Best Home Warranties in Mississippi

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.

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.

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

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.