Home Warranty Coverage

What Does a Home Warranty Cover?

Items available for home warranty coverage may include: kitchen appliances, clothes washer and dryer, and the major components of central air conditioning systems, central heating systems, plumbing system, and electrical system. Many of these items are covered based on the home warranty plan that you choose.

AHS Replacement Policy

At American Home Shield®, we will fix or replace your covered items and systems - or find an alternative solution. Unlike other home warranties, we cover older items that break down or malfunction due to age or normal wear and tear, as well as pre-existing conditions or breakdowns caused by a lack of maintenance, including rust or corrosion. All of this without needing to provide maintenance records. It's that easy.

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Systems Warranty Coverage
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Appliance Warranty Coverage
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Yes, our plans cover guest houses and rental units under 750 square feet. If your guest house is larger than that, you will need to purchase additional home warranty coverage.

If we determine your covered appliance or system component can't be repaired, we'll offer a replacement, or send you a check for the cost to American Home Shield for the repair (up to the limit stated in your contract, minus the cost incurred to diagnose the problem).

Our home warranty covers components and parts of the following types of air conditioning systems:

  • Ducted central electric split and package units
  • Geothermal
  • Wall air conditioners
  • Mini-splits

During the term of your contract, American Home Shield will pay for access, diagnosis, and replacement related to necessary or required heating and air conditioning system efficiency and other upgrades except:

  • Costs associated with plenums and refrigerant line sets and
  • Any other heating and air conditioning-specific limitations and exclusions in your Agreement. A "necessary or required upgrade" is a replacement improving manufacturer specification energy efficiency or system performance due to circumstances beyond the control of you or American Home Shield (such as inability to obtain parts/equipment or government mandated system modifications).

We cover all the following parts of your air conditioning ductwork:

  • Plenums
  • Dampers
  • Damper-only controls
  • Leaks or breaks in ductwork (sheet metal, duct board, and flex duct including vapor barrier) from heating and/or air conditioning unit(s) including registers or grills

Besides the specific terms listed here, coverage may be limited by general limitations and exclusions in your home warranty contract. For more coverage information, please read the sample contract, including but not limited to, the "Coverage Overview" and "Limitations and Exclusions" sections.

What we don't cover:

  • Outside or underground piping, well pump, and well pump components for geothermal and/or water source heat pump
  • Window units
  • Water towers
  • Chillers
  • Chiller components
  • Water lines
  • Legally mandated diagnostic testing when replacing heating or cooling equipment.

Coverage for certain air conditioning systems is limited to $1,500. This limitation only applies to the access, diagnosis, and repair or replacement of any geothermal and/or water source heat pumps, glycol, hot water, or steam circulating systems. In certain circumstances, ductwork coverage may be $1,000. For more details, please read the "Air Conditioning and Heating Note" in the sample contract.

In addition, we'll pay up to $10/pound per occurrence for refrigerant. The customer will be responsible for paying anything beyond $10/pound per occurrence for refrigerant.

If you'd like to learn more about what's covered, check out our blog post, What to Expect from Your Home Warranty Coverage if You Have an HVAC Issue .

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, other exclusions and limitations may apply - download a sample contract to see a specific list of limitations and items that are excluded from coverage.
Absolutely. We automatically cover multiple systems and appliances within the same home via our Appliances, Systems, and Combo plans.

Plans purchased through a real estate transaction, such as ShieldEssential, ShieldPlus, or ShieldComplete, have different coverage limitations and exclusions.

Yes, we separately offer the Electronics Plan by Asurion, which covers a variety of unlimited new and used electronics.

There are many factors that affect how long it will take for your covered item to be fixed (such as: the nature of your issue, parts availability, and scheduling matters). Our goal is to assign your contractor as quickly as possible to get the process underway.
Yes. You can add coverage for your pool and in-ground spa to any of our plans. However, if you want to add this coverage after your contract has been in effect for more than 60 days, an inspection (at your expense) is required.
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