American Home Shield is a solid home warranty company that offers a variety of plans to suit what you’re looking for. It’s especially great for new homeowners who have never had to deal with yearly maintenance or who are worried about the condition for their new home.

American Home Shield

It’s also ideal for those homeowners who are aware their home may need some upcoming TLC but who don’t have the time to look into it themselves. Either way, a home warranty plan offers peace of mind.

If you’re just looking for some quick numbers, however, you’re going to be disappointed. American Home Shield doesn’t divulge its monthly rates online. If you want to know, you’re going to have to tell them a little bit about yourself.

Keep reading to find out if American Home Shield is right for you.

American Home Shield Warranty Plans

American Home Shield offers four plans to suit your needs home warranty needs. No matter which plan you choose, the company states that, on average, customers use their services at least two times a year.

Appliance Plan

This warranty plan covers the repair and replacement of appliances most likely to need servicing year to year. With the Appliance Plan you’ll get coverage on:

  • Refrigerators
  • Dishwashers
  • Clothes washers
  • Ovens
  • Clothes dryers
  • Built-in microwaves
  • Free-standing ice maker
  • Garage door opener
  • Trash compactors
  • Built-in food centers

Systems Plan

The systems plan covers household systems less likely to need TLC year to year, but that when needed, can really hurt your bank account. With this warranty plan you’ll get protection on the following:

  • Heating with ductwork
  • Electrical
  • Water heaters
  • Garbage disposals
  • Air conditioning and ductwork
  • Ceiling fans
  • Doorbells
  • Smoke detectors
  • Plumbing (including stoppages)
  • Instant hot/ cold water dispensers
  • Central vacuums
  • Re-Key

Combo Plan

The Combo Plan is American Home Shield’s most extensive home warranty plan. With this plan, you get coverage on both your home’s appliances and systems. This means the plan covers everything included in the previous two plans

The Combo Plan is American Home Shield’s most popular product because it provides warranty protection for all of the major items that keep your home running.

Build Your Own Plan

This plan allows American Home Shield customers to pick and choose where they would like warranty protection. It allows you to choose up to ten home appliances and/or systems you would like to have covered. Don’t have a free standing ice maker or trash compactor, but you do have a water heater and some questionable electrical work? Then this plan is for you.

If you’re interested, refer to both the systems coverage and appliance coverage for a full list of protectable items.

Additional Coverage

If needed, you can also get coverage for the following items in your home:

  • Pool and spas
  • Well pump
  • Septic pump
  • Guest unit

These can be added on to any of the other plans to create a truly customizable warranty home plan.

How to Get a Quote from American Home Shield

American Home Shield doesn’t list its quotes online because each person has different needs depending on where he or she lives. To get your quote you can either call or submit your information online. To call, simply dial (888) 247- 3492.

To get an online quote, you’ll need to provide the following information:

  • Full name
  • Street address
  • City and state
  • Zip code
  • Phone and email

If you choose online, just know that American Home Shield may contact you by either phone or email if they have any further questions about your property.

Is American Home Shield Right for You?

Here are a few things pros and cons to think about when considering American Home Shield.

Easy Claims Process

If you have an issue with an American Home Shield protected item, service takes place in four easy steps.

  1. Call or request service online. If you do it online, American Home Shield will first request your warranty information, and from there will gather information on which insured item needs servicing.
  2. American Home Shield will find a reputable contractor to send to your house to diagnose and repair whatever needs maintenance.
  3. You pay a small service fee, which will range anywhere from $75 to $125.
  4. Your serviced item is either repaired or replaced.

Standard Limitations

There are limitations to what they will cover and won’t (which is standard in this industry). All disclosures can be found on their website.

For example, for refrigerators, American Home Shield will cover all replacements due to normal wear and tear up to $3,000, which includes parts and labor. However, they won’t repair or replace your freestanding freezers, multimedia centers on refrigerator doors, or wine chillers.

For electrical, they’ll repair direct current wiring, light fixtures, and attic, vent and exhaust fans. American Home Shield won’t repair telephone wiring, faceplates, or anything that is audio, video, intercom, alarm, computer, or security related. They also won’t repair any wiring damaged by circuit overload.

As you can see, though there are exclusions, they won’t affect most homeowners needing repairs.

How much does it cost?

American Home Shield doesn’t list prices. This is because they use a holistic approach when pricing. Your home’s location, size, and components all affect how much you’ll pay. Obviously, if you have a big house, you’ll pay more for monthly coverage than others.

How much you’re willing to pay for a service call fee ($75, 100, $125) also affects your monthly rate. The higher you’re willing to pay, the lower your monthly bill will be.

Special Features

American Home Shield has a lot of things helping it stand out against other home warranty companies. Here are the top four.

They’ve helped a lot of people: American Home Shield has serviced more than 1.7 million people since its inception.

They’re an established company: In 2021, American Shield will celebrate its 50th anniversary. If you’re afraid you’re going to pay a monthly rate only to see them not cover it, don’t be. In fact, they’ve distributed over $2 billion in claims just since 2013.

They work with 14,000 contractors: If you’ve ever worked with contractors before, you know good ones are hard to find. American Home Shield only works with contractors they trust. The fact that they have almost 14,000 across the country is extremely encouraging.

They’re nationally recognized: Consumer Advocate rates American Home Shield the #1 choice in home warranties; received the Women’s Choice Award from 2014 to 2017; Consumer Affairs Accredited; received the 2014 Best in Service Award from Home Warranty Awards; received a Top-Rated Award from 2015-2018 from Home Warranty Awards; and is a BBB Accredited Business.

Bottom Line

American Home Shield offers a variety of home warranty products so you can choose between what you need to cover and what you don’t. One drawback to their company model is their pricing setup. Though flexible, it makes it difficult to compare when shopping online. You have to give them your personal information before you can get a quote. This is unfortunate for buyers on the fence.

Fortunately, the quote process doesn’t take long. Hopefully, in the future, they’ll adopt a pricing model where customers can key in specific (but not overly detailed) information so they can quickly price compare.