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Audited & Verified: Jul 25, 2025, 5:08pm
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| Staff EditorIf you’re on the hunt for a home warranty company in Mississippi, the options can be overwhelming. Aspects like pricing and fees, company reviews and protection for particular appliances and systems are important to consider before starting conversations with home warranty companies.
Mississippi regularly sees scorching summer temperatures. Being that the state is on the coast, you may also be considering corrosion and roof leak coverage.
To help you limit the plethora of home warranty company options, we analyzed 19 major home warranty providers and 58 plans and ranked them by obtaining 106 quotes and using 60 datapoints. The team has read the fine print of these providers’ plans to help you find the best option for you.
The Forbes Home team is committed to bringing you independent, unbiased ratings and information. We use data and expert advice to inform all of our content. Plus, our advisory board of licensed professionals fact-checks and reviews our content for accuracy and relevancy. Our ratings for home warranties consider factors that include pricing, coverage options, nationwide availability, quote process, customer sentiment and more. All ratings are determined solely by our editorial team in line with our strict editorial guidelines.
Learn More: How We Score Home Warranty Companies
Featured Partners
1
Select Home Warranty
Plans Available
3
Response Time
Great
Number of States
46 + District of Columbia
2
Choice Home Warranty
Plans Available
2
Response Time
Excellent
Number of States
49 + District of Columbia
3
American Home Shield
Plans Available
3
Response Time
Excellent
Number of States
48 + District of Columbia
To help you identify the best home warranty companies for you in Mississippi, our editorial team scored several providers against numerous data points like monthly costs, plan offerings, consumer sentiments and more.
| COMPANY | OUR RATING | BEST FOR | MONTHLY FEE | AC COVERAGE | LEARN MORE |
|---|---|---|---|---|---|
 4.7    | Best Overall | $32.00 - $72.00+ | Yes | Read Forbes' Review | |
| 4.5 | Best Service Response Times | $46.08 - $59.92+ | Yes | On HWA's Website | |
| 4.5 | Best Cost and Plan Options | $49.99 - $59.92+ | Yes | On Liberty Home Guard's Website | |
| 4.4 | Best for Unique Home Features | $29.99 - $79.99+ | Yes | On American Home Shield's Website | |
| 4.3 | Best Value | $39.99 - $74.99+ | Yes | Read Forbes' Review |
Best Overall
Best Overall
2-10 Home Buyers Warranty
As a home warranty company, 2-10 Home Buyers Warranty is one to look out for in Mississippi and offers comprehensive coverage for Mississippi residents. This company aids homebuyers, builders and sellers at as low as $32 monthly for the most basic plan. Whether you’re looking for plans specific to kitchen appliance coverage or more comprehensive coverage, 2-10 is an excellent choice to think about.
Learn more: 2-10 Home Buyers Warranty review
2-10 Home Buyers Warranty shines in Mississippi for its affordability and flexibility of plan structure. Customers can determine their premium by selecting a higher or lower service fee level depending on what fits their budget. A unique aspect among providers that 2-10 offers is tailored coverage for those selling their home during the listing period. The company also offers policies that support home builders.
Why We Like It
The home warranty provider offers plans that let you prioritize what matters. For instance, if you want lower premiums, you can choose a pricier service fee. Need only appliance protection? 2-10 makes it happen. Additionally, if you’re near the coast in Mississippi, it’s important to know that 2-10 offers roof leak protection as an add-on.
What We Don’t Like
In Mississippi, 2-10 does allow selecting your own contractor, though you’ll need authorization in advance before you can move forward with a needed repair. Also, the provider maintains a fairly inflexible cancellation policy—if you cancel within the first 30 days, you’ll get charged $25, then the rate increases to 10% of the total cost of your annual plan after 30 days.
Who It’s Best For
We think 2-10 Home Buyers Warranty is a solid option for many homeowners in Mississippi, especially those who are looking for control over the service fees and premium costs.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
The sentiments from 2-10 Home Buyers Warranty respondents were overall positive and gave high regard to the providers’ services. There was some mixed feedback in the reviews about claims, denials, limitations and lack of communication. These complaints came mostly from rejected claims, preexisting issues and slow response time. Overall, the feedback was positive, especially around detailed communications and expected timelines.
From a survey of 1,800 U.S. users, 86% of 2-10 customers stated they would recommend the provider, and 88% rated its services as advantageous. Overall, these results show a generally positive picture of customer opinions.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Simply Kitchen | $32+ | $65 - $100 |
Complete Home | $52+ | $65 - $100 |
Pinnacle Home | $72+ | $65 - $100 |
Add-On Options:
On AFC's Website Have you considered AFC Home Warranty?
Whether you need repairs or a new appliance, AFC can help cover the cost of even the most expensive items like HVAC and plumbing. Here’s why we chose it:
Available plans to choose from: Silver Plan, Gold Plan, Platinum Plan, Systems Plan
Three years work guarantee of repairs
Plans include free credit monitoring, family emergency services and discounts on household items, restaurants and more
On AFC's Website 
Best Service Response Times
Best Service Response Times
Home Warranty of America (HWA)
Home Warranty of America is a well-established company offering home warranty plans from under $50 per month. With just a pair of plans, HWA caters to homeowners looking for easy-to-navigate protection. Customers can expect service fees in the $75 to $100 range, depending on their plan choice. The company’s roots go back to 1996, making it one of the more experienced names in the industry.
Learn more: Home Warranty of America review
Although companies that have appliance-only plans can be the best choice for many users, we like that HWA offers two options, each focusing on systems and appliances. Those who like a deeper level of coverage can opt for the more premium plan or select some of the company’s many add-ons.
Why We Like It
HWA aims for a 48-hour response time, which we always appreciate. The company also offers an add-on called GreenPlus that ensures you’ll receive an ENERGY STAR certified appliance if covered equipment qualifies for replacement.
What We Don’t Like
You won’t find full system protection in the base plan, which feels like a miss for those expecting full coverage upfront. And while the simplicity of two plans can be a plus, it also means limited plan depth for homeowners who have more specific needs or older systems that require special attention.
Who It’s Best For
This company tends to be best for homeowners who want plans that cover both systems and appliances and have the option to deepen coverage.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
We saw mixed customer sentiments for Home Warranty of America. On the plus side, homeowners seemed pleased with the company’s customer service and the contractors it dispatches. In less positive reviews, customers took issue with surprise costs and long delays in service.
Survey feedback for Home Warranty of America was fairly favorable, though not quite as glowing as some other providers. Around 15% of respondents said they were hit with surprise fees, which was slightly above the average. Still, HWA earned a decent 7.9 out of 10 when it came to value for money. Average yearly premiums hovered around $644.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Select | $46.08+ | $75 - $100 |
Select Plus | $59.92+ | $75 - $100 |
Add-On Options:
Best Cost and Plan Options
Best Cost and Plan Options
Liberty Home Guard
Even with a relatively short eight-year track record, Liberty Home Guard is a favorite among customers. The company has three plans, including one focusing on appliances, one providing coverage for home systems and one offering coverage for both. With multiple options for service fees as well, you can pick a plan combination that best fits your budget.
Learn more: Liberty Home Guard review
We included Liberty Home Guard because it gives homeowners a level of control you don’t always see. From choosing your own contractor to covering properties like secondary residences, Liberty makes it easier to tailor your coverage to your living situation.
Why We Like It
What we like most is how much you can add on. Liberty offers one of the broadest lists of extras, from pest control to re-keying. It’s rare to find those kinds of options in a standard home warranty. Plus, Liberty lets you get in touch through text, which is helpful when something breaks and time matters.
What We Don’t Like
Liberty’s cancellation fee is $50, which can be a little pricey. Additionally, its plans have a $2,000 maximum payout per covered item, so you’ll need to pay attention to your claims.
Who It’s Best For
Liberty is best suited for homeowners who want plan flexibility. If you’re looking for a provider that doesn’t force a one-size-fits-all approach, this is a strong option. It’s also ideal for landlords who need more flexible coverage terms.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
In our research, Liberty Home Guard has generally mixed reviews from customers. On the positive end, customers seemed to note helpful and kind customer service agents and timely help. In more critical reviews, customers seemed to mention denied claims and delays in service.
Liberty Home Guard performed fairly well on our survey of home warranty customers. When asked, 84% of customers said they were happy with the outcome of their service calls and 85% of Liberty customers in our survey said they intend to renew their plan.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Appliance Guard | $49.99 | $65 - $125 |
Systems Guard | $54.99 | $65 - $125 |
Total Home Guard | $59.99 | $65 - $125 |
Add-On Options:
Best for Unique Home Features
Best for Unique Home Features
American Home Shield
American Home Shield has been in the home warranty business since 1971, making it one of the most tenured companies on our list. You can choose from three distinct home warranty plan options through the company: ShieldSilver, which covers home systems and starts at $29.99, ShieldGold, which covers home appliances and systems and starts at $49.99 and ShieldPlatinum, starting at $79.99, which combines the two plans, increases the coverage cap to $4,000 for covered appliances and adds other perks.
Learn more: American Home Shield review
Our team appreciates that American Home Shield provides a raised coverage cap (up to $4,000) for covered appliances. In Mississippi, policyholders can choose monthly or yearly payment options. We respect its tiered plan approach, offering everything from systems-only coverage to all-encompassing plans. Bonus: Even its lowest-tier plan includes protections for your HVAC system, which is necessary in Mississippi’s sweltering summers.
Why We Like It
AHS has some unique features that make it stand out in Mississippi, including coverage for preexisting conditions and code violations, as well as coverage options for renters and those who live in condos and manufactured or mobile homes. The company strives to answer claims in Mississippi within 24 to 48 hours and sometimes offers a video diagnosis feature for a quicker solution.
What We Don’t Like
While AHS does allow you to work with your preferred contractor, getting that approval can be tedious. Also, if you cancel after the initial 30-day window, expect an administrative fee equal to one month’s subscription cost.
Who It’s Best For
American Home Shield can be a great option for homeowners in Mississippi who live in manufactured or mobile homes, or condos, and for residents who like the idea of raised appliance coverage limits.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
Customer feedback regarding AHS was mixed to negative in our research. Some customers praised the efficiency in solving their issues, but others expressed concerns about contractor professionalism and surprise pricing.
We surveyed 1,800 home warranty customers to gain feedback on their experience with companies like American Home Shield. Users highly recommended the provider, with 83% saying they would recommend AHS to their network if given the opportunity. A high percentage of 84% also said the company’s documentation was easy to read and understand.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
ShieldSilver | $29.99+ | $100 - $125 |
ShieldGold | $49.99+ | $100 - $125 |
ShieldPlatinum | $79.99+ | $100 - $125 |
Add-On Options:
Best Value
Best Value
ARW Home
After getting its start nearly 20 years ago, American Residential Warranty rebranded to ARW Home in 2021. With three broad-reaching plan options, ARW adds protection for unique home items like electronics, water and sewer lines.
Learn more: ARW Home review
ARW Home offers concise, easy-to-understand policies that allow Mississippi homeowners to choose coverage based on their specific needs. The company also offers priceless add-on options, including pool and spa coverage, as well as water and sewer line protection, making it a strong contender for homes with more complex needs.
Why We Like It
One notable feature of ARW is that it does not outright deny coverage based on the age of your home, which is a customer-friendly policy. We also appreciate the flexibility to choose your own contractor, a perk not every provider offers. Its extensive list of add-ons, including pools, could make it a dependable option for more amenity-heavy homes.
What We Don’t Like
With this company, you’ll be subject to a $45 cancellation fee, and some customer reviews mention being required to cancel by mail. If this is something that concerns you, we recommend asking about the policy before signing on.
Who It’s Best For
Homeowners who don’t mind that they can’t choose their own coverage limits and like the choice of three comprehensive plan options should consider ARW Home. Also, policyholders who want a higher annual limit will love ARW Home’s $5,000 limit (compared with other companies’ $2,500 limit).
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
Forbes Home surveyed almost 2,000 United States home warranty policyholders to better understand their feelings toward every home warranty provider we considered. 92% of policyholders said they felt the plan had a lot to offer in terms of value against the cost of the plan. Also, 93% of ARW customers say that they would recommend this company to a friend or family member.
After we surveyed 1,800 home warranty policyholders, we found that ARW Home got high marks for satisfaction. In our survey, 93% of ARW customers said they’d recommend the service to friends or family, while 92% said they felt the plan provided solid value for the price.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Kitchen Plus | $39.99+ | $55+ |
Platinum | $64.99+ | $55+ |
Platinum Premier | $74.99+ | $55+ |
Add-On Options:
On AFC's Website Have you considered AFC Home Warranty?
Whether you need repairs or a new appliance, AFC can help cover the cost of even the most expensive items like HVAC and plumbing. Here’s why we chose it:
Available plans to choose from: Silver Plan, Gold Plan, Platinum Plan, Systems Plan
Three years work guarantee of repairs
Plans include free credit monitoring, family emergency services and discounts on household items, restaurants and more
On AFC's Website We recently conducted a survey of 1,800 customers with home warranty policies and discovered that 81% of residents reported spending between $801 and $900 each year on their home warranty premium costs. This amounts to around $70 per month.
Typically, monthly home warranty costs range from $27 to $100, or $60 on average. To get a more accurate rate for you, you’ll also need to factor in service fees, which you’ll need to pay each time you call on a contractor to your home to perform a repair under your home warranty plan. These typically range from $65 to $150 per visit, and the price of your service fee may lower or raise your monthly premium.
Comparing home warranty costs to average home repair costs helps you determine if you’re getting a good deal. For example, dishwasher repairs can cost $250 on average. Knowing average home warranty costs, you can get a better idea of what you can save, even while you’re making consistent monthly payments with a home warranty.
How much your home warranty will cost in Mississippi will depend on the plan you choose and the company from which you purchase it. Plans that cover additional systems and appliances will cost more than your barebones plans. Add-ons will also raise your cost. For instance, if you want to add roof leak or corrosion coverage in Mississippi because of its location on the coast, this may cost extra. Plans that include HVAC coverage may cost more than those without it, but can be well worth it in the extreme high temperatures of Mississippi.
| MISSISSIPPI HOME WARRANTY COSTS | ||
|---|---|---|
| Breakdown | Monthly Premium | Service Fees |
| Average cost | $60 | $65 - $150 |
| Cheapest quote | $27 | $65 |
| Most expensive quote | $97 | $100 |
Compare Quotes From Top-rated Home Warranty Companies
Free, No-commitment Estimates
Home warranties can be worth it in Mississippi, but it depends on a few factors.
If you have a brand-new home with lots of items still covered under a warranty, or you’re particularly handy and confident that you’ll be able to take on home repairs, then a home warranty may not be worthwhile for you.
However, if you have an older home with appliances and systems that are not covered by builders’ or manufacturers’ warranties, then a home warranty can be worth the cost in the case of unexpected repairs. In this case, it’s best to evaluate the costs of a home warranty (both premiums and service fees) with average repair costs for home items in Mississippi.
If you are thinking about maintaining other items besides the washer with a home warranty, your plan can authorize repairs for a wide array of items for one monthly fee, plus a fee for each visit that is typically much smaller than you’d pay on your own.
Home warranties can also be worth it for peace of mind—if your AC system breaks in the heat of a Mississippi summer, a home warranty company can send over a trusted pro to perform a repair. If your system and repair are covered under your plan, you’ll only need to pay the service fee.
Choosing a home warranty plan is a decision unique to you, your home and the systems and appliances you’d most like to cover. However, every homeowner can keep some factors in mind to make the best home warranty plan decision possible, and there are a few factors Mississippi homeowners should especially consider.
Many home warranty companies offer comprehensive coverage for your HVAC system (a.k.a the heating, cooling and ventilation system). Even if you aren’t in a specifically cold part of Mississippi, those one-off heat waves and winter chills can quickly remind you how important a properly running HVAC system is. HVAC repair costs can be around $400 on average, though it hinges on what needs to be repaired, as the full cost range is $100 to over $2,500. Though these repairs can be expensive, you shouldn’t run the risk of your HVAC dying during an extreme heat wave.
To get the most out of a home warranty, start by identifying your tailored coverage needs. Consider which home systems or appliances are likely to need attention soon (particularly those that are aging or approaching the end of their life). Take inventory of what’s relatively new and may still be protected by a manufacturer’s warranty.
It’s also smart to evaluate which systems or repairs could be especially complex to fix, such as electrical wiring, plumbing or large appliances.
Once you’ve built a clear picture of your home’s needs, compare it against what home warranty companies cover. Matching your priorities with what different providers offer—and what fits your budget—can help ensure you choose a plan that’s truly worth the investment.
Most home warranty companies will have sample contracts for you to read on their websites. It’s a smart idea to read through these to get a sense of the company’s policies, such as cancellation fees, contract renewal terms, coverage exclusions and limits. For example, a company may cover roof leaks, but only those caused by typical wear and tear and only up to $5,000 in damages. It’s good to know about these early before committing to a company so you can reach out with questions before signing on the dotted line.
Coverage exclusions and limits are particularly important in Mississippi, as extreme weather can wreak havoc on home appliances and systems. Keep a close eye on these sample contracts for coverage limits on repairs to systems like HVAC, which can be all the more vital in your location.
A home warranty plan is only worth its salt if it fits into your budget. We recommend comparing monthly premiums of every plan you’re considering, as well as service fees. Be sure to look at the plan itself as well as the price to ensure you’re selecting the best option based on every factor and not just the premium. This process will help you find the best home warranty plan for your buck in Mississippi.
Arguably, you won’t find better information about a company’s reputation than online customer reviews and sentiments. If local reviews are accessible, that’s even better. Neighbors, family, friends and those in your community can give you a better look at which companies you should consider.
In Mississippi, home warranty companies aren’t regulated by a particular office, but companies do fall under the Mississippi Consumer Protection Act. If you have any issues or wish to file a complaint, we recommend reaching out to the Consumer Protection department within the state’s Attorney General’s office.
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What a home warranty will cover in Mississippi will depend on the company and plan you choose, rather than your location. Some plans focus on home systems like HVAC, plumbing and electrical, others focus on appliances like stoves, fridges and ice makers and other plans combine the two for more well-rounded coverage.
Generally, a home warranty plan will cover repairs based on typical wear and tear for these appliances and systems. So, if your water heater suddenly stops working, and it’s under your plan, the repair may be covered. The easiest way to determine what your home warranty plan covers (and to what extent) is to check your contract and contact your chosen company with any questions.
Compare Quotes From Top-rated Home Warranty Companies
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Before you rely too heavily on your home warranty, it’s crucial to understand not just what it covers, but what it doesn’t. Even if a system or appliance is included in your plan, that doesn’t automatically mean every replacement will be fully paid for.
One of the biggest factors affecting coverage is the cause of the problem. Home warranties are intended to aid in situations of normal maintenance, not when damage is caused by external events or human error. So if a coastal flood damages your HVAC system, don’t expect your warranty to step in. Those situations are usually handled by homeowners insurance.
Then there are coverage caps to consider. Let’s say salty air corrodes equipment in your coastal Mississippi home—even if the issue is eligible for coverage, your provider may only reimburse a portion of the cost. These limits vary by plan and can significantly impact what you’ll pay out of pocket. That’s why it’s essential to reach out to your home warranty provider if you’re unsure about specific coverage details. The fine print matters, and getting clarity up front can help you avoid unexpected costs down the line.
To better understand current home warranty trends in Mississippi and across the U.S., we surveyed 1,800 homeowners who have had a home warranty plan within the last 12 months. Homeowners in the Southeast shared their experiences with coverage, how they use their plans and their opinions on home warranties in general, including feedback on the companies they chose.
Best Home Warranty Companies By State
If you’re on the search for a home warranty provider in other states, look no further than the list below.
To determine the home warranty companies ranking, the Forbes Home editorial team analyzed 19 companies and 58 plans, with each company’s star rating determined by evaluating several metrics and subcategories, including years of experience, signup and restrictions, plan pricing, fees and discounts, coverage features and more. We also utilize our in-house consumer sentiment analysis, which includes over 146,000 first-person insights as well as our net promoter score survey (NPS), in which our team asked over 1,800 policyholders about their home warranty, to come to the conclusion of the best home warranty company.
You can find out more about how Forbes Home rates home warranty companies in our detailed methodology page.
No, you don’t need a home warranty in Mississippi, though having one certainly has its advantages. If you are purchasing a home in the Magnolia state and want to be totally protected in your long-term investment or you know that your appliances or systems are older, a home warranty can help reduce big repair or replacement bills.
Those who are the best candidates for home warranty plans in Mississippi are those with older homes that have systems and appliances nearing the end of their life or that you think may need repair within the coverage period. It can also be a smart idea to get a home warranty plan in Mississippi if you don’t feel comfortable handling home repairs yourself.
Those in Mississippi may also particularly benefit from a home warranty plan because of the extreme heat, which can put strain on your HVAC system. However, only you can decide if you “should” get a home warranty based on factors like your budget and what home items you want to cover.
Depending on your specific area in Mississippi, you may see more home warranty plans featuring roof coverage, though it’s not guaranteed that all companies will offer the same level of protection. Roof coverage is rare, though, and when it is included, coverage looks more like routine wear-and-tear roof repairs. If you’re more worried about damage and want to protect your roof, you may want to consider a home insurance plan, which more commonly offers roof coverage.
Kristin is a lead editor at Forbes Home and has nearly a decade of professional experience as a writer and editor. She's previously worked at sites like Talking Points Memo, Insider, Delish, Angi and HomeAdvisor. She has a passion for lifestyle topics and has extensive experience researching and reporting on topics that will help make your house a home.
Sami Allen is the managing editor at Forbes Home, with over seven years of experience in the home space and 10 years of editing experience.
