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American Home Shield Review | 2021

Learn more about this popular home warranty provider’s plans, cost, reputation, and more.
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American Home Shield (AHS) has been in business for 49 years, balancing comprehensive service with affordable coverage plans. The company is one of our top picks for home warranties. 

In this American Home Shield review, we take an in-depth look at the company's plans, prices, and reputation to help you determine if it's the best home warranty company for you. We'll also examine how AHS' offerings compare to competitors' services and show you a few consumer reviews.

For a free quote from American Home Shield, complete this short form or call 844-529-9298.

Best Overall
American Home Shield

Pros and Cons of American Home Shield

Pros Cons

✓ Customizable premium rates based on service fee

☓ Shorter service guarantee of 30 days

✓ Extensive coverage with generous limits

☓ Not available in Alaska

✓ Covers issues related to rust and corrosion

☓ Fewer add-ons than competitors

Background & State Availability

American Home Shield was founded in 1971, and has both dependable and affordably priced policies. It is also one of the largest home warranty companies, with more than 1,600 employees. AHS has a 24/7 customer support phone number and a live chat feature on its website, making the provider easily accessible.

  • Years in Business: 50 years
  • BBB Rating: B
  • Number of Reviews: 8,500+
  • State Availability: 49 states*

*AHS is unavailable in Alaska

American Home Shield Plans & Coverage

American Home Shield offers three signature plans—the ShieldSilver™ Plan for systems and the ShieldGold™ and ShieldPlatinum™ plans for coverage on both systems and appliances. The lists below show what each one specifically covers.

Plan What's Covered

ShieldSilver: Best for Essential Systems

Includes the following major systems:
Heating and air conditioning ✓
Ductwork ✓
Water heaters ✓
Electrical ✓
Breakers and fuze boxes ✓
Plumbing ✓
Toilets ✓
Faucets and valves ✓
Whirlpool tub motor and components ✓
Built-in exhaust, vent, and attic fans ✓
Ceiling fans ✓
Doorbells ✓
Garage door openers ✓

ShieldGold: Best for Aging Appliances

Covers all systems in the ShieldSilver Plan, plus the following appliances:
Dishwashers ✓
Refrigerators ✓
Clothes washers ✓
Clothes dryers ✓
Hot/cold water dispensers ✓
Ranges/cooktops ✓
Ovens ✓
Built-in microwave ovens ✓
Garbage disposals ✓

ShieldPlatinum: Best for Comprehensive Coverage

Covers all systems and appliances covered in the plans above, plus the following:
Roof leak repairs ✓
One free HVAC tune-up ✓
Unlimited AC refrigerant limits ✓
$1,000 coverage for code violations ✓
$3,000 increase to appliance coverage limit ✓

Optional Add-Ons

In addition to the packages, American Home Shield offers the following coverage add-ons to expand your plan further:

  • Electronics Plan (not available in CA)
  • Guest Unit (under 750-square-feet)
  • Pools and Inground Spas
  • Septic Pump
  • Well Pump

The price of these add-ons, which include an Electronics Plan that covers TVs, laptops, tablets, gaming systems, smart home products, and more, may vary depending on your home and location. We encourage you to get a free quote from AHS for specific prices.

Best Overall
American Home Shield

Coverage Limits and Exclusions

American Home Shield does not limit the amount of repairs it will make during the warranty contract. Customers can reach the company for service 24/7 as long as the trade service fee is paid in full upon request. Some items have more specific limits, which means AHS will cover the cost up to a certain dollar amount.

American Home Shield will cover up to these dollar amounts for various items on your plan:

  • Heating/Cooling: $1,500
  • Refrigerant: $10 per pound per occurrence (unlimited with ShieldPlatinum)
  • Ductwork: $1,000
  • Appliances: $3,000 ($6,000 with ShieldPlatinum)

It's always important to know what is not covered under your warranty. American Home Shield has some general coverage exclusions, such as pest damage, mold and mildew, improper installation, routine maintenance, and cosmetic damage.

Listed below are more specific exclusions from AHS's service contract:

  • Outside or Underground Piping
  • Window Units
  • Water Towers
  • Chiller Components
  • Water Lines
  • Fireplace Grain, Pellet, or Wood-heating Units
  • Telephone Wiring
  • Bathtubs, Sinks, and Showers
  • Toilet Lids/Seats
  • Free-standing Freezers
  • Wine Chillers
  • Garage Doors
  • Appliances with an Existing Manufacturer Warranty

American Home Shield Cost

Along with a standard $100 trade service request fee*, here's a breakdown of pricing for American Home Shield plans:

Plan Monthly Cost


$29.99 per month


$39.99 per month


$54.99 per month

*Warranty purchasers can choose to pay $125 per request, which lowers the monthly rate, or $75 per request, which is a cheaper per request option with a slightly higher monthly rate.

American Home Shield Reviews

American Home Shield holds a B rating on the Better Business Bureau. To help you get a feel for what customers have written about AHS, we've pulled a couple of positive and negative reviews that we've found helpful. Many of the complaints mentioned long hold times with the customer service hotline, but our research has found this is an issue consistent with many major providers of warranties.

The American Home Shield reviews below are from the BBB:

Verdict & Recommendation 

American Home Shield is a smart choice for a home warranty because of its comprehensive coverage, payment flexibility, and legacy. With 49 years of experience and the flexibility it offers to customers, our review team rated AHS the best overall provider in the industry.

If you're looking to purchase a home warranty, fill out this simple form or call 844-529-9298 for a free quote from AHS.

Best Overall
American Home Shield

Compare Home Warranty Companies

When seeking the right home warranty provider for you, it's always a good idea to compare costs across multiple companies. Our review team has a list of other top home warranty providers, taking into consideration cost, reviews, and total coverage.

While American Home Shield was our top overall pick, Choice Home Warranty scored the best basic plan, and Select Home Warranty is our favorite option for discounts.

Provider American Home Shield Choice Home Warranty Select Home Warranty

Get a Quote

Our Verdict

Best Overall

Best Basic Plan

Best Discounts

Number of Plans

3 plans

2 plans

3 plans

Monthly Cost




Service Fee




States Covered

49 states (Not Alaska)

48 states (Not CA or WA)

46 states (Not including NV, NY, WA, WI)

BBB Rating




Learn More


Related Content

Home Warranty Rating Methodology

The Home Service Research Team at Better Homes & Gardens strives to provide unbiased and objective reviews to readers by compiling relevant information on home warranty companies and rating the providers on a variety of factors.

Here's what our review process looks like:

  • We examine each provider's website to determine plan details, coverage, customer service offerings, and other benefits. We also speak with company representatives to get more insight on plan details.
  • We read sample contracts from each home warranty company to analyze and compare coverage details, limits, and exclusions.
  • We read at least 100 third-party customer reviews for each home warranty company to determine the real-life benefits and drawbacks of each provider.
  • We gather cost information for a variety of home warranty plans in different states by completing online quote forms and speaking with sales representatives to simulate the quote process.
  • We revisit each company's offerings on a seasonal basis, ensuring that we include the most up-to-date information in our reviews.

We also created a 100-point rating system to score companies based on objective factors, such as plan options, coverage, and customer service:


What we consider

Plan Options

The number and type of plan options offered to customers


The types of items included in a policy


How much each plan costs and the service fee options

Company Reputation

How the company is perceived through Better Business Bureau (BBB) ratings and a company's years in business

Customer Service

The customer service team's availability, what guarantees are offered, and what customer communication channels are provided (online customer portals, quote forms, etc.)

Unique Benefits

Factors that make the customer experience more seamless, such as allowing customers to choose their own contractor

Overall, the Home Service Research Team has reviewed over 70 home warranty companies to select the top-rated providers in the industry.

American Home Shield FAQs

Is an American Home Shield Warranty worth it?

If you want to protect your most important appliances and systems, we think a home warranty with American Home Shield is a wise investment. An AHS warranty can provide you with peace of mind as a homeowner; a routine fix won't derail your finances.

Can I use my own contractor for repairs?

The short answer is: sometimes. AHS strives to provide service efficiently and will assign a contractor within 48 hours to reach out to you when you make a request. If you would prefer a contractor you have worked with in the past, make sure you follow AHS's protocol.

From the company's website: "If you choose to use outside authorizations, the service contractor must be licensed where applicable, qualified in the applicable state and trade, adequately insured for worker's compensation and third-party general, and have automobile liability coverage. The chosen contractor must provide a diagnosis and itemized bid to American Home Shield before any work is performed."

Does American Home Shield offer 24/7 service?

Yes. If you need to speak with a customer service representative, American Home Shield can be reached 24/7 at 866-772-3803. Individual contractors' hours may vary, but the service hotline is always available.

How do I pay for my home warranty with American Home Shield?

American Home Shield offers a variety of payment options. You can pay by card or with your bank account. In addition, you can customize your payment schedule. You have the choice of monthly or annual billing, and you can choose which day of the month the billing cycle begins.

Is American Home Shield reputable?

Yes, American Home Shield has one of the strongest reputations in the home warranty industry. With almost 50 years of experience and Better Business Bureau accreditation, you can be assured that it's a dependable home warranty provider.

How do you submit a claim for American Home Shield?

Submitting a claim with American Home Shield is simple. You can request service by filling out a form on the company's website or by calling 866-772-3803. Both options are available 24/7.