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I perceive the toll that Mississippi’s humid local weather takes on house home equipment and techniques. From scorching summers that push air conditioners to their limits to the excessive rainfall within the spring and tropical storms within the fall, Mississippi houses face rather more put on and tear than common. When important elements like AC models, electrical techniques, and plumbing techniques break down, restore prices can spiral into the 1000’s, putting a major monetary burden on an unsuspecting household.
Dwelling warranties provide an answer to those surprising bills, offering peace of thoughts by way of monetary safety. Nonetheless, complicated contracts plague the {industry} by way of denied claims, sluggish responses, and subpar service from some suppliers. To assist Mississippians discover reliable protection, I carried out in depth analysis into the highest house guarantee corporations serving our state. Utilizing Right now’s House owner’s stringent ranking standards, I evaluated every supplier’s protection choices, value, customer support, claims course of, and repute.
Via this in-depth evaluation, I recognized house guarantee corporations that stand above their friends for his or her complete protection, clear phrases, and dependable service. These suppliers have plans to satisfy the wants of Mississippi owners, ensuring that the important techniques and home equipment most susceptible to breakdowns carry ample safety. If you happen to’re a Mississippi house owner looking for a reliable security internet in opposition to pricey repairs, take into account one of many greatest house guarantee corporations I talk about on this article.
Why Belief Us?
Right here’s how we ranked and reviewed the nation’s high house guarantee corporations to convey you essentially the most correct data.
76
Our staff of consultants reviewed over 70 house guarantee suppliers to check plan choices, protection limits, costs, and buyer suggestions.
152
We collected over 100 pattern quotes from dozens of house guarantee corporations to offer you an correct take a look at {industry} pricing.
6
Our ranking system scores suppliers based mostly on 6 key components: protection choices, affordability, buyer expertise, repute, claims processes, and availability.
Learn our full Dwelling Guarantee Evaluate Methodology for extra particulars.
Prime 5 Dwelling Guarantee Firms
Highlights
- For Mississippi owners looking for a customizable house guarantee, Liberty Dwelling Guard is a standout selection. With elective add-on protection accessible for septic techniques, nicely pumps, and pool/spa tools, you may tailor a coverage to your property’s particular wants. This flexibility is particularly beneficial given the state’s sizzling, humid local weather and houses with numerous distinctive techniques and options. Liberty Dwelling Guard has earned reward for its responsive claims service, giving me confidence it might probably reply rapidly to restore points.
- If fast repairs are a high precedence for you, take into account American Dwelling Protect. AHS boasts a formidable observe report of dealing with most claims inside 24 hours. In Mississippi’s excessive climate situations, swift motion is essential for stopping minor equipment or system points from escalating into pricey damages. AHS additionally covers unknown preexisting situations, offering additional assurance for houses with older elements.
- As you evaluate house guarantee choices within the Magnolia State, scrutinize protection caps, exclusions, and repair charges to make sure your coverage aligns along with your price range and residential’s particular wants. Reap the benefits of any promotions or reductions to maximise worth. Lastly, learn critiques from fellow Mississippians to see how suppliers dealt with claims for houses just like yours. An intensive evaluation of the nice print and native insights mix to color a clearer image of the safety and repair you may anticipate.
My Skilled Suggestion
Liberty Dwelling Guard’s flexibility is especially spectacular, with over 40 add-on choices permitting Mississippians to customise their protection to match their house’s distinctive wants. From pest management to premium equipment safety, these add-ons present important safeguards in opposition to the damage and tear attributable to our state’s humid summers and occasional winter chilly snaps. Liberty’s 24/7 emergency service additionally presents important reassurance when breakdowns strike on the most inconvenient instances.
For owners with high-end home equipment and techniques, American Dwelling Protect and Elite Dwelling Guarantee are additionally value contemplating. Each are well-established and Higher Enterprise Bureau-accredited, instilling confidence of their reliability. AHS presents beneficiant protection limits of $4,000 for home equipment and $5,000 for house techniques, whereas EHW goes even additional — $6,000 in equipment protection and $10,000 for techniques. These ample caps may also help shield even the costliest tools. Nonetheless, it’s important to fastidiously evaluate the nice print for exclusions earlier than committing to any plan.
Right now’s House owner Ideas
Liberty Dwelling Guard’s flexibility is especially spectacular, with over 40 add-on choices permitting Mississippians to customise their protection to match their house’s distinctive wants.
Mississippi Dwelling Guarantee Firms I Didn’t Embrace
Whereas First American Dwelling Guarantee (FAHW) is a widely known supplier within the {industry}, I selected to not embrace it amongst my high suggestions for Mississippi owners. My major concern lies within the lack of transparency about its service space. Though FAHW claims to supply protection in Mississippi, my expertise suggests it doesn’t instantly serve each state listed on its web site. Whenever you get a quote, FAHW could redirect you to a third-party web site. On this case, you’ll get quotes from competing house guarantee corporations fairly — not FAHW. I’ve tried getting quotes in a number of states, and FAHW doesn’t service a lot of them instantly. Till FAHW addresses this situation and gives protection to Mississippi houses instantly, I hesitate to advocate it as a best choice for residents in our state.
I additionally determined in opposition to together with Selection Dwelling Guarantee amongst my high picks for Mississippi owners due to an ongoing shopper fraud lawsuit filed by the Arizona lawyer normal in opposition to the corporate. Till the case concludes and I can study the ultimate ruling, I don’t really feel snug recommending Selection Dwelling Guarantee to Mississippians. If the prison criticism delivers credible proof of misleading or fraudulent practices, that will solidify my place to depart Selection off my listing, advising Mississippi residents to keep away from this supplier. Nonetheless, if the case is dismissed with none regarding findings, I’ll rethink Selection as an area house guarantee supplier.
Examine The Highest Rated Dwelling Warranties In Mississippi
Quote and price knowledge gathered January 2024. Value knowledge are up to date and monitored constantly.
Our Opinions of the Finest Dwelling Warranties in Mississippi
Finest for Customization
Liberty Dwelling Guard
4.6
Our Ranking
Restricted Time:
$200 Off + 2 Months free + Free Roof Leak Protection
I admire Liberty Dwelling Guard’s unparalleled customization choices, with over 40 add-ons permitting Mississippians to tailor protection to their house’s distinctive options. From safety for backup turbines to climate energy outages throughout sweltering summers to protection for specialised objects like central vacuum techniques or visitor homes, Liberty gives the pliability to create a plan that completely matches your wants.
I additionally worth the corporate’s dedication to customer support, sustaining a formidable 4.7-star ranking on each Google and Trustpilot, far surpassing the 2- to 3-star common typical of many house guarantee corporations. This stellar repute for responsive service, mixed with extra perks like a 60-day workmanship assure that extends nicely past the {industry} normal of 30 days, provides me confidence that Liberty will probably be there when Mississippians want them most, whether or not in rural or city areas.
Whereas Liberty Dwelling Guard’s customizable plans are interesting, I’ve some reservations after reviewing its pattern contract. My major concern is Liberty’s low protection caps, which max out at simply $2,000 for house home equipment and techniques. That is considerably decrease than rivals like Elite Dwelling Guarantee, which presents as much as $6,000 in safety, doubtlessly leaving Mississippians with substantial out-of-pocket bills if they should exchange pricey objects like air conditioners. Moreover, Liberty’s quite a few add-ons come at a comparatively steep common value of $15 per 30 days, in comparison with simply $6–$12 from suppliers equivalent to EHW.
Backside Line: 9.3/10
For Mississippi owners looking for a dependable and inexpensive house guarantee, Liberty Dwelling Guard is my best choice. With plans beginning at round $50 per 30 days, Liberty presents complete protection and over 40 distinctive add-ons tailor-made to houses within the Magnolia State, equivalent to safety for nicely pumps, sump pumps, turbines, window cleansing, and even pest management. This distinctive stage of customization, mixed with Liberty’s persistently praised customer support, quick claims processing, and responsive help, is why I give the corporate a formidable 9.3/10 ranking.
One potential limitation to contemplate is Liberty’s $2,000 protection cap per merchandise, which can not totally cowl repairs or replacements for high-end home equipment. Nonetheless, Liberty goes above and past by providing a 60-day workmanship assure, doubling the {industry} normal and offering additional peace of thoughts. For Mississippi owners who don’t personal ultra-premium home equipment, Liberty’s profitable mixture of personalised plans, aggressive costs, and devoted customer support is tough to beat. If you happen to’re searching for a house guarantee that may be tailor-made to your particular wants and price range, Liberty Dwelling Guard is the best choice.
Plans and Protection: 10/10
Liberty Dwelling Guard will get an ideal 10/10 ranking from me for its unmatched customizability, sturdy plans, and affordability, making it a great selection for Mississippi owners. With over 40 add-ons, equivalent to sump pump protection, electronics safety, generator protection, energy washing, swimming pools, spas, and extra, Liberty permits Mississippians to craft a plan that completely matches their house’s distinctive wants and addresses the challenges of the state’s humid subtropical local weather.
I personally advocate the Complete Dwelling Guard plan, which mixes complete equipment and system protection for simply $60 per 30 days — solely $10 greater than the bottom Equipment Guard plan. Most of Liberty’s add-ons vary from $8 to $15 month-to-month, with some spanning $4 to $36. Whereas the corporate’s service name charges, starting from $65 to $125 (relying on the service you want), could exceed the {industry} common of $75, Liberty presents engaging reductions that may assist offset these prices. Throughout my secret buying, I used to be provided two free months with annual funds and seasonal $225 coupons. One other standout characteristic is Liberty’s 60-day workmanship assure, doubling the {industry} normal and offering additional peace of thoughts on the standard of repairs.
| Plan | Month-to-month Value | Service Charge | Accessible Reductions |
| Equipment Guard | $49.99 | $65 – $125 | 2 months free (on-line), $225 off coupon (on-line) |
| Programs Guard | $54.99 | $65 – $125 | 2 months free (on-line), $225 off coupon (on-line) |
| Complete Dwelling Guard | $59.99 | $65 – $125 | 2 months free (on-line), $225 off coupon (on-line) |
Editor’s Be aware: The price knowledge talked about on this article was sourced for a single-family, two-bedroom house below 5,000 sq. ft in Jackson, MS. The price knowledge introduced was correct on the time of writing.
Accessible Add-Ons
Liberty Dwelling Guard has the next elective add-ons to its plans. As somebody with delicate allergy symptoms, I admire the distinctive carpet cleansing add-on. For this inexpensive price, you may have knowledgeable deep clear your carpets yearly.
- Carpet cleansing: $19.99/month
- Casita visitor unit: $35.99/month
- Central vacuum: $8.99/month
- Ejector pump: $14.99/month
- Electronics safety: $19.99/month
- Freestanding ice maker: $14.99/month
- Generator: $19.99/month
- Grinder pump: $14.99/month
- Gutter cleansing: $14.99/month
- Ice maker (in-fridge): $3.99/month
- Immediate sizzling water dispenser: $9.99/month
- Garden sprinkler system: $9.99/month
- Lighting: $7.99/month
- Restricted roof leak: $11.99/month
- Pest management: $14.99/month
- Plumbing fixtures: $7.99/month
- Pool and spa: $19.99/month
- Extra spa: $9.99/month
- Energy washing (exterior flooring): $19.99/month
- Professional-series garments dryer: $4.99/month
- Professional-series dishwasher: $7.99/month
- Professional-series microwave: $4.99/month
- Professional-series vary/oven/cooktop: $12.99/month
- Professional-series fridge: $14.99/month
- Professional-series stand-alone freezer: $14.99/month
- Professional-series washer: $4.99/month
- Re-key: $9.99/month
- Reverse osmosis water filter system: $14.99/month
- Saltwater pool: $23.99/month
- Second fridge: $7.99/month
- Septic system pumping: $12.99/month
- Sump pump: $8.99/month
- Swamp cooler: $14.99/month
- Trash compactor: $7.49/month
- TV mounting (as much as 65-inch TVs): $14.99/month
- TV mounting (as much as 85-inch TVs): $19.99/month
- Water dispenser water line: $4.99/month
- Water softener: $13.99/month
- Nicely pump: $12.99/month
- Window washing/cleansing: $19.99/month
- Wine cooler/fridge: $11.99/month
Exclusions
Liberty has the under normal plan exclusions:
- Beauty defects
- Cranes or different specialty automobiles required to put in, take away, or entry your home equipment or house techniques
- Disposal of home equipment, techniques, or elements
- Electronics, computerized, “good,” or Web/enabled elements and components
- Filters related to any lined objects
- Hearth sprinkler techniques
- Flues, vents, chimneys, and exhaust traces
- Glass components
- Lighting
- Malfunction or harm attributable to acts of God
- Noise
- Radon and different leak detection monitoring techniques
- Distant receiving and transmitting gadgets
- Photo voltaic techniques and functions
Editor’s Be aware: Whereas this text highlights sure exclusions, it’s crucial for readers to evaluate their contracts because the talked about exclusions will not be exhaustive, and extra exclusions could apply.
Affordability: 8.9/10
Liberty Dwelling Guard presents competitively priced base plans beginning at round $50 per 30 days, making it an accessible choice for many Mississippi owners. Nonetheless, the corporate’s add-ons are typically dearer than these of different suppliers, with most costing over $15 per 30 days in comparison with the $6 to $13 vary provided by rivals. One other potential downside is Liberty’s non-negotiable service price, which ranges from $65 to $125 when submitting a declare (relying on the kind of service you want) – increased than what many different corporations cost.
Regardless of these potential drawbacks, Liberty stands out for its protection of distinctive home equipment with add-ons that different warranties usually exclude, equivalent to reverse osmosis filters and pro-series or luxurious tools. This flexibility is especially beneficial for Mississippians with high-end or specialised house techniques. Nonetheless, it’s essential to remember that Liberty solely covers objects as much as their “ebook worth” fairly than their full alternative value, and its per-item protection caps max out at $2,000 – decrease than the boundaries set by suppliers like Elite Dwelling Guarantee ($6,000) and American Dwelling Protect ($3,000). Regardless of these limitations, Liberty Dwelling Guard nonetheless earns a strong 8.9/10 ranking from me for its total affordability and distinctive protection choices.
Buyer Expertise: 7.8/10
Liberty Dwelling Guard earns an honest 7.8/10 ranking from me for buyer expertise as a result of its easy on-line quoting system and swift enrollment course of. Throughout my secret buying, I used to be pleasantly shocked to see how straightforward it was to check protection choices and personalize my plan to suit my house’s distinctive wants. Liberty’s web site makes it fast and simple for Mississippi residents to grasp their decisions and make the most effective choices. When you’re signed up, you’ll like Liberty’s a number of contact choices, together with cellphone, e mail, and on-line chat. With a number of contact strategies, you’ll you’ll want to get immediate help when points come up.
I additionally like Liberty’s 60-day service assure on repairs, which gives additional reassurance that any work carried out will meet high quality requirements on the primary try (and if not, Liberty will restore it once more at no extra service cost). One potential downside is Liberty’s 30- to 60-day ready interval earlier than protection begins, which aligns with {industry} averages. Nonetheless, that is nonetheless shorter than some rivals who make clients wait as much as 90 days. Regardless of occasional experiences of sluggish response instances when submitting a declare or problem reaching a supervisor for escalated considerations, total, Liberty gives a streamlined expertise from quote to restore.
Firm Popularity: 9.1/10
Throughout 1000’s of critiques, Liberty Dwelling Guard persistently receives sturdy, constructive reward from clients, highlighting distinctive service, easy claims processes, high quality repairs, good communication, and fast situation decision. The corporate’s constructive 4.7-star rankings on Google and Trustpilot reveal its dedication to placing individuals first, setting it aside from rivals within the house guarantee {industry}. Liberty’s dedication to buyer satisfaction is obvious in buyer critiques and in reward it receives from workers on Glassdoor, highlighting a supportive firm tradition that often results in distinctive customer support.
It’s value noting that the Higher Enterprise Bureau (BBB) revoked Liberty’s A+ ranking as a result of a latest inflow of complaints. Nonetheless, after I contacted a consultant on the BBB, I realized that this can be a normal process whereas they evaluate all of the complaints intently. Liberty has beforehand gone by way of this course of a number of instances previously three years and had its A+ ranking restored after the BBB’s analysis. So, I’m hopeful the identical will occur to Liberty on this occasion. For Mississippi owners looking for a dependable house guarantee supplier with an excellent repute, Liberty Dwelling Guard stands out among the many competitors, incomes a stellar 9.1/10 ranking from me.
| Ranking Web site | Ranking | Variety of Opinions |
| BBB | NR (Not Rated)* / 4.5 out of 5 stars | 2,519 |
| Trustpilot | 4.7 out of 5 stars | 2,620 |
| 4.7 out of 5 stars | 10,440 | |
| Yelp | 1.4 out of 5 stars | 49 |
Editor’s Be aware: The rankings supplied had been correct on the time of writing.
*Be aware (as of 4/4/24): The BBB not too long ago shifted LHG’s A+ ranking to “NR.” We reached out to a consultant from the BBB, which advised us, “This enterprise isn’t at the moment rated. BBB has not too long ago acquired quite a few complaints in opposition to this enterprise and can situation a ranking after it has totally evaluated them.” When requested about whether or not they revoke rankings after a rise in complaints, the rep stated, “Sure, in the event that they really feel they should evaluate the complaints first earlier than issuing an correct ranking.” This situation has occurred to LHG twice within the final two years, however every time the BBB has restored its A+ ranking after a radical evaluate.
Claims Course of: 10/10
When Mississippi houses face the elevated put on and tear attributable to the state’s humid subtropical local weather, Liberty Dwelling Guard is there to avoid wasting the day. With a formidable 12-hour common response time and significant emergency restore service that many rivals lack or cost for, Liberty leads the house guarantee {industry} in claims dealing with, incomes a tremendous 10/10 ranking from me. Its quick response instances make an enormous distinction when your air conditioner breaks down throughout a sweltering summer time heatwave or your garments dryer sputters out proper earlier than laundry day.
Clients persistently reward Liberty’s easy claims course of and fast payouts after approval, highlighting the user-friendly expertise that exceeds expectations. When you’ve handed the usual 30- to 60-day protection ready interval, most non-emergency claims fly by way of approval inside 48 hours. Liberty’s dedication to offering top-notch service if you’re dealing with adversity is really outstanding, making it a game-changer for Mississippi owners in want of pressing help.
Availability: 10/10
Liberty Dwelling Guard is out there in all 50 states, incomes it a stellar 10/10 ranking for availability. Mississippi owners may have fast entry to native, in-network contractors for repairs.
Finest Protection Limits
American Dwelling Protect
4.3
Our Ranking
Restricted Time:
40% Off Our Most Fashionable Plan
I admire AHS’s sturdy historical past and over 50 years of {industry} expertise. As such, it has had ample time to construct sturdy relationships with native contractors, making certain that Mississippi owners have entry to specialised restore assist for any distinctive wants their houses could have. I admire that AHS presents protection for rust, corrosion, and even preexisting situations, offering complete safety for houses within the Magnolia State. The corporate’s excessive protection caps of as much as $5,000 for house techniques and $4,000 for home equipment give me peace of thoughts, realizing that even high-end objects are lined.
I additionally like that AHS presents adjustable service charges, demonstrating a dedication to flexibility and buyer satisfaction. Moreover, AHS is without doubt one of the few suppliers that gives roof leak safety, both as an add-on or included with its premium plan — significantly helpful in Mississippi, the place heavy rainfall and extreme storms could cause vital water harm in the event you don’t seal small roof leaks quick.
Regardless of being the longest-running house guarantee supplier within the {industry}, American Dwelling Protect (AHS) has acquired a disproportionately excessive variety of destructive critiques in comparison with its rivals. Within the final yr alone, AHS garnered over 3 times the variety of complaints on the BBB than rivals like Choose Dwelling Guarantee and AFC Dwelling Membership. Moreover, the corporate earned sub-2-star rankings on each Trustpilot and Yelp, indicating a scarcity of reputability.
Many destructive critiques spotlight sluggish contractors, transparency points, surprising value will increase, and delays in repairs for non-emergency issues. Some clients additionally specific concern in regards to the quick 30-day workmanship assure that AHS presents. Whereas it’s true that persons are extra more likely to share destructive experiences on-line than impartial or constructive ones, the persistently low rankings throughout a number of platforms elevate a crimson flag to me, particularly contemplating AHS’s 50 years of expertise within the {industry}.
Backside Line: 8.6/10
As a 50-plus-year {industry} pioneer, American Dwelling Protect (AHS) leads rivals with beneficiant protection caps of as much as $5,000 for techniques and $4,000 for home equipment, surpassing suppliers like Liberty Dwelling Guard with $2,000 limits. This in depth safety brings confidence to Mississippians who personal high-end home equipment and techniques. One other notable benefit of AHS is its protection of preexisting defects, rust, and corrosion, not like many different suppliers, which I discover fairly beneficial. Moreover, its expansive contractor community permits broad, respected help throughout Mississippi.
Whereas quoting and buying on-line with AHS was simple throughout my secret buying, I discovered some downsides. For instance, some reviewers confronted prolonged restore delays, and AHS’s 30-day workmanship assure falls in need of rivals like Elite Dwelling Guarantee, which presents a 90-day assure. Moreover, AHS’s lower-tier plans don’t cowl as many home equipment and techniques as entry-level choices from rivals. Nonetheless, AHS’s ShieldPlatinum plan presents complete safety at solely a slight uptick in value, nonetheless beating comparable plans within the objects it covers. Contemplating its sturdy protection maximums, protection of preexisting defects, and the worth of its ShieldPlatinum plan, I give American Dwelling Protect truthful marks of 8.6/10 total.
Plans and Protection: 9/10
American Dwelling Protect has three plan choices for Mississippi houses: ShieldSilver for main techniques, ShieldGold, which provides some home equipment, and the excellent ShieldPlatinum, which covers each. One of many standout options of all AHS plans is that they cowl previous, improperly put in objects and preexisting situations, which many rivals don’t cowl. This in depth safety brings peace of thoughts to homeowners of complicated or getting old techniques and home equipment. Surprisingly, the ShieldPlatinum plan uniquely contains restricted roof leak protection — an unusual inclusion within the {industry} — in addition to free annual HVAC tune-ups, allowances for code violations, permits, and tools modifications that different suppliers sometimes don’t cowl.
Whereas AHS’s service charges, starting from $100 to $125, exceed the $75 {industry} common, it presents flexibility by permitting clients to decide on between decrease month-to-month premiums or increased service charges based mostly on their price range and wishes. Throughout my secret buying, a consultant provided a 20% low cost for signing up the identical day, so it’s value retaining a watch out (and asking) for reductions and promotional charges. For its plans and protection, significantly the excellent ShieldPlatinum plan, I give AHS a powerful 9/10 ranking.
| Plan | Month-to-month Value | Service Charge* | Accessible Reductions |
| ShieldSilver | $39.99 – $49.99 | $100 – $125 | 20% off same-day sign-up low cost (on-line and cellphone) |
| ShieldGold | $59.99 – $69.99 | $100 – $125 | 20% off same-day sign-up low cost (on-line and cellphone) |
| ShieldPlatinum | $89.99 – $99.99 | $100 – $125 | 20% off same-day sign-up low cost (on-line and cellphone) |
*If you happen to select the decrease service price of $100, you pay the upper month-to-month premium. For instance, the $49.99 price for the ShieldSilver plan pairs with the $100 service price.
Editor’s Be aware: The price knowledge talked about on this article was sourced for a single-family, two-bedroom house below 5,000 sq. ft in Jackson, MS. The price knowledge introduced was correct on the time of writing.
Accessible Add-Ons
Though I discover American Dwelling Protect’s six add-on choices missing, I do admire the septic pump and nicely pump protection as I dwell in a rural space with no entry to metropolis water and sewage.
- Electronics safety plan: $14/month
- Visitor unit: $15.99/month
- Pool & built-in-spa tools: $18/month
- Roof-leak restore: $10/month
- Septic pump: $5/month
- Nicely pump: $8/month
Exclusions
AHS has the next exclusions:
- Harm as a result of pets or pests
- Failure to correctly clear or preserve house techniques or home equipment
- Basis or structural harm
- Improper set up, improper wiring, or harm attributable to development exercise
- Producer’s defect
- Misuse or human error
- Malfunction or harm as a result of pure disasters
- Neglect, rust, corrosion, or sediment
- Elimination of hazardous supplies equivalent to asbestos, lead, or different poisonous supplies
Editor’s Be aware: Whereas this text highlights sure exclusions, it’s crucial for readers to evaluate their contracts because the talked about exclusions will not be exhaustive, and extra exclusions could apply.
Affordability: 8.7/10
Whereas American Dwelling Protect expenses month-to-month premiums and repair charges which can be a bit increased than these of some rivals, with these increased prices come higher protections that different, cheaper plans don’t provide. As an example, Mississippi owners can rise up to $5,000 for HVAC techniques and $3,000 in protection for swimming pools — two to 3 instances greater than what most house guarantee corporations, like Liberty Dwelling Guard, present. Equipment and residential system repairs or replacements can rapidly climb into the a number of 1000’s with out ample protection, particularly given Mississippi’s humid subtropical local weather, which may result in extra put on and tear on important techniques and home equipment.
American Dwelling Protect earns an 8.7/10 ranking from me for affordability, primarily due to its excessive protection caps get monetary savings long run regardless of barely increased up-front month-to-month prices and repair charges. For Mississippians with high-end techniques, the peace of thoughts and further safety supplied by AHS’s increased protection limits could make the marginally pricier charges worthwhile. So, whereas American Dwelling Protect will not be essentially the most budget-friendly choice, the improved protection justifies the upper month-to-month charges and repair charges when breakdowns happen, particularly for these with costly home equipment or distinctive techniques that will be pricey to restore or exchange with out ample protection.
Buyer Expertise: 8.4/10
Regardless of being an {industry} chief, I discovered quite a few complaints about American Dwelling Protect’s unreturned calls and messages, which is regarding when Mississippi owners want help, particularly throughout an AC breakdown on a sweltering summer time day. Nonetheless, AHS does provide some benefits, equivalent to assigning every buyer an account supervisor and offering a number of contact strategies. This accessibility may also help you get higher communication from particular person reps and demonstrates a dedication to responsiveness.
On the constructive facet, throughout my secret buying, I discovered American Dwelling Protect’s web site to be user-friendly when acquiring quotes and evaluating pricing for various plans. Its normal 30-day ready interval earlier than a brand new coverage takes impact can be a plus, because it’s considerably shorter than the 60-day or longer wait instances imposed by some rivals. Contemplating these components, I give American Dwelling Protect an honest 8.4/10 ranking for its buyer expertise, contemplating the communication considerations.
Firm Popularity: 7.7/10
On a constructive notice, American Dwelling Protect makes submitting claims simple with 24/7 help on-line and by cellphone, which is essential for Mississippi owners dealing with pressing points like air conditioner breakdowns through the state’s sweltering summers or water heater failures when you must take a sizzling bathe. When you submit a declare, you may conveniently observe its standing and restore historical past by way of your on-line account dashboard, supplying you with ongoing visibility into the method. This ease of submitting claims and monitoring progress is a particular enhance to its repute.
Nonetheless, I give American Dwelling Protect a good 7.7/10 ranking for its combined buyer suggestions, as the corporate’s low scores on Trustpilot and Yelp concern me. Many reviewers specific frustration about delayed service, unexplained declare denials, and unresponsive customer support, that are significantly worrisome points for Mississippians needing immediate help with important system breakdowns. That stated, it’s necessary to notice that some destructive suggestions seems to stem from misunderstandings over the contract, highlighting the significance of totally studying the coverage earlier than signing up. Plus, it holds a powerful 4.5/5 ranking on Google critiques, with a number of thousand extra critiques in whole than Trustpilot and Yelp mixed.
| Ranking Web site | Ranking | Variety of Opinions |
| BBB | B / 2.11 out of 5 stars | 11,139 |
| Trustpilot | 2.2 out of 5 stars | 5,263 |
| 4.5 out of 5 stars | 32,947 | |
| Yelp | 1.1 out of 5 stars | 1,271 |
Editor’s Be aware: The rankings supplied had been correct on the time of writing.
Claims Course of: 8.4/10
American Dwelling Protect’s 24/7 customer support and user-friendly on-line claims course of convey peace of thoughts to Mississippi owners, particularly for emergency points. When you file a declare on-line or through cellphone, you may simply observe its standing and look at your property’s restore historical past by way of your on-line account, offering transparency and lowering stress (and questions) all through the method. Whereas some critiques spotlight situations of unreturned calls and messages, which is regarding for a distinguished supplier, AHS takes steps to mitigate these points by assigning devoted account managers and providing a number of contact channels, incomes the corporate a powerful 8.4/10 ranking from me for its claims course of.
Availability: 10/10
Since American Dwelling Protect presents its plans to owners in each state besides Alaska, it will get a ten/10 ranking from me. Due to its long-standing community of high quality contractors nationwide, you may rely on them for swift repairs in your Mississippi house.
Finest Worth
Choose Dwelling Guarantee
4.2
Our Ranking
Restricted Time:
$150 Off (Code HOUSE25)
I like Choose Dwelling Guarantee’s competitively low service price of simply $75, which is the quantity you pay for every restore go to. This, coupled with its inexpensive month-to-month premiums starting from $44 to $48 (with its common reductions), makes Choose a gorgeous choice for budget-conscious Mississippi owners. What actually units SHW aside from its rivals is the inclusion of restricted roof leak protection in all its plans. Many house guarantee corporations utterly exclude this safety or provide it solely as an add-on, however Choose bundles it into each plan tier by default.
Moreover, SHW’s plans include a 90-day restore assure, which is 30 to 60 days longer than that of many different suppliers within the {industry}. The prolonged assure ensures that if a lined merchandise breaks down inside 90 days of a earlier restore, the corporate will ship a technician to repair the difficulty at no extra service name price to the house owner. This beneficial inclusion, together with the corporate’s low month-to-month prices and affordable service charges, are some things I like most about Choose Dwelling Guarantee.
Though Choose Dwelling Guarantee presents budget-friendly plans, it falls quick for me with its few customization choices. With solely 9 add-ons accessible, Choose lags behind {industry} leaders like Liberty Dwelling Guard and Elite Dwelling Guarantee, which give 40-plus and 26 decisions, respectively. This lack of customization might be an issue for Mississippi owners with distinctive house techniques or home equipment that require particular protection. I additionally dislike that Choose prohibits owners from selecting their most popular contractors for repairs, as this restriction takes away the management over who works on your property’s techniques and home equipment.
One other facet I don’t admire is Choose’s coverage of excluding preexisting defects. If you happen to’re unaware of hidden points earlier than enrolling, you threat having claims denied later. To keep away from this, Mississippi residents have to totally examine their houses and guarantee every part is working correctly earlier than signing up. Moreover, the corporate’s strict $75 contract cancellation price appears to prioritize its personal pursuits over the pliability of house owners within the state.
Backside Line: 8.4/10
Choose Dwelling Guarantee presents budget-friendly month-to-month premiums starting from $44 to $48 (with its common $16/month low cost), that are decrease than these of a lot of its rivals, together with American Dwelling Protect and Liberty Dwelling Guard. This affordability can result in notable long-term financial savings for cost-conscious Mississippi households. I admire that Choose presents protection caps as much as $3,000 for important objects like air-con and HVAC techniques, which is essential given Mississippi’s humid subtropical local weather that places extra put on and tear on these models. Nonetheless, it’s value noting that some suppliers, equivalent to Elite Dwelling Guarantee and American Dwelling Protect, provide even increased limits of $10,000 and $6,000, respectively.
As a home-owner, I give Choose Dwelling Guarantee a formidable 8.4/10 total ranking as a result of its simple Bronze Care, Gold Care, and Platinum Care plans that clearly cowl home equipment, techniques, or a mixture of each, making it straightforward to decide on the best choice on your wants. Choose Dwelling Guarantee gives peace of thoughts with out breaking the financial institution for residents with normal, extra inexpensive home equipment and residential techniques. Nonetheless, these proudly owning extra pricey or specialised tools could wish to discover suppliers with increased protection limits and a wider vary of elective add-ons to higher swimsuit houses which have much less widespread techniques and home equipment.
Plans and Protection: 8.3/10
In comparison with rivals with complicated packages and terminology, Choose Dwelling Guarantee’s clear method to house guarantee protection is a breath of recent air. It presents simple equipment, techniques, and mixed plans that allow Mississippi owners to check and select the safety they require. Nonetheless, given the minimal $4 extra value for enhanced protection, I counsel the Platinum Care plan for nearly all Mississippians, because it covers each home equipment and techniques.
Throughout my secret buying, I used to be provided some respectable reductions, together with two free months and $150 off the annual value, showcasing Choose’s dedication to affordability. I additionally acquired extra time-sensitive reductions by way of textual content messages from Choose a number of weeks after I received my preliminary quote. Nonetheless, Choose’s $3,000 protection limits will not be sufficient for houses with high-end home equipment or techniques (American Dwelling Protect and Elite Dwelling Guarantee present two to 3 instances that restrict), and the corporate presents fewer specialty add-ons in comparison with a few of its rivals. Regardless of these limitations, I give Choose Dwelling Guarantee a decent 8.3/10 ranking for offering inexpensive, no-nonsense safety that caters to the important wants of most Mississippi owners.
| Plan | Month-to-month Value* | Service Charge | Accessible Reductions |
| Bronze Care | $44.42 | $75 | $150 off (web site), two additional months free (web site) |
| Gold Care | $44.42 | $75 | $150 off (web site), two additional months free (web site) |
| Platinum Care | $47.75 | $75 | $150 off (web site), two additional months free (web site) |
*Month-to-month value figures supplied embrace the discounted price provided at time of writing, $16 off month-to-month pricing. Choose Dwelling Guarantee has been working this promotion because the starting of this yr.
Editor’s Be aware: The price knowledge talked about on this article was sourced for a single-family, two-bedroom house below 5,000 sq. ft in Jackson, MS. The price knowledge introduced was correct on the time of writing.
Accessible Add-Ons
Choose Dwelling Guarantee presents the next elective add-ons to its plans. For Mississippians with swimming pools and spas, I admire the inexpensive add-on protection to guard these costly techniques.
- Central Vacuum: $3.33/month
- Garden Sprinkler System: $5.83/month
- Pool: $8.33/month
- Roof Leak: free
- Septic System: $5.83/month
- Spa: $5.83/month
- Stand-alone Freezer: $3.33/month
- Sump Pump: $3.33/month
- Nicely Pump: $3.33/month
Exclusions
Choose has the next normal plan exclusions:
- Widespread areas in condominiums or multifamily houses
- Harm from pure disasters and rust
- Defects or damages attributable to the inspiration and construction of the house
- Incorrect set up or malfunctions as a result of development harm or improper wiring
- Points with techniques or home equipment associated to hazardous or poisonous supplies (for instance mildew, asbestos, and fuel leaks)
- Secondary harm (i.e., your property guarantee could cowl roof harm however received’t cowl water harm attributable to a roof leak)
- Photo voltaic heating techniques
Editor’s Be aware: Whereas this text highlights sure exclusions, it’s crucial for readers to evaluate their contracts because the talked about exclusions will not be exhaustive, and extra exclusions could apply.
Affordability: 9.1/10
Choose Dwelling Guarantee stands out for its low service charges of $75 — considerably lower than the $100 or extra charged by many different suppliers, together with American Dwelling Protect. These decrease charges imply repairs received’t strap you for money, permitting Mississippians to save cash on each month-to-month premiums and restore prices. Moreover, Choose’s affordability extends throughout its Bronze, Gold, and Platinum plans, which cowl important home equipment, techniques, or each with out the yearly value will increase that rivals usually implement.
With month-to-month premiums of round $40 after Choose’s normal $16 low cost, Choose presents plans which can be $10 to $20 cheaper than the {industry} common. Whereas Choose’s $2,000-per-appliance protection restrict could not swimsuit each house owner, it’s a lot for many houses with normal models. Total, I give Choose Dwelling Guarantee a formidable 9.1/10 ranking for its affordability, aggressive pricing, decrease service charges, and ample protection limits, making it a best choice for budget-conscious residents within the Magnolia State.
Buyer Expertise: 8.1/10
Choose Dwelling Guarantee’s web site clearly outlines accessible plans, pricing particulars, protection specifics, and add-ons in plain language, making it straightforward for Mississippians to analysis which protections greatest swimsuit their restore dangers and budgets. Not like different suppliers I’ve researched, Choose doesn’t bombard potential clients with extreme follow-ups or aggressive gross sales techniques. This dedication to clear quotes and easy contracts is a refreshing change, permitting owners to fastidiously take into account their protection wants with out the frustration of coping with complicated pitches or lengthy cellphone calls with pushy salespeople. Choose’s dedication to offering a stress-free house guarantee expertise earns Choose Dwelling Guarantee a commendable 8.1/10 ranking from me for buyer expertise.
Firm Popularity: 8.0/10
Choose Dwelling Guarantee’s repute amongst earlier and present clients is mediocre. Its on-line suggestions on platforms like Trustpilot and Google has each reward for useful customer support, straightforward sign-up, and swift repairs, in addition to criticism citing low reimbursements, denied protection, sluggish contractors, and unskilled technicians. The corporate’s Higher Enterprise Bureau grade sits at an honest B, contributing to its total combined repute. That stated, dissatisfied clients usually shout louder than glad ones.
For Mississippians contemplating protection, it’s important to weigh Choose’s affordability and core plan strengths in opposition to potential drawbacks. Nonetheless, its conflicting suggestions is one thing you need to take into account together with potential points like low reimbursements alongside Choose’s inexpensive pricing. Because of its combined repute, I give Choose Dwelling Guarantee a good 8/10 ranking.
| Ranking Web site | Ranking | Variety of Opinions |
| BBB | B / 1.39 out of 5 stars | 2,110 |
| Trustpilot | 3.8 out of 5 stars | 4,818 |
| Yelp | 1.0 out of 5 stars | 9 |
| 3.8 out of 5 stars | 19,830 |
Editor’s Be aware: The rankings supplied had been correct on the time of writing.
Claims Course of: 7.6/10
Whereas Choose Dwelling Guarantee’s claims course of aligns with {industry} requirements, the slower dispatch instances for non-emergencies is a downside. For many non-urgent conditions, the corporate dispatches restore technicians inside 48 hours, which may be irritating when your garments washer fails proper earlier than laundry day. Ready two full days for repairs could imply you’ll haven’t any clear garments for work or faculty. This earns the corporate a good 7.6/10 ranking from me for its claims course of.
On a constructive notice, I admire Choose Dwelling Guarantee’s simple claims course of. Mississippi owners can conveniently begin a declare on-line or name it in. Moreover, Choose presents 24/7 emergency companies for important points like failed air conditioners and leaking water heaters, which may affect your well being or result in extra house harm.
Availability: 10/10
Choose Dwelling Guarantee presents its plans in all 50 states, incomes it an ideal 10/10 rating. With its extensive community of contractors, you may rely on quick, high quality repairs when your Mississippi house wants them.
Finest Buyer Rankings
Elite Dwelling Guarantee
4.3
Our Ranking
Restricted Time:
$150 Off + 1 Month Free
I admire Elite Dwelling Guarantee’s dedication to buyer satisfaction, as evidenced by its persistently excessive rankings of 4.5 to five stars on trusted evaluate websites like Google, Yelp, the BBB, and Trustpilot, which exceeds the 2- and 3-star rankings which can be typical of house guarantee suppliers. This reward is a testomony to Elite’s skill to ship top-notch service and promptly settle claims for its owners. Furthermore, I’m impressed by Elite’s in depth array of 26 customization choices, permitting Mississippi owners to create tailor-made plans that stability affordability and monetary safety, in addition to its beneficiant protection limits of $10,000 per system and $6,000 per equipment, offering sturdy safety for even high-end tools.
I don’t like that Elite Dwelling Guarantee voids its workmanship ensures in the event you select to make use of your personal trusted technician. As somebody who prefers utilizing contractors I belief and know who will do an excellent job, I consider this restriction limits flexibility and may be irritating for Mississippi owners. Moreover, I’m disenchanted that Elite doesn’t cowl emergency repairs with out charging an extra $150 price, which appears unacceptable from an organization that prides itself on customer support, particularly when important techniques like air conditioners fail throughout Mississippi’s humid summers. This might result in some budget-strapped owners struggling for a number of days to keep away from paying charges (and doubtlessly resulting in adversarial well being results like warmth stroke).
Moreover, Elite’s blanket exclusion of commercial-grade tools might be a dealbreaker for many who’ve invested in a majority of these home equipment. Overlaying specialty-grade objects requires paying extra charges for add-ons, making Elite’s plans a lot much less cost-effective than these of rivals when together with these elective add-ons.
Backside Line: 8.6/10
Elite Dwelling Guarantee stands above all different house guarantee suppliers with its industry-leading protection limits. Its protection caps are $10,000 for house techniques and $6,000 for home equipment. In comparison with the $2,000 to $3,000 caps most rivals sometimes provide, Mississippi owners received’t have to fret about exceeding these limits and paying any additional money out-of-pocket for alternative techniques or home equipment, even when they personal high-end tools. I strongly advocate Elite’s Full plan to all owners because it contains equipment and system protection for the most effective bang on your buck. Moreover, Elite excels with a formidable 26 add-on choices, permitting you to tailor your protection to suit your particular house wants.
One space the place Elite is missing in comparison with rivals isn’t providing emergency repairs outdoors of regular enterprise hours with out additional charges. In case you have an emergency, like a damaged water heater or an AC unit that received’t activate within the 103ºF summer time warmth, at evening, or through the weekend, you should pay a $150 emergency price. With these drawbacks thought-about, I give Elite Dwelling Guarantee a good 8.6/10 ranking for its complete protection and suppleness. All in all, if you must shield your high-end house techniques and home equipment and don’t need any fear about exceeding the protection limits, Elite Dwelling Guarantee is my high advice for Mississippi owners.
Plans and Protection: 10/10
Like different house guarantee suppliers, Elite Dwelling Guarantee presents three plans, an appliance-only, system-only, and a mixed protection plan. For Mississippians looking for essentially the most complete safety, I like to recommend the Elite Full plan. It bundles each equipment and system protection for under a barely increased value. Throughout my secret buying, a customer support consultant provided me a 30-day free trial and a $150 low cost for enrolling by cellphone. These reductions make it much more interesting from a price standpoint.
Elite’s industry-leading protection caps are what actually units it aside from different house guarantee corporations, simply incomes an ideal ranking for its plans and protection. Its equipment protection restrict is $6,000 per declare, and its techniques protection restrict is $10,000. These caps are two to 3 instances larger than these of most different suppliers, together with {industry} leaders like Liberty Dwelling Guard and American Dwelling Protect. These excessive limits will doubtless forestall any out-of-pocket bills for restore/alternative protection for any Mississippi house owner.
| Plan | Month-to-month Value | Service Charge | Accessible Reductions |
| Elite Equipment | $48.99 | $100 | $150 sign-up (cellphone), 30-day trial (cellphone) |
| Elite Programs | $52.99 | $100 | $150 sign-up (cellphone), 30-day trial (cellphone) |
| Elite Full | $59.99 | $100 | $150 sign-up (cellphone), 30-day trial (cellphone) |
Editor’s Be aware: The price knowledge talked about on this article was sourced for a single-family, two-bedroom house below 5,000 sq. ft in Jackson, MS. The price knowledge introduced was correct on the time of writing.
Accessible Add-Ons
Elite presents an unimaginable 26 elective add-ons for Mississippi owners. I like its elective protection for annual HVAC upkeep. Accessible add-ons embrace:
- Attic exhaust fan: $69.99/yr
- Central vacuum: $49.00/yr
- Effluent pump: $99.99/yr
- Ejector pump: $99.99/yr
- Freestanding freezer: $59.99/yr
- Freestanding ice maker: $59.99/yr
- Freestanding spa tools: $119.99/yr
- Generator: $99.99/yr
- Geothermal heating and cooling System: $299.99/yr
- Grinder pump: $99.99/yr
- Visitor home: $299.99/yr
- HVAC annual upkeep: $299.99/yr
- Jetted/sizzling Tub: $99.99/yr
- Garden Sprinkler System: $99.99/yr
- Carry pump: $99.99/yr
- Restricted roof-leak restore: $99.99/yr
- Pool & spa tools: $199.99/yr
- Pool tools: $149.99/yr
- Premium home equipment: $249.99/yr
- Premium advantages: $199.99/yr
- Premium techniques: $299.99/yr
- Premium techniques plus: $499.99/yr
- Septic system: $129.99/yr
- Service traces: $349.99/yr
- Sump pump: $99.99/yr
- Swamp cooler: $149.99/yr
- Water filtration system: $99.99/yr
- Water softener: $99.99/yr
- Nicely pump: $99.99/yr
- Wine cooler: $69.99/yr
Exclusions
Elite Dwelling Guarantee has the next industry-standard exclusions to its plans:
- A scarcity of upkeep
- Acts of God
- Industrial-grade home equipment
- Beauty harm
- Pure disaster-related damages
- Models in a rental property
Editor’s Be aware: Whereas this text highlights sure exclusions, it’s crucial for readers to evaluate their contracts because the talked about exclusions will not be exhaustive, and extra exclusions could apply.
Affordability: 8.7/10
Whereas base Elite Dwelling Guarantee pricing for its three plans seems to be aggressive up entrance, with month-to-month charges typically between $45 and $60, there are some hidden charges that you need to learn about. Service for premium-grade home equipment carries an extra $150 per go to price and weekend and after-hours emergency repairs have a $150 price. Most add-ons value barely greater than common, starting from $15 to $20 per 30 days. Its $100 service name price is according to different suppliers like American Dwelling Protect and Choose Dwelling Guarantee.
Throughout my secret buying, I spoke with two customer support reps about pricing. Each reps had been imprecise and never nicely educated about Elite’s add-on charges, which I additionally had problem discovering on its web site. This lack of know-how and communication about add-on charges can forestall Mississippi owners from precisely evaluating plans and budgeting for a brand new plan. One plus is Elite’s 30-day trial interval, letting owners check drive Elite’s service earlier than 100% committing to them. Contemplating these professionals and cons, I give Elite Dwelling Guarantee’s affordability a powerful 8.7/10 ranking.
Buyer Expertise: 7.6/10
Regardless of tons of of buyer critiques from respected websites, together with the BBB, Trustpilot, and Google, Elite Dwelling Guarantee’s web site is missing in comparison with different suppliers within the {industry}. It doesn’t have on-line pricing or quoting in any respect — Mississippi owners should name in for any value estimates. On high of that, its add-on charges are additionally exhausting to search out, buried deep within the web site, and solely listed as a yearly value. This hidden pricing makes correct month-to-month budgeting a problem and creates pointless friction within the comparison-shopping course of. Having so many constructive critiques (out of practically 1,000) reveals that almost all owners admire the corporate’s responsive help and protection as soon as they get a plan with EHW.
Talking with a buyer consultant on the cellphone, it appeared like they both lacked coaching across the additional charges and expenses related to plan add-ons or had been deliberately imprecise in regards to the prices. Both approach, that is regarding and irritating to me and earns Elite a good 7.6/10 ranking.
Firm Popularity: 8.3/10
Elite Dwelling Guarantee is the most recent participant within the house guarantee {industry}, however has already earned a stellar A+ ranking and accreditation with the BBB. The sturdy ranking and accreditation is a testomony to Elite’s high quality service, sturdy communication, and truthful claims course of. Though Elite has greater than 1,000 mixed critiques on the BBB, Google, Trustpilot, and Yelp (in comparison with different suppliers with a number of to tens of 1000’s of rankings), the accessible suggestions is overwhelmingly constructive.
Reviewers like EHW’s swift claims dealing with, inexpensive pricing, high quality repairs, pleasant customer support, and distinctive follow-ups. The only a few destructive critiques point out lengthier ready durations than what’s marketed and communication delays. Nonetheless, these seem like remoted circumstances. Contemplating Elite’s A+ BBB ranking and its 4.7+/5 star ranking on 4 trusted evaluate platforms, I give it 8.3/10 for its repute. The one factor holding me again from the next ranking is its small evaluate pattern measurement.
| Ranking Web site | Ranking | Variety of Opinions |
| BBB | A+ / 4.97 out of 5 stars | 739 |
| Trustpilot | 4.7 out of 5 stars | 59 |
| 4.8 out of 5 stars | 146 | |
| Yelp | 4.8 out of 5 stars | 4 |
Editor’s Be aware: The rankings supplied had been correct on the time of writing.
Claims Course of: 6.8/10
I like that Elite Dwelling Guarantee permits 24/7 claims submitting on-line or by cellphone, which is now the {industry}’s normal follow. In case you have a non-emergency declare, Elite’s 24- to 48-hour response time mirrors high rivals. Whereas acceptable, this timeframe is not any higher than the {industry} common. Elite encourages clients to submit claims as quickly as a difficulty arises, and they’ll then authorize you to search out your personal technician or schedule somebody from their contractor community. Simply remember that utilizing an out-of-network contractor voids Elite’s workmanship assure.
One downside I discovered after studying by way of a pattern contract is Elite Dwelling Guarantee’s coverage of charging an additional $150 price for after-hours emergency protection. This follow can depart Mississippians with tight budgets sweating out a 100ºF weekend with a damaged air-con unit to keep away from paying additional charges. I discover it disheartening that Elite Dwelling Guarantee lacks dependability throughout these important conditions and as an alternative earnings from households in want of help. Given this method to emergencies and its industry-average response time for non-emergencies, I give the corporate 6.8 out of 10 for its claims course of.
Availability: 10/10
Elite Dwelling Guarantee presents its plans to owners in 46 U.S. states, with no protection in California, Texas, Washington, and Wisconsin. With its reliable community of contractors in Mississippi, owners can rely on quick, high quality repairs when system and equipment break-downs happen.
Finest for Extra Advantages
AFC Dwelling Guarantee
4.3
Our Ranking
Restricted Time:
$200 off + free roof leak protection
I admire the particular perks that AFC Dwelling Guarantee presents, ones that reach past the usual protection for home equipment and techniques. AFC stands forward of different suppliers by bundling unusual elective coverages like discounted house safety, medical care, credit score monitoring, and insurance coverage financial savings with strong core safety plans. I’m impressed by the corporate’s predominantly constructive buyer critiques, that are uncommon within the house guarantee {industry}. AFC’s add-ons let Mississippians tailor complete safety to satisfy their wants. This delivers unmatched worth.
I’m involved about AFC Dwelling Guarantee’s variable protection limits, with some home equipment and techniques having caps as much as $3,000 whereas others solely provide between $150 and $1,000 in safety. Owners should evaluate every merchandise’s protection particulars meticulously to keep away from surprising gaps that might depart them uncovered to excessive restore or alternative prices. One other downside is AFC’s lack of 24/7 emergency restore companies with out extra charges. That may be problematic throughout Mississippi’s sizzling, thick summers when immediate help for important AC system failures is important to take care of well being and luxury.
Backside Line: 8.5/10
Based mostly on my expertise and analysis, I give AFC Dwelling Guarantee a convincing 8.5/10 ranking for its user-friendly web site, customizable plans with versatile service charges, and distinctive membership perks. These set it aside from different Mississippi house guarantee corporations. AFC’s BBB grade of A+ and persistently constructive buyer critiques for seamless claims and educated technicians additional solidify its place as one among my high decisions for house safety in Mississippi. Nonetheless, AFC has decrease protection caps in comparison with most different nationwide suppliers, with a max cap of $3,000 per merchandise. That might concern owners with high-end home equipment and residential techniques.
For owners contemplating AFC Dwelling Guarantee, I like to recommend the Diamond Plan. It bundles house techniques, home equipment, restricted roof leaks, electronics, and extra below one complete and inexpensive bundle. Whereas the plan has limitations in emergency companies and protection caps, it fits the wants of most Mississippi owners looking for broad safety. AFC strives to ship well timed, high-quality service for surprising breakdowns by guaranteeing repairs inside 48 hours and providing a lifetime workmanship assure — unmatched within the {industry}. AFC Dwelling Guarantee presents a compelling mixture of versatile plans, perks, and dependable service that make it a powerful supplier for Mississippi owners, regardless of a number of drawbacks like variable protection caps.
Plans and Protection: 8.1/10
AFC Dwelling Guarantee’s distinctive Diamond Plan stands out to me as your best option for Mississippi owners. This complete plan covers house techniques, home equipment, electronics, exterior traces, and distinctive extras like roof leaks. It additionally presents safety for private digital gadgets, equivalent to smartphones, tablets, and residential workplace tools. It is a uncommon perk and one which individuals who do business from home will admire.
Throughout my secret buying, I found enticing reductions, together with $250 off three-year plans and free roof leak safety. Mixed with the Diamond Plan’s one-of-a-kind protection with uncommon perks and AFC’s aggressive pricing, savvy Mississippians can maximize their financial savings whereas securing strong, personalized safety.
Apart from its top-tier Diamond Plan, AFC presents three different plans. Its entry-level Silver Plan covers 9 main house home equipment, whereas the Gold Plan protects 15 home equipment plus techniques like electrical, plumbing, and HVAC. The Platinum Plan expands protection to 18 home equipment/techniques, together with microwaves and in-fridge ice makers. For its protection and plan selection, digital machine safety, and different distinctive perks, I price AFC Dwelling Guarantee a decent 8.1 out of 10.
| Plan | Month-to-month Value | Service Charge* | Accessible Reductions |
| Silver Plan | $43.58, $46, $48.42 | $75, $100, or $125 | As much as $250 off, free roof leak safety |
| Gold Plan | $58.08, $60.50, $62.92 | $75, $100, or $125 | As much as $250 off, free roof leak safety |
| Platinum Plan | $62.92, $65.33, $67.75 | $75, $100, or $125 | As much as $250 off, free roof leak safety |
| Diamond Plan | $97.50, $99.92, or $102.33 | $75, $100, or $125 | As much as $250 off, free roof leak safety |
*If you happen to select the decrease service price of $75, you pay the upper month-to-month premium. For instance, the $48.42 price for the Silver plan pairs with the $75 service price.
Editor’s Be aware: The price knowledge talked about on this article was sourced for a single-family, two-bedroom house below 5,000 sq. ft in Jackson, MS. The price knowledge introduced was correct on the time of writing.
Accessible Add-Ons
AFC Dwelling Guarantee presents the under elective add-ons to its plans. Personally, I admire the built-in microwave, double oven, nicely pump, and septic system protection as my house has these much less widespread objects.
- Constructed-in microwave: $50/yr
- Central vacuum: $25/yr
- Double oven: $25/yr
- Electronics protection: $24.99/month
- Scorching water dispenser: $25/yr
- Ice maker: $25/yr
- In-ground pool: $100/yr
- In-ground pool and spa: $150/yr
- Roof leak (free, value $25/yr)
- Septic system: $50/yr
- Stand-alone freezer: $25/yr
- Sump pump: $35/yr
- Nicely pump: $50/yr
Exclusions
Like all house guarantee corporations, AFC has exclusions to its plans. Listed below are this supplier’s exclusions:
- Crane leases wanted to maneuver home equipment or techniques
- Geothermal heating techniques
- Haul-away companies
- Lighting fixtures
- Malfunction or harm attributable to acts of God
- Code violations
- Home equipment and techniques not correctly maintained
Editor’s Be aware: Whereas this text highlights sure exclusions, it’s crucial for readers to evaluate their contracts because the talked about exclusions will not be exhaustive, and extra exclusions could apply.
Affordability: 9.1/10
AFC Dwelling Guarantee impresses me with its affordability and suppleness — its plans cater to a variety of houses and budgets. AFC’s plans begin at below $40 per 30 days for important equipment or system protection. The great Diamond Plan stays competitively priced at about $100 per 30 days, regardless of together with distinctive options like electronics and exterior sewer line protection that different suppliers often don’t shield. I like that AFC lets owners customise plans by selecting per-service-call charges of $75, $100, or $125. It permits owners to stability increased deductibles in opposition to decrease month-to-month premiums.
Nonetheless, earlier than you conform to a coverage from AFC Dwelling Guarantee, I strongly advise reviewing a pattern contract. Whereas it advertises $3,000 protection limits for house techniques and home equipment, sure objects, equivalent to microwaves and ovens, have a lot decrease caps (from $150 to $500). These limits are OK for some objects and never for others. Additionally, elective add-ons can accumulate rapidly and hike your month-to-month value. Most add-ons exceed $15 a month in value.
Regardless of these shortcomings, AFC’s affordability, flexibility, and selectable service name charges make it a powerful contender for Mississippi residents looking for customizable house guarantee safety that matches their budgets and residential restore considerations.
Buyer Expertise: 9.2/10
After exploring AFC Dwelling Guarantee’s web site, getting quotes, and speaking with customer support reps, I’m totally impressed and provides the corporate an incredible 9.2/10 rating for my buyer expertise ranking. AFC’s hands-off gross sales method and 24/7 availability show extremely handy for emergency points which will come up in a single day or on weekends. Moreover, buyer critiques reward AFC’s nice communication {and professional} technicians throughout repairs — two necessary components that contribute to a constructive house guarantee in my ebook.
AFC’s user-friendly web site organizes all its plans, protection tiers, and elective add-ons in a single display with pricing and repair name charges (which you’ll toggle for increased or decrease month-to-month premiums). This interface makes it straightforward for Mississippi residents to customise plans to higher align them with their budgets and residential restore considerations. Not like most suppliers with only a imprecise pattern contract, AFC gives pattern agreements that present protection specifics for every plan. This simplifies the buying course of and helps you make the most effective choice on your new house guarantee.
Firm Popularity: 8.3/10
AFC earns a strong 8.3/10 repute ranking from me for its 3 to three.7 rankings on Google and Trustpilot. For essentially the most half, AFC Dwelling Guarantee stands aside amongst house guarantee suppliers in Mississippi, outshining main rivals mired in disappointing 2-star rankings. Regardless of working for practically 15 years and sustaining a BBB accreditation since 2015, AFC garners fewer critiques than its high rivals. Nonetheless, many shoppers laud AFC’s glorious service, immediate contractor dispatch, straightforward claims course of, and truthful reimbursements for mandatory repairs, reflecting the corporate’s dedication to Mississippi owners.
Whereas some destructive critiques spotlight protection gaps, cancellation charges, late/no-show contractors, or contract misunderstandings, AFC showcases its responsiveness by swiftly resolving over 140 BBB complaints over the previous couple of years, making certain buyer satisfaction. Though extra on-line suggestions would profit AFC, its present rankings and accountability reveal its dedication to offering high quality service to owners within the Magnolia State, with many praising its easy operations and truthful reimbursements.
| Ranking Web site | Ranking | Variety of Opinions |
| BBB | B / 2.59 out of 5 stars | 170 |
| Trustpilot | 3.0 out of 5 stars | 24 |
| 3.7 out of 5 stars | 1,589 | |
| Yelp | 1.9 out of 5 stars | 337 |
Editor’s Be aware: The rankings supplied had been correct on the time of writing.
Claims Course of: 6.8/10
AFC Dwelling Guarantee receives a subpar 6.8/10 ranking for its Mississippi claims course of. Whereas it presents a life-of-contract workmanship assure, which shields owners from paying extra for repeat repairs on the identical system or equipment part, the corporate lacks 24/7 emergency restore choices. It is a massive downside. Nobody needs an equipment or system drawback to show into an emergency.
AFC is often responsive and has a typical response time of 24 to 48 hours. Nonetheless, the shortage of emergency help throughout nights, weekends, and holidays brings down its ranking. Potential clients ought to take into account this shortcoming earlier than enrolling.
Availability: 10/10
AFC Dwelling Guarantee companies 48 states, incomes it a ten/10 ranking. It lacks protection in California and Hawaii. For Mississippi houses, AFC has a powerful native community of skilled contractors who present high quality repairs to home equipment and necessary house techniques.
Calculate the Value of Mississippi Dwelling Guarantee
Use our calculator under to estimate the price of a brand new house guarantee plan. Simply kind in your month-to-month premium, service name price, and the variety of service/restore visits you anticipate in a yr. Our software will then present the complete estimated annual value of a plan on your Mississippi house.
| Equipment | Common Restore Value | Common Substitute Value |
|---|---|---|
| Dehumidifier | $50–$200 | $1,300–$2,800 |
| Microwave | $50–$400 | $60–$2,000 |
| Dishwasher | $50–$500 | $400–$3,000 |
| Exhaust Followers | $16–$300 | $250–$950 |
| Electrical Vary | $100–$500 | $230–$3,000 |
| Fuel Vary | $100–$500 | $230–$3,000 |
| Dryer | $100–$400 | $450–$2,300 |
| Oven | $100–$430 | $400–$3,000 |
| Washer | $50–$450 | $400–$2,300 |
| Freezer | $90–$500 | $160–$2,900 |
| Fridge | $40–$350 | $200–$5,000 |
Mississippi Dwelling Guarantee Rules
In Mississippi, house warranties will not be thought-about insurance coverage contracts however fairly service contracts, topic to the Mississippi Client Safety Act. Nonetheless, the house guarantee {industry} isn’t well-regulated within the state, making it essential for owners to totally evaluate protection plans, nice print, and buyer critiques earlier than choosing a supplier. Whereas Mississippi doesn’t have a devoted regulatory physique for house guarantee corporations, customers can nonetheless vet suppliers by checking their affiliations with {industry} organizations just like the Nationwide Dwelling Service Contract Affiliation (NHSCA), which requires member corporations to stick to a code of ethics centered on truthful enterprise practices.
If a Mississippi house owner encounters a house guarantee firm appearing in dangerous religion, they will file a criticism with the state lawyer normal’s workplace. Moreover, the NHSCA may also help expedite shopper complaints by instantly contacting the supplier’s higher administration. To additional shield themselves, owners ought to stay cautious of exaggerated claims and punctiliously study pattern contracts for hidden charges or exclusions, which can not all the time point out a rip-off however can immediate consideration of other suppliers.
Editor’s Be aware: Whereas this text highlights sure laws, it’s critical for readers to do their very own analysis, because the talked about laws will not be exhaustive.
Often Requested Questions
Do You Want a Dwelling Guarantee in Mississippi?
With Mississippi’s sizzling, humid summers and higher-than-average rainfall including extra put on and tear to house techniques and home equipment, a house guarantee can present beneficial safety in opposition to surprising restore prices. The choice finally will depend on your particular house, price range, and threat tolerance.
How A lot Does a Dwelling Guarantee Value in Mississippi?
The typical value of a house guarantee in Mississippi is round $500 per yr, plus service name charges starting from $50 to $125 per incident. For a extra detailed breakdown of house guarantee prices and components that may affect pricing, try our article on how a lot a house guarantee prices.
How To Save Cash When Purchasing for Dwelling Warranties In Mississippi?
To get the most effective charges on house warranties in Mississippi, I like to recommend getting quotes on-line and over the cellphone from at the least three suppliers, then evaluate protection, exclusions, and limits. Ask about promotions and reductions, equivalent to multi-year contracts and waived service charges.
Is a Dwelling Guarantee Price It for Mississippi Owners?
A house guarantee is value it for Mississippi owners as a result of it might probably present peace of thoughts and safety in opposition to surprising restore prices, which may be particularly useful for these with older houses or restricted financial savings. To study extra in regards to the professionals and cons of house warranties and whether or not one could be best for you, learn our in-depth article on the subject.
Finest Dwelling Warranties by State
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