Best Home Warranty Companies In South Dakota Of 2025

• 2-10 Home Buyers Warranty: Best Overall
• Home Warranty of America (HWA): Best Service Response Times
• Liberty Home Guard: Best Cost and Plan Options
• American Home Shield: Best for Unique Home Features
• ARW Home: Best Value

The leading home warranty companies in South Dakota were identified by us after deep analysis of several influential home warranty companies and plans and took aspects such as premiums and service fees, customer sentiment and more into consideration.

2-10 Home Buyers Warranty

4.7

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Read Forbes' Review

Best For

Best Overall

Monthly Fee

$32.00 - $72.00+

Hvac Coverage

Yes

Home Warranty of America (HWA)

4.5

Get A Free Quote

On HWA's Website

Best For

Best Service Response Times

Monthly Fee

$46.08 - $59.92+

Hvac Coverage

Yes

Liberty Home Guard

4.5

Get A Free Quote

On Liberty Home Guard's Website

Best For

Best Cost and Plan Options

Monthly Fee

$49.99 - $59.92+

Hvac Coverage

Yes

American Home Shield

4.4

Get A Free Quote

On American Home Shield's Website

Best For

Best for Unique Home Features

Monthly Fee

$29.99 - $79.99+

Hvac Coverage

Yes

ARW Home

4.3

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Read Forbes' Review

Best For

Best Value

Monthly Fee

$39.99 - $74.99+

Hvac Coverage

Yes

COMPANY	OUR RATING	BEST FOR	MONTHLY FEE	HVAC COVERAGE	LEARN MORE
2-10 Home Buyers Warranty	4.7	Best Overall	$32.00 - $72.00+	Yes	Learn More Read Forbes' Review
Home Warranty of America (HWA)	4.5	Best Service Response Times	$46.08 - $59.92+	Yes	Get A Free Quote On HWA's Website
Liberty Home Guard	4.5	Best Cost and Plan Options	$49.99 - $59.92+	Yes	Get A Free Quote On Liberty Home Guard's Website
American Home Shield	4.4	Best for Unique Home Features	$29.99 - $79.99+	Yes	Get A Free Quote On American Home Shield's Website
ARW Home	4.3	Best Value	$39.99 - $74.99+	Yes	Learn More Read Forbes' Review

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• First American Home Warranty: With over 40 years of industry experience, First American Home Warranty provides three structured plans. The Basic Plan is priced at $42 per month and includes protection for frequently used home appliances. At $57, the Essentials Plan expands to include HVAC and major system protection. For those seeking enhanced coverage, the Premier Plan comes in at $77 and includes an even wider range of systems and appliances. Unlike some companies, First American does not let homeowners select their own technician, relying instead on their internal network of professionals.
• AFC Home Warranty: AFC Home Warranty has four plans, which is more than the typical home warranty company offers. The company has an option for nearly every South Dakota homeowner concern, with its standard plan (the Silver Plan, which starts at $41 per month), covering an array of appliances and its most comprehensive plan (the Diamond Plan, which starts at $95 per month) covering 22 items, including systems and appliances. However, the provider doesn’t cover preexising conditions.
• Choice Home Warranty: This company has been serving customers for more than 10 years and sticks to a streamlined model with only two plan options: the Basic Plan and the Total Plan. The Basic Plan starts at approximately $47 per month and offers coverage for common home essentials. The Total Plan expands coverage to more high-value components, starting at roughly $55 per month. Keep in mind, though, that this provider has some low customer sentiment.

Based on a recent survey of 1,800 home warranty policyholders, 80% of homeowners said they spent between $801 and $900 per year on premium costs—that’s about $70 per month.

While monthly warranty costs typically fall between $27 and $100, the national average lands around $60. But don’t forget to factor service fees into your total spending—these fees are what you’ll shell out each time a technician comes out to perform a repair. These usually range from $65 to $150 per visit and can affect your monthly premium depending on the plan’s setup.

Even still, home warranties can save you money if you have frequent repairs, as dishwasher repairs can cost $250 on average.

Your actual home warranty rates in South Dakota will vary depending on the plan and company you select. Plans that offer broad protection or include high-use systems like HVAC tend to be more expensive than entry-level ones. Still, with freezing winters in the mix, it may be worth paying a bit more in advance to avoid hefty out-of-pocket service expenses later.

SOUTH DAKOTA HOME WARRANTY COSTS
Breakdown	Monthly Premium	Service Fees
Average cost	$60	$65 - $150
Cheapest quote	$27	$65
Most expensive quote	$97	$100

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If you live in South Dakota, you may find a home warranty to be worth the investment, though several factors will dictate whether it truly makes sense for you.

Do you have an older home with older appliances and systems? If your builder’s or manufacturer’s warranty has expired by the time you’re looking at a home warranty, that may be a sign to get one. Otherwise, repairs and replacements can get pricey.

On the other hand, if you have a newer home with active policies and feel confident about handling some more significant repairs yourself, you may feel a home warranty is redundant.

Home warranties are not only a smart long-term investment but can also offer peace of mind if your heater breaks during the dead of winter when temperatures are bone-chillingly cold. With most home warranty companies, a trusted technician will execute your repair, and as long as it’s covered under your plan, the only cost you’ll have to pay is the service fee.

Selecting a home warranty plan is a personal choice dependent on your specific needs, your home and the systems and appliances you want to protect. That said, every homeowner can keep a few factors in mind to make the best possible home warranty call. Additionally, there are certain considerations that South Dakota homeowners should pay extra attention to when comparing plans.

HVAC Coverage

HVAC systems (a.k.a your heating, ventilation and cooling systems) are some of the most commonly covered items in home warranty plans and for good reason. HVAC repairs are not only costly (running around $400 for an average repair), but they can make your home uncomfortable or even dangerous in some cases. After all, the last thing you want is your HVAC system going out during a cold snap. That can cause burst pipes and dangerously cold temperatures in your home.

We suggest looking into home warranties that cover your HVAC system for greater peace of mind, no matter where you call home but especially in South Dakota.

Identify the Coverage You Need

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 reflect on which systems or repairs could be especially disruptive 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.

Read Sample Contracts, Coverage Exclusions and Limits

Most home warranty companies will have sample contracts for you to read on their websites. It’s a good 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 normal wear and tear and only up to $5,000 in damages. It’s good to know about these right away 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 South Dakota, 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.

Compare Monthly Costs and Fees

Your budget is arguably the most pivotal element of the home warranty provider research process. If you don’t have the money for a specific plan, then why consider it? To save time, we suggest comparing plans and premiums against what you can spend and eliminating any options that don’t fit into your financial plan.

Look At Reviews

Consumer sentiments will tell you more information about a provider than you could imagine. If you can, read each company’s customer reviews from the last year or two in particular, ideally on multiple platforms. Consider reaching out to your community, friends, family and neighbors to get a sense of their feelings on the providers they work with.

South Dakota Home Warranty Regulations

No, home warranties aren’t directly regulated in South Dakota. Despite that, you can have peace of mind knowing that home warranty providers are covered under South Dakota’s consumer protection laws. We always recommend, however, that you attempt to solve these issues with the provider first.

How to Make Sure You’re Protected in South Dakota

Although home warranties aren’t explicitly regulated in South Dakota, you can still take steps to protect your investment in a home warranty plan by raising any issues and staying informed about your home warranty company. Here are a few tips we recommend:

1. Stay informed about the company’s track record. If you’re having issues with a company, it can help to search its profile on consumer trust websites like the BBB or South Dakota’s consumer protection office. These types of sites often put out alerts for patterns of issues. You may not always need to act when you see these alerts, but they can help keep you aware of problems.
2. Take note of company policies. Knowing your home warranty’s notice period for renewals can help you avoid unexpected charges, for example, and being aware of its cancellation policy can be helpful too. Similarly, be aware of how to submit service requests and the expectations for payment. The more you know, the more you can avoid problems.
3. Keep tabs on bills. Make sure you know how much the company should be charging you and when, so you can point out any billing issues. While mistakes can happen, catching them early helps refunds be issued faster.
4. Keep records just in case. It can be wise to document service requests, visits from contractors and payments in case of issues down the line. Similarly, having screenshots of conversations and photos of work can help when contacting the company about any problems.

What a home warranty will cover in South Dakota 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 cover 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 breaks, 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.

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 listed in your plan, that doesn’t automatically mean every repair will be fully paid for.

A major factor affecting coverage is what is causing the system or appliance issue. Home warranties are made to aid in situations of normal maintenance, not when damage is caused by out-of-the-norm events or human error. So if a tree hits your roof, don’t expect your warranty to step in. Those scenarios are typically handled by homeowners insurance.

Then there are coverage caps to consider. Let’s say your water heater suddenly stops working—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 speak with 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 get a clearer picture of home warranty trends in South Dakota and nationwide, we surveyed 1,800 homeowners who have had a home warranty plan within the past 12 months. Homeowners in the Midwest offered valuable insights on how they feel about home warranties overall, what they think of the companies they chose and what they use their plans for.

• In terms of coverage, heating was the most commonly included system in home warranty plans across the Midwest, followed by air conditioning.
• When it came to satisfaction, 93% of home warranty customers in the region said they were satisfied with the outcome of their service requests.
• If you’re new to the home warranty market, you’re not alone—75% of respondents in the Midwest reported this being their very first home warranty plan.
• Looking ahead, 79% of homeowners in the Midwest said they plan to re-up their warranty coverage once their existing contract comes to an end.

If you’re on the search for a home warranty company 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.