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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.
The Top 5 Home Warranty Companies in Arkansas
We chose each home warranty company listed below based on our in-depth review standards. We considered coverage options, limits, pricing, and service reputability.
- American Home Shield : Best for Comprehensive Coverage
- Liberty Home Guard: Best Add-on Variety
- Select Home Warranty: Best for Cost-Effective Plans
- First American Home Warranty: Best for Home Systems Coverage
- America’s 1st Choice Home Club: Best Membership Perks
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
|Star Rating||Monthly Cost||Service Fee||BBB Rating||Link|
|American Home Shield||$65–$76||$100–$125||B||VISIT SITE|
|Liberty Home Guard||$49-$60||$65–$125||A+||VISIT SITE|
|Select Home Warranty||$44–$48||$65–$75||B-||VISIT SITE|
|First American Home Warranty||$59–$77||$75–$125||B||VISIT SITE|
|American Home Shield|
|Liberty Home Guard|
|Select Home Warranty|
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.
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.