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Home Warranty In Arkansas: Comprehensive Guide for 2025

A home warranty in Arkansas is a valuable investment for homeowners looking to safeguard their systems and appliances from unexpected breakdowns. With the state’s diverse weather patterns, aging housing stock, and varying homeowner needs, a home warranty can provide financial security and peace of mind. 

This guide explores Arkansas’s top home warranty providers, evaluates their offerings, and answers key questions to help you make an informed decision.

Top Home Warranty Providers In Arkansas

Arkansas homeowners can access several reputable home warranty companies, each offering unique coverage options. Below are the top providers for 2025:

#1 RATED COMPANY

Elite Home Warranty

  • Premium
    -
    $44.99 - $59.99
  • Deductible
    -
    $0 & $70
  • Coverage Limit
    -
    $7,000
Call Now
Offers
$150 Off + 1 Month Free. 30 Day Free Trial!
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48
States Covered
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Accredited Business
BBB Rating
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$15,000
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Three plans—Elite Appliances, Elite Systems, and Elite Complete—offering protection for appliances, systems, or both.
  • Price: $44.99 to $59.99 per month.
  • Service Fee: $70 (customizable).

Why We Picked Elite Home Warranty

Elite offers immediate coverage with no waiting period, making it ideal for homeowners seeking instant protection. Their customizable plans and service fees provide flexibility, while their robust customer support ensures prompt assistance.
Additionally, Elite Home Warranty’s comprehensive options cater to standard and unique homeowner needs, such as coverage for pools or well pumps. Their focus on customer satisfaction, transparent terms, and fast claims processing make them a reliable and trustworthy choice.

Excellent Services

Home Warranty of America

  • Premium
    -
    $275 - $695
  • Deductible
    -
    $75 - $100
  • Coverage Limit
    -
    $400
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Offers
$150 Off + 1 Month Free*
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50
States Covered
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Not Accredited
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Offers two main plans—Premier and Premier Plus—covering essential home systems and appliances.
  • Price: Monthly plans range from $44 to $60, depending on coverage level.
  • Service Fee: Typically between $75 and $125 per service call.

Why We Picked Home Warranty of America

Home Warranty of America (HWA) stands out for its nationwide coverage and commitment to protecting homeowners against unexpected repair costs. Their plans cater to a wide range of needs, from basic appliance protection to comprehensive coverage, including HVAC systems and premium add-ons. 

Comprehensive Coverage

The Home Service Club

  • Premium
    -
    $51.25 - $62.50
  • Deductible
    -
    $65,$95,$125
  • Coverage Limit
    -
    $800
Call Now
Offers
$75 Off + 1 Month Free
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50
States Covered
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Not Accredited
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Standard and Comprehensive plans covering systems and appliances.
  • Price: Competitive and tailored.
  • Service Fee: Flexible options.

Why We Picked The Home Service Club

Known for its fast service and wide coverage, The Home Service Club simplifies home warranty management with an advanced claims platform.
Their plans cater to standard and unique needs, making them an excellent choice for homeowners seeking versatility. The company’s emphasis on innovation and customer satisfaction ensures a seamless experience.

Best Customer Support

Liberty Home Guard

  • Premium
    -
    $50 - $60
  • Deductible
    -
    $90
  • Coverage Limit
    -
    $2000
Call Now
Offers
$200 Off + 2 Months Free + Free Roof Leak Protection
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50
States Covered
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Not Accredited
BBB Rating
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$2K/Item
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Three plans—Appliance Guard, Systems Guard, and Total Home Guard—covering various home components.
  • Price: Plans start at $49.99 per month.
  • Service Fee: Approximately $90.

Why We Picked Liberty Home Guard

Liberty Home Guard is recognized for its commitment to customer service and providing a hassle-free claims process. Their wide range of coverage options ensures that homeowners can protect essential systems and appliances effectively. Liberty’s strong reputation for reliability and quality repairs makes it an excellent choice for those looking for a provider with proven expertise.

Nationwide Coverage

Regency Total Home Warranty

  • Premium
    -
    $39.99 - $58.90
  • Deductible
    -
    N/A
  • Coverage Limit
    -
    N/A
Call Now
Offers
$300 Off + 2 Months Free + FREE Limited Roof Leak Protection
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50
States Covered
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Not Accredited
BBB Rating
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$5,000
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Essential home systems and appliances.
  • Price: $39.99 per month.
  • Service Fee: Standard rates.

Why We Picked Regency Total Home Warranty

Regency’s straightforward pricing and reliable coverage make it ideal for budget-conscious homeowners. Their commitment to quick claims processing ensures minimal downtime.
Regency also stands out for its focus on customer satisfaction. It provides dedicated support to resolve issues efficiently. Its plans are designed to meet basic needs without unnecessary complexities, offering homeowners peace of mind.

American Home Shield (AHS)

  • Premium
    -
    $29 - $79
  • Deductible
    -
    $100 & $125
  • Coverage Limit
    -
    $6000
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48
States Covered
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Accredited Business
BBB Rating
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5,000
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Three plans—ShieldSilver, ShieldGold, and ShieldPlatinum—covering systems, appliances, or both.
  • Price: $49 to $109 per month.
  • Service Fee: $75, $100, or $125.

Why We Picked American Home Shield (AHS)

AHS is a market leader known for its extensive coverage and flexible service fees. Their large contractor network ensures timely and high-quality repairs, while customizable plans cater to homeowner needs.
The company’s long-standing reputation in the industry is built on its commitment to innovation and reliability. Homeowners benefit from a wide range of add-ons and unique features, such as unlimited coverage caps for specific systems, making AHS a premium choice for comprehensive protection.

America’s First Choice

  • Premium
    -
    $33 - $56
  • Deductible
    -
    $75 - $125
  • Coverage Limit
    -
    N/A
Call Now
Offers
$250 Off + Free Roof Leak Coverage
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50
States Covered
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Accredited Business
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Four plans—Systems, Silver, Gold, and Platinum—covering various systems and appliances.
  • Price: $33 to $52 per month.
  • Service Fee: $75 to $125.

Why We Picked America’s First Choice

AFC allows homeowners to choose their repair contractors, a unique feature that ensures trust and quality. Their long-term plans provide financial stability, making them a standout choice.
In addition, AFC offers extensive coverage options tailored to individual homeowner needs, ensuring a balance of affordability and value. Their emphasis on transparency and customer empowerment sets them apart from competitors.

First American Home Warranty

  • Premium
    -
    $336 - $534+
  • Deductible
    -
    $85
  • Coverage Limit
    -
    $3,500
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35
States Covered
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Accredited Business
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Two plans—Basic and Premier—covering appliances and systems.
  • Price: $47 to $87 per month.
  • Service Fee: $75, $100, or $125.

Why We Picked First American Home Warranty

First American offers unlimited coverage on significant systems, ensuring comprehensive protection. Their fast claims resolution and customer focus make them a top choice.
Additionally, their plans are designed flexibly, catering to standard and extensive homeowner needs. First American’s dedication to reliability and customer satisfaction ensures homeowners’ peace of mind.

ARW Home – American Residential Warranty

  • Premium
    -
    $45 - $84
  • Deductible
    -
    $125
  • Coverage Limit
    -
    N/A
Offers
2 Months FREE* on All Plans
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50
States Covered
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Not Accredited
BBB Rating
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$1K
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Appliances, systems, and optional add-ons.
  • Price: $45.99 to $84.99 per month.
  • Service Fee: $125.

Why We Picked ARW Home – American Residential Warranty

ARW offers extensive coverage options and high payout limits. Their customer-centric policies and transparent pricing provide excellent value.
ARW’s optional add-ons for electronics and advanced systems make it a versatile provider. Their commitment to quick and efficient claims processing ensures homeowners are not left waiting during critical repairs.

Cinch Home Services

  • Premium
    -
    $27.99 ,$32.99,$39.99
  • Deductible
    -
    $100, $125, $150
  • Coverage Limit
    -
    $2,000
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48
States Covered
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Accredited Business
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Appliances, Built-in Systems, and Complete Home Plans.
  • Price: $27.99 to $61.99 per month.
  • Service Fee: $100, $125, or $150.

Why We Picked Cinch Home Services

Cinch excels with innovative features like a digital claims dashboard and a 180-day workmanship guarantee. Their flexible pricing caters to various homeowner needs.
Homeowners also benefit from Cinch’s transparent terms and robust customer support. Their focus on reliability and quality service makes them a strong competitor in the home warranty market.

America’s Preferred Home Warranty (APHW)

  • Premium
    -
    $39.58- $62.08
  • Deductible
    -
    $50, $75, $100, $125
  • Coverage Limit
    -
    $1,000
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49
States Covered
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Accredited Business
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Systems, appliances, or both with customizable options.
  • Price: $40 to $60 per month.
  • Service Fee: $75 to $125.

Why We Picked America’s Preferred Home Warranty (APHW)

APHW stands out for its contractor choice option, which empowers homeowners to select trusted service providers. Their transparent plans and responsive support make them reliable partners.
Furthermore, APHW’s emphasis on flexibility and customer-focused solutions ensures homeowners can tailor coverage to their needs. Their proactive approach to service sets them apart in the industry.

Is a Home Warranty Right for You?

A home warranty can be a crucial investment for Arkansas homeowners, offering protection against unexpected repair costs for essential systems and appliances. However, determining if it’s the right choice depends on your specific circumstances, including the age of your home, your financial situation, and the unique challenges of living in Arkansas. Below, we break down key factors to help you decide.

1. Protecting Against Arkansas’ Unique Climate

Arkansas has a humid subtropical climate that can damage home systems and appliances. From hot, humid summers to occasional severe weather, the state’s climate creates unique challenges for homeowners.

A home warranty helps mitigate these risks by covering repair and replacement costs, ensuring your home remains comfortable and functional year-round.

2. Addressing Aging Homes in Arkansas

Many homes in Arkansas, particularly in older neighborhoods, were built decades ago and have aging infrastructure. Older appliances and systems are more prone to wear and tear, leading to frequent repairs.

A home warranty provides financial relief for homeowners by covering these costly repairs, making it an essential tool for maintaining older properties.

3. Budgeting Benefits

One of the primary advantages of a home warranty is the ability to manage household expenses effectively. With fixed monthly premiums and service fees, a home warranty minimizes the financial uncertainty associated with unexpected repairs.

4. Convenience and Peace of Mind

A home warranty simplifies the repair process for busy homeowners and provides peace of mind.

5. Ideal Scenarios for a Home Warranty

A home warranty is particularly beneficial for:

6. When a Home Warranty May Not Be Necessary

While a home warranty offers numerous advantages, it may not always be the right fit. Consider these scenarios:

Who Oversees Home Warranty Companies in Arkansas?

Home warranty companies operating in Arkansas are regulated to ensure they adhere to state laws and uphold fair practices for consumers. The primary authority overseeing these companies is the Arkansas Insurance Department (AID), which is critical in protecting homeowners by enforcing regulations and addressing concerns.

1. Role of the Arkansas Insurance Department (AID)

The AID oversees all service contract providers operating within the state, including home warranty companies. Their responsibilities include:

By maintaining strict oversight, the AID ensures that Arkansas homeowners can trust the home warranty providers they choose.

2. Filing Complaints with the AID

If homeowners encounter issues with a home warranty company, they can file a complaint with the AID. The process is straightforward:

3. Additional Consumer Protections

The Arkansas Insurance Department enforces several key consumer protections to ensure fair treatment:

4. National Oversight and Voluntary Standards

In addition to state regulations, some home warranty companies voluntarily follow guidelines set by national organizations, such as the National Home Service Contract Association (NHSCA). On the other hand, optional membership reflects a provider’s commitment to high standards and ethical practices. The NHSCA promotes:

5. How Homeowners Can Verify Providers

Before purchasing a home warranty, Arkansas homeowners should:

6. Why Regulation Matters

The Arkansas Insurance Department oversees home warranty companies’ operations transparently and ethically. For homeowners, this means added peace of mind, knowing there is a regulatory body to turn to if issues arise. This protection fosters trust in the industry and ensures homeowners can confidently invest in a home warranty plan tailored to their needs.

The Arkansas Insurance Department ensures home warranty companies comply with state laws. They handle licensing, review policies, and address consumer complaints.

#1 RATED COMPANY

$150 Off + First Month Free

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Conclusion

In conclusion, investing in a home warranty offers Arkansas homeowners significant financial protection and peace of mind. Given the state's diverse climate—ranging from hot, humid summers to cold winters—essential systems like HVAC are subject to increased wear and tear. A home warranty ensures that when critical home systems or appliances fail due to everyday use, the costs of repairs or replacements are covered, alleviating the burden of unexpected expenses.

Moreover, a home warranty simplifies finding qualified technicians, as providers typically have a network of vetted professionals ready to assist. This convenience is particularly beneficial in emergencies, ensuring timely repairs and maintaining the comfort and safety of your home. By selecting a reputable home warranty company that aligns with your specific needs, you can enhance your home's resilience against unforeseen breakdowns and enjoy a more secure living environment.