Home Warranty Companies in Arkansas
2026 State Guide
Our data lists 13 of the 15 companies we track as serving Arkansas. AFC Home Club ranks first among them at 8.2 out of 10. Arkansas has warmed about 0.5 degrees F since the beginning of the 20th century, less than a third of the warming for the contiguous United States, and 2015 to 2019 was its warmest five-year period.
Companies Available
13
of 15 tracked
Top 3 Picks From
$37
per month, by plan
Primary Risk
AC
cooling, our reading
Regulator
Arkansas Insurance Department
Service contract law
Arkansas State Snapshot
Housing units
1,435,645
Owner-occupied rate
66.4% (US 65.2%)
Median home value
$188,000
Primary HVAC risk
Cooling (our reading)
Companies listed
13 of 15 tracked
Regulatory body
Arkansas Insurance Department
66.4% of Arkansas homes are owner-occupied, above the 65.2% national rate, and the median owner-occupied home is worth $188,000, 43% lower than the national median of $332,700.
Source: Census Bureau QuickFacts for Arkansas. Census Bureau QuickFacts: housing units are the July 1, 2025 estimate; owner-occupied rate and median value are 2020-2024 American Community Survey 5-year estimates.
In Arkansas's largest city, Little Rock, 53.5% of homes are owner-occupied and the median owner-occupied home is worth $236,400.
Source: Census Bureau QuickFacts for Little Rock, 2020-2024 American Community Survey 5-year estimates (the current QuickFacts release).
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Climate and Coverage Context
Arkansas's climate puts cooling under strain, in our reading
Arkansas has warmed about 0.5 degrees F since the beginning of the 20th century, less than a third of the warming for the contiguous United States, and 2015 to 2019 was its warmest five-year period. Heat and extreme precipitation events are projected to become more frequent and intense, while extreme cold is projected to weaken. Days with 3 inches or more of rain averaged 1.8 per year in 2015 to 2020, against a long-term average of 1.1.
Air conditioning does most of the work here, so the cooling side of the HVAC cap is the number to check.
Source: NOAA NCEI State Climate Summary for Arkansas (2022). Which system is under the most strain is our reading of those facts, not a figure from the summary.
Cap Gap Calculator and Company Comparison
Enter a replacement quote from a local HVAC contractor. Each row subtracts the company's highest HVAC cap from it. The starting $8,000 is an example, not a Arkansas estimate. 13 of 15 tracked companies serve Arkansas in our data; "Likely" and "Check" rows are not verified for Arkansas.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | AR |
|---|---|---|---|---|---|---|
| AFC Home Club | $44-$82/mo | No cap | $0 over a per-unit cap (check the aggregate limit) | B | 8.2 | Yes |
| Liberty Home Guard | $49-$79/mo | $2,000/unit | $6,000 | NR | 7.9 | Yes |
| First American Home Warranty | ~$37-$65/mo | Unconfirmed | Cap unconfirmed | B+ | 7.4 | Yes |
| Armadillo Home Warranty | from $39.99/mo | $3,000/unit | $5,000 | NR | 6.9 | Yes |
| HomeServe USA | $3.99-$55.99/mo | Unconfirmed | Cap unconfirmed | A+ | 6.9 | Yes |
| American Home Shield | $29.99-$89.99/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| 2-10 Home Buyers Warranty | ~$35-$70/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| HSA Home Warranty | ~$41-$53/mo | Unconfirmed | Cap unconfirmed | B+ | 6.3 | Check |
| ARW Home | $45.99-$67.99/mo | Unconfirmed | Cap unconfirmed | A | 5.9 | Yes |
| Home Warranty of America | from ~$48.33/mo | $5,000/unit | $3,000 | C/NR | 5.9 | Yes |
| Choice Home Warranty | ~$49-$58/mo | $3,000 combined | $5,000 | B | 5.6 | Yes |
| Select Home Warranty | ~$46-$62/mo | Unconfirmed | Cap unconfirmed | B- | 5.6 | Yes |
| ServicePlus Home Warranty | ~$41-$50/mo | Unconfirmed | Cap unconfirmed | B | 5.2 | Yes |
| Cinch Home Services | ~$28-$62/mo | $1,500 combined | $6,500 | B+ | 5.1 | Yes |
The cap shown is the largest across a company's plans, so a lower plan may pay less. The service fee per claim is extra and is on each review. Caps marked unconfirmed could not be verified in our research; check the contract schedule.
Top 3 Picks for Arkansas
Highest overall score among companies that serve Arkansas, leaving out companies we recommend against. How scores work.
Not Available or Unverified in Arkansas
Our data lists Old Republic Home Protection as not serving Arkansas. It serves about 25 states per our research.
Check availability: HSA Home Warranty
These companies serve only some states and we have not verified Arkansas. They appear in the comparison table marked "Check". Ask the company before you rely on them.
How Arkansas Regulates Home Warranties
Regulator
Arkansas Insurance Department
Legal framework
Service Contracts Act (registration, not insurance)
Arkansas treats service contracts as outside the Insurance Code. Under the Service Contracts Act and the Insurance Department's rule, providers of contracts issued on or after October 1, 2007 must register with the Arkansas Insurance Department unless exempt. The department keeps a page of registered service contract providers.
Type of rules: General service contract law. A service contract law with registration, bonding or disclosure rules. Whether it reaches a particular home warranty plan was not confirmed.
Checked against the official sources listed below. Researched October 2026; laws and agency pages change, so confirm with the regulator before you rely on a detail.
Sources for this section
- Arkansas Insurance Department: Service Contract Providers
- Arkansas Rule 91 (054.00.07-007), Cornell LII
- Find the current complaint form or phone line in the NAIC directory of state insurance departments.
- Compare all 50 states in the state home warranty laws table and read your refund and cancellation rights.
- If a claim is denied, follow how to fight a denial.
Consumer Tips for Arkansas Homeowners
Check the company's registration
Arkansas regulates service contracts under a general law with registration, bonding or disclosure rules, and we could not confirm how it applies to every home warranty plan. Ask the Arkansas Insurance Department whether the company is registered.
Do the cap math for your own system
Get a replacement quote from a local HVAC contractor, then enter it in the calculator above. Our top-ranked option here, AFC Home Club, has an HVAC cap of No cap; the difference between your quote and each company's cap is your out-of-pocket cost if the system fails completely. Details
Confirm coverage for your address
1 companies in our data serve only some states and are marked "check availability" for Arkansas. Confirm with the company that your address is covered before you spend time on a quote.
Filing a Complaint in Arkansas
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. Arkansas's state office below takes consumer complaints about businesses in general, so it is a place to file a home warranty dispute, but it is not a home warranty regulator by that fact alone. Who regulates the contract is covered in the regulation section above.
Arkansas Attorney General: file a consumer complaint
The office says many complaints are resolved once it notifies the business about the problem. The form says a copy goes to the business, the complaint may be referred to other agencies, and the record may be public under the Arkansas Freedom of Information Act.
This paraphrases the office's own page as found in October 2026. Offices change their forms and procedures, so confirm on the page before you file.
Frequently Asked Questions - Arkansas
Which home warranty companies serve Arkansas?
What is the best home warranty company in Arkansas?
Which home warranty plan has the highest HVAC coverage in Arkansas?
How much does a home warranty cost in Arkansas?
How does Arkansas's climate affect which plan to buy?
Where do I file a home warranty complaint in Arkansas?
How are home warranties regulated in Arkansas?
Neighboring States
Compare All Arkansas-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves Arkansas, so you do not spend time on quotes from companies that do not operate here.
Regulation researched October 2026; housing figures from the Census Bureau and climate facts from NOAA NCEI as cited above. Company availability, pricing and coverage terms change. Verify current details directly with each company before purchasing. Reference: NAIC state insurance departments.