Home Warranty

7 best home warranty companies in Oxford, Mississippi

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

Our Methodology

We've ranked the top 7 home warranty companies that operate within 50 miles of Oxford. We base our ranking off average customer ratings weighted against the number of reviews. For more information, check out our full methodology.

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Oxford, MS

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Home warranties offer a financial buffer to repair or replace appliances that suddenly fail. For a monthly fee, these policies cover items such as AC units and refrigerators when they stop working due to regular wear and tear.

Many crucial home components start having issues before hitting the 10 to 15-year mark, according to the International Association of Certified Home Inspectors. HVAC systems typically malfunction after just seven to 25 years. Water heaters normally last six to 12 years, and most appliances today stop working after about 20 years.

If your Oxford house contains any aging dishwashers, furnaces or other appliances, you'll likely face an unexpected breakdown. These best home warranty providers offer robust coverage at reasonable prices.

Oxford's wet, cool weather strains roofs and HVAC systems, so we recommend a home warranty to protect yourself from unexpected breakdown repair costs. The providers we recommend offer strong coverage options and even a few added perks.

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Find the best home warranty for you in Oxford

Here's our list of the best home warranty companies in Oxford:

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

Average monthly costs: $22.00 - $80.00

2-10 offers flexible service fees and perks like an appliance color-match program. Through its "Even If" guarantee, it also refunds service fees if repairing or replacing a covered item isn't possible.

What we like

Offers a $25,000 annual coverage cap
Pairs plans with a plan-length workmanship guarantee
Offers unique perks such as color matching appliance replacements

What we don't like

Charges a monthly processing fee if you choose monthly premiums
Excludes washer and dryer coverage from most plans

Liberty Home Guard

4.6/5

EXPLORE PLANS

Average monthly costs: $49.99 - $59.99

Liberty Home Guard offers the largest number of optional add-ons compared to any provider in this article — 38 in total. It also has plans featuring a 60-day workmanship guarantee on completed repairs.

What we like

Holds high ratings among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Offers an extensive list of 40+ add-on coverages
Provides an easy claims process

What we don't like

Lacks transparency on service call fee pricing
Excludes coverage for known or unknown pre-existing conditions

Elite Home Warranty

4.4/5

EXPLORE PLANS

Average monthly costs: $48.98 - $59.99

Elite Home Warranty has a fully customizable coverage plan you can design based on your coverage needs. It also includes a lengthy 90-day workmanship guarantee.

What we like

Allows you to choose your technician
Extends a 90-day workmanship guarantee
Offers more than 25 add-ons

What we don't like

Charges higher service fees for high-end appliances
Doesn't provide an online quote
Limits repair and replacement coverage caps for older items

American Home Shield

4.4/5

EXPLORE PLANS

Average monthly costs: $29.99 - $89.99

Founded in 1971, American Home Shield was one of the country's first home warranty companies. Today, it offers three coverage plans and six supplementary add-ons.

What we like

Offers generous coverage caps
Allows customers to build their own plans
Provides the option to choose the service fee you want to pay

What we don't like

Doesn’t let customers choose their own technician
Offers limited add-on options

First American Home Warranty

4.2/5

EXPLORE PLANS

Average monthly costs: $47.00 - $87.00

First American provides generous appliance coverage maximums in every plan. If you add the First American Advantage upgrade, miscellaneous items like appliance knobs and dials could also get protection.

What we like

Allows you to choose your service call fee
Doesn’t have a coverage cap on heating, cooling, or ductwork
Accepts 24/7 service calls
Offers replacement of some covered items that are too damaged to repair

What we don't like

Doesn’t let customers choose their own contractor
Charges higher for coverage compared to other providers

Cinch Home Services

4.3/5

EXPLORE PLANS

Average monthly costs: $38.99 - $66.99

Cinch is known for offering unique perks such as homeowners insurance deductible reumbursement and adjustable service fees and premiums.

What we like

Offers home insurance deductible of $500
Extends a long 180-day workmanship guarantee
Provides generous $10,000 aggregate coverage limit

What we don't like

Charges high service fees of $100-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska

Select Home Warranty

3.9/5

EXPLORE PLANS

Average monthly costs: $44.42 - $47.75

Select Home Warranty pairs all plans with roof-leak repair coverage. It also charges low plan premiums.

What we like

Provides low service fees compared to other home warranty providers
Includes two extra months of coverage in annual signup
Has an appliance-only, systems-only, and combo plan option

What we don't like

Has a $75 cancellation fee
Low coverage caps

Cost of a home warranty in Oxford

You'll typically pay $41-$70 per month for a home warranty in Oxford, on par with the national average. Opting for annual payments means spending anywhere between $563.62-$927.48 for the year. To find the average home warranty plan cost, we requested hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

Home warranties provide coverage for various major systems and appliances, but they're not a substitute for homeowners insurance. Below, we'll summarize what coverage a warranty typically includes and excludes.

What are the typical items covered under a home warranty?

Refrigerators
Built-in microwaves
Washing machines
Dishwashers
Clothes dryers
Cooktops

The first category of items a home warranty provides coverage for is kitchen appliances and household items. This covers the following: When you purchase a home warranty, you're also getting coverage for major home systems. While different plans have different coverage scopes for this category, the following systems can be covered:

HVAC
Electrical
Central vacuum
Plumbing
Water heater

What items are typically not covered under a home warranty?

Each home warranty has exclusions, which are the items and circumstances it will not cover. Your contract will outline each exclusion upfront, so read carefully before you sign. One common exclusion is breakdowns caused by damage outside of normal wear and tear. For example, the warranty would probably not cover an air conditioner malfunctioning due to a dirty air filter, since replacing the filter is a part of routine maintenance. Home warranties also don't cover rust or corrosion damage, acts of nature, preexisting conditions, hazardous waste, cosmetic damage and improper system or appliance installation.

Questions to ask home warranty providers in Oxford

Ask each home warranty provider these questions before you purchase a plan.

What items would my policy cover?

Make a list of the appliances and systems you need covered before getting home warranty quotes. This way, you can find a provider that includes them. Some providers separate appliance and system coverage. Many companies also sell optional add-ons, covering things like septic tank pumping and roof leaks. Consider whether any add-ons fit your situation.

How long is my home warranty good for?

Generally, home warranty contracts last for one year after the coverage effective date, which is 30 days after the initial sign-up date. Companies require this 30-day waiting period to stop customers from filing claims for preexisting conditions. Purchasing a multiyear plan extends protection beyond the standard 12-month term.

What contractors do you work with?

When researching a home warranty company, ask which service contractors it partners with in your area. Many home warranty companies allow you to select your own local contractor if they don’t have an in-network provider near you. The contractor must be licensed and registered in Oxford to obtain repair approval from the home warranty provider. You can verify a contractor's license by searching the Mississippi State Board of Contractors database.

How does your claims approval process work?

Each company's claims process is slightly different from the others. If a covered issue strikes, you could file a claim online or over the phone. Most companies try to address claims within one to two days, though there might be processing delays if you filed outside normal working hours. Once you submit your claim, the warranty company will review it and connect you to an in-network service contractor. The contractor will set up an appointment to diagnose the problem, and then seek final authorization from the warranty company for any required repair work.

Can I transfer my policy to the next owner of my home?

Most home warranty companies allow you to transfer your policy to a new homeowner if you need to move. Sometimes, transfers are free, and other times, the company will levy a transfer fee for the service. Sellers can also purchase special home warranty plans that are readily transferable to prospective buyers. This is an easy way to make your home more attractive to your home in a competitive real estate market and give the buyer extra reassurance.

Home warranty contract fine print

Before buying a home warranty, examine the company's sample contracts and policies. Understanding a provider's terms and conditions can help you determine if they're a suitable choice for you. It'll also help you stand up for your rights if you need to file a claim. Look for these key stipulations and clauses:

Service call fee: Whenever you file a claim, the warranty company or repair provider will charge a service call fee ranging from $75 to $125.
Workmanship guarantee: Workmanship guarantees temporarily shield you from additional service call fees if an in-network technician failed to completely fix a covered issue. Most guarantees are 30 days long, though some companies offer longer periods.
Exclusions: Pay extra attention to the exclusions a provider lists in its fine print. For example, most home warranty sample contracts detail component exclusions for each item under coverage.
Coverage limit: Your home warranty's coverage limit is the limit on how much the company can pay per claim. A warranty contract could also have other stipulations, like annual coverage limits.
Cancellation: You'll typically find the warranty company's cancellation policy inside the sample contract fine print. Depending on the company, if you cancel within the first 30 days of enrollment, you might receive a full refund of the entire premium.

Facts about Oxford

Average High in July

89°F

Oxford

83°F

National Average

Average Low in January

33°F

Oxford

17°F

National Average

Average Daily Sunlight

69%

Oxford

69%

National Average

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Our methodology for selecting home warranty providers

We review national home warranty providers against our full home warranty methodology. We score warranty providers based on coverage options and limits, price, brand reputation, customer service, extra features and availability.

Editorial note: The name “Homefront” refers to the alliance between USA TODAY and Home Solutions that publishes review, comparison, and informational articles designed to help USA TODAY readers make smarter purchasing and investment decisions about their home. Under the alliance, Homefront provides and publishes research and articles about home service and home improvement topics. Homefront has an affiliate disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Homefront editorial staff alone (see About Homefront). Homefront adheres to strict editorial integrity standards. The information is believed to be accurate as of the publish date, but always check the provider’s website for the most current information. Go back to top

Our editors may use AI as an input tool to tailor information in local markets. All content goes through a rigorous research and review process led by our team of writers and editors.

7 best home warranty companies in Oxford, Mississippi

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