Homeownership comes with plenty of rewards—whether it’s the pride of ownership, creating a cozy space, or having a place to call your own. But with those rewards come unexpected challenges, too. One of the biggest headaches? Home systems and appliances breaking down at the worst possible moment. That’s where American Home Shield (AHS) comes in.
If you’re looking for a way to protect your home’s major systems and appliances without breaking the bank (or your sanity), you might be considering a home warranty. But with so many companies out there, how do you know if AHS is the best fit for your needs? Is it worth the investment? In this review, we’ll dive into everything you need to know about American Home Shield, from pricing to coverage, customer experiences, and more—so you can make an informed decision.
Let’s get started!
What is American Home Shield?
American Home Shield (AHS) has been around since 1971 and is one of the largest and most well-known home warranty companies in the U.S. Their goal is simple: to help homeowners protect their major home systems and appliances—like HVAC, plumbing, electrical, and kitchen appliances—by providing repair or replacement coverage when things break down unexpectedly.
They offer flexible plans for new and experienced homeowners alike, with coverage that can be customized to fit your needs. Whether you’ve got a brand-new home or an older one full of well-loved appliances, AHS has a plan that could make your life easier.
What Plans Does American Home Shield Offer?
When it comes to home protection, one size doesn’t fit all. AHS offers a variety of plans designed to fit different budgets and coverage needs. Let’s break them down:
1. Systems Plan
Perfect for homeowners who want to focus on essential systems—things like plumbing, electrical, heating, and cooling. This plan covers the big-ticket systems that keep your home running smoothly.
What’s covered:
- Heating (furnace, central heating)
- Air conditioning (central AC)
- Plumbing systems (pipes, toilets, sinks)
- Electrical systems (wiring, circuit breakers)
- Water heater
- Ductwork
Best for: Homeowners with newer appliances who need coverage for the critical systems that can be expensive to repair.
2. Appliances Plan
If your focus is on protecting the major appliances in your kitchen and laundry room, the Appliances Plan is a solid option.
What’s covered:
- Refrigerator
- Ovens, stoves, and ranges
- Dishwashers
- Clothes washer and dryer
- Built-in microwave
Best for: Homeowners with older appliances that may be more prone to breakdowns or those looking to extend the life of their kitchen and laundry essentials.
3. Combo Plan
Can’t decide between the Systems Plan and the Appliances Plan? The Combo Plan offers the best of both worlds, covering both your home’s critical systems and appliances.
What’s covered:
- Everything in both the Systems and Appliances plans
Best for: Homeowners who want complete protection without worrying about whether something is covered.
4. Optional Add-Ons
If you need even more specialized protection, AHS lets you add additional coverage for things like:
- Pool/Spa equipment
- Well pump
- Septic system
- Central vacuum
- Additional refrigerators or freezers
These options are great for homeowners who want more than just basic coverage and need protection for niche items.
How Much Does American Home Shield Cost?
One of the biggest selling points of American Home Shield is the flexibility they offer when it comes to pricing. The cost of your plan will depend on several factors, such as where you live, the level of coverage, and whether you choose additional add-ons.
Average Monthly Premium:
- Systems Plan: $39–$50/month
- Appliances Plan: $39–$50/month
- Combo Plan: $49–$60/month
But that’s just the beginning. There’s also a service fee you’ll need to pay whenever you request a repair or replacement. This is like a deductible and generally ranges from $75 to $125, depending on the plan you choose.
Keep in mind, the lower your service fee, the higher your monthly premium might be. It’s about finding the balance that works best for your budget.
Discounts and Promotions:
AHS often offers special promotions for new customers—whether it’s a discounted rate for the first few months or special multi-year deals. It’s worth checking out current deals before you sign up!
Is American Home Shield Worth the Investment?
When it comes to home warranty providers, American Home Shield is one of the most established names in the industry. But is it the right fit for YOU? Let’s break down the pros and cons to help you decide.
Pros of American Home Shield
1. Comprehensive Coverage Options
Whether you need protection for your HVAC, plumbing, electrical systems, or kitchen appliances, AHS has a plan to suit. And with the Combo Plan, you don’t have to choose between systems and appliances—you can have it all.
2. Large Network of Contractors
AHS works with a vast network of contractors across the country, which means quicker repairs and a larger pool of qualified professionals to help you when you need it most.
3. Flexible Service Fees
AHS lets you choose your service fee, which means you can adjust your plan based on your budget. If you’re okay with paying a higher premium, you can opt for a lower service fee. Conversely, if you’re looking for a more affordable monthly rate, you can choose a higher service fee.
4. Decades of Experience
AHS has been around since 1971, giving it a solid track record of experience. This longevity in the home warranty business means you’re dealing with a company that understands homeowner needs and has weathered the ups and downs of the market.
5. Solid Reputation
While reviews are mixed across the internet (as is the case with most home warranty companies), AHS has built a loyal customer base. Many homeowners value the peace of mind that comes with having home systems and appliances covered.
Final Verdict: Should You Choose American Home Shield?
If you’re looking for reliable home warranty coverage that provides comprehensive protection for your home’s systems and appliances, American Home Shield could be a solid choice. Their flexible plans, experienced contractors, and long history in the industry make them a trusted name in home protection.
However, it’s important to read the fine print and be aware of potential service delays or coverage exclusions. If you value quick, hassle-free repairs and coverage for a wide variety of systems and appliances, AHS is definitely worth considering.
Ultimately, the decision depends on what level of coverage you need, how much you’re willing to spend, and how much peace of mind you want when the unexpected happens.
