Best overall
First American Home Warranty
4.1
8,990 reviews
- Plans available
- Starter, Essential and Premium
- Monthly premium range
- $37 to $72
- Service fees
- $100 or $125
- Labor guarantee
- 30 days
Best Home Warranty Companies in Arkansas
- Best overall
First American Home Warranty4.1(8,990) - HVAC coverage
American Home Shield3.7(111,009) - Value
Cinch Home Services4.2(12,464)
By:
Sarah Maier
+2 more
Edited by:
Cassidy McCants
Edited by:
Matt Zane
Best Home Warranty Companies in Arkansas
Based on our analysis of local reviews and coverage options, First American Home Warranty is the best home warranty company in Arkansas. That’s largely due to its extensive cooling system protection. Arkansas summers are notoriously hot and humid, and the frequent severe weather — ranging from ice storms to tornadoes — places immense strain on home systems.
A home warranty can help offset repair bills if your air conditioner fails in August or your electrical system goes down. These plans also cover everyday appliances like dishwashers and cooktops. In Arkansas, monthly home warranty premiums typically range from $35.99 to $119.99.
Why trust ConsumerAffairs?
- Our recommendations are based on what reviewers say.
- 4,897,627 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
First American Home Warranty stands out for Arkansas homeowners, thanks to its high coverage limits on HVAC systems and positive feedback on claim satisfaction.
Jump to insightThe average cost of a home warranty in Arkansas is $77.44 per month, though quotes range from $430 to $1,440 annually, depending on the provider and plan level.
Jump to insightDue to the state's long, humid summers, we recommend Arkansas homeowners prioritize plans with strong HVAC coverage to protect against cooling system breakdowns.
Jump to insightOur 4 home warranty company picks in Arkansas
- Best overall: First American Home Warranty
- Best HVAC coverage: American Home Shield
- Best value: Cinch Home Services
- Best claims handling: Choice Home Warranty
Our research team vetted home warranty companies that are rated by hundreds of customers in Arkansas. Read our guide to choose the best home warranty in Arkansas for you by comparing plans, contract lengths and service fees.
Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us, but this does not affect our recommendations or evaluations.
Compare home warranty companies
| Company | Customer rating | Our pick for | Monthly starting cost | Service fee(s) | |
|---|---|---|---|---|---|
 First American Home Warranty | Get a Quote | 4.1
8,990 reviews
8,990 reviews
| Best overall | $47 | $100 or $125 |
 American Home Shield | Get a Quote | 3.7
111,009 reviews
111,009 reviews
| HVAC coverage | $29.99 | $100 or $125 |
 Cinch Home Services | Learn More | 4.2
12,464 reviews
12,464 reviews
| Value | $27.99 | $100 to $150 |
 Choice Home Warranty | Get a Quote | 4.0
75,652 reviews
75,652 reviews
| Claims handling | $49 | $100 |
Our 4 Arkansas home warranty company picks
Learn more about our top picks for the best home warranty companies, based on real, recent reviews from customers in Arkansas on ConsumerAffairs.
Best HVAC coverage
American Home Shield
3.7
111,009 reviews
- Plans available
- ShieldSilver, ShieldGold and ShieldPlatinum
- Monthly premium range
- $29.99 to $89.99
- Service fees
- $100 or $125
- Labor guarantee
- 30 days
Best value
Cinch Home Services
4.2
12,464 reviews
- Plans available
- Appliances, Built-in Systems and Complete Home
- Monthly premium range
- $27.99 to $89.99
- Service fees
- $100, $125 or $150
- Labor guarantee
- 180 days
Best claims handling
Choice Home Warranty
4.0
75,652 reviews
- Plans available
- Basic and Total
- Monthly premium range
- $46.83 to $54.75
- Service fees
- $100
- Labor guarantee
- 60 days
Home Warranties in Arkansas Buyers Guide
Jump into our guides and start learning
In this guide
Arkansas's hot, humid summers and mild winters create moderate repair demands. The state has older rural homes and developing suburban areas. High humidity and occasional severe weather drive frequent claims. We'll help you find coverage for Arkansas.
Sump pump and septic system coverage are beneficial in rural Arkansas regions prone to heavy rainfall.
Jump to insightExpect to pay around $77.44 per month for coverage in Arkansas. Annual premiums vary from $430 to $1,440, with service fees ranging from $75 to $150.
Jump to insightHome warranties cover repairs for your major systems (like HVAC) and appliances (like your washer/dryer). A combo plan is the most comprehensive option, as it protects both.
Jump to insightHow to choose a home warranty in Arkansas
If you want to protect your Arkansas home with a warranty, start by figuring out what matters most: coverage, cost or response time. Compare plans, read the fine print and check local reviews to see which company actually delivers when you need a repair.
1. Decide what coverage you need
Think about what you want most from your warranty. If your HVAC, plumbing and electrical systems are older, focus on a plan that covers those. If you’re more worried about the fridge or washer, look for appliance-only protection. Combo plans often make the most sense since they cover the widest range and typically come with higher payout limits.
Arkansas has diverse housing ranging from older rural properties to developing suburban areas. Older homes throughout central and southern Arkansas often have aging electrical panels and plumbing that benefit from systems coverage. Flood-prone and rural areas should emphasize water damage and well coverage.
2. Compare costs
Add up the total yearly cost, including the monthly premium and service fees, which range from $75 to $150 a visit — these add up if you file multiple claims. In Arkansas, service fees can have a bigger impact on total cost for homeowners who file multiple claims during storm season.
Lisa in Conway had this to say about her plan: "The only downside is the service charge deductible, which is about $130. … They even offer up to $5000 if my unit goes out, although I’d have to finance the remainder.”
Arkansas home warranty costs are near the national average but may be higher in flood-prone areas. Coverage caps matter too: If a company only covers part of a repair, you’ll pay the difference. Pay close attention to the price of add-ons for things like roof leaks or a second fridge, since these can noticeably impact your overall cost.
3. Review sample contracts
Most companies share sample contracts online. They’re the best place to see exactly what is and isn’t included. Look closely for exclusions like preexisting issues, cosmetic damage and any requirements for routine maintenance. Contracts will also outline waiting periods, claim filing steps, caps on labor or parts and potential cancellation fees.
When reviewing contracts, check for water damage and severe weather exclusions, and verify that AC coverage is adequate. If you’re in a rural area, ensure sump pump and well coverage are available.
4. Read customer reviews
Customer experiences reflect how a company really operates. Look at reviews to see how quickly claims are resolved, whether contractors are reliable and if costs are what you expected. Look specifically for Arkansas reviews mentioning AC and water damage claims, and pay attention to response times in rural areas and flood-prone zones.
Positive reviews often highlight smooth claims processes and responsive customer service, while negative ones may point to frequent denials or hidden costs.
For example, Dianne from Little Rock reflected on her positive experience: “I will recommend Choice to my family and friends, it was a short visit, and the Service men were professional and courteous. I will be making additional claims for additional systems in my home.”
How much does a home warranty cost in Arkansas?
The average cost of a home warranty in Arkansas is $77.44 per month, though quotes range from $35.99 to $119.99 monthly depending on the provider and plan level chosen. Home warranties in Arkansas are 14.5% higher than the national average.
Cost range by home warranty provider
We received quotes for each of our top picks in Arkansas for a three-bed, two-bath home in Little Rock.
| Provider | Monthly premium range* | Service call fee |
 | $71.70 to $111.70 | $100 or $125 |
 | $35.99 to $99.99 | $100 to $150 |
 | $59.99 to $119.99 | $100 or $125 |
 | $46.83 to $54.75 | $100 |
| $71.70 to $111.70 | $100 or $125 |
| $35.99 to $99.99 | $100 to $150 |
| $59.99 to $119.99 | $100 or $125 |
| $46.83 to $54.75 | $100 |
*Data updated January 2026
Monthly or annual premiums
Most plans let you choose between paying monthly or all at once for a discount. Monthly payments help with budgeting, but annual plans can save you money.
Service call fees
You pay a service call fee each time a repair professional comes out. This is like a deductible, usually between $75 and $150 per claim, depending on your plan and location.
Add-on coverage
Many home warranty companies let you customize your plan with add-ons (e.g., for a pool or sump pump). You could pay anywhere from $2 to $25 per month per add-on, depending on the item.
Other home warranty cost factors
Home warranty prices vary widely depending on a few factors:
- Home size and type: Larger homes usually require broader coverage, which can mean higher premiums. If you have a small condo, you’ll likely spend less.
- Level of coverage: Cheaper home warranty plans generally cover fewer items. Comprehensive plans that cover both systems and appliances tend to be pricier.
- Location: Arkansas's climate and regional variation may affect warranty costs. Flood-prone and rural areas typically face higher premiums.
- Discounts: Many companies offer discounts (e.g., for multiyear plans) and other promotions.
Example: total annual home warranty costs
- Systems and appliances combo plan ($48 per month): $576 per year
- Add-on for well pump protection ($8 per month): $96 per year
- Four claims ($90 service fee): $360
- Total: $1,032 per year
What does an Arkansas home warranty cover?
Home warranty plans in Arkansas typically offer three types of coverage: appliance plans, systems plans and combination (combo) plans.
- Appliance plans include household essentials like refrigerators, dishwashers, ovens, microwaves, washers and dryers.
- Systems plans focus on the home’s main mechanical systems: heating, cooling, plumbing, electrical and water heaters — critical for Arkansas’s weather extremes.
- Combo plans combine both appliances and systems, providing the most comprehensive protection.
Most companies also provide optional add-ons so you can customize coverage. In Arkansas, consider add-ons for roof leak repair, sump pump coverage and well pump protection in rural areas.
Reviewers’ experience filing home warranty claims in Arkansas
- Cindy in Little Rock didn’t know what to expect with her first home warranty claim, but the process felt surprisingly low-stress. She said, "the online site made it easy to understand. The online form provided was very quick and simple to complete," and the email response came almost immediately.
Key takeaway: Online claims can be quick, clear and stress-free
- Janet in Bryant filed an urgent AC claim during brutal heat. She says, “there was a bit of a wait from the time I submitted the request to when someone came out,” but once the technician arrived he moved quickly, flushing a clogged line so the air was back. The delay was stressful, but the repair itself was smooth.
Key takeaway: Some wait times may be unavoidable during busy seasons
- Jason in Cabot thought a home warranty would simplify a messy repair but the claims process became the whole problem. “Filed claim 3 times on leaking water heater. Each time, they have denied claim for different reasons.” After fighting the website and getting nowhere, he decided it was time to cancel.
Key takeaway: Repeated denials can make a warranty feel useless
How much can you save with an Arkansas home warranty?
How much you save depends on which repairs you need in a given year. For many Arkansas homeowners, just one covered breakdown makes the entire plan worthwhile.
The Consumer Financial Protection Bureau recommends saving 1% to 3% of your home’s value for annual repairs and upkeep. That’s often more than the $700 to $1,200 you’d spend for a home warranty plus several service fees. One major AC or plumbing fix could mean thousands in savings.
Average repair/replacement costs for covered items
| Item or system | Typical repair cost | Typical replacement cost | Included in basic coverage? |
|---|---|---|---|
| HVAC | $130 to $530 | $5,000+ | Yes |
| Water heater | $200 to $1,000 | $800 to $1,700 | Yes |
| Plumbing | $150 to $800 | $1,500 to $4,000+ | Yes |
FAQ
How does a home warranty work?
A home warranty is a contract that helps pay for repairs or replacements on your home’s appliances and systems. You pay a monthly or yearly premium, plus a service fee each time you need a repair.
When something breaks, you file a claim and the company sends a contractor to diagnose and fix the issue. If the item can’t be fixed, the warranty helps cover a replacement — always check your plan for specific coverage and payout caps.
Is a home warranty worth it in Arkansas?
A home warranty can make sense in Arkansas, especially if you own an older house or live in a rural area. Repairing or replacing a failed AC can quickly exceed $1,500. Many Arkansas homeowners use their warranties for multiple claims each year, making the investment practical for many.
What does a home warranty not cover?
Most home warranty plans do not include issues that existed before you bought the plan, improper installation, cosmetic problems and items with active manufacturer’s warranties. Things like routine maintenance, landscaping or structural features like windows and walls are also excluded.
Some plans exclude flood and severe weather damage. Sump pump failures are often excluded unless added. Wells and septic systems are also frequently excluded from standard plans, so check the fine print carefully.
Coverage limits also apply. For example, your electrical panel coverage may top out at $2,200 per year. If a complete panel upgrade costs $3,600, you'll have to pay $1,400 out of pocket, plus the service fee.
Methodology
The ConsumerAffairs Research Team used a data-backed process informed by expert editorial judgment and verified customer reviews. We started with home warranty companies available in Arkansas, then evaluated which performed best for local residents.
Here’s how we scored each company:
- HVAC coverage and caps (40%): Arkansas’s hot, humid weather makes HVAC issues more common and urgent. We scored companies with high annual caps for HVAC ($5,000 or higher) and unlimited refrigerant coverage much higher than those with lower caps ($3,000 or lower) and caps on refrigerant of $10 to $20 per pound.
- Local satisfaction rate (35%): Reviews from real customers in Arkansas are worth more than a company’s nationwide reputation. If a company has a poor technician network locally or frequently denies Arkansas homeowners’ most frequent complaints, we capture that in our review analysis.
- Cost (10%): To compare apples to apples, we looked at the lowest-priced comprehensive plan each company offers in Arkansas. We also considered the lowest service fees each company offers.
- National satisfaction rate (10%): To get a broader picture of how each company performs in specific aspects, we looked at national reviews. In this way, we could see who, overall, has the highest ratings for these seven satisfaction drivers:
- Technician quality
- Customer service
- Claims handling
- Punctuality and speed
- Coverage
- Value
- Refunds and payouts
- Additional benefits (5%): We rounded out our analysis by considering how many plans and service fee options each company offers (flexibility), labor guarantees and the availability of extra benefits like roof leak repair coverage and HVAC tuneups.
Note: Each superlative emphasizes certain factors more than others. For example, the “Best value” superlative weights cost at 20%, while “Best claims handling” gives more weight to reviews that mention the claims process and customer service.
Guide sources
ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this guide include:
- Arkansas Department of Labor and Licensing, “Licensing.” Accessed Feb. 2, 2026.
Thanks for subscribing.
You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.
Compare top Arkansas home warranty companies
| Company | Customer rating | About | Learn More |
|---|---|---|---|
|
First American Home Warranty
| 4.1
8,990 reviews
| Offers three appliance and system combination plans. Monthly costs range from $42 per month to $82 per month, with a deductible of $85. Add-on coverage is available. | Get a Quote |
|
Cinch Home Services
| 4.2
12,464 reviews
| Offers system, appliance and combination home warranty plans. Service fees start at $100. Monthly fees range from $34.99 to $61.99. All work backed by a 180-day guarantee. Not available in all states. | Read reviews |
|
American Home Shield
| 3.7
111,009 reviews
| Three home warranty plans in 48 states. Unavailable in Alaska or Hawaii. Plans start at $29.99/month with a $125 service fee. No coverage limits on systems; up to $6,000 on appliances. | Get a Quote |
|
Choice Home Warranty
| 4.0
75,652 reviews
| Offers two plans with basic or comprehensive coverage. Plans start at $46.67 per month with an $85 service call fee. Optional coverage for limited roof leaks, pools and spas available. Make a claim online 24/7. | Get a Quote |
Liberty Home Guard
| 4.5
1,735 reviews
| Coverage starts at $1 a day. Customizable plans. Extensive technician network. Additional property discounts. Set per-claim fees. 60-day workmanship guarantee. Offers month-to-month coverage and longer-term plans. | Get a Quote |
HomeSafe
| 4.4
574 reviews
| Customizes home warranty plans in most states. Plans start 25 days after signing. Offers ability to choose own licensed service technician. Can submit claims via phone or online. Does not cover roof leaks. | Get a Quote |
ARW Home
| 4.4
2,899 reviews
| Flexible and affordable plans for home systems and appliances. Add-on coverage for water/sewer and electronics. 15,000+ local licensed technicians serve nationwide. File a claim and request service 24/7/365 online or by phone. | Get a Quote |
Select Home Warranty
| 3.9
16,514 reviews
| Appliance, system and combination plans available. Plans start at around $60 a month. Roof coverage included for some plans. Special promotions include free extra months on your contract and annual pay discounts. | Get a Quote |
Old Republic Home Protection
| 3.8
2,250 reviews
| Offers home warranties designed for real estate professionals in the home selling process. Costs vary by state but expect to pay around $600 to $700 per year for Platinum coverage. Deductible averages $75. | Read reviews |
Prestige Home Guard
| 3.9
9 reviews
| Home warranty plans starting at $29.99/month with $100 service fee. Available throughout the U.S. Fast claims processing. Contractor network to complete repairs. $5,000 coverage limit on most items. | Read reviews |
Regency Total Warranty
| 3.7
1,123 reviews
| Multiple home warranty plans. Coverage for home systems and appliances. Optional add-on coverage. Online and phone claim filing. Pricing starts at $39.99 per month. Discounted rate for annual payment. Available nationwide. | Read reviews |
HomeServe
| 1.6
2,111 reviews
| A la carte options for customized coverage. Local, licensed technicians complete repairs. Guarantees repairs for one year. 24/7 claims hotline. Appliance coverage is available. Plans start at $7.99 a month. | Read reviews |
First Premier Home Warranty
| 1.6
660 reviews
| Provides appliance and systems warranty coverage. Available throughout the U.S. Customizable plans. Submit claims online or by phone anytime. Technicians arrive in 24 to 48 hours. Portable warranty plans. | Get a Quote |
Super
| 1.6
437 reviews
| Offers coverage for both repairs and maintenance. Three levels of service range in cost from $47 per month to $107 per month. Covers major appliances, systems and maintenance for lawn, cleaning, pest control and more. | Read reviews |
ServicePlus Home Warranty
| 1.3
1,963 reviews
| Offers two plans covering select systems and appliances. Costs start at $87.42, with a standard service call fee of $75. Coverage options vary by location. Add-on coverage is also available. | Read reviews |
Sears Home Services
| 1.1
476 reviews
| Technicians have an average of 10 years of experience. Available in all 50 states. 25% discount on noncovered appliances and HVAC repairs. Covers systems and appliances regardless of age, make or model. 30-day wait for repairs. | Read reviews |
2-10 Home Buyers Warranty
| 1.1
6,760 reviews
| Offers simple home warranty plans. Pricing is about average. Plan choice is straightforward. Optional add-ons allow for plan customization. Plan agreements are easy to understand. Claims are handled by an online portal. | Read reviews |
GE Service Contracts
| 1.2
352 reviews
| Offers in-home service for repairs of qualifying appliances. The Service Protection Advantage plan, which provides extended warranties for any GE appliances, is provided through Assurant, Inc. | Read reviews |
Home Warranty of America
| 1.0
4,041 reviews
| Offers two combination plans that cover more than 20 systems and appliances. Pricing starts at $48.33 with deductibles of $75 and $100. Drywall, doorbell and burglar and fire alarms are included in coverage. | Read reviews |
America's Preferred Home Warranty
| 1.0
16 reviews
| Serves all of the United States except California. Offers 24/7 365 access to customer service. Service calls have a $50 or $100 deductible. Options to choose a local contractor or technician. | Read reviews |
The Home Service Club
| 1.2
819 reviews
| Choose from two plans to cover systems and appliances. Available add-ons include roof coverage. Premiums vary by state, but expect to pay about $50 per month for standard coverage, with deductibles from $65 to $125. | Read reviews |
AFC Home Warranty
| 1.0
2,280 reviews
| Available in 47 states and Washington, D.C. Guarantees repairs for duration of contract. Covers up to 18 systems and appliances, including electronics like smartphones. Low coverage caps on some systems and appliances. | Read reviews |
Home Warranty Inc
| 1.0
19 reviews
| Serves all of the United States except California, Oregon, Washington, Arizona and New York. $100 deductible on most plans. In-house or local technician options. 24/7 live claim support and four-hour response times. | Read reviews |
Frontdoor
| 1.0
27 reviews
| Free app offers one live chat session with experts. Free how-to maintenance articles available. Frontdoor Basic, Prime and Premium membership plans. App available nationwide. Frontdoor Premium plan available in select locations. | Read reviews |
American Home Protect
| 1.0
137 reviews
| Offers one base plan with coverage for appliances and systems. Additional coverage options available. Three-year contract. Typical $36 to $65 service fee. Unlimited claims for covered repairs. No online claim portal. | Read reviews |
Global Home USA
| 1.0
View profile
| Home warranty company based in Addison, Texas. Offers three home warranty plans that real estate agents can purchase for their clients. Provides coverage for all states except Alaska, California, Washington and Wyoming. | Read reviews |
Global Home Protection
| 1.0
View profile
| Home warranty company offering three warranty plan options. Additional coverage options available at an additional cost. 24/7 customer service and claim support. Free service transfer available. | Read reviews |
Complete Protection Home Warranty
| 1.0
View profile
| Customizable home warranty plans. Four warranty plans. Pricing ranges from $49 to $79 per month. Covers appliances and home systems. 24/7 customer support. Online customer portal with claim filing. No deductible. | Read reviews |
Armadillo Home Warranties
| No reviews | Offers a variety of home warranty plans for homeowners and landlords. Plans start at $39.99 per month. Network of service providers in most ZIP codes. Offers add-on coverage items. Available in 50 states. | |
Everything Breaks Home Warranties
| No reviews | Monthly and annual home system, appliance and electronics plans. Five tiers of home warranty coverage. Option for individual appliance coverage. 31-day waiting period before coverage starts. | |
Elite Home Warranty
| 1.1
110 reviews
| Three base home warranty plans for appliances and systems. 12-month contract term. Licensed and insured technicians. 30-day waiting period before coverage starts. Older appliances covered. 90-day workmanship warranty. | Read reviews |
AHW Home Warranty
| 1.0
385 reviews
| Offers home warranty packages for basic appliances and major systems. Pay around $50 a month for a combo plan and $75 per service visit. 90-day guarantee on parts and 30-day guarantee for labor. | Read reviews |
Showing 10 of 32
Want your company to be on this guide?
Yes, continueComparing
×![]()