Our Coverage
HVAC and Air Conditioner Warranty

Air Conditioning Warranty Coverage

Your air conditioner is an important system in your home, especially when outside temperatures rise. Even though air conditioners typically last 10 to 15 years, malfunctions can happen at any time. Having the right coverage makes it a lot easier to keep your HVAC system up and running. That's where we come in. Now when you discover a covered problem, you can simply call American Home Shield.

Air conditioners are covered in our ShieldSilver, ShieldGold and ShieldPlatinum plans, along with other Home Systems and Appliances.

*American Home Shield air conditioning home warranty will cover up to $1,000 should the contractor need to cut through concrete to access any HVAC system components. Geothermal A/C systems also have a coverage limit of $1,500.


  • Ducted central electric split and package units
  • Geothermal coverage limit of $1,500
  • Wall air conditioners
  • Mini-splits
  • Cost to reclaim and remove A/C refrigerant
  • Issues caused by mismatched units
  • $10/pound per occurence for refrigerant (Unlimited refrigerant coverage with ShieldPlatinum, which could save you $810 annually.)
  • No system is too old to be covered
  • Members don't need a maintenance record for repairs to be covered

Not Covered

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

See the plan contract  for coverage details, including service fees, limitations and exclusions. Charges for non-covered items may apply.

Typical cost to repair or replace without a home warranty can cost up to $3,800*
*Repair/replacement costs are the eightieth percentile of U.S. costs according to a nationwide survey of homeowners conducted in 2019 by ClearVantage for American Home Shield.

Want full coverage details?

View Sample Contract
Repair photograph

Leave the air conditioner repairs to us.

Let's face it, stuff breaks down. An American Home Shield® home service plan 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.


Yes, all three of our home warranty plans, ShieldSilver™ShieldGold™, and ShieldPlatinum™, include air conditioner repairs or replacement with a similar model (up to your plan's coverage limits and subject to limitations and exclusions of your contract. 

We cover all components and parts for covered HVAC systems, including ducted central electric split and package units, geothermal systems, mini-splits, and ductwork. See the specific A/C coverage details on the page above. Also, please note that some limitations apply, such as a $1,500 coverage limit for Geothermal air conditioning systems. American Home Shield air conditioner home warranty will also cover up to $1,000 should the contractor need to cut through concrete to access any system components. See sample contract for full details. 

Our standard HVAC home warranty contract term is 1 year and can be renewed upon expiration. There is a 30-day waiting period before you can make service requests when you purchase a new home warranty plan 

Yes, all of our plans offer coverage for refrigerant. We cover up to $10/lb. with the ShieldSilver™ and ShieldGold™ plans and unlimited refrigerant at no additional charge with the ShieldPlatinum™ plan, which is a great budget protector since refrigerant is so expensive. 

If we can’t fix it, we’ll replace it and cover the cost of removing the defective HVAC system, subject to your plan’s limitations and exclusions.  

Once your coverage begins (30 days after you purchase your new home warranty plan) you can request service 24/7 online or call 1-888-691-2854 during standard business hours to request service. 

Our best plan is the one that’s right for you! The ShieldSilver™ plan is for homeowners who want to cover the must-haves like your heating and cooling, plumbing, and electrical systems. The ShieldGold™ plan is perfect for anyone who wants to live life with less interruptions, especially in the laundry room and kitchen, with coverage for the main systems AND appliances you use every day. And with the ShieldPlatinum™ plan, you get coverage for just about everything: key components of 23 major home systems and appliances, plus premium features like Roof Leak Repair Coverage, double the coverage for appliances, and a free HVAC Tune-up. No two homes are the same, and that’s why we have options – so you can find the plan that fits your needs. 

The Trade Service Call Fee (TSCF) varies depending on what you selected while purchasing your air conditioning home warranty. We give you the freedom to choose between lower TSCF and lower HVAC warranty costs.

If you are after a home warranty that covers HVAC equipment for which you have no maintenance records, American Home Shield® ShieldSilver™, ShieldGold™, and ShieldPlatinum™  plans are perfect for you. All three of our home warranties cover repairs and/or replacement of your air conditioning system and covered items, regardless of their age or maintenance status.

Homeowners insurance doesn't cover wear and tear on your air conditioning system. It only covers external events that might damage it. If you want your cooling system to be covered for routine repairs, you need an HVAC warranty. Head to our resource on the difference between AC insurance and AC warranty for more information.


People across the country love the protection that an American Home Shield home warranty provides. And our home warranty reviews prove it.
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