Understanding the prices and coverage of different home warranty providers can be exhaustive. This paragraph delves into the costs, policies, and scopes of renowned home warranty providers. These companies include American Home Shield, Liberty Home Guard, and First American Home Warranty. The comparative analysis below will significantly simplify making the optimal choice for your home warranty needs.
American Home Shield
American Home Shield (AHS) is one of the most lauded home warranty companies in the US market that offers comprehensive and flexible home protection, including coverage from rust, corrosion, and sediment. This makes AHS a particularly compelling choice for older and historical buildings. The company allows homeowners to customize their coverage and monthly premiums with three unique plans and offers two different service call fee options of $100 and $125. The average monthly rate for an AHS plan is $59.99. It's worth noting that a higher service call fee correlates with a lower monthly payment. AHS has branches in all US states, excluding Alaska and Hawaii, and offers a substantial coverage limit of up to $50,000 per term.
AHS Home Protection Plan Costs
American Home Shield has three major home warranty coverage options, each with its own set of advantages, limits, and pricing options.
The ShieldSilver plan covers home repairs and replacement of 14 major systems, such as water heaters, air conditioning, plumbing, electrical, and heating units. It does not cover garbage disposal and HVAC tune-up, as well as repair and replacement of the septic system, smoke detector, exhaust fan, and other units that are only covered in the ShieldGold or ShieldPlatinum plans.
The cost of the ShieldSilver coverage varies based on the location and the specific terms of a contract. However, on average, you should expect to spend around $30 - $40 per month. Additionally, the service call fee is usually between $100 and $125.
The ShieldGold plan covers all the items covered under the ShieldSilver one, but it also extends to home appliances like refrigerators, ovens, washers, and dryers - nine units in total. Also, advanced components of plumbing and heating are included in the coverage.
Like the Silver plan, the cost of the ShieldGold plan varies depending on the location and the specific contract terms. Nevertheless, this coverage is slightly more expensive due to the extensive coverage provided. Generally, you should expect to spend from $50 to $60 per month. Service call fees are charged separately, ranging from $100 to $125.
ShieldPlatinum by American Home Shield is the most comprehensive home warranty plan that the company offers. It offers everything covered under the ShieldSilver and ShieldGold plans, plus additional items. The ShieldPlatinum coverage expands to a broad range of essential home systems and appliances and includes discounts for HVAC tuning, roof leaks, permits, and code violations. Additionally, it provides some extras like unlimited A/C refrigerant and a free annual HVAC tune-up. The coverage limit within this plan goes up to $3,000 per covered item.
The ShieldPlatinum is the most premium plan, so its monthly cost varies from $80 to $90, depending on the agreed service call fee that lies in the standard range of $100 - $125.
Cost of home warranty plans from American Home Shield
$30 - $40
$50 - $60
$80 - $90
Liberty Home Guard
Liberty Home Guard (LHG) is a known provider of robust home protection plans. With a strong presence in all 50 states, LHG offers competitively priced coverages, ensuring peace of mind for homeowners. Through 42 distinct add-ons, homeowners personalize their coverage, spanning from swimming pools and sump pumps to high-end professional appliances and less common features such as central vacuum systems and roof leak repairs. All these items fall under LHG’s $2,000 coverage limit, with the exception of electrical and plumbing systems. With its service call fee falling between $65 and $125, determined by the size, type, and location of the home, as well as chosen plans, LHG makes the pricing transparent. Additionally, Liberty Home Guard stands out for its 60-day workmanship guarantee on all completed repairs.
LHG Home Protection Plan Costs
Liberty Home Guard presents three comprehensive coverage plans tailored to a variety of homeowner needs. These include the Appliance Guard plan, the Systems Guard plan, and the Total Home Guard plan.
The Appliance Guard plan provides repair and replacement coverage for common household appliances. This includes but is not limited to, refrigerators, dishwashers, ovens, washing machines, and dryers. The standard monthly payment for the Appliance Guard is $50. However, it may vary based on the homeowner's individual needs, the number and age of the appliances covered, and their make and model.
The Systems Guard plan aims to cover the repair and replacement of home systems essential to the daily routine and comfort of homeowners. These are HVAC, plumbing, electrical, and water heating units. As for the cost, the Systems Guard plan is priced at $55 per month, providing economical protection for your essential home systems.
Total Home Guard
Total Home Guard is a comprehensive, all-inclusive plan designed to protect both major systems and common household appliances. It gives homeowners complete peace of mind by covering everything from HVAC systems and plumbing to refrigerators and washers. It is a combination of the Appliance Guard and System Guard plans, making it a perfect choice for total home protection. The Total Home Guard plan typically costs $60.00 monthly, providing a cost-effective solution for comprehensive home coverage.
Cost of home warranty plans from Liberty Home Guard
Total Home Guard
First American Home Warranty
First American Home Warranty is a seasoned player in the industry with over 35 years of experience. It provides extensive home warranty coverage in 33 states. Notably, it offers the distinctive First American Advantage Upgrade in its mid-tier and comprehensive plans. This unique upgrade caters to overlooked costs like crane removal for appliances. Each plan is accompanied by three service call fee options, starting at a competitive $75, allowing customization to individual needs. However, its most basic plan excludes air conditioning coverage.
First American Home Protection Plan Costs
First American offers a tiered selection of coverage options tailored to various needs: the Starter Plan for basic coverage, the Essential Plan for extended protection, and the Premium Plan for the most inclusive home warranty protection.
The Starter Plan offers basic coverage for a variety of essential home appliances and systems, providing a cost-effective solution for homeowners seeking reliable protection against unexpected breakdowns. It covers everything from fridges, dishwashers, ovens, and hoods to plumbing and electrical systems. The monthly cost for the Starter Plan typically starts at around $47 for a $125 service call fee and goes up to $62 for a $75 service call fee.
The Essential Plan focuses on covering essential home appliances and systems, ensuring that any unexpected repairs or replacements do not impact homeowners financially. It covers all systems and appliances offered in the Starter Plan, plus water heaters, washers, dryers, garage door openers, and HVAC systems. Its monthly cost ranges from $57 to $72, depending on the specific coverage details, agreed service call fee, and location.
The Premium Plan offers thorough protection for homeowners, including all major systems and appliances, as well as luxury appliances and rare utilities. The coverage notably expands to garbage disposal units, central vacuum systems, mini-split units, and window air-conditioning units, offering a broad safety net for diverse home needs. What sets this plan apart is the doubling of the coverage limit. The appliance limit cap is increased to a substantial $7,000 per covered appliance. Starting at only $72 per month, the Premium Plan provides a complete, wide-ranging home warranty solution that offers excellent value for your money.
Cost of home warranty plans from First American Home Warranty
$47 - $62
$57 - $72
$72 - $87
What Is the Difference Between Home Warranty and Home Insurance?
Home warranty and home insurance provide different types of coverage. Home insurance typically covers damage to the structure of the home and personal belongings due to unexpected events like fire, theft, or natural disasters. In contrast, a home warranty covers the repair or replacement of major home systems and appliances due to wear and tear. Unlike home insurance, a home warranty does not cover personal property or structural damage.
What Are the Home Warranty Coverage Limits?
Home warranty coverage limits are often present within policies in two forms: a maximum coverage limit for the policy period and individual appliance or system limits. The overall limit can be exhausted if multiple systems fail simultaneously, such as needing to replace both HVAC and electrical systems. Each appliance or system typically has its coverage limit, and homeowners will have to shoulder costs that exceed these stipulations.
What is Not Covered Under a Home Warranty?
A home warranty does not cover issues related to every appliance or system within a home but only those explicitly detailed in the plan. It excludes breakdowns resulting from misuse, accidental damage, pre-existing conditions, and construction defects. Plus, items covered by a manufacturer's warranty or items lacking proper maintenance documentation are not included.
A wide range of sources contribute to the information provided in our cost guides, from real-time contractor estimates to published cost studies and specialized websites.
Refer to our
Methodology and Sources for more in-depth information.