Our team selected American Home Shield as the best home warranty provider in Arkansas because it offers higher coverage limits for systems and appliances and protects items with existing issues or damage. Choice Home Warranty also stands out for its affordable, comprehensive coverage options.
In Arkansas, where extreme weather conditions can strain home systems and appliances, a home warranty offers financial protection against unexpected repair costs. We researched 13 leading home warranty providers to find the best choices for Arkansas homeowners. Keep reading to discover our complete list of recommended providers in the state.
Key Takeaways
- American Home Shield tops our list of Arkansas home warranty companies list, reflecting our 2025 survey, in which nearly 29% of state residents also chose the provider.
- A home warranty in Arkansas typically costs $54–$74 per month, or $638–$872 per year.
- Our survey of 2,000 home warranty customers nationwide found that about 29% of Arkansas homeowners selected plumbing as their top system that needed coverage.
Top 5 Home Warranty Companies in Arkansas
Here are our top choices for Arkansas home warranty companies:
- American Home Shield: Best for Comprehensive Coverage
- Choice Home Warranty: Best Basic Plan Coverage
- Elite Home Warranty: Best for Customized Coverage
- First American Home Warranty: Best for High-End Items
- AFC Home Warranty: Best Technician Flexibility
Summary of the Best Home Warranty Companies in Arkansas
We chose the top Arkansas home warranty providers using our detailed review standards, which include evaluating each company’s plan options, customer support, pricing, and brand reputation. Below we compare our top picks based on key criteria, such as Better Business Bureau (BBB) ratings and costs.
| Company | Logo | Star Rating | BBB Rating | Monthly Cost | Service Fee |
|---|---|---|---|---|---|
American Home ShieldGet Quote |  | B | $36–$100 | $100–$125 | |
Choice Home WarrantyGet Quote |  | B | $60–$68 | $100 | |
Elite Home WarrantyGet Quote |  | B | $45–$60 | $70 ($150 for after hours and weekends) | |
First American Home WarrantyGet Quote |  | B | $77–$130 | $100–$125 | |
AFC Home WarrantyGet Quote |  | B | $44–$82 | $75–$125 |
Note: The pricing information in this table is based on average costs from sample quotes for single-family homes under and over 5,000 square feet across all 50 states. Your pricing may vary depending on your home’s location, size, type, and plan selections.
BBB ratings are accurate as of March 2025.
Arkansas Home Warranty Company Reviews
Below are detailed reviews of our top-rated Arkansas home warranty providers.
American Home Shield
American Home Shield (AHS) offers comprehensive coverage plans with flexible service call fees and generous coverage limits. It also offers liberal coverage with unique item conditions, such as unknown preexisting condition coverage, which other providers typically exclude.
Why We Chose American Home Shield
Homeowners can choose from three comprehensive coverage plans and two service fees to find ideal coverage. American Home Shield includes coverage for rust, sediment, and corrosion damage. Homeowners with older systems and appliances should consider American Home Shield for a provider.
Pros and Cons
Pros
- Manages a network of more than 15,000 expert technicians
- Offers generous coverage caps on major systems and appliances
- Provides 24/7 customer service
Cons
- Does not include an annual premium option
- Only offers six add-on coverage options
Plans and Pricing
American Home Shield has three plans: ShieldPlatinum, ShieldGold, and ShieldSilver. Its ShieldPlatinum plan offers the most comprehensive protection and includes 23 systems and appliances, such as plumbing and electrical systems, refrigerators, and dishwashers. This plan also includes coverage for rekey services, an HVAC tune-up, and air filter discounts.
Additionally, the company offers add-on coverage for pools, spas, septic pumps, and well pumps. It also offers an electronics extended warranty and coverage on guest units under 750 square feet, which you’re unlikely to find with other home warranty companies.
When we pulled a sample quote, we had options for a service call fee of $100 or $125. AHS includes a 30-day workmanship guarantee with its plans, which is lower than some other providers.
Here’s an overview of American Home Shield coverage:
- ShieldSilver ($26 per month): The lowest plan includes home systems, such as heating, cooling, and electrical.
- ShieldGold ($36 per month): The next tier includes ShieldSilver protection and adds appliance coverage.
- ShieldPlatinum ($102 per month): The highest plan includes ShieldGold items, plus added benefits, such as covered code violations.
- Optional add-ons: Add-on coverage includes electronics, pools/spas, guest units, septic pumps, and well pumps.
Our Experience with American Home Shield
Our American Home Shield tester filed a claim for a bathroom and kitchen floor leak and found the process simple and fast. He submitted the claim via his smartphone, quickly receiving confirmation and a call from a local contractor offering flexible appointment times. The contractor arrived early the next day, completed the repair within two hours, and provided helpful advice on mold prevention. The tester was satisfied with the service and only paid the service call fee.
Choice Home Warranty
Choice Home Warranty offers Arkansas homeowners some of the most affordable comprehensive plans available based on our review. Choice’s plans feature solid $3,000 coverage limits for most items and cost less than $70, making it a good option for budget-conscious homeowners.
Why We Chose Choice Home Warranty
The company has two plan options that target key systems and appliances, providing mid-tier coverage limits to help reduce repair costs. Plans also include a 90-day guarantee on parts and 60 days for labor, offering peace of mind and reliable protection with each service appointment.
Pros and Cons
Pros
- Includes $3,000 coverage limits for most systems and appliances
- Offers 10 add-on options including roof-leak and secondary appliance protection
- Provides a 90-day guarantee on parts and 60 days for labor
Cons
- Currently involved in an ongoing legal case with the Arizona Attorney General’s office
- Only offers one service call fee, limiting pricing customization options
Plans and Pricing
Choice Home Warranty offers two plans: the Basic Plan and the Total Plan. The Basic Plan covers 14 systems and appliances, while the Total Plan covers 18 items. We should note that the Basic Plan doesn’t include some common household items such as air conditioning and laundry appliances. To receive this coverage, you must move to the Total Plan. Both plans include $3,000 limits for covered items.
Homeowners pay a $100 service call fee per claim, with no additional rates available. Most providers offer multiple fee structures that can help reduce monthly costs.
You can choose between monthly and annual premiums for Choice’s home warranty service. However, when we pulled a sample quote, we noticed the company charges an additional $0.50 fee per month for monthly payments.
Here’s an overview of Choice Home Warranty plans:
- Basic Plan ($64 per month): The plan covers 14 systems and home appliances, including heating, plumbing, and water heaters.
- Total Plan ($73 per month): This higher-tier plan increases coverage to 18 items, including air conditioning, clothes washer and dryer, and refrigerators.
- Optional add-ons: Choice offers 10 options, including central vacuums, limited roof leak, septic systems, and well pumps.
Our Experience with Choice Home Warranty
Our Choice Home Warranty tester filed several claims, including one for a malfunctioning appliance. After quickly reaching an agent, she was directed to the online portal to submit her issue. Service timing and quality varied, with some contractors resolving issues promptly, while others required multiple visits or left problems unresolved. Appointment times ranged from one day to one month, leading to some frustration on behalf of our tester.
Elite Home Warranty
We recommend Elite Home Warranty for homeowners who want flexible premiums and coverage. The company offers three base plans with a standard $70 service call fee—a lower rate than with many providers—and over 30 add-on options.
Pros and Cons
Pros
- Includes a 90-day workmanship guarantee for completed repairs
- Offers higher coverage limits for high-end appliances
- Provides over 30 add-on options for plan customization
Cons
- Charges a higher service call fee for high-end appliance repairs and weekend visits
- Excludes workmanship guarantee on repairs done by an out-of-network technician
Plans and Cost
The company provides a $15,000 annual limit across all plans, with $7,000 allocated for appliances and $8,000 for systems—higher than many other providers we’ve reviewed. However, claim limits differ by coverage item. For instance, air conditioners include up to $4,000 in coverage, while electrical systems have a $2,000 cap.
Below are the details of Elite’s coverage plans:
- Elite Appliances ($45 per month): The appliance-only plan covers eight essential appliances, including cooktops, clothes washers, and dishwashers.
- Elite Systems ($50 per month): This system-only plan covers eight home systems, such as air conditioning, heating, and electrical systems.
- Elite Complete ($60 per month) The highest plan tier combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection.
The company has a standard service call fee of $70. However, Elite charges $150 for high-end appliance repairs and service calls after hours or on the weekend.
Elite offers over 30 add-on options, one of the largest catalogs we’ve seen from a home warranty company. Based on our research, most providers offer 8–15 options. Elite’s add-on coverage limits vary by item, but have a $5,000 total limit per term.
We’ve highlighted some of Elite’s most attractive add-on options below:
- Annual HVAC maintenance
- Pool and spa equipment
- Geothermal heating and cooling systems
- Septic system
- Sewer lines
Our Experience with Elite Home Warranty
Our Elite Home Warranty tester submitted a claim for a broken high-end dishwasher. After submitting the claim online, he received a call from a claims specialist within 30 minutes and was scheduled for a next-day appointment. The technician arrived but needed to order out-of-stock parts, returning the following Monday to complete the repair. The repair was finished within an hour.
First American Home Warranty
First American Home Warranty offers comprehensive coverage for your home’s systems and appliances at an affordable monthly price. First American bundles its Essential and Premium plans with the First American Advantage upgrade. It covers miscellaneous fees such as appliance removal and code violations. Note that the Starter Plan doesn’t include air conditioning coverage–you need to purchase it as an add-on.
Why We Chose First American Home Warranty
First American includes a generous appliance limit in all its plans. Homeowners receive a $3,500 limit for the two lowest plans and $7,000 for its most comprehensive coverage plan. The First American Advantage upgrade enhances item coverage by including unique conditions such as improper maintenance, modification, and installation. We recommend choosing First American if you own high-end appliances.
Pros and Cons
Pros
- Covers working appliances and systems regardless of age
- Increases appliance and system coverage caps in the Premium Plan
- Offers generous $3,500 coverage caps per appliance in Starter and Essential plans
Cons
- Covers air conditioning only as an add-on in the Starter Plan
- Excludes some home systems coverage in its lowest plan
Plans and Pricing
First American Home Warranty offers three plans: the Starter Plan, the Essential Plan, and the Premium Plan. Homeowners can choose between a $100 or $125 service call fee. Based on our sample quote, we learned that choosing a higher service call fee results in lower premiums. First American backs its repairs with a 30-day workmanship guarantee.
First American Home Warranty offers annual and monthly premiums. Unfortunately, First American doesn’t offer perks for choosing annual plans, such as bonus coverage months or discounts. This means there’s no incentive to pay for an annual plan. In the event the annual plan is canceled, the consumer has to wait for their prorated refund, which can take time.
We’ve outlined First American’s plan coverage below:
- Starter Plan ($111 per month): This plan includes built-in microwaves, dishwashers, ductwork, electrical systems, heating, plumbing systems, oven/cooktop, plumbing stoppages, refrigerators, and toilet tanks, bowls, and mechanisms.
- Essential Plan ($133 per month): Coverage includes Starter Plan items and adds air conditioning, ceiling/attic/exhaust fans, clothes washers and dryers, garage door openers, trash compactors, and water heaters.
- Premium Plan ($163 per month): The highest plan covers all items in the Essential Plan and protects full garage door systems, instant hot water dispensers, luxury appliances, shower heads and arms, and window air conditioning units.
- Optional add-ons: Additional coverage options include additional refrigeration, air conditioning for the Starter Plan, HVAC tune-up, limited roof-leak coverage, pool and spa equipment, septic tank systems and pumping, water softeners, and well pumps.
Our Experience with First American Home Warranty
Our First American Home Warranty tester filed a claim for a broken garage door opener and found the process easy to navigate. After submitting the claim online, he received immediate confirmation and contact details for the assigned contractor. The contractor called within an hour to schedule an appointment for the following Monday. The repair was completed on time in 20 minutes, and the tester was satisfied, only paying the service call fee.
AFC Home Warranty
AFC Home Warranty offers great plan flexibility, making it easier to build custom home coverage. It also includes an unlimited workmanship guarantee, offering additional peace of mind.
Why We Chose AFC Home Warranty
Homeowners can choose from four coverage plans, three service fees, and several add-on protections. AFC Home Warranty offers added perks to its customers, such as free credit monitoring and identity theft protection. Each plan includes a workmanship guarantee that lasts as long as your contract period. Homeowners who want more control over their protections and costs should consider AFC Home Warranty.
Pros and Cons
Pros
- Can choose their own technician
- Includes a plan-length workmanship guarantee
- Offers added benefits, including identity protection and credit monitoring
Cons
- Excludes coverage for unknown preexisting conditions
- Must report an issue as soon as it’s detected
Plans and Pricing
AFC Home Warranty offers four plans: the Silver Plan, Gold Plan, Platinum Plan, and Diamond Plan. You can select a $75 or $125 service call fee.
AFC Home Warranty includes an unlimited coverage cap for HVAC systems but limits thermostats to only $80. It offers a $3,000 limit for appliances but might reduce your payout based on your item’s age. AFC Home Warranty applies a depreciation deduction on five-year-old or older items. Coverage includes a plan-length workmanship guarantee.
AFC Home Warranty provides annual and monthly premiums. Our sample quotes included added discounts for choosing an annual or multiyear option. We received a $100 annual discount for a one-year plan and $250 for a three-year option.
Here’s a list of coverage options with AFC Home Warranty:
- Silver Plan (call for a quote): The lowest plan tier covers nine major appliances, including kitchen refrigerators and garage door openers, with coverage caps ranging from $150 to $3,000 per appliance.
- Gold Plan ($44 per month): This plan offers coverage for 15 appliances and home systems, including HVAC and plumbing. Some systems have coverage caps between $150 and $500.
- Platinum Plan ($51 per month): This plan expands coverage to 20 items, including additional appliances and systems like faucets and refrigerator ice makers, with the same coverage caps as the Gold Plan.
- Diamond Plan ($82 per month): The top-tier plan adds coverage for electronics, exterior sewer lines, and exterior water lines, building on the Platinum Plan’s offerings.
- Optional add-ons: Optional coverage includes electronics, in-ground pool, in-ground spa, roof-leak coverage, and septic system.
Our Experience with Elite Home Warranty
Our AFC Home Warranty tester filed a claim for a running toilet and found the online process quick and easy. While communication through phone calls and text messages was frequent, the texts were somewhat overwhelming. The first contractor didn’t resolve the issue, but a second contractor quickly fixed it. The repair took about one-and-a-half weeks, and our tester was satisfied with the outcome, with no out-of-pocket costs for the second visit.
How Does Arkansas Regulate Home Warranties?
While researching Arkansas home warranties, we discovered that the Arkansas Insurance Department is the state’s governing body over home warranties. All service contracts are regulated under Arkansas statute § 4-114-104. You can file any complaints on the department website. In addition, the Arkansas Attorney General’s Office also accepts complaints through its Consumer Protections Division.
How Much Does a Home Warranty Cost in Arkansas?
According to our research, an Arkansas home warranty costs an average of $54–$74 per month, or $638–$872 per year. This is in line with national home warranty costs, which can range from $47–$82 per month or $564–$984 per year. However, your final costs will vary depending on your home’s type, size, and selected coverage.
The following factors could also impact your final pricing:
- Additional annual discounts: Several home warranty companies provide extra savings through annual plans, such as free months of coverage and discounts for first-time buyers.
- Add-on options: Adding extra coverage will raise your monthly or annual premium. We suggest selecting only the coverage you truly need based on your home to avoid over paying.
- Comprehensive coverage plans: Our research showed many comprehensive plans offer better value than stacking multiple add-ons.
What Should You Look For When Buying a Home Warranty in Arkansas?
When selecting a home warranty provider in Arkansas, choose providers that meet your coverage needs and budget. Keep the following considerations in mind while you shop for a provider:
- Brand reputation: Research each company and check for any reputation issues, including ongoing lawsuits or deceptive practices. Read online customer reviews for any common theme concerning bad customer service, broken contracts, or poor technicians.
- Customer support options: We recommend choosing a provider that offers a customer service department that is readily available and reachable. Typical contact methods include phone, email, and online forms. Look for companies with extended office hours or even 24/7 access.
- Transparent policies: Check each company’s sample contracts and review its policies, inclusions, limitations, and services. Companies should fully disclose offered services, service technicians, and plan costs.
What Do Experts Have To Say About Home Warranties?
As part of our research process, we interviewed industry experts with extensive home warranty knowledge and asked them some common homeowner questions. Here are their answers:
- How do I choose the best home warranty company in Arkansas? Patrick Grayson, who is associated with Paramount Property Buyers (an Indianapolis-based real-estate business) pointed out the importance of choosing coverage that suits your home. He said, “Some companies may offer more coverage than others, so make sure to compare all your options.”
- How do I tell if an Arkansas home warranty company is trustworthy? Peter Evering, a Business Development Manager for Utopia Property Management, explained how crucial online reviews can be when determining a company’s trustworthiness. He said, “Reading customer reviews and ratings can provide insights into the experiences of other homeowners and help you gauge the level of customer satisfaction.”
- What important things should I know about the claims process? David Tully, founder of LPT Realty, recommends becoming familiar with your company’s policies as an essential first step. He said, “You need to understand how to file a claim to your provider and how quickly you can expect a response from them. Also, get to know the turnaround time they would take for the repairs and replacements.”
Other Resources for Residents in Arkansas
FAQs About Home Warranties in Arkansas
How do I file a home warranty claim?
Many home warranty providers let you file a claim over the phone or online. Some companies offer additional contact options, such as online chats, for easier communication. Home warranty companies typically take 24–48 hours for processing.
Will a home warranty replace my old AC unit?
Yes, many home warranty companies will include an old air conditioning (AC) replacement as a provided service. However, coverage varies between companies for this service. We recommend checking your home warranty policies for replacement details and coverage limits.
What are home warranty coverage limits?
Home warranty coverage limits are monetary limits placed on covered appliances and home systems. These limits can range from $250–$10,000 or higher. Your home warranty company will cover your replacement or repair up to that limit. If repairs exceed that limit, you are responsible for paying the difference.
Our Rating Methodology
We applied a detailed rating methodology to evaluate each home warranty company we reviewed. Our process involved discussions with company representatives, obtaining quotes, reviewing sample contracts, and conducting surveys and focus groups with homeowners. In addition, we conducted secret shopping and tested 11 leading home warranty providers.
We assessed each provider based on six key factors, which we believe are the most important when choosing a home warranty. We evaluated each provider across these factors, assigning point values based on their relevance to homeowners, with a possible 100 points total. We then converted these scores into a 5-star rating.
Here’s a breakdown of our weighted factors:
- Coverage: We evaluated the extent of each provider’s coverage, including coverage for standard and unique items. Providers offering broader coverage and higher annual limits received higher ratings, while those with long waiting periods or depreciation policies that lowered payouts for older items were rated lower.
- Cost: We analyzed average monthly prices and service call fees. Providers with pricing at or below the industry average, without additional fees, earned the most points.
- Trustworthiness: We reviewed customer ratings on websites like the BBB and Trustpilot and company responses to complaints. Providers with higher ratings and longer workmanship guarantees scored better. We subtracted points for ongoing legal issues.
- Plan transparency: We read the terms and policies in each company’s contract and website. Service contracts with clear and transparent details earned higher ratings.
- Customer support: We evaluated each company’s ease of filing claims, response times, and accessibility of customer support.
- Flexibility: We awarded points to providers with various plan options, larger add-on catalogs, the ability to choose your technician, and customer-friendly cancellation policies.
