4 Best Home Warranty Companies in South Dakota of 2022
Whether you live in Sioux Falls, Sturgis, Rapid City or somewhere in between, enrolling in a home warranty policy can help you stay ahead of your home’s maintenance expenses. If you already enjoy the state’s low cost of living, home warranty coverage can further pad your wallet by limiting the repair and replacement costs of your most-used appliances and home systems.
We at the Home Media reviews team have thoroughly researched the top home warranty providers in the nation, narrowed them down to the best and produced the below recommendations for South Dakota homeowners.
Top 4 Home Warranty Companies in South Dakota
We evaluated each provider on affordability, base coverage options, add-on coverage, customer service experience, workmanship guarantee length and more. Here are our top picks for South Dakota home warranty coverage:
Compare the Best Home Warranty Companies in South Dakota
See how the best home warranty companies compare on key metrics.
*Range demonstrates the least expensive plan to the most expensive plan.
**A service fee is a one-time payment, usually of $65–$125, that covers the service you receive. You typically pay your service contractor directly.
We based the pricing information for each company in this article on a single-family home smaller than 5,000 square feet in Sturgis, S.D. Your quote may differ depending on the location of your home, its square footage and your coverage selections.
American Home Shield
American Home Shield (AHS) is our top recommendation due to its comprehensive policies, flexible service call fee model, generous coverage caps and 50-year legacy of industry experience.
3 Things To Know About American Home Shield
- No coverage caps on built-in systems: AHS does not place a coverage cap on repairs and replacements for major systems, such as your HVAC unit and electrical system.
- High coverage caps for appliances: The coverage cap on appliances depends on your plan selection. With ShieldGold, appliance coverage is limited to $3,000, while ShieldPlatinum raises that limit to $6,000.
- Included roof-leak coverage: AHS will cover roof-leak repairs up to $1,500 with the ShieldPlatinum Plan.
Plans and Coverage
American Home Shield offers three plan options. ShieldSilver covers home systems such as your ductwork, air conditioner and heating unit. ShieldGold covers all the same systems as ShieldSilver, plus five essential appliances. ShieldPlatinum covers all the items in the ShieldGold and ShieldSilver plans, plus roof-leak repairs.
AHS offers the following add-on coverage options:
- Electronics Protection Plan
- Guest unit up to 750 square feet
- Pool or spa
- Septic pump
- Well pump
Cost
AHS’s plans range from roughly $50–$95, depending on your plan and service call fee selection.
Get your quote: To request a personalized quote, fill out American Home Shield’s simple form or call 844-529-9298.
To learn more: American Home Shield review
Liberty Home Guard
Liberty Home Guard (LHG) was founded in 2017, which makes it the newest provider on this list. That said, Liberty Home Guard stands out for its affordable plan options, accessible customer service and extensive list of add-on options.
3 Things To Know About Liberty Home Guard
- 38 unique add-on options: Customers can add as many as 38 optional items to their plans. LHG extends optional coverage to uncommonly covered items, such as pest control, gutter cleaning and additional appliances.
- Live-chat customer service: The customer service phone line is open 24/7, and customers can also reach out to representatives through the live-chat feature built into the website.
- Variable service call fee: Liberty Home Guard will assign customers a service call fee depending on their plan selection, add-on options and home’s location.
Plans and Coverage
Liberty Home Guard offers three standard plan options. Appliance Guard covers items such as your refrigerator, laundry machine and dishwasher. Systems Guard covers your air conditioning, heating, ductwork and other built-in systems. Total Home Guard combines the coverage of both basic plans.
You can choose from the following add-on options Liberty Home Guard offers:
- Additional spa
- Carpet cleaning
- Casita guest unit
- Central vacuum
- Ejector pump
- Electronics protection
- Freestanding ice maker
- Generator
- Grinder pump
- Gutter cleaning
- In-fridge ice maker
- Instant hot water dispenser
- Lawn sprinkler system
- Lighting fixtures
- Limited roof leak
- Pest control
- Plumbing fixtures
- Pool and spa
- Pro-series clothes dryer
- Pro-series dishwasher
- Pro-series microwave
- Pro-series range/oven/cooktop
- Pro-series refrigerator
- Pro-series washing machines
- Re-key services
- Reverse osmosis water filter system
- Saltwater pool
- Second refrigerator
- Septic system pumping
- Stand-alone freezer
- Sump pump
- Swamp cooler
- Trash compactor
- Water dispenser water line
- Water softener
- Well pump
- Window washing/cleaning
- Wine cooler/fridge
Cost
Liberty Home Guard will assign a service call fee to your account based on your plan selection, location and add-on options. When we asked a representative from Liberty Home Guard for additional clarification, we were informed that customers could learn their assigned service call fee by speaking with a representative directly.
According to a representative, service fees will always fall between $65 and $125. LHG’s monthly fees range from $69.99 to $79.99.
Get your quote: To request a customized quote, fill out Liberty Home Guard’s quick form or call 866-452-9107.
To learn more: Liberty Home Guard review
America’s First Choice Home Club
America’s First Choice Home Club (AFC Home Club) stands out for its plan variety, service call fee flexibility and additional benefits, such as discounts and free credit-alert monitoring. Compared to other providers offering two or three plans at most, AFC Home Club offers four, including two combination plans.
3 Things To Know About America’s First Choice Home Club
- Diverse plan options: AFC Home Club offers two basic plans that cover appliances or built-in systems, plus two combination plans.
- Free benefits: AFC Home Club offers customers a free MoneyTips subscription, which offers financial tips, identity theft protection and credit monitoring. You can learn more about AFC Home Club’s benefits and perks on its website.
- Plan-length workmanship guarantee: AFC Home Club protects any repairs or replacements fulfilled by one of its approved technicians for your plan’s duration, which can be from one to three years.
Plans and Coverage
AFC Home Club offers four plans. Its two basic plans include the Silver Plan, which covers appliances only, and the Systems Plan, which covers systems only. The Gold Plan combines the Systems and Silver Plans into one package. The Platinum Plan takes the Gold Plan one step further by covering plumbing stoppages, faucets, ice makers and built-in microwaves.
Note that our online quote did not include coverage for ductwork, but when we spoke to an agent, they informed us that this resulted from a clerical error and that the provider includes ductwork coverage with all systems plans.
AFC Home Club offers additional coverage for the following items:
- Built-in microwave (included in Platinum Plan)
- Central vacuum
- Double oven
- Hot water dispenser
- Ice maker
- In-ground pool
- Septic system
- Stand-alone freezer
- Sump pump
- Tankless water heater
- Well pump
Cost
Customers can choose a service call fee between $75 and $125. Our quote estimated fees ranging from $34 to $58 per month, depending on your service call fee selection.
Get your quote: To request a personalized quote, call 877-755-1115 or use AFC Home Club’s online form.
To learn more: AFC Home Club review
Select Home Warranty
Select Home Warranty is a budget-friendly option for homeowners who want to maintain a strict monthly home warranty budget of less than $50. Select also stands out for its quick claims response time and roof-leak protection included with all plans.
3 Things To Know About Select Home Warranty
- Limited roof-leak protection: All plans include limited roof-leak coverage up to $400 per plan term.
- Plans less than $50: Select’s plans range from $41 to $46.
- Same-day response time: The provider states that it will respond to claims within 12 business hours.
Plans and Coverage
Select Home Warranty offers three plan options: Bronze Care, Gold Care and Platinum Care. Bronze Care covers appliances exclusively, and Gold Care covers systems exclusively. Platinum Care covers 12 built-in systems and appliances, your garage door opener and your ceiling fans.
Select Home Warranty’s add-on options include the following items:
- Central vacuum
- Lawn sprinkler system
- Pool
- Septic system
- Spa
- Stand-alone freezer
- Sump pump
- Well pump
Cost
Select Home Warranty charges a $75 service call fee each time you file a claim. The monthly fees range from $41 to $46.
Get your quote: To request a free quote, call 888-370-3956 or fill out Select Home Warranty’s form.
To learn more: Select Home Warranty review
The Bottom Line: Which is the Best Home Warranty Company in South Dakota?
We’ve vetted all the companies on this list against our in-house standards, considering qualities such as affordability, brand reputation and coverage options. With that in mind, the best South Dakota home warranty plan providers include American Home Shield, AFC Home Club and Liberty Home Guard.
American Home Shield offers roof-leak protection and comprehensive policies with generous coverage caps. If you want options, AFC Home Club offers more plans than any other provider on this list. Liberty Home Guard is another great choice if you need extensive add-on coverage.
We recommend requesting a personalized quote from at least three providers, reviewing their service agreements carefully, and talking to a representative directly if you have questions.
Methodology: Our System for Ranking the Best Home Warranty Companies
Our consumers rely on us to provide objective and accurate information — as such, we create a comprehensive rating system to formulate our rankings of the best home warranty companies. This system accounts for a wide range of ranking factors, and we collect data on dozens of home warranty providers to grade the companies on each factor. The end result is a cumulative score for each provider — companies that score the most points top the list.
To ensure our research is as thorough as possible, we call every major home warranty provider directly and speak with representatives to get quotes, specifics on coverage options, availability based on location and additional information. We also review sample contracts to better understand what each plan covers and to identify limitations. In addition, we simulate the process of reaching out to each company’s customer service team to evaluate their level of helpfulness and ability to solve problems.
Once we gather all relevant data, we use the following scoring system to grade each home warranty company on a 100-point scale, then convert the score to a 5-star rating:
- Overall plan options (25 points): Companies that offer a variety of plan options are more likely to meet consumer needs. Thus, we award more points to providers that offer more plans and greater flexibility.
- Cost (25 points): Monthly fees and service fees are both taken into consideration. The lower the fees, the higher the score.
- Trust (25 points): We analyze customer feedback on third-party review sites to gauge the reputation of each company. We deduct points for companies that are currently facing or have recently faced civil lawsuits.
- Customer service (10 points): We base this factor on the responsiveness, friendliness and helpfulness of a company’s customer service team.
- State availability (5 points): Most home warranty companies do not serve all 50 U.S. states. Providers that offer service in the most states score the highest in this category.
- Additional benefits (5 points): Promotions and discounts are among the perks that can make a home warranty more attractive to consumers. Companies that offer benefits that competitors don’t are awarded more points.
- Coverage specifics (5 points): While the total number of plan options is important, it is also essential to consider what is covered under each plan. The more comprehensive the coverage, the better.