American Home Shield Reviews
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About American Home Shield
American Home Shield is a home warranty provider that offers service plans throughout the contiguous United States. It has three home warranty plan options, which range in price from $29.99 or $39.99 to $79.99 or $89.99 per month with either a $100 or $125 service fee. Plans cover rust, insufficient maintenance and faulty repairs, which are often excluded from this type of coverage.
- Three plan options
- High coverage limits
- 30-day workmanship guarantee
- Covers rust, corrosion and sediment damage
- Relatively high service fees
- Not available in all states
Featured Reviews
What is American Home Shield?
American Home Shield is a home warranty company headquartered in Memphis, Tennessee. It offers service contract plans to help keep your home systems and appliances in working order, regardless of their age or condition. The company is available to customers throughout most of the contiguous United States.
» MORE: Best home warranty companies
American Home Shield coverage and plans
American Home Shield sells three plans: ShieldSilver, ShieldGold and ShieldPlatinum. Each offers two different trade service call fees, $100 or $125, that dictate the total cost per month.
The base plan, ShieldSilver, is the most affordable option. It’s a systems plan that covers plumbing, electrical and heating and cooling systems. It does not cover any appliances or roof leaks. ShieldGold covers both systems and appliances but not roof leaks. ShieldPlatinum covers everything in ShieldGold, plus roof leaks.
| Coverage | ShieldSilver | ShieldGold | ShieldPlatinum |
|---|---|---|---|
| Air conditioning | |||
| Heating | |||
| Plumbing | |||
| Electrical | |||
| Ductwork | |||
| Sump pump | |||
| Water heaters | |||
| Interior plumbing lines | |||
| Interior electrical lines | |||
| Exterior sewer lines | |||
| Exterior water lines | |||
| Refrigerators | |||
| Dishwashers | |||
| Oven | |||
| Range | |||
| Cooktop | |||
| Built-in microwaves | |||
| Built-in food centers | |||
| Garbage disposals | |||
| Trash compactors | |||
| Ice maker | |||
| Instant hot/cold water dispensers | |||
| Range exhaust hood | |||
| Kitchen exhaust fan | |||
| Clothes washers | |||
| Clothes dryers | |||
| Toilets | |||
| Whirlpool bathtub | |||
| Faucets | |||
| Ceiling fans | |||
| Attic fan | |||
| Central vacuums | |||
| Doorbells | |||
| Garage door openers | |||
| Roof leak repairs | |||
| Main breaker | |||
| Plumbing stoppages | |||
| Home electronics | |||
| Smoke detectors | |||
| Jetted tub components | |||
| Monthly premium cost | $29.99-$39.99 | $49.99-$59.99 | $79.99-$89.99 |
| Annual premium cost | N/A | N/A | N/A |
| Type | Systems | Combo | Combo |
| Plan name | ShieldSilver | ShieldGold | ShieldPlatinum |
| Monthly cost | $29.99 or $39.99 | $49.99 or $59.99 | $79.99 or $89.99 |
| Annual cost | N/A | N/A | N/A |
| Monthly cost | $29.99 | $49.99 | $79.99 |
| Monthly cost | $39.99 | $59.99 | $89.99 |
| Monthly cost | N/A | N/A | N/A |
American Home Shield cost
American Home Shield service fees are a bit higher than some other home warranty company costs. However, the monthly costs are more affordable, so the costs may even out.
| Feature | ShieldSilver | ShieldGold | ShieldPlatinum |
|---|---|---|---|
| Plan type | Systems | Combo | Combo |
| Monthly cost | $29.99-$39.99 | $49.99-$59.99 | $79.99-$89.99 |
| Yearly cost | N/A | N/A | N/A |
American Home Shield discounts
American Home Shield offers discounts for AARP members and military service members. You can also get a $50 discount for protecting multiple properties. As of publishing, current members can earn a $25 Amazon gift card when they refer a friend.
American Home Shield coverage exclusions
American Home Shield’s exclusions list is pretty standard for the industry. The company does not cover:
- Routine maintenance
- Flues, venting, chimneys or exhaust lines
- Repair or remediation of cosmetic defects
- Electronic, computerized or home management systems
- Radon monitoring systems, fire sprinkler systems or solar energy systems and components
- Repair, replacement, installation or modification of recalled or defective items
- Remediation of or damage caused by hazardous materials
- Costs of construction, carpentry or other modifications necessary to remove, relocate or install equipment
- Restoration of any wall or floor coverings, cabinets, countertops, tiling or paint
- Damage caused by "acts of God"
American Home Shield claims and coverage limits
American Home Shield allows customers to submit claims online or by phone when a covered system or appliance stops working. After a claim is submitted, the company typically assigns a local service contractor who will diagnose the issue and determine whether it’s covered under the home warranty plan.
How American Home Shield claims work
- Submit a request online through your American Home Shield account or call customer service.
- Pay the service call fee listed in your contract ($100 or $125) when the claim is processed.
- American Home Shield contacts a local service contractor, usually within 48 hours.
- The contractor reaches out to schedule an appointment at your home.
- The contractor diagnoses the issue and reports the findings to American Home Shield.
- If the problem is covered under your plan, the company approves the repair or replacement.
Coverage limits
American Home Shield doesn’t cap coverage for heating, cooling, plumbing or electrical systems, meaning that service won’t be denied based on the total cost of the repair or replacement.
For appliances, however, the coverage limit varies by plan. ShieldGold coverage is capped at $2,000 per appliance, which is a decently high limit compared with industry averages. ShieldPlatinum plan caps appliance coverage at $4,000, which may cover the cost of some higher-end appliances. It also covers code violations, permits and modifications up to $1,000 per year and roof leaks up to $1,000 per year.
FAQ
Where is American Home Shield available?
American Home Shield is available in 48 U.S. states, excluding Alaska, Hawaii and New York City.
Does American Home Shield require a home inspection?
No, American Home Shield does not require a home inspection for a home warranty contract. You don’t have to provide maintenance records to be eligible for covered repairs, either.
If I have homeowners insurance, do I need American Home Shield?
A home warranty is different from homeowners insurance; you won't duplicate your coverage by having both. Homeowners insurance typically covers property loss due to events such as fire, lightning, storms and theft. In contrast, a home warranty covers appliances and systems that break down from normal wear and tear.
Can I cancel my American Home Shield warranty plan?
You can cancel an AHS plan at any time. Cancel in the first 30 days to receive a full refund. Cancel at any time after 30 days and receive a prorated refund for the remainder of your term; an administrative fee may apply.
Is there a limit on repairs for American Home Shield?
No, there's no limit on the number of repairs your plan covers during a contract period. However, you should check your contract for dollar limits per covered item or per term.
How long does an American Home Shield home warranty contract last?
American Home Shield contracts last 12 months, which is the standard across the industry. Your agreement begins 30 days after you sign up.
What is the service fee for American Home Shield?
American Home Shield service fees are $100 or $125 per service call, depending on the option you select when signing up for a plan. This fee is paid when a technician visits your home to diagnose a covered issue.
Does American Home Shield replace appliances?
Yes, American Home Shield may repair or replace covered appliances if they break down due to normal wear and tear. If a repair isn’t possible or cost-effective, the company may approve a replacement based on the coverage limits in your plan.
Is American Home Shield worth it?
American Home Shield may be worth it for homeowners who want broad coverage limits and protection for systems and appliances regardless of age or maintenance history. The company offers three plan options, flexible service call fees and coverage that includes issues such as rust, corrosion and sediment damage, which some competitors exclude.
However, service fees can be higher than those of other home warranty providers and coverage availability varies by state. Homeowners comparing plans should weigh the monthly cost, service fee and coverage limits against other home warranty companies to decide if it fits their needs.
» RELATED:Is a home warranty worth it?
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American Home Shield Company Information
- Social media:
- Company Name:
- American Home Shield
- Company Type:
- Public
- Ticker Symbol:
- FTDR
- Year Founded:
- 1971
- Address:
- 150 Peabody Place
- City:
- Memphis
- State/Province:
- TN
- Postal Code:
- 38103
- Country:
- United States
- Website:
- www.ahs.com
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