Home Warranty | American Home Shield
Home Warranty guide

Home Warranty

A home warranty is a contract covering repairs and replacements on systems and appliances in your home.

What is a home warranty?

A home warranty is a year-long, renewable home service plan that helps with the cost to repair or replace parts of a home’s systems and appliances. It’s not homeowners insurance, but acts as a complement to it – protecting things that your insurance doesn’t.

Your home systems and appliances, like your water heater and oven, will break down over time. And sometimes, things just stop working, no matter how old they are. It happens. That’s where a home warranty comes in – offering a budget-friendly solution for covered household breakdowns. 

And if it’s peace of mind and convenience you’re looking for, we’ve got you covered. Our service plans remove the guesswork. No time spent asking for repair recommendations or calling contractor after contractor. When things go wrong in your home, you’ll know exactly what to do. 

What's covered? 

We cover components that make up the home systems and appliances you use everyday — no matter their age. And we don't require maintenance records or home inspections before activating your home warranty coverage. It's similar to appliance insurance or system’s insurance that you may have for one item, but our home warranties help cover multiple items. Depending on the type of plan you choose, we cover components of home systems, appliances, or both – things like your heating system, water heater, electrical system, dishwasher, clothes washer/dryer, and more.

And if we can’t repair a covered item, we’ll replace it. As a member, we want you to know that your budget, your time, and, let’s be honest, your sanity is covered. 

Home Systems

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Heating and Cooling


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Laundry Appliances
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Kitchen Appliances
Requires the purchase of a base plan

Compare our Plans

Let's face it, stuff breaks down. An American Home Shield home warranty can help make these inevitable breakdowns less stressful. As a member, you know your budget, your time and let's be honest, your sanity, are covered

How repairs work

1. Start a request online or by phone.

When a covered item breaks, you can request service online or by phone — day and night.  Pay your set Trade Service Call Fee when you request service. Log into your account to check the status.

2. We assign a professional.

We assign a qualified local contractor from our network to diagnose your covered item and offer a solution. Our network of more than 17,000 qualified contractors in 49 states covers every trade we service.

3. We cover the repair.

Based on the contractor's diagnosis, we'll determine whether your problem is covered by your home warranty.   If it is covered, the contractor will repair or replace your covered item subject to limitations and exclusions.

You'll get a follow-up email to make sure your problem was resolved to your satisfaction.

Why do I need a home warranty?

Breakdowns are inevitable due to normal wear and tear. A home protection plan covers the cost of parts, repairs and, if necessary, a replacement.

  1. Protect your home and bugdet: Get peace of mind knowing that household breakdowns are covered and you won't be overcharged for repairs.
  2. A trusted network of technicians: We use licensed contractors from our network, and they're regularly evaluated by members to make sure they're meeting our standards.
  3. Save time and money: American Home Shield will assign a contractor and take care of the logistics allowing you to get back to life as quickly as possible.

Home Warranty vs. Homeowners Insurance.  What is the Difference?

Don’t think of us as insurance. Think of us as a plan to keep your systems and appliances working like they should. Homeowner's insurance protects against things that might happen — like fires, theft or natural disasters.

Home warranties get used more – in fact, you’re 28 times more likely to use it than insurance. It helps protect your budget from the cost of repairing or replacing things you count on to keep your home running every day.

Homeowners Insurance
covers things that might happen.
Home Warranty
covers things that will happen.
Theft HVAC stops running
Fire damage Water leaks
Storm damage Dishwasher stops running
Floods Toilet overflows

Learn more about Home Warranties vs. Home Insurance

Fees explained.

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.

American Home Shield offers several different home warranty plans, which vary in cost and coverage. If you're not sure which plan is best for you, check out the differences with our Home Warranty Comparison chart.

  • ShieldGold PlanTM
    • Our most popular plan provides comprehensive coverage for parts of your home’s 23 essential systems and appliances.

  • ShieldSilver PlanTM
    • Coverage for 14 major home systems. Help protect parts of major systems that keep your home running.

Maintenance programs

Get your furnace cleaned and serviced ealy in the season, before cold temperatures set in and your local HVAC professionals are swamped with furance service requests.  Getting your furnace checked out can nip potential problems in the bud and save you the inconvenience and discomfort of dealing with a furnace breakdown in the middle of winter.  For a limited time, American Home Shield (R) offers its customers a Pre-Season Heating System Tune-Up for just $75.

What is a real estate home warranty? 

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.


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