Home Warranty
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Doesn't homeowners insurance cover breakdowns? Not necessarily. Homeowners insurance covers what might happen to your home, like damage from fires, theft or storms. Home warranties cover what will inevitably happen to your home, like system and appliance breakdowns due to normal wear and tear.
AC - Covered
Heating - Covered
Water Heater - Covered
Refrigerator - Covered
Oven - Covered
Home warranty plans cover what WILL happen
VS.
Homeowners insurance covers what MIGHT happen
You’re 25 times* more likely to use a home warranty than your homeowners insurance. Why? Because unlike insurance, we cover the things you use every day. To learn more, visit our Home Warranty vs Home Insurance blog post.
*Calculated based on the 2025 AHS claims data compared to insurance claims from Insurance Information Institute.
Let’s face it: life happens. Many homeowners prefer to supplement their homeowners insurance by also purchasing an American Home Shield home warranty plan to grant full peace of mind. Because a home warranty gives you only one number to call to handle those costly home repairs, saving you time and protecting your wallet.
Thinking about coverage?
Sounds like a plan. Find the warranty that fits you best.
A home warranty is an annual, renewable service contract that can provide coverage for home systems and appliances. It complements homeowners insurance by protecting things your insurance doesn't. When a covered home system or appliance breaks down due to normal wear and tear, your home warranty plan helps cover the cost to fix the item subject to the terms of the home warranty agreement. AHS will send a qualified, independent Pro to diagnose the issue. If we can't repair the covered item, we'll replace it.
American Home Shield members also have access to member benefits including special pricing on home maintenance services, new appliances, HVAC systems and more - from tech and smart home installation services to pre-season HVAC tune-ups.
See the plan agreement for coverage details, including service fees, limitations and exclusions. Coverage limits and charges for non-covered items may apply. Separate services may be offered to members by affiliates or third parties for additional fees and/or terms.
Generally, a home warranty plan offers coverage for the parts and components of your kitchen appliances, washer and dryer, and major home systems such as your heating and AC, electrical and plumbing systems. Coverage also includes repairing or replacing covered items, subject to the limitations and exclusions in your plan agreement.
Home warranties typically have a 12-month plan agreement term and can be purchased for a low monthly cost. A home warranty is purely elective, but it’s a smart purchase. Homeowners insurance is typically mandatory in order to obtain a mortgage loan and is renewed annually.
Home warranty coverage can potentially save you hundreds or even thousands of dollars, and it helps you avoid the headache of finding a trusted service Pro to make the repairs.
For American Home Shield members, a home warranty includes coverage of major components of up to 27 important appliances and home systems. Members also have access to benefits like home maintenance services such as seasonal HVAC tune-ups, and optional add ons to customize coverage.
Have a plan for your home when things don't go according to plan
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