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American Home Guard Review

American Home Guard, mistakenly called “American Home Guardian” by some people, is a well-known home warranty company that has been on the market since 2013. Unfortunately, the company ceased its operation in October 2018.

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Covered States
Hawaii Alaska Florida New Hampshire Michigan Vermont Maine Rhode Island New York Pennsylvania New Jersey Delaware Maryland Virginia West Virginia Ohio Indiana Illinois Connecticut Wisconsin North Carolina District of Columbia Massachusetts Tennessee Arkansas Missouri Georgia South Carolina Kentucky Alabama Louisiana Mississippi Iowa Minnesota Oklahoma Texas New Mexico Kansas Nebraska South Dakota North Dakota Wyoming Montana Colorado Idaho Utah Arizona Nevada Oregon Washington California
Pros And Cons
  • Low fee for contract transfer
  • Different plan types available
  • Clients praised prompt response
  • Free second opinon if needed
  • Clients praised excellent work

  • Higher chance of payment delays
  • No 24/7 service
  • Online chat not supported
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Covered Appliances and Systems
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Air conditioner
Covered by Major Systems Plan (Red Coverage), Major System & Appliance Plan (Blue Coverage)
Covered as optional
Heating system
Covered by Major Systems Plan (Red Coverage), Major System & Appliance Plan (Blue Coverage) (up to $1,500.00)
Covered as optional
Ductwork
Covered by Major System & Appliance Plan (Blue Coverage) (up to $200.00)
Humidifier
Not covered
Air cleaner
Not covered
Vacuum
Covered as optional
Refrigerator
Covered by Major Appliance Plan (White Coverage), Major System & Appliance Plan (Blue Coverage) (up to $500.00)
Covered as optional (up to $500.00)
Refrigerator ice maker
Covered as optional (up to $200.00)
Free-standing ice maker
Not covered
Wine refrigerator
Not covered
Stand-alone freezer
Not covered
Microwave
Covered by Major Appliance Plan (White Coverage), Major System & Appliance Plan (Blue Coverage) (up to $500.00)
Oven
Covered by Major Appliance Plan (White Coverage), Major System & Appliance Plan (Blue Coverage) (up to $500.00)
Dishwasher
Covered by Major Appliance Plan (White Coverage), Major System & Appliance Plan (Blue Coverage) (up to $500.00)
Water dispenser
Not covered
Trash compactor
Not covered
Disposal
Covered by Major Appliance Plan (White Coverage), Major System & Appliance Plan (Blue Coverage) (up to $200.00)
Cooktop exhaust fan
Not covered
Ceiling fan
Covered by Major System & Appliance Plan (Blue Coverage) (up to $200.00)
Attic fans
Not covered
Bath exhaust fan
Not covered
Whole house fan
Not covered
Washer
Covered by Major Appliance Plan (White Coverage), Major System & Appliance Plan (Blue Coverage) (up to $500.00)
Dryer
Covered by Major Appliance Plan (White Coverage), Major System & Appliance Plan (Blue Coverage) (up to $500.00)
Plumbing
Covered by Major Systems Plan (Red Coverage), Major System & Appliance Plan (Blue Coverage) (up to $500.00)
Covered as optional
Plumbing stoppages
Not covered
Water heater
Covered by Major Systems Plan (Red Coverage), Major System & Appliance Plan (Blue Coverage) (up to $500.00)
Covered as optional
Water purification
Not covered
Water softener
Not covered
Well pump
Covered as optional (up to $200.00)
Toilet
Not covered
Septic
Covered as optional (up to $200.00)
Sump pump
Covered as optional (up to $200.00)
Septic tank pumping
Not covered
Outside sewer line
Not covered
Outside water line
Not covered
Electrical
Covered by Major Systems Plan (Red Coverage), Major System & Appliance Plan (Blue Coverage) (up to $500.00)
Generator
Not covered
Garage door
Covered by Major System & Appliance Plan (Blue Coverage) (up to $200.00)
Doorbell
Not covered
Alarm
Not covered
Outside electrical line
Not covered
Outside gas line
Not covered
Pool
Covered as optional (up to $250.00)
Spa
Covered as optional (up to $250.00)
Pests
Not covered
Sprinkler
Covered as optional (up to $200.00)
Roof leaks
Covered as optional (up to $200.00)
our overall rating 63.80%
Updated for Jun 13, 2019
Facts and Figures
  • Effective in30 days
  • Hours M-F, 9-6
  • Cancellation$75
  • Premium $405 - $500
  • Deductible$65
  • Limits$200 - $1,500
Ratings
  • Trustworthiness:
  • Plans and Coverage:
  • Feedback:
  • The Fine Print:
  • Promotions:
  • Editor Rating:
  • Reader Rating:
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Our Top-Rated Alternatives to American Home Guard

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  • First 30 days: Free cancellation
  # 2 Choice Home Warranty
Editorial Rating 96.8
  • 24/7 service calls
  • Market veteran
  • Large and established firm
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 3 Total Home Protection
Editorial Rating 91.2
  • Multiple optional coverage items
  • 24/7 service calls
  • Clear terms and conditions
  • Free cancellation within 30 days
  • Emergency service available
  • Clients praised communication
Fair Disclosure: ReviewHomeWarranties.com has referral agreements with some of the companies presented on our top lists. We selected these companies because we believe they are the best choice for our readers. Referral income helps us keep the content on this website free.
Editorial Notes

 

 

Summary rating:
Premium cost level:
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Trustworthiness
Legal
Ownership
American Home Guard LLC
Established
2013
CEO
Vincent Hamilton, Management
Registered in
Philadelphia, PA
Address
1515 Market St Suite # 1200, Philadelphia, PA 19102
Available states
All except: AZ MN NV TX VA WA
Full list of states
Alabama, Alaska, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, West Virginia, Wisconsin, Wyoming, District of Columbia
Type of company (private, public)
Private
Mediation and arbitration bodies
Any disputes shall be construed and enforced under the laws of the State of Pennsylvania
Accessibility
How to contact
Main page >> Contact us
Online chat
No
Social media
Benchmarks
American Home Guard
Other companies
Company size
No data
0
1,650
Annual revenue
No data
0
$1,276,000,000
Number of homeowners
No data
0
2,200,000
Number of BBB complaints closed within last 3 years
207
0
12,770
Traffic
287
0
383,900
Number of independent contractors
250
0
44,000
Reputation
BBB accreditation
NR (Not Accredited)
Trustworthiness Rating
3.2 / 5.0
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Coverage
Summary of plans and coverage:
Coverage Term
Service Call Fee
Items
Limit
Silver Systems Plan
Platinum Combo Plan
Gold Appliance Plan
Optional Coverage
Premium Amount
$405.00
$499.92
$405.00
$40.00 - $100.00
 
Coverage
$200.00 - $1,500.00
24%
66%
31%
25%
Coverage details
Air conditioner
-
$80.00
Details
Covered by AHG
  • Motor.
  • Compressor.
  • Condenser.
  • Thermostat.
  • AHG is obliged to cover the primary floor air conditioning unit of the covered home only, provided that the air conditioning unit does not exceed a five (5) ton limit.
Not Covered by AHG
  • Filters.
  • Condenser casings.
  • Air filtration systems.
  • Flues.
  • Registers and grills.
  • Condenser casings.
  • Water towers.
  • Refrigerant recapture.
  • Gas or propane air condition systems.
  • Improper wiring.
  • Iimproper piping condensation leaks.
  • Geothermal systems.
  • Humidifiers.
  • Chillers.
  • Electronic air cleaners.
  • Window units.
  • Non-ducted wall units.
  • Damage caused by refrigerant leak.
  • Damaged ducts.
  • Mini-split wall units.
  • Gas air conditioning systems.
  • Water evaporative coolers.
  • Swamp coolers.
  • Refrigerant leaks.
  • Condensate pumps.
  • Thermal expansion valves.
  • All exterior condensing, cooling and pump pads.
  • Roof mounts, jacks, stands or supports.
  • Cost for crane rentals.
  • Electronic, computerized, and manual systems management and zone controllers.
  • Commercial grade equipment.
  • Refrigerant conversion.
  • Leak detections.
  • Water leaks.
  • Drain line stoppages or drain pans.
  • Clogged lines.
  • Maintenance.
  • Noise without a related mechanical failure.
  • Improperly sized units.
  • Air conditioning with mismatched condensing unit and evaporative coil per manufacturer specifications.
  • Improper use of metering devices (i.e. thermal expansion valves).
  • AHG is not responsible for the costs associated with matching dimensions, brand or color made.
  • AHG will not pay for any modifications or upgrades necessitated by the repair of existing equipment or the installation of new equipment.
  • AHG shall not be obliged under any circumstances to cover window, wall or zone systems or portable air conditioning units.
Ceiling fan
$200.00
Details
Covered by AHG
  • All modules, components and parts of the ceiling fan affixed in the covered home necessary to its functionality.
Not Covered by AHG
  • Fan blades.
  • Belts.
  • Shutters.
  • Filters.
  • Lighting.
  • Wiring.
  • Misuse.
  • Neglect.
  • Improper installations.
  • Previous repairs.
  • Discontinued models.
Dishwasher
$500.00
Details
Covered by AHG
  • ll modules, components and parts of the dishwasher important to the functionality of the dishwasher.
Not Covered by AHG
  • Soap dispensers.
  • Doors.
  • Door seals.
  • Hinges.
  • Handles.
  • Glass.
  • Knobs.
  • Obstructed channels.
  • Flush guides.
  • Latches.
  • Racks, trays, and baskets.
  • Framing and trim.
  • Rollers.
  • Damage caused by broken glass.
  • Maintenance and cleaning.
  • Commercial units.
  • Portable units.
  • Touch screen displays.
  • Buttons.
  • Wiring.
  • Wireless use.
  • Cosmetics/appearance.
  • Clogged drains.
  • Restorative issues or variations from the norm.
  • Components identifying with establishment/mounting.
Disposal
$200.00
Details
Covered by AHG
  • All modules, components and parts of the garbage disposal important to the functionality of the garbage disposal.
Not Covered by AHG
  • Failures and/or jams caused by bones, eggshells.
  • Spines.
  • Trash compactor.
  • Components identifying with establishment/mounting.
  • Rings.
  • Glass, or foreign objects other than food.
Dryer
$500.00
Details
Covered by AHG
  • All modules, components and parts of the clothes washer and clothes dryer important to the functionality of the clothes washer and clothes dryer
Not Covered by AHG
  • Soap dispensers.
  • Containers.
  • Removable minitubs.
  • Filter screens.
  • Knobs and dials.
  • Obstructed channels.
  • Flush guides.
  • Latches.
  • Racks.
  • Trays.
  • Baskets.
  • Framing and trim.
  • Rollers.
  • Damage caused by broken glass.
  • Maintenance and cleaning.
  • Commercial units.
  • Portable units.
  • Touch screen displays.
  • Buttons.
  • Wiring.
  • Wireless use.
  • Cosmetics/appearance.
  • Clogged drains.
  • Restorative issues or variations from the norm.
  • Components identifying with establishment/mounting. door seals and hinges.
  • Glass.
  • Leveling and balancing.
  • Damage to clothing.
  • Commercial units.
  • Noise without a related mechanical failure.
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits.
  • Venting.
  • Lint screens.
  • Conditions of air flow restriction due to a lack of maintenance and/or clogged lint screens.
Ductwork
$200.00
Details
Covered by AHG
  • All ducts from heating and/or cooling unit to the point of attachment at registers or grills
Not Covered by AHG
  • Registers and grills.
  • Insulation.
  • Insulated ductwork.
  • Asbestos.
  • Vents, flues and breaching.
  • Ductwork exposed to outside elements.
  • Improperly sized ductwork.
  • Separation due to settlement and/or lack of support.
  • Damper motors.
  • Diagnostic testing of, or locating leaks to ductwork, including but not limited to, as required by any federal, state or local law, ordinance or regulation, or when required due to the installation or replacement of system equipment.
  • AHG will provide access to ductwork through unobstructed walls, ceilings or floors, only, and will not return the access opening to its original condition.
  • Original Condition is defined to include hanging of drywall, patching of drywall, stucco, lath, supplies or labor for paint, sanding, wall texture, wallpaper and/or tile work.
  • AHG will not be responsible for payment of the cost to remove and replace any built-in appliances, cabinets, floor coverings or other obstructions impeding access to walls, ceilings, and/or floors.
  • AHG will not provide access to concrete covered, embedded, encased, or otherwise inaccessible ductwork
Electrical
$500.00
Details
Covered by AHG
  • Junction boxes.
  • Service panels.
  • Breakers sub-panels.
  • Switches.
  • Breakers.
  • Outlets.
  • Wiring.
  • Ground fault interrupters
Not Covered by AHG
  • Bathroom exhaust fans.
  • Direct current (DC) wiring and systems.
  • Exterior wiring and components (except main panels mounted to exterior wall).
  • Any wiring or components servicing a detached structure.
  • Fire, carbon monoxide alarm and/or detection systems.
  • Batteries.
  • Intercom or speaker systems.
  • Doorbells.
  • Multi-media systems.
  • Lighting fixtures.
  • Load control devices.
  • Attic fans.
  • Low voltage systems including wiring and relays.
  • Service entrance cables.
  • Telephone systems.
  • Telephone wiring.
  • Cable wiring.
  • Alarm and/or security systems and wiring.
  • Timers.
  • Touch pad assemblies.
  • Transmitters and remotes.
  • Utility meter base pans.
  • Solar power systems and panels.
  • All solar components and parts.
  • Energy management systems.
  • Commercial grade equipment.
  • Auxiliary or sub-panels.
  • Broken and/or severed wires.
  • Rerunning of new wiring for broken wires.
  • Wire tracing.
  • Wire central vacuum systems.
  • Failures and conditions caused by inadequate wiring capacity, flood, fire, water, circuit overload, power failure/shortage or surge, and corrosion are not covered.
Garage door
$200.00
Details
Covered by AHG
  • Control board.
  • Motors.
  • Chains.
  • Belts.
  • Gears.
  • Pulley.
  • Sheave fork.
  • Axle bolts.
  • Switches.
Not Covered by AHG
  • Garage doors; hinges; springs; sensors; chains; travelers; door track assemblies; rollers; lights; remote receiving and/or transmitting devices.
Heating system
$1,500.00
$80.00
Details
Covered by AHG
  • All module, components and parts of the heating framework important to the functionality of the heating framework.
  • The primary heating arrangement of the secured home, provided that the heating framework does not surpass a five (5) ton limit.
Not Covered by AHG
  • Chimneys, flues, and liners.
  • Warmth lights.
  • Wiring.
  • Air cleaners.
  • Obstructed lines.
  • Pipes.
  • Heat exchanger.
  • Timekeepers and clocks.
  • Curls.
  • Pipe perplexes.
  • Humidifiers.
  • Channeling; geothermal heating/cooling units.
  • Fire box.
  • Valves.
  • Water funneling.
  • Damper engines.
  • Cleaning and re-lighting of pilots.
  • Concrete encased or inaccessible ductwork.
  • Concrete encased or inaccessible steam or radiant heating coils or lines.
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits.
  • Maintenance and cleaning.
  • Calcium build-up.
  • Evaporator coil pan.
  • Primary or secondary drain pans.
  • Fossil and dual fuel control systems and other energy management systems and controls.
  • Dampers.
  • Asbestos insulated ductwork or piping.
  • Baseboard heat.
  • Filters (including electronic/electrostatic and de-ionizing filter systems).
  • Fireplaces and their respective components and gas lines.
  • Free-standing or portable heating units.
  • Heat lamps.
  • Pellet stoves.
  • Fuel storage tanks, lines, and filters.
  • Gas log systems, including gas feed lines.
  • Valves.
  • Key valves.
  • Oil filters, nozzles, or strainers.
  • Humidifiers.
  • Inaccessible water/steam lines leading to or from system.
  • Backflow preventers.
  • Individual space heaters.
  • Panels and/or cabinetry.
  • Radiant heating systems built into walls, floors or ceilings.
  • Registers and grills.
  • Secondary units.
  • Solar heating devices and components.
  • Maintenance.
  • Noise without a related mechanical failure.
  • Improperly sized heating systems.
  • Mismatched systems; and structural components.
Microwave
$500.00
Details
Covered by AHG
  • All modules, components and parts of the built-in microwave important to the functionality of the built-in microwave.
Not Covered by AHG
  • Doors.
  • Hinges.
  • Handles.
  • Glass.
  • Knobs.
  • Lights.
  • Clocks.
  • Restorative issues or variations from the norm.
  • Meat probe assemblies, rotisseries.
  • Racks and trays.
  • Interior linings.
  • Arcing.
  • Portable or counter top unit.
  • Components identifying with establishment/mounting.
  • Cosmetic damage or appearance.
Oven
$500.00
Details
Covered by AHG
  • All modules, components and parts of the gas or electric oven, range and stove top important to the functionality of the oven, range and/or stove top.
Not Covered by AHG
  • Doors
  • Door seals.
  • Burner bowls and covers.
  • Hinges.
  • Range hood.
  • Prtable units.
  • Handles.
  • Glass
  • Knobs.
  • Lighting.
  • Clocks.
  • Frying pans.
  • Meat probe assemblies, rotisseries.
  • Racks and trays.
  • Downdrafts.
  • Nonessential issues or variations from the norm.
  • Independent telescoping range exhaust.
  • Exhaust fan not solely for venting range/cooktop fumes.
  • Filters and screens.
  • Venting.
  • Sensiheat burners will only be replaced with standard burners.
  • Drip pans.
  • Self-cleaning mechanisms including door latches.
  • Commercial units.
  • Pilot.
  • Electrical displays.
  • Touch screen displays.
  • Buttons.
  • Wiring.
  • Wireless use.
  • Cosmetics/appearance.
Plumbing
$500.00
$70.00
Details
Covered by AHG
  • Line leaks in the water, drain, waste or vent lines not brought about by harm coming about because of solidifying or from roots.
  • Toilet bowls.
  • Toilet tanks.
  • Toilet flushing mechanisms.
  • Angle stops.
  • Risers.
  • Stoppages in drain, vent and sewer lines up to 100 feet from access point, with the exception of if created by roots or freezing.
  • Mainline stoppages are just cleared when there is an available ground level clean out.
Not Covered by AHG
  • All plumbing in or under the ground, foundation or slab.
  • All piping and plumbing outside of the perimeter of the foundation.
  • Cartridge.
  • Plumbing components identifying with hose tuckers.
  • Lacking or unreasonable water weight; any piping or plumbing in a detached structure.
  • Stoppage of concrete encased lines.
  • Access to empty or sewer lines out of the vent or evacuation of the water storage room.
  • Water conditioners.
  • Tub and shower valves; any fees for locating, accessing or installing cleanouts.
  • Pumps.
  • Jetting.
  • Lead channel lines/funnels.
  • Removal of water closets/toilets in order to clear stoppages, any fees for photo/video equipment, hydro-jetting equipment.
  • Jet or steam clearing.
  • Chemicals.
  • Stoppages caused by root invasion.
  • Stoppages caused by foreign objects, such as but not limited to, sanitary wipes, toys, bottle caps, etc.
  • Bath tubs.
  • Tub and shower base skillet.
  • Spigot.
  • Toilet lids and seats.
  • Sinks.
  • Cracked porcelain.
  • Basket and strainers.
  • Pop-up assemblies.
  • Glass.
  • Bidets.
  • Electronic toilets/bidets.
  • Caulking or grout.
  • Color or purity of the water in the system.
  • Concrete encased plumbing.
  • Conditions of insufficient or excessive water pressure.
  • Conditions of water flow restriction due to scale, rust, sediment, and other deposits.
  • Exterior hose bibs.
  • Faucets and fixtures.
  • Water softeners.
  • Freeze damage.
  • Holding and pressure tanks.
  • Jet pumps.
  • Laundry tubs.
  • Lawn sprinkler systems.
  • Saunas and/or steam systems.
  • Polybutylene or quest piping; galvanized drain lines.
  • Drum traps.
  • Flange.
  • Repair and finish of any floors where it is necessary to break through to effect repairs.
  • Septic tanks and systems in or outside of the home.
  • Sewage ejector pumps.
  • Sewer and water laterals.
  • Shower enclosures and base pans.
  • Expenses to find, get to or introduce a ground level get out.
  • Repair and finish of any walls or ceilings where it is necessary to break through to effect repair is this includes hanging of drywall, patching of drywall, stucco, and lath. supplies or labor for paint, sanding, wall texture, wallpaper and/or tile work.
Refrigerator
$500.00
$40.00
Details
Covered by AHG
  • All modules, components and parts of the refrigerator important to the functionality of the cooler.
Not Covered by AHG
  • Racks.
  • Shelves.
  • Glass.
  • Freezer parts and components which are not vital to the cooler unit as a whole.
  • Lighting.
  • Handles.
  • Doors.
  • Door seals, hinges, and gaskets.
  • Freon.
  • Disposal and recapture of Freon.
  • Ice makers, ice crushers, beverage dispensers and their respective equipment.
  • Water lines and valve to ice maker; sealed framework; line restrictions.
  • Leaks of any kind.
  • Maintenance.
  • Interior thermal shells.
  • Freezers which are not an integral part of the refrigerator.
  • Damage brought about by refrigerant release.
  • Wine chillers or mini refrigerators.
  • Food spoilage.
  • Noise without a related mechanical failure.
  • Multi-media centers and internet connection components.
Washer
$500.00
Details
Covered by AHG
  • All modules, components and parts of the clothes washer and clothes dryer important to the functionality of the clothes washer and clothes dryer
Not Covered by AHG
  • Soap dispensers.
  • Containers.
  • Removable minitubs.
  • Filter screens.
  • Knobs and dials.
  • Obstructed channels.
  • Flush guides.
  • Latches.
  • Racks.
  • Trays.
  • Baskets.
  • Framing and trim.
  • Rollers.
  • Damage caused by broken glass.
  • Maintenance and cleaning.
  • Commercial units.
  • Portable units.
  • Touch screen displays.
  • Buttons.
  • Wiring.
  • Wireless use.
  • Cosmetics/appearance.
  • Clogged drains.
  • Restorative issues or variations from the norm.
  • Components identifying with establishment/mounting. door seals and hinges.
  • Glass.
  • Leveling and balancing.
  • Damage to clothing.
  • Commercial units.
  • Noise without a related mechanical failure.
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits.
  • Venting.
  • Lint screens.
  • Conditions of air flow restriction due to a lack of maintenance and/or clogged lint screens.
Water heater
$500.00
$60.00
Details
Covered by AHG
  • All modules, components and parts of the water warmer important to the functionality of the water heater.
Not Covered by AHG
  • Auxiliary and secondary holding/storage tanks.
  • Main, holding or storage tanks.
  • Expansion tanks.
  • Base pans.
  • Drain pans and drain lines.
  • Pumps.
  • Pressure reducing valve, weight diminishing valve.
  • Sediment build-up, rust and corrosion.
  • Color or purity of water.
  • Flues.
  • Leaks, vent pipes/lines.
  • Insulation and insulation blankets.
  • Heat recovery units.
  • Deplete funneling.
  • Tankless hot water heaters.
  • Low boy and/or squat water heaters.
  • Solar water heaters including all solar components and parts.
  • Any noise without a related mechanical failure.
  • Racks.
  • Straps.
  • Timers.
  • Energy management systems.
  • Commercial grade equipment and units exceeding 50 gallons.
  • Failure brought about by leaks.
Pool
$250.00
$100.00
Details
Covered by AHG
  • Pumping system.
  • Heating sytem.
  • Filtration system.
Not Covered by AHG
  • Portable or above ground spas.
  • Access to pool and spa equipment.
  • Lights.
  • Liners and tile.
  • Jets.
  • Ornamental fountains, waterfalls and their pumping systems.
  • Auxiliary pumps.
  • Pool cover and related equipment.
  • Fill line and fill valves.
  • Built-in or detachable cleaning equipment including, without limitation, pool sweeps, pop-up heads, turbo valves, skimmers, chlorinators, and ionizers.
  • Fuel storage tanks.
  • Disposable filtration mediums.
  • Heat pump.
  • Heaters.
  • Multi-media centers.
  • Dehumidifiers.
  • Salt water generators and components.
  • Salt water systems.
  • Cracked or corroded filter casings.
  • Grids.
  • Cartridges.
  • Maintenance.
  • Structural defects.
  • Solar equipment and components.
  • Pool sweep motor and pump.
  • Pump motor.
  • Blower motor and timer.
  • Filter.
  • Filter timer.
  • Gaskets.
  • Timer.
  • Valves, limited to back flush, actuator, check, and 2 and 3-way valves.
  • Relays and switches.
  • Above ground plumbing pipes and wiring,
Spa
$250.00
$100.00
Details
Covered by AHG
  • Pumping system.
  • Heating sytem.
  • Filtration system.
Not Covered by AHG
  • Portable or above ground spas.
  • Access to pool and spa equipment.
  • Lights.
  • Liners and tile.
  • Jets.
  • Ornamental fountains, waterfalls and their pumping systems.
  • Auxiliary pumps.
  • Pool cover and related equipment.
  • Fill line and fill valves.
  • Built-in or detachable cleaning equipment including, without limitation, pool sweeps, pop-up heads, turbo valves, skimmers, chlorinators, and ionizers.
  • Fuel storage tanks.
  • Disposable filtration mediums.
  • Heat pump.
  • Heaters.
  • Multi-media centers.
  • Dehumidifiers.
  • Salt water generators and components.
  • Salt water systems.
  • Cracked or corroded filter casings.
  • Grids.
  • Cartridges.
  • Maintenance.
  • Structural defects.
  • Solar equipment and components.
  • Pool sweep motor and pump.
  • Pump motor.
  • Blower motor and timer.
  • Filter.
  • Filter timer.
  • Gaskets.
  • Timer.
  • Valves, limited to back flush, actuator, check, and 2 and 3-way valves.
  • Relays and switches.
  • Above ground plumbing pipes and wiring,
Septic
$200.00
$70.00
Details
Covered by AHG
  • Aerobic pump.
  • Sewage ejector.
  • Jet pump.
  • Septic tank
Not Covered by AHG
  • Broken or collapsed sewer lines.
  • Pumping.
  • Tile fields.
  • Leach beds.
  • Leach lines.
  • Lateral lines.
  • Tanks.
  • Insufficient capacity.
  • Seepage pits.
  • Cesspools and sewage ejector pumps not associated with the septic system.
  • AHG does not cover the cost associated with locating or gaining access to the septic tank or sewer hook-ups nor do we cover the cost of installing cleanouts or hook ups if they do not already exist.
  • Disposal of waste.
  • Pumping.
  • Chemical treatments of the septic tank or sewer lines, stoppages caused by root invasion and/or stoppages caused by foreign objects, such as but not limited to, toys and bottle caps.
Well pump
$200.00
$60.00
Details
Covered by AHG
  • All components of well pump, provided the well is the primary water source to the covered home.
Not Covered by AHG
  • Above or underground piping, cable or electrical lines leading to or from the well pump, including those that are located within the well casing.
  • Holding or storage tanks.
  • Digging.
  • Locating pump.
  • Pump retrieval.
  • Redrilling of wells.
  • Well casings.
  • Pressure tanks.
  • Pressure switches and gauges.
  • Check valve.
  • Relief valve.
  • Drop pipe.
  • Piping or electrical lines leading to or connecting pressure tank and main dwelling including wiring from control box to the pump.
  • Booster pumps.
  • Well pump and all well pump components for geothermal and/or water source heat pumps.
Sump pump
$200.00
$40.00
Details
Covered by AHG
  • All mechanical components of sump pump for ground water, provided the pump is within the foundation of the covered home.
Not Covered by AHG
  • Any unit located outside the covered property and/or within crawl spaces.
  • Back-up power assemblies.
  • Portable or non-hard piped installed units.
  • Sewerage ejector pumps.
  • Backflow preventers.
  • Check valves.
  • Piping modifications for new installs.
Vacuum
-
$40.00
Details
Covered by AHG
No Info
Not Covered by AHG
No Info
Roof leaks
$200.00
-
Details
Covered by AHG
  • This shall only apply in cases where roof leak repairs over active area of single family homes only. AHG is obliged to cover the roof leaks only.
Not Covered by AHG
  • Leaks related to patios.
  • Porches.
  • Decks.
  • Metal roofs.
  • Foam roofs.
  • Garages.
  • Guest houses.
  • Pool cabanas.
  • Gazebos.
  • Shingles.
  • Cemwood shakes.
  • Cracked and/or missing material.
  • Tiles.
  • Tar and gravel.
  • Flat or built-up roofs.
  • Structural leaks.
  • Asphalt.
  • Gutters.
  • Downspouts.
  • Skylights.
  • Flashing.
  • Patio covers.
  • Solar components.
  • Attic vents.
  • Roof jacks.
  • Satellite components.
  • Antennae.
  • Chimney components.
  • Partial roof replacement.
  • Preventative maintenance.
  • AHG will not be obliged to under any circumstances cover repairs requiring partial or complete replacement of roofs.
Refrigerator ice maker
$200.00
-
Details
Covered by AHG
  • All mechanical components that affect operation
Not Covered by AHG
  • Free standing ice makers.
  • Freon.
  • Disposal and recapture of Freon.
  • Dispensers.
  • Ice crushers.
  • Water lines and valve to ice maker.
  • Line restrictions.
Sprinkler
$200.00
-
Details
Covered by AHG
  • All mechanical components that affect operation
Not Covered by AHG
  • Hydraulic systems.
  • Malfunctioning due to lack of water pressure.
  • Digging of sprinkler lines.
  • Water lines.
  • Leak detections.
  • Batteries.
  • Drip irrigation systems.
  • Damage due to freezing, pets, cars, or lawn care equipment.
  • Sprinkler heads.
  • Seasonal maintenance.
  • Improper electrical current.
  • Systems using water containing corrosive chemicals, electrolytes, sand, dirt, silt, rust or agents that otherwise attack and degrade plastics.
Premium Amount
Silver Systems Plan
24%
$405.00
Platinum Combo Plan
66%
$499.92
Gold Appliance Plan
31%
$405.00
COVERAGE DETAILS
Air conditioner
Expand
Limit
Silver Systems Plan
Platinum Combo Plan
Gold Appliance Plan
Optional Coverage
$80.00
Expand
Covered by AHG
  • Motor.
  • Compressor.
  • Condenser.
  • Thermostat.
  • AHG is obliged to cover the primary floor air conditioning unit of the covered home only, provided that the air conditioning unit does not exceed a five (5) ton limit.
Not Covered by AHG
  • Filters.
  • Condenser casings.
  • Air filtration systems.
  • Flues.
  • Registers and grills.
  • Condenser casings.
  • Water towers.
  • Refrigerant recapture.
  • Gas or propane air condition systems.
  • Improper wiring.
  • Iimproper piping condensation leaks.
  • Geothermal systems.
  • Humidifiers.
  • Chillers.
  • Electronic air cleaners.
  • Window units.
  • Non-ducted wall units.
  • Damage caused by refrigerant leak.
  • Damaged ducts.
  • Mini-split wall units.
  • Gas air conditioning systems.
  • Water evaporative coolers.
  • Swamp coolers.
  • Refrigerant leaks.
  • Condensate pumps.
  • Thermal expansion valves.
  • All exterior condensing, cooling and pump pads.
  • Roof mounts, jacks, stands or supports.
  • Cost for crane rentals.
  • Electronic, computerized, and manual systems management and zone controllers.
  • Commercial grade equipment.
  • Refrigerant conversion.
  • Leak detections.
  • Water leaks.
  • Drain line stoppages or drain pans.
  • Clogged lines.
  • Maintenance.
  • Noise without a related mechanical failure.
  • Improperly sized units.
  • Air conditioning with mismatched condensing unit and evaporative coil per manufacturer specifications.
  • Improper use of metering devices (i.e. thermal expansion valves).
  • AHG is not responsible for the costs associated with matching dimensions, brand or color made.
  • AHG will not pay for any modifications or upgrades necessitated by the repair of existing equipment or the installation of new equipment.
  • AHG shall not be obliged under any circumstances to cover window, wall or zone systems or portable air conditioning units.
Ceiling fan
Expand
Limit
$200.00
Silver Systems Plan
Platinum Combo Plan
Gold Appliance Plan
Optional Coverage
Expand
Covered by AHG
  • All modules, components and parts of the ceiling fan affixed in the covered home necessary to its functionality.
Not Covered by AHG
  • Fan blades.
  • Belts.
  • Shutters.
  • Filters.
  • Lighting.
  • Wiring.
  • Misuse.
  • Neglect.
  • Improper installations.
  • Previous repairs.
  • Discontinued models.
Dishwasher
Expand
Limit
$500.00
Silver Systems Plan
Platinum Combo Plan
Gold Appliance Plan
Optional Coverage
Expand
Covered by AHG
  • ll modules, components and parts of the dishwasher important to the functionality of the dishwasher.
Not Covered by AHG
  • Soap dispensers.
  • Doors.
  • Door seals.
  • Hinges.
  • Handles.
  • Glass.
  • Knobs.
  • Obstructed channels.
  • Flush guides.
  • Latches.
  • Racks, trays, and baskets.
  • Framing and trim.
  • Rollers.
  • Damage caused by broken glass.
  • Maintenance and cleaning.
  • Commercial units.
  • Portable units.
  • Touch screen displays.
  • Buttons.
  • Wiring.
  • Wireless use.
  • Cosmetics/appearance.
  • Clogged drains.
  • Restorative issues or variations from the norm.
  • Components identifying with establishment/mounting.
Disposal
Expand
Limit
$200.00
Silver Systems Plan
Platinum Combo Plan
Gold Appliance Plan
Optional Coverage
Expand
Covered by AHG
  • All modules, components and parts of the garbage disposal important to the functionality of the garbage disposal.
Not Covered by AHG
  • Failures and/or jams caused by bones, eggshells.
  • Spines.
  • Trash compactor.
  • Components identifying with establishment/mounting.
  • Rings.
  • Glass, or foreign objects other than food.
Dryer
Expand
Limit
$500.00
Silver Systems Plan
Platinum Combo Plan
Gold Appliance Plan
Optional Coverage
Expand
Covered by AHG
  • All modules, components and parts of the clothes washer and clothes dryer important to the functionality of the clothes washer and clothes dryer
Not Covered by AHG
  • Soap dispensers.
  • Containers.
  • Removable minitubs.
  • Filter screens.
  • Knobs and dials.
  • Obstructed channels.
  • Flush guides.
  • Latches.
  • Racks.
  • Trays.
  • Baskets.
  • Framing and trim.
  • Rollers.
  • Damage caused by broken glass.
  • Maintenance and cleaning.
  • Commercial units.
  • Portable units.
  • Touch screen displays.
  • Buttons.
  • Wiring.
  • Wireless use.
  • Cosmetics/appearance.
  • Clogged drains.
  • Restorative issues or variations from the norm.
  • Components identifying with establishment/mounting. door seals and hinges.
  • Glass.
  • Leveling and balancing.
  • Damage to clothing.
  • Commercial units.
  • Noise without a related mechanical failure.
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits.
  • Venting.
  • Lint screens.
  • Conditions of air flow restriction due to a lack of maintenance and/or clogged lint screens.
Ductwork
Expand
Limit
$200.00
Silver Systems Plan
Platinum Combo Plan
Gold Appliance Plan
Optional Coverage
Expand
Covered by AHG
  • All ducts from heating and/or cooling unit to the point of attachment at registers or grills
Not Covered by AHG
  • Registers and grills.
  • Insulation.
  • Insulated ductwork.
  • Asbestos.
  • Vents, flues and breaching.
  • Ductwork exposed to outside elements.
  • Improperly sized ductwork.
  • Separation due to settlement and/or lack of support.
  • Damper motors.
  • Diagnostic testing of, or locating leaks to ductwork, including but not limited to, as required by any federal, state or local law, ordinance or regulation, or when required due to the installation or replacement of system equipment.
  • AHG will provide access to ductwork through unobstructed walls, ceilings or floors, only, and will not return the access opening to its original condition.
  • Original Condition is defined to include hanging of drywall, patching of drywall, stucco, lath, supplies or labor for paint, sanding, wall texture, wallpaper and/or tile work.
  • AHG will not be responsible for payment of the cost to remove and replace any built-in appliances, cabinets, floor coverings or other obstructions impeding access to walls, ceilings, and/or floors.
  • AHG will not provide access to concrete covered, embedded, encased, or otherwise inaccessible ductwork
Electrical
Expand
Limit
$500.00
Silver Systems Plan
Platinum Combo Plan
Gold Appliance Plan
Optional Coverage
Expand
Covered by AHG
  • Junction boxes.
  • Service panels.
  • Breakers sub-panels.
  • Switches.
  • Breakers.
  • Outlets.
  • Wiring.
  • Ground fault interrupters
Not Covered by AHG
  • Bathroom exhaust fans.
  • Direct current (DC) wiring and systems.
  • Exterior wiring and components (except main panels mounted to exterior wall).
  • Any wiring or components servicing a detached structure.
  • Fire, carbon monoxide alarm and/or detection systems.
  • Batteries.
  • Intercom or speaker systems.
  • Doorbells.
  • Multi-media systems.
  • Lighting fixtures.
  • Load control devices.
  • Attic fans.
  • Low voltage systems including wiring and relays.
  • Service entrance cables.
  • Telephone systems.
  • Telephone wiring.
  • Cable wiring.
  • Alarm and/or security systems and wiring.
  • Timers.
  • Touch pad assemblies.
  • Transmitters and remotes.
  • Utility meter base pans.
  • Solar power systems and panels.
  • All solar components and parts.
  • Energy management systems.
  • Commercial grade equipment.
  • Auxiliary or sub-panels.
  • Broken and/or severed wires.
  • Rerunning of new wiring for broken wires.
  • Wire tracing.
  • Wire central vacuum systems.
  • Failures and conditions caused by inadequate wiring capacity, flood, fire, water, circuit overload, power failure/shortage or surge, and corrosion are not covered.
Garage door
Expand
Limit
$200.00
Silver Systems Plan
Platinum Combo Plan
Gold Appliance Plan
Optional Coverage
Expand
Covered by AHG
  • Control board.
  • Motors.
  • Chains.
  • Belts.
  • Gears.
  • Pulley.
  • Sheave fork.
  • Axle bolts.
  • Switches.
Not Covered by AHG
  • Garage doors; hinges; springs; sensors; chains; travelers; door track assemblies; rollers; lights; remote receiving and/or transmitting devices.
Heating system
Expand
Limit
$1,500.00
Silver Systems Plan
Platinum Combo Plan
Gold Appliance Plan
Optional Coverage
$80.00
Expand
Covered by AHG
  • All module, components and parts of the heating framework important to the functionality of the heating framework.
  • The primary heating arrangement of the secured home, provided that the heating framework does not surpass a five (5) ton limit.
Not Covered by AHG
  • Chimneys, flues, and liners.
  • Warmth lights.
  • Wiring.
  • Air cleaners.
  • Obstructed lines.
  • Pipes.
  • Heat exchanger.
  • Timekeepers and clocks.
  • Curls.
  • Pipe perplexes.
  • Humidifiers.
  • Channeling; geothermal heating/cooling units.
  • Fire box.
  • Valves.
  • Water funneling.
  • Damper engines.
  • Cleaning and re-lighting of pilots.
  • Concrete encased or inaccessible ductwork.
  • Concrete encased or inaccessible steam or radiant heating coils or lines.
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits.
  • Maintenance and cleaning.
  • Calcium build-up.
  • Evaporator coil pan.
  • Primary or secondary drain pans.
  • Fossil and dual fuel control systems and other energy management systems and controls.
  • Dampers.
  • Asbestos insulated ductwork or piping.
  • Baseboard heat.
  • Filters (including electronic/electrostatic and de-ionizing filter systems).
  • Fireplaces and their respective components and gas lines.
  • Free-standing or portable heating units.
  • Heat lamps.
  • Pellet stoves.
  • Fuel storage tanks, lines, and filters.
  • Gas log systems, including gas feed lines.
  • Valves.
  • Key valves.
  • Oil filters, nozzles, or strainers.
  • Humidifiers.
  • Inaccessible water/steam lines leading to or from system.
  • Backflow preventers.
  • Individual space heaters.
  • Panels and/or cabinetry.
  • Radiant heating systems built into walls, floors or ceilings.
  • Registers and grills.
  • Secondary units.
  • Solar heating devices and components.
  • Maintenance.
  • Noise without a related mechanical failure.
  • Improperly sized heating systems.
  • Mismatched systems; and structural components.
Microwave
Expand
Limit
$500.00
Silver Systems Plan
Platinum Combo Plan
Gold Appliance Plan
Optional Coverage
Expand
Covered by AHG
  • All modules, components and parts of the built-in microwave important to the functionality of the built-in microwave.
Not Covered by AHG
  • Doors.
  • Hinges.
  • Handles.
  • Glass.
  • Knobs.
  • Lights.
  • Clocks.
  • Restorative issues or variations from the norm.
  • Meat probe assemblies, rotisseries.
  • Racks and trays.
  • Interior linings.
  • Arcing.
  • Portable or counter top unit.
  • Components identifying with establishment/mounting.
  • Cosmetic damage or appearance.
Oven
Expand
Limit
$500.00
Silver Systems Plan
Platinum Combo Plan
Gold Appliance Plan
Optional Coverage
Expand
Covered by AHG
  • All modules, components and parts of the gas or electric oven, range and stove top important to the functionality of the oven, range and/or stove top.
Not Covered by AHG
  • Doors
  • Door seals.
  • Burner bowls and covers.
  • Hinges.
  • Range hood.
  • Prtable units.
  • Handles.
  • Glass
  • Knobs.
  • Lighting.
  • Clocks.
  • Frying pans.
  • Meat probe assemblies, rotisseries.
  • Racks and trays.
  • Downdrafts.
  • Nonessential issues or variations from the norm.
  • Independent telescoping range exhaust.
  • Exhaust fan not solely for venting range/cooktop fumes.
  • Filters and screens.
  • Venting.
  • Sensiheat burners will only be replaced with standard burners.
  • Drip pans.
  • Self-cleaning mechanisms including door latches.
  • Commercial units.
  • Pilot.
  • Electrical displays.
  • Touch screen displays.
  • Buttons.
  • Wiring.
  • Wireless use.
  • Cosmetics/appearance.
Plumbing
Expand
Limit
$500.00
Silver Systems Plan
Platinum Combo Plan
Gold Appliance Plan
Optional Coverage
$70.00
Expand
Covered by AHG
  • Line leaks in the water, drain, waste or vent lines not brought about by harm coming about because of solidifying or from roots.
  • Toilet bowls.
  • Toilet tanks.
  • Toilet flushing mechanisms.
  • Angle stops.
  • Risers.
  • Stoppages in drain, vent and sewer lines up to 100 feet from access point, with the exception of if created by roots or freezing.
  • Mainline stoppages are just cleared when there is an available ground level clean out.
Not Covered by AHG
  • All plumbing in or under the ground, foundation or slab.
  • All piping and plumbing outside of the perimeter of the foundation.
  • Cartridge.
  • Plumbing components identifying with hose tuckers.
  • Lacking or unreasonable water weight; any piping or plumbing in a detached structure.
  • Stoppage of concrete encased lines.
  • Access to empty or sewer lines out of the vent or evacuation of the water storage room.
  • Water conditioners.
  • Tub and shower valves; any fees for locating, accessing or installing cleanouts.
  • Pumps.
  • Jetting.
  • Lead channel lines/funnels.
  • Removal of water closets/toilets in order to clear stoppages, any fees for photo/video equipment, hydro-jetting equipment.
  • Jet or steam clearing.
  • Chemicals.
  • Stoppages caused by root invasion.
  • Stoppages caused by foreign objects, such as but not limited to, sanitary wipes, toys, bottle caps, etc.
  • Bath tubs.
  • Tub and shower base skillet.
  • Spigot.
  • Toilet lids and seats.
  • Sinks.
  • Cracked porcelain.
  • Basket and strainers.
  • Pop-up assemblies.
  • Glass.
  • Bidets.
  • Electronic toilets/bidets.
  • Caulking or grout.
  • Color or purity of the water in the system.
  • Concrete encased plumbing.
  • Conditions of insufficient or excessive water pressure.
  • Conditions of water flow restriction due to scale, rust, sediment, and other deposits.
  • Exterior hose bibs.
  • Faucets and fixtures.
  • Water softeners.
  • Freeze damage.
  • Holding and pressure tanks.
  • Jet pumps.
  • Laundry tubs.
  • Lawn sprinkler systems.
  • Saunas and/or steam systems.
  • Polybutylene or quest piping; galvanized drain lines.
  • Drum traps.
  • Flange.
  • Repair and finish of any floors where it is necessary to break through to effect repairs.
  • Septic tanks and systems in or outside of the home.
  • Sewage ejector pumps.
  • Sewer and water laterals.
  • Shower enclosures and base pans.
  • Expenses to find, get to or introduce a ground level get out.
  • Repair and finish of any walls or ceilings where it is necessary to break through to effect repair is this includes hanging of drywall, patching of drywall, stucco, and lath. supplies or labor for paint, sanding, wall texture, wallpaper and/or tile work.
Refrigerator
Expand
Limit
$500.00
Silver Systems Plan
Platinum Combo Plan
Gold Appliance Plan
Optional Coverage
$40.00
Expand
Covered by AHG
  • All modules, components and parts of the refrigerator important to the functionality of the cooler.
Not Covered by AHG
  • Racks.
  • Shelves.
  • Glass.
  • Freezer parts and components which are not vital to the cooler unit as a whole.
  • Lighting.
  • Handles.
  • Doors.
  • Door seals, hinges, and gaskets.
  • Freon.
  • Disposal and recapture of Freon.
  • Ice makers, ice crushers, beverage dispensers and their respective equipment.
  • Water lines and valve to ice maker; sealed framework; line restrictions.
  • Leaks of any kind.
  • Maintenance.
  • Interior thermal shells.
  • Freezers which are not an integral part of the refrigerator.
  • Damage brought about by refrigerant release.
  • Wine chillers or mini refrigerators.
  • Food spoilage.
  • Noise without a related mechanical failure.
  • Multi-media centers and internet connection components.
Washer
Expand
Limit
$500.00
Silver Systems Plan
Platinum Combo Plan
Gold Appliance Plan
Optional Coverage
Expand
Covered by AHG
  • All modules, components and parts of the clothes washer and clothes dryer important to the functionality of the clothes washer and clothes dryer
Not Covered by AHG
  • Soap dispensers.
  • Containers.
  • Removable minitubs.
  • Filter screens.
  • Knobs and dials.
  • Obstructed channels.
  • Flush guides.
  • Latches.
  • Racks.
  • Trays.
  • Baskets.
  • Framing and trim.
  • Rollers.
  • Damage caused by broken glass.
  • Maintenance and cleaning.
  • Commercial units.
  • Portable units.
  • Touch screen displays.
  • Buttons.
  • Wiring.
  • Wireless use.
  • Cosmetics/appearance.
  • Clogged drains.
  • Restorative issues or variations from the norm.
  • Components identifying with establishment/mounting. door seals and hinges.
  • Glass.
  • Leveling and balancing.
  • Damage to clothing.
  • Commercial units.
  • Noise without a related mechanical failure.
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits.
  • Venting.
  • Lint screens.
  • Conditions of air flow restriction due to a lack of maintenance and/or clogged lint screens.
Water heater
Expand
Limit
$500.00
Silver Systems Plan
Platinum Combo Plan
Gold Appliance Plan
Optional Coverage
$60.00
Expand
Covered by AHG
  • All modules, components and parts of the water warmer important to the functionality of the water heater.
Not Covered by AHG
  • Auxiliary and secondary holding/storage tanks.
  • Main, holding or storage tanks.
  • Expansion tanks.
  • Base pans.
  • Drain pans and drain lines.
  • Pumps.
  • Pressure reducing valve, weight diminishing valve.
  • Sediment build-up, rust and corrosion.
  • Color or purity of water.
  • Flues.
  • Leaks, vent pipes/lines.
  • Insulation and insulation blankets.
  • Heat recovery units.
  • Deplete funneling.
  • Tankless hot water heaters.
  • Low boy and/or squat water heaters.
  • Solar water heaters including all solar components and parts.
  • Any noise without a related mechanical failure.
  • Racks.
  • Straps.
  • Timers.
  • Energy management systems.
  • Commercial grade equipment and units exceeding 50 gallons.
  • Failure brought about by leaks.
Pool
Expand
Limit
$250.00
Silver Systems Plan
Platinum Combo Plan
Gold Appliance Plan
Optional Coverage
$100.00
Expand
Covered by AHG
  • Pumping system.
  • Heating sytem.
  • Filtration system.
Not Covered by AHG
  • Portable or above ground spas.
  • Access to pool and spa equipment.
  • Lights.
  • Liners and tile.
  • Jets.
  • Ornamental fountains, waterfalls and their pumping systems.
  • Auxiliary pumps.
  • Pool cover and related equipment.
  • Fill line and fill valves.
  • Built-in or detachable cleaning equipment including, without limitation, pool sweeps, pop-up heads, turbo valves, skimmers, chlorinators, and ionizers.
  • Fuel storage tanks.
  • Disposable filtration mediums.
  • Heat pump.
  • Heaters.
  • Multi-media centers.
  • Dehumidifiers.
  • Salt water generators and components.
  • Salt water systems.
  • Cracked or corroded filter casings.
  • Grids.
  • Cartridges.
  • Maintenance.
  • Structural defects.
  • Solar equipment and components.
  • Pool sweep motor and pump.
  • Pump motor.
  • Blower motor and timer.
  • Filter.
  • Filter timer.
  • Gaskets.
  • Timer.
  • Valves, limited to back flush, actuator, check, and 2 and 3-way valves.
  • Relays and switches.
  • Above ground plumbing pipes and wiring,
Spa
Expand
Limit
$250.00
Silver Systems Plan
Platinum Combo Plan
Gold Appliance Plan
Optional Coverage
$100.00
Expand
Covered by AHG
  • Pumping system.
  • Heating sytem.
  • Filtration system.
Not Covered by AHG
  • Portable or above ground spas.
  • Access to pool and spa equipment.
  • Lights.
  • Liners and tile.
  • Jets.
  • Ornamental fountains, waterfalls and their pumping systems.
  • Auxiliary pumps.
  • Pool cover and related equipment.
  • Fill line and fill valves.
  • Built-in or detachable cleaning equipment including, without limitation, pool sweeps, pop-up heads, turbo valves, skimmers, chlorinators, and ionizers.
  • Fuel storage tanks.
  • Disposable filtration mediums.
  • Heat pump.
  • Heaters.
  • Multi-media centers.
  • Dehumidifiers.
  • Salt water generators and components.
  • Salt water systems.
  • Cracked or corroded filter casings.
  • Grids.
  • Cartridges.
  • Maintenance.
  • Structural defects.
  • Solar equipment and components.
  • Pool sweep motor and pump.
  • Pump motor.
  • Blower motor and timer.
  • Filter.
  • Filter timer.
  • Gaskets.
  • Timer.
  • Valves, limited to back flush, actuator, check, and 2 and 3-way valves.
  • Relays and switches.
  • Above ground plumbing pipes and wiring,
Septic
Expand
Limit
$200.00
Silver Systems Plan
Platinum Combo Plan
Gold Appliance Plan
Optional Coverage
$70.00
Expand
Covered by AHG
  • Aerobic pump.
  • Sewage ejector.
  • Jet pump.
  • Septic tank
Not Covered by AHG
  • Broken or collapsed sewer lines.
  • Pumping.
  • Tile fields.
  • Leach beds.
  • Leach lines.
  • Lateral lines.
  • Tanks.
  • Insufficient capacity.
  • Seepage pits.
  • Cesspools and sewage ejector pumps not associated with the septic system.
  • AHG does not cover the cost associated with locating or gaining access to the septic tank or sewer hook-ups nor do we cover the cost of installing cleanouts or hook ups if they do not already exist.
  • Disposal of waste.
  • Pumping.
  • Chemical treatments of the septic tank or sewer lines, stoppages caused by root invasion and/or stoppages caused by foreign objects, such as but not limited to, toys and bottle caps.
Well pump
Expand
Limit
$200.00
Silver Systems Plan
Platinum Combo Plan
Gold Appliance Plan
Optional Coverage
$60.00
Expand
Covered by AHG
  • All components of well pump, provided the well is the primary water source to the covered home.
Not Covered by AHG
  • Above or underground piping, cable or electrical lines leading to or from the well pump, including those that are located within the well casing.
  • Holding or storage tanks.
  • Digging.
  • Locating pump.
  • Pump retrieval.
  • Redrilling of wells.
  • Well casings.
  • Pressure tanks.
  • Pressure switches and gauges.
  • Check valve.
  • Relief valve.
  • Drop pipe.
  • Piping or electrical lines leading to or connecting pressure tank and main dwelling including wiring from control box to the pump.
  • Booster pumps.
  • Well pump and all well pump components for geothermal and/or water source heat pumps.
Sump pump
Expand
Limit
$200.00
Silver Systems Plan
Platinum Combo Plan
Gold Appliance Plan
Optional Coverage
$40.00
Expand
Covered by AHG
  • All mechanical components of sump pump for ground water, provided the pump is within the foundation of the covered home.
Not Covered by AHG
  • Any unit located outside the covered property and/or within crawl spaces.
  • Back-up power assemblies.
  • Portable or non-hard piped installed units.
  • Sewerage ejector pumps.
  • Backflow preventers.
  • Check valves.
  • Piping modifications for new installs.
Vacuum
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Limit
Silver Systems Plan
Platinum Combo Plan
Gold Appliance Plan
Optional Coverage
$40.00
Expand
Covered by AHG
No Info
Not Covered by AHG
No Info
Roof leaks
Expand
Limit
$200.00
Silver Systems Plan
Platinum Combo Plan
Gold Appliance Plan
Optional Coverage
Expand
Covered by AHG
  • This shall only apply in cases where roof leak repairs over active area of single family homes only. AHG is obliged to cover the roof leaks only.
Not Covered by AHG
  • Leaks related to patios.
  • Porches.
  • Decks.
  • Metal roofs.
  • Foam roofs.
  • Garages.
  • Guest houses.
  • Pool cabanas.
  • Gazebos.
  • Shingles.
  • Cemwood shakes.
  • Cracked and/or missing material.
  • Tiles.
  • Tar and gravel.
  • Flat or built-up roofs.
  • Structural leaks.
  • Asphalt.
  • Gutters.
  • Downspouts.
  • Skylights.
  • Flashing.
  • Patio covers.
  • Solar components.
  • Attic vents.
  • Roof jacks.
  • Satellite components.
  • Antennae.
  • Chimney components.
  • Partial roof replacement.
  • Preventative maintenance.
  • AHG will not be obliged to under any circumstances cover repairs requiring partial or complete replacement of roofs.
Refrigerator ice maker
Expand
Limit
$200.00
Silver Systems Plan
Platinum Combo Plan
Gold Appliance Plan
Optional Coverage
Expand
Covered by AHG
  • All mechanical components that affect operation
Not Covered by AHG
  • Free standing ice makers.
  • Freon.
  • Disposal and recapture of Freon.
  • Dispensers.
  • Ice crushers.
  • Water lines and valve to ice maker.
  • Line restrictions.
Sprinkler
Expand
Limit
$200.00
Silver Systems Plan
Platinum Combo Plan
Gold Appliance Plan
Optional Coverage
Expand
Covered by AHG
  • All mechanical components that affect operation
Not Covered by AHG
  • Hydraulic systems.
  • Malfunctioning due to lack of water pressure.
  • Digging of sprinkler lines.
  • Water lines.
  • Leak detections.
  • Batteries.
  • Drip irrigation systems.
  • Damage due to freezing, pets, cars, or lawn care equipment.
  • Sprinkler heads.
  • Seasonal maintenance.
  • Improper electrical current.
  • Systems using water containing corrosive chemicals, electrolytes, sand, dirt, silt, rust or agents that otherwise attack and degrade plastics.
Coverage Rating
4.6 / 5.0
Not available through RHW
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The Fine Print
Item
Value
Comparison to Industry
Coverage effective after
30 days
Above industry average
Expand
1
24.40
30
31
Cancellation with refund within
30 days
Above industry average
Expand
3
28.00
30
60
Cancellation fee
$75.00
Above industry average
Expand
0.00
47.67
75.00
95.00
Automatic policy renewal
Yes
As 94.6% of industry
Expand
Time to cancel automatic renewal
30 days
Above industry average
Expand
1
29.00
30
60
Fee for contract transfer
$0.00
At industry minimum
Expand
0.00
24.71
0.00
75.00
Max time to submit claim
3 days
Above industry average
Expand
1
2.60
3
30
Repair timeframe
2 business days
At industry maximum
Expand
1
1.87
2
2
Repair timeframe (weekends and holidays)
4 days
At industry maximum
Expand
1
3.00
4
4
Free second opinion
Yes
As 28.6% of industry
Expand
Emergency service available
No
As 13.2% of industry
Expand
Hours for service calls
Business Hours
As 14.8% of industry
Expand
Reservice if repairs fail
Unknown
n/a
Expand
Unknown data
Free reservice period (parts)
Unknown days
n/a
Expand
Unknown data
Free reservice period (labor)
Unknown days
n/a