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Best Home Warranties in South Dakota

We compared 10 companies and chose the top home warranty providers

    • Choice Home Warranty
      4.0(66,287)
    • American Home Shield
      3.9(104,081)
    • HomeServe
      2.8(1,897)
    Author picture
    By: Alina Bradford
    +1 more
    Author picture
    Edited by: Cassidy McCants

    Best Home Warranties in South Dakota

    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.

      If you’ve been thinking about getting home warranty coverage in South Dakota but aren’t sure where to start, we can help. We’ve selected the top home warranty companies in South Dakota 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.
      • 4,590,016 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 South Dakota, reviewed

      We’ve talked to thousands of South Dakota 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
      66,287 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.

      Customers in South Dakota have generally positive reviews of Choice Home Warranty. They appreciate the ease of setting up the service and the helpfulness of the representatives. Many say their appliances and systems were repaired in a timely and professional manner, and some mention affordable plans.

      Phil from Black Hawk said Choice Home Warranty offered a “much better value” than competitors for about $10 more per month. “The rep was very convincing, it made sense so I pulled the trigger. … I think it will work out well for my wife and myself.”

      Leo from Freeman said he “had great rep that explain(ed) everything.” Another reviewer from South Dakota said she was “completely satisfied” with her plans: “Choice Home Warranty was on top of our claim, the technician arrived the same day, told us what the issue was, and was approved for the repair the next day. AWESOME!!! I have their Warranty protect for two properties.”

      A few customers had issues finding a repair person or felt that the reimbursement could have been better. Some felt that Choice Home Warranty did not honor their coverage or provide satisfactory solutions to their problems. With all home warranty plans, it’s crucial to carefully read the fine print to ensure you understand your coverage.

      Susan from Rapid City said she couldn’t offer a “favorable testimony” after her garbage disposal claim was denied. “I was told the reason it was not covered was because of normal wear & tear,” she said. “I have since replaced the garbage disposal at my own expense but I am not happy about it. The reason I got a home warranty was to avoid expensive repairs. I have renewed my policy but if this is the treatment I'll receive, I may not renew again.”

      2024 Buyers Choice Award Winner
      American Home Shield
      American Home Shield
      3.9
      104,081 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 (not Alaska, Hawaii or New York City), including South Dakota.

      Customers in South Dakota have generally had positive experiences with American Home Shield. Some praise the helpfulness and professionalism of the company’s reps and contractors, and many feel that AHS provides good value for the money.

      Michael in Sioux Falls submitted a claim for his thermostat and received immediate service. “The techs replaced it the same day,” he said. “They did a great job.”

      Another Sioux Falls reviewer, who had coverage for several years before reviewing the company on our site, said, “The AHS team have been very good to work with. We've had a furnace, a garage door opener and garbage disposal replaced and a microwave repaired. The AHS service has been a good value for us, great service for the money.”

      While many American Home Shield reviewers on our site have been pleased with the company, some South Dakota reviewers have had issues with slow response times or unhelpful customer service.

      Abby from Bluffton said her coverage was a “great idea gone bad.” She said she waited several weeks for a dryer repair: “They do not call you back, follow through on orders or initiate contact when things are not going well. … As soon as I get my money's worth out of them I will cancel and sign up for individual extended warranties by the manufacturer.”

      5x Award Winner
      Selected for having one of the highest satisfaction rates for Best Claims Handling, Best Coverage Options, Best Customer Service, Best Technicians and Best Value for Price
      Buyers Choice Award Finalist
      HomeServe
      HomeServe
      2.8
      1,897 reviews
      Plans available
      17
      Service fees
      $0
      Starting costs
      $3.99
      Read Reviews

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

      Many customers in South Dakota have had positive experiences with HomeServe regarding plumbing and heating issues. Several mention timely and helpful service, convenience and reliability.

      One reviewer from South Dakota said, “I can call them 24-7 and they get a tech out here. Our furnace wasn't working and the friendly techs did some maintenance work on it. They did a fantastic job. The furnace is running well now. I've had HomeServe on my MDU bill for several, several years. And so it has come in handy at different times. We really appreciate it.”

      Jerilyn from Deadwood reported great service in a “timely manner” after submitting a furnace claim. “We have never been disappointed in your service calls. … The service representatives are always kind and very helpful,” she said.

      A few HomeServe customers in South Dakota have reported delays in service, poor communication and denial of coverage for necessary repairs.

      Bernadine from Rapid City said she was told there were no service providers in her area after signing up and enduring a six-week waiting period. “I had paid the extra charge,” she said. “I asked to be canceled and a refund to be sent out. Never received a refund. Lousy lousy lousy company to do business with.” HomeServe did reach out to Bernadine about the issue following this review, though we’re not sure how the situation was handled from there.

      How to find a home warranty company in South Dakota

      Purchasing a home warranty in South Dakota is a straightforward process that begins with understanding your specific needs. South Dakota's harsh winters can be tough on home systems, so make sure to prioritize coverage that will protect you from unexpected breakdowns during the cold months.

      Next, research home warranty companies that operate in South Dakota. Look at reviews and ratings from other homeowners in the state to find reliable options. Compare the different plans available, checking what’s included, the costs and any additional fees.

      Reach out to the companies with any questions. Clarify the terms and conditions, understand the claims process and look for any special offers or discounts. South Dakota residents might find seasonal promotions, especially before winter sets in. After gathering all the information, choose the home warranty plan that best fits your needs and budget, ensuring you have peace of mind and protection for your home’s systems and appliances throughout the year.

      How are home warranties regulated in South Dakota?

      South Dakota home warranty companies aren’t regulated by specific laws directed at the industry. Your best bet is to address any concerns or complaints to the Federal Trade Commission.

      » MORE: Home warranty regulations

      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 South Dakota 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 South Dakota?

      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 South Dakota, we started with the 26 popular providers listed in our main home warranty guide. First, we narrowed it down to the ones available in South Dakota. 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. Federal Trade Commission, “Report to help fight fraud!” Accessed July 31, 2024.

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