Best overall
- Plans available
- ShieldSilver, ShieldGold and ShieldPlatinum
- Monthly premium range
- $29.99 to $89.99
- Service fees
- $100 or $125
- Labor guarantee
- 30 days
Best Home Warranty Companies in South Dakota
- Best overall
American Home Shield3.6(111,836) - Furnace coverage
First American Home Warranty4.0(9,097) - Technicians
Old Republic Home Warranty3.7(2,366)
By:
Alina Bradford
+2 more
Edited by:
Cassidy McCants
Fact-checked by:
Jon Bortin
Best Home Warranty Companies in South Dakota
Few things go wrong in a South Dakota home as fast — or as expensively — as a furnace giving out in winter. That's why American Home Shield tops our list of the best home warranty companies in South Dakota: its $5,000 heating coverage limit can handle a full furnace or boiler swap instead of leaving homeowners to cover the gap.
That said, the "best" provider depends on what you need most — some homeowners prioritize low monthly premiums, while others care more about technician availability in rural areas. Beyond heating, home warranty plans cover everyday appliances — dishwashers, ovens, clothes dryers — that break down regardless of the season. South Dakota home warranties typically cost between $50 to $114 per month.
Why trust ConsumerAffairs?
- Our recommendations are based on what reviewers say.
- 4,952,979 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.
American Home Shield is a strong option for South Dakota homeowners who want straightforward coverage and lower monthly premiums.
Jump to insightSouth Dakota homeowners pay $70.39 a month for coverage, on average. Annual premiums range from $600 to $1,374 depending on the plan.
Jump to insightIf you live in a more rural part of South Dakota, it's worth prioritizing plans that allow you to choose your own contractor.
Jump to insightOur 4 home warranty company picks in South Dakota
- Best overall: American Home Shield
- Best furnace coverage: First American Home Warranty
- Best technicians: Old Republic Home Warranty
- Best claims handling: HomeSafe
Our research team vetted home warranty companies that are rated by hundreds of customers in South Dakota. Read our guide to choose the best home warranty in South Dakota 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 South Dakota home warranty companies
| Company | Customer rating | Our pick for | Monthly starting cost | Service fee(s) | |
|---|---|---|---|---|---|
 American Home Shield | Get a Quote | 3.6
111,836 reviews
111,836 reviews
| Best overall | $29.99 | $100 or $125 |
 First American Home Warranty | Get a Quote | 4.0
9,097 reviews
9,097 reviews
| Furnace coverage | $42 | $100 or $125 |
 Old Republic Home Warranty | Learn More | 3.7
2,366 reviews
2,366 reviews
| Technicians | $50 | $100 or $125 |
 HomeSafe | Learn More | 4.3
731 reviews
731 reviews
| Claims handling | $69 | $65 |
Our 4 South Dakota home warranty company picks
Learn more about our top picks for the best home warranty companies, based on real, recent reviews from customers in South Dakota on ConsumerAffairs.
Best furnace coverage
- Plans available
- Starter, Essential and Premium
- Monthly premium range
- $37 to $72
- Service fees
- $100 or $125
- Labor guarantee
- 30 days
Best technicians
- Plans available
- Basic, Deluxe and Elite
- Monthly premium range
- $50 to $80
- Service fees
- $100 or $125
- Labor guarantee
- None specified
Best claims handling
- Plans available
- Appliances, Systems and Best Home
- Monthly premium range
- $69 to $79
- Service fees
- $65
- Labor guarantee
- 60 days
Home Warranties in South Dakota Buyers Guide
Jump into our guides and start learning
In this guide
South Dakota's cold winters and rural housing create challenges for maintaining heating, plumbing and well systems. A home warranty helps reduce the cost of repairing or replacing essential systems when they fail.
How to choose a home warranty in South Dakota
Finding the best home warranty in South Dakota means considering your priorities for both coverage and service. Here's a step-by-step guide to making a decision:
1. Decide what coverage you need
Start by deciding if you want appliance protection, systems coverage or a combination plan. If you worry about HVAC or plumbing failures due to age or harsh weather, look for systems coverage. Combination plans are usually the best fit for South Dakota, as they offer higher limits and minimize gaps.
A plan that doesn't skimp on either AC or furnace coverage is a necessity. High limits for both are a must.
2. Compare costs
Compare more than just monthly premiums. Factor in service call fees — these usually range from $75 to $125 and can add up if you call for service several times a year.
The best value in South Dakota is not the cheapest plan. It's the one with the highest combined payout for HVAC and the most inclusive weather protection.
Always check coverage limits and the cost of important add-ons like well pump or roof leak coverage, since these affect your annual expense significantly.
3. Review sample contracts
Each company's sample contract spells out what's covered and what's not. Read carefully for exclusions, such as preexisting problems or weather-related damage.
Hail is almost always listed as a non-covered "Act of God" that would void coverage for your AC condenser, for example. Also, check the terms for frozen pipes and sump pump failures.
4. Read customer reviews
Hearing directly from South Dakota and Upper Midwest homeowners is invaluable. Their reviews reveal how companies handle urgent repairs, especially during blizzards or summer heat waves.
Positive reviews often highlight smooth claims processes and responsive customer service, while negative ones may point to frequent denials or hidden costs.
For example, Christina in Rapid City had trouble getting a repair done, but it wasn't because of a claim being denied. "They could not get us an electrician because no one wants to work with them." This shows that it's worth looking into a company's reputation with local contractors.
How much does a home warranty cost in South Dakota?
A home warranty in South Dakota costs $70.39 per month, on average. Home warranty premiums generally range from $50 to $114 per month, depending on the plan. The average cost of a home warranty in South Dakota is 4.1% higher than the national average.
Cost range by home warranty provider
We received quotes for each of our top picks in South Dakota for a three-bed, two-bath home in Sioux Falls.
| Provider | Monthly premium range* | Service call fee |
|---|---|---|
 | $49.99 to $109.99 | $100 or $125 |
 | $59.46 to $114.46 | $100 or $125 |
 | $50 to $80 | $100 or $125 |
 | $69 to $79 | $65 |
| $49.99 to $109.99 | $100 or $125 |
| $59.46 to $114.46 | $100 or $125 |
| $50 to $80 | $100 or $125 |
| $69 to $79 | $65 |
*Data from July 2026
Monthly or annual premiums
Home warranty companies let you pay either monthly or annually. Monthly payments make costs manageable, while annual payments often include a discount. Your total cost depends on plan type and provider.
Service call fees
Expect to pay a service call fee, similar to a deductible, each time a technician visits. These typically range from $75 to $150 per claim and can impact your total costs if you require several repairs a year.
Add-on coverage
You can often customize your plan with add-ons, such as coverage for a pool, well pump or sump pump. Add-ons generally cost $2 to $25 per month, depending on the feature.
Other home warranty cost factors
Your price will depend on:
- Home size and type: Larger homes may need more coverage, which raises premiums. Smaller homes or condos cost less to insure.
- Level of coverage: Basic plans are cheaper, but more comprehensive combo plans offer better protection.
- Location: Your ZIP code can affect how much you pay in premiums.
- Discounts: Look for deals from providers, such as discounts for multi-year contracts.
Example: total annual home warranty costs
- Systems coverage ($45 per month): $540 per year
- Add-on for roof leak repair ($10 per month): $120 per year
- Add-on for well pump ($10 per month): $120 per year
- Two claims ($100 service fee): $200
- Total: $980 per year
What does a South Dakota home warranty cover?
Home warranty coverage in South Dakota typically falls into three groups: appliance-only, systems-only and combination plans.
- Appliance plans protect kitchen and laundry appliances like refrigerators, washers, dryers and dishwashers.
- Systems plans focus on essential home systems: heating, plumbing, electrical, water heaters and ductwork.
- Combo plans offer the widest protection, covering both appliances and systems. They also typically come with higher overall limits.
Many South Dakota homeowners benefit from optional add-ons. Well pump and septic coverage are common add-ons in rural South Dakota. Roof leak coverage is also valuable due to heavy snowfall and spring storms.
» LEARN: What voids a home warranty
Reviewers' experience filing home warranty claims in South Dakota
- Loretta in Blunt saw how fast things can move when she filed a claim for her broken stove. “A technician called me the day after I had called ... He came and looked at it the next day or two.” He ordered the part, returned and “fixed it and it works great.”
Key takeaway: Once scheduled, repairs can be quick
- When the outdoor AC unit kept tripping the breaker, James in Sioux Falls wanted a quick fix without a huge surprise bill. He says, "Submitting the claim through their online chat was very easy," and a contractor called within an hour. Parts were delayed, but he still liked not paying for a full system upfront.
Key takeaway: Easy claim filing helps soften the cost of sudden breakdowns, but parts delays may still slow down repairs
- Richard in Doland thought the AC crisis would be straightforward, but the claim turned into a maze. The technicians his provider assigned were “2 1/2 hrs away for an appointment.” He decided to hire his own local contractor, but when he tried to submit a reimbursement claim, the company “said my claim was closed and I would not be reimbursed.”
Key takeaway: Delays and red tape can leave you paying out of pocket
How much can you save with a South Dakota home warranty?
Your actual savings will depend on the repairs you need, but a single covered breakdown can easily justify the cost of a home warranty. The Consumer Financial Protection Bureau recommends setting aside 1% to 3% of your home's value annually for maintenance — far more than you'd pay for a home warranty and a few service calls.
Some homeowners have complaints about their home warranty plans, but still find value in them overall. "I appreciate not having to cover the cost of a whole appliance outright, although there are minor charges not ordinarily covered," said James from Sioux Falls.
Average repair/replacement costs for covered items
In a state like South Dakota, where climate extremes strain HVAC systems and very hard water leads to mineral buildup in water heaters and plumbing, the potential for costly repairs is high. Here's what you'll pay for the most common repairs and replacements in South Dakota without a home warranty:
| Item or system | Typical repair cost | Typical replacement cost | Included in basic coverage? |
|---|---|---|---|
| HVAC (furnace/AC) | $130 to $530 | $3,000 to $5,000+ | Yes |
| Water heater | $200 to $1,000 | $800 to $1,700 | Yes |
| Plumbing (main line, frozen pipes) | $150 to $800 | $1,500 to $4,000+ | Yes |
FAQ
How does a home warranty work?
A home warranty is a service agreement that covers major systems and appliances. You pay a monthly or annual premium plus a set service fee each time you request a repair.
When something breaks, you file a claim, and the warranty company sends a contractor to diagnose and fix the issue. If it can’t be repaired, the company may contribute toward a replacement. Exact coverage and payout caps depend on your plan.
Is a home warranty worth it in South Dakota?
A home warranty can be valuable if you want protection from unexpected repair or replacement costs. Many homeowners appreciate the peace of mind that comes from knowing a furnace or appliance breakdown won’t lead to a surprise expense.
What does a home warranty not cover?
Most warranties exclude preexisting problems, improper installation, cosmetic issues and items still under a manufacturer’s warranty.
Contracts also set coverage caps. For example, only paying up to a certain dollar amount for HVAC repairs. Routine upkeep, landscaping and structural features such as walls, roofs or windows are typically not included.
A home warranty in South Dakota will not cover damage to crops, livestock or large outbuildings from a blizzard, hailstorm or thunderstorm. It is designed for the systems within the primary residence.
What happens if a South Dakota home warranty company can’t find a technician?
If a South Dakota home warranty company can’t find a technician, it may authorize you to use a licensed local contractor. Get written approval first and confirm the reimbursement process before scheduling the repair yourself.
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 South Dakota, then evaluated which performed best for local residents.
Here's how we scored each company:
- Local satisfaction rate (40%): Reviews from real customers in South Dakota are worth more than a company's nationwide reputation. If a company has a poor technician network locally or frequently denies South Dakota homeowners' most frequent complaints, we capture that in our review analysis.
- Heating system coverage (35%): Winters in South Dakota put furnaces and heating systems under heavy strain. We weighted each company by its heating coverage caps and how it handles freeze damage, since a failed furnace in South Dakota is an emergency, not an inconvenience.
- Cost (10%): To compare apples to apples, we looked at the lowest-priced comprehensive plan each company offers in South Dakota. 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:
- Federal Trade Commission, "Report to Help Fight Fraud!" Accessed July 18, 2026.
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Compare top South Dakota home warranty companies
| Company | Customer rating | About | Learn More |
|---|---|---|---|
|
American Home Shield
| 3.6
111,836 reviews
| Three home warranty plans in 48 states. Unavailable in Alaska or Hawaii. Plans start at $29.99/month with a $125 service fee. $5,000 coverage limit on HVAC; up to $2,000 or $4,000 on appliances. | Get a Quote |
|
First American Home Warranty
| 4.0
9,097 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 |
|
Old Republic Home Warranty
| 3.7
2,366 reviews
| Offers customizable home warranty plans to current homeowners, homebuyers and sellers in 26 states. Costs vary by state and plan level. Optional coverage choices available. | Read Reviews |
|
HomeSafe
| 4.3
731 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. | Read Reviews |
Liberty Home Guard
| 4.6
1,975 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 |
ARW Home
| 4.4
2,976 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 |
Choice Home Warranty
| 4.1
77,823 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 |
Cinch Home Services
| 4.1
12,586 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. | Get a Quote |
Prestige Home Guard
| 4.2
10 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 |
Select Home Warranty
| 3.7
16,635 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 |
Regency Total Warranty
| 3.3
1,171 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 |
Global Home USA
| 3.1
16 reviews
| 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 |
Super
| 2.8
446 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 |
HomeServe
| 1.7
2,147 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 $4.99 a month. | Read Reviews |
First Premier Home Warranty
| 1.6
692 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 |
America's Preferred Home Warranty
| 1.7
17 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 |
Sears Home Services
| 1.1
558 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
6,821 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
| 1.1
369 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 |
ServicePlus Home Warranty
| 1.2
1,978 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 |
Home Warranty of America
| 1.1
4,058 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 |
The Home Service Club
| 1.2
823 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 $54 per month for standard coverage, with deductibles from $65 to $125. | Read Reviews |
AFC Home Warranty
| 1.0
2,281 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
24 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
30 reviews
| Free app offers one live chat session with experts, plus access to vetted local providers for in-home services. Free how-to maintenance articles available. Free and paid membership plans. App available nationwide. | 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 $85 to $100 service fee. Unlimited claims for covered repairs. | 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 $29.99 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
| 1.0
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 |
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