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American Home Shield Home Warranty Review (2024)

Build Your Own Home Warranty
By Catherine MillerBy Catherine Miller -
Last Updated: Mar 14, 2023
5,368 reviews
by
logo-AMERICAN HOME SHIELD
Visit Site
Average annual premium
$500–$700
Contractors
17,000 vetted contractors
Service call fee
$75-$125

Our Verdict

Is American Home Shield Warranty Worth It?

American Home Shield offers you the chance to customize your home warranty with optional add-on plans and adjustable service fees. It also has a more inclusive policy than most, covering, for example, undetected pre-existing conditions. Despite some poor reviews highlighting low-quality service, American Home Shield is a long-standing player, and its benefits, including multi-home discounts, could make it worth considering.

Average annual premium
$500–$700
Contractors
17,000 vetted contractors
Service call fee
$75-$125

American Home Shield at a Glance

9.6
Editorial Score

Contractor Network

A qualified, local pro contacts you to schedule an in-home visit,17,000 vetted contractors, in some areas you may be able to choose a video diagnosis
9.0

Plans

3 plans: ShieldSilver covers parts of 14 major home systems, ShieldGold covers 23, ShieldPlatinum covers 23 plus roof leaks
10.0

Response Time

24-48 hours
10.0

Customer Service

Request service online 24/7, call (888) 682-1043 or use the comprehensive FAQ
10.0

Offers

Email promos, special prices for AARP members, no free month
9.0

American Home Shield Pros & Cons

PROS

A range of add-on options to customize your coverage
Automatically covers duplicates of the same item
Covers older items, including rust and corrosion

CONS

No repair time frame guarantee
Some negative customer reviews

Top American Home Shield Reviews

CT
CHERI R THOMPSON
Worth Every Penny
I trust American Home Shield to be responsive to my service requests and always get good service. I’ve received great service through the years. I can only recall 1 electrician that I was not pleased with but the majority of their contractors are knowledgeable and very professional. I wouldn’t be without American Home Shield.
FJ
Fazel Jafari
Everything went very smooth and the…
Everything went very smooth and the technician was very professional and knowledgeable
Deb B
I have been with American Home Shield…
I have been with American Home Shield for over 5 years. Their service is very prompt and courteous. Anytime I have had a emergency at home with maintenance or appliances, they have been really good about sending service on the same day or next day
See all American Home Shield reviews

How do I know I can trust this American Home Shield review?

Top10.com authors, contributors, and editors are serious about research. We combine our own experience with the services we recommend, with reviews that come from verified users–just like you! Together, with reviews from industry experts, we find the Top 10 best products and services to make sure you can choose with confidence and ease.

American Home Shield American Home Shield Visit Site

Overview

You can obtain a free, instant quote from the American Home Shield website by giving your address and confirming the plan you’d like to purchase, as well as the service fee you’d prefer. 

American Home Shield Plans 

American Home Shield offers 3 main plans: ShieldSilver, ShieldGold, and ShieldPlatinum. In addition, you can include any of the add-on options to enhance your coverage.


ShieldSilver

(best for basic systems cover)

ShieldGold

(best for systems and appliances)

ShieldPlatinum

(best for added extras and high price caps)

Heating and cooling systems

x

x

x

Electrical systems

x

x

x

Plumbing systems

x

x

x

Kitchen appliances

x

x


Laundry appliances

x

x


Roof leak repairs

x



Free heating, ventilation, and air conditioning (HVAC) tune up

x



Unlimited air conditioner refrigerant

x



Coverage for code violations and permits

x



Optional Add-Ons

American Home Shield offers 6 additional coverage options which can be bolted onto your base plan to provide extra cover where needed:

  • Electronics protection (home electronics and entertainment products)
  • Pools and spas (heating, pumping, and filtration systems)
  • Roof leak repairs
  • Guest unit (under 750 square feet)
  • Septic pump
  • Well pump

Plan Exclusions

Unusual for a home warranty service, American Home Shield will cover older items and those that have been neglected or have an undetectable pre-existing condition. However, there are some coverage limitations. American Home Shield will only cover residential properties, not those used for business or commercial purposes. It also won’t cover any damage or malfunction caused by a third party such as a manufacturer, distributor, or builder. There are also additional limitations for particular appliances or systems.

How to file a claim with American Home Shield

You can request service through American Home Shield 24/7, either online or by phone. There’s no limit to the number of service requests you can make, but there is a cap on the amount you can claim for some repairs. For example, American Home Shield will pay up to $1,500 per contract term to access, inspect, and repair or replace heating and air conditioning units. The ShieldGold package has a $3,000 cap for appliances. And the ShieldPlatinum plan raises this to a $6,000 cap for covered appliances, plus $1,000 for correcting code violations, $1,500 for roof leak repair (the highest limit of any home warranty company), and unlimited air conditioner refrigerant cover.

Is American Home Shield Legit? 

Reviews for American Home Shield are mixed. On Trustpilot, 95% of reviews are ‘Bad’. Customer complaints include the quality of contractors and the slow speed of repairs. However, the 3% of excellent reviews note the quick and efficient service. On ConsumerAffairs, the average rating is 4.4/5. Again, it’s a mixed bag when it comes to response times. 

The Better Business Bureau (BBB) rates American Home Shield with a ‘B,’ with an average rating of 2.52/5 based on 8,876 customer reviews. 

What’s Unique About American Home Shield?

American Home Shield offers a number of benefits, including:

  • Refer a friend - referring a friend who goes on to purchase a warranty will get you a $25 Amazon voucher
  • Additional property discounts ($50 for each)
  • Discounts on buying new brand name appliances
  • 50% off retail prices when buying air conditioning and furnace filters

What about the American Home Shield app?

American Home Shield does not currently offer a mobile app.

Help and Support

American Home Shield has a useful blog covering home maintenance advice and a thorough FAQs section on its site. As a customer, you can reach American Home Shield 24/7 through your online account or by phone. You can also make queries by email. 

American Home Shield Pricing

American Home Shield lists its average annual premium as $500–$700 per year, with the exact cost dependent on your home and the package selected. We obtained quotes for properties in California to compare to the company’s quoted averages:


ShieldSilver
ShieldGold
ShieldPlatinum

Annual premium, Texas

Lowest: $299.88

Middle: $419.88

Highest: $659.88

Actual average: $437

Lowest: $419.88

Middle: $539.88

Highest: $779.88

Actual average: $568

Lowest: $779.88

Middle: $899.88

Highest: $1,139.88

Actual average: $979

Annual premium, California

Lowest: $299.88

Middle: $299.88

Highest: $539.88


Actual average: $365

Lowest: $419.88

Middle: $419.88

Highest: $659.88


Actual average: $507

Lowest: $779.88

Middle: $779.88

Highest: $1,019.88


Actual average: $910

As our quotes show, the premium can be significantly higher in some areas than in others. 

Additionally, you can choose your service fee; either $100 or $125. Choosing a higher service fee can mean a lower monthly premium. Including add-on coverage options will add $50–$258 to your annual cost, depending on what you choose. 

American Home Shield Alternatives

How American Home Shield Compares to Other Home Warranties

American Home Shield is similar to its competitors in terms of the pricing for its plans, although its service fee can be more expensive if you opt for the lower premium option. Its network of contractors is decently sized. While 24/7 service is fairly standard in the home warranty industry, the add-on coverage options make it easy to customize your basic package, and American Home Shield offers more discounts and deals than some companies.


Select Home Warranty
Choice Home Warranty
Complete Care Home Warranty

Average annual premium

$599.88-$839.88

$476-$660

$450-$570 

Contractors

6,800 in-network

15,000 in-network

In-network (number not specified)

Service call fee

$100-$125

$75-$85

$60

Service requests

Service requests can be submitted online or by phone, 24/7

Service requests can be made online or by phone, 24/7

Service is available by phone, 24/7

American Home Shield vs Select Home Warranty

Select Home Warranty’s premiums can be a little more expensive than American Home Shield, although in some cases the service fee can be lower. Where American Home Shield has an advantage is its larger confirmed network of contractors, which may make you more confident in its ability to find local service for you. American Home Shield also offers a stronger range of deals and discounts. 

American Home Shield vs Choice Home Warranty

Choice Home Warranty is slightly cheaper than American Home Shield in terms of premiums and service fee. Its $3,000 cap on items is matched by American Home Shield if you’re on the ShieldGold plan, but if you invest in the ShieldPlatinum plan, you can raise this to $6,000. Therefore, if you are keen to cover more expensive repairs, American Home Shield could be worth the extra money.

American Home Shield vs Complete Care Home Warranty

Complete Care Home Warranty is somewhat cheaper than American Home Shield, both in terms of premium and service fee, so could be a better choice if you’re on a budget. However, we noted Complete Care Warranty’s low service caps on a range of items (only $500), which might feel restrictive. Additionally, American Home Shield’s add-on plans might suit you if you’re looking for a simpler way to customize your cover. 

American Home Shield American Home Shield Visit Site

Bottom Line

American Home Shield offers solid coverage for the appliances and systems in your home and can ultimately save you money when things go wrong. What sets its service apart from competitors is its inclusive terms, covering items that are rusted or corroded or with undetected pre-existing conditions. Additionally, it offers add-on coverage options rather than a long list of single products, making it quicker and easier to customize your cover to suit your needs. Although it’s important to be aware of some negative customer feedback, American Home Shield also has satisfied members and offers some attractive incentives like friend referrals. If you’re looking for a customizable home warranty, American Home Shield could be the choice for you.


* New Jersey Residents: The product being offered is a service contract and is separate and distinct from any product or service warranty which may be provided by the home builder or manufacturer.

Frequently Asked Questions
Is American Home Shield legitimate?+-

American Home Shield has been operating for over 50 years and has 1.8 million members. While many members are satisfied with its service, some have logged negative reviews, including complaints about the speed and quality of repairs. However, the business remains accredited by the BBB (B grade).

Does American Home Shield cover pre-existing conditions?+-

American Home Shield covers undetected pre-existing conditions that wouldn’t be seen or found via mechanical tests.

When does American Home Shield coverage begin?+-

American Home Shield coverage starts after 30 days. This doesn’t count if you’ve bought or received your warranty as part of a real estate transaction, in which case, coverage starts when your deal is closed. If you renew your cover, it will roll over with no waiting period.

How do American Home Shield home warranties work?+-

American Home Shield warranties cover your systems and appliances (according to the plan you’ve purchased) for a year. If your systems and/or appliances break down, you can contact American Home Shield, who will arrange for a contractor to repair or replace the faulty item(s), subject to limitations. The American Home Shield network of contractors has over 17,000 members. This can save you the hassle of finding your own contractor. The company’s plans also cover items not usually included in standard home insurance.

How much does American Home Shield cost?+-

The average annual premium for an American Home Shield warranty is $500–$700. You will also need to pay a service fee of your choice ($75, $100, or $125). Paying a higher service fee can lower your premium. Additionally, you may decide to include an optional bolt-on plan for $50–$258.

Catherine Miller is a lead member of personal finance and pension innovator Maji, where’s she’s responsible for content creation and running Maji’s personal finance masterclass. Miller also holds degrees in English and education, and worked as a teacher before moving into writing about finance for Top10.com. Today, she combines aspects of education and personal finance to help readers make better decisions in finance and beyond.

American Home Shield reviews

Poor • Reviews 5,368
on
Excellent
18%
Great
1%
Average
1%
Poor
2%
Bad
77%
Sort by
CT
CHERI R THOMPSON
4 weeks ago
Worth Every Penny
I trust American Home Shield to be responsive to my service requests and always get good service. I’ve received great service through the years. I can only recall 1 electrician that I was not pleased with but the majority of their contractors are knowledgeable and very professional. I wouldn’t be without American Home Shield.
FJ
Fazel Jafari
1 month ago
Everything went very smooth and the…
Everything went very smooth and the technician was very professional and knowledgeable
Deb B
1 month ago
I have been with American Home Shield…
I have been with American Home Shield for over 5 years. Their service is very prompt and courteous. Anytime I have had a emergency at home with maintenance or appliances, they have been really good about sending service on the same day or next day
David T Brooks DC
1 month ago
Prompt professional and helpful
When ever I need a repair done they are fast to assign a tradesman and supply the work order and company number. I call and usually get the repairman next day or two.

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