American Home Shield Review: Coverage and Cost December 2022
Table of Content
American Home Shield allows for some customization in their plans by allowing you to add to any plan for an additional fee. Their silver plan covers most house systems but no appliances. Their gold plan covers all house systems and appliances, while their platinum plan offers extended warranties and roof coverage. There are several aspects to consider when evaluating a home warranty company and its coverages. We also compare features for each company to industry average values determined from our data collection for the top 25 home warranty providers.
Depending on where you live, your cost could also include state or local taxes. When you request a free home warranty quote from American Home Shield, we use the details you provide to inform you of your full plan costs upfront, including any applicable taxes. Always research the company, what they offer, their terms, and check reviews from other customers. Look at independent websites and the Better Business Bureau to get a sense of how easily this company pays out. For new houses, home warranties can be a good investment, especially structural warranties.
Basic Protection Plan Cost
Either way, expect to spend about $75 per service call whenever you submit a claim. As long as you keep your home’s appliances and systems well-maintained, there’s no reason that you should have to pay full price for major repairs or replacements. Our plans help protect your home’s most essential systems and appliances, potentially saving you thousands in repair or replacement costs. Some home warranty companies offer custom packages to add coverage for areas not included in the standard plan. This may include your well pump, swimming pool, pest control, and whirlpool bathtubs. Not all these areas are eligible for coverage under every plan.
You can rely on more than 50 years of experience to back the home warranty coverage this provider offers. We’ll pay for your covered item repair or replacement, up to your contract terms and limits. If your repair exceeds the limit of what your contract covers, we’ll inform you of any additional costs upfront so you can decide how to proceed.
Not Everything Is Covered
Both companies also offer broadly similar prices on service fees, with Choice quoting us $75-$85 and First American offering $85. Both companies also allow customers to submit a claim 24/7, either online or by phone. If you prefer to manage your finances online, you may be interested to see that neither provider has an app. A home warranty helps cover repair or replacement costs on your home’s systems and appliances when they break down due to normal wear and tear. A home warranty is different from homeowners insurance, which only provides coverage for theft, fire, and weather-related damage. Working together, they give your home more financial protection.
You can purchase a home warranty from American Home Shield without an inspection or maintenance records. More than 2 million members trust us to protect their home and budget. Answer a couple of questions about your home to find out how much you could save with a home warranty. Every homeowner needs a plan for system and appliance breakdowns.
Plans for every stage of homeownership
We recommend the best products through an independent review process, and advertisers do not influence our picks. We may receive compensation if you visit partners we recommend. Andy Smith is a Certified Financial Planner (CFP®), licensed realtor and educator with over 35 years of diverse financial management experience.
American Home Shield is accredited by the BBB and holds a B rating from the organization. As with any top-rated home warranty company, American Home Shield’s reviews feature a solid mix of positive and negative customer reviews. The positive reviews mostly focus on the professionalism of AHS representatives, while the negative reviews highlight a lack of communication between AHS and authorized contractors. Once you’ve taken out a policy, there will be a 30-day review period during which you can cancel your policy for a full refund, as long as you haven’t made any claims. After this period, your contract cannot be canceled unless there is a specific agreement between you and the company.
We help you pay to repair or replace the items listed below and connect you with experienced contractors. You need to purchase a home warranty before there are issues with your house. In addition, not every home warranty is eligible for renewal at the term’s end. Some older houses and appliances may have limited coverage or may not be eligible for renewal after one year. Costs for each period vary by the company, plan type, coverage level, and coverage areas. Below is an average breakdown by Review Home Warranties of costs by state, providing a general idea of the costs in your area.
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We’ll share everything you need to know about what home warranties are, how they work and whether the cost of a home warranty is worth the expense. If AHS decides your request isn’t covered under contract, you can request a second opinion to review the situation. The quote process will require you to submit your property address and contact information so the company can provide you with a personalized quote.
In some cases, real estate agents will buy a home warranty for a potential home buyer to sweeten the deal or sellers will transfer their existing home warranty to the new owners. Companies likeAmerican Home ShieldandAmerica’s First Choice Home Cluballow you to customize your premium and service fee payments. If you choose to pay a higher service call fee, your premium will be lower, and vice versa. You can make this decision based on the number of claims you see yourself submitting over the length of the policy. AHS is an established company committed to providing both home buyers and real estate professionals with affordable and transparent home warranties. We offer multiple plans that have been carefully crafted to ensure that our customers get the bits that they need (and can ditch the bits they don't).
These are good plans to invest in if you live in an area where soil erosion and other issues frequently impact your house’s structure or foundation. If you have built a new house, had a significant remodel or upgrade, or have invested in new appliances, you may want to consider a home warranty plan. Home warranties cover repair costs on plumbing and electrical systems, HVAC systems, and many appliances. There are different types and levels of plans, allowing you to customize your coverage for the areas you feel may need it most. Most warranty providers sell several different plans with different levels of coverage and costs.
American Home Shield provides three coverage plans to homeowners who want to protect themselves from unexpected repair or replacement costs. We offer special real estate plans to cover the home you’re buying or selling. If the cause of the breakdown of covered item is not covered, or the repair or replacement exceeds your coverage limit, you will still pay your TSCF for the contractor’s diagnosis. You will work with your contractor to determine the out of pocket costs for repair or replacement. We offer special real estate plans to cover the home you're buying or selling.
What to Consider Before Buying a Home Warranty
Read our comprehensive Home Warranty review of First American... The star ratings are based on the overall rating of each brand. We encourage you to write a review of your experiences with these brands. I have used their service and each time the work was performed on time and the quality was excellent. Oxford graduate Katy Ward is a seasoned journalist and editor covering personal finance and software topics for Top10.
If you have an issue with your completed repair within 30 days of service, we’ll send a contractor back out for free. The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers, and we aim to provide transparency in our review standards and research process. Not only is American Home Shield the oldest and most established company on our list, it offers the most comprehensive and flexible coverage.
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