Home Warranty Companies in Mississippi
2026 State Guide
Our data lists 10 of the 15 companies we track as serving Mississippi. AFC Home Club ranks first among them at 8.2 out of 10. Mississippi's climate is characterized by relatively mild winters, hot summers and year-round precipitation, with an annual statewide average of 55.9 inches (1991 to 2020 normals).
Companies Available
10
of 15 tracked
Top 3 Picks From
$37
per month, by plan
Primary Risk
AC
cooling, our reading
Regulator
Mississippi Insurance Department and Attorney General
Rules not confirmed
Mississippi State Snapshot
Housing units
1,350,642
Owner-occupied rate
69.5% (US 65%)
Median home value
$161,400
Primary HVAC risk
Cooling (our reading)
Companies listed
10 of 15 tracked
Regulatory body
Mississippi Insurance Department and Attorney General
69.5% of Mississippi homes are owner-occupied, above the 65% national rate, and the median owner-occupied home is worth $161,400, 47% lower than the national median of $303,400.
Source: Census Bureau QuickFacts for Mississippi. Census Bureau QuickFacts: housing units are the July 1, 2023 estimate; owner-occupied rate and median value are 2019-2023 American Community Survey 5-year estimates.
In Mississippi's largest city, Jackson, 48.6% of homes are owner-occupied and the median owner-occupied home is worth $111,700.
Source: Census Bureau QuickFacts for Jackson, 2020-2024 American Community Survey 5-year estimates (the current QuickFacts release). The state figures above come from an earlier release, so we do not compare the two.
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Climate and Coverage Context
Mississippi's climate puts cooling under strain, in our reading
Mississippi's climate is characterized by relatively mild winters, hot summers and year-round precipitation, with an annual statewide average of 55.9 inches (1991 to 2020 normals). A persistent southerly flow off the Gulf during the warm half of the year brings moisture, and the state climatologist notes high humidity from May through September. Temperatures have risen only about 0.1 degrees F since the beginning of the 20th century, but recent years have been very warm and historically unprecedented warming is projected this century.
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 Mississippi (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 Mississippi estimate. 10 of 15 tracked companies serve Mississippi in our data; "Likely" and "Check" rows are not verified for Mississippi.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | MS |
|---|---|---|---|---|---|---|
| Old Republic Home Protection | ~$45-$80/mo | $6,500/unit | $1,500 | A+ | 8.4 | Check |
| AFC Home Club | $44-$82/mo | No cap | $0 over a per-unit cap (check the aggregate limit) | B | 8.2 | Likely |
| 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 | Likely |
| 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 | Likely |
| Home Warranty of America | from ~$48.33/mo | $5,000/unit | $3,000 | C/NR | 5.9 | Check |
| 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 | Check |
| ServicePlus Home Warranty | ~$41-$50/mo | Unconfirmed | Cap unconfirmed | B | 5.2 | Check |
| 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 Mississippi
Highest overall score among companies that serve Mississippi, leaving out companies we recommend against. How scores work.
Not Available or Unverified in Mississippi
Check availability: Old Republic Home Protection, HSA Home Warranty, Home Warranty of America, Select Home Warranty, ServicePlus Home Warranty
These companies serve only some states and we have not verified Mississippi. They appear in the comparison table marked "Check". Ask the company before you rely on them.
How Mississippi Regulates Home Warranties
Regulator
Mississippi Insurance Department and Attorney General (role not confirmed)
Legal framework
Consumer Protection Act applies; licensing not confirmed
Mississippi's former home warranty association statutes were repealed in 2003 according to the legislative history we found, and a 2006 bill describes existing law as treating the marketing, sale and administration of service contracts as outside the insurance code and subject to the Mississippi Consumer Protection Act. Two 2003 bills proposed the same treatment: Senate Bill 2458 died in a House committee, and we did not confirm the outcome of House Bill 1073. We could not retrieve the current Code section, so we could not confirm a current home warranty licensing program. Ask the Insurance Department.
Type of rules: Not confirmed. The sources we found did not settle how the state regulates home warranties. Ask the state insurance regulator before you buy.
Not confirmed. We did not find an official source that settles this, so ask the regulator. Researched October 2026; laws and agency pages change, so confirm with the regulator before you rely on a detail.
Sources for this section
- Mississippi Legislature: Senate Bill 2026 (2006), text quoting Section 75-24-91
- Mississippi Legislature: Senate Bill 2458 (2003) history
- 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 Mississippi Homeowners
Ask who regulates the company
The sources we found did not settle how Mississippi regulates home warranties. Ask your state insurance department, using the NAIC directory, before you buy.
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
5 companies in our data serve only some states and are marked "check availability" for Mississippi. Confirm with the company that your address is covered before you spend time on a quote.
Filing a Complaint in Mississippi
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. Mississippi'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.
Mississippi Attorney General: consumer complaint form
The form asks which other agencies you have contacted. By signing it you consent to the office using your name in any later legal action, so read that line before you submit.
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 - Mississippi
Which home warranty companies serve Mississippi?
What is the best home warranty company in Mississippi?
Which home warranty plan has the highest HVAC coverage in Mississippi?
How much does a home warranty cost in Mississippi?
How does Mississippi's climate affect which plan to buy?
Where do I file a home warranty complaint in Mississippi?
How are home warranties regulated in Mississippi?
Neighboring States
Compare All Mississippi-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves Mississippi, 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.