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American Home Shield
American Home Shield is a well-established and respected provider of home warranty services, serving customers throughout the contiguous United States. The company offers a range of three distinct home warranty plans, with monthly pricing options ranging from $29.99 to $89.99, and a service fee of either $100 or $125. These plans provide comprehensive coverage for common issues such as rust, insufficient maintenance, and faulty repairs, which are often excluded by other providers. It’s worth noting that all plans come with a contractual obligation, ensuring that customers receive reliable and consistent coverage for their home warranty needs.

American Home Shield (AHS) is a leading home warranty company headquartered in Memphis, Tennessee, with a track record of successfully fulfilling claims worth over $2 billion for its customers within the past five years. AHS offers three comprehensive plans that are meticulously designed to provide reliable coverage for household systems and appliances, regardless of their age or condition. Furthermore, AHS takes pride in standing behind its work with a 30-day workmanship guarantee, ensuring the quality of its services. With a nationwide coverage across the contiguous United States, AHS is committed to delivering exceptional home warranty solutions to homeowners across the country.

Pros
- Covers 43 states across USA
- Provides you the option to choose your own technician.
- Under their Combo Plan, Amazon covers certain items that otherwise cost extra
- Doesn’t include any charge caps for appliances or a higher charge limit on the HVAC system.
Cons
- Doesn’t offer any coverage to commercial equipments, appliances or systems
- Has many exclusions along with a $500 fee limit for an additional roof coverage
- Doesn’t support online chat system
- Comparatively smaller company.
Plans and Coverage
American Home Shield offers three comprehensive plans: ShieldSilver, ShieldGold, and ShieldPlatinum, each providing customers with flexible trade service call fee options of $100 or $125, which determines the total monthly cost. Although the service fees may appear higher compared to other providers, the overall monthly costs are competitively priced, resulting in a balanced cost structure for customers.
American Home Shield’s coverage includes plumbing, cooling, heating, and electrical systems, with no cap on the total service cost. This means that the company does not deny coverage based on the total cost incurred for service requests. However, coverage limits for appliances may vary depending on the plan selected. Additionally, customers have the option to add coverage for additional items, such as sump pump protection or pool and spa coverage, at an affordable cost of just $4.99 per month.
ShieldSilver: ShieldSilver is a systems plan that offers coverage for heating and cooling systems, plumbing, and electrical systems at an affordable price. However, it does not provide coverage for roof leaks or appliances, making it a more focused option for customers seeking basic coverage for essential systems.
ShieldGold: ShieldGold is a comprehensive plan that provides coverage for both systems and appliances. With a high appliance coverage limit of $3,000 per appliance, it exceeds the industry average, offering robust protection for major home appliances. Similar to ShieldSilver, roof leaks are not covered under ShieldGold.
ShieldPlatinum: For those who desire the most comprehensive coverage, ShieldPlatinum is the optimal choice. It includes everything covered under ShieldGold, with the added benefit of coverage for roof leaks up to $1,500 per year. The appliance coverage limit is raised to $6,000, providing ample coverage for high-end appliances. ShieldPlatinum also includes coverage for permits, code violations, and modifications, up to $1,000 per year, and an unlimited air conditioner refrigerant amount, making it a premium option for comprehensive home protection.
| Coverage | ShieldSilver | ShieldGold | ShieldPlatinum |
| Air conditioners | ✓ | ✓ | ✓ |
| Built-in vent/attic/exhaust | ✓ | ✓ | ✓ |
| Built-in microwave | – | ✓ | ✓ |
| Clothes dryers | – | ✓ | ✓ |
| Clothes washers | – | ✓ | ✓ |
| Ceiling fans | ✓ | ✓ | ✓ |
| Dishwashers | – | ✓ | ✓ |
| Ductwork | ✓ | ✓ | ✓ |
| Doorbells and Chimes | ✓ | ✓ | ✓ |
| Faucet & valves | ✓ | ✓ | ✓ |
| Garage-door openers | ✓ | ✓ | ✓ |
| Garbage disposals | – | ✓ | ✓ |
| Heating units | ✓ | ✓ | ✓ |
| Instant hot/cold water dispensers | – | ✓ | ✓ |
| Interior electrical lines | ✓ | ✓ | ✓ |
| Interior plumbing lines | ✓ | ✓ | ✓ |
| Main breaker and fuse panel box | ✓ | ✓ | ✓ |
| Ranges/cooktops | – | ✓ | ✓ |
| Refrigerators | – | ✓ | ✓ |
| Roof-leak repairs | – | – | ✓ |
| Ovens | ✓ | ✓ | |
| Toilets | ✓ | ✓ | ✓ |
| Water heaters | ✓ | ✓ | ✓ |
| Whirlpool tub motor and components | ✓ | ✓ | ✓ |
Exclusions
In addition to its comprehensive list of offers and services, American Home Shield has certain exclusions in its coverage. These exclusions include:
• Procedural maintenance, such as routine upkeep and preventive care
• Chimneys, exhaust lines, flues, or other venting components
• Cosmetic defects that do not affect the function of covered items
• Computerized, electronic, or home management systems
• Fire sprinkler systems, solar energy systems, or radon monitoring systems and components
• Installation, replacement, repair, or modification of defective/recalled items
• Correcting and restoring damage resulting from exposure to hazardous materials
• Costs associated with carpentry, construction, or modifications required for removing, relocating, or installing equipment
• Restoration of floor coverings, tiling, walls, paint, cabinets, or countertops
• Damage resulting from acts of God or natural disasters
These exclusions are designed to provide clarity on the coverage provided by American Home Shield, and customers are encouraged to review the terms and conditions of their specific plan for a comprehensive understanding of the coverage details.
Service Fees
American Home Shield provides customers with a flexible service fee structure that allows them to choose the amount that best fits their budget. By opting for a service fee of $125, customers can benefit from a monthly savings of $10. This unique feature empowers customers with greater control and flexibility in managing their home warranty costs, while also incentivizing them to opt for a higher service fee in order to enjoy cost savings.
American Home Shield offers a variety of discounts and incentives to provide added value to its customers. Eligible AARP members can enjoy discounted rates, while customers insuring multiple residences can avail a discount of $50. Moreover, current members can receive a $25 Amazon gift card by referring a friend to the service, and access discounts on appliances and air filters through their account. These discount options are thoughtfully designed to not only provide cost savings to customers, but also encourage them to refer friends and family to the service, creating a win-win scenario for all parties involved.
Market Comparison
Choice Home Warranty offers a streamlined selection of two plans, which is a more concise offering compared to American Home Shield’s three plans.
Choice Home Warranty’s two plans provide comprehensive coverage for essential home systems, such as heating, electrical, and plumbing, as well as major appliances, including ovens and dishwashers. The Total Plan, which is the top-tier plan, offers the most extensive coverage.
On the other hand, American Home Shield’s ShieldSilver plan provides coverage for home systems, while the ShieldGold and ShieldPlatinum plans offer coverage for both home systems and major appliances.
| Feature | American Home Shield | Amazon Home Warranty | AFC |
| Annual Premium | Varies | $479 – $579 | Varies $395 |
| Number of contractors | 15,000+ | 50,000+ | Wide Network, Can Use In-Network Or Out Of Network Contractors |
| Home Inspection Required | No | No | No |
| 24/7 Claims | Yes | Yes | Yes |
| Workmanship Guarantee | 60 days | 30 days | Lifetime |
| BBB Accreditation | B (Accredited) | B+ (Accredited) | B (Accredited) |
Bottom Line
American Home Shield presents three robust warranty plans that offer generous coverage limits for homeowners. While the service fees may appear higher in comparison to other providers, the unique feature of allowing customers to choose their preferred service fee provides added flexibility and control in managing their home warranty costs. This distinct offering may be appealing to homeowners who value customization and tailored solutions for their specific needs.






