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Mississippi

Southaven

Home Warranty

7 best home warranty companies in Southaven, Mississippi

Jesus Sanchez Garcia

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

Our Methodology

We've ranked the top 7 home warranty companies that operate within 50 miles of Southaven. We base our ranking off average customer ratings weighted against the number of reviews. For more information, check out our full methodology.

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Southaven, MS

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Home warranties give you a financial buffer to repair or replace appliances that suddenly fail. For a monthly fee, these policies insure items such as refrigerators and AC units when they malfunction due to regular wear and tear.

Many crucial home components start having issues before hitting the 10 to 15-year mark, according to the International Association of Certified Home Inspectors. HVAC systems typically malfunction after just seven to 25 years. Water heaters normally last six to 12 years, and most appliances today fail after about 20 years.

If your Southaven home contains aging dishwashers, furnaces or the like, you'll likely encounter an unexpected breakdown. These top home warranty firms offer robust coverage at fair prices.

Southaven's extremely hot summers make an air conditioner failure costly and even hazardous. You can have additional peace of mind with a home warranty that has major system and appliance coverage. The national companies below carry the best policies and perks.

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

Best for Comprehensive Coverage

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

Limited Time Offer: 50% OFF Select Plans

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Find the best home warranty for you in Southaven

Here's our list of the top home warranty companies in Southaven:

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

Average monthly costs: $22.00 - $80.00

2-10 has three coverage plans with flexible service call fees and perks like appliance color matching. The company also has an "Even If" guarantee that refunds your service call fees if your covered item can't be fixed or replaced.

What we like

Offers a $25,000 annual coverage cap
Pairs plans with a plan-length workmanship guarantee
Offers unique perks such as color matching appliance replacements

What we don't like

Charges a monthly processing fee if you choose monthly premiums
Excludes washer and dryer coverage from most plans

Liberty Home Guard

4.6/5

EXPLORE PLANS

Average monthly costs: $49.99 - $59.99

Liberty Home Guard offers plans with a 60-day workmanship guarantee on completed repairs. Compared to other providers in this piece, it also provides the largest number of coverage add-ons – 38 in total.

What we like

Holds high ratings among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Offers an extensive list of 40+ add-on coverages
Provides an easy claims process

What we don't like

Lacks transparency on service call fee pricing
Excludes coverage for known or unknown pre-existing conditions

Elite Home Warranty

4.4/5

EXPLORE PLANS

Average monthly costs: $48.98 - $59.99

Elite Home Warranty has a fully customizable coverage plan you can design based on your coverage needs. It also includes a lengthy 90-day workmanship guarantee.

What we like

Allows you to choose your technician
Extends a 90-day workmanship guarantee
Offers more than 25 add-ons

What we don't like

Charges higher service fees for high-end appliances
Doesn't provide an online quote
Limits repair and replacement coverage caps for older items

American Home Shield

4.4/5

EXPLORE PLANS

Average monthly costs: $29.99 - $89.99

An industry veteran, American Home Shield has been in business since 1971. It provides three coverage plans and six optional add-ons.

What we like

Offers generous coverage caps
Allows customers to build their own plans
Provides the option to choose the service fee you want to pay

What we don't like

Doesn’t let customers choose their own technician
Offers limited add-on options

First American Home Warranty

4.2/5

EXPLORE PLANS

Average monthly costs: $47.00 - $87.00

First American Home Warranty has comprehensive coverage caps for appliances in each plan. Additionally, First American includes its First American Advantage upgrade in its Essential and Premium plans. This upgrade provides coverage for miscellaneous items, such as appliance knobs and dials.

What we like

Allows you to choose your service call fee
Doesn’t have a coverage cap on heating, cooling, or ductwork
Accepts 24/7 service calls
Offers replacement of some covered items that are too damaged to repair

What we don't like

Doesn’t let customers choose their own contractor
Charges higher for coverage compared to other providers

Cinch Home Services

4.3/5

EXPLORE PLANS

Average monthly costs: $38.99 - $66.99

Cinch is known for offering unique perks such as homeowners insurance deductible reumbursement and adjustable service fees and premiums.

What we like

Offers home insurance deductible of $500
Extends a long 180-day workmanship guarantee
Provides generous $10,000 aggregate coverage limit

What we don't like

Charges high service fees of $100-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska

Select Home Warranty

3.9/5

EXPLORE PLANS

Average monthly costs: $44.42 - $47.75

Select Home Warranty pairs all plans with roof-leak repair coverage. It also charges low plan premiums.

What we like

Provides low service fees compared to other home warranty providers
Includes two extra months of coverage in annual signup
Has an appliance-only, systems-only, and combo plan option

What we don't like

Has a $75 cancellation fee
Low coverage caps

Cost of a home warranty in Southaven

The typical monthly cost of a home warranty in Southaven is $41 to $70, around the same as the national average. If you're paying on an annual basis, expect to spend roughly $563.62–$927.48 per year. To calculate national cost data, we requested hundreds of quotes for 2,000-square-foot, single-family homes across each state that the providers service.

Home warranty coverage

With a home warranty, you'll have extra coverage for major systems and home appliances. However, it's not a substitute for homeowners insurance, and there are some limitations to home warranty coverage. Below, we'll talk about what's generally covered and what's not.

What are the typical items covered under a home warranty?

Refrigerators
Clothes dryers
Built-in microwaves
Washing machines
Dishwashers
Cooktops

Major appliances form the first category of items that home warranties protect. This includes the following items: The second coverage category is major systems, which typically include the following:

Central vacuum
HVAC
Plumbing
Water heater
Electrical

What items are typically not covered under a home warranty?

Each home warranty includes specific exclusions, which are the items and circumstances it will not cover. Your contract will outline each exclusion upfront, so read carefully before you sign. Generally, home warranties don't cover item breakdowns caused by damage outside normal wear and tear. For example, if your air conditioner stops working due to a dirty air filter, home warranty companies probably won't cover the repairs since air filter replacement falls under routine maintenance. Home warranties also don't cover hazardous waste, improper system or appliance installation, cosmetic damage, rust or corrosion damage, acts of nature and preexisting conditions.

Questions to ask home warranty providers in Southaven

Ask each home warranty provider these questions before you purchase a plan.

What items are covered by my policy?

Determine what appliances and systems you need covered before getting home warranty quotes. This way, you can find a provider that includes them. Some companies separate appliance and system coverage. Companies might also offer additional coverage, like swimming pool and septic tank protection, as add-ons. Consider what supplements you might need and how much they'll add to the cost.

How long is my home warranty good for?

Generally, a home warranty plan lasts for 12 months from the coverage effective date, which is 30 days after the initial sign-up date. Home warranty companies require a 30-day waiting period to prevent customers from filing claims for preexisting conditions. A home warranty may last longer than 12 months if you purchase a multiyear plan.

What contractors do you work with?

Be sure to ask about the warranty company's network of licensed service contractors. Companies will usually have strict licensing requirements and other standards for a contractor to get repair approval. If there are no partner contractors near where you live, the company might let you choose your own. You can verify a contractor's license by searching the Mississippi State Board of Contractors database.

How does your claims approval process work?

Each company's claims process is slightly different from the others. If a covered issue strikes, you could file a claim online or over the phone. Most companies try to respond to claims within one to two days, though there might be processing delays if you filed outside normal working hours. If the home warranty company grants initial approval to your claim, they'll match you with a service contractor from their network. The contractor will arrange a meeting with you to examine the appliance firsthand. Once they get final approval from the warranty company, they'll do the repair work and manage billing on your behalf.

Can I transfer my policy to the next owner of my home?

If you're selling your home, you may be able to transfer your policy to the new homeowner. Some companies oversee the transfer for free, while others charge a transfer fee. Home warranty companies may also sell separate, special coverage plans that you can easily transfer to prospective homebuyers. Sellers might opt for these plans to enhance their home's appeal in a competitive market.

Home warranty contract fine print

Before you select a home warranty, examine its terms and conditions to ensure they're aligned with your needs. As you read through the sample contract, look for these key details and clauses:

Cancellation: Companies commonly detail how they process cancellations in their fine print. Many providers will refund the entire plan premium if you cancel within the first 30 days of sign-up.
Coverage limit: Each home warranty has a coverage limit that establishes how much a company will cover per individual claim. Warranty contracts could also have annual coverage limits.
Workmanship guarantee: Workmanship guarantees help protect you from additional service call fees if an in-network technician failed to completely fix a covered issue. Most guarantees are 30 days long, but some companies offer longer periods.
Exclusions: Even if a system is covered under your home warranty, it could still have applicable exclusions for specific parts. A sample contract should specifically list these exclusions.
Service call fee: The service call fee is how much you'll pay the home warranty company or service provider for every claim. Fees typically vary between $75 and $125 per claim.

Facts about Southaven

Average High in July

90°F

Southaven

83°F

National Average

Average Low in January

32°F

Southaven

17°F

National Average

Average Daily Sunlight

68%

Southaven

69%

National Average

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

Best for Comprehensive Coverage

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

Limited Time Offer: 50% OFF Select Plans

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Our methodology for selecting home warranty providers

We review national home warranty providers against our full home warranty methodology. We score warranty providers based on coverage options and limits, price, brand reputation, customer service, extra features and availability.

Editorial note: The name “Homefront” refers to the alliance between USA TODAY and Home Solutions that publishes review, comparison, and informational articles designed to help USA TODAY readers make smarter purchasing and investment decisions about their home. Under the alliance, Homefront provides and publishes research and articles about home service and home improvement topics. Homefront has an affiliate disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Homefront editorial staff alone (see About Homefront). Homefront adheres to strict editorial integrity standards. The information is believed to be accurate as of the publish date, but always check the provider’s website for the most current information. Go back to top

Our editors may use AI as an input tool to tailor information in local markets. All content goes through a rigorous research and review process led by our team of writers and editors.

7 best home warranty companies in Southaven, Mississippi

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