American Guardian Warranty Services Inc. Reviews

I purchased the warranty when I bought my rv brand new in 2024. Filed a claim and they denied it. It was a legit claim for a driveline issue and they denied it. Don’t do business with them!! What a rip off! I’ll tell all the people I know in the RV industry about my experience!

I purchased a Compass (AGWS) RV protection plan when I purchased my RV. I had my rear A/C heat pump fail so I took it to be serviced at the dealer that sold me both the RV and the RV protection plan. They determined that the A/C unit had failed and had to be replaced. Since the government has since mandated that a newer type of freon has to be used, they had to use a newer model A/C. While the insurance coverage paid for the base unit, they refused to pay for the control board and thermostat that also had to be replaced for new A/C to function. The excuse they used was that since there was no failure of either of those components, they would not cover them, even though they would be necessary for the replacement A/C unit to function at all. In addition, they did not cover all the labor charges from the dealer so I still ended up with over $1,200 out of pocket for my repairs.

They will not pay for the repairs on my Motor Home even though they have me in their system and I have a customer number. They demanded I provide a copy of the paid receipt which I could not find in my paperwork and the dealer was no longer in business. I provided a copy of the credit card receipt to the dealer in the exact amount of the price of the warranty on the same day I bought the Motor Home. The representative for AGWS I was speaking with basically told me the warranty I paid $4654.80 for was not worth the paper it was written on. As far as I'm concerned this company is nothing but a Scam.

Keep dragging things out and add new requests for info from my dealer. Now 4 weeks of waiting on a significant repair issue. Plan specifically says will not reimburse if you get repair before they authorize. Now on 4th request for info from them.

Contacted American Guardian in reference to a tire issue on my motor home. At first, the representative couldn’t even find me in the system and asked where I got the phone number. I explained the number is on the warranty paperwork with Compass Tire and Wheel on the top. He still couldn’t locate anything and had to pass me off to someone else. I explained everything to this representative and she immediately said the tire wasn’t covered because of too much wear on the tire. Naturally this didn’t go over well me so I explained my frustration with her. They word these warranties so that any aspect of problem isn’t covered by how it’s worded. Ultimately the warranty isn’t worth the paper it’s written on and was a huge waste of money.

I have just purchased a vehicle with a warranty. I received this letter, with no business name or Logo. Saying my warranty will expire 4 22 unless I activate it. I called the number. Was NEVER able to speak to a person. NEVER.. They kept asking for my credit card or bank routing before I could speak to someone. I told AI that I have bumper to bumper coverage.. They're like..195 down today and some discount. I was trying to speak to human about this TERRIBLE SERVICE. SCAM SCAM SCAM!!

Absolute garbage of a company. They will deny anything even though it’s a ‘paintless dent repair.’ Don’t waste your time OR MONEY. If I could give less than 1 star I would.

My car was totaled 11/16/25. Today is 2/20/26 and I STILL have not received payment! All the paperwork required was submitted 12/22/25 with one final document submitted 1/12/26 (which technically should NOT have been required!). I have been paying interest on the balance this entire time and have been required to keep making payments on a car I haven’t had in over 3 months! Beyond frustrated. I have been sending emails and have left voicemails for an update and I don’t get a response. Unsure where I can even file a complaint. Update: AGWS sent me a copy of the check dated 2/19/26. Conveniently enough, the lender still has not received it as of today 3/4/26. I’m starting to think this company is a scam!!!

SCAMMERS!!!! That is all this company is. Provides you with a worthless warranty and refuses to pay out the claim. They can take your money and line their pockets but honestly they do not care about the customers. NEVER USE THIS COMPANY! THEY WILL NOT PAY YOUR CLAIM OUT!

WORST company to work with. Have GAP coverage on a RV that I have not had in my possession since December 2024 and they have yet to pay the claim even though my insurance already paid AND I still had to make the monthly payments until the loan was paid off in full!!! Still no one cannot or will not give me a status update on my claim! HORRIBLE. 😡

I rate them with a negative!! This is a scam company who takes the policy monies but refuses to pay the claim in full. They practice deception when filing, uses a percentage chart to only pay a certain amount so they think they are in compliance.. This company is scamming the public and should be shut down!! My vehicle has been in the shop for two months with there agreed approval of 700.00 on a 4700.00 repair bill. Two months without a car! I am elderly. The repairs are listed on contract as covered.. This company and its employees are crooks!!! They are not even listed as the top ten companies to purchase insurance from. Rated 1.3!!! Scam artists should be prosecuted!!! You are liars and I will not stop until you are closed down!! You F______ thieves!!!!

I purchased a new vehicle from Honda along with Honda Cares 100k mile bumper to bumper coverage and 60k mile maintenance coverage. I started receiving mail from Guardian Protection Group (GPG) stating that I had not activated coverage and needed to contact them immediately. I called the number listed on the correspondence and got the runaround with the person on the other end of the line trying to convince me that I did not have a valid maintenance agreement and I needed to purchase their coverage. Bottom line is that this is a very unreputable company and should be avoided at all costs.

We, wife and I, purchased platinum best extended warranty bla bla, $ 5K, on new Tiffin. During Sturgis SD bike week 2025, slide and levelers didn't work at all. I'm on side of mountain, intermittent cell coverage, and 1800 + miles from home. Rode to town purchased ATF, filled holding tank, nothing, dead system. Located a mobile RV repair mechanic, Lippert trained. Orange return 3000 psi hose blown out. NOT A RUB MARK ON IT. Replaced, levelers adjusted, done. Paid the man, went to the rally.

This is a horrible company that produces vague contracts that can be interpreted however they wish. DO NOT BUY THIS EXTENDED WARRANTY FROM YOUR LOCAL DEALERSHIP! When I asked to speak with a supervisor, they refused to let me at first, but eventually had a guy named Cody ** call me back. He knows nothing of customer service or vehicles. Long story short, him huffing and puffing while I asked questions turned into an argument and he refused to continue discussing the situation and told me "no one will do anything about it," when I asked him for his supervisor's number. He then "terminated the call," as he said.

This is quite possibly the worst experience I’ve ever had with a warranty department. We paid $4000 for coverage and the first time we went to use it, it has been a nightmare. Although the transmission was proven faulty, they said they did not have any in stock with their vendors and therefore we had to pay almost $4000 because they would only cover a portion of it. Their Independent inspector also said the alternator was not bad and therefore they would not cover that either. We just got a call from the Certified garage who is doing the repairs and they said that although everything is together, it still does not run because the alternator is bad. AGWS just keep saying to send proof which I have reviewed what was submitted and the two pictures and two videos clearly show the alternator is bad. This company should not be in business.

This company is the worst. They will do everything within their power to deny your claim. That is their focus. They will not help you or assist you in anyway. They want you to quit, so they won't have to pay out. If you need gap insurance, get it from another company.

Their extended warranties on SXS I do not recommend if you're a HONEST person!! They look for any reason not to hold up on their part!! And when you call them about your denial of fixing your machine!! Can’t even talk to anyone that know anything! They just say it’s a final decision. Case closed!! So I bought a 60 month extended warranty that’s no good!! Waste of money!! For further notice to anyone that need warranty work done that’s not a honest guy!!! If you got your factory tire put them back on before you bring it in to get fixed!! Because apparently 32 inch tire will void your warranty!! Or they told me anything that’s not factory!! The only thing they want to cover is trailer queens that won’t be riding!!! Waste of money and I hope dealers see this review where they will quit selling and wasting people's money!! Money scam.

Would not recommend. They replace with used parts. Had to wait 8 days for used transmission to get to dealer then they only refunded $250 of a $315 rental car bill. They did not cover all the labor and cost me $4000 on top of what they paid.

If I could give this company negative stars, I definitely would. I have a 2023 Genesis GV70. I started hearing a whining noise a little bit after my last oil change. I call my local dealership and let them know what was going on, they have me bring it back to re-evaluate the oil change to ensure that everything was done properly during the oil change and which it was. They tell me that they think it's Transfer Case but I would need to bring it back for a diagnostic appointment.

I had a transmission that went bad in my 2016 Jeep Wrangler. I took it to my local transmission shop. Warranty claim made that day. I was asked by AGWS to supply records concerning my transmission. I submitted my transmission inspection that was due by 120,000 miles. AGWS sent an inspector out to verify. On Day 6, I was notified that the approval had been given. I did have the option of having the transmission replaced for my deductible of $100. I ended up choosing to pay a little more out of pocket because I wanted warranty for parts & labor to all come from the same place (transmission shop). Total experience was seamless. My rep for AGWS was Kristopher. Although I didn't have much interaction, AGWS made the experience as painless as possible. Their BBB rating is A+ which is why I went with them in the first place. Hope this helps, and I would definitely recommend if your dealer offers this warranty (mine was the Silver Compass).

This is a HUGE SCAM. They lend the dealerships that sell their warranties money. They do this under their other business name American Guardian Funding. The warranty coverage they sell is and should be investigated as a fraudulent contract. Its been over a year now that we paid over $20k through Lazy Days that our $229k rv broke down within 9k miles of the purchase. The warranty said the engines lubricated parts are fully covered, but they have wording under exclusions that it is not covered for rust or corrosion. We are in the process of seeking over 100k in damages for failure to honor their warranty. Stay away. Contact us for further information at **. We are seeking others for a nationwide class action.

They are a terrible company! Their customer service is terrible and not helpful at all. They cannot explain why they will not pay nothing and if covered part makes a non-covered part go out they say you’re out of luck. When the part that wasn’t covered was perfectly fine until Seals went out and caused more issues.

This company has done right by me, they have saved me and have always been there for my warranty needs. What a great company, highly recommended. Always there when I call, answer phone, always will to help with my issues. Did I mention they have great customer service as well.

Can you give no stars? My husband bought Gap insurance when we purchased our camper - it was paid off 22 months on a 180 month loan. I call to get a refund they tell me they do not issue the refund - the place we bought it from does. Place we bought it from says no they do. I call back - they insist it is where we bought the camper. Still waiting for the refund.

This company knowingly denied my claim until they were caught in lies and I was forced to pay payout + of 8200 for a Turbo! When they were caught they wanted to send an inspector out after I was forced to pay out of pocket. When I provided all the necessary info from Ford they denied claim because they didn’t have a chance to inspect! Like Ford and myself were lying. Basically you are expected to leave your vehicle in pieces while they drag their feet until you can’t afford it anymore. They will find any technicality and exploit it until you are out of options. These people are crooks to the highest degree.

I have a class A rv which had issues with the main slide out. My service facility found an issue with the slide motor and submitted a claim with AGWS. As they were replacing the motor they noticed an issue with bearing block causing the shaft to bow. The service facility got a response back denying the claim. Reason-rack has not failed, bent is not covered. A month later and the bent shaft is now broken. I can not get my slide back in. I had a mobil tech submit the paperwork to agws and their response is the rack and shaft should have been replaced at the time it was first reported. Well we tried and they denied it because bent is not broken. Now broken is not covered. What a scam company. This is fraud as far as I’m concerned and I have hired an attorney to take them to court. If anyone else needs my attorney’s info please contact me.

We are a repair facility that prides ourselves on positive reviews. First time dealing with AGWS. TERRIBLE! Authorized amount was not honored. After arguing with the adjuster, asked to be transferred to the survey. I was hung up on instead. Customer had to pay excessive amount out of pocket and authorized claim amount was adjusted by the contract company after delivery. Apparently, they only pay 10% over cost, not suggested list prices. HORRIBLE!!!

Mr. Ron ** called me and informed me that he had spoken with the two associates that I had issues with and he assured me that they understood the issues and he has coached them on better ways to work with their policyholders.

Stay away! I purchased a truck in May of 2021 and paid an extra 2000$ for an extended warranty which was AGWS from Kia of Bedford Ohio. It was 3 years or 75,000 miles. Had problems with the truck. Took it to a reputable mechanic. Paid 200$ for a diagnostic fee. Turns out I need a timing chain kit, water pump, a few other minor things I could do..I turned it into agws. In turn I needed to send oil change records, tire placard and pictures of tires. A couple other things. I did all that then they proceeded to tell the mechanic that I had to pay 1000$ to break down engine to timing chain and take pics. I called then they said they will send their guys out to find out what was the cause. I got my contract and had to be at least 10 pages. So even if paid 1000$ it's still not guaranteed they'll pay for it. This company is a scam. Please for your own good do not purchase any warranties from this rip off **. Sorry excuse of a company!

The most worthless warranty company I've ever used, period! They will find any loopholes they possibly can and try to avoid paying your claim. They are only open Monday-Friday during normal business hours and closed on holidays. Most people go camping on weekends and holidays. They want you to get prior authorization before letting an RV technician make the repairs. When you have an emergency repair that needs addressed outside of office hours, you can't call and get prior authorization. The website says if something is repaired outside of working hours without authorization, you must call on the following business day to report the claim.

I purchased a one year old RV from a private party. They transferred the AGWS warranty purchased from Lazydays to me. I took the RV in for an annual inspection and service and as expected several items needed attention. In particular, the bedroom slide-out required a major adjustment. The AGWS warranty does not cover the required $1500 adjustment. However if the equipment, e.g., motors, gears, or tracks fail then the work and adjustment would be covered, i.e., the economic incentive is to forgo preventive maintenance and to let the system to completely fail and try for the warranty reimbursement. There were 5 other items requiring repair, none due to negligence or required adjustment. Needless to say, none were covered by the AGWS warranty. Moral of the story, save your money and never consider a warranty underwritten by AGWS.

I never write online reviews, but due to the unprofessional and plain devious business practices, I feel compelled to do so. This company is the definition of terrible. I have every single service record for my Silverado for the last 5 years. Needs a new transmission, covered under warranty. When the adjuster came to inspect the damages, he saw a ball hitch on my truck which is solely there to protect my rear bumper from people parking too closely in my apartment complex and dinging my bumper. They denied my transmission claim because they said it fell into a "severe duty" category claiming I'm towing trailers because I have a ball hitch...

Unable to use warranty as they continually stall & kick back claims. Was a big waste of the 5200 I paid, Cancelled and received a Very small refund for 2 full years left on 5 year contract. Save your money.

This company does everything possible to not pay claims. They look for loop holes in their contract. Terrible company and worse customer service! RV was down 18 days from the day the claim was started before they requested an inspection. By then my RV was done. No repair facility can keep a 40ft in a shop for 18 days.

This company has SO MANY loopholes to get out of paying any claims. We transferred an extended warranty on our motorhome and it's been worthless. They make it IMPOSSIBLE to follow their instructions to get repairs done. They deny receipt of emails from repair techs and wait so long to process that by then, the repairs have been done and they use that to deny your claim. We broke down (turbo died) and HAD to get the repair done. It happened on a weekend and they denied due to lack of prior authorization. Now it's the starter and they're claiming that they didn't receive the repair quote from our mechanic. We have a scheduled trip and need the repair done. They said if we choose to repair without waiting for them (already waited four days), they will deny. They're rude and condescending whenever you call or email. Wish we would have saved the $100 transfer fee.

Where do I start? Upon buying our RV we were coerced into buying this policy for over $9000. We took our RV to Florida 1400 miles away from home. Our transmission started acting up and our RV start smoking BAD! We took it to a licensed repair facility on January 16th and it’s been there since. We have been stuck in a hotel for over 3 weeks with no end in sight. They have been giving the licensed shop a run around for pictures upon pictures. Now they sent an inspector to take the same pictures! I don’t know if there will be any resolution to our problem. But so far we have a month of hotel food and rental car to add on top of it all! We will keep you posted.

We have an extended warranty for my 2013 dodge journey. This company will not approve our transmission replace because we can not find 2 missing receipts for oil changes. This is absolutely stupid for that fact that a oil change has absolutely nothing to do with the transmission going out. It has been 2 plus month with very little communication from them I have set multiple email and have called multiple times. They don't respond and I call and get the run around. I will be contacting a attorney. I advise everyone who is think of using this company to do research. This company is a scam and a rip off

Submitted warranty claim for transmission issue. Provided American Guardian with service records for transmission services that had been done on the vehicle which had been done based on the timeframe stipulated in the contract. They then requested all service records with regards to oil changes, which have absolutely nothing to do with the transmission. Claim was denied because a few of the oil changes were not done in the time frame stated in the contract. Customer service then said that the oil change time frames/mileage are based on the vehicle maintenance schedule from the manufacturer for that vehicle, which is different from what is in the contract. It basically comes down to this company has no morals with regards to doing what is right for the consumer.

The transmission line on my motorhome broke, sheering the metal line and dumping the fluid on the ground. The vehicle was never driven beyond the point that the line exploded. I reviewed the warranty and followed the instructions to authorize the repairs so that the shop could diagnose the problem. I contacted the warranty company and got the information so that the service center could begin to initiate the claim. Once the claim was initiated the assessor went to the shop. He asked why they had to replace the line and the technician explained that the line had to be repaired to determine if the issue was with the transmission. He was told that it was a failure within the transmission.