American Home Guard Review

After you have decided which systems and appliances in your house should be covered by a home warranty, it is time to select the plan the fits your needs best. American Home Guard home warranty offers three main plans: Red, White, and Blue, plus an extensive list of additional items for optional coverage.

If your home appliances were recently updated and are still covered under the manufacturer’s warranty, the Red plan will work best for you. It covers all major home systems: Air conditioning, heating, electrical, and plumbing, for $530 a year—if you choose to make a single payment.  

On the other hand, if you prefer to cover home appliances, but not the home systems, AHG also has the right plan for you. The White plan, in comparison to the Red plan, covers all essential home appliances, such as washer and dryer, refrigerator, oven/stove/range, dishwasher, built-in microwave, and garbage disposal. It also costs $530 a year.

You don’t have to choose between coverage for home systems or home appliances if you don’t want to. There is an American Home Guard plan that will meet all your needs. The Blue plan combines coverage of the Red and White plans. Additionally, it covers ceiling fans and a garage door opener. The cost of the Blue plan is $600 per year. These prices are comparable to those of other home warranty companies, such as Landmark Home Warranty and Select Home Warranty.

Don’t forget to add to your home warranty items that are not included in any of the plans, but are available under the optional coverage. These are a pool and hot tub, septic system, well pump and built-in sump pump, central vacuum, stand-alone freezer, icemaker and wine cooler, and many more. These items are priced separately. There is a service call fee of $65 per item that cannot be combined.

Please keep in mind that any American Home Guard warranty plan will be automatically renewed unless canceled. This is a standard practice in the industry. You can cancel the contract with a $75 cancellation fee. To get a free quote, please click on the green button or give them a call at 808-800-2433.

One of the most important things to know about your home warranty is the coverage. Which items do an American Home Guard warranty cover and which are not covered? To answer this question for you, we collected all of the relevant information in this American Home Guard review. Before you continue to read, look around the house and consider which home systems and appliances you want to be covered. Then come back and decide if this company can provide sufficient home warranty coverage for your needs. American Home Guard home warranty may provide coverage for the following items:

Air Conditioning

American Home Guard will cover the primary floor air conditioning unit of your home only, provided that the air conditioning unit does not exceed a 5-ton capacity. Parts such as motor, compressor, condenser, or thermostat in need of repair or replacement will also be covered by this home warranty. Parts that are not crucial to the operation of the air conditioning unit, such as air filters, grills, stands, etc., will not be covered.

Heating System

American Home Guard covers only the essential parts of your primary heating system—all modules, components, and parts of the heating framework important to its functionality. The heating system capacity should not exceed a 5-ton limit. Any minor parts, such as pipes, valves, timekeepers, and such, are not covered, and this is standard practice in the industry. Solar heating systems or zone systems are not covered under American Home Guard warranty.

For both heating and air conditioning systems, the coverage is capped at $500 for the first three months of the contract. The cap is raised to $2000 after this period, which is higher than the industry average.

Electrical System

American Home Guard will cover repair and replacement all major parts of the electrical system. You should keep in mind that in case the damage is caused by natural sources, such as flood, lightning, hurricane, and such, it does not fall under home warranty coverage. This is an industry standard.

Alarm equipment, doorbells, and fixtures are also not covered under the regular plans by most home warranty companies, including American Home Guard. However, the company offers optional coverage for these items that can be added to any plan for an additional price per item. For the ceiling fans, the company covers all modules, components, and parts necessary to its functionality.

Plumbing System

American Home Guard will cover any repairs or replacements of can bowls, latrine tanks, and all accompanying pipes. Any spills in water, deplete, waste or vent lines that happened because of solidifying, or from the damage caused by roots will not be covered.

For both electrical and plumbing systems, as well as appliances, the repair or replacement coverage is capped at $150 for the first three months of the contract. This repair/replacement allowance will increase to $500 per contract term after the first three months of coverage.

Home Appliances

The following home appliances will be covered under the American Home Guard warranty plan: washer and dryer, refrigerator, water heater, built-in microwave, dishwasher, oven/range/stove top, and garbage disposal. All modules, components, and parts crucial to the functionality of these appliances are covered up to $150 for the first three months. After that period, the coverage will increase up to $500.

There are optional items that can be added to any of the American Home Guard plans. These include swimming pool and hot tub, septic system, well pump, sump pump, and a limited number of home appliances. Additionally, American Home Guard offers coverage for limited roof leaks, lawn sprinkler system, and fountains. You can also subscribe to a lawn care package with this company.

For additional coverage options, the coverage is capped at $150 for the first three months of the contract. It will increase to $400 after the first three months of the contract. In the event a part is not available, American Home Guard's obligation shall be to reimburse for the value of the part up to the policy limits.