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Owning a house or condo can be expensive , and that ’s before taking into account the cost to keep appliances and home systems . When HVAC system , refrigerator , or water bullet break down , the cost for haunt or renewal could be significant . Ahome warrantycan slim the out - of - pocket price of such fix work by aid to devote qualified technician to desexualise malfunctioning equipment or even footing the bill to replace gizmo that are no longer ferment and can not be repaired .
American Home Shieldoffers a few different home warrantee policy to cover the cost to fix or replace various contraption and house systems . The company promises to help bring through homeowners money when systems and gizmo around the house inevitably bring out down as a result of wear and tear . American Home Shield strives to urge confidence , noting the big number of appliances and organization that can be covered with its policy , including items that relegate down due to old age , pathetic maintenance , or pre - existing conditions .
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But is American Home Shield worth it ? With our American Home Shield review , we set out to scrutinize the company ’s claims , benefits , and potential issues to see how it compares to other menage warrant alternative .
See more of thebest home warrantee companies , good home warrantee for condo , best home warrant for rental properties , and thebest home base service .
At a Glance
American Home Shield
Our Verdict : American Home Shield offer well - rounded nursing home warrantee policy that will likely invoke to a wide variety of homeowners . With broad reporting choice included in its unlike policy tier — plus the alternative to purchase minimal brain dysfunction - ons for more specialized protective covering — there ’s a good probability homeowners will discover the right coverage to meet their needs . American Home Shield ’s home warranty costs are generally reasonable , but rate and fee will look on the exact term selected by the client . Although American Home Shield supports online processes to get a quote , charge a claim , or manage customer accounts , policyholder can give out to a representative at any time for help with these chore . That balance really highlights the core strength of American Home Shield : Every facet of the client experience is ably executed , and there are no glaring drawbacks with its services that might raise a red flag for possible customers .
American Home Shield Review: Claims
American Home Shield bills itself as a precede home warranty supplier that can help householder save money on repairs and keep their house or condominium in good condition . The company is heedful to make the distinction that it offer home warrantee — not homeowners indemnity — steer out that this type of policy is meant to complement insurance rather than exchange it . American Home Shield also champions the largeness of coverage that is included in its home warranty plans and assures customers that it will compensate to replace any humiliated contrivance or home system that can not be repaired . Such lofty claims are no doubt appealing to many householder , but it ’s important for a potential customer to look at the entire customer experience to intimately understand what to expect as a policyholder .
About American Home Shield
American Home Shield is a home guarantee company that offer year - long service plan to help client yield to renovate or replace failing appliances and home systems . Covered units may include icebox , central aviation - conditioning organization , piddle heaters , and dishwashers , but that will calculate on the type of insurance policy the homeowner pick out . American Home Shield currently sell home warranties in 49 states and Washington , D.C.—the company does not operate in Alaska at this time . Customers may want to mark that sure insurance coverage options may not be available in all states in the party ’s religious service area . ceiling - leak protection , for instance , can not be buy by policyholders live in Hawaii .
American Home Shield ’s coming to home guarantee is very similar to that of other companies in this space . customer can prefer from three help tiers — ShieldSilver , ShieldGold , and ShieldPlatinum — and buy extra insurance coverage through optional minimal brain dysfunction - ons , if necessary . monetary value rate across the dissimilar plan are fairly typical for thecost of a home base warranty , neither significantly undercut or top the rate of many other providers .
When filing a claim on a broken gismo , client will take to pay a technician fee before repairs can be finish . Again , this is not out of the ordinary , as such fees are typically value with any home warranty . Customers do have the option to take a lower technician fee at the time they purchase their insurance , thereby take down their out - of - pocket cost for repairs , but choosing a lower service fee will result in a higher monthly rate . That flexibility could be appealing to homeowner who want to customise their home warrantee policy as much as possible .
Photo: ahs.com
Customers’ Online Experience
Is American Home Shield worth it for client ? The company ’s services are heavy focussed on the digital experience for its user . While homeowners can get a quote and file a claim over the phone , it may be more expedient to do both through the troupe site . When view their policy options , customer can critique a detailed tabular array equate coverage across each available dwelling warranty plan . This make it light to see just what each insurance policy level can put up and then resolve which programme make the most sense impart a householder ’s particular needs .
Some on-line resources — information regarding available add - on option , for example — may be hard to find through the site ’s home pageboy . Because there is no hunt function built into the site itself , user may need to hunt around to find specific pages or resort to using Google . Despite those drawback , American Home Shield ’s situation is relatively easy to pilot , and apt information is clearly displayed so as to catch the oculus of visitant .
Customers can also quickly change over to the Spanish - language interlingual rendition of American Home Shield ’s internet site , allowing them to get a inverted comma and bribe a insurance using either English or Spanish . give the refinement of home guarantee agreements , it may be a serious idea to go over terms and consideration in the words that a homeowner feels most comfortable using .
Photo: ahs.com / Jeff Keleher
Home Warranty Plans, Coverage, and Caps
American Home Shield offers three tier of serve plans for customer to consider .
Another benefit of opting for ShieldPlatinum is the higher coverage limit . customer will receive up to $ 6,000 of coverage per contraption with this policy , compared with ShieldGold ’s $ 3,000 coverage boundary . American Home Shield ’s contracts DoS that if the cost to repair or replace an gizmo exceed the programme ’s limit , the company will provide a immediate payment - out payment for the maximal insurance coverage amount rather than pay the full haunt monetary value .
ShieldSilver has no reporting limit on gizmo since it does not protect kitchen or wash appliances . For each of the three policy tiers , there is no set coverage boundary for home system , mean customers will not have their fixing petition denied due to the total cost of service alone . Regardless of which plan a customer chooses , their insurance policy will supply security for older abode systems ; undetectable pre - existent conditions ; improper installations ; and malfunctions because of poor maintenance , rust , or corroding .
Photo: ahs.com / Jeff Keleher
Plan Add-Ons
Once client have selected which policy they want to buy , they will have the alternative to purchase total - on coverage at an extra price . In some cases , insurance coverage included in higher - tier up policy can be purchase one by one and add to lower - tier programme . Most notably , while roof - leak trade protection is a received comprehension with the ShieldPlatinum plan , ShieldSilver and ShieldGold policyholders can buy this reportage as an contribute - on .
While the coverage included in American Home Shield plans can be middling extensive , customers may find their tot up - on choice to be somewhat limited . This is n’t to say that anything noteworthy is missing from American Home Shield ’s reportage — far from it , thanks to the generous coverage provided with the company ’s higher - tier plans . But customers can only add a fistful of different policy options to their abode warranty .
In addition toroof - making water protection , American Home Shield offers four main insurance add - ons . It ’s promiscuous to see why some of these add - ons are not include in basic policies , as they will only use to very specific scenarios . For example , client who have invitee houses or rental units on their property can purchase freestanding reporting for client units . This add - on only protects rental social unit under 750 square feet , so customers will want to be cognizant of these sizing limitation when purchasing superfluous coverage . policyholder can also buy additional reportage for septic pumps , well pumps , and both inground and above - earth pool .
Photo: ahs.com / Jeff Keleher
Another tote up - on option that homeowners may be interested in is American Home Shield ’s Electronics Protection Plan , which protects against power surge , defect , mechanical failures , and electric upshot for television set , laptops , computing machine , tablets , video game cabinet , and other home electronics .
Home Warranty Plan Pricing, Fees, and Discounts
Prices for American Home Shield warranties can vary pretty significantly depending on a miscellany of factors . The most significant condition to cost is the amount of coverage that a client purchases . With three policy tier to choose from , and each at a different starting price point , startle rate will reckon on the design that a customer select . A householder who does n’t need a home warranty to protect their gizmo can save money by buying a ShieldSilver plan for their major base arrangement alone . Purchasing add - ons will further determine the total cost of coverage as well . agree to the company ’s internet site , these MBD - ons could be as small as $ 50 or as much as $ 258 per year .
American Home Shield notice that the size of it of the home will impact the entire cost of coverage too . Because every insurance policy include coverage for home systems like ductwork , it makes sense that homes with more straight footage would be more expensive to cover with a menage warrant . It ’s worth client noting that an American Home Shield warrantee starts out at $ 39.99 per calendar month , but rates for gamy policy tiers will cost much more .
The up - front costs of purchase a policy are n’t the only expenses that homeowner will want to account for when consider a home warranty plan . No matter what company or insurance policy a homeowner chooses , they ’ll need to devote a technician or service fee when the time comes to file a repair petition . American Home Shield devote customers the option to opt from $ 75 , $ 100 , and $ 125 overhaul fees . In gain to impacting the total price of coverage , the technician fee also impact policy charge per unit . pick out a higher technician fee will give customer low-spirited monthly charge per unit in return , so this is another important factor to consider when choosing policy terms .
Photo: ahs.com / Jeff Keleher
deduction chance on an American Home warrant are fair modified . client who corrupt a second policy to cover another property can incur $ 50 off their additional home warrant . In addition , the company will give a $ 25 Amazon natural endowment card to members who refer a new client . American Home Shield also escape an exclusive gismo bank discount programme that allow members to supplant their appliances with name - brand products at discount price . Although this programme may be appeal in its own rightfulness , it does n’t really affect either the up - front investiture or the full price of reportage .
Getting a Quote
American Home Shield have it gentle for homeowners to get a quotation on a new home warranty online or over the phone . The quickest way to get a quote is to go through the ship’s company ’s internet site and penetrate on the “ Shop plan ” clitoris at the top of the page . After providing their computer address and electronic mail address , householder can liken the three warranty insurance available to them and find oneself the plan with the right amount of coverage . They can also select one of three technician fee alternative and see how their pick touch the monthly monetary value of coverage for each insurance policy tier up .
Once prospective customer have picked their policy and service fee , they will have the opportunity to total optional insurance coverage to their dwelling house warranty plan . The monthly rate of each add - on is clearly indicate so homeowner can decide if the extra reportage is worth the price increase . Finally , customer will land on the checkout page , which break down the total cost of their home warranty with all of the terms and consideration they have select . If they determine to buy a insurance with American Home Shield , client can purchase a plan directly through the website using a credit carte du jour , bank transfer , or PayPal account .
Despite requiring user to ply their email address at the start of the summons , American Home Shield does not send a copy of the quote once it is complete . The only way to catch a home warranty quote is by going through the process again and getting back to the checkout Thomas Nelson Page . Because the entire process only ingest a span of minutes at most to complete , this should n’t be too onerous for customers who require to retrospect their citation or change the terms of their potential insurance , but it is an additional step to take .
Filing a Claim
American Home Shield customer can file a claim either over the speech sound or online through the society website . After log into their member account , policyholders can request service by submit a call and listing the covered widget or home system in penury of hangout along with a verbal description of the issue being experienced . Customers will need to pay their technician fee up front when submit a title before their repair request can be confirmed . Some homeowners may favour to go through this process over the phone with a representative since it could be loose to explain any issue that requires repair .
Once the title has been received , American Home Shield will assign the job to a local contractor from its connection of preferable Robert William Service technician , offer item about the hangout request . The house warranty company will also give the technician ’s inter-group communication entropy to the customer so they can be contact immediately to schedule an appointment . Although this wo n’t always be the case , technicians may set up an initial practical service call so the customer can show them a video recording of the humiliated appliance or malfunctioning home system . This virtual assessment can give contractors a good discernment of the issue so they can add up fain to fix the problem without requiring follow - up visit .
After the technician has diagnosed the trouble , American Home Shield will review the review report and hold in that the issue is covered under the householder ’s warrant policy . If so , then the contractor will go ahead and make the necessary repairs or supplant the broken appliance with a unexampled unit .
American Home Shield ’s craftsmanship guarantee gives customer 30 day to describe any issue they experience after mend have been dispatch . The society notice that this guarantee only stretch out to issues include in the original claim and diagnose by the contractor during the review . Homeowners may want to note that 30 days is relatively short for a workmanship warrantee and that any additional follow - up oeuvre required outside of this period will demand another technician service fee , which could prompt them to look elsewhere for their home warrantee needs .
Customer Service Experience
American Home Shield puts a great peck of exploit into providing a strong customer experience . Customers who have questions about their home warranty or want to check the condition of a submitted claim can dial the American Home Shield phone number and talk to a representative at any clip . The American Home Shield customer servicing job is overt 24/7 and staffed by agent at all times who can respond to questions and concern .
American Home Shield has also made it easy for customers who desire to call off their policy to do so without wait by mouth to an broker over the phone and requesting a cancellation . Customers who cancel their home warrantee within the first 30 day of coverage will receive a full refund . After that , any refunds will be prorate based on the amount of time stay on the insurance policy . Although there ’s no cancellation fee , the company may withhold certain administrative fee when processing a refund , but that will be limit on a typeface - by - case basis .
prepare changes to an survive policy is n’t always quite as gentle , however . Customers have the option to amend their dwelling house warrantee during the first 60 days of reportage , but they will not be able to switch plans , deepen their technician fee , or add additional coverage after that breaker point .
American Home Shield ProConnect
Not all hangout or home services can be covered with a dwelling warranty , but American Home Shield has launched the ProConnect armed service to help occupy some of those coverage gap . client can call for a variety of fixing jobs and home services , including plumbery repairs , rug cleaning , and power washables , through the ProConnect program . Service availability may depend on the client ’s location , however . Plumbing service , for representative , may be available in some ZIP codes but not others .
Arguably the most likeable aspect of this plan is the speed and public lavatory with which customers can schedule appointments . customer pick out the type of work they need from different military service family , with the price for each line of work clearly indicated before an appointment is schedule . Listed prices are all - inclusive , as well , so householder do n’t need to worry about receive additional charges or fee after work has been completed .
Because the company maintains such a large mesh of approved contractor , American Home Shield can match homeowners with a local technician or jack of all trades in short order . According to the fellowship , a contractor could arrive at a client ’s home in as little as an hr . This may help homeowners deliver time calculate for the right contractor or technician to fix any issues they ’re experiencing . ProConnect is also very transparent about the timber of oeuvre provide by different contractors , allowing customers to post review and rate technicians . When a job is complete , customers can compensate for any repair or services online with either a deferred payment card or electronic check .
American Home Shield Home Warranty Reviews by Customers
client reviews for American Home Shield tend to deviate pretty importantly . Reviewers onConsumer Affairshave left overpoweringly positive feedback for the company , with many highlighting how quick representatives are to respond to repair postulation and agenda appointments . They also mentioned the high quality of craft on repairs , along with the expertise and professionalism exhibited by the technician hired through American Home Shield .
SeveralTrustpilotreviewers have reported similar concerns about protracted repair employment while technicians waited for the right part to be deliver . These complaint seem more focused on provision chain consequence that would be out of the hands of any home warrantee caller and are not necessarily specific problem concern to American Home Shield . In addition , complaints about rejected claims could be the result of policyholder misunderstanding the coverage included in their home warranty . In some subject , negatively charged American Home Shield reviews referred to coverage as “ policy , ” which may show that the reviewers did not fully understand the purpose of a rest home warranty .
How American Home Shield Stacks Up to the Competition
American Home Shield is an all - around good choice for home plate warranties with no major weakness or drawbacks that would give a homeowner pause . The reportage included in its policies is fairly comprehensive and may admit trade protection that would typically only be offered as a freestanding minimal brain dysfunction - on . For instance , both Choice Home Warranty and Liberty Home Guard listing roof - leak trade protection as an add - on alternative to be buy at an extra price . Some companies , like Home Warranty of America , may not enshroud roof leak at all . But American Home Shield offer this coverage as part of a standard ShieldPlatinum policy .
American Home Shield ’s service area , average rates , technician fees , and claim swear out all align with diligence standards . One country where the companionship may stand out , however , is its insurance coverage point of accumulation . The compounding of straight-out coverage for nursing home services and $ 6,000 for each appliance with a ShieldPlatinum policy — not to cite $ 1,500 on roof - leak shelter — could mean that American Home Shield customer are less probable to pay out of pouch for any repairs they schedule , less the technician fee .
When comparing thebest home warrantee companionship , homeowners may also be interested in American Home Shield ’s 24/7 customer support and 30 - day money - back warranty . This may assuage any concerns about vendee ’s self-reproach or necessitate to schedule repair work on short notification . The more specialized attention deficit hyperactivity disorder - ons usable for purchase may appeal to some homeowners as well . Optional add - ons like guest unit and puddle coverage could be extremely utilitarian in the right circumstances , and not all home warranty companies will declare oneself this sort of protective cover in any content .
Is American Home Shield Worth It?
Buying a home guarantee from American Home Shield may be a effective alternative for householder who would like to head off yield entirely out of pocket to specify or replace any appliances and home systems that may crack down . With its three insurance policy level and various add - on options , American Home Shield offers reasonably extensivehome warrant coverage , and customers have some tractableness to find the proper combining of terms and selection to suit their needs .
homeowner who only want a habitation warranty to cover their rest home systems like HVAC arrangement and ductwork may find that the ShieldSilver is the beneficial choice usable from American Home Shield . Those who require tribute for their appliance may be well served by buy a ShieldGold or Shield Platinum insurance policy . The ShieldPlatinum program may make the most sentience for homeowner looking for surplus welfare such as money to bring home plate arrangement up to code , repair ceiling wetting , and give their HVAC systems a tune - up .
On the other hand , homeowner who are n’t particularly concerned about the cost to compensate for repairs when the need get up may not discover much value in this or any home guarantee . That may also hold true for homeowners who have extended warrantee already attached to their most expensive appliances and home systems , as coverage may overlap between those warranties and any separate home warranty they might buy .
Although discount chance are very special , American Home Shield ’s monthly rates and technician fees are somewhat sensible for a place warranty . If customers make up one’s mind later on that they do n’t require the auspices of a nursing home warranty , they can always cancel their policy and receive at least a fond repayment . Despite their strengths , many abode warranty companies have glower weaknesses , but that ’s not the case with American Home Shield . The supplier extend very well - rounded coverage at a price that is corresponding to other dwelling house warrant . So , is American Home Shield worth it ? For many homeowners , thishome warranty could be worth itto help them protect their home system of rules and appliance in the result they call for to be repaired .
We severally survey this service by count the company ’s claims against first - hand experience with its professionals . However , due to gene such as franchising , human misplay , and more , please note that individual experiences with this company may vary .
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