Write a review
  3. Homeowners
  4. Home Warranties
  5. Best Home Warranties

Best Home Warranties in Mississippi

We compared 13 companies and chose the top home warranty providers

    • Choice Home Warranty
      4.0(69,169)
    • American Home Shield
      3.8(106,206)
    • HomeServe
      1.9(1,958)
    Author picture
    By: Alina Bradford
    +1 more
    Author picture
    Edited by: Cassidy McCants

    Best Home Warranties in Mississippi

    If you’ve been thinking about getting home warranty coverage in Mississippi but aren’t sure where to start, we can help. We’ve selected the top home warranty companies in Mississippi by analyzing customer reviews and ratings and comparing brands on availability, price, coverage and other factors.

    Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us — this does not affect our recommendations or evaluations but may impact the order in which companies appear.

    Our editor’s top picks

    1. Quick service: Choice Home Warranty
    2. Value: American Home Shield
    3. System plans: HomeServe
    Why trust ConsumerAffairs?
    • Our recommendations are based on what reviewers say.
    • 4,678,299 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.

    3 best home warranty companies in Mississippi, reviewed

    We’ve talked to thousands of Mississippi homeowners who invested in home warranty coverage. To choose our top picks for this guide, we compared 26 companies on coverage limits, prices, available plans and other factors.

    Buyers Choice Award Finalist
    Choice Home Warranty
    Choice Home Warranty
    4.0
    69,169 reviews
    Plans available
    2
    Service fees
    $100
    Starting costs
    $46.83
    Get a Quote Read Reviews

    Choice Home Warranty offers 2 plans specialized to your needs. Depending on what type of coverage you choose, you can expect to pay $49.17 to $57.50 monthly or $532 to $627 annually.

    Mississippi customers praise the professionalism and promptness of the technicians. They generally report being satisfied with the coverage and feel that the company lived up to its promises.

    Gloria in Horn Lake has consistently had good experiences with Choice: “I love Choice Home Warranty, they are always prompt and on the job. I am never disappointed and if you have a issue with the vendor and you are dissatisfied they will quickly correct the problem.”

    Jane in Nettleton said: “The service tech was very respectful and polite and was able to identify the problem right away. He quietly fixed the problem and cleaned the area, putting everything back just like it was! Impressive!! I would recommend Choice Warranty. A service call Resulted in a repair day in a timely manner.”

    Some Mississippi customers express frustration over issues such as delays in service and unsatisfactory reimbursements for replacements.

    Judith in Madison was disappointed with the reimbursement she received: “The amount I was offered was not acceptable and I requested to speak to a customer service representative, I am satisfied with the amount to replace my double wall electric oven but not the Method of payment (Lowe’s gift card).”

    2025 Buyers Choice Award Winner
    American Home Shield
    American Home Shield
    3.8
    106,206 reviews
    Plans available
    3
    Service fees
    $100 or $125
    Starting costs
    $29.99
    Get a Quote Read Reviews

    American Home Shield has 3 different plans that cover up to 24 systems and appliances combined. In the event the company has to schedule service at your home for a covered appliance or system, you’ll be charged a service call fee of $100 or $125. It’s available in 48 states, including Mississippi.

    Customers in Mississippi appreciate the promptness and professionalism of the contractors sent by AHS to repair their appliances and systems. They also praise the ease of submitting claims online and the user-friendly website.

    Flora in Jackson reported good experiences: “When something in my house breaks down, they come out immediately and repair it. I cannot afford to buy appliances. I can just call them. I had an issue the other day and the claims process went super fast. It was also easy to work with the contractor and the payment came out of American Home Shield's pocket.”

    Shanda in Grenada said, “American Home Shield has been diligent enough to send individuals out to repair whatever the issue is. I have an issue with my heating and air that sometimes would show up and sometimes wouldn't. The contractor, 3D Hoover Services, is trying to catch it at a time when it's doing what we say it's doing and American Home Shield is on it to send them out when I need to have them to come back.”

    Some Mississippi customers report issues with communication or delays in getting repairs done.

    Danny in Beiden had some communication issues: “My experience with American Home Shield was a little rocky due to I had to reschedule three times. Whatever the issue was whenever the contractor was scheduled to come out, they did not come out for, and when I called to try to remedy that issue, they said that I canceled the request when I never did. So, there was a disconnect there.”

    3x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service, Best Overall Value and Best Overall Process
    HomeServe
    HomeServe
    1.9
    1,958 reviews
    Plans available
    17
    Service fees
    Varies
    Starting costs
    $3.99
    Read Reviews

    HomeServe offers 17 home warranty plans. It’s available in 50 states, including Mississippi. If you opt for combined coverage, up to 16 of your appliances and systems will be covered.

    HomeServe customers in Mississippi appreciate HomeServe’s coverage and its responses to covered problems.

    Betha in Gulfport said: “HomeServe is the best service ever, [it covers] everything possible ... the service I have received from HS is the best.”

    Some Mississippi HomeServe customers mention service delays.

    Bettye in Jackson said: “I had a bad experience with HomeServe. I called them up for inside wiring and they sent us an electrician the other week. I explained to him what had happened and he headed to the fuse box. He told me there wasn't anything wrong but one of the ceiling fans needed to be replaced. But he called up HomeServe and gave the rep a lot of other things that he said had to be done. I’ve had other people here, but they didn’t say that.”

    Home Warranties in Mississippi Buyers Guide

    Jump into our guides and start learning

    In this guide

    Top Picks

    See who reviewers like

    Choice Home Warranty logo
    American Home Shield logo
    HomeServe logo
    See our top picks

    Simplify your search

    Compare plans tailored to your home & budget.

      Do you need a home warranty company in Mississippi?

      The Mississippi River, beaches and rich culture appeal to many people looking to live in the state. Although Mississippi has many benefits, the humid subtropical climate can rapidly speed up the deterioration of your home systems and appliances.

      In the long, hot Mississippi summers, an air-conditioned home can be a crucial soothing escape from the scorching temperatures. However, your system can take a beating from the constant battle with the heat and humidity, leading to a breakdown.

      Not to worry, though. A home warranty may be able to help with repairs and replacements. Most home warranties cover a variety of systems and appliances, including HVAC, but coverage varies for each company.

      It’s also important to remember that many home warranty plans have exclusions and coverage caps. This means that the company may deny your claim for several reasons, and they may not cover the full cost of repairs. Make sure to double-check your home warranty contract before signing to ensure you have comprehensive coverage for your systems and appliances.

      How are home warranties regulated in Mississippi?

      The National Home Service Contract Association regulates all home warranty companies and contracts for Mississippi. On the department's website, you can file a complaint, report fraud or check to see if a company is legitimate.

      Mississippi has a few regulations in place for builders and owners. The New Home Warranty Act is designed to shield new homeowners from abusive builders' practices.

      Based on state laws, builders in Mississippi must provide a warranty stating that the home will not have any defects due to noncompliance for at least one year after the commencement date. Builders must also provide a warranty that promises the home will not have any structural defects due to noncompliance for six years after the home is completed.

      If you do encounter any builder defects, there are regulations before you can receive coverage. There's a 30-day waiting period before you can file a claim, and you must send a written notice to the builder within 90 days of finding the defect and a reasonable opportunity for them to fix the damage.

      The New Home Warranty Act also protects builders from homeowners. It states many exclusions that builders don’t have to cover in their warranties unless they are agreed to in writing.

      Here are a few exclusions that are not required to be repaired by builders in Mississippi:

      • Defects in outbuildings such as detached garages or carports
      • Swimming pools and other recreational facilities
      • Driveways, walkways, patios, landscaping and fences
      • Negligence
      • Improper maintenance
      • Any changes or alterations by anyone but a builder
      • Condensation or dampness due to the failure to maintain proper ventilation by the homeowner
      • Normal wear and tear
      • Loss or damage that wasn’t caused due to a defect by the builder
      • Loss or damage caused by war, accident, riots or civil commotion
      • Acts of nature
      • Falling objects or aircraft
      • Insect or pest damage
      • Mold or mildew not due to a builder's defect

      FAQ

      How much does a home warranty cost?

      The national average cost for a home warranty is $450 to $600 per year as of publishing, but specialty plans with limited coverage are also available for less. How much you’ll end up paying depends on the norm in Mississippi and the company and plan you choose. Home warranty companies sometimes offer ways to save, like bundling plans or opting for a higher service call fee.

      Is a home warranty worth it in Mississippi?

      A home warranty is worth it to many homeowners for peace of mind, but this depends on your financial situation, the state of your appliances and several other factors. If a repair or replacement for a home system or appliance could break you, it might be worth shelling out the monthly payment for coverage.

      What’s the difference between a home warranty and homeowners insurance?

      Unlike homeowners insurance, a home warranty isn’t a requirement for taking out a mortgage. Home warranties cover various home appliances and systems in the event they break down due to regular use; homeowners insurance, on the other hand, covers your property and belongings if they’re destroyed in an accident (like a fire or bad weather).

      Methodology

      ConsumerAffairs carefully collects in-depth, verified reviews to tell each customer’s experience with a company. We believe customer experiences are a crucial indicator when evaluating companies, so these reviews are a significant factor when selecting our top picks.

      To choose the top home warranty companies in Mississippi, we started with the 26 popular providers listed in our main home warranty guide. First, we narrowed it down to the ones available in Mississippi. We then weighted several key features to get our final rankings:

      • Coverage options: We broke down each company’s home warranty plans to ensure they offered multiple coverage options to fit a variety of needs.
      • Plan flexibility: Customizing a plan can tailor it to your needs and help you save money by not paying for coverage you don’t need. We checked to see what customization options each company offered, including the ability to select a service fee and the number and cost of add-on coverages.
      • Cost: Costs for home warranty plans vary based on the size of the home and the coverage selected, but we confirmed our top picks’ prices were competitive in the home warranty industry.
      • Service call fee: We looked at the service fee each company charged to send a technician to your house to ensure our top picks were in line with industry standards.
      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:

      1. National Home Service Contract Association, “Mississippi.” Accessed May 23, 2024.
      2. Home Builders Association of Jackson, “New Home Warranty Act.” Accessed May 23, 2024.

      Not sure how to choose?

      Get buying tips about Home Warranties in Mississippi delivered to your inbox.

        By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

        Thanks for subscribing.

        You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

        Compare Top Mississippi Home Warranty Companies

        Showing 10 of 13

        Want your company to be on this guide?

        Yes, continue
        Comparing

        ×