Achosa Home Warranty Reviews
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About Achosa Home Warranty
Established in 2018, Achosa Home Warranty is a home warranty company that serves 26 states across the U.S. This company's coverage includes plumbing, electrical, roof leaks and major appliances. Each claim has a $100 service fee, and you can choose your own licensed contractor.
- Covers the cost of parts and repairs
- No limit on the number of claims
- Covers townhomes and condominiums
- The website provides very vague information
- Coverage caps on some systems and appliances
- Doesn’t openly offer any discounts
Achosa Home Warranty coverage and plans
Achosa Home Warranty offers three home warranty plans that provide coverage for appliances and systems: the Homeowner’s Core plan, the Homeowner’s Prime plan and the Homeowner’s Prime Plus plan. This company also offers the Prime Pro plan in some states.
Each plan covers plumbing, central air conditioning systems and central heating systems. Only the highest two plans provide extra coverage with things like the Water Heater Prime perk.
Plan details
While Achosa Home Warranty’s plan details vary across states. Most of the plan names and coverage are the same, though.
| Appliance or system | Homeowner’s Core | Homeowner’s Prime | Homeowner’s Prime Plus |
|---|---|---|---|
| Central air conditioning | Yes | Yes | Yes |
| Central Air Prime | No | Yes | Yes |
| Central Air Plus | No | No | Yes |
| Central heating system | Yes | Yes | Yes |
| Central Heat Prime | No | Yes | Yes |
| Central Heat Plus | No | No | Yes |
| Electrical system | Yes | Yes | Yes |
| Electrical Plus | No | No | Yes |
| Plumbing and drains | Yes | Yes | Yes |
| Plumbing Plus | No | No | Yes |
| Water heater | Yes | Yes | Yes |
| Water Heater Prime | No | Yes | Yes |
| Water Heater Plus | No | No | Yes |
| Major appliances | Yes | Yes | Yes |
| Appliances Plus | No | No | Yes |
| Attic and exhaust fans | Yes | Yes | Yes |
| Code violations | Yes | Yes | Yes |
| Garage door opener | Yes | Yes | Yes |
| Garbage disposal | Yes | Yes | Yes |
| Microwave | Yes | Yes | Yes |
| Roof leaks | Yes | Yes | Yes |
| Sump pump | Yes | Yes | Yes |
Add-on coverage
Achosa Home Warranty offers various add-ons to provide extra protection on appliances and systems. This company also offers Conserve and Conserve Plus, which allow you to trade old, damaged parts for more energy-efficient ones.
| Appliance or system | Price |
|---|---|
| Additional refrigerator | $50 per item per contract |
| Conserve | $25 per item per contract |
| Conserve Plus | $50 per item per contract |
| Mini-split system | $80 item per contract |
| Jetted bathtub | $80 item per contract |
| Major appliance's maximum cap replacement enhancement | $75 item per contract |
| Non-owner-occupied property | $180 item per contract |
| Pool and spa | $180 item per contract |
| Saltwater pool and spa | $270 item per contract |
| Additional pool or spa | $180 item per contract |
| Septic system | $80 item per contract |
| Stand-alone freezer | $40 item per contract |
| Stand-alone ice maker | $80 item per contract |
| Water softener | $50 item per contract |
| Well water pump | $80 item per contract |
What does Achosa Home Warranty not cover?
Achosa Home Warranty has many limitations and exclusions that may cause your claim to be denied. Achosa only covers breakdowns due to normal wear and tear, and it doesn’t cover things like dents, scratches or cosmetic damage.
Here is a list of some other items Achosa Home Warranty also doesn’t cover:
- Range hoods
- Filters and lights
- Window units
- Underground piping
- Circulation and recirculation pumps
- Space heaters
- Fuel storage tanks
- Chimneys
- Racks and baskets
- Damage due to power surges
- Inadequate capacity
- Low voltage systems
- Garage doors
- Problems or jams caused by bones, glass or non-food objects
- AV equipment
- Interior lining
- Sinks
- Bathtubs
- Root damage
- Acts of God
- Ejector pumps
- Damage to clothing
Achosa Home Warranty coverage caps
Like many home warranty companies, Achosa Home Warranty has coverage caps. This means the company will only cover expenses up to a specified amount for parts and repairs, and then you are accountable for the rest. Each plan has different coverage caps, and Achosa Home Warranty has a $25,000 limit on parts and repairs per year, per contract.
| System or appliance | Homeowner’s Core | Homeowner’s Prime | Homeowner’s Prime Plus | Homeowner’s Prime Pro |
|---|---|---|---|---|
| Attic and exhaust fans | $500 per claim | $500 per claim | $500 per claim | $500 per claim |
| Central air conditioning | $1,000 per claim | $2,000 per claim | $2,500 per claim | $3,500 per claim |
| Central heating system | $1,000 per claim | $2,000 per claim | $2,500 per claim | $3,500 per claim |
| Dishwasher | $500 per claim | $500 per claim | $1,000 per claim | $1,500 per claim |
| Electrical system | $500 per claim | $500 per claim | $1,000 per claim | $1,500 per claim |
| Garage door opener | $500 per claim | $500 per claim | $500 per claim | $500 per claim |
| Garage disposal | $500 per claim | $500 per claim | $500 per claim | $500 per claim |
| Kitchen refrigerator | $500 per claim | $500 per claim | $1,000 per claim | $1,500 per claim |
| Microwave | $500 per claim | $500 per claim | $500 per claim | $500 per claim |
| Oven/range/cooktop | $500 per claim | $500 per claim | $1,000 per claim | $1,500 per claim |
| Plumbing and drains | $500 per claim | $500 per claim | $1,000 per claim | $1,500 per claim |
| Roof leaks | $500 per claim | $500 per claim | $500 per claim | $500 per claim |
| Sump pump (groundwater only) | $500 per claim | $500 per claim | $500 per claim | $500 per claim |
| Washer and dryer | $500 per claim | $500 per claim | $1,000 per claim | $1,500 per claim |
| Water heater | $500 per claim | $750 per claim | $1,000 per claim | $1,500 per claim |
| Additional refrigerator | $1,000 per claim | $1,000 per claim | $1,000 per claim | $1,000 per claim |
| Ductless mini-split system | $1,000 per claim | $1,000 per claim | $1,000 per claim | $1,000 per claim |
| Jetted bathtub | $600 per claim | $600 per claim | $600 per claim | $600 per claim |
| Pool and spa | $800 per claim | $800 per claim | $800 per claim | $800 per claim |
| Saltwater pool and spa | $1,200 per claim | $1,200 per claim | $1,200 per claim | $1,200 per claim |
| Additional pool or spa | $800 per claim | $800 per claim | $800 per claim | $800 per claim |
| Septic system | $500 per claim | $500 per claim | $500 per claim | $500 per claim |
| Stand-alone freezer | $500 per claim | $500 per claim | $500 per claim | $500 per claim |
| Stand-alone ice maker | $500 per claim | $500 per claim | $500 per claim | $500 per claim |
| Water softener | $600 per claim | $600 per claim | $600 per claim | $600 per claim |
| Well water pump | $500 per claim | $500 per claim | $500 per claim | $500 per claim |
Achosa Home Warranty cost
Achosa Home Warranty offers three plans with monthly and yearly payment options. Each plan has a service fee of $100, and you can expect to pay $49.95 to $80.95 a month or $475 to $775 a year at the time of publishing.
The ConsumerAffairs Research Team received a quote for $49.95 a month for the Homeowner’s Core plan, $59.95 a month for the Homeowner’s Prime plan and $80.95 a month for the Homeowner’s Prime Plus plan.
| Homeowner’s Core | Homeowner’s Prime | Homeowner’s Prime Plus | |
|---|---|---|---|
| $100 service fee | $49.95/mo. | $59.95/mo. | $80.95/mo. |
| $100 service fee | $475/year | $575/year | $775/year |
Discounts
Achosa Home Warranty doesn’t openly offer any discounts for its home warranty plans.
Compare with competitors
| Company | Customer rating | Starting cost | Service fee | |
|---|---|---|---|---|
Achosa Home Warranty | Learn More | 1.8 | $100 | |
 American Home Shield | View Plan | 3.7 | $29.99 to $89.99 | $100 or $125 |
 Choice Home Warranty | View Plan | 4.0 | $46.83 to $54.75 | $100 |
 ARW Home | Get a Quote | 4.2 | $49.99 to $89.99 | $125 |
Achosa Home Warranty’s cancellation policy
You must call 888-509-2916 to cancel your contract. However, there are many stipulations in the cancellation policy to how you’ll receive a refund:
- If you cancel within the first 30 days of being an active customer, this company will provide a full refund for the contract fees if no claim has been made. You also will not be required to pay administrative or cancellation fees.
- If you have made a claim, Achosa will provide a refund for unearned contract fees minus a $25 cancellation fee and service costs.
- Cancellation policy and fees vary by state.
FAQ
Where is Achosa Home Warranty available?
Achosa Home Warranty is available in 26 states across America.
Is Achosa Home Warranty legit?
Achosa Home Warranty is a legitimate home warranty company based in St. Louis, Missouri.
How do I file a claim with Achosa Home Warranty?
To file a claim, you must call 888-509-2916.
Achosa Home Warranty Reviews
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- 4,785,745 reviews on ConsumerAffairs are verified.
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Reviewed Sept. 24, 2025
This is the second time that I have filed a claim with Achosa for damage in my home. Both times Achosa has miscommunicated the scope of work and intentionally led my contractors astray to limit the payment that they will reimburse. After speaking with several Achosa team members and their supervisor, they continue to ignore my invoice details and stick to their fabricated story. Disappointing. There is a reason this company has only 1 star. Avoid at all costs.
Reviewed Aug. 16, 2025
One of my air conditioners was out of Freon. Blowing warm. I chose my own air conditioning repair company. They said it was a bad coil. Achosa approved the repair plan. They paid $2,500 of the bill. Easy and no stress. My technician said they were the best to work with in his experiences versus other home warranty companies.
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Reviewed Aug. 2, 2025
I own a residential appliance repair company. I have worked with Achosa on multiple occasions. One big problem with them is when I'm on the phone with them while at the customer's home. They always try to get you to say the wrong thing so they can deny the claim. They have even twisted what I've said to deny the claim. The final straw was two days ago, I found a bad bake/broil thermostat on a high-end gas range. They asked me what caused the failure. I told them there was no way to know, but since it was only a few years old, they arbitrarily decided it could not be normal wear and tear and denied the claim?? I did not recommend this company and I will never do work for them again. Horrible business practices and just your typical insurance company. Happy to take your money but always do their best not to pay out.
Reviewed July 1, 2025
I would give -10 stars. Predatory and will purposely delay the process of your claim via endless phone calls with people in Colombia that resolve nothing. My claim was very cut and dry but it went into the circular hell that scam warranty companies do to wear you down. Don’t waste your money or time with Achosa Home Warranty. They are terrible and you’ll never get resolution or payment.
Reviewed Jan. 15, 2025
I paid for the Achosa Home Warranty for three years and never once had a claim successfully paid. In the two and half years I had three different sales executives assigned to my policy. During my last attempt to use the warranty, the repairman and I were given the runaround to by the claims representative at Achosa, requiring additional procedures and expenses that I would had to absorb prior to authorizing a claim.
I called my sales representative who said he would return my call in twenty minutes, for he was in a meeting, but he never called me back. The next day I call my representative again and told him I wanted to cancel my policy due to incidence from the day before, for I was out the diagnostic fee without the repair being completed and he told me he was on the phone but would take care of cancelling the policy for me. Point being, he could not have cared less and like the two representatives prior to him, he was likely soon to quit as well. As a licensed real estate broker, I do not recommend this company, for it's the wiser to put the $575 dollar policy fee and in an account to be used for future repair.
Achosa Home Warranty Company Information
- Company Name:
- Achosa Home Warranty
- Address:
- 400 Chesterfield Center, Ste. 400
- City:
- St. Louis
- State/Province:
- MO
- Postal Code:
- 63017
- Country:
- United States
- Website:
- www.achosahw.com