I perceive the toll that Mississippi’s humid local weather takes on house home equipment and methods. From scorching summers that push air conditioners to their limits to the excessive rainfall within the spring and tropical storms within the fall, Mississippi properties face rather more put on and tear than common. When important elements like AC items, electrical methods, and plumbing methods break down, restore prices can spiral into the hundreds, inserting a big monetary burden on an unsuspecting household.
House warranties supply an answer to those sudden bills, offering peace of thoughts by means of monetary safety. Nonetheless, complicated contracts plague the {industry} by means 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 At present’s Home-owner’s stringent score standards, I evaluated every supplier’s protection choices, value, customer support, claims course of, and status.
By 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 householders, ensuring that the important methods and home equipment most liable to breakdowns carry satisfactory safety. For those who’re a Mississippi house owner looking for a reliable security internet in opposition to pricey repairs, think about one of many greatest house guarantee corporations I focus on on this article.
Why Belief Us?
Right here’s how we ranked and reviewed the nation’s prime house guarantee corporations to deliver you probably the most correct info.
76
Our workforce of consultants reviewed over 70 house guarantee suppliers to match plan choices, protection limits, costs, and buyer suggestions.
152
We collected over 100 pattern quotes from dozens of house guarantee corporations to present you an correct have a look at {industry} pricing.
6
Our score system scores suppliers based mostly on 6 key components: protection choices, affordability, buyer expertise, status, claims processes, and availability.
Learn our full House Guarantee Assessment Methodology for extra particulars.
Prime 5 House Guarantee Corporations
Highlights
- For Mississippi householders looking for a customizable house guarantee, Liberty House Guard is a standout selection. With optionally available add-on protection obtainable for septic methods, nicely pumps, and pool/spa tools, you’ll be able to tailor a coverage to your private home’s particular wants. This flexibility is particularly priceless given the state’s scorching, humid local weather and houses with numerous distinctive methods and options. Liberty House Guard has earned reward for its responsive claims service, giving me confidence it could possibly reply rapidly to restore points.
- If speedy repairs are a prime precedence for you, think about American House Protect. AHS boasts a powerful monitor file 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 properties 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 together with your finances and residential’s particular wants. Benefit from any promotions or reductions to maximise worth. Lastly, learn evaluations from fellow Mississippians to see how suppliers dealt with claims for properties much like yours. An intensive evaluation of the superb print and native insights mix to color a clearer image of the safety and repair you’ll be able to count on.
My Skilled Advice
Liberty House 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 wear and tear and tear brought on by 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 householders with high-end home equipment and methods, American House Protect and Elite House 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 methods, whereas EHW goes even additional — $6,000 in equipment protection and $10,000 for methods. These ample caps will help defend even the most costly tools. Nonetheless, it’s important to rigorously evaluation the superb print for exclusions earlier than committing to any plan.
At present’s Home-owner Ideas
Liberty House 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 House Guarantee Corporations I Didn’t Embrace
Whereas First American House Guarantee (FAHW) is a widely known supplier within the {industry}, I selected to not embody it amongst my prime suggestions for Mississippi householders. My main 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 might redirect you to a third-party web site. On this case, you’ll get quotes from competing house guarantee corporations somewhat — not FAHW. I’ve tried getting quotes in a number of states, and FAHW doesn’t service lots of them instantly. Till FAHW addresses this concern and gives protection to Mississippi properties instantly, I hesitate to advocate it as a best choice for residents in our state.
I additionally determined in opposition to together with Alternative House Guarantee amongst my prime picks for Mississippi householders due to an ongoing client fraud lawsuit filed by the Arizona lawyer common in opposition to the corporate. Till the case concludes and I can study the ultimate ruling, I don’t really feel comfy recommending Alternative House Guarantee to Mississippians. If the legal grievance delivers credible proof of misleading or fraudulent practices, that might solidify my place to go away Alternative off my checklist, advising Mississippi residents to keep away from this supplier. Nonetheless, if the case is dismissed with none regarding findings, I’ll rethink Alternative as an area house guarantee supplier.
Examine The Highest Rated House Warranties In Mississippi
Quote and price knowledge gathered January 2024. Value knowledge are up to date and monitored repeatedly.
Our Opinions of the Greatest House Warranties in Mississippi
Greatest for Customization
Liberty House Guard
4.6
Our Ranking
Restricted Time:
$200 Off + 2 Months free + Free Roof Leak Protection
I respect Liberty House 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 methods or visitor homes, Liberty gives the pliability to create a plan that completely suits your wants.
I additionally worth the corporate’s dedication to customer support, sustaining a powerful 4.7-star score on each Google and Trustpilot, far surpassing the 2- to 3-star common typical of many house guarantee corporations. This stellar status for responsive service, mixed with extra perks like a 60-day workmanship assure that extends nicely past the {industry} customary of 30 days, provides me confidence that Liberty shall be there when Mississippians want them most, whether or not in rural or city areas.
Whereas Liberty House Guard’s customizable plans are interesting, I’ve some reservations after reviewing its pattern contract. My main concern is Liberty’s low protection caps, which max out at simply $2,000 for house home equipment and methods. That is considerably decrease than rivals like Elite House 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 monthly, in comparison with simply $6–$12 from suppliers corresponding to EHW.
Backside Line: 9.3/10
For Mississippi householders looking for a dependable and reasonably priced house guarantee, Liberty House Guard is my best choice. With plans beginning at round $50 monthly, Liberty presents complete protection and over 40 distinctive add-ons tailor-made to properties within the Magnolia State, corresponding to safety for nicely pumps, sump pumps, turbines, window cleansing, and even pest management. This distinctive degree of customization, mixed with Liberty’s constantly praised customer support, quick claims processing, and responsive help, is why I give the corporate a powerful 9.3/10 score.
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} customary and offering additional peace of thoughts. For Mississippi householders who don’t personal ultra-premium home equipment, Liberty’s successful mixture of customized plans, aggressive costs, and devoted customer support is tough to beat. For those who’re searching for a house guarantee that may be tailor-made to your particular wants and finances, Liberty House Guard is the best choice.
Plans and Protection: 10/10
Liberty House Guard will get an ideal 10/10 score from me for its unmatched customizability, sturdy plans, and affordability, making it a great selection for Mississippi householders. With over 40 add-ons, corresponding to sump pump protection, electronics safety, generator protection, energy washing, swimming pools, spas, and extra, Liberty permits Mississippians to craft a plan that completely suits their house’s distinctive wants and addresses the challenges of the state’s humid subtropical local weather.
I personally advocate the Whole House Guard plan, which mixes complete equipment and system protection for simply $60 monthly — 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), might exceed the {industry} common of $75, Liberty presents attractive reductions that may assist offset these prices. Throughout my secret procuring, I used to be supplied two free months with annual funds and seasonal $225 coupons. One other standout function is Liberty’s 60-day workmanship assure, doubling the {industry} customary and offering additional peace of thoughts on the standard of repairs.
| Plan | Month-to-month Value | Service Price | Accessible Reductions |
| Equipment Guard | $49.99 | $65 – $125 | 2 months free (on-line), $225 off coupon (on-line) |
| Techniques Guard | $54.99 | $65 – $125 | 2 months free (on-line), $225 off coupon (on-line) |
| Whole House Guard | $59.99 | $65 – $125 | 2 months free (on-line), $225 off coupon (on-line) |
Editor’s Notice: The associated fee knowledge talked about on this article was sourced for a single-family, two-bedroom house underneath 5,000 sq. ft in Jackson, MS. The associated fee knowledge introduced was correct on the time of writing.
Accessible Add-Ons
Liberty House Guard has the next optionally available add-ons to its plans. As somebody with delicate allergy symptoms, I respect the distinctive carpet cleansing add-on. For this reasonably priced price, you’ll be able to have an expert 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
- Instantaneous scorching water dispenser: $9.99/month
- Garden sprinkler system: $9.99/month
- Lights: $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
- Further 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 customary plan exclusions:
- Beauty defects
- Cranes or different specialty autos required to put in, take away, or entry your home equipment or house methods
- Disposal of home equipment, methods, or elements
- Electronics, computerized, “good,” or Web/enabled elements and elements
- Filters related to any lined objects
- Fireplace sprinkler methods
- Flues, vents, chimneys, and exhaust traces
- Glass elements
- Lighting
- Malfunction or injury brought on by acts of God
- Noise
- Radon and different leak detection monitoring methods
- Distant receiving and transmitting gadgets
- Photo voltaic methods and purposes
Editor’s Notice: Whereas this text highlights sure exclusions, it’s crucial for readers to evaluation their contracts because the talked about exclusions aren’t exhaustive, and extra exclusions might apply.
Affordability: 8.9/10
Liberty House Guard presents competitively priced base plans beginning at round $50 monthly, making it an accessible choice for many Mississippi householders. Nonetheless, the corporate’s add-ons are typically dearer than these of different suppliers, with most costing over $15 monthly in comparison with the $6 to $13 vary supplied by rivals. One other potential downside is Liberty’s non-negotiable service payment, which ranges from $65 to $125 when submitting a declare (relying on the kind of service you want) – larger 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, corresponding to reverse osmosis filters and pro-series or luxurious tools. This flexibility is especially priceless for Mississippians with high-end or specialised house methods. Nonetheless, it’s essential to bear in mind that Liberty solely covers objects as much as their “guide worth” somewhat 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 House Guarantee ($6,000) and American House Protect ($3,000). Regardless of these limitations, Liberty House Guard nonetheless earns a strong 8.9/10 score from me for its total affordability and distinctive protection choices.
Buyer Expertise: 7.8/10
Liberty House Guard earns a good 7.8/10 score from me for buyer expertise as a result of its easy on-line quoting system and swift enrollment course of. Throughout my secret procuring, I used to be pleasantly stunned to see how simple it was to match protection choices and personalize my plan to suit my house’s distinctive wants. Liberty’s web site makes it fast and straightforward for Mississippi residents to grasp their decisions and make one of the best selections. 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 make sure 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 prospects wait as much as 90 days. Regardless of occasional reviews of sluggish response instances when submitting a declare or issue reaching a supervisor for escalated issues, total, Liberty gives a streamlined expertise from quote to restore.
Firm Fame: 9.1/10
Throughout hundreds of evaluations, Liberty House Guard constantly receives sturdy, optimistic reward from prospects, highlighting distinctive service, clean claims processes, high quality repairs, good communication, and fast concern decision. The corporate’s optimistic 4.7-star scores on Google and Trustpilot display its dedication to placing folks first, setting it other than rivals within the house guarantee {industry}. Liberty’s dedication to buyer satisfaction is clear in buyer evaluations and in reward it receives from staff on Glassdoor, highlighting a supportive firm tradition that normally results in distinctive customer support.
It’s value noting that the Higher Enterprise Bureau (BBB) revoked Liberty’s A+ score 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 customary process whereas they evaluation all of the complaints carefully. Liberty has beforehand gone by means of this course of just a few instances previously three years and had its A+ score restored after the BBB’s analysis. So, I’m hopeful the identical will occur to Liberty on this occasion. For Mississippi householders looking for a dependable house guarantee supplier with an impressive status, Liberty House Guard stands out among the many competitors, incomes a stellar 9.1/10 score from me.
| Ranking Website | 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 Notice: The scores supplied have been correct on the time of writing.
*Notice (as of 4/4/24): The BBB just lately shifted LHG’s A+ score to “NR.” We reached out to a consultant from the BBB, which advised us, “This enterprise shouldn’t be at present rated. BBB has just lately acquired quite a few complaints in opposition to this enterprise and can concern a score after it has totally evaluated them.” When requested about whether or not they revoke scores after a rise in complaints, the rep mentioned, “Sure, in the event that they really feel they should evaluation the complaints first earlier than issuing an correct score.” This state of affairs has occurred to LHG twice within the final two years, however every time the BBB has restored its A+ score after a radical evaluation.
Claims Course of: 10/10
When Mississippi properties face the elevated put on and tear brought on by the state’s humid subtropical local weather, Liberty House Guard is there to avoid wasting the day. With a powerful 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 an incredible 10/10 score 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.
Prospects constantly reward Liberty’s clean 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 means of approval inside 48 hours. Liberty’s dedication to offering top-notch service once you’re dealing with adversity is actually exceptional, making it a game-changer for Mississippi householders in want of pressing help.
Availability: 10/10
Liberty House Guard is on the market in all 50 states, incomes it a stellar 10/10 score for availability. Mississippi householders could have fast entry to native, in-network contractors for repairs.
Greatest Protection Limits
American House Protect
4.3
Our Ranking
Restricted Time:
40% Off Our Most In style Plan
I respect 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, guaranteeing that Mississippi householders have entry to specialised restore assist for any distinctive wants their properties might have. I respect that AHS presents protection for rust, corrosion, and even preexisting situations, offering complete safety for properties within the Magnolia State. The corporate’s excessive protection caps of as much as $5,000 for house methods and $4,000 for home equipment give me peace of thoughts, figuring out 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 likely one of the few suppliers that provides roof leak safety, both as an add-on or included with its premium plan — notably helpful in Mississippi, the place heavy rainfall and extreme storms could cause vital water injury should you don’t seal small roof leaks quick.
Regardless of being the longest-running house guarantee supplier within the {industry}, American House Protect (AHS) has acquired a disproportionately excessive variety of unfavorable evaluations in comparison with its rivals. Within the final yr alone, AHS garnered over thrice the variety of complaints on the BBB than rivals like Choose House Guarantee and AFC House Membership. Moreover, the corporate earned sub-2-star scores on each Trustpilot and Yelp, indicating a scarcity of reputability.
Many unfavorable evaluations spotlight sluggish contractors, transparency points, sudden worth will increase, and delays in repairs for non-emergency issues. Some prospects additionally categorical concern in regards to the quick 30-day workmanship assure that AHS presents. Whereas it’s true that individuals are extra prone to share unfavorable experiences on-line than impartial or optimistic ones, the constantly low scores throughout a number of platforms increase a purple 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 House Protect (AHS) leads rivals with beneficiant protection caps of as much as $5,000 for methods and $4,000 for home equipment, surpassing suppliers like Liberty House Guard with $2,000 limits. This in depth safety brings confidence to Mississippians who personal high-end home equipment and methods. One other notable benefit of AHS is its protection of preexisting defects, rust, and corrosion, not like many different suppliers, which I discover fairly priceless. Moreover, its expansive contractor community permits broad, respected help throughout Mississippi.
Whereas quoting and procuring on-line with AHS was simple throughout my secret procuring, I discovered some downsides. For instance, some reviewers confronted prolonged restore delays, and AHS’s 30-day workmanship assure falls wanting rivals like Elite House Guarantee, which presents a 90-day assure. Moreover, AHS’s lower-tier plans don’t cowl as many home equipment and methods 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 House Protect truthful marks of 8.6/10 total.
Plans and Protection: 9/10
American House Protect has three plan choices for Mississippi properties: ShieldSilver for main methods, 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 advanced or growing older methods 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 prospects to decide on between decrease month-to-month premiums or larger service charges based mostly on their finances and desires. Throughout my secret procuring, a consultant supplied a 20% low cost for signing up the identical day, so it’s value conserving an eye fixed out (and asking) for reductions and promotional charges. For its plans and protection, notably the excellent ShieldPlatinum plan, I give AHS a robust 9/10 score.
| Plan | Month-to-month Value | Service Price* | 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) |
*For those who select the decrease service payment 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 payment.
Editor’s Notice: The associated fee knowledge talked about on this article was sourced for a single-family, two-bedroom house underneath 5,000 sq. ft in Jackson, MS. The associated fee knowledge introduced was correct on the time of writing.
Accessible Add-Ons
Though I discover American House Protect’s six add-on choices missing, I do respect the septic pump and nicely pump protection as I stay 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 methods or home equipment
- Basis or structural injury
- Improper set up, improper wiring, or injury brought on by development exercise
- Producer’s defect
- Misuse or human error
- Malfunction or injury as a result of pure disasters
- Neglect, rust, corrosion, or sediment
- Removing of hazardous supplies corresponding to asbestos, lead, or different poisonous supplies
Editor’s Notice: Whereas this text highlights sure exclusions, it’s crucial for readers to evaluation their contracts because the talked about exclusions aren’t exhaustive, and extra exclusions might apply.
Affordability: 8.7/10
Whereas American House Protect fees month-to-month premiums and repair charges which might be a bit larger than these of some rivals, with these larger prices come higher protections that different, cheaper plans don’t supply. For example, Mississippi householders can rise up to $5,000 for HVAC methods and $3,000 in protection for swimming pools — two to 3 instances greater than what most house guarantee corporations, like Liberty House Guard, present. Equipment and residential system repairs or replacements can rapidly climb into the a number of hundreds with out satisfactory protection, particularly given Mississippi’s humid subtropical local weather, which may result in extra put on and tear on important methods and home equipment.
American House Protect earns an 8.7/10 score from me for affordability, primarily due to its excessive protection caps get monetary savings long run regardless of barely larger up-front month-to-month prices and repair charges. For Mississippians with high-end methods, the peace of thoughts and additional safety supplied by AHS’s larger protection limits could make the marginally pricier charges worthwhile. So, whereas American House Protect might not be probably 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 methods that might be pricey to restore or exchange with out satisfactory protection.
Buyer Expertise: 8.4/10
Regardless of being an {industry} chief, I discovered quite a few complaints about American House Protect’s unreturned calls and messages, which is regarding when Mississippi householders want help, particularly throughout an AC breakdown on a sweltering summer time day. Nonetheless, AHS does supply some benefits, corresponding to assigning every buyer an account supervisor and offering a number of contact strategies. This accessibility will help you get higher communication from particular person reps and demonstrates a dedication to responsiveness.
On the optimistic aspect, throughout my secret procuring, I discovered American House Protect’s web site to be user-friendly when acquiring quotes and evaluating pricing for various plans. Its customary 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 House Protect a good 8.4/10 score for its buyer expertise, contemplating the communication issues.
Firm Fame: 7.7/10
On a optimistic be aware, American House Protect makes submitting claims simple with 24/7 help on-line and by cellphone, which is essential for Mississippi householders dealing with pressing points like air conditioner breakdowns throughout the state’s sweltering summers or water heater failures when it is advisable to take a scorching bathe. When you submit a declare, you’ll be able to conveniently monitor its standing and restore historical past by means of your on-line account dashboard, providing you with ongoing visibility into the method. This ease of submitting claims and monitoring progress is a particular enhance to its status.
Nonetheless, I give American House Protect a good 7.7/10 score for its blended buyer suggestions, as the corporate’s low scores on Trustpilot and Yelp concern me. Many reviewers categorical frustration about delayed service, unexplained declare denials, and unresponsive customer support, that are notably worrisome points for Mississippians needing immediate help with important system breakdowns. That mentioned, it’s essential to notice that some unfavorable suggestions seems to stem from misunderstandings over the contract, highlighting the significance of completely studying the coverage earlier than signing up. Plus, it holds a robust 4.5/5 score on Google evaluations, with a number of thousand extra evaluations in whole than Trustpilot and Yelp mixed.
| Ranking Website | 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 Notice: The scores supplied have been correct on the time of writing.
Claims Course of: 8.4/10
American House Protect’s 24/7 customer support and user-friendly on-line claims course of deliver peace of thoughts to Mississippi householders, particularly for emergency points. When you file a declare on-line or through cellphone, you’ll be able to simply monitor its standing and consider your private home’s restore historical past by means of your on-line account, offering transparency and lowering stress (and questions) all through the method. Whereas some evaluations 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 robust 8.4/10 score from me for its claims course of.
Availability: 10/10
Since American House Protect presents its plans to householders in each state besides Alaska, it will get a ten/10 score from me. Due to its long-standing community of high quality contractors nationwide, you’ll be able to depend on them for swift repairs in your Mississippi house.
Greatest Worth
Choose House Guarantee
4.2
Our Ranking
Restricted Time:
$150 Off (Code HOUSE25)
I like Choose House Guarantee’s competitively low service payment of simply $75, which is the quantity you pay for every restore go to. This, coupled with its reasonably priced month-to-month premiums starting from $44 to $48 (with its common reductions), makes Choose a pretty choice for budget-conscious Mississippi householders. What actually units SHW other than its rivals is the inclusion of restricted roof leak protection in all its plans. Many house guarantee corporations fully exclude this safety or supply 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 payment to the house owner. This priceless inclusion, together with the corporate’s low month-to-month prices and affordable service charges, are some things I like most about Choose House Guarantee.
Though Choose House Guarantee presents budget-friendly plans, it falls quick for me with its few customization choices. With solely 9 add-ons obtainable, Choose lags behind {industry} leaders like Liberty House Guard and Elite House Guarantee, which offer 40-plus and 26 decisions, respectively. This lack of customization may very well be an issue for Mississippi householders with distinctive house methods or home equipment that require particular protection. I additionally dislike that Choose prohibits householders from selecting their most well-liked contractors for repairs, as this restriction takes away the management over who works on your private home’s methods and home equipment.
One other facet I don’t respect is Choose’s coverage of excluding preexisting defects. For those who’re unaware of hidden points earlier than enrolling, you threat having claims denied later. To keep away from this, Mississippi residents must completely examine their properties and guarantee all the things is working correctly earlier than signing up. Moreover, the corporate’s strict $75 contract cancellation payment appears to prioritize its personal pursuits over the pliability of householders within the state.
Backside Line: 8.4/10
Choose House 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 lots of its rivals, together with American House Protect and Liberty House Guard. This affordability can result in notable long-term financial savings for cost-conscious Mississippi households. I respect that Choose presents protection caps as much as $3,000 for important objects like air con and HVAC methods, which is essential given Mississippi’s humid subtropical local weather that places extra put on and tear on these items. Nonetheless, it’s value noting that some suppliers, corresponding to Elite House Guarantee and American House Protect, supply even larger limits of $10,000 and $6,000, respectively.
As a home-owner, I give Choose House Guarantee a powerful 8.4/10 total score as a result of its simple Bronze Care, Gold Care, and Platinum Care plans that clearly cowl home equipment, methods, or a mix of each, making it simple to decide on the best choice on your wants. Choose House Guarantee gives peace of thoughts with out breaking the financial institution for residents with customary, extra reasonably priced home equipment and residential methods. However, these proudly owning extra pricey or specialised tools might wish to discover suppliers with larger protection limits and a wider vary of optionally available add-ons to raised swimsuit properties which have much less widespread methods and home equipment.
Plans and Protection: 8.3/10
In comparison with rivals with complicated packages and terminology, Choose House Guarantee’s clear strategy to house guarantee protection is a breath of contemporary air. It presents simple equipment, methods, and mixed plans that allow Mississippi householders to match and select the safety they require. Nonetheless, given the minimal $4 extra value for enhanced protection, I recommend the Platinum Care plan for nearly all Mississippians, because it covers each home equipment and methods.
Throughout my secret procuring, I used to be supplied some respectable reductions, together with two free months and $150 off the annual worth, showcasing Choose’s dedication to affordability. I additionally acquired extra time-sensitive reductions by means of textual content messages from Choose just a few weeks after I obtained my preliminary quote. Nonetheless, Choose’s $3,000 protection limits might not be sufficient for properties with high-end home equipment or methods (American House Protect and Elite House 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 House Guarantee a good 8.3/10 score for offering reasonably priced, no-nonsense safety that caters to the important wants of most Mississippi householders.
| Plan | Month-to-month Value* | Service Price | 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 embody the discounted price supplied at time of writing, $16 off month-to-month pricing. Choose House Guarantee has been working this promotion because the starting of this yr.
Editor’s Notice: The associated fee knowledge talked about on this article was sourced for a single-family, two-bedroom house underneath 5,000 sq. ft in Jackson, MS. The associated fee knowledge introduced was correct on the time of writing.
Accessible Add-Ons
Choose House Guarantee presents the next optionally available add-ons to its plans. For Mississippians with swimming pools and spas, I respect the reasonably priced add-on protection to guard these costly methods.
- 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 customary plan exclusions:
- Frequent areas in condominiums or multifamily properties
- Harm from pure disasters and rust
- Defects or damages brought on by the inspiration and construction of the house
- Incorrect set up or malfunctions as a result of development injury or improper wiring
- Points with methods or home equipment associated to hazardous or poisonous supplies (for instance mould, asbestos, and gasoline leaks)
- Secondary injury (i.e., your private home guarantee might cowl roof injury however gained’t cowl water injury brought on by a roof leak)
- Photo voltaic heating methods
Editor’s Notice: Whereas this text highlights sure exclusions, it’s crucial for readers to evaluation their contracts because the talked about exclusions aren’t exhaustive, and extra exclusions might apply.
Affordability: 9.1/10
Choose House 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 House Protect. These decrease charges imply repairs gained’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, methods, or each with out the yearly worth will increase that rivals usually implement.
With month-to-month premiums of round $40 after Choose’s customary $16 low cost, Choose presents plans which might be $10 to $20 cheaper than the {industry} common. Whereas Choose’s $2,000-per-appliance protection restrict might not swimsuit each house owner, it’s lots for many properties with customary items. Total, I give Choose House Guarantee a powerful 9.1/10 score for its affordability, aggressive pricing, decrease service charges, and satisfactory protection limits, making it a best choice for budget-conscious residents within the Magnolia State.
Buyer Expertise: 8.1/10
Choose House Guarantee’s web site clearly outlines obtainable plans, pricing particulars, protection specifics, and add-ons in plain language, making it simple 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 prospects with extreme follow-ups or aggressive gross sales ways. This dedication to clear quotes and easy contracts is a refreshing change, permitting householders to rigorously think about 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 House Guarantee a commendable 8.1/10 score from me for buyer expertise.
Firm Fame: 8.0/10
Choose House Guarantee’s status amongst earlier and present prospects is mediocre. Its on-line suggestions on platforms like Trustpilot and Google has each reward for useful customer support, simple 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 a good B, contributing to its total blended status. That mentioned, dissatisfied prospects usually shout louder than happy 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 it is best to think about together with potential points like low reimbursements alongside Choose’s reasonably priced pricing. Because of its blended status, I give Choose House Guarantee a good 8/10 score.
| Ranking Website | 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 Notice: The scores supplied have been correct on the time of writing.
Claims Course of: 7.6/10
Whereas Choose House 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 could be irritating when your garments washer fails proper earlier than laundry day. Ready two full days for repairs might imply you’ll haven’t any clear garments for work or college. This earns the corporate a good 7.6/10 score from me for its claims course of.
On a optimistic be aware, I respect Choose House Guarantee’s simple claims course of. Mississippi householders 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 impression your well being or result in extra house injury.
Availability: 10/10
Choose House Guarantee presents its plans in all 50 states, incomes it an ideal 10/10 rating. With its vast community of contractors, you’ll be able to depend on quick, high quality repairs when your Mississippi house wants them.
Greatest Buyer Rankings
Elite House Guarantee
4.3
Our Ranking
Restricted Time:
$150 Off + 1 Month Free
I respect Elite House Guarantee’s dedication to buyer satisfaction, as evidenced by its constantly excessive scores of 4.5 to five stars on trusted evaluation websites like Google, Yelp, the BBB, and Trustpilot, which exceeds the 2- and 3-star scores which might be typical of house guarantee suppliers. This reward is a testomony to Elite’s capacity to ship top-notch service and promptly settle claims for its householders. Furthermore, I’m impressed by Elite’s in depth array of 26 customization choices, permitting Mississippi householders 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 House Guarantee voids its workmanship ensures should you select to make use of your individual trusted technician. As somebody who prefers utilizing contractors I belief and know who will do job, I consider this restriction limits flexibility and could be irritating for Mississippi householders. Moreover, I’m disenchanted that Elite doesn’t cowl emergency repairs with out charging a further $150 payment, which appears unacceptable from an organization that prides itself on customer support, particularly when important methods like air conditioners fail throughout Mississippi’s humid summers. This might result in some budget-strapped householders struggling for just a few 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 may very well be a dealbreaker for individuals who’ve invested in a lot of these home equipment. Masking 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 optionally available add-ons.
Backside Line: 8.6/10
Elite House Guarantee stands above all different house guarantee suppliers with its industry-leading protection limits. Its protection caps are $10,000 for house methods and $6,000 for home equipment. In comparison with the $2,000 to $3,000 caps most rivals sometimes supply, Mississippi householders gained’t have to fret about exceeding these limits and paying any additional money out-of-pocket for alternative methods or home equipment, even when they personal high-end tools. I strongly advocate Elite’s Full plan to all householders because it contains equipment and system protection for one of the best bang on your buck. Moreover, Elite excels with a powerful 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 shouldn’t be providing emergency repairs outdoors of regular enterprise hours with out additional charges. You probably have an emergency, like a damaged water heater or an AC unit that gained’t activate within the 103ºF summer time warmth, at night time, or throughout the weekend, it’s essential to pay a $150 emergency payment. With these drawbacks thought-about, I give Elite House Guarantee a good 8.6/10 score for its complete protection and adaptability. All in all, if it is advisable to defend your high-end house methods and home equipment and don’t need any fear about exceeding the protection limits, Elite House Guarantee is my prime advice for Mississippi householders.
Plans and Protection: 10/10
Like different house guarantee suppliers, Elite House Guarantee presents three plans, an appliance-only, system-only, and a mixed protection plan. For Mississippians looking for probably the most complete safety, I like to recommend the Elite Full plan. It bundles each equipment and system protection for less than a barely larger worth. Throughout my secret procuring, a customer support consultant supplied me a 30-day free trial and a $150 low cost for enrolling by cellphone. These reductions make it much more interesting from a value standpoint.
Elite’s industry-leading protection caps are what actually units it other than different house guarantee corporations, simply incomes an ideal score for its plans and protection. Its equipment protection restrict is $6,000 per declare, and its methods protection restrict is $10,000. These caps are two to 3 instances higher than these of most different suppliers, together with {industry} leaders like Liberty House Guard and American House Protect. These excessive limits will probably stop any out-of-pocket bills for restore/alternative protection for any Mississippi house owner.
| Plan | Month-to-month Value | Service Price | Accessible Reductions |
| Elite Equipment | $48.99 | $100 | $150 sign-up (cellphone), 30-day trial (cellphone) |
| Elite Techniques | $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 Notice: The associated fee knowledge talked about on this article was sourced for a single-family, two-bedroom house underneath 5,000 sq. ft in Jackson, MS. The associated fee knowledge introduced was correct on the time of writing.
Accessible Add-Ons
Elite presents an unimaginable 26 optionally available add-ons for Mississippi householders. I like its optionally available protection for annual HVAC upkeep. Accessible add-ons embody:
- 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/scorching Tub: $99.99/yr
- Garden Sprinkler System: $99.99/yr
- Raise 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 methods: $299.99/yr
- Premium methods 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 House Guarantee has the next industry-standard exclusions to its plans:
- An absence of upkeep
- Acts of God
- Industrial-grade home equipment
- Beauty injury
- Pure disaster-related damages
- Items in a rental property
Editor’s Notice: Whereas this text highlights sure exclusions, it’s crucial for readers to evaluation their contracts because the talked about exclusions aren’t exhaustive, and extra exclusions might apply.
Affordability: 8.7/10
Whereas base Elite House Guarantee pricing for its three plans appears to be like aggressive up entrance, with month-to-month charges typically between $45 and $60, there are some hidden charges that it is best to learn about. Service for premium-grade home equipment carries a further $150 per go to payment and weekend and after-hours emergency repairs have a $150 payment. Most add-ons value barely greater than common, starting from $15 to $20 monthly. Its $100 service name payment is according to different suppliers like American House Protect and Choose House Guarantee.
Throughout my secret procuring, I spoke with two customer support reps about pricing. Each reps have been obscure and never nicely educated about Elite’s add-on charges, which I additionally had issue discovering on its web site. This lack of information and communication about add-on charges can stop Mississippi householders from precisely evaluating plans and budgeting for a brand new plan. One plus is Elite’s 30-day trial interval, letting householders check drive Elite’s service earlier than 100% committing to them. Contemplating these professionals and cons, I give Elite House Guarantee’s affordability a robust 8.7/10 score.
Buyer Expertise: 7.6/10
Regardless of lots of of buyer evaluations from respected websites, together with the BBB, Trustpilot, and Google, Elite House 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 householders should name in for any worth estimates. On prime of that, its add-on charges are additionally onerous to seek out, buried deep within the web site, and solely listed as a yearly worth. This hidden pricing makes correct month-to-month budgeting a problem and creates pointless friction within the comparison-shopping course of. Having so many optimistic evaluations (out of almost 1,000) exhibits that the majority householders respect 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 fees related to plan add-ons or have been deliberately obscure in regards to the prices. Both method, that is regarding and irritating to me and earns Elite a good 7.6/10 score.
Firm Fame: 8.3/10
Elite House Guarantee is the latest participant within the house guarantee {industry}, however has already earned a stellar A+ score and accreditation with the BBB. The sturdy score 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 evaluations on the BBB, Google, Trustpilot, and Yelp (in comparison with different suppliers with a number of to tens of hundreds of scores), the obtainable suggestions is overwhelmingly optimistic.
Reviewers like EHW’s swift claims dealing with, reasonably priced pricing, high quality repairs, pleasant customer support, and distinctive follow-ups. The only a few unfavorable evaluations point out lengthier ready durations than what’s marketed and communication delays. Nonetheless, these look like remoted circumstances. Contemplating Elite’s A+ BBB score and its 4.7+/5 star score on 4 trusted evaluation platforms, I give it 8.3/10 for its status. The one factor holding me again from a better score is its small evaluation pattern dimension.
| Ranking Website | 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 Notice: The scores supplied have been correct on the time of writing.
Claims Course of: 6.8/10
I like that Elite House Guarantee permits 24/7 claims submitting on-line or by cellphone, which is now the {industry}’s customary observe. You probably have a non-emergency declare, Elite’s 24- to 48-hour response time mirrors prime rivals. Whereas acceptable, this timeframe is not any higher than the {industry} common. Elite encourages prospects to submit claims as quickly as a problem arises, and they’re going to then authorize you to seek out your individual technician or schedule somebody from their contractor community. Simply take into account that utilizing an out-of-network contractor voids Elite’s workmanship assure.
One downside I discovered after studying by means of a pattern contract is Elite House Guarantee’s coverage of charging an additional $150 payment for after-hours emergency protection. This observe 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 House Guarantee lacks dependability throughout these important conditions and as an alternative income from households in want of help. Given this strategy 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 House Guarantee presents its plans to householders in 46 U.S. states, with no protection in California, Texas, Washington, and Wisconsin. With its reliable community of contractors in Mississippi, householders can depend on quick, high quality repairs when system and equipment break-downs happen.
Greatest for Further Advantages
AFC House Guarantee
4.3
Our Ranking
Restricted Time:
$200 off + free roof leak protection
I respect the particular perks that AFC House Guarantee presents, ones that stretch past the usual protection for home equipment and methods. AFC stands forward of different suppliers by bundling unusual optionally available coverages like discounted house safety, medical care, credit score monitoring, and insurance coverage financial savings with sturdy core safety plans. I’m impressed by the corporate’s predominantly optimistic buyer evaluations, 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 House Guarantee’s variable protection limits, with some home equipment and methods having caps as much as $3,000 whereas others solely supply between $150 and $1,000 in safety. Householders should evaluation every merchandise’s protection particulars meticulously to keep away from sudden 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 scorching, 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
Primarily based on my expertise and analysis, I give AFC House Guarantee a powerful 8.5/10 score for its user-friendly web site, customizable plans with versatile service charges, and distinctive membership perks. These set it other than different Mississippi house guarantee corporations. AFC’s BBB grade of A+ and constantly optimistic buyer evaluations for seamless claims and educated technicians additional solidify its place as one in every of my prime 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 householders with high-end home equipment and residential methods.
For householders contemplating AFC House Guarantee, I like to recommend the Diamond Plan. It bundles house methods, home equipment, restricted roof leaks, electronics, and extra underneath one complete and reasonably priced bundle. Whereas the plan has limitations in emergency companies and protection caps, it fits the wants of most Mississippi householders looking for broad safety. AFC strives to ship well timed, high-quality service for sudden breakdowns by guaranteeing repairs inside 48 hours and providing a lifetime workmanship assure — unmatched within the {industry}. AFC House Guarantee presents a compelling mixture of versatile plans, perks, and dependable service that make it a robust supplier for Mississippi householders, regardless of just a few drawbacks like variable protection caps.
Plans and Protection: 8.1/10
AFC House Guarantee’s distinctive Diamond Plan stands out to me as your best option for Mississippi householders. This complete plan covers house methods, home equipment, electronics, exterior traces, and distinctive extras like roof leaks. It additionally presents safety for private digital gadgets, corresponding to smartphones, tablets, and residential workplace tools. This can be a uncommon perk and one which individuals who work at home will respect.
Throughout my secret procuring, I found engaging 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 sturdy, 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 methods like electrical, plumbing, and HVAC. The Platinum Plan expands protection to 18 home equipment/methods, together with microwaves and in-fridge ice makers. For its protection and plan selection, digital machine safety, and different distinctive perks, I price AFC House Guarantee a good 8.1 out of 10.
| Plan | Month-to-month Value | Service Price* | 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 |
*For those who select the decrease service payment 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 payment.
Editor’s Notice: The associated fee knowledge talked about on this article was sourced for a single-family, two-bedroom house underneath 5,000 sq. ft in Jackson, MS. The associated fee knowledge introduced was correct on the time of writing.
Accessible Add-Ons
AFC House Guarantee presents the under optionally available add-ons to its plans. Personally, I respect 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 here are this supplier’s exclusions:
- Crane leases wanted to maneuver home equipment or methods
- Geothermal heating methods
- Haul-away companies
- Lighting fixtures
- Malfunction or injury brought on by acts of God
- Code violations
- Home equipment and methods not correctly maintained
Editor’s Notice: Whereas this text highlights sure exclusions, it’s crucial for readers to evaluation their contracts because the talked about exclusions aren’t exhaustive, and extra exclusions might apply.
Affordability: 9.1/10
AFC House Guarantee impresses me with its affordability and adaptability — its plans cater to a variety of properties and budgets. AFC’s plans begin at underneath $40 monthly for important equipment or system protection. The great Diamond Plan stays competitively priced at about $100 monthly, regardless of together with distinctive options like electronics and exterior sewer line protection that different suppliers normally don’t defend. I like that AFC lets householders customise plans by selecting per-service-call charges of $75, $100, or $125. It permits householders to stability larger deductibles in opposition to decrease month-to-month premiums.
Nonetheless, earlier than you comply with a coverage from AFC House Guarantee, I strongly advise reviewing a pattern contract. Whereas it advertises $3,000 protection limits for house methods and home equipment, sure objects, corresponding 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, optionally available add-ons can accumulate rapidly and hike your month-to-month value. Most add-ons exceed $15 a month in worth.
Regardless of these shortcomings, AFC’s affordability, flexibility, and selectable service name charges make it a robust contender for Mississippi residents looking for customizable house guarantee safety that matches their budgets and residential restore issues.
Buyer Expertise: 9.2/10
After exploring AFC House Guarantee’s web site, getting quotes, and speaking with customer support reps, I’m completely impressed and provides the corporate an amazing 9.2/10 rating for my buyer expertise score. AFC’s hands-off gross sales strategy and 24/7 availability show extremely handy for emergency points which will come up in a single day or on weekends. Moreover, buyer evaluations reward AFC’s nice communication {and professional} technicians throughout repairs — two essential components that contribute to a optimistic house guarantee in my guide.
AFC’s user-friendly web site organizes all its plans, protection tiers, and optionally available add-ons in a single display with pricing and repair name charges (which you’ll be able to toggle for larger or decrease month-to-month premiums). This interface makes it simple for Mississippi residents to customise plans to raised align them with their budgets and residential restore issues. Not like most suppliers with only a obscure pattern contract, AFC gives pattern agreements that present protection specifics for every plan. This simplifies the procuring course of and helps you make one of the best resolution on your new house guarantee.
Firm Fame: 8.3/10
AFC earns a strong 8.3/10 status score from me for its 3 to three.7 scores on Google and Trustpilot. For probably the most half, AFC House Guarantee stands aside amongst house guarantee suppliers in Mississippi, outshining main rivals mired in disappointing 2-star scores. Regardless of working for almost 15 years and sustaining a BBB accreditation since 2015, AFC garners fewer evaluations than its prime rivals. Nonetheless, many shoppers laud AFC’s glorious service, immediate contractor dispatch, simple claims course of, and truthful reimbursements for obligatory repairs, reflecting the corporate’s dedication to Mississippi householders.
Whereas some unfavorable evaluations 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, guaranteeing buyer satisfaction. Though extra on-line suggestions would profit AFC, its present scores and accountability display its dedication to offering high quality service to householders within the Magnolia State, with many praising its clean operations and truthful reimbursements.
| Ranking Website | 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 Notice: The scores supplied have been correct on the time of writing.
Claims Course of: 6.8/10
AFC House Guarantee receives a subpar 6.8/10 score for its Mississippi claims course of. Whereas it presents a life-of-contract workmanship assure, which shields householders from paying extra for repeat repairs on the identical system or equipment element, the corporate lacks 24/7 emergency restore choices. This can be a huge downside. Nobody desires an equipment or system drawback to show into an emergency.
AFC is often responsive and has an ordinary response time of 24 to 48 hours. Nonetheless, the dearth of emergency help throughout nights, weekends, and holidays brings down its score. Potential prospects ought to think about this shortcoming earlier than enrolling.
Availability: 10/10
AFC House Guarantee companies 48 states, incomes it a ten/10 score. It lacks protection in California and Hawaii. For Mississippi properties, AFC has a robust native community of skilled contractors who present high quality repairs to home equipment and essential house methods.
Calculate the Value of Mississippi House Guarantee
Use our calculator under to estimate the price of a brand new house guarantee plan. Simply sort in your month-to-month premium, service name payment, and the variety of service/restore visits you count on in a yr. Our device will then present the complete estimated annual value of a plan on your Mississippi house.
| Equipment | Common Restore Value | Common Alternative 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 |
| Gasoline 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 House Guarantee Laws
In Mississippi, house warranties aren’t thought-about insurance coverage contracts however somewhat service contracts, topic to the Mississippi Shopper Safety Act. Nonetheless, the house guarantee {industry} shouldn’t be well-regulated within the state, making it essential for householders to completely evaluation protection plans, superb print, and buyer evaluations 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 House 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 performing in dangerous religion, they’ll file a grievance with the state lawyer common’s workplace. Moreover, the NHSCA will help expedite client complaints by instantly contacting the supplier’s higher administration. To additional defend themselves, householders 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 Notice: Whereas this text highlights sure laws, it’s important for readers to do their very own analysis, because the talked about laws aren’t exhaustive.
Often Requested Questions
Do You Want a House Guarantee in Mississippi?
With Mississippi’s scorching, humid summers and higher-than-average rainfall including extra put on and tear to house methods and home equipment, a house guarantee can present priceless safety in opposition to sudden restore prices. The choice in the end will depend on your particular house, finances, and threat tolerance.
How A lot Does a House 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 impression pricing, try our article on how a lot a house guarantee prices.
How To Save Cash When Looking for House Warranties In Mississippi?
To get one of the best 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, corresponding to multi-year contracts and waived service charges.
Is a House Guarantee Price It for Mississippi Householders?
A house guarantee is value it for Mississippi householders as a result of it could possibly present peace of thoughts and safety in opposition to sudden restore prices, which could be particularly useful for these with older properties or restricted financial savings. To study extra in regards to the professionals and cons of house warranties and whether or not one may be best for you, learn our in-depth article on the subject.