Best Home Warranty Companies in South Dakota

• Response Time: 48 hours
• State Availability: 50 states
• Service Call Fee: $65–$125

Liberty Home Guard (LHG) offers three coverage plans, a 60-day workmanship guarantee, and more than 30 add-ons. LHG also provides accessible customer service via its live-chat feature on its website.

Liberty Home Guard earned 4.5 out of 5 stars in our rating system. It is the best customer-rated home warranty provider on this list, in part due to its A+ rating* with the Better Business Bureau (BBB) and its 4.7 out of 5-star rating on Google Reviews. Our team spoke with multiple customer representatives to consider how well LHG handles customer inquiries. Based on our experiences, we believe it holds up to its stellar ratings, with each representative answering the phone quickly and answering all our questions thoroughly.

Liberty Home Guard offers three service plan options: Appliance Guard, Systems Guard, and Total Home Guard. Unlike providers with a flexible service call fee, LHG assigns a service call fee to your account based on your plan, add-on selections, and location. According to the representative we spoke with, service fees range from $65 to $125. All LHG’s covered items are subject to a $2,000 coverage cap and a 60-day workmanship guarantee.

Below are the monthly prices for an LHG plan. Expect to pay between $600 and $720 annually. Per our research, LHG offers two additional months of coverage if you sign up for an annual plan. LHG allows you to pull a quote over the phone or online.

Here are details on LHG’s plans and optional add-on coverage:

• Appliance Guard ($49.99 per month): Covers appliances, such as dishwashers, clothes washers, and dryers
• Systems Guard ($54.99 per month): Covers built-in systems, such as air conditioning, heating, ductwork, and water heater
• Total Home Guard ($59.99 per month): Covers all the items in the Appliance Guard and Systems Guard plans
• Optional Add-ons: Up to 38 options, including pest control, rekey service, gutter cleaning, floor cleaning, and generator coverage. When we pulled our quote, we were informed that pest control coverage costs an extra $15 monthly.

Liberty Home Guard’s service contract provides additional coverage information for each plan.

Pulling a quote from Liberty Home Guard is straightforward. First, you fill out basic personal information such as your name, phone number, and email. Then, you input your home’s address, type, and whether it is under or over 5,000 square feet. LHG will then display your home’s customized monthly premium. 

We believe Liberty Home Guard offers solid coverage for the price. Its $2,000 coverage cap applies to all covered items except electrical and plumbing systems. In addition, it offers the most add-on coverage options compared to other providers. This makes LHG a great choice if you have unique items that need coverage. 

Note that LHG doesn’t allow you to choose your service provider since it works with its network of technicians. However, if LHG can’t source a technician from its network near you, it allows you to source your own. 

In reading customer reviews, we found that consumers’ experiences aligned with our experience contacting LHG’s customer service. Many reviewers noted the helpfulness of representatives and how quickly they resolved issues. We experienced this responsiveness each time we called or used its live-chat feature.

• Response Time: 48 hours
• State Availability: 47 states (excluding Nevada, Wisconsin, and Washington)
• Service Call Fee: $60–$75

Select Home Warranty provides affordable coverage plans for those who need basic coverage. It offers appliance-only, systems-only, and combination plans. In addition, Select offers a service call fee under $80 per claim.

Select Home Warranty scored 4.3 out of 5 stars in our review standards. It is a great option if you’re looking for an affordable home warranty since all its plans are less than $50 per month and include roof-leak coverage (up to $400 annually) in each standard plan. Home warranty companies don’t typically offer roof-leak coverage without an additional fee.

Select Home Warranty offers three plan options: Bronze Care, Gold Care, and Platinum Care. Select charges a $60–$75 service call fee. Our team discovered via secret shopping that Select offers its lower service call fee as an over-the-phone deal only. After reviewing Select’s sample contract, we found it covers HVAC systems up to $3,000. However, Select limits other covered systems, such as plumbing and electrical, plus appliances, to a $500 coverage cap. Select’s plans include a 30-day workmanship guarantee.

Select Home Warranty offers monthly and annual premium options. Expect to pay between $533 and $573 annually. According to the quote we pulled, Select offers up to $150 off and two additional months of coverage if you choose an annual premium. It lets you pull a quote by calling or using its online tool.

Here are more details about Select Home Warranty’s plans:

• Bronze Care ($44.42 per month): Covers appliances, such as clothes washers and dryers, garbage disposals, refrigerators, and cooktops
• Gold Care ($44.42 per month): Covers systems, such as air conditioning, heating, plumbing, electrical systems, water heaters, and ductwork
• Platinum Care ($47.75 per month): Covers all the appliances and built-in systems in the Bronze and Gold Care plans, plus garage-door openers and ceiling fans
• Optional Add-ons: Central vacuums, lawn sprinkler systems, pools, septic systems, spas, stand-alone freezers, sump pumps, and well pumps. Select Home Warranty also offers low prices for its add-ons. For example, it charges under four dollars monthly for central vacuum coverage.

Check out Select Home Warranty’s sample contract which outlines the terms and conditions of each coverage plan.

Select’s quote tool works similarly to the tools of other providers in this article. It first asks for your ZIP code. Then it asks for your name, phone number, and email. It doesn’t, however, ask for your property’s address. This helps streamline the quote process.

Select is worth considering for homeowners who need basic home protection. Its coverage caps for essential systems and appliances are much lower than other providers, making it difficult to recommend from a coverage standpoint. It offers some of the most affordable fees, and it lets you choose your service provider as long you obtain Select’s approval first. 

We also discovered that Select prefers to communicate strictly over the phone for claims and plan issues. Several customers on third-party consumer review sites, such as the BBB and Trustpilot, note that Select’s customer service department is difficult to get ahold of. Therefore, we recommend carefully considering your needs and budget before signing up for Select Home Warranty.

• Response Time: 48 hours
• State Availability: 33 states*
• Service Call Fee: $75, $100, and $125

*(excluding Alaska, Connecticut, Delaware, Hawaii, Illinois, Indiana, Kansas, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont, and Wisconsin)

First American Home Warranty offers comprehensive coverage for both appliances and systems. The company also offers a suite of add-ons plus a plan upgrade that covers miscellaneous fees home warranties typically don’t cover.

We rated First American Home Warranty 4.6 out of 5 stars in our review standards. What makes First American Home Warranty stand out is its generous appliance limits. After reading its sample contract, we found First American pairs each appliance with a $3,500 limit in the Starter and Essential plans, which is higher than other providers. Its Essential and Premium plans offer the First American Advantage upgrade. This upgrade protects systems and appliances that were improperly maintained, modified, or installed—a rarity in the home warranty business.

First American Home Warranty offers three plans: the Starter Plan, the Essential Plan, and the Premium Plan. First American offers flexible service call fees ranging from $75, $100, and $125. The coverage limit for appliances is set at $3,500 per item in its Starter and Essential plans, and its Premium Plan increases appliance limits to $7,000 per covered appliance. Upon speaking with a representative, we discovered the company doesn’t outline hard limits for built-in systems coverage except for water heaters. First American covers all repairs for 30 days. 

First American Home Warranty also offers an annual premium. Annual plan costs range from $540 to $1,040. Unlike other providers that offer annual premiums, First American doesn’t include extra months of coverage or a discount if you choose an annual premium. First American provides an online quote tool or a sales phone line to pull a free quote.

Here are more details about First American’s plan coverage:

• Starter Plan ($47–$62 per month): Covers built-in microwaves, dishwashers, ductwork, electrical system, heating, plumbing systems, oven/cooktop, plumbing stoppages, refrigerators, and toilet tanks, bowls, and mechanisms
• Essential Plan ($57–$72 per month): Includes everything in the Starter Plan plus air conditioning, ceiling/attic/exhaust fans, clothes washers, clothes dryers, First American Advantage upgrade, garage-door openers, trash compactors, and water heaters
• Premium Plan ($72–$87 per month): Covers all items listed in the Essential Plan including refrigerators, and toilet tanks, bowls, and mechanisms full garage-door systems, instant hot water dispensers, luxury appliance coverage, shower heads and arms, and window air conditioning units
• Optional Add-ons: Additional refrigeration, air conditioning for Starter Plan, HVAC tune-up, limited roof-leak, pool and spa equipment, septic tank systems and pumping, water softeners, and well pumps. First American offers limited roof-leak coverage for under $9 per month.

Check out First American Home Warranty’s sample contract for exact coverage details.

First American’s online quote tool requires you to enter personal information, such as your name, phone number, email, and home address. You must also enter your home’s type and the estimated square footage. Once you do, it generates your monthly quote. Although there is extra information you must fill out, we found it simple to adjust your premium based on your chosen service call fee. It also conveniently displays each plan’s coverage options below the price figures.

First American’s sizeable coverage limits make it a great choice for those who want total home protection. However, it excludes air conditioning coverage from its entry-level Starter plan. You must pay extra to obtain air conditioning coverage. Other providers include it within their basic plans.

First American handles claims by sending in-network service contractors to fix your issue. It allows you to use your own if an in-network provider isn’t available near you. One of our team members purchased a plan to test the claims process. He filed a claim for his garage door opener on a Friday and reported First American sent a service technician the following Monday. The technician arrived at our team member’s home on Monday and fixed his issue in under 30 minutes. All he paid was his service call fee.

Our team read dozens of customer reviews. Similar to other home warranty providers, First American holds mixed reviews. A positive theme was how simple it is to file claims. A negative theme involved delays in fulfilling service requests.

• Response Time: 2 business hours or 24 hours outside business hours
• State Availability: 48 states (excluding Alaska and Hawaii)
• Service Call Fee: $100, $125, and $150

Cinch Home Services (CHS) is another provider that offers comprehensive appliance and systems coverage. The company includes a generous annual coverage cap. It also covers up to 28 home systems and appliances

Cinch Home Services scored 4.6 out of 5 stars in our review standards. Cinch offers several perks, such as its lengthy 180-day workmanship on completed repairs. Based on our research, the industry standard for workmanship guarantees is 30 days. It also offers a unique $500 home insurance deductible reimbursement that comes with the Complete Home Plan. We recommend this provider to homeowners who want to get the most out of their plan with a lengthy re-servicing guarantee.

Cinch Home Services offers three plans: the Appliances Plan, Built-In Systems Plan, and Complete Home Plan. Cinch also offers a flexible service call fee model, and its options for service fees are $100, $125, and $150. Upon reading Cinch’s fine print, we found the company sets its coverage caps at $1,500 for central air conditioning and $1,000 for plumbing systems. When you file a claim, Cinch subtracts these amounts from the policy’s annual coverage limit.

Like American Home Shield, Cinch Home Services doesn’t offer an annual premium option. However, it allows you to request a quote online or over the phone.

Here are more details about Cinch Home Services’ plans:

• Appliances Plan ($38.99–$48.99 per month): Covers appliances, such as clothes dryer, washer, built-in food center, freestanding ice maker, microwave, and refrigerator
• Built-In Systems ($43.99–$55.99 per month): Covers built-in systems, such as water heater, air conditioner, built-in trash compactor, smoke detector, and jetted tub
• Complete Home ($54.99–$66.99 per month): Covers all the items in the earlier plans, plus up to $500 per term for a homeowners insurance deductible reimbursement
• Optional Add-ons ($4.58 to $22 depending on the item): Pools, spas, pools with spas (heater included), septic tanks, well pumps, and a Premier Upgrade Package (increases limits up to $1,000 to help pay for unforeseen costs during a claim, such as debris removal or code upgrades)

Check out the company’s sample contract to access the complete coverage terms and conditions.

We found Cinch’s quote tool the easiest and quickest to generate a custom quote. You enter your ZIP code and email, then Cinch displays each plan’s monthly cost. In addition, Cinch makes it simple to choose your service call fee by displaying its three fee options directly above the plan information. It automatically adjusts each plan’s monthly premium based on your selected service call fee.

Cinch Home Service’s additional perks make it a worthwhile provider. Most home warranty companies don’t offer credits for maintenance items or reimbursement for your homeowners insurance deductible. It provides solid systems and appliance coverage. However, Cinch offers a limited amount of add-ons and excludes roof-leak coverage. Most providers offer some form of roof protection coverage.

Cinch Home Services also holds mixed customer reviews due to its high service call and monthly fees. Some customers disliked the quality of contractors it used for service requests, while others appreciated the knowledgeable and friendly sales team. Regarding service technicians, Cinch requires you to use in-network technicians. When we called to ask if it allows out-of-network contractors, a representative stated it does. However, you must contact Cinch beforehand.