Arkansas summers are hot and humid, which means Arkansas homeowners need a fully functioning air conditioner in their homes. A home warranty can be a worthwhile investment if you’re concerned your savings account can’t cover unexpected home repairs.
We at the Home Media reviews team have analyzed the best home warranty companies based on price, coverage options, reputation and additional benefits. This guide covers the providers that offer the best coverage in Arkansas.
The 5 Best Home Warranty Companies in Arkansas
Here are our picks for Arkansas homeowners looking for a home warranty:
American Home Shield
American Home Shield (AHS) is our editors’ choice for a variety of reasons: it covers improperly maintained or installed home items, offers generous coverage caps ($3,000 or $6,000 depending on your plan), and has more than 50 years of experience serving homeowners. AHS is the only provider on our list that covers rust, corrosion and sediment damage, plus it doesn’t exclude coverage for pro-series appliances.
Pros and Cons of American Home Shield
Review key pros and cons of American Home Shield:
+ Covers up to $10 per pound of air conditioning refrigerant
+ Includes air conditioner access repair coverage through unobstructed walls/concrete up to $1,000
+ Provides roof-leak coverage in its ShieldPlatinum plan
– Charges higher monthly premiums compared to other top providers
– Guarantees service repairs for only 30 days
Plans and Coverage
American Home Shield offers three home protection plans. The ShieldSilver plan covers major appliances. The ShieldGold plan protects major systems alongside appliances. The ShieldSilver and ShieldGold plans include a $3,000 coverage cap per covered item. The company’s flagship plan, ShieldPlatinum, covers appliances and systems plus roof-leak protection. It also increases the coverage cap to $6,000 per covered item.
The table below highlights the items covered by American Home Shield.
AHS provides a few add-on options:
- Electronics protection
- Guest unit under 750 square feet
- Pool and spa
- Roof-leak repair
- Septic pump
- Well pump
Based on the quote we obtained for a 2,000-square-foot single-family home in Sherwood, Ark., you can expect to pay between $55 and $110 per month, depending on your selected plan and service call fee.
The table below outlines American Home Shield’s monthly premium per plan for each service call fee.
Get your quote: Fill out American Home Shield’s quote form or call 844-529-9298 to request your free quote.
To learn more: American Home Shield review
Liberty Home Guard
Liberty Home Guard (LHG) is a great choice if your home has multiple air conditioning units. LHG covers a maximum of two units per home, whereas most providers cover one. LHG also consistently scores an A- rating* with the Better Business Bureau (BBB) and covers more than 30 unique home items, such as high-end kitchen appliances and lighting fixtures.
*BBB ratings are current as of August 2022.
Pros and Cons
Check out our key pros and cons for Liberty Home Guard coverage:
+ Covers working systems and appliances regardless of age
+ Includes a $2,000 coverage cap per covered item
+ Provides coverage for two air conditioning units
– Lacks transparency with service call fee pricing
– Requires claims to be filed as soon as discovered
Plans and Coverage
Liberty Home Guard offers three home protection plans: the Appliance Guard, Systems Guard and Total Home Guard. The Appliance Guard covers major appliances and is its most economical plan. The Systems Guard is great if you only need major systems coverage. For those that prefer comprehensive plans, the Total Home Guard includes appliance and systems coverage.
The table below highlights each coverage plan offered by Liberty Home Guard.
LHG’s add-on options consist of these items:
Based on the sample quote we received, expect to pay $50 to $60 per month for Liberty Home Guard coverage. Liberty Home Guard’s service call fee ranges from $65 to $125, depending on your home’s size, type, and location, as well as your selected plan and add-on choices.
The table below highlights Liberty’s monthly plan costs.
Get your quote: Fill out Liberty Home Guard’s quote form or call 866-452-9107 to request your custom quote.
To learn more: Liberty Home Guard review
Select Home Warranty
Select Home Warranty is our pick for budget-friendly home protection. Select offers plans under $50 per month with a low $75 service call fee. It includes roof-leak repair coverage in every plan plus generous coverage caps for HVAC and air conditioning systems.
Pros and Cons
Check out our top pros and cons of Select Home Warranty coverage:
+ Allows claims to be filed within two days rather than as soon as discovered
+ Gives two months of free coverage when an annual service contract is purchased
+ Provides add-on coverage for second refrigerators and freezers
– Doesn’t specify a workmanship guarantee in its sample contract
– Offers low coverage caps ($500 for electrical/plumbing/appliances and $400 for
Plan and Cost Breakdown
Select Home Warranty provides appliance coverage in its Bronze Care plan. Its Gold Care plan covers major systems, and its Platinum Care plan combines coverage for systems and appliances and includes protection for plumbing stoppages and garage-door openers.
The table below highlights Select’s coverage options.
Select Home Warranty’s additional coverage options consist of the following:
Expect to pay $44 to $48 per month alongside the standard $75 service call fee for Select Home Warranty coverage. The table below highlights Select’s monthly premiums in detail:
Get your quote: Fill out Select’s Home Warranty quote form or call 888-370-3956 to request your free quote.
To learn more: Select Home Warranty review
America’s First Choice Home Club
America’s First Choice Home Club (AFC Home Club) offers the most plan and service call fee flexibility compared to the other providers in this article. It provides four coverage plans plus three service call fee options. Another strength of AFC Home Club is its unlimited workmanship guarantee on completed repairs; it lasts the length of your service contract.
Pros and Cons of America’s First Choice Home Club
Check out our key pros and cons of AFC Home Club:
+ Allows you to choose your service provider
+ Extends an unlimited workmanship guarantee on completed repairs
+ Pays up to $25 per pound of refrigerant; the industry standard is $10 per pound
– Excludes coverage for items with unknown preexisting conditions
– Includes a low $1,000 coverage cap for air conditioning systems
Plans and Coverage
AFC Home Club offers four plan options. The Systems Plan covers systems, and the Silver Plan covers home appliances. The Gold and Platinum plans cover both appliances and systems. However, the Platinum Plan adds coverage for items such as plumbing stoppages, faucets, ice makers and built-in microwaves.
The table below highlights AFC Home Club’s plan coverage options.
AFC Home Club provides several add-on options:
Expect to pay $38 to $64 per month for AFC Home Club coverage, depending on your selected plan and service call fee.
The table below displays AFC Home Club’s monthly premiums with each service call fee option:
Get your quote: Fill out AFC Home Club’s quote form or call 877-755-1115 for your free quote.
To learn more: AFC Home Club review
First American Home Warranty
First American Home Warranty is our final recommendation for Arkansas homeowners. The company offers comprehensive home warranty coverage for home appliances and systems at a reasonable price. It’s also a solid choice for older homes because it covers appliances and systems regardless of age.
Pros and Cons of First American Home Warranty
Here is our list of advantages and disadvantages for First American Home Warranty:
+ Doesn’t require a home inspection to provide coverage for your home
+ Provides coverage for working systems and appliances regardless of age
+ Offers a generous $3,500 coverage cap limit per covered appliance
– Excludes home system coverage in its entry-level plan
– Only covers air conditioning as an add-on
Plans and Coverage
First American offers two coverage plans: the Basic and Premier plans. The Basic Plan includes coverage for eight appliances, such as dishwashers and clothes dryers. The Premier Plan covers all eight appliances in the Basic Plan, plus an additional eight home systems. Note that air conditioning coverage is only available as an add-on, whereas most providers include air conditioning coverage in standard plans. Still, First American’s affordable prices and extensive coverage caps make it a solid choice.
The table below shows which items each plan covers.
First American Home Warranty offers several add-on coverage options:
- Central air conditioning (electric)
- First Class Upgrade
- Secondary refrigeration
- Well pump
*The First Class Upgrade includes coverage for cosmetic damage to home appliances and systems, plus coverage for expenses related to removing an appliance, using cranes during installation or local building permits required for replacing appliances.
Expect to pay $40 to $52.50 per month alongside plus a standard $85 service call fee for First American coverage, depending on your selected plan and add-ons.
The table below highlights First American’s monthly plan costs.
Compare Arkansas’s Top Home Warranty Companies
See how our list of providers compare on costs.
The Bottom Line: Which Arkansas Home Warranty is Right For You?
A home warranty financially protects you from expensive breakdowns caused by normal wear and tear. Breakdowns can occur at any time, especially for older home items. We at the Home Media reviews team recommend American Home Shield as our editors’ choice due to its service call fee flexibility and coverage options. Liberty Home Guard offers coverage for multiple cooling systems, and Select Home Warranty includes roof-leak repair in every plan.
We suggest requesting quotes from at least three providers and reading their sample contracts to compare plan costs and coverage options.
Methodology: Our System for Ranking the Best Home Warranty Companies
Our consumers rely on us to provide objective and accurate information — as such, we create a comprehensive rating system to formulate our rankings of the best home warranty companies. This system accounts for a wide range of ranking factors, and we collect data on dozens of home warranty providers to grade the companies on each factor. The end result is a cumulative score for each provider — companies that score the most points top the list.
To ensure our research is as thorough as possible, we call every major home warranty provider directly and speak with representatives to get quotes, specifics on coverage options, availability based on location and additional information. We also review sample contracts to better understand what each plan covers and to identify limitations. In addition, we simulate the process of reaching out to each company’s customer service team to evaluate their level of helpfulness and ability to solve problems.
Once we gather all relevant data, we use the following scoring system to grade each home warranty company on a 100-point scale, then convert the score to a 5-star rating:
- Overall plan options (25 points): Companies that offer a variety of plan options are more likely to meet consumer needs. Thus, we award more points to providers that offer more plans and greater flexibility.
- Cost (25 points): Monthly fees and service fees are both taken into consideration. The lower the fees, the higher the score.
- Trust (25 points): We analyze customer feedback on third-party review sites to gauge the reputation of each company. We deduct points for companies that are currently facing or have recently faced civil lawsuits.
- Customer service (10 points): We base this factor on the responsiveness, friendliness and helpfulness of a company’s customer service team.
- State availability (5 points): Most home warranty companies do not serve all 50 U.S. states. Providers that offer service in the most states score the highest in this category.
- Additional benefits (5 points): Promotions and discounts are among the perks that can make a home warranty more attractive to consumers. Companies that offer benefits that competitors don’t are awarded more points.
- Coverage specifics (5 points): While the total number of plan options is important, it is also essential to consider what is covered under each plan. The more comprehensive the coverage, the better.