jersey, presents an exceptional choice for clients seeking the flexibility to personalize a comprehensive coverage plan. With two available options, homeowners can opt for plans starting from a monthly fee of $40.

Moreover, ServicePlus extends its services to include additional systems and appliances such as a second refrigerator, air conditioner, water heater, garage door opener, and more, which can be conveniently added to the coverage plan.

Pros

Offers 90-day service guarantee
Provides regular discounts on all plans

Cons

No option for a system-or-appliance-only plan

4.2/5

$200 Off + 2 Months Free Coverage

Premium

$60-$67

Sevice fee

$75

Limit

$3k/item

Plans & Coverage

Service Plus Home Warranty offers two plans: Gold Plan & Platinum Plan. The first plan covers all major home items, such as the plumbing system, electrical system, oven/range/stove, dishwasher, garbage disposal, etc. The Platinum Plan covers the a/c system, heating system, clothes washer & dryer, refrigerator, and more.

ServicePlus also has an aggregate limit of $1,500 per covered item. It indicates the company will protect the covered systems and appliances up to the given dollar limit. The table below shows some more key features of the plans.

	Covered Items	Budget Range	Suitable For	Aggregate Coverage Limit
Gold Plan	15	Low-Cost	Customers looking for basic systems and appliances coverage	$1,500
Platinum Plan	20	Moderately Expensive	Customers looking for extensive systems and appliances coverage	$1,500

Check out the table to learn more about the coverage offered under SPHW plans.

Items	Gold Plan	Platinum Plan
Plumbing System	✓	✓
Plumbing Stoppage	✓	✓
Whirlpool Bathtub	✓	✓
Water Heater	✓	✓
Oven/Range/Stove	✓	✓
Electrical System	✓	✓
Cooktop	✓	✓
Sump Pump	✓	✓
Dishwasher	✓	✓
Built-in Microwave	✓	✓
Garbage Disposal	✓	✓
Trash Compactor	✓	✓
Ductwork	✓	✓
Ceiling And Exhaust Fans	✓	✓
Garage Door Opener	✓	✓
Air Conditioning System		✓
Heating System		✓
Refrigerator		✓
Clothes Dryer		✓
Clothes Washer		✓

Add-ons

The items listed in this section are the add-ons that Arkansans can avail of at some extra cost.

Pool / Spa
Limited Roof Leak
Central Vacuum
Sump Pump
Well Pump
Septic System
Septic Pumping
Second Refrigerator
Stand Alone Freezer

Water Softener
Refrigerator Ice Maker
Free Standing Ice Maker
Additional A/C System
Additional Heating System
Additional Water Heater
Additional Garage Door Opener
Additional Oven/Range/Stove
Additional Spa

Plan Exclusions

ServicePlus Home Warranty does not cover the following:

Pre-existing conditions (known and unknown), cosmetic defects, rust, misuse, or sedimentary build-up.
Damage due to natural calamities, lightning strikes, and acts of Gods are also excluded.
Damages from pests, animals, mildew, mold, fungus, virus-related malfunctions, and items declared faulty by the Consumer Product Safety Commission will not be covered.

Cost

Per the SPHW contract, the Gold plan costs $43.25 / month, whereas the Platinum plan costs $49.92 / month. Apart from the premiums, SPHW charges a $75 deductible that customers must pay during service visits.

Plans	Premiums (Monthly)
Gold Plan	$43.25
Platinum Plan	$49.92

Editorial Take on ServicePlus Home Warranty

ServicePlus Home Warranty has established a strong reputation in the industry for providing comprehensive protection at competitive rates. The two available plans, Gold and Platinum, offer comparable coverage that suits individuals with a monthly budget of $40. Additionally, the company has a low-cost deductible, amounting to $75.

Furthermore, when customers opt for the upfront payment option, they receive only two months of free coverage and limited roof maintenance. This adds value, coupled with the regular discounts, making ServicePlus Home Warranty a budget option for Arkansas residents. As a result, we rate the company 4 out of 5 for its coverage and pricing.

ServicePlus Home Warranty maintains satisfactory ratings regarding customer service across numerous review platforms, including ours. We found that your fellow Arkansas customers have received prompt services, and the claim filing process has proven to be hassle-free.

Based on this feedback, our editorial team rates ServicePlus Home Warranty at 4 out of 5 for customer service and ease of filing claims.

American Home Shield (AHS):

(The Industry Leader)

AHS is one of the oldest and most trusted home warranty companies in the States. AHS offers three home warranty plans across the country, including Arkansas. Homeowners can pick from the three offered plans: ShieldSilver, ShieldGold, and ShieldPlatinum.

Moreover, the company provides coverage irrespective of age, pre-existing conditions, and maintenance records. With AHS, Arkansasns can select their service fee; this way, they can manage the budget per their needs.

Pros

Has a network of over 17,000 contractors
Covers undetectable pre-existing conditions

Cons

The workmanship guarantee is just for 30 days

4.0/5

Cashback, Amazon gift cards, etc. on referrals.

Premium

$29 - $99

Sevice fee

$100 & $125

Limit

$4k-$5k

Plans and Coverage

There are three plans that AHS offers to homeowners: Shield Silver, Shield Gold, and Shield Platinum. The first plan covers 14 major home systems, and the second covers 23 home systems and appliances like water heaters, dishwashers, faucets, valves, garbage disposal, etc.

The third plan offers comprehensive coverage for 23 home items and free A/C Tune-Up Service and Maintenance Services.

Let’s take a look at the AHS’ offerings:

	Covered Items	Budget Range	Suitable For	Appliances Coverage Limit	Systems Coverage Limit	Roof Leak Coverage Limit
Shield Silver	14	Low-Cost	Customers looking for just systems coverage	Not Covered	$5,000	Add on ($1000/term)
Shield Gold	23	Moderately Expensive	Customers looking for systems coverage and minimum appliance coverage	$2,000 Per Appliance Per Contract Term	$5,000	Add on ($1000/term)
Shield Platinum	23 + A/C Tune Up Service + Maintenance Services	Expensive	Customers looking for comprehensive systems and appliance coverage	$4,000 Per Appliance Per Contract Term	$5,000	$1000/term

Now, let’s understand the coverage offered under American Home Shield plans.

Items	ShieldSilver	ShieldGold	ShieldPlatinum
Refrigerator		✓	✓
Garage Door Opener	✓	✓	✓
Water Heater	✓	✓	✓
Wall Oven/Range/ Cooktop		✓	✓
Air Conditioner	✓	✓	✓
Doorbell & Chimes	✓	✓	✓
Interior Electrical Lines	✓	✓	✓
Faucets & Valves	✓	✓	✓
Interior Plumbing Lines	✓	✓	✓
Whirlpool Tub Motor & Components	✓	✓	✓
Main Breaker & Fuse Panel Box	✓	✓	✓
Built-In Exhaust, Vent & Attic Fans	✓	✓	✓
Heating Unit	✓	✓	✓
Washers	✓	✓	✓
Dryers		✓	✓
Dishwasher		✓	✓
Built-In Microwave Oven		✓	✓
Ceiling Fans	✓	✓	✓
Garbage Disposal		✓	✓
Ductwork		✓	✓
Toilet	✓	✓	✓
Instant Hot/Cold Water Dispenser		✓	✓
Shingles, Tiles, And Shakes			✓
Flat (Non-Metal) Roofing			✓
Flashing			✓
Underlayment			✓
HVAC Tune-Up			✓
Unlimited A/C Refrigerant			✓
Coverage For Code Violations And Permits			✓
Roof Leak Repairs			✓

Add-ons

Along with the regular plans, customers can take advantage of the following items as add-ons in exchange for some extra dollars.

Pool or Spa
Septic Pump
Well pump
Guest Unit
Electronics Plan
Roof Leak Repair

Plan Exclusions

Your American Home Shield contract will not cover routine maintenance, ventilation, exhaust lines, chimneys, or cosmetic damage.
Some home management systems, such as fire sprinklers and radon monitoring systems, are also not covered.
Damages from mold, bio-organic growth, rot, fungus, and pests are not covered.

Also, the company has coverage limitations on how much liability it has when repairing and replacing any of the covered items.

Cost:

In Arkansas, American Home Shield plans range between $34 to $76 per month, depending on the two deductible options: $100 and $125. We extracted details and curated the following table to help you understand the AHS pricing better. Check it out below.

Deductible	Shield Silver	Shield Gold	Shield Platinum
$125	$34.99	$48.99	$69.99
$100	$41.99	$55.99	$76.99

Editorial Take On AHS

American Home Shield provides three plans in Arkansas that offer homeowners both separate and combinational coverage. These comprehensive plans encompass all essential home items for which Arkansas homeowners require coverage.

Moreover, in Arkansas, the average age of the houses is almost 40 years, and thus, the systems and appliances will be quite old. AHS offers coverage for equipment regardless of age, which makes it a good choice. Hence, we rate AHS 4/5 for coverage!

However, it is important to note that American Home Shield’s pricing structure in Arkansas differs from other states. For instance, the Shield Silver basic plan costs $29.99 in other areas but $34.99 in Arkansas. Although the premiums may appear slightly higher here, American Home Shield strives to alleviate this burden by offering a generous 30% discount on all three plans. Thus, we assign a rating of 3/5 for their pricing in Arkansas.

Regarding customer experience, American Home Shield stands out as a company that has amassed many positive reviews on our platform. Feedback from Arkansas customers particularly emphasizes satisfaction with the company’s prompt services and immediate responses to their requests.

Furthermore, the quality of technicians provided by American Home Shield consistently meets expectations. Given these favorable aspects, we rate American Home Shield 4/5 for its customer experience.

Choice Home Warranty:

(Provides Bonus Services)

Choice Home Warranty has been on the market for over 14 years and is known for its various offerings. These include 90 days of guaranteed repair, affordable pricing, simple plans, and a vast network of 25,000 contractors. The company offers two plans: The Basic plan and the Total plan, starting from $50 monthly.

Moreover, Choice has a record of processing 6 million service requests so that Arkansas homeowners can expect round-the-clock service from the company!

Pros

Offers free roof leak coverage
Has a network of 25,000 contractors

Cons

The low coverage limit on the plans

4.0/5

1^st Month Free
+
Free Roof Coverage

Premium

$46-$55

Sevice fee

$75 - $125

Limit

Upto $3K/item

Plans and Coverage

Choice offers two plans: Basic and Total. The coverage offered under these plans varies across the States, including Arkansas. The Basic Plan covers 14 home systems and appliances, and the Total Plan covers everything from the basic with a few optional add-ons. They also offer the first month free with limited roof coverage.

We have curated the following table to show the key features of CHW’s offerings. Take a look:

	Covered Items	Budget Range	Suitable For	Roof Leak Coverage Limit	Overall Coverage Limit
Basic Plan	14	Low-Cost	Homeowners looking for appliance and minimum systems coverage	$500	$3000 per contract term
Total Plan	18	Moderately Expensive	Homeowners seeking protection for basic and costlier appliances and systems	$500	$3000 per contract term

The items below are the items that you can get covered on the purchase of CHW plans. Take a look.

Items	Basic Plan	Total Plan
Ductwork	✓	✓
Built-in Microwave	✓	✓
Heating System	✓	✓
Plumbing System	✓	✓
Plumbing Stoppage	✓	✓
Electrical System	✓	✓
Water Heater	✓	✓
Dishwasher	✓	✓
Cooktop Oven/Range/Stove	✓	✓
Garbage Disposal	✓	✓
Built-in Microwave	✓	✓
Garage Door Opener	✓	✓
Ceiling & Exhaust Fans	✓	✓
Whirlpool Bathtub	✓	✓
Air Conditioning System		✓
Refrigerator		✓
Clothes Washer		✓
Clothes Dryer		✓

Add-ons:

Apart from the regular plans, the following are optional add-ons that you can include in your plans at an extra cost.

Pool / Spa
Limited Roof Leak
Additional Spa
Stand Alone Freezer
Central Vacuum
Second Refrigerator
Well Pump
Septic System
Sump Pump
Septic Tank Pumping

Plan Exclusions

According to Choice’s sample contract, the company will not cover damages due to lack of maintenance, neglect, unforeseen circumstances, etc.
Items with pre-existing conditions are also exempt from coverage.

Cost:

The basic plan costs $51.22 monthly and $581.88 annually, and the Total plan comes at around $59.88 monthly and $685.78 annually. If you pay annually, the company offers a month of free coverage, meaning you get 13 months.

CHW charges service fees from $75 to $150, which you must pay during each service visit.

Plan	Premiums (Monthly)	Premiums (Yearly)
Basic Plan	$51.22	$581.88
Total Plan	$59.88	$685.78

Editorial Take On CHW

In terms of coverage, Choice Home Warranty offers two plans, namely Basic and Total, which provide comprehensive coverage for both systems and appliances. However, CHW imposes a limit of $3,000 for repair and replacement services, which is relatively lower.

Additionally, the company incorporates certain exclusions, such as the lack of coverage for pre-existing conditions. Hence, we rate them 3.5/5 for coverage.

CHW plans are generally reasonably priced; the Basic plan is particularly suitable for Arkansas residents seeking standard coverage within a monthly budget of $50 or more. However, it is worth noting that the company adds an extra $2.5 to monthly payments, a practice that customers have not received well. Consequently, we assign CHW a rating of 3/5 for their pricing.

Regarding customer services, Choice provides a 24/7/365 hotline for customers to file claims, ensuring their support is accessible round-the-clock. Moreover, the company maintains a network of 25,000 contractors who assist homeowners after claim filing.

Notably, CHW distinguishes itself by offering a 90-day repair guarantee, a feature not commonly provided by others in the industry. As a result, we rate CHW 4/5 for customer support and provided workmanship.

Liberty Home Guard:

(Best For Add-Ons)

Liberty Home Guard has solidified its position as one of the leading home warranty providers, consistently garnering an A rating from BBB over the past six years. Arkansas residents particularly benefit from LHG’s cost-effective solutions, with the most comprehensive plan available at a monthly rate of just $59.

In addition to affordability, LHG stands out with its commitment to customer satisfaction. Operating round the clock, their 24-hour service ensures timely assistance when needed.

Pros

Offers a live chat option
Offers pest control services

Cons

Lower coverage limits

4.5/5

$200 Off + 2 Months Free + Free Limited Roof Leak Coverage + Free Gift

Premium

$50-$60

Sevice fee

$90

Limit

$2k/Item

Plans and Coverage

Liberty Home Guard offers three plans to homeowners- Systems Guard, Appliance Guard, and Total Home Guard. The first two plans offer separate coverage for systems and appliances, respectively. These include plumbing, electrical, air conditioning systems, and kitchen and bathroom items.

The third plan, Total Home Guard, provides exhaustive coverage by including everything from the other two.

Now, Let’s learn more about the features and benefits of Liberty’s plans. Take a look at the table below.

	Covered Items	Budget Range	Suitable For	Coverage Limit For Plumbing, Electrical & Optional Coverage	Overall Coverage Limit
Appliance Guard	9	Low-Cost	Customers looking for coverage of appliances only	$500	$2,000
Systems Guard	6	Moderately Expensive	Customers looking for coverage of systems only	$500	$2,000
Total Home Guard	15	Moderately Expensive	Customers looking for a comprehensive coverage	$500	$2,000

Find out the coverage plans here.

Items	Appliance Guard	Systems Guard	Total Home Guard
Dishwasher	✓		✓
Refrigerator	✓		✓
Ranges/Ovens/Cooktops	✓		✓
Clothes Washer	✓		✓
Clothes Dryer	✓		✓
Built-in Microwave	✓		✓
Garbage Disposals	✓		✓
Ceiling and Exhaust Fans	✓		✓
Garage Door Openers	✓		✓
Air Conditioning		✓	✓
Heating		✓	✓
Plumbing		✓	✓
Electrical		✓	✓
Ductwork		✓	✓
Water Heaters		✓	✓

Add-ons

There are 38 add-ons available for you to choose from the following list:

Pool And/Or Spa Equipment
Septic System Pumping
Well Pump
Sump Pump
Central Vacuum
Stand Alone Freezer
Second Refrigerator
Limited Roof Leak
Water Softener
Re-Key
Additional Spa
Lighting Fixtures
Gutter Cleaning
Pest Control
Carpet Cleaning
Trash Compactor
Lawn Sprinkler System
Electronics Protection
Swamp Cooler
Ejector Pump

Ice Maker (In-Fridge)
Freestanding Ice Maker
Wine Cooler/Fridge
Salt Water Pool
Generator
Plumbing Fixtures
Grinder Pump
Water Dispenser Water Line
Instant Hot Water Dispenser
Reverse Osmosis Water Filter System
Pro-Series Refrigerator Coverage
Pro-Series Range/Oven/Cooktop Coverage
Pro-Series Dishwasher Coverage
Pro-Series Microwave
Pro-Series Washing Machine
Pro-Series Clothes Dryer
Window Washing/Cleaning
Casita Guest Unit

Plan Exclusions

Liberty has certain exclusions, and the contract does not cover the following:

Vents, exhaust lines, chimneys, glass parts and components, cosmetic defects, any costs associated with refrigerant, and defects in manufacturing, construction, or production are also excluded.
Electronic, computerized, or internet-based parts, remote receiving, or transmitting devices.
Damages from accidents, fire, floods, water damage, electrical failure, Acts Of God, and known and unknown pre-existing conditions will not be covered.

Cost

Liberty Home Guard prices are mostly similar in all states. In Aransas, the Appliance Guard is the least expensive plan, priced at $49.99/month. The Systems Guard plan costs $54.99 monthly, and the Total Home Guard costs $59.99 monthly. You must also pay a service call fee of $90, which the company charges during each service visit.

Plans	Premiums (Monthly)
Appliance Guard	$49.99
Systems Guard	$54.99
Total Home Guard	$59.99

Editorial Take On LHG

Liberty Home Guard provides three distinct plans catering to different customers. They offer coverage options for customers requiring systems or appliance coverage and those seeking a more comprehensive plan. This flexibility is undoubtedly a positive aspect of their service.

Furthermore, Liberty Home Guard offers a remarkable array of add-on options, presenting customers with diverse services like pest control. This impressive range of choices allows clients to tailor their plans to meet specific needs and preferences. Hence, we rate the company 3.5/5 for its coverage options.

Their Appliance Guard plan, priced at $49.99 per month, may be considered relatively expensive compared to similar offerings by other competitors in Arkansas.

Consequently, potential customers might find Liberty Home Guard’s prices a bit high.

Nonetheless, Liberty Home Guard also extends regular discounts to its customers, such as $200 off, two bonus months, and free roof leak protection.

These discounts, if utilized, can be highly advantageous for customers in managing their budgets effectively. Therefore, considering the overall pricing structure and the offered discounts, we rate Liberty Home Guard 3.5 out of 5 in terms of affordability.

Moreover, LHG’s repairs are backed by a 60-day workmanship guarantee, instilling confidence in their quality of service.

Regarding customer feedback, Liberty Home Guard has garnered positive reviews across various platforms, including HomeWarrantyReviews.com. And, due to these aspects, we rate them 4/5!

Select Home Warranty:

(Best For Budget-Friendly Option)

Established in 2012, Select Home Warranty is known for its affordable plans and round-the-clock customer support. Select Home Warranty provides three plans to homeowners: Bronze Care, Gold Care, and Platinum Care.

While Bronze Care includes only systems, Gold and Platinum Care cover both systems and appliances. The company also offers 90-day protection for the repairs done, which can be considered above average as per the industry standard.

Pros

Has an extensive contractor network
Provides various discounts

Cons

Lower dollar limits for appliances
No payment for access

3.5/5

$150 Off + Free Roof Coverage + 2 Months Free

Premium

$44 - $47

Sevice fee

$60-$75

Limit

$3k/Item

Plans and Coverage

Select Home Warranty offers three plans- BronzeCare, GoldCare, and PlatinumCare. The plans offer separate coverage for systems and appliances. Platinum Care offers exhaustive coverage for home appliances and systems, including household items from both plans.

Moreover, Select Home Warranty has an aggregate coverage limit of $2k per system and appliance.

The table below shows some crucial features of SHW plans. Take a look:

	Covered Items	Budget Range	Suitable For	HVAC Coverage Limit	Appliances, Plumbing & Electrical (non-heating or cooling) Coverage Limit
Bronze Care	8	Low Cost	Customers looking for just systems coverage	$3,000	$500
Gold Care	6	Low Cost	Customers looking for systems coverage and minimum appliances coverage	$3,000	$3,000
Platinum Care	17	Moderately Expensive	Customers looking for comprehensive systems and appliances coverage	$500	$500

The table below highlights the items covered under the plans:

Items	Bronze Care	Gold Care	Platinum Care
Cooktop	✓		✓
Clothes Washer	✓		✓
Clothes Dryer	✓		✓
Dishwasher	✓		✓
Built-in Microwave Oven	✓		✓
Refrigerator	✓		✓
Garbage Disposal	✓		✓
Stove/Oven	✓		✓
AC/Cooling		✓	✓
Heating System		✓	✓
Water Heater		✓	✓
Electrical System		✓	✓
Ductwork		✓	✓
Plumbing System		✓	✓
Garage Door Opener			✓
Ceiling Fans			✓
Plumbing Stoppages			✓

Add- ons

The following items are offered as optional items, which you can pick to enhance the overall coverage:

Central Vacuum
Lawn Sprinkler System
Pool
Roof Leak
Septic System
Spa
Stand Alone Freezer
Well Pump
Sump Pump

Plan Exclusions

Select Home Warranty plan does not cover:

Failures because of abuse, rust, corrosion, improper installation
Known or unknown pre-existing conditions
All components or parts of any covered items like freon, lights, solar heating systems, etc
Damages because of water, fire, mold spores, and Acts of god

Cost

Select Home Warranty’s Gold and Bronze Care plans start at $44.42. The Platinum Care is priced at $47.75 per month. The company also charges deductibles ranging between $60-$75.

Take a look at the table below to know the exact pricing:

Plan	Cost (Monthly)	Cost (Yearly)
Gold Care	$44.42	$479.99
Bronze Care	$44.42	$479.99
Platinum Care	$47.75	$524.99
Deductible: $60-$75

Editorial Take On Select Home Warranty

Select Home Warranties basic plans, Bronze Care and Gold Care, provide coverage for a mere eight and six items, respectively, significantly lower than other competitors in the market offer. Considering all aspects, we have given the company’s coverage a 3.5 out of 5 rating.

Regarding customer satisfaction, Select stands out with its services, rating 4 out of 5 on our platform, HomeWarrantyReviews.com. Customer reviews from Arkansas highlight that homeowners were happy with the claim filing process and received quick services.

Regarding post-claim services, customers appreciate the 60-day guarantee on workmanship. Overall, Select’s offers and services demonstrate a commitment to customer satisfaction, though there is room for improvement.

Repair And Replacement Cost Of Various Systems & Appliances In Arkansas

A home warranty ensures that all the essential items in your home susceptible to malfunctions are adequately covered. Without this valuable protection, you may be responsible for bearing significant expenses related to repairs or replacements.

Below, we have listed the costs of repairing and replacing various commonly used systems and appliances in Arkansas.

Washer/Dryer
can cost to you
Up to $800
Dishwasher
can cost to you
Up to $1000
Garbage disposal
can cost to you
Up to $400
HVAC
can cost to you
Up to $6000
A/C Units
can cost to you
Up to $7000
Septic Tank
can cost to you
Up to $6000
Cooktop/range
can cost to you
Up to $500
Furnace
can cost to you
Up to $5500
Microwave
can cost to you
Up to $400
Refrigerator
can cost to you
Up to $1000

Why Should Arkansas Homeowners Buy A Home Warranty?

Arkansas’s climate is generally humid subtropical, with scorching and humid summers and moderate winters. The below-mentioned cumulative data underline the climatic conditions in Arkansas; take a look:

Average Rainfall

50 inch

Average Sunlight

225 Suuny Days/ Year

General Climate Conditions

Hot & Humid Summers
Extremely Cold Winters

Tropical Cyclones

May – September

Let’s find out what impact these conditions can leave on your home systems and appliances and why a home warranty becomes a must-buy!

Conditions in Arkansas: In summer, the temperature usually ranges up to 90°F.
What Happens Because Of It?	Systems and appliances like air conditioners, refrigerators, or cooling equipment should always be operational. Continuous working of these equipment can accelerate their wear and tear.
What Can You Do About It?	Consider regular maintenance of your systems and appliances. Explore a home warranty plan that covers only heavy systems and appliances like air conditioners or refrigerators with sufficient coverage limits. Some Arkansas companies offer free AC tune-ups with regular coverage; you can opt for that. American Home Shield offers a free AC tune-up service under the premium plan. Moreover, some companies provide AC tune-ups as add-ons, which you can also consider.

Conditions in Arkansas: The state receives more than 50 inches of rain.
What Happens Because Of It?	Arkansas's wettest and most humid months are September, October, and November. Such climate conditions may affect the normal wear and tear of kitchen appliances, electrical systems, or other major appliances. High humidity and rain can cause roof leaks, pipe expansions, and bursts.
What Can You Do About It?	Residents of Ashley County are advised to promptly look after roof leaks as this part receives the most rain. Many home warranty companies, such as Choice, ServicePlus, Liberty, etc., offer free limited roof protection along with their regular plans or as add-ons, which homeowners can explore.

Annual Cost Of Home Maintenance In Top Arkansas Cities

This section will take you through the average home maintenance costs homeowners pay in some prominent Arkansas cities. Take a look:

annual_cost_arkansas

Homeownership brings a lot of things, and home maintenance is one of them. It can be overwhelming for homeowners to cope with the increasing maintenance costs, but we have a solution! Let’s examine why homeowners from major Arkansas cities must purchase a home warranty.

Little Rock, Arkansas
City Profile	Little Rock is Arkansas’ most populous city, with 748,031 residents. The city is the center of culture, government, transportation, and situations.
Weather Profile	Summers are hot and humid in the city and last for around five months, from May to September, with an average high temperature of 92 degrees F. While winters are extremely cold and wet, January is the coldest month.
Economy Profile	The average income of Little Rock homeowners is said to be $46,409 a year, which is lower than the U.S. average of $53,000 a year. On top of that, homeowners must pay an income tax of 6.9%, which is way more than the U.S. average of 4%. It can be difficult for them to cope with the cost of living!
Common Household Issues	In Little Rock, the average age of the houses is almost 40 years. Thus, the systems and appliances will be quite old as well. Moreover, due to climatic conditions, heating and cooling systems during summer can damage the equipment.
Significance Of Home Warranty	Humidity, hot weather, and snow in Little Rock can speed up the wear and tear of home systems and appliances. The high sales and income taxes play a major role in increased home maintenance costs. Thus, it can be difficult for homeowners to look after unforeseen repairs. For such reasons, Little Rock homeowners can explore home warranties to cover the repair and replacement costs and save money!

Fayetteville, Arkansas
City Profile	Fayetteville is Arkansas's second most populous city in Arkansas, with 99,285 people living there. This city is a part of the three-county Northwest Arkansas Metropolitan Statistical Area.
Weather Profile	The climate of this city is subtropical, with hot and humid summers. In summer months, the temperature can range to an average high of 90°F. On the other hand, Fayetteville experiences mild winters, with an average temperature low of 35°F.
Economy Profile	The second-largest city in Arkansas is said to be one of the fastest-growing places in the country. However, many other things are increasing in this city, including population growth (14%), median home price ($332,200), etc.
Common Household Issues	Similar to Little Rock, homeowners can face issues with HVACs, heating systems, air conditioners, refrigerators, or roof leaks due to varied climatic conditions.
Significance Of Home Warranty	With a 4% unemployment rate versus a 6% national average, Fayetteville’s job market may have seen a 0.7% increase this year but has also faced a spike in housing rates. With an average household income of $37,350, homeowners must save on home maintenance. Therefore, we recommend Fayettevillians a home warranty plan that can help them protect their crucial home items at discounted rates!

Fort Smith, Arkansas
City Profile	Lying on the Arkansas-Oklahoma border, Fort Smith is the third most-populated area in Arkansas. As per the data provided by the U.S. Census Bureau in 2022, the city contains around 3,045,637 people.
Weather Profile	Fort Smith has a humid subtropical climate. The city experiences hot summers with frequent thunderstorms, with around 45 inches of average annual rainfall. Lastly, the winters here are mild to cool winters.
Economy Profile	Over the last year, Fort Smith has seen a dip in the job market by -1.6%. In addition, the city has a high-income tax of 6.9%, compared to the national average of 4.6%. Now, Fort Smith homeowners may find it difficult to keep up with home maintenance with these high tax rates.
Common Household Issues	Fort Smith’s humid summers and frequent thunderstorms can strain your home's major items, including air conditioners, refrigerators, roofs, plumbing, electrical, etc.
Significance Of Home Warranty	Due to varied climatic conditions and high tax rates in the city, homeowners can look for a home warranty plan that covers major systems so Fort Smith homeowners can protect home items at lower costs.

Jonesboro, Arkansas
City Profile	Jonesboro is located in the northeastern part of Arkansas, having a population of 81,969. The city is also home to Arkansas State University and various economic and cultural institutions.
Weather Profile	Jonesboro experiences hot summers and mild winters. The city receives plentiful rainfall, averaging 49 inches throughout the year. In the summer, you can expect an average high of 90°F; in winter, the temperature can be an average low of 28°F.
Economy Profile	Jonesboro has seen a 0.7% growth in the job market, but the higher income tax can be a problem for many residents.
Common Household Issues	Home items in Jonesboro are also not immune to failure or breakdowns. Heavy rain can cause damage to many systems and even your roof.
Significance Of Home Warranty	Due to increased taxes and difficult climatic conditions, it would be difficult for Jonesboro homeowners to manage the unexpected repair costs. Hence, we recommend they invest in a home warranty plan to help them with hefty repair amounts.

Compare The Best Home Warranty Companies in Arkansas.

Now that you know a homeowner’s hardships in Arkansas, it’s time to explore some high-rated home warranty companies. The below-mentioned table will give you a quick comparison between the best home warranty companies in Arkansas:

Company Name	Premium (Monthly)	BBB Rating	Response Time	Deductible
ServicePlus Home Warranty	$43.25 - $49.92	A	48 hours	$75
American Home Shield (AHS)	$34 - $79	B+	Up to 48 hours	$100 & $125	View More
Choice Home Warranty	$51 - $59	B	Up to 48 hours	$75 - $150
Liberty Home Guard	$49 - $59	A+	Up to 48 hours	$90
Select Home Warranty	$44 - $77	B+	12 - 48 hours	$60 - $75

Home Warranty Regulations In Arkansas

The state of Arkansas has implemented the Service Contracts Act (chapter 114 of the Code of Arkansas), which is based on the model service contract act provided by the National Association of Insurance Commissioners (NAIC).

Under this act, the Arkansas Insurance Department (AID) has been granted regulatory authority over the home warranty industry. Consequently, home warranty companies operating in Arkansas must register with AID and comply with the regulations set by the state insurance commissioner.

AID has established a valuable resource page dedicated to service contracts in Arkansas to assist consumers. Additionally, AID collaborates with the NAIC to offer consumer services, enabling individuals to easily access company license information or file complaints online.

Bottom Line:

You can find various companies operating in Arkansas, and they provide different services. So, in the end, before finalizing anyone, we recommend you read contracts, understand the offerings, and finally decide based on your requirements.

By HomeWarrantyreviews.com Team | Reviewed By Shashank Ramesh

FAQs

How Long Do You Have After A Home Purchase To File A Warranty Deed?

A warranty deed differs from a home warranty as it is a legal document used in real estate. In a warranty deed, two parties are involved, the seller and the buyer, also known as a grantor and a grantee, respectively.

It pledges that the seller owns the property free from outstanding liens, mortgages, or encumbrances. As per Arkansas state law, a warranty deed should always contain the words bargain, grant, and sell. It is generally filed at the time of sale.

Does Arkansas Require Builders To Have A Structural Warranty On A Newly Built Home?

A structural warranty comes with the newly built homes and typically covers items that are permanent parts of the home. The Department of Veterans Affairs (VA) and the Federal Housing Authority (FHA) require builders to purchase a third-party warranty for newly built homes in Arkansas.

Who Needs A Home Warranty In Arkansas?

Buying a home warranty in Arkansas is good for homeowners, home buyers/sellers, or even real estate agents. It benefits people living in small towns, as it is not always easy to find a handyman in rural areas. A home warranty is also an advantage for home sellers in big metropolitan areas like North Little Rock, Conway, or Little Rock, as it enhances the position of the house in the market.