Best Home Warranty Companies in South Dakota
Home warranty companies cover repair and replacement costs when your home systems and appliances break down from regular use. Your provider also helps you find a qualified repair technician, ensuring you receive affordable, hassle-free coverage for your home. We compared top home warranty companiesโ coverage, costs, and customer reviews to find the best providers in South Dakota. We recommend Liberty Home Guard as our top pick due to its high customer ratings and extensive list of more than 30 add-ons.
Key Takeaways
South Dakotaโs Top 5 Home Warranty Companies
The highest-rated home warranty companies in South Dakota include these:
To determine the best home warranty companies in South Dakota, we compared third-party customer reviews, plans, pricing, benefits, and more. These are the providers that we believe provide the best coverage at the most affordable prices.
Summary of the Best Home Warranty Companies in South Dakota
![Liberty Home Guard Logo](https://dlczb9lfz9r73.cloudfront.net/wp-content/uploads/2022/05/29231110/LHG-LOGO-2022-original.png)
![American Home Shield Logo](https://dlczb9lfz9r73.cloudfront.net/wp-content/uploads/2024/06/06132820/AHS-logo-300x74.png)
![Select Home Warranty Logo](https://dlczb9lfz9r73.cloudfront.net/wp-content/uploads/2022/05/29231112/Select-Home-Warranty-250x125-1-e1704912485194.png)
![First American Home Warranty Logo](https://dlczb9lfz9r73.cloudfront.net/wp-content/uploads/2022/05/29231109/logo_fahw.png)
Monthly Cost
Service Fees
Customer Support Options
Response Time
Pros
- Extensive add-on catalog
- 60-day workmanship guarantee
- Accessible customer support
- High coverage caps
- Preexisting coverage included
- Bonus discounts on maintenance services
- Higher coverage for high-end appliances
- 90-day workmanship guarantee
- Service call fee rolled into annual premium
- Low-cost plan options
- High HVAC coverage
- Free roof leak protection
- Unlimited system coverage
- Solid add-on catalog
- Optional upgrade for preexisting condition coverage
Cons
- Reviews mention low claim payouts
- Low coverage caps for electrical and plumbing
- Higher costs for comprehensive coverage
- Smallest add-on catalog
- Higher service fee for high-end appliance repairs
- No workmanship guarantee on repairs by out-of-network technicians
- Low coverage caps for other items
- No service call fee flexibility
- No AC coverage in the lowest plan
- Excludes essential appliances from its lowest plan
Summary
We recommend Liberty Home Guard for homeowners who need coverage for multiple HVAC systems and extensive add-on customizations.
We recommend American Home Shield for homeowners who need comprehensive coverage for older homes.
We recommend Elite Home Warranty for homeowners who want fully customizable plans and extensive add-on coverage options.
We recommend Select Home Warranty for homeowners who need affordable HVAC-only coverage.
We recommend First American Home Warranty for homeowners who need robust plan options for HVAC and high-end appliances.ย
Promotions
Rating Categories
Coverage
Value
Trustworthiness
Plan Transparency
Customer Support
Flexibility
Company | BBB Rating | Monthly Cost in SD | Service Fee | Visit Site |
---|---|---|---|---|
NR | $49โ$59 | $65โ$125 | VISIT SITE | |
B | $59โ$119 | $100โ$125 | VISIT SITE | |
A+ | $44โ$58 | $70 | VISIT SITE | |
B- | $44โ$47 | $60โ$75 | VISIT SITE | |
B | $52โ$92 | $75โ$125 | VISIT SITE |
*We based the pricing information in this table and throughout the article on sample quotes we obtained for a 2,080-square-foot, single-family home in Sioux Falls, South Dakota. Your pricing may vary depending on your homeโs location, size, type, and plan selections.
Reviews of the Best Home Warranty Companies in South Dakota
Manufacturer’s Warranty vs Home Warranty
When you purchase a new product, like a home appliance, the manufacturer gives you a warranty that protects the item against defects for the first few years of its life. After that, repairs and replacements are your responsibility. With a home warranty, your systems and appliances are covered if they break down due to normal wear and tear, and your provider will cover the repair or replacement costs.
Annual Home Warranty Cost Calculator
Our team created a calculator to break down the estimated annual cost of owning a home warranty. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. Itโs best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.
Appliance | Average Repair Cost | Average Replacement Cost |
---|---|---|
Dehumidifier |
$50โ$200 |
$1,300โ$2,800 |
Microwave |
$50โ$400 |
$60โ$2,000 |
Dishwasher |
$50โ$500 |
$400โ$3,000 |
Exhaust Fans |
$16โ$300 |
$250โ$950 |
Electric Range |
$100โ$500 |
$230โ$3,000 |
Gas Range |
$100โ$500 |
$230โ$3,000 |
Dryer |
$100โ$400 |
$450โ$2,300 |
Oven |
$100โ$430 |
$400โ$3,000 |
Washer |
$50โ$450 |
$400โ$2,300 |
Freezer |
$90โ$500 |
$160โ$2,900 |
Refrigerator |
$40โ$350 |
$200โ$5,000 |
Note: The annual cost figure generated by our home warranty calculator is not an indication of a companyโs actual plan cost, as annual costs and service fees vary based on your plan selections and your homeโs size, type, and location.
What’s a Home Warranty Coverage Cap?
Home warranty companies typically set a coverage cap, or a maximum amount theyโre willing to pay, to repair or replace a covered item. This amount is laid out in the terms and conditions of your contract. If a fix costs more than the coverage cap, the homeowner has to pay the remaining amount.
When Will A Home Warranty Provider Replace an Item Instead of Repairing it?
If the covered item canโt be repaired or it isnโt cost-effective to repair it, the home warranty company will replace the item instead. Your provider may not offer a replacement with the same make, model, and color as your previous one, but the item will function the same.
Our Conclusion
With a plan through one of these providers, you can get customizable and affordable coverage for your South Dakota home. Since estimates in this review may change depending on the size of your home and how you customize your plan, we recommend getting quotes from both before deciding on a provider.
Other Resources for Residents in South Dakota
- Best Solar Companies in South Dakota
- Best Moving Companies in South Dakota
- Best Home Warranties in Rapid City, SD
- Best Home Warranties in Sioux Falls, SD
How Do I Find the Best Home Warranty Company in My Area?
Find in-depth reviews on the best home warranty companies for each state and major US city below.
Our Rating Methodology
We back up our home warranty ratings and recommendations with a detailed rating methodology to score each provider objectively. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and conducting focus groups and consumer surveys.
We score each provider against our review standards, which include four comparison categories: coverage, value, trust and transparency, and availability and service. We rate each provider across 31 factors within these categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We then convert the final scores to a 5-star rating.
Hereโs a breakdown of our weighted factors:
- Coverage (40%): We scored coverage based on included home systems and appliances, add-on options, and unique benefits. We also compared coverage caps and policy exclusions.
- Additional coverage items
- Annual coverage cap
- Home systems coverage
- Major appliances coverage
- Obstructed wall coverage cap
- Value (30%): We compared the coverage level received to monthly pricing to determine plan value. We considered premium pricing, service fees, and flexibility in customizing plan costs.
- Average monthly cost
- Cost flexibility
- Lowest service fee
- Trust and Transparency (16%): We evaluated each companyโs reputation using the Better Business Bureau ratings and customer reviews on third-party review sites. We read through plan change policies, workmanship protections, and sample contract availability.
- Brand reputation
- Policy change flexibility
- Sample contract availability
- Workmanship guarantee length
- Availability and Service (14%): We award higher scores for faster claim processing and response times. We also considered service technician policies, including options to choose your technician.
- Claims process
- Guaranteed response time
- Service flexibility
To share feedback or ask a question about this article, send a note to our Reviews Team at [email protected].