Best Home Warranty Companies In Mississippi 2024

Our Picks: 5 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.

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

Choice for optional add-ons
Higher coverage limits per contract term
Competitive pricing

Cons

Charges $150 service fees on weekend visits

Plans, Cost & Coverage

Elite Home Warranty offers three home warranty service plans for Mississippi homeowners: Elite Appliances, Elite Systems, and Elite Complete. The company’s standard service fee is $70. However, customers can pay an additional amount to select ‘$0 service call fee’ until five claims. The coverage cap is up to $7,000 and $8,000 per contract.

Here are the elaborative pricing details:

Plans	Premium (Monthly)
Elite Appliances	$44.99
Elite Systems	$49.99
Elite Complete	$59.99

Elite Appliances

Includes 8 essential appliances for the functioning of your home
Coverage for appliances such as garbage disposals, dishwashers, and more
Provides targeted protection for appliances that are frequently used and prone to wear and tear

Elite Systems

Has coverage for 8 major home systems
Covers household items such as air conditioning, plumbing, etc
Ideal for homeowners to prioritize protection for vital home systems

Elite Complete

Comprehensive coverage for household items
Includes everything from both the other plans at a competitive price
Suitable for homeowners looking to purchase an all-inclusive plan

Why We Picked It?

Elite Home Warranty has been able to capture market share because of its timely customer service, competitive pricing, and network of technicians. You can select any plan from their portfolio to avoid the hustle and bustle of regular repairs.

The Industry Leader

4.5 |

Excellent

Monthly Cost

$29 - $89

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

Discounted upgrades
24/7 emergency service
Covers undetectable pre-existing conditions

Cons

Limited optional add-ons

Plans, Cost & Coverage

The three plans provided by AHS include ShieldSilver, ShieldGold, and ShieldPlatinum. The ShieldSilver includes essential systems, ShieldGold includes systems and major appliances, and ShieldGold includes major appliances and systems. The ShieldPlatinum includes everything from both of the plans.

The systems are covered up to $5,000, and appliances are covered up to $2,000 in ShieldGold and $4,000 in ShieldPlatinum.

You can find the pricing below:

	ShieldSilver	ShieldGold	ShieldPlatinum
Cost at $125 Service Call Fee	$35.83	$39.16	$69.16
Cost at $100 Service Call Fee	$45.83	$49.16	$79.16

ShieldSilver

14 essential systems like air conditioners and heating units are covered
Competitive pricing for a basic plan

ShieldGold

Includes 23 essential systems and appliances
Essential coverage with moderate pricing starting at $39.16

ShieldPlatinum

A comprehensive plan with coverage for everything in ShieldSilver and ShieldGold and additional items
Perfect for homeowners in search of a comprehensive plan

Why We Picked It?

AHS has been one of the industry’s most trusted home warranty brands for the past 50+ years. They offer three flexible plans, optional add-ons, a network of professional technicians, and 24/7 customer service. Additionally, a 30-day workmanship guarantee also reinforces our decision, providing customers with confidence and peace of min.

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

Large network of technicians
Add-on coverage options
24/7 customer service

Cons

Low coverage limit

Plans, Cost & Coverage

Choice Home Warranty offers two plans: the Basic Plan and the Total Plan, with prices starting at $49 per month. Service call fees range from $75 to $125, and coverage extends up to $3,000 per contract term for the covered items.

Find the pricing details below:

Plans	Monthly	Yearly
Basic Plan	$46.83	$532
Total Plan	$54.75	$627

Basic Plan

Covers 14 essential home systems and appliances
Ideal for Mississippi homeowners seeking basic home warranty protection

Total Plan

Complete coverage for major household appliances and systems
Includes all the things from the Basic Plan along with 4 additional items
An affordable option offering comprehensive coverage for under $55 per month

Why We Picked It?

Choice Home Warranty is one of the top home warranty providers in the industry. It is known for its extensive network of over 25,000 contractors, optional add-ons, and pricing. The company has built a strong reputation by providing customer-friendly services, making it one of the options for Mississippi homeowners.

Best For Generous Coverage Caps

4 |

Excellent

Monthly Cost

$58 - $63

Service Fee

$50 & $100

Response Time

48 - 72 hours

Pros & Cons

Pros

Provides flexibility in deductible and payment options
Offers roof and extended pipe leak coverage
Freedom to pick your service contractor

Cons

Offers only one plan

Plans, Cost & Coverage

APHW offers homeowners one protection plan and the choice to select optional add-ons with the coverage. The maximum payout limit for APHW is $25,000, and the plan’s pricing can be from $706 to $762 annually. The full pricing details are mentioned below:

	Standard Coverage Plan (Monthly)	Standard Coverage Plan (Yearly)
Cost at $100 Service Call Fee	$58.82	$706
Cost at $50 Service Call Fee	$63.48	$762

Standard Coverage

Includes 19 major household appliances and systems such as HVAC, refrigerator & dishwasher
Provides termite control as an optional add-on, a service typically not covered by other home warranty companies

Why We Picked It?

APHW provides one standard coverage option and optional add-ons. They offer responsive customer support service, professional technicians, and affordable options for additional items. All the benefits combined make America’s Preferred Home Warranty a worthy choice for Mississippi residents.

Best For Utility Lines Coverage

4.7 |

Excellent

Monthly Cost

$51 - $62

Service Fee

$65 - $125

Response Time

24 to 48 hours

Pros & Cons

Pros

Offers 90 days parts recall and 30 days labor recall
Covers outside utility lines like sprinklers, sewer lines, and water line
Offer 13 months of coverage on annual plans

Cons

No 24/7 customer service

Plans, Cost & Coverage

The Home Service Club has two home warranty plans: a Standard Coverage Plan and a Comprehensive Coverage Plan. The monthly pricing for Standard Coverage is $51.25, while the Comprehensive Coverage Plan is $62.50. The coverage limit for Standard Coverage is $6,000, and Comprehensive Coverage is $9,000, but the liability doesn’t exceed $2,000 per claim.

The pricing details are mentioned below:

Plans	Monthly	Yearly
Standard Coverage	$51.25	$649.95
Comprehensive Coverage	$62.50	$799.95

Standard Coverage

Standard coverage for 16 basic appliances and systems
Coverage for essential household systems such as heating, air conditioning, and electrical
Ideal for homeowners seeking basic coverage for household items

Comprehensive Coverage

Comprehensive coverage for 28 essential home systems and appliances
Unique inclusions such as pest control, smoke detector, and sump pump
Homeowners in search of comprehensive coverage

Why We Picked It?

The Home Service Club provides reasonable pricing, comprehensive coverage options, and a variety of optional add-ons. The company provides customers with an online platform for smooth and easy request filing, making it a dependable choice for homeowners seeking reliable services.

Is 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?

Mississippi’s hot and humid climate contributes to air conditioning problems, such as compressor failures or refrigerant leaks. Refrigerator repairs often focus on temperature control challenges influenced by humidity levels. Additionally, washing machines may require attention for issues like water drainage problems or malfunctioning spin cycles.

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

Cinch Home Services and Elite Home Warranty are two other home warranty service providers that Mississippi homeowners can consider.

Do Home Warranty Companies Cover Damages Covered By Pests?

No, home warranty companies typically do not cover damages caused by pests. Home warranties are designed to cover mechanical failures or breakdowns of essential home systems and appliances due to normal wear and tear. Issues related to pests, such as damage from termites, rodents, or insects, are generally considered external factors and are not covered by standard home warranty plans.

Best Home Warranty Companies In mississippi 2024

Our Picks: 5 Best Home Warranty Companies For mississippi Residents

Is Home Warranty Plans Beneficial For Mississippi Homeowners?

How Much Does A Mississippi Home Warranty Cost?

Home Warranty Coverage In Mississippi

General Coverage of Mississippi Home Warranty

Common Exclusions

Here are Additional Points to Consider

Who Regulates Home Warranty Companies In Mississippi?

Final Words

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?