Written By David Cusick
Last Updated February 2024
Owning a home in Bay St. Louis has tons of great benefits, but there are some negatives. Hot summers can cause problems in a home and lead to wear and tear on systems like your HVAC. A home warranty can bring you the peace of mind you need and protect your savings account from unexpected expenses by covering your home’s major systems and appliances.
Choosing the best home warranty on the market can be challenging because of the sheer number of options out there. If you're tired of trying to compare them all, keep reading for our guide to the top home warranty providers in Bay St. Louis.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty for Bay St. Louis residents. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, Liberty is the perfect provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage.
Liberty Home Guard offers 3 plans for Bay St. Louis homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also around $3,000 at the maximum.
For a more detailed breakdown, read our Liberty Home Guard Review. To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty is the best overall home warranty for Bay St. Louis residents. If you’re looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage.
Choice Home Warranty offers 2 plans for Bay St. Louis homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also around $3,000 at the maximum.
For a more detailed breakdown, read our Choice Home Warranty Review. To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty is the most cost-effective home warranty for Bay St. Louis residents. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, Select is the perfect provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage.
Select Home Warranty offers 3 plans for Bay St. Louis homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also around $2,000 at the maximum.
For a more detailed breakdown, read our Select Home Warranty Review. To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
American Home Shield is the most customizable home warranty for Bay St. Louis residents. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage.
American Home Shield offers 3 plans for Bay St. Louis homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also around $2,500 at the maximum.
For a more detailed breakdown, read our American Home Shield Review. To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty is the best home warranty for appliance coverage for Bay St. Louis residents. If you’re looking for very affordable and comprehensive appliance coverage, First American is the perfect provider for you. Plus, it has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage.
First American Home Warranty offers 2 plans for Bay St. Louis homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also around $1,500 at the maximum.
For a more detailed breakdown, read our First American Home Warranty Review. To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
Cinch Home Services is the home warranty with the best workmanship guarantee for Bay St. Louis residents. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage.
Cinch Home Services offers 3 plans for Bay St. Louis homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also around $1,000-$2,000 at the maximum.
For a more detailed breakdown, read our Cinch Home Services Review. To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club is the best home warranty with the quickest service for Bay St. Louis residents. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, HSC is the perfect provider for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage.
The Home Service Club offers 2 plans for Bay St. Louis homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also around $2,000 at the maximum.
For a more detailed breakdown, read our The Home Service Club Review. To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
Home Appliance | Repair Cost |
---|---|
Air Conditioner | $5,941 |
Heating | $3,961 |
Electrical | $594 |
Toilets | $495 |
Washer/Dryer | $792 |
Plumbing | $594 |
Oven | $1,584 |
Fridge | $594 |
A home warranty is a protection plan that helps cut costs for Bay St. Louis homeowners needing appliance and system repairs. These plans provide coverage to repair or swap out appliances and systems that break due to normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty plan gives homeowners peace of mind since it can help avoid expensive emergency repairs. They can be especially helpful for buyers of older homes or homes with systems near the end of their life span. However, newer homes with appliances and fixtures in good condition may not require a home warranty.
Home warranties cover your household systems and appliances. Warranties usually cover appliances such as garbage disposals, washers, dryers, microwaves, dishwashers, refrigerators, and others. Covered systems include electrical, air conditioning, plumbing, and heating. Many home warranty companies also provide additional coverage for roof leaks, septic systems, locksmiths, and central vacuums. Bay St. Louis homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. Additionally, most policies only cover repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or improperly using a system or appliance. You must keep up with preventative maintenance to help ensure your next repair or replacement is covered.
There are several home warranty terms to learn before signing an agreement, including:
There are several important factors to consider when choosing a home warranty provider:
Home warranties vary widely in terms of included coverage. Basic policies typically cover heating, electrical, plumbing, AC, and appliances, while more comprehensive options may also cover spas, roof leaks, pools, and well pumps. Look for a provider that offers robust coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific systems and needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which is paid per claim you submit. The costs from multiple fees can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some firms also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty company's reputation provides insight into things such as contractor quality, claim approval rates, timeliness of repairs, and overall customer satisfaction. Use third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Positive reviews and ratings indicate a provider known for stellar service.
Home warranty companies have networks of professionals that they use to tackle covered repairs. Larger networks raise the probability of getting skilled contractors to your home promptly. Reach out to possible providers to find out how many technicians they have in Bay St. Louis. This helps you understand how long repairs may take in an urgent situation.
Some home warranty plans provide bonuses such as maintenance discounts, energy efficiency upgrades, and smart home device protection. These can add value beyond repair coverage. Extra bonuses maximize the usefulness of your home warranty.
Temperatures in Bay St. Louis can get quite high in the summer, which means your air conditioner is most likely going to get a decent amount of use. As a homeowner in Bay St. Louis, one of the benefits of having a home warranty is that these home systems and major appliances can be covered if they have to be repaired or replaced.
Not only can a home warranty save you some money on repairs and replacements, it saves you time too. Instead of having to vet contractors yourself, home warranty companies do the work for you and send a contractor from their network right to your door when you need them. Another good thing about having a home warranty is when you’re selling your home, you can most likely transfer your home warranty policy to the new owners. This can make your home more attractive to potential homebuyers and help your home sell faster.
Home warranties also have some downsides. Though it can save you time when the home warranty sends out a repair person who handles the repair for you, some people may not like this, and they would prefer to choose their own contractor. If that’s important to you, some home warranty companies let you select a contractor.
Also, if you don’t maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty costs, on average, around $300 to $600 a year in Bay St. Louis. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by choosing a higher service fee. In addition, it's usually less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan protects against normal wear and tear to home systems and appliances. A homeowners insurance plan protects your entire home in case of a situation such as a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim should you need a new dryer or stove, unless the damage is a result of a natural disaster, which is somewhat common in Bay St. Louis.
A home warranty policy can help homebuyers, investors, homeowners, real estate agents, and home sellers. It can provide peace of mind and savings to anyone involved in homeownership.
A home warranty can cover your home’s systems, appliances, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be useful if you want to save some money.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan each year, and some offer month-to-month plans as well.
Usually, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be given to the new homeowner, who will pay the service fees when using the policy. In Bay St. Louis, where the median value of a home is $238,908, having the seller pay for the home warranty can be a good asset for your new home.