Best Home Warranty Companies in South Dakota

By Jesus Sanchez Garcia | January 4, 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.

Your home’s appliances only last an average of 13 years, according to data we analyzed from the International Association of Certified Home Inspectors. If you own an older home, chances are your major appliances are near the end of their life spans. If they break down due to normal wear and tear, your homeowners insurance policy won’t cover it. A home warranty, however, covers your appliances and built-in systems, filling your home insurance policy’s gaps. Our team compared the best home warranty companies nationwide and rounded up the best options in South Dakota below.

 


 

The Top 5 Home Warranty Companies in South Dakota

Our team scored the home warranty companies below based on our in-depth review standards. We focused on coverage limits, plans, pricing, and service reputability.

The cost data displayed in this article is a national average based on the 120 sample quotes we requested. We used a 2,000-square-foot, single-family home for our quotes. Your cost may vary based on your coverage and your home’s size, type, and location.

 


 

American Home Shield

American Home Shield

Best for Extensive Coverage

American Home Shield

Best for Extensive Coverage
4.9
At a Glance
BBB Rating: B
Monthly Cost: $40–$80
Service Fee: $100–$125
Phone: (844) 804-5378

Get a quick quote: Visit American Home Shield’s site

Read more: American Home Shield Review

 


 

Liberty Home Guard

Liberty Home Guard

Best Add-On Variety

Liberty Home Guard

Best Add-On Variety
4.5
At a Glance
BBB Rating: NR
Monthly Cost: $49–$60
Service Fee: $65–$125
Phone: 866-452-9107

Get a quick quote: Visit Liberty Home Guard’s site

Read more: Liberty Home Guard Review

 


 

Select Home Warranty

Select Home Warranty

Best Budget Coverage

Select Home Warranty

Best Budget Coverage
3.9
At a Glance
BBB Rating: B
Monthly Cost: $44–$48
Service Fee: $65–$75
Phone: 888-370-3956

Get a quick quote: Visit Select Home Warranty’s site

Read more: Select Home Warranty Review

 


 

First American Home Warranty

First American Home Warranty

Best for Systems Coverage

First American Home Warranty

Best for Systems Coverage
4.7
At a Glance
BBB Rating: B
Monthly Cost: $45–$70
Service Fee: $75–$125
Phone: 800-891-9778

Get a quick quote: Visit First American Home Warranty’s site

Read more: First American Home Warranty Review

 


 

America’s 1st Choice Home Club

AFC Home Warranty

Best Membership Perks

AFC Home Warranty

Best Membership Perks
4.4
At a Glance
BBB Rating: B
Monthly Cost: $44–$97
Service Fee: $75–$125
Phone: 877-755-1115

Get a quick quote: Visit America’s 1st Choice Home Club’s site

Read more: America’s 1st Choice Home Club Review

 


 

Home Warranty Regulations in South Dakota

Based on our research, South Dakota doesn’t clearly specify if it regulates home warranties. The state’s Division of Insurance does include a complaint form you can submit if you have a dispute with your home warranty company.

There are also industry organizations that provide some form of regulation. For example, the National Home Service Contract Association (NHSCA) is a nonprofit association comprising member companies that follow a code of ethics centered on consumer protection. The NHSCA accepts complaints from homeowners who own a plan with a member company.

 


 

How to Buy a Home Warranty

Due to the vast number of companies offering similar coverage plans, it’s hard to know if you’re buying the right home warranty. Follow these steps to ensure you choose the best home warranty for your needs:

 


 

Our Recommendation

A home warranty protects you from paying out of pocket to repair or replace your home’s most important systems and appliances. Our team considers American Home Shield the best choice for those seeking plan flexibility and comprehensive coverage. Liberty Home Guard offers a long list of add-on coverage options for those who have unique coverage needs. Finally, Select Home Warranty pairs roof-leak repair coverage with each plan, making it a good choice for those with old or damaged roofs.

 

Open plan living room with white kitchen and pantry.

 

South Dakota Home Warranty Companies FAQ

What are the benefits of a South Dakota home warranty?

A South Dakota home warranty has several benefits. The biggest benefit is that it connects you with company-vetted service providers who can repair your systems and/or appliances. This can save you time otherwise spent searching for a technician yourself. It also covers the cost of repairing or replacing your damaged items up to a certain coverage limit—you only have to pay your monthly premium and service call fee. This can save you hundreds to thousands of dollars.

Do home warranties cover electronic devices?

Most home warranty companies don’t cover typical electronic devices such as cell phones, computers, and televisions. Some home warranty companies, such as American Home Shield, offer basic electronics coverage as an add-on.

How often do I have to pay my service call fee?

Typically, you must pay your provider’s service call fee each time you file a new claim. However, reputable providers won’t charge an extra service call fee if your completed repair has issues again within 30 days. Certain providers extend their repair guarantee past the industry standard of 30 days.

Who do I contact if my state doesn’t have a clear regulatory body for home warranties?

The Attorney General’s Office is the best entity to contact if your state doesn’t have a clear regulatory body for home warranties. The Attorney General’s and Consumer Protection offices handle complaints and take the necessary steps to regulate noncompliant companies.

 


 

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.