How is Home Warranty Cost Determined?
When it comes to coverage, one size doesn’t fit all. That’s why we need a few key details from you to generate an accurate home warranty quote. Here are the factors that determine your monthly home warranty cost:
Home Details
We offer home warranty coverage for the following property types:
- Single-family homes
- Duplexes, triplexes, and quadplexes
- Townhomes and condos
- Mobile homes
In addition to the type of home you have, the square footage of your home can affect warranty pricing and availability. Depending on where you live, your cost could also include state or local taxes. When you request a free home warranty quote from American Home Shield, we use the details you provide to inform you of your full plan costs upfront, including any applicable taxes.
Plan Type
Whether you’ve been in your home for years, just closed 90 days ago or are currently buying or selling a home, we offer a variety of warranty plans for every stage of homeownership.
With flexible plans and pricing, American Home Shield has a solution that works for your home and budget.
Additional Coverage
From electronics to swimming pools, we offer protections that go beyond typical home warranties — and you can add them to any American Home Shield plan.
When you request your free home warranty quote, you will see the monthly cost for your plan, plus any additional coverage options you select.
Trade Service Call Fee
If you’ve never had a home warranty before, you might be unfamiliar with a Trade Service Call Fee (TSCF). But rest assured, it’s a standard way to get prompt service from a qualified professional. Because different plans have different TSCFs, this can affect your monthly payment.
When you request service, you pay a small fee to have a contractor diagnose the problem. This fee covers the time your contractor spends investigating the issue and figuring out how to fix it.
- If it’s confirmed that the breakdown is covered, that’s it. Your plan will pay for the repair or replacement once you’ve paid your TSCF.If the cause of the breakdown of covered item is not covered, or the repair or replacement exceeds your coverage limit, you will still pay your TSCF for the contractor’s diagnosis. You will work with your contractor to determine the out of pocket costs for repair or replacement.
WHAT DOES COVERAGE LOOK LIKE IN THE REAL WORLD?
With over 2 million members, American Home Shield pays out more claims than any other home warranty company. If a covered item breaks, we fix it — if we can’t fix it, we replace it.*
Without a home warranty, it can cost a lot to repair or replace the systems you rely on.
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.
*See the plan contract for coverage details, including service fees, limitations and exclusions. Charges for non-covered items may apply.
Fortunately, our home service plans help with the cost of household repairs, and coverage lasts for a full year. So even if repair prices keep going up in the coming year, the cost of your coverage won’t.
You could pay THOUSANDS for a single repair or replacement — or a fraction of that cost for an entire year of coverage with American Home Shield.
REAL MEMBER CLAIMS AND HOW WE HANDLED THEM
The easiest way to understand the value of our coverage is to see it in action. Check out the following real system and appliance breakdowns and how we took care of our members in each situation.*
- covered
Dishwasher Not Draining
Amanda in Alexander, AR
The electrical connection on Amanda’s 2-year-old dishwasher drain pump shorted out, causing the unit to fail to drain properly. Because this was a failure due to normal appliance wear-and-tear, American Home Shield fully covered the repair.
not coveredDishwasher Too Noisy
Ashley in Scottsdale, AZ
The motor on Ashley’s older dishwasher became noisy during wash cycles but functioned normally. If there had been a mechanical failure due to age, American Home Shield would’ve covered the repair — but we do not cover noise if the appliance is running properly.
- covered
Dishwasher Not Draining
Amanda in Alexander, AR
The electrical connection on Amanda’s 2-year-old dishwasher drain pump shorted out, causing the unit to fail to drain properly. Because this was a failure due to normal appliance wear-and-tear, American Home Shield fully covered the repair.
not coveredDishwasher Too Noisy
Ashley in Scottsdale, AZ
The motor on Ashley’s older dishwasher became noisy during wash cycles but functioned normally. If there had been a mechanical failure due to age, American Home Shield would’ve covered the repair — but we do not cover noise if the appliance is running properly.
- covered
Refrigerator Not Working
Luz in Lemoore, CA
Luz’s refrigerator was not cooling due to an issue with the compressor. Our expert contractor noted the estimate to repair or replace the part was higher than replacing the entire refrigerator. So American Home Shield covered the cost to replace the appliance and connected Luz with our purchasing department to select her new refrigerator.
not coveredRefrigerator Not Working
Luz in Lemoore, CA
Luz’s refrigerator was not cooling due to an issue with the compressor. Our expert contractor noted the estimate to repair or replace the part was higher than replacing the entire refrigerator. So American Home Shield covered the cost to replace the appliance and connected Luz with our purchasing department to select her new refrigerator.
- covered
A/C Not Cooling
Christopher in Rotonda West, FL
The evaporator coil on Christopher’s A/C was leaking, which caused the unit to stop cooling. American Home Shield fully covered this malfunction by replacing the coil. Because Christopher was a ShieldPlatinum™ member, we also recharged his A/C with refrigerant at no additional cost.
not coveredRefrigerator Overheating
Raymond in Las Vegas, NV
Raymond’s refrigerator was missing a back panel, causing the unit to overheat and not cool properly. American Home Shield did not cover this issue because we do not cover failures due to missing parts or components.
- covered
A/C Not Cooling
Christopher in Rotonda West, FL
The evaporator coil on Christopher’s A/C was leaking, which caused the unit to stop cooling. American Home Shield fully covered this malfunction by replacing the coil. Because Christopher was a ShieldPlatinum™ member, we also recharged his A/C with refrigerant at no additional cost.
not coveredRefrigerator Overheating
Raymond in Las Vegas, NV
Raymond’s refrigerator was missing a back panel, causing the unit to overheat and not cool properly. American Home Shield did not cover this issue because we do not cover failures due to missing parts or components.
*See the plan contract for coverage details, including service fees, limitations and exclusions. Charges for non-covered items may apply.
