Frequently Asked Questions

American Home Shield wants to help you find the information you need. Please see below for a list of our most-asked questions!
Most Commonly Asked Questions
How is a home warranty different from homeowners insurance? Top
Homeowners insurance typically protects your home from things that might happen, like fires, theft or natural disasters. A home warranty helps protect your budget when covered components of home systems and appliances break down due to normal wear and tear.

If you want to learn more, check out our blog post on the difference between homeowners insurance and home warranties .
Can I view a sample contract? Top

Yes, but keep in mind that contracts and coverage vary from state to state. View a sample contract. For question regarding your state's coverage, please contact 888.682.1043

Can I choose my own contractor? Top

To expedite service on your request, American Home Shield will assign a contractor to reach out to you as quickly as possible. In some cases, American Home Shield may offer you the ability to choose your own contractors, also known as Outside Authorizations. If you choose to use outside authorizations, the service contractor must be licensed where applicable, qualified in the applicable state and trade, adequately insured for worker's compensation and third-party general, and have automobile liability coverage. The chosen contractor must provide a diagnosis and itemized bid to American Home Shield before any work is performed. American Home Shield will not reimburse you for services performed without prior authorization. You are responsible for paying the service contractor's charges and then must forward the invoice to American Home Shield for reimbursement less any applicable Trade Service Call Fee or costs not covered by your home warranty.

Claims and Coverage
How long does my contract last? Top
The standard home warranty contract is 12 months.
How do I request service? Top
Once your coverage begins, you can request service 24/7 online. You can also call 888.682.1043 to request service.
Is there a limit to the number of repairs during my contract term? Top

No. We do not place a limit on the number of covered repairs, although some coverage limitations and exclusions, such as dollar amount caps, may apply. Please review the sample contract for a specific list of coverage limitations and exclusions.

How does American Home Shield determine if my claim is approved or not? Top

We evaluate the contractor's diagnosis and determine if it's covered in your contract.

Please Note: Your Trade Service Call Fee doesn't pay for any repairs, it is the fee you pay for the contractor's visit to your home. It doesn't pay for any repairs.

We thought the issue was fixed, but it's not. Can the contractor come back? Top

Yes. We offer a 30-day workmanship guarantee, which means if you have an issue regarding your completed repair within 30-days of service, we'll send a contractor back out for free. Either request service online or call 888.682.1043.

Do you offer coverage for stand-alone freezers? Top
No, we do not cover stand-alone freezers.
Do you offer roof coverage? Top

Yes, we offer roof leak repair coverage in select states.

Money Matters
Can I customize my payment options? Top
Yes, you can pay monthly (for no additional finance fee) or annually. If there’s a specific day you want to start your billing cycle each month, call 888.682.1043. You can also pay by checking account, credit or debit card.
How much do I pay when I request service? Top

You'll pay a Trade Service Call Fee for each different kind of trade professional (plumber, electrician, etc.) that comes to your home to provide service. You'll choose the amount (either $75, $100 or $125, plus sales tax where applicable) when you purchase your plan.

Depending on your plan, some coverage limits or exclusions may apply. For full coverage details, view our sample contract.

Why does American Home Shield offer different Trade Service Call Fee options? Top
Our customers asked for more flexibility with plans tailored to their budget. You can pay a higher Trade Service Call Fee to lower your monthly plan price, or choose a lower Trade Service Call Fee and pay a higher monthly price.
Will I have any out-of-pocket expenses? Top

Depending on the situation, you might. When you request service, you’ll pay your Trade Service Call Fee. In addition, you may be responsible for any repair or service costs that aren’t covered by your home warranty. For full coverage details, including limitations and exclusions, view our sample contract.

Do I get a discount for covering more than one home? Top
Yes, you'll get a $50 discount on coverage for each additional home (under 5,000 square feet).
Are there any additional benefits to buying an American Home Shield Home Warranty? Top

Becoming an American Home Shield customer comes with extra benefits:

  • Refer a Friend - Refer a friend to American Home Shield, and we’ll say thanks with a $25 Amazon gift card.
  • Additional Property Discounts - Save money when you buy warranty coverage for multiple properties.
  • Discounts on Appliances - We pass our discounts on name brand appliances to you.
  • Discounted Air Filters - Get up to 50 percent off retail prices on filters for your AC and furnace. And, we'll deliver them to your door.
Doesn’t a manufacturer's warranty cover the same things a home warranty does? Top

A manufacturer's warranty typically covers the failed part of a single appliance or system, but it doesn't always cover the cost of the labor or repair. American Home Shield helps protect your budget when covered components of home systems and appliances break down due to normal wear and tear including the cost of labor or repair. We’ll either repair or replace your covered items – or find an alternative solution. Plus, we cover multiple appliances*, so if you have two refrigerators, they’re both covered.

*Applicable only to Systems, Appliances, Combo, Build Your Own, ShieldSilver, ShieldGold and ShieldPlatinum plans.

Current Customers
How do I set up my online account? Top
Visit MyAccount to register.
How can I find out the status of my service request? Top
You can check the status of your service request by logging into MyAccount.
Can I change my plan? Top
Of course. You can make changes to your coverage for 60 days after your plan becomes effective. To change your plan, call 888.682.1043.
How do I make sure my coverage continues/renews when the year is up? Top

If you have set up automatic payments with us, we will send your next year's agreement at least 30 days before your current contract expires. If you do not have automatic payments set up, you can contact us to continue coverage by logging into MyAccount or calling 888.682.1043.

Can I cancel at any time? Top
Yes, you can cancel at any time.

If you cancel your contract within the first 30 days of your coverage, we'll refund your contract fees minus any service and claims incurred by American Home Shield.

If you cancel your contract after 30 days, you'll receive a pro-rated refund of your contract fees for the rest of the contract term, minus an administrative fee of up to one month's payment (where permitted by law) and any service or claims costs incurred by American Home Shield. Terms may vary by state.
How do I cancel my contract? Top
To cancel your contract, please call 800.858.1922 and a customer representative will assist you. At this time, the MyAccount tool does not support cancellation.

Please note, if you are moving, you can transfer the remainder of your plan to the new buyer and set up coverage for your new home. Call 800.735.4663 to transfer your warranty.
Buying or Selling a Home?
What is a real estate home warranty? Top
An American Home Shield® Real Estate Home Warranty is a service agreement that covers the repair or replacement of many major home system components and appliances. It is available to sellers (limited listing coverage) and buyers typically via their real estate brokers in the context of a real estate transaction only.

We also offer home warranty plans for customers who are not in a real estate transaction. See Pricing and Plans.
Why do I need a real estate home warranty? Top

If one of your home's appliances or systems breaks down, it can mean more than your air conditioning or dryer notworking — it it can also mean having to cover an unexpected expense. Instead of paying the full retail cost to repair or replace a covered item, a real estate home warranty can help you manage the costs of unexpected, covered breakdowns.

Why is buying a real estate home warranty a good decision for my budget? Top
A real estate home warranty helps protect your budget when a covered item breaks down. You pay your Trade Service Call Fee when you request service instead of paying the full retail cost of repairing or replacing a covered item out of pocket. You are also responsible for any costs not covered.
Can I transfer my real estate home warranty contract to someone who buys my home? Top
Yes. To transfer your agreement, please call 800.735.4663.
Can I add a real estate home warranty to the house I'm buying after closing? Top
You can add a warranty to your new home at any time, but you must add the warranty to your new home within 60 days of closing to take advantage of our special real estate pricing.
How do American Home Shield's real estate home warranties work? Top

We have three home warranty plans designed for residential real estate transactions (described in the next FAQ).

To see real estate home warranty options for a home you're buying, review our available real estate plans. Then, ask your real estate agent to arrange the warranty to be purchased from American Home Shield.

What are the real estate home warranty plans offered? Top
American Home Shield offers three high-value home warranty plans at an affordable price for real estate customers:
  • ShieldEssential ℠: Covers components of the most critical home systems that are often the most expensive to repair and replace (heating*, air conditioning, plumbing, and more).
  • ShieldPlus ℠: Covers items included in the ShieldEssential Plan plus many common, major household appliances.
  • ShieldComplete ℠: Offers the most comprehensive coverage, including the items in ShieldEssential and ShieldPlus combined, plus some additional home items (like garage door openers and doorbells).

*Not available in Hawaii.
Is real estate home warranty coverage offered to sellers? Top

Yes. If you are selling your home, you can add the Seller Coverage Option*. Click here for a quote to help protect your home while its on the market.
Here's how our Seller Coverage Option* works:

  1. Seller chooses the home warranty plan to provide to the buyer.
  2. Seller adds on the Seller Coverage Option. This option covers the same items as the ShieldEssential plan.
  3. Sellers enjoy coverage for up to 6 months (term renewable upon request and at the discretion of American Home Shield) while the home is on the market.
  4. Payment is not due until closing.
  5. The warranty transfers to the buyer and becomes effective at closing.

*Subject to a $2,000 cap for all trades during the listing period.

Do you offer two years of coverage at a special rate for Real Estate Edition Home Warranty Plans? Top
Yes! Most property types qualify for a 2-year plan at a discounted price through our Real Estate Edition Home Warranty Plans.
What if I am building a home? Top
Our new construction plan provides coverage from years 2-5 for a total of four years of home warranty protection. It can also be purchased anytime within the first year of closing on new construction.
Are multiple systems and appliances covered under an American Home Shield's Real Estate Edition Home Warranty? Top

Yes. If you have more than one of the following home systems or appliances, they're included in your coverage at no additional cost.

Covered Systems/Appliances:

  • Air Conditioning Systems
  • Heating Systems
  • Electrical - multiple items of hard-wired home electrical system
  • Plumbing - multiple items such as lines, faucets, shower heads, stoppages, etc.
  • Built-in Exhaust, Attic and Whole House Fans
  • Ceiling Fans
  • Water Heaters
  • Built-in Microwave Ovens
  • Dishwashers
  • Doorbells
  • Garbage Disposals
  • Ranges, Ovens, Cooktops
  • Garage Door Openers
  • Instant Hot/Cold Water Dispensers
Are there any exclusions to my real estate home warranty agreement or limits to my coverage? Top

Yes. We cover breakdowns that occur due to normal wear and tear. For example, if a hose on your dishwasher breaks due to normal wear and tear, we would cover it. But, if a child stands on the dishwasher and breaks the door, we would not cover it, because the damage was not from normal wear and tear, in addition to other exclusions and limitations that may apply. To see a list of limitations and specific items that are excluded from coverage, click to download our National Sample Agreement.

When can I start using my real estate home warranty plan? Top

Your coverage starts the day of closing, however, if payment for the home warranty funds has not been received from the home closing process, the number of service requests may be limited.

What happens if I sell my home before my agreement term ends? Top

If you sell your home before the end of your warranty agreement, you can transfer the remainder of your plan to the new buyer. Call 800.735.4663 to transfer your warranty.

Can I add or change coverage later to my real estate home warranty? Top
If you need to change or upgrade your coverage options, you can do it within the first 60 days from closing. To upgrade or change your coverage options, call 800.735.4663.
Can I view a real estate sample agreement? Top
Yes, we want you to review our agreements!
National Sample Agreement.
How long does my real estate agreement term last? Top
Our standard agreement lasts for 12 months after closing. If you chose the 2-year warranty, your agreement term will last for 24 months.
  • Most Commonly Asked Questions
  • Claims and Coverage
  • Money Matters
  • Benefits
  • Current Customers
  • Buying or Selling a Home?