Written By David Cusick
Last Updated April 2024
Being a homeowner in Ridgeland is an excellent option for those who like nature and quiet neighborhoods. However, as great as Ridgeland is, homeownership always comes with its fair share of headaches, such as trying to pay for your appliance repairs yourself. A home warranty plan can help protect homebuyers and current homeowners by cutting the costs of major repairs and replacements on your home’s most important systems and appliances.
The home warranty market is saturated with many providers — all with different price points — so the Today's Homeowner team has compiled this guide to help you find the best home warranty companies in Ridgeland.
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
In Ridgeland, Liberty Home Guard is the most trustworthy home warranty. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 simple plans, making the selection process and policy coverage easily comprehensible.
Liberty Home Guard offers 3 plans for Ridgeland 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.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. For a more detailed breakdown, read our full review of Liberty Home Guard.
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
In Ridgeland, Choice Home Warranty is the best overall home warranty. With a home warranty from Choice, you can enjoy very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 simple plans, making the selection process and policy coverage easily comprehensible.
Choice Home Warranty offers 2 plans for Ridgeland 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.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For a more detailed breakdown, read our full review of Choice Home Warranty.
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
In Ridgeland, Select Home Warranty is the most cost-effective home warranty. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 simple plans, making the selection process and policy coverage easily comprehensible.
Select Home Warranty offers 3 plans for Ridgeland 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.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. For a more detailed breakdown, read our full review of Select Home Warranty.
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
In Ridgeland, American Home Shield is the most customizable home warranty. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 simple plans, making the selection process and policy coverage easily comprehensible.
American Home Shield offers 3 plans for Ridgeland 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.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. For a more detailed breakdown, read our full review of American Home Shield.
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
In Ridgeland, First American Home Warranty is the best home warranty for appliance coverage. With a home warranty from First American, you can enjoy very affordable and comprehensive appliance coverage. Not to mention, 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. First American has 2 simple plans, making the selection process and policy coverage easily comprehensible.
First American Home Warranty offers 2 plans for Ridgeland 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.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. For a more detailed breakdown, read our full review of First American Home Warranty.
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
In Ridgeland, Cinch Home Services is the home warranty with the best workmanship guarantee. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process and policy coverage easily comprehensible.
Cinch Home Services offers 3 plans for Ridgeland 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.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For a more detailed breakdown, read our full review of Cinch Home Services.
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
In Ridgeland, The Home Service Club is the best home warranty with the quickest service. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 simple plans, making the selection process and policy coverage easily comprehensible.
The Home Service Club offers 2 plans for Ridgeland 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.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. For a more detailed breakdown, read our full review of The Home Service Club.
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 | $6,225 |
Heating | $4,150 |
Electrical | $622 |
Toilets | $519 |
Washer/Dryer | $830 |
Plumbing | $622 |
Oven | $1,660 |
Fridge | $622 |
A home warranty is a protection policy that assists Ridgeland homeowners lower the costs of appliance and system repairs. The plans provide coverage to repair or replace appliances and systems that stop working due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners peace of mind, as it helps avoid expensive emergency repairs. The coverage is particularly helpful for those living in older houses or houses with systems near the end of their life span. However, homeowners with newer homes and modern appliances might not need a home warranty.
Home warranties protect many household systems and appliances. Common covered appliances are dishwashers, washers, microwaves, dryers, garbage disposals, refrigerators, and more. Protected systems include heating, electrical, air conditioning, and plumbing. Various home warranty plans offer add-on coverage for septic systems, central vacuums, roof leaks, and even locksmiths. Most home warranty plans require Ridgeland homeowners to refrain from making claims for 30 days before they can use the policy to pay for repairs. Moreover, policies normally only cover repairs and replacements due to normal wear and tear. Home warranties don't cover natural disasters, cosmetic issues, pre-existing conditions, or misusing a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Home warranty contracts use several terms that you'll want to understand before signing, such as:
There are several important factors to consider when choosing a home warranty provider:
Home warranty plans differ significantly in terms of coverage. Most plans provide protection for plumbing, electrical, AC, heating, and appliances. More inclusive options also extend protection to other items such as pools, roof leaks, spas, and well pumps. Look for providers with an assortment of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for your home’s needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which is paid per service call made. These per-claim charges can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some companies also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty provider's reputation provides insights into factors such as contractor expertise, repair speed, claim approval rates, and customer satisfaction. Look at review sites like TrustPilot, the Better Business Bureau (BBB), or Google Reviews to learn more about providers. Good reviews and ratings suggest a company known for delivering quality service.
Home warranty providers keep networks of professionals to handle covered repairs. Bigger networks raise the probability of getting qualified technicians to promptly service your home. Contact potential providers to find out how many contractors they have in Ridgeland to get a sense of how soon your repairs could be handled in an emergency.
Some home warranty companies include perks such as reduced maintenance fees, energy efficiency upgrades, and smart home device coverage. These can offer extra value beyond just repair coverage. Extra bonuses help you enhance your home and get the most from your home warranty.
Temperatures in Ridgeland can get quite high in the summer, which means your air conditioner is likely to get a lot of use. As a homeowner in Ridgeland, one of the benefits of having a home warranty is that these home systems and major appliances can be covered in the event they have to be repaired or replaced.
In addition, having a home warranty can save you time by removing the need to research repair people — most companies will send a trusted professional right to your door to complete the necessary repair or replacement. Additionally, though it varies by company, some providers will let you transfer your warranty if you sell your home. This can make your home more attractive to potential homebuyers and help your home sell faster.
Home warranties also have some drawbacks. Although it can give you less to worry about since the home warranty sends out a repair technician who does the repair for you, some may not like this, and they would rather choose a contractor themselves. If that’s important to you, some home warranty plans let you select a contractor.
Another drawback is that home warranties may not include some repairs, such as those needed because of natural disasters. For example, if your HVAC system is damaged from an animal infestation, the affected systems and appliances probably won’t be covered by the home warranty.
A home warranty plan costs, on average, about $300 to $600 a year in Ridgeland. Our high-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 opting for a higher service fee. Additionally, it's often cheaper 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 helps protect against normal wear and tear to systems and appliances in a home. Homeowners insurance protects your entire home in case of something such as a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim if you need a new refrigerator or dishwasher, unless the damage is a result of a natural disaster, which isn't that common in Ridgeland.
A home warranty can help homeowners, home sellers, investors, real estate agents, and homebuyers. It can offer peace of mind to anyone involved with homeownership.
The different kinds of home warranties in Ridgeland include plans that cover either appliances or systems as well as combination plans. A combination plan covers almost all your systems and appliances, including your dishwasher, washing machine, and HVAC. A plan that only covers appliances or systems will cover only the specific items mentioned in the contract.
Generally, a home warranty policy offers coverage for a year and can be renewed annually. Some providers may offer month-to-month plans.
Typically, the person who owns the home pays for the home warranty. In some cases, however, the home seller may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Since the average home value in Ridgeland is $260,238, a home warranty can be an added asset when buying a home.