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Audited & Verified: Sep 6, 2024, 5:30pm
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| Staff EditorAfter a detailed evaluation of 19 providers, Forbes Home selected Liberty Home Guard as the best home warranty company in Mississippi. The high temperatures and heavy rainfall in Mississippi can strain your home’s systems and appliances, and home warranty plans can cover costly repairs and breakdowns. With many plans and providers available, we’ve narrowed it down to our top picks to help you find the right plan for your home.
If you’re still deciding whether a home warranty is right for you, we also surveyed 1,000 homeowners across the country to gauge what matters the most in a home warranty and how satisfied homeowners are with the value of their plan. Keep reading for our list of the best home warranty companies in Mississippi.
We know that dozens of home warranty plans are available to homeowners, and sorting through all the fine print to choose one right for your house can be frustrating. That’s why we’ve evaluated the top companies with comprehensive plans and compiled this list of the best home warranty companies to help you make an informed decision based on your home and budget needs. The Forbes Home team is committed to bringing you independent, unbiased ratings and information. We use data and expert advice to inform all of our content. Plus, our advisory board of licensed professionals fact-checks and reviews our content for accuracy and relevancy. You can read more about our editorial guidelines for the ratings below.
Featured Partners
1
Select Home Warranty
Plans Available
3
Response Time
Great
Number of States
46 + District of Columbia
2
Choice Home Warranty
Plans Available
2
Response Time
Excellent
Number of States
49 + District of Columbia
3
American Home Shield
Plans Available
3
Response Time
Excellent
Number of States
48 + District of Columbia
Key Takeaways
The home warranty providers Liberty Home Guard, AFC Home Club and American Home Shield top our best home warranty in Mississippi list. Liberty Home Guard scored 4.7 out of 5 stars when reviewed against our methodology and stood out for its comprehensive coverage, exceptional customer service and tailored plans. The company also simplifies the claim-filing process with an easy-to-use online interface.
We compared the ratings and costs of our top home warranty companies after completing our research and analysis across criteria including service fees, plans and coverage, add-ons covered, years in business and customer reviews and experiences.
| COMPANY | FORBES HOME RATING | BEST FOR | MONTHLY SERVICE FEE | LEARN MORE |
|---|---|---|---|---|
 4.7    | Best Overall | $54.99 | On Liberty Home Guard's Website | |
| 4.7 | Best Coverage Options | $41.83 - $152.20 | On AFC's Website | |
| 4.5 | Best Low-Cost Coverage | $29.99 - $89.99 | On American Home Shield's Website | |
| 4.5 | Best Comprehensive Coverage | $30.99 | On Cinch's Website | |
| 4.3 | Lowest Service Fees | $84.99 | Read Forbes' Review |
Best Overall
Best Overall
Liberty Home Guard
While Liberty Home Guard is a relatively new player in the home warranty industry, it has quickly gained a reputation as a trustworthy provider. Customers especially appreciate the ability to customize their plans and use the company’s simple online system for managing coverage and filing claims. The company has also received excellent ratings from our team, as well as good reviews on Google Maps and Consumer Affairs.
What sets Liberty Home Guard apart for us is the wide array of options it offers, including three service plans and 24 additional add-ons, providing flexibility for Mississippi homeowners to personalize their coverage. We are also impressed by the company’s easy-to-use online interface, which simplifies plan management and claims processing, as well as its strong foundation of positive online reviews.
Why We Like It
We are impressed by Liberty Home Guard’s variety of plans and add-ons, which enable customers to tailor their coverage to suit their home’s specific needs. The company’s flexibility in offering both monthly and annual contracts, in addition to allowing customers to select their preferred technician, is also a noteworthy advantage. Fairly high ratings on the Better Business Bureau (BBB), TrustPilot and Google Maps further solidifies Liberty Home Guard as our top choice.
What We Don’t Like
One downside we discovered with Liberty Home Guard is its relatively limited industry experience, with only six years in business at the time of our review. The company’s plans are also priced on the higher side compared to its competitors. Additionally, some customers have reported limitations in coverage for certain items or situations, which they felt were not clearly outlined in the plan details.
Who It’s Best For
Liberty Home Guard is best suited for customers who are willing to invest a bit more for flexible coverage, reliable service and a straightforward claims filing experience.
Learn more: Liberty Home Guard review
Add-on coverage is available for these items:
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Systems Guard | $54.99 | $65 - $125 |
Total Home Guard | $59.99 | $65 - $125 |
Appliance Guard | $49.99 | $65 - $125 |
Liberty Home Guard has received mostly positive reviews, with satisfied customers expressing their happiness with the service received from the company and the service technicians. However, some critical reviews highlight concerns about certain items not being covered for repair as expected, slow response times and unexpected costs after repair services.
Best Coverage Options
Best Coverage Options
AFC Home Warranty
With more than 30 years in the industry, AFC Home Warranty is an established and reliable presence in the field. AFC Home Warranty provides flexible service plans with plenty of add-on options, allowing customers to customize their coverage. Additionally, AFC Home Warranty has garnered positive feedback, receiving a 4.7 rating from our team, a B rating from the BBB and a 4.1 rating on Consumer Affairs as of this writing.
We were impressed by AFC Home Warranty’s diverse options for Mississippi homeowners, including four plans, three service fee levels and numerous add-ons. Some plans also offer family emergency services and discounts with partner companies, with customers having the freedom to choose their own service technicians. Additionally, we appreciate the company’s BBB accreditation and positive reviews across various online platforms.
Why We Like It
While AFC’s pricing may be higher compared to some competitors, we appreciate the option to extend coverage for a three-year period, allowing Mississippi homeowners to pay for 20 months and receive 16 months of payment-free coverage. We also value the company’s commitment to a 24 to 48-hour response time under normal circumstances, along with its 24/7 service request lines.
What We Don’t Like
AFC’s plans are relatively more expensive than those of other competitors, and the company does not offer monthly or quarterly payment options for individuals seeking short-term coverage. We believe AFC could improve in terms of transparency regarding certain fees and discounts. For example, cancelling a contract before completion results in a $75 cancellation fee and a prorated refund.
Who It’s Best For
AFC is a great fit for homeowners seeking comprehensive coverage options and additional protection plans, especially those who appreciate a wide range of plans extending beyond traditional single-family homes.
Learn more: AFC Home Warranty review
You can also add coverage for the following items and systems:
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Platinum Plan (1-Year Term) | $57 - $62 | $75 - $125 |
Platinum Plan (3-Year Term)* | $88.65 - $97.70 | $75 - $125 |
Gold Plan (1-Year Term) | $51.92 - $57 | $75 - $125 |
Gold Plan (3-Year Term)* | $76.55 - $85.60 | $75 - $125 |
Silver Plan (1-Year Term) | $36.83 - $41.83 | $75 - $125 |
Silver Plan (3-Year Term)* | $61.10 - $67.15 | $75 - $125 |
Diamond Plan (1-Year Term) | $91.58 - $96.58 | $75 - $125 |
Diamond Plan (3-Year Term)* | $143.15 - $152.20 | $75 - $125 |
Customers have shared varied experiences with AFC Home Warranty on platforms such as BBB and Trustpilot. Positive reviews commend the company for adhering to its service terms and the promptness of its technicians. However, there are also negative reviews criticizing the company for denying coverage or providing inadequate coverage when a complete replacement was needed.
It’s worth noting that AFC Home Warranty has a 100% response rate to customer claims filed with BBB.
Best Low-Cost Coverage
Best Low-Cost Coverage
American Home Shield
With more than 50 years of experience, American Home Shield is a prominent name in the home warranty industry. Its plans are tailored to meet the diverse needs of homeowners, offering essential appliance protection as well as comprehensive coverage for almost every home system. We awarded it a solid 4.5 out of 5 and it received ratings of 4.5 on Google Maps and 4.3 on Consumer Affairs as of this writing.
American Home Shield’s budget-friendly service plans were a standout feature in our evaluation, with plans starting at less than $30 per month. Along with its high coverage maximums of up to $6,000, this makes it a top choice for Mississippi homeowners. This affordable pricing and generous coverage doesn’t compromise service: The company still maintains strong online ratings on platforms like Google Maps and Consumer Affairs.
Why We Like It
We value American Home Shield’s cost-effective plans with comprehensive coverage limits, including pre-existing conditions, code violations, rust and corrosion. Customers also have the flexibility to choose their preferred technician. Additionally, the company showcases its exceptional customer service through its high online ratings and 24/7 phone support.
What We Don’t Like
Based on our research, we found the main downsides to American Home Shield are that service fees are relatively high, and its plans do not offer as many add-on services as some of the competition. Also, while most online customer reviews are positive, the company did receive lower ratings on Trustpilot and BBB.
Who It’s Best For
American Home Shield is an excellent option for Mississippi homeowners looking for extensive coverage within a more modest budget. It’s also well-suited for older homes and homes with pre-existing issues that may make them ineligible for other available plans.
Learn more: American Home Shield review
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
ShieldSilver | $29.99 - $39.99 | $100 - $125 |
ShieldGold | $49.99 - $59.99 | $100 - $125 |
ShieldPlatinum | $79.99 - $89.99 | $100 - $125 |
Customer opinions of American Home Shield are varied. While some have commended the company for its convenient scheduling and prompt services, others have expressed dissatisfaction with extended wait times for repairs and inadequate communication from customer service representatives.
Best Comprehensive Coverage
Best Comprehensive Coverage
Cinch Home Services
Cinch Home Services is a trusted and established home warranty provider with over 40 years of industry experience. The company stands out with a wide range of coverage options that exceed standard wear and tear, including rust and corrosion as well as previously unknown pre-existing conditions. Rated 4.5 out of 5 by our team, it holds a B rating with the BBB and averages 3 to 4 stars across Google Maps, Consumer Affairs and Trustpilot as of this writing.
We selected Cinch Home Services as a top choice for Mississippi homeowners due to its substantial industry expertise and its comprehensive and affordable plans that cover most major appliances and home systems. Additionally, we were impressed by the company’s six-month guarantee on all covered repairs and its offer of discounts or credits for the purchase of new appliances or the installation of new systems.
Why We Like It
Cinch stands out by offering unique benefits, such as a $500 reimbursement for a homeowner’s insurance deductible. We value its 180-day service guarantee, which exceeds industry standards. Additionally, the company’s BBB accreditation further enhances its appeal.
What We Don’t Like
A drawback of Cinch Home Services is that homeowners cannot choose their own technicians. Additionally, it’s worth noting that Cinch’s service fees range from $100 to $150, which are slightly higher compared to some competitors.
Who It’s Best For
Cinch Home Service is well-suited for homeowners who prioritize extensive coverage and appreciate the peace of mind provided by extended guarantees for services performed by its authorized contractors. The company is also suitable for those who are less concerned about the higher service fees and the option to choose their own contractors.
Learn more: Cinch Home Services review
Add-on coverage options include:
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Home Appliance | $30.99 | $100 - $150 |
Home Systems | $35.99 | $100 - $150 |
Complete Home | $44.99 | $100 - $150 |
During our research, we discovered that Cinch Home Services, much like many other home warranty companies, had mixed reviews from customers. Happy customers commended Cinch for its knowledgeable customer service representatives and competitive pricing. However, dissatisfied customers often expressed concerns about denied claims and service delays by technicians affiliated with the company.
Lowest Service Fee
Lowest Service Fee
ARW Home
Established in 2009, ARW Home is known for its flexible plans designed to meet the specific needs of homeowners. Whether it’s basic appliance coverage or comprehensive system protection, its plans offer a variety of customizable options. With a fixed service fee of just $55 for all plan tiers, homeowners can make use of their coverage while keeping out-of-pocket costs to a minimum.
What caught our attention about ARW is that all their plans come with a standard service fee of $55, which is around half of what most competitors charge. Customers in Mississippi also have the choice to use ARW’s contractor technicians for repairs or replacements, or opt for their own licensed technician.
Why We Like It
A major benefit of ARW Home is that customers have the freedom to pick either the company’s contractor technicians or their own licensed technician for repairs or replacements. Additionally, with a fixed service fee of $55 for all plans, it offers the lowest cost of use. Customers can also choose between quarterly or annual contract lengths to find the commitment level that suits them best.
What We Don’t Like
While ARW excels in many aspects, some may find the $49 cancellation fee for ending a contract to be a potential drawback. Additionally, despite the company’s current A rating, it did have a considerable number of low customer ratings on BBB.
Who It’s Best For
ARW Home is well-suited for Mississippi homeowners in need of customizable and comprehensive home warranty coverage with transparent pricing. It is especially ideal for those who value the flexibility to choose their service technicians and require coverage for various property types, such as manufactured homes and condominiums.
Learn more: ARW Home review
Additional coverage is available for these items and systems:
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Total Max | $84.99 | $55 |
Systems Max | $59.99 | $55 |
Appliance Max | $45.99 | $55 |
During our research, we noted that ARW Home garnered varied feedback from its customers. Positive reviews highlighted satisfaction with the company’s customer service agents, often mentioning them by name, as well as the prompt response to claims. However, negative reviews expressed worries about ARW’s rejection of specific claims and prolonged wait times for customer service.
On AFC's Website Have you considered AFC Home Warranty?
Whether you need repairs or a new appliance, AFC can help cover the cost of even the most expensive items like HVAC and plumbing. Here’s why we chose it:
Available plans to choose from: Silver Plan, Gold Plan, Platinum Plan, Systems Plan
Three years work guarantee of repairs
Plans include free credit monitoring, family emergency services and discounts on household items, restaurants and more
On AFC's Website 
Choosing a home warranty in Mississippi requires careful consideration of the unique needs and conditions of the region. Mississippi’s humid subtropical climate, prone to high temperatures and heavy rainfall, can place a considerable strain on home systems and appliances. When selecting a home warranty, it’s crucial to focus on companies that understand these specific challenges and offer comprehensive plans tailored to Mississippi homeowners.
Look for providers with a strong presence in the state and positive reviews from local customers. Consider the company’s reputation, how long they’ve been in business and their ratings on platforms like the BBB, Forbes Home and Yelp. It’s essential to choose a company that has experience dealing with Mississippi’s climate and can provide reliable service when you need it most.
Understanding your home warranty coverage needs is vital when selecting a home warranty. In Mississippi, be sure to consider the most commonly used home systems and appliances, such as HVAC units, due to the hot summers, as well as plumbing systems that may see more wear and tear from heavy rains and flooding. Lastly, think about any additional coverage you might need for items like sump pumps or water heaters, which can be critical in this climate.
Home warranty costs can vary significantly, so it’s important to compare monthly premiums and service fees across different companies. Look for a plan that fits your budget while offering the the comprehensive coverage that makes the most sense for your home. Also, be mindful of any hidden fees and ensure you understand the terms and conditions of each plan.
The cost of a home warranty in Mississippi varies based on the company and the level of coverage. Basic plans, which cover essential systems and/or appliances, tend to be on the lower end of the cost spectrum. More comprehensive plans, which include additional coverage for items like pools, spas and septic systems, fall on the higher end.
| HOME WARRANTY COST | |
|---|---|
| Average monthly rate | $50 |
| Highest monthly rate | $120 |
| Lowest monthly rate | $35 |
Compare Quotes From Top-rated Home Warranty Companies
Free, No-commitment Estimates
To help determine whether a home warranty is a good investment for your home, start by calculating home warranty costs based on the coverage you’re looking for. Compare these numbers against average appliance repair costs, as well as potential prices for breakdowns for HVAC, electrical and plumbing systems. Below are average costs nationwide to help you get a better idea of what those numbers could look like.
| ITEM | AVERAGE REPAIR COST | AVERAGE REPLACE COST |
|---|---|---|
| Air Conditioner | $100 - $2,500+ | $3,875 - $7,825 |
| Furnace | $100 - $2,500+ | $2,800 - $6,800 |
| Electrical | $50 - $300+ | $3,000 - $18,000 |
| Plumbing | $200 - $4,000 | $3,000 - $16,000 |
| Roofs | $150 - $7,000 | $6,700 - $80,000 |
| Dishwasher | $100 - $300 | $250 - $2,000 |
| Refrigerator | $200 - $400 | $800 - $12,000 |
| Oven | $125 - $425 | $2,000 - $4,200 |
| Stove | $125 - $425 | $2,000 - $4,200 |
| Washer/Dryer | $100 - $475 | $1,000 - $2,300+ |
Mississippi’s humid subtropical environment, with its high temperatures and frequent heavy rainfall, can put considerable strain on your home systems and appliances. While home warranty plans typically don’t cover damage from natural disasters like hurricanes and tropical storms, the increased stress these conditions place on your home systems can lead to more frequent breakdowns and repairs.
Mississippi residents can combat these risks by opting for home warranty plans with higher coverage limits and more comprehensive terms—these plans will cover a wider range of issues that may arise from the increased usage and strain on your home systems. Key systems and appliances to focus on in Mississippi homes include:
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Home warranties can protect you against unexpected expenses. Click on your state today to find out more.
According to the Mississippi Insurance Department, home warranties are defined as service contracts and protected by the Mississippi Consumer Protection Act. It’s important to note that these are not considered insurance plans and are handled by the Attorney General rather than the Commissioner of Insurance. Here are the key facts to know when choosing a home warranty provider:
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Home warranties can protect you against unexpected expenses. Receive a custom quote today.
Not looking for a home warranty in Mississippi? Select your state to find the best options servicing your area.
In 2023, Forbes home surveyed 1,000 people and looked at consumer trends and satisfaction with home warranty plans. Our comprehensive research aimed to provide valuable insights into the experiences, opinions and preferences of homeowners across the nation. By analyzing data from various home warranty companies, we gained insight on homeowners feel about their plans and identified key factors that influence the choice and performance of these plans.
These are some of the findings for the Southeastern U.S., including homeowners in Mississippi:
While home warranties aren’t a legal necessity or a requirement by mortgage lenders in Mississippi, they can still be a solid investment. Mississippi’s humid subtropical climate, characterized by high temperatures and heavy rainfall, can strain home systems and appliances, increasing the likelihood of breakdowns.
Home warranties provide peace of mind by covering the cost of repairs or replacements for major systems and appliances that fail due to normal wear and tear. This can be particularly beneficial in Mississippi, where HVAC systems work hard to keep homes cool during the hot summers, and plumbing systems can be stressed by frequent storms and potential flooding. Additionally, if your home systems are older, a home warranty can be a valuable safety net.
Best Home Warranty Companies By State
To determine the home warranty companies ranking, the Forbes Home editorial team analyzed 54 companies, with each company’s star rating determined by evaluating a variety of metrics and subcategories, including years of experience, signup and restrictions, plan pricing, fees and discounts, coverage features, property coverage, customer reviews and support and nationwide availability.
You can find out more about how Forbes Home rates home warranty companies on our detailed methodology page.
All figures and facts were accurate at the time of first publication.
Determining whether a home warranty is worth the cost in Mississippi will come to your individual needs and budget, as well as the age and condition of your home’s systems and appliances. Home warranties can be particularly beneficial for homes with older systems or appliances, as they can help minimize future repair or replacement costs. It’s important to analyze the cost versus benefits against the likelihood of needing to file a claim.
Home warranties aren’t legally required or mandated by mortgage lenders in Mississippi. However, they can still be a wise investment based on your needs, budget and the age of the your home’s systems and appliance.
With Mississippi’s hot and humid summers, air conditioning systems are under constant strain, making them one of the most common claims. More common claims include issues with pipes, water heaters and sump pumps, which are essential for managing excess rainfall. Also, in rural areas of Mississippi, claims for septic system repairs are frequent due to the wet climate stressing these systems.
One common thing to do if your home warranty claim is not honored in Mississippi is to file an appeal with your provider. Contact them immediately to learn about the required documentation. Obtain the inspection report from the service technician and consider getting a second opinion. Stay in communication with your provider during the appeal process and be prepared to provide additional information if needed.
If necessary, you can file a complaint with the BBB or write a review online to escalate the issue.
In her eight years as a content writer and researcher, Alison has published more than 450 home improvement articles and has delved into nearly every topic, including solar, moving and landscaping. In addition to Forbes Home, her work has also been featured on Angi and HomeAdvisor.
Kristin is a lead editor at Forbes Home and has nearly a decade of professional experience as a writer and editor. She's previously worked at sites like Talking Points Memo, Insider, Delish, Angi and HomeAdvisor. She has a passion for lifestyle topics and has extensive experience researching and reporting on topics that will help make your house a home.
