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Best Home Warranty Companies In mississippi 2025

Mississippi’s muggy summers and mild winters can test your home’s appliances and systems. Unexpected appliance or system breakdowns can disrupt your peace of mind. This guide explores the Best Home Warranty Companies in Mississippi, helping you find a plan that protects your essential features and keeps your budget happy.

Updated: July 2025

Over 25 Home Warranty Companies Reviewed

Licensed and Vetted Service Providers

1 Award Winner

Elite Home Warranty

Elite Home Warranty

$200 OFF and 1 Month Free. 30-Day Free Trial.

Outstanding

4.9

2 Fast Claim Processing

Regency Total Home Warranty

Regency Total Home Warranty

$300 OFF and 2 Months Free + Free Roof Coverage

Excellent

4.6

3 Affordable Coverage

Select Home Warranty

Select Home Warranty

$150 OFF and 2 Months Free + Free Roof Coverage

Excellent

4.4

Our Picks: Best Home Warranty Companies For mississippi Residents

After carefully evaluating a wide range of providers, we've identified Mississippi's top 5 home warranty companies. These companies offer reliable protection and peace of mind for Magnolia State residents, ensuring your home runs smoothly throughout the year.

1 Award Winner

1

Elite Home Warranty

Best Home Warranty Award Winner.
No Contract. Cancel Anytime.
24/7 U.S. Based Live Claims Concierge.
Industry Highest Coverage Options.

$200 OFF and 1 Month Free. 30-Day Free Trial.

Outstanding

4.9

Premium $59.99 - $69.99

Deductible $70.00 - $130.00

Total Coverage Benefits $25,000 Contractual Limit

2 Fast Claim Processing

2

Regency Total Home Warranty

Affordable and Flexible Pricing.
Unlimited Service Calls.
Simple and Friendly Claims Process.

$300 OFF and 2 Months Free + Free Roof Coverage

Excellent

4.6

Premium $54.99 - $64.99

Deductible $60.00 - $100.00

Total Coverage Benefits $15,000 Contractual Limit

3 Affordable Coverage

3

Select Home Warranty

Cost Effective and affordable Plans.
Fast claims Processing.
Free Roof Leak Coverage.

$150 OFF and 2 Months Free + Free Roof Coverage

Excellent

4.4

Premium $54.99 - $64.99

Deductible $60.00 - $125.00

Total Coverage Benefits $11,000 Contractual Limit

4

Liberty Home Guard

24/7 Customer Support with Same Day Response.
Extensive Add Ons Coverage Options.
Fast and Easy Claim Processing.
Fully Digital Claims Experience.

$200 OFF and 2 Months Free + Free Roof Coverage

Outstanding

4.7

Premium $54.99 - $69.99

Deductible $85.00 - $150.00

Total Coverage Benefits $15,000 Contractual Limit

5

America’s First Choice

Lifetime Workmanship Guarantee.
Option to Choose Any Licensed Technician.
In-House Service Team for Fast Resolutions.

$250 OFF and Free Roof Coverage

Excellent

4.5

Premium $54.99 - $69.99

Deductible $75.00 - $125.00

Total Coverage Benefits $10,000 Contractual Limit

6

American Home Shield (AHS)

50+ Years of Industry Experience.
Largest Home Warranty Company.
Comprehensive Coverage.
Reliable Claims Process.

$100 OFF and Free Roof Coverage

Excellent

4.4

Premium $54.99 - $89.99

Deductible $75.00 - $125.00

Total Coverage Benefits $10,000 Contractual Limit

7

ARW Home – American Residential Warranty

No Age Restriction on Covered Items.
Service Available in all 50 States.
Electronic Gadgets Protection.

$100 OFF and 2 Months Free

Excellent

4.2

Premium $54.99 - $64.99

Deductible $100.00 - $125.00

Total Coverage Benefits $10,000 Contractual Limit

8

First American Home Warranty

Strong Real Estate Integration.
Paid Over $200 Million In Claims.
Serves 500k+ Customers Nationwide.

Flexible Payment Options

Good

3.6

Premium $54.99 - $64.99

Deductible $85.00

Total Coverage Benefits $10,000 Contractual Limit

9

Cinch Home Services

180 Day Workmanship Guarantee.
Online Customer Portal.
Comprehensive Coverage.

Free Water Sensor and 2 Months Free

Good

3.4

Premium $54.99 - $64.99

Deductible $75.00 - $150.00

Total Coverage Benefits $10,000 Contractual Limit

10

2-10 Home Buyers Warranty

Specialized Structural Coverage.
Reliable Claims Process.
24/7 Emergency Services.

20% OFF All Plans

Good

3.8

Premium $59.99 - $74.99

Deductible $75.00 - $125.00

Total Coverage Benefits $10,000 Contractual Limit

11

America’s Preferred Home Warranty (APHW)

Strong Customer Retention Rates.
Reliable Claims Process.
Roof Leak Coverage.

Good

3.9

Premium $59.99 - $69.99

Deductible $50.00 - $100.00

Total Coverage Benefits $25,000 Contractual Limit

2025 Home Warranty Annual Award Winner

HomeWarrantyReviews.com, a trusted name in the industry for decades, lets customer voices shine through its annual awards. Combining real-world experiences with expert analysis, these awards highlight the providers that homeowners truly trust. After reviewing over 25 home warranty companies, the Home Warranty Reviews team named Elite Home Warranty the best home warranty company nationwide. We trust Elite Home Warranty to protect your home due to its reliable services, most beneficial coverage benefits and consumer centric approach, and you should too.

Why Homeowners Trust Elite Home Warranty?

Elite Home Warranty isn’t just another provider, they are setting a new standard in the industry. Here’s why thousands of homeowners trust Elite Home Warranty every day:

Top Rated Customer Satisfaction: 4.9/5 stars across verified platforms including BBB, Home Warranty Companies, Consumera, Google and more.
Affordable Pricing: Competitive rates with no hidden fees, surprise charges, or misleading fine print.
Efficient Claims Process: 90% of claims are processed within 24 to 48 hours, with real time status updates.
Best in Class Coverage That Actually Works: Elite offers the best coverage benefits with some go the highest limits in the industry, with trusted protection when you need it most.
Award-Winning Support Team: Friendly, U.S.-based claims concierge available 7 days a week to help you every step of the way.

Are Home Warranty Plans Beneficial For Mississippi Homeowners?

Here are some of the benefits that Mississippi homeowners will have when purchasing a home warranty:

Mississippi summers can be brutal on your air conditioning system. A home warranty can provide peace of mind, knowing repairs for your AC won't break the bank, keeping your home cool and comfortable during the hottest months.
Appliances work overtime in Mississippi's heat and humidity. A warranty can safeguard your essential appliances like refrigerators, dishwashers, and washing machines from unexpected breakdowns, saving you the hassle and cost of replacements.
Local home warranty providers in Mississippi understand the region's unique challenges.
Home warranty plans often provide access to a network of qualified repair technicians. This can ensure quality work and potentially lower repair costs than finding your contractor, especially during emergencies.
Knowing you have a safety net for appliance and system breakdowns can help Mississippi residents manage their home maintenance budget more effectively. Warranty plans offer predictable monthly costs instead of facing potentially large, unexpected repair bills.

How Much Does A Mississippi Home Warranty Cost?

Understanding the potential cost of home warranty plans is crucial for homeowners contemplating the benefits of a home warranty. Here's an insightful overview of the cost range for home warranties in the Magnolia State:

Average Annual Cost

$380 - $600

Average Monthly Cost

$30 - $85

Average Service Fee (Deductible)

$55 - $110

In Mississippi, the cost of a home warranty can vary based on several factors, and homeowners should carefully consider these considerations:

Coverage Level: Mississippi summers are legendary for their heat and humidity. A home warranty typically covers repairs or replacements for your central air conditioning system, ensuring you stay cool and comfortable during those sweltering months.
Deductible: Similar to selecting a deductible on your car insurance, opting for a higher deductible can result in lower monthly premiums. Find the right balance that suits your budget and risk tolerance.
Home Size & Age: The size and age of your Mississippi home can impact the risk of breakdowns. Older homes may have aging systems, making comprehensive coverage more appealing.
Location: The specific location within Mississippi can influence average costs. Whether you're in the lively city of Jackson or the coastal charm of Biloxi, regional factors play a role in determining your home warranty expenses.

Home Warranty Coverage In Mississippi

Here are some common inclusions and exclusions to guide Mississippi homeowners in making informed decisions when considering a home warranty:

General Coverage of Mississippi Home Warranty

HVAC (Heating, Ventilation, and Air Conditioning) Systems Comprehensive coverage for repairing or replacing essential components, ensuring homes remain comfortable throughout Mississippi’s diverse climates, from humid summers to mild winters.
Furnace Don’t let Mississippi’s occasional winter chill catch you off guard. Coverage for your furnace or boiler repairs can keep you warm and cozy throughout the season.
Plumbing Systems Protection against leaks, clogs, and water heater malfunctions. Given Mississippi’s occasional heavy rainfall, these problems are common occurrences and can be effectively addressed with proper coverage.
Electrical Systems Coverage for repairs to wiring, outlets, and circuit breakers, ensuring safety and functionality. This becomes particularly crucial during severe weather events like thunderstorms and hurricanes that Mississippi may experience.
Major Appliances Comprehensive coverage for essential household appliances, including refrigerators, dishwashers, and ovens.

Common Exclusions

Pre-Existing Conditions A home warranty plan might not cover existing issues with your systems or appliances.
Cosmetic Issues Repairs purely for aesthetic purposes are generally not covered.
Maintenance Neglect Breakdowns resulting from a lack of proper maintenance may not be covered. Regular upkeep is essential to ensure continuous coverage.
Specific Exclusions Carefully review the plan details, as companies may have varying exclusions. Understanding these exclusions is crucial for making informed decisions and maximizing the benefits of your home warranty in Mississippi.

Here are Additional Points to Consider

When exploring home warranty plans in Mississippi, it’s crucial to delve into additional aspects for a comprehensive understanding:

Pest Control Mississippi has a higher-than-average termite threat. While not typically covered in a basic warranty, some companies offer optional pest control options. Consider bundling your home warranty with a termite plan for comprehensive protection.
Hurricane Protection Mississippi is at risk from hurricanes. While not covered by a standard warranty, some companies offer add-on coverage for specific hurricane-related damages.
French Drains These are common in some areas of Mississippi to manage moisture. While not standard, some warranties may offer optional coverage for French drain repairs.
Coverage Caps Plans may limit how much they will cover for repairs or replacements.
Service Call Fees Some companies charge a set fee for each service call, while others may have variable fees.
Network Limitations Technicians within the warranty provider’s network may be unavailable in all areas, especially rural locations.

Who Regulates Home Warranty Companies In Mississippi?

Unlike traditional insurance companies, Mississippi doesn't have one specific agency overseeing home warranty providers. However, there are still safeguards in place to protect consumers:

Mississippi Department of Insurance (DOI) Home warranty companies aren't considered insurance in Mississippi. However, the DOI may investigate them if they receive consumer complaints that allege deceptive sales practices or unfair claim denials.
Mississippi Attorney General's Office Home warranty contracts in Mississippi fall under the state's Unfair Trade Practices Act (UTPA). The Attorney General's Office enforces the UTPA, prohibiting deceptive and unfair business practices. Companies cannot mislead you with advertising or engage in deceptive sales tactics.

Final Words

Choosing the right home warranty company in Mississippi is significant for homeowners looking to safeguard their properties from unexpected breakdowns. The unique challenges of Mississippi's climate and housing structures make it crucial to select a provider with a deep understanding of the state's specific needs.

Frequently Asked Questions (FAQs)

What Are The Most Common Appliance Repairs In Mississippi?+

Are There Any Other Home Warranty Companies Mississippi Homeowners Can Consider?+

Do Home Warranty Companies Cover Damages Covered By Pests?+