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American Residential Warranty Review (2023)

A home warranty with tons of options and unlimited contractors
By Michael GrawMichael Graw -
Last updated: Jan 08, 2023
logo-ARW HOME
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Average annual premium
$300-$1500
Contractors
Unlimited (Choose your own)
Service call fee
$55-$75

Our Verdict

Is American Residential Warranty Worth It?

American Residential Warranty is a great option for homeowners seeking out a variety of warranty options. The company offers six standard home warranty plans, with the ability to customize a plan to fit your unique needs. The monthly fees cover the cost of replacement or repair of most major home appliances or systems. You’ll be able to choose your own licensed contractor or one of the company’s licensed service technicians.

Average annual premium
$300-$1500
Contractors
Unlimited (Choose your own)
Service call fee
$55-$75

ARW Home Pros & Cons

PROS

Choose your own contractor
Optional coverage available for electronics
Build custom plans with additional coverage options

CONS

Can’t file claims online
Can only cancel plan through written notice

How do I know I can trust this ARW Home 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.

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Overview

American Residential Warranty at a Glance

How to Get Started with American Residential Warranty

You can sign up for an ARW home warranty plan by filling out a form online. You’ll be asked to provide some basic details, including your name, email address, phone number, and zip code. You’ll then be given a list of quotes, and you can select the plan that best suits your needs. 

When signing up for a plan, you’ll need to provide information about the appliances you want covered, such as the make, model, and age of the appliance. If you have any difficulties signing up for a plan online, you can contact a customer service representative to help you through the process. 

To cancel your plan, you’ll need to send a written notice to the company’s headquarters. You’ll get a full refund if you cancel within 30 days, and otherwise you’ll receive a prorated refund equal to the remaining length of coverage. 

ARW Plans 

ARW offers six plans, allowing you to customize your coverage to fit your needs.

Items Covered
Heating and Cooling
Kitchen Plus
Platinum
Platinum Premier
3-in-1 Bundle
4-in-1 Bundle 

Central AC


Central Heating


Washer and Dryer

Interior Electrical System

Humidifier


Refrigerator


Oven/cooktop


Dishwasher


Garbage Disposal


Built-in Microwave


Kitchen Exhaust Fan


Plumbing System




Water Heater


Plumbing Stoppages 




Ductwork




Ice Maker 




Garage-Door Opener




Ceiling fans




Ultimate Electronics Package





Deluxe Advantage Package





Water & Sewer Lines






Optional Add-Ons

ARW offers add-on coverage for a number of systems and appliances, including:

  • Ultimate Electronics Protection (laptops, tablets, TVs, game consoles, desktops, printers, and other electronic devices)
  • Deluxe Advantage Package (AC refrigerant and coils, plumbing faucets and fixtures, garage door springs and tracks, improper installation, mismatched systems, and toilets.)
  • Pools and spas
  • Well pumps
  • Food spoilage
  • Additional refrigerators
  • Additional cooktops and ovens 
  • Ceiling fans
  • Water heaters
  • Washers and dryers
  • Ice makers 
  • Plumbing systems
  • Built-in microwaves
  • External water or sewer lines

Plan Exclusions

ARW doesn’t cover items that are damaged due to misuse or abuse. For example, if your microwave breaks because you place something in there that shouldn’t go in there, ARW won’t cover the damage. 

ARW also only offers coverage for single-family residential homes. If the home is used for commercial purposes (i.e., if it’s a daycare or church), then ARW won’t cover you.

How to file a claim with ARW

One of the downsides to ARW is that claims can’t be filed online. To file a claim, you’ll need to call the specific number dedicated to your plan or state. 

  • (877) 637-7890: Claim line for all states except California, Iowa, Texas, and Virginia
  • (800) 863-8600: Claim number for the above-excluded states 
  • (844) 885-8621: Number for Ultimate Electronics Protection

Once you call the number, you’ll be assigned a service provider and ARW will give you their contact info. You can then call the service provider to schedule your diagnostic and repair service. 

ARW responds to claims within 36 hours, and it’ll try to get a technician to your home within 48 hours. If the repair is deemed an emergency, it’ll try to shorten the response and repair time to 24 hours. 

While ARW doesn’t stipulate the number of claims you can file, it has a payout cap of $2,500 per item per year.

Is ARW Legit? 

ARW has an A+ rating with the Better Business Bureau. It’s also verified on Trust Pilot and has a 3.8/5.0 rating, with over 600 reviews. 

What’s Unique About ARW?

ARW is unique in that it lets you choose your own contractor or technician for repairs if you don’t want to use an ARW-registered contractor. Before completing repairs, the contractor just needs to call ARW to be authorized. This way, you’ll only be responsible for the service fee. 

ARW also guarantees 30 days on labor and 60 days on parts. If the repair fails within this period, the company will send a technician over to fix it, free of charge. 

Mobile App

ARW does not offer a mobile app. 

Help and Support

In addition to 24/7 claims support, ARW also offers customer support via phone. Customer service can be reached  at (800) 910-8538 Monday to Thursday 8:30 am to 7 pm EST, Friday 8:30 am to 4 pm EST, and Saturday 9 am to 6 pm EST. 

For billing inquiries, call (877) 752-6796, Monday to Thursday 8:30 am to 7 pm EST, Friday 8:30 am to 4 pm EST, or Saturday 9 am to 6 pm EST. 

If you don’t get through to billing or customer service, you can expect to hear back within a few hours or by the next day, depending on when you call. ARW also has a contact form on its website and a robust FAQs page. 

American Residential Warranty Pricing

How Much Does American Residential Warranty Cost?

The price of your ARW home warranty coverage depends on the plan you choose and if you select any add-ons. ARW’s prices are a little high compared to industry standards, but they can be worth it since its coverage is extensive. Here are the base prices for each plan.

Plan 
Monthly Premium

Heating And Cooling

$39.99

Kitchen Plus

$34.99

Platinum

$49.99

Platinum Premier

$59.99

3-in-1 Bundle

$109.99

4-in-1 Bundle

$124.99

Ultimate Electronics Protection (add-on) 

$24.99

Deluxe Advantage Package (add-on)

$25.99 (Available on Platinum Premier only)

In addition to monthly premiums, service fees range from $55-$75 per visit, which is very affordable compared to other plans.

American Residential Warranty Alternatives

How American Residential Warranty Compares to Other Home Warranties

As you can see from the table below, ARW has other companies beat when it comes to its service call fees, with prices starting at $55. While other home warranty companies offer plenty of in-network contractors, ARW is the only one that lets you choose your own contractor that isn’t ARW registered, giving you access to unlimited options. 

You’ll also notice that ARW has a wider range of annual premium costs, highlighting how customizable the plans are and demonstrating that there is a plan for every budget.


ARW
American Home Shield
Select
Choice

Average annual premium

$300-$1500

$500-$700

$630-$700

$560-$660

Contractors

Unlimited (Choose your own)

17,000 in-network 

10,000 in-network 

25,000 in-network 

Service call fee

$55-$75

$75-$125

$75-$100

$85

Service requests

24/7

24/7

24/7

24/7

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Bottom Line

ARW offers a variety of home warranty plans to fit homeowners’ needs. While ARW plans can be pricey compared to the industry standard, coverage is extensive. Even though you can’t file a claim online or through an app, you do have the option of choosing your own contractor, which can help speed up repair times.

Service requests can be made 24/7, 365 days/year, and you only need to pay $55-$75 in service fees, making ARW attractive if you’re willing to pay a bit more upfront to get lower costs and comprehensive coverage when an appliance breaks.

Frequently Asked Questions
Does American Residential Warranty cover pre-existing conditions?
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No, home warranty companies usually won't cover pre-existing conditions, similarly to insurance companies.
How good is ARW?
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ARW is an excellent home warranty service, offering a variety of customizable home warranty policies.
What does ARW cover?
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Depending on the plan you choose, ARW may cover your kitchen appliances, heating and cooling system, washer and dryer, electronics, and more.
How much does an American Residential Warranty policy cost?
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Annual premiums range from $300-$1500.
Does American Residential Warranty charge a deductible for service or repairs?
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Service fee calls range from $55-$75.
Michael Graw is a freelance journalist and photographer based in Bellingham, Washington. His work has been published on a wide selection of popular websites, and he has built a solid reputation for his writing in the technology and finance sectors. Michael has a particular interest in new technology and runs a small business where he constantly puts the latest web, business, and consumer tech through its paces.
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