Home Warranty

6 best home warranty companies in Pine Bluff, Arkansas

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

Our Methodology

We've ranked the top 6 home warranty companies that operate within 50 miles of Pine Bluff. 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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You might be considering a home warranty to protect important home systems and appliances. For a monthly fee, these policies cover repair and replacement costs when items such as refrigerators and AC units break down from normal wear and tear.

Many essential home components won't last over 10–15 years before needing service, according to the International Association of Certified Home Inspectors. HVAC systems typically operate for seven to 25 years. Water heaters tend to last just six to 12 years on average, and most major appliances go kaput in under 20 years.

If your Pine Bluff home has a furnace, dishwasher or any other everyday appliance within that age range, you will likely experience an unexpected breakdown. The top three home warranty companies listed below provide generous coverage at affordable rates.

Pine Bluff's frequent rainfall can strain your home's roof and HVAC systems. We advise getting a home warranty to limit the cost of an unexpected home heating breakdown or roof leak. The companies below offer solid major system and appliance coverage and 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 Pine Bluff

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

Liberty Home Guard

4.6/5

EXPLORE PLANS

Average monthly costs: $49.99 - $59.99

Liberty Home Guard offers plans with a 60-day workmanship guarantee on completed repairs. Compared to other providers in this piece, it also provides the largest number of coverage add-ons – 38 in total.

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 offers fully customizable plans with 90-day workmanship guarantees. Customers can build a unique coverage solution that meets their needs.

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

An industry veteran, American Home Shield has been in business since 1971. It provides three coverage plans and six optional 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 is known for its comprehensive appliance coverage caps. With an Essential or Premium plan that has the First American Advantage upgrade, you could also get coverage for miscellaneous components, including appliance knobs and dials.

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 has some unique home warranty offerings and coverage perks, including homeowners insurance deductible reimbursement. Just like many other companies, it also offers flexible service fees that give you a greater say in your premium.

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

Roof leak repair coverage is a rare perk that Select offers to its customers. It's also a good company to keep on your shortlist if affordable premiums are your top priority.

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 Pine Bluff

The typical monthly cost of a home warranty in Pine Bluff is $41 to $70, on par with the national average. If you're paying on an annual basis, expect to spend roughly $563.62–$927.48 per year. To calculate national cost data, we requested hundreds of quotes for 2,000-square-foot, single-family homes across each state that the providers service.

Home warranty coverage

Home warranties cover various appliances and major systems, 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?

Washing machines
Cooktops
Dishwashers
Refrigerators
Built-in microwaves
Clothes dryers

The first category of items a home warranty provides coverage for is kitchen and living appliances. This consists of the following: The second category of covered items under a home warranty is major systems. Not every plan covers the same major systems. However, you can find coverage for any of these items:

Plumbing
Water heater
Electrical
HVAC
Central vacuum

What items are typically not covered under a home warranty?

Just like other service contracts, home warranties will not provide coverage for certain items or events. Your contract calls these exclusions. One thing that home warranties exclude is damage outside of normal wear and tear. For example, the warranty company could reject a claim for an AC breakdown if a dirty air filter is the cause. This is because replacing the air filter is a part of routine maintenance. Home warranties also don't cover preexisting conditions, acts of nature, improper system or appliance installation, cosmetic damage, hazardous waste and rust or corrosion damage.

Questions to ask home warranty providers in Pine Bluff

Before purchasing a home warranty coverage plan, we recommend asking providers the following questions.

What items are covered by my policy?

Make a list of the appliances and systems you need covered before getting home warranty quotes. This way, you can find a company that includes them. Some providers separate appliance and system coverage. Companies might also offer additional coverage, like roof leak and central vacuum protection, as add-ons. Consider what supplements you might need and how much they'll add to the cost.

How long is my home warranty good for?

A typical home warranty plan is valid for one year from the coverage effective date, which is 30 days after the initial sign-up date. The 30-day waiting period acts as a way to stop customers from filing claims for preexisting conditions. You may extend the 12-month policy term by purchasing a multiyear plan.

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 providers allow you to choose your own local contractor if they don’t have an in-network provider near you. The contractor must be licensed and registered in Pine Bluff to obtain repair approval from the home warranty provider. You can verify a contractor's license by searching the Arkansas Contractors Licensing Board database.

How does your claims approval process work?

Knowledge of your warranty company's claim process makes all the difference between an approval and a denial. If you're facing a covered issue, you can usually file a claim via a phone hotline or through the web. While most claims should have a 24 to 48-hour response time, there might be delays if you filed outside standard business hours. After you file your claim, a staff member will examine your claim and connect you with a networked repair service. The contractor's team will schedule a meeting with you to examine the appliance and diagnose the problem. Once the company grants final approval, the contractor can proceed with repairs.

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

If you're selling your home, you may be able to transfer your policy to the new homeowner. Some companies oversee the transfer for free, while others levy a transfer fee. Sellers can also purchase special home warranty plans that are readily transferable to prospective buyers. This is a simple way to make your home more attractive to your home in a competitive real estate market and provide the buyer extra reassurance.

Home warranty contract fine print

Before buying a home warranty, review the company's sample contracts and policies. Understanding a provider's terms and conditions can help you decide whether they're a good fit for you. It'll also help you advocate for yourself if you need to file a claim. Look for these key stipulations and clauses:

Workmanship guarantee: Home warranties generally have workmanship guarantees of at least 30 days. If an in-network technician attempted to repair your appliance or system, and you keep experiencing issues with it, the company won't assess an additional service call fee for new repairs.
Coverage limit: The coverage limit sets the maximum dollar amount for how much the home warranty company will pay per repair. There may be additional stipulations, such as an annual coverage limit.
Service call fee: Each time you file a claim, the warranty company or repair provider will charge a service call fee ranging from $75 to $125.
Cancellation: You'll usually see the warranty company's cancellation policy within 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.
Exclusions: Pay special attention to the exclusions a warranty company lists in its fine print. For example, most home warranty sample contracts outline component exclusions for every item covered.

Facts about Pine Bluff

Average High in July

92°F

Pine Bluff

83°F

National Average

Average Low in January

33°F

Pine Bluff

17°F

National Average

Average Daily Sunlight

70%

Pine Bluff

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.

6 best home warranty companies in Pine Bluff, Arkansas

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