Best Home Warranty Companies in Arkansas (2024)

By Jesus Sanchez Garcia Updated April 15, 2024

All products and services featured are independently selected by our editors. However, when you buy something through our retail links, we may earn an affiliate commission.

If you own a home in Arkansas, you’ve likely experienced frequent rainfall and humid summers. Over time, the elements could break down your home’s roof or air conditioner. A home warranty protects those items, plus other major systems and appliances. In addition, a home warranty provider sources high-quality service technicians near you to fix breakdowns caused by normal wear and tear. Our team compared the best home warranty companies nationwide and chose the top Arkansas providers.

Best Add-On Variety
VISIT SITE $200 Off + 2 Months Free + Roof Leak Protection
Monthly Cost $49–$60
Service Fee $65–$125
Plans Offered 3
Best for Extensive Coverage
VISIT SITE Get $150 Off All Plans
Monthly Cost $40–$80
Service Fee $100–$125
Plans Offered 3
Flexible Coverage
VISIT SITE $150 OFF + 30-DAY FREE TRIAL
Monthly Cost $55–$75
Service Fee $70
Plans Offered 3
Best Budget Coverage
VISIT SITE Use code HOUSE25 for $150 off & 2 months free
Monthly Cost $44–$48
Service Fee $65–$75
Plans Offered 3

Top 5 Home Warranty Companies in Arkansas

We chose each home warranty company listed below based on our in-depth review standards. Our team evaluated coverage options, limits, pricing, and service reputability.

The cost data displayed in this article is a national average based on the 120 sample quotes we requested across the country for monthly home warranty premiums. Your cost may vary based on your home’s size and type, location, and coverage selections.


Compare Arkansas’s Top Home Warranty Companies

Providers
Best For
BBB Rating
Monthly Cost
Service Fee
Best for Extensive Coverage
B
$40–$80
$100–$125
Best Add-On Variety
NR
$49–$60
$65–$125
Flexible Coverage
A+
$55–$75
$70
Best Budget Coverage
B
$44–$48
$65–$75
Best for Systems Coverage
B
$45–$70
$75–$125
Star Rating Monthly Cost Service Fee BBB Rating Link
American Home Shield American Home Shield
$40–$80 $100–$125 B VISIT SITE
Liberty Home Guard Liberty Home Guard
$49–$60 $65–$125 NR VISIT SITE
Elite Home Warranty Elite Home Warranty
$55–$75 $70 A+ VISIT SITE
Select Home Warranty Select Home Warranty
$44–$48 $65–$75 B VISIT SITE
First American Home Warranty First American Home Warranty
$45–$70 $75–$125 B VISIT SITE
American Home Shield
Logo American Home Shield
Star Rating
Monthly Cost $40–$80
Service Fee $100–$125
BBB Rating B
VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Star Rating
Monthly Cost $49–$60
Service Fee $65–$125
BBB Rating NR
VISIT SITE
Elite Home Warranty
Logo Elite Home Warranty
Star Rating
Monthly Cost $55–$75
Service Fee $70
BBB Rating A+
VISIT SITE
Select Home Warranty
Logo Select Home Warranty
Star Rating
Monthly Cost $44–$48
Service Fee $65–$75
BBB Rating B
VISIT SITE
First American Home Warranty
Logo First American Home Warranty
Star Rating
Monthly Cost $45–$70
Service Fee $75–$125
BBB Rating B
VISIT SITE

American Home Shield

Best for Extensive Coverage
4.9
Monthly Cost : $40–$80 Service Fee : $100–$125 BBB Rating : B

American Home Shield (AHS) provides comprehensive appliance and system protection and generous coverage caps. Coverage plans even include protection for items with preexisting conditions and physical damage, which is invaluable for older Arkansas homes.

Benefits and Drawbacks

Benefits

Extended item protection: It’s one of the few companies to include preexisting and damaged item protections in its standard plans.  

High-end appliance protection: AHS doesn’t exclude commercial-grade appliances from its standard coverage

 Included roof-leak coverage: It includes roof-leak coverage with its highest plan

Drawbacks

Inflexible technician options: AHS completes its repairs with in-network service technicians

Limited added protections: It provides six add-on options, the smallest add-on catalog in this review

No appliance-only coverage: AHS doesn’t offer a stand-alone appliance-only plan, limiting appliance coverage to larger, comprehensive options instead

Plans, Pricing, and Availability

AHS offers three plans in Arkansas: ShieldSilver, ShieldGold, and ShieldPlatinum. You’ll pay $360 to $894 annually, with higher costs associated with more comprehensive plan options. The company offers service call fees of $100 or $125, allowing you to customize your pricing. Plans include coverage for preexisting conditions and rust, corrosion, and sediment damage, which are usually excluded from home warranty coverage.

Here’s a look at each plan:

  • ShieldSilver ($29.99–$39.99 per month): This systems-only plan covers 14 systems, including air conditioning, attic fans, built-in exhaust, ceiling fans, doorbells and chimes, ductwork, faucets, fuse panel boxes, garage door openers, heating units, interior electrical lines, main breakers, plumbing lines, toilets, valves, vents, water heaters, and whirlpool tub motors and its components.
  • ShieldGold ($49.99–$64.50 per month): This plan offers comprehensive protection, combining ShieldSilver items with essential systems such as built-in microwaves, cooktops, dishwashers, dryers, garbage disposals, instant hot/cold water dispensers, ovens, ranges, refrigerators, and washers.
  • ShieldPlatinum ($68.99–$74.50 per month): This highest plan tier increases appliance caps and adds $1,500 roof-leak coverage, $1,000 for code upgrades, discounted annual HVAC tune-up, and unlimited AC refrigerant. 
  • Add-ons: AHS provides six add-on options including coverage for electronics, guest units, pool or spas, septic systems and pumps, and well pumps. 

Coverage Caps and Exclusions

Below are important coverage cap and exclusion details we discovered after reviewing the AHS sample contract:

  • Appliances: The ShieldGold plan has a $2,000 appliance cap, and ShieldPlatinum coverage doubles coverage to $4,000. 
  • Air conditioning, heating, HVAC: You receive a $5,000 coverage cap for units up to a 5-ton capacity. Coverage includes a $1,500 limit for geothermal, glycol, hot water, steam circulating systems, and water source heat pumps.
  • Plumbing: AHS offers a $5,000 coverage cap for accessible plumbing systems. However, you only receive a $1,000 limit for systems with obstructed walls, ceilings, and floors.
  • Roof leaks: With the ShieldPlatinum plan or the add-on option, you receive up to $1,500 of roof leak coverage. The company excludes coverage for metal roofs, skylights, or roof-mounted installations. This includes downspouts, gutters, and solar panels.
  • General exclusions: AHS excludes cosmetic defects, routine maintenance, and improperly sized systems from its coverage.

American Home Shield Reviews

AHS is accredited by the Better Business Bureau (BBB) and maintains a B rating*.

In third-party reviews, homeowners reported mixed experiences with the claims process and technician visits. Some reviewers praised the efficiency and knowledge of technicians, while others mentioned multiple visits were required to resolve their repairs.

One of our team members has an AHS policy, and he has had positive experiences with the company. He said that his claims have been processed within 24 hours, with service appointments set one or two days later. For his most recent claim, he received a next-day repair appointment just an hour after submitting his online claim. The repairs were completed in under two hours, and the only out-of-pocket cost was the service fall fee.

Liberty Home Guard

Best Add-On Variety
4.5
Monthly Cost : $49–$60 Service Fee : $65–$125

Liberty Home Guard (LHG) makes it easier for Arkansas homeowners to build their perfect coverage with three specialized plans and an extensive add-on catalog. The company provides the largest add-on catalog in this review, including a mix of home services and additional indoor and outdoor items not typically covered by standard plans.

Benefits and Drawbacks

Benefits

Extended repair guarantee: LHG backs its repairs with a 60-day workmanship guarantee

Extensive add-on catalog: It offers 42 add-on options, exceeding other reviewed providers

Online chat feature: LHG’s website offers 24/7 live chat support for quicker connection to a representative

Drawbacks

Assigned service call fees: LHG doesn’t offer service call flexibility, opting to assign its fees instead

Low system caps: Its electrical and plumbing coverage limits fall below most competitors in this review

No out-of-network protections: LHG excludes out-of-network technicians repairs from its workmanship guarantee

Plans, Pricing, and Availability

LHG provides three plans for Arkansas residents: Appliance Guard, Systems Guard, and Total Home Guard. Premiums range from $600 to $720 annually, depending on your selected plan. Instead of allowing you to choose a service call fee, Select assigns a service call fee between $65 and $125. Your fee is based on your chosen plan, selected add-ons, and location.

Here are LHG’s plans and pricing:

  • Appliance Guard ($49.99 per month): This appliance-only plan provides protection for your built-in microwave oven, ceiling and exhaust fans, clothes dryer, clothes washer, cooktop, dishwasher, garbage disposal, garage door openers, oven, range, and refrigerator with ice maker and display.
  • Systems Guard ($54.99 per month): This plan includes systems only, such as air conditioning, ductwork, electrical, heating, plumbing, and water heater.
  • Total Home Guard ($59.99 per month): This comprehensive plan combines Appliance Guard and Systems Guard protections.
  • Add-ons: LHG offers 42 add-ons, which include carpet cleaning, electronics, limited roof-leak protection, pro-series appliances, and window washing and cleaning

Coverage Caps and Exclusions

Based on our review of LHG contracts, here are its key policies and coverage caps below:

  • Appliances: Plans include a $2,000 coverage limit per item.
  • Systems: You receive a $2,000 cap for each system. 
  • Electrical and plumbing: You receive a $250 limit for the first 90 days after sign-up. Coverage then increases to a $500 limit.
  • Add-ons: Add-ons begin at $250 for the first 90 days. After that, they increase to $500.
  • Additional exclusions: LHG doesn’t cover items with preexisting conditions or damage from improper installation or modification.

Liberty Home Guard Reviews

Liberty Home Guard has an NR rating with the BBB. According to the organization, this means the company’s profile and ratings are being reevaluated. LHG also received a BBB alert in March 2024 due to complaints concerning its claims process, customer service, and sales tactics.

We contacted LHG regarding the BBB alert, and it shared the following statement: 

“Despite the BBB’s alert, our customer satisfaction levels remain by far the highest relative to our scale. Last month, we had the lowest percentage of customer cancellation requests in our entire history. On the BBB’s own platform, Liberty Home Guard has achieved a star rating of 4.5 out of 5 from nearly 2,500 reviews. For added context, the approximately 480 resolved complaints on Liberty Home Guard’s BBB profile equate to an extremely low fraction of a percentage relative to the size and scale of our total customer base. As we navigate this situation, which we believe will be resolved in time, we want to assure you that we remain committed to our customers and their satisfaction; they are the key stakeholders we orient all our efforts around.”

Despite its BBB alert, the company still boasts high customer review ratings on various third-party review sites, including the BBB and Trustpilot. We read dozens of LHG reviews to gauge how it handles claims and customer support. We found that homeowners praised LHG for its excellent customer support and efficient claims handling. There were some negative reviews where customers expressed dissatisfaction with payouts that fell below the promised coverage limits.

Elite Home Warranty

Flexible Coverage
4.5
Monthly Cost : $55–$75 Service Fee : $70 BBB Rating : A+

Elite Home Warranty is one of the only home warranty companies that lets Arkansas homeowners create their ideal coverage from scratch. In addition to three standard plan options, Elite offers a fully customizable plan that allows you to tailor it specifically to your home’s needs. It also offers 27 add-on options for more flexible protection options.

Benefits and Drawbacks

Benefits

Add-on options: Elite offers 27 add-ons, the second largest add-on catalog in this review

Plan flexibility: It offers a 60-day money-back guarantee for new customers

Extended repair guarantee: Elite includes a 90-day workmanship guarantee, three times longer than the industry standard of 30 days

Drawbacks

Higher service call fees: Elite charges a $150 service call fee in certain cases, including for after-hours and weekend calls

No online quote tool: It doesn’t offer an online quote tool, requiring over-the-phone quotes instead

No out-of-network workmanship protection: Elite excludes its workmanship guarantee from repairs completed by out-of-network technicians

Plans, Pricing, and Availability

Elite provides three standard coverage plans for Arkansas homeowners: Elite Appliances, Elite Systems, and Elite Complete. You can choose the Customize Your Own Plan to create a custom coverage plan. However, you must speak with an Elite representative for final pricing details. Standard coverage plans range between $528 and $696 annually and include a $70 service call fee. Elite charges a higher $150 fee for after-hours and weekend service calls and repairs for high-end appliances.

Here’s a look at Elite’s standard plans and costs:

  • Elite Appliances ($44.49 per month): This plan covers eight essential appliances, such as your built-in microwave, ceiling fans, clothes dryer, clothes washer, dishwasher, garbage disposal, range/oven/cooktop, and refrigerator including ice maker and water dispenser.
  • Elite Systems ($49.99 per month): This plan covers eight key systems, including your air conditioning, electrical, garage door opener, heating, plumbing fixtures, plumbing stoppage, plumbing, and water heater.
  • Elite Complete ($58.99): The highest plan offers comprehensive coverage and includes 16 appliances and systems. 
  • Add-ons: Elite offers 27 add-on options, such as HVAC annual maintenance and coverage for guest houses, pool and spa equipment, and water heater annual maintenance coverage.

Coverage Caps and Exclusions

Elite has certain plan exclusions and coverage caps that differ from those of other home warranty providers. We detail these policies below:

  • Annual aggregate limit: The company includes a $15,000 annual aggregate claim limit for its plans. 
  • Appliances: Annual limits include a  $7,000 cap for appliances. Individual system caps vary from $500 to $3,000.
  • Systems: Systems receive a $8,000 annual claims limit. Individual system limits vary between $750 and $4,000.
  • Add-ons: Add-ons have a $5,000 claims limit per term. Individual add-on limits range from $500 to $5,000.
  • General exclusions: Elite excludes coverage for preexisting conditions or improper installations in its coverage. 

Elite Home Warranty Reviews

Elite maintains an A+ rating with the BBB. The typical home warranty rating is a B or lower. The company also has high customer review scores across multiple review sites. We read hundreds of Elite reviews and learned that homeowners enjoyed the efficient and straightforward claims process. However, some customers experienced delayed approvals of up to 48 hours or longer.

To gain firsthand experience, one of our team members filed a claim with Elite for his home. Within 30 minutes of submitting his claim, an Elite representative reached out to schedule a repair appointment for the next day. The technician discovered that certain out-of-stock parts were required for the repair, resulting in a four-business-day delay. The technician arrived for the second appointment and completed the repairs. Despite the delays, our team member was pleased with the outcome.

Select Home Warranty

Best Budget Coverage
3.9
Monthly Cost : $44–$48 Service Fee : $65–$75 BBB Rating : B

Select Home Warranty is a good option for Arkansas homeowners who need cost-effective, baseline coverage. The company offers three specialized coverage plans that include high caps for HVAC coverage and free roof-leak coverage.

Benefits and Drawbacks

Benefits

Annual plan benefits: Select includes two months of free service with its annual plans

Free roof-leak protection: Plans include free limited roof-leak coverage, a rare benefit among home warranty providers

Low-cost HVAC protections: Select offers a generous $3,000 coverage cap for HVAC systems for less than most providers

Drawbacks

Limited technician options: Select lets you choose your own technician if no in-network options are available, but it must approve them beforehand

Low coverage caps: It offers coverage of $500 or lower, falling below most companies

No service call fee flexibility: Select doesn’t let you choose your own service call fees

Plans, Pricing, and Availability

Select offers three plans for Arkansas homes: Bronze Care, Gold Care, and Platinum Care. Select includes free roof-leak coverage with every plan, which most home warranty companies charge extra. Plan premiums range from $533 to $573 annually, which is lower than other reviewed providers. Select assigns a service call fee of $60 to $75. While pulling sample quotes, we discovered that you can secure the lowest service call fee over the phone.

We review Select’s plans and premiums below:

  • Bronze Care ($44.42 per month): This appliance-only plan includes key items such as a built-in microwave oven, clothes dryer, clothes washer, cooktop, dishwasher, garbage disposal, oven, refrigerator, and stove.
  • Gold Care ($44.42 per month): This plan covers built-in systems, including air conditioning, ductwork, electrical, heating, plumbing, and water heater.
  • Platinum Care ($47.75 per month): This plan combines Bronze Care and Gold Care items and includes ceiling fans and garage door openers. 
  • Add-ons: Select offers eight add-on options, including a central vacuum, lawn sprinkler system, pool, septic system, spa, stand-alone freezer, sump pump, and well pump protection.

Coverage Caps and Exclusions

Below are some key contract details you should know before signing up for a Select plan:

  • Appliances: You receive a $500 coverage limit for appliances. 
  • Air conditioning, heating, and HVAC: HVAC systems receive a $3,000 limit.
  • Electrical and plumbing: You receive $500 limits for electrical and plumbing systems. 
  • Roof-leak coverage and other add-ons: You receive a $400 coverage cap for roof-leak and add-on protections.
  • General exclusions: Select excludes items found in commercial or residential properties used for business purposes. It also doesn’t cover items with preexisting conditions.

Select Home Warranty Reviews

Select maintains a B- rating with the BBB but receives mixed reviews across third-party review sites. Homeowners appreciated the easy claims process and helpful service technicians. However, many customers mentioned communication issues with Select, including extremely long times and unreached support teams.

First American Home Warranty

Best for Systems Coverage
4.7
Monthly Cost : $45–$70 Service Fee : $75–$125 BBB Rating : B

First American Home Warranty offers comprehensive plans that include high appliance caps, making them perfect for Arkansas homes with high-end appliances. The company also offers an exclusive upgrade that extends coverage to include persistent conditions and other frequently excluded conditions.

Benefits and Drawbacks

Benefits

Flexible call service fees: First American offers three service call fees for better pricing customization

High appliance caps: It provides up to $7,000 of appliance coverage under its highest plan

Unique coverage update: The company offers the First American Advantage Upgrade that extends coverage to uncommon items, including debris disposal and preexisting conditions

Drawbacks

Excluded AC coverage: First American excludes air conditioning coverage from its lowest plan

Laundry appliance coverage: It doesn’t include clothes washers and dryers under its Starter Plan

Limited service technician options: First American uses in-network contracts for its repairs

Plans, Pricing, and Availability

First American provides three coverage plans: the Starter Plan, Essential Plan, and Premium Plan. Plan costs range between $564 and $912 annually and include service fee options of $75 to $125. Its lowest plan, the Starter Plan, excludes key items from its coverage. You won’t receive coverage for air conditioning, washers, and dryers, three systems that are commonly found in standard home warranty plans. You can add AC coverage with an add-on option but must move to a higher plan for laundry appliance protection. 

Here’s an overview of First American’s coverage and costs:

  • Starter Plan ($47–$61 per month): The lowest plan offers comprehensive coverage for systems and appliances, including your built-in microwave, dishwasher, ductwork, electrical, heating, and plumbing systems, kitchen range hood, oven/cooktop, plumbing stoppages, refrigerator, and toilet tank.
  • Essential Plan ($57–$66 per month): This plan extends coverage to include more items, such as air conditioning, attic, ceiling and exhaust fans, clothes washers, clothes dryers, garage door openers, trash compactors, and water heaters.
  • Premium Plan ($72–$76 per month): The highest plan includes Essential Plan coverage and adds central vacuum, faucets, full garage door systems, garbage disposals, instant hot water dispensers, luxury appliances, showerheads and arms, and window air conditioning units.
  • Add-ons: Additional coverage options include additional refrigeration, central air conditioning (for the Starter Plan only), HVAC tune-up, limited roof-leak repair, pool and spa equipment, septic tank pumping and system, water softeners, and well pump. You can add the First American Upgrade to the Essential and Premium plans.

Coverage Caps and Exclusions

We’ve highlighted important coverage caps and exclusions found in the First American sample contract below:

  • Appliances: Plans include a $3,500 cap for appliances in the Starter and Essential plans. The Premium Plan doubles this limit to $7,000. 
  • Air conditioning and heating systems: There are preset coverage caps for heating, but air conditioning isn’t included in the Starter Plan. You receive a $1,500 cap for geothermal or water source heat pumps or combination water heater/heating units.
  • Plumbing and electrical: These systems don’t receive a coverage cap. However, if technicians have to access it through concrete walls, floors, or ceilings, coverage is limited to $500. You can receive a higher $1,000 limit with the Premium Plan.
  • Add-ons: Coverage caps vary between add-on items, so we recommend reading your sample contract for exact coverage details. 
  • General exclusions: First American doesn’t provide coverage for commercial-use properties and shared systems coverage. The company also excludes construction costs and hazardous or toxic materials.

First American Home Warranty Reviews

First American maintains a B rating with the BBB. Based on dozens of customer reviews, we learned that homeowners appreciated the efficiency of technicians and speedy claims processing. However, some customers stated their repairs included low-quality components and shoddy repairs.

One of our team members also purchased a First American plan to test its claims process. Once he submitted his online claim, First American responded within the next business day to schedule a service appointment. Repairs were completed in less than 30 minutes, and he only paid the service call fee.

*BBB ratings are accurate as of April 2024


Home Warranty Regulations in Arkansas

The Arkansas Insurance Department (AID) oversees home warranty regulation within the state. Arkansas Statute § 4-114-104 requires home warranty providers to pay an annual registration fee before selling service contracts. In addition, the statute outlines that providers are subject to an audit by the AID to ensure compliance.

You can file a complaint with the AID if you own a home warranty and believe your provider has neglected its contractual obligations.

Alongside government regulation, industry associations regulate home warranties. The National Home Service Contract Association (NHSCA) is an organization of member companies that follow a code of ethics centered on fair business practices. Arthur Chartrand, of counsel to the NHSCA, states that the organization communicates directly with member companies’ management to enforce their policies.


How to File a Home Warranty Claim

Each home warranty provider has a unique claims process. That said, there are general practices most companies follow to receive and process claims. For example, most providers provide customers with a 24/7 claims number or an online portal to submit claims. 

However, it’s more complex than filing a claim and getting a repair or replacement covered. Before submitting a claim, carefully review your provider’s sample contract to confirm whether the provider covers your issue. Also, check if your provider’s coverage caps are enough to cover your issue.

Next, determine if your issue is worth contacting your provider. Some repairs may be so minute that the service call fee is more than the cost of replacing a unit. We recommend filing a claim when a repair or replacement costs more than the service call fee and your provider will cover it in full.


Our Recommendation

A home warranty could help keep your home in top shape. It’s worth considering for the added peace of mind of safeguarding your home’s systems and appliances. American Home Shield is our top pick due to its unique coverage for items with rust, corrosion, or preexisting conditions. We also recommend Liberty Home Guard for its solid coverage and lengthy workmanship guarantee. Finally, First American Home Warranty is a solid option for homeowners who want comprehensive appliance coverage. 

Before purchasing a home warranty coverage plan, request quotes from three providers to compare costs, coverage options, exclusions, and limitations.


Arkansas Home Warranty Companies FAQ

Does a home warranty cover accidental damage?

No, most home warranties don’t cover accidental damage. Coverage focuses on breakdowns caused by normal wear and tear. However, some home warranty providers, such as American Home Shield, cover accidental damage from improperly installed home systems and appliances.

What types of homes do home warranties cover?

The types of homes a home warranty covers vary per provider. Most providers cover single-family homes, mobile homes, condos, and townhomes. Providers typically don’t cover multifamily homes and apartment complexes. Rental properties may be covered if they aren’t multifamily units or apartment complexes.

Are home warranties worth the cost?

Each situation is different. A home warranty could be worth the investment for someone with little time to source a technician. A home warranty could save you time plus hundreds or thousands of dollars in home repairs depending on what items break down and what your coverage is.

What is a service call fee?

A service call fee is similar to a deductible charged by an insurance company. Providers charge a service call fee each time you file a new claim. Service call fees range from $65 to $125, depending on your provider and plan selection.


How We Chose the Top Home Warranty Providers

Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on our analysis of customer reviews and interviews with industry experts. Our in-depth methodology outlines our review process to provide transparent information about the companies we review.

We determined that the following factors are the most important when comparing home warranty companies: available plans, plan coverage, price range, industry reputation, customer support, and additional features. Our research supported that plan coverage, customer service, and industry reputation should carry the most weight. While important, the other factors should not have as much influence when choosing a home warranty provider.