What Does American Home Shield Cover: A Comprehensive Guide

American Home Shield is a home warranty company that provides coverage for home systems and appliances.

Homeowners may choose from various plans that offer different levels of coverage, depending on their needs and budget. However, it’s important to know what exactly American Home Shield covers before purchasing a plan.

American Home Shield covers major components of home systems and appliances that break down over time due to normal wear and tear, undetectable pre-existing conditions, or breakdowns caused by a lack of maintenance.

The company also covers malfunctions due to rust or corrosion. However, it’s important to note that American Home Shield only covers items that are in good working condition at the start of the contract. Any pre-existing conditions or defects may not be covered.

American Home Shield Plans

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American Home Shield offers three different home warranty plans, each with varying levels of coverage and pricing options to suit the needs and budget of every homeowner. These plans are ShieldSilver, ShieldGold, and ShieldPlatinum.

ShieldSilver Plan

The ShieldSilver plan is the most affordable option and covers parts of 14 major systems that keep your home running. This includes heating and air conditioning systems, electrical systems, and plumbing systems.

The plan also covers appliances such as refrigerators, dishwashers, and ovens. The contract covers the repair or replacement of covered items, subject to the coverage limit and contract terms.

ShieldGold Plan

The ShieldGold plan offers more comprehensive coverage than the ShieldSilver plan and includes everything covered under the ShieldSilver plan, plus additional coverage for electronics such as TVs, computers, and gaming consoles.

The plan also covers more appliances, such as washing machines, dryers, and garage door openers. The contract covers the repair or replacement of covered items, subject to the coverage limit and contract terms.

ShieldPlatinum Plan

The ShieldPlatinum plan is the most comprehensive plan and includes everything covered under the ShieldGold plan, plus additional coverage for home systems such as plumbing stoppages, built-in whirlpool bathtubs, and central vacuum systems.

The plan also covers more appliances, such as trash compactors, instant hot water dispensers, and wine refrigerators. The contract covers the repair or replacement of covered items, subject to the coverage limit and contract terms.

American Home Shield offers flexible pricing options for each plan, with different coverage options and limits available. Homeowners can choose the plan that best fits their budget and coverage needs.

Covered Items and Systems

When it comes to home warranties, American Home Shield (AHS) is one of the most popular providers. Their coverage includes a variety of appliances and home systems. Below are the details of what AHS covers.

Appliances

AHS covers a wide range of major appliances, including refrigerators, laundry appliances, and more. The coverage includes the repair or replacement of the covered item due to normal wear and tear. Routine maintenance is not covered.

Home Systems

As per Value Penguin, AHS also covers major home systems, including HVAC, electrical systems, plumbing systems, and ductwork. Coverage includes the repair or replacement of the covered item due to normal wear and tear. Routine maintenance is not covered.

Additional Items

AHS also covers additional items such as ceiling fans, garage door openers, and doorbells. Coverage includes the repair or replacement of the covered item due to normal wear and tear.

It’s important to note that coverage limits and exclusions may apply. For example, AHS will only cover the repair or replacement of a water heater if it is less than 10 years old. Additionally, coverage limits may vary depending on the plan selected.

Overall, AHS provides coverage for a variety of appliances and home systems. It’s important to review the specific coverage details to ensure that you have the coverage you need.

Exclusions and Limitations

While American Home Shield offers comprehensive coverage for a wide range of appliances and home systems, there are certain exclusions and limitations to be aware of. It is important to carefully review the plan agreement to fully understand what is and is not covered.

Coverage Limits

American Home Shield has coverage limits for certain items, which means that the company will only pay up to a certain amount for repairs or replacements.

As per US News, for example, the coverage limit for a refrigerator may be $3,000, which means that if the cost of repair or replacement exceeds this amount, the homeowner will be responsible for paying the difference.

Pre-Existing Conditions

American Home Shield does not cover pre-existing conditions, which are defined as issues that existed prior to the start of the coverage period. If a covered item has a pre-existing condition, the homeowner will be responsible for paying for the repair or replacement.

Limitations and Exclusions

There are certain limitations and exclusions to American Home Shield’s coverage. For example, the company does not cover damage caused by natural disasters, such as floods or earthquakes.

Additionally, certain items may not be covered under the plan, such as outdoor equipment or items that are not properly installed or maintained.

It is important to note that American Home Shield has a service fee for each service request, which ranges from $75 to $125 depending on the plan. This fee is separate from the cost of repair or replacement and is the responsibility of the homeowner.

Overall, while American Home Shield offers comprehensive coverage for many appliances and home systems, it is important to carefully review the plan agreement to fully understand the coverage limits, exclusions, and limitations.

Cost and Fees

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American Home Shield offers a range of home warranty plans with varying levels of coverage and costs. The cost of a home warranty plan depends on several factors, such as the level of coverage needed and the type of plan chosen.

On average, home warranties cost from $500 to $700 per year, in payments of between $40 and $60 per month.

When purchasing a home warranty plan from American Home Shield, customers can select a service fee of either $100 or $125 plus sales tax where applicable. This service fee is paid each time a service request is made.

Industry-standard service fees range from $75 to $125. The service fee amount selected by customers will impact the overall cost of the plan.

It is important to note that American Home Shield has a coverage cap, which is the maximum amount the company will pay for repairs or replacements on covered items. The coverage cap varies depending on the plan chosen and the specific item being repaired or replaced. Customers should review their plan details carefully to understand their coverage limits.

In addition to the cost of the plan and service fee, customers should also consider the replacement cost of items covered by the plan.

American Home Shield covers the repair or replacement of covered items, but the company will not cover the full replacement cost if the item is beyond repair. Customers should review their plan details to understand the coverage for replacement costs.

Overall, American Home Shield’s home warranty plans offer a range of coverage options at competitive prices.

Customers should carefully review their plan details and consider the cost of the plan, service fee, coverage cap, and replacement cost when selecting a plan that best meets their needs.

What Is the Benefit of American Home Shield?

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American Home Shield offers several benefits for homeowners, providing peace of mind and financial protection against unexpected home system and appliance breakdowns.

One of the key benefits is the comprehensive coverage it offers for a wide range of home systems and appliances, including air conditioning, heating, electrical, plumbing, kitchen appliances, and more.

This coverage can save homeowners from incurring hefty out-of-pocket expenses for repairs or replacements.

Another advantage of American Home Shield is the convenience it provides in terms of managing home maintenance and repairs.

Homeowners can simply contact American Home Shield when a covered item breaks down, and the company will arrange for a qualified service contractor to diagnose and repair the issue. This can save homeowners time and effort in finding reliable contractors and scheduling repairs on their own.

Additionally, American Home Shield can help homeowners budget for home maintenance costs by offering predictable monthly or annual service fees, rather than facing unpredictable and potentially high expenses for unexpected breakdowns.

This can provide financial stability and alleviate the stress of dealing with sudden, costly repairs.

Overall, American Home Shield offers the benefit of protecting homeowners from the financial burden and inconvenience of unexpected home system and appliance failures, allowing them to enjoy their homes with greater peace of mind.

In Closing

American Home Shield offers a comprehensive home warranty plan that covers a wide range of home systems and appliances.

The plan includes coverage for items that break down over time due to normal wear and tear, undetectable, pre-existing conditions, or breakdowns caused by a lack of maintenance, and malfunctions due to rust or corrosion.

American Home Shield’s coverage includes many items that are not typically covered by homeowners’ insurance policies, such as air conditioning systems, electrical systems, and plumbing systems.

The company’s coverage also includes many kitchen and laundry appliances, such as refrigerators, ovens, and washing machines.

It is important to note that American Home Shield does not cover everything. For example, the company’s coverage does not include roof leak repair coverage.

Additionally, the cost of the home warranty plan varies depending on the level of coverage selected. Customers can save money by selecting a plan with a higher deductible or by choosing a plan that covers only certain items.

If a customer has a guest unit or guest house on their property, they may be able to add coverage for these items to their home warranty plan for an additional fee. Customers should contact American Home Shield for more information on adding coverage for these items.

Overall, American Home Shield is a reliable and knowledgeable provider of home warranty plans. With their comprehensive coverage and competitive pricing, they are a great choice for homeowners looking for peace of mind and protection against unexpected home repairs.