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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.
- 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. 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
Get a quick quote: Visit American Home Shield’s site
Read more: American Home Shield Review
Liberty Home Guard
Get a quick quote: Visit Liberty Home Guard’s site
Read more: Liberty Home Guard Review
Select Home Warranty
Get a quick quote: Visit Select Home Warranty’s site
Read more: Select Home Warranty Review
First American Home Warranty
Get a quick quote: Visit First American Home Warranty’s site
Read more: First American Home Warranty Review
America’s 1st Choice Home Club
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:
- Determine your coverage needs: Determine what major systems and appliances you’d like protection for. For example, consider a systems-only plan if you have old systems but brand-new appliances.
- Read customer reviews: Read consumer reviews for several providers to understand how each company handles customer service.
- Gather quotes: Request quotes from at least three companies and compare each of their costs and coverage options.
- Read your final contract closely: Make sure your provider’s fine print doesn’t exclude the type of coverage you need.
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.
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.