Although its coverage caps are strict, American Residential Warranty offers a variety of plans and it maintains an A+ from the Better Business Bureau.
To become home warranty experts, the House Method team reviewed home warranty companies, like American Residential Warranty, and spent hours on the phone with representatives from each company to get all the details when it comes to warranty protection plans. We created this helpful guide for homeowners who are considering buying a home warranty.
Our review includes details about American Residential Warranty’s cost, coverage, claims process, and company details. Continue reading to compare it to other best home warranty companies.
American Residential Warranty costs range from $30 to $115 per month. Pricing depends on where your home is located and the level of coverage that you choose. Here’s the monthly cost breakdown per plan:
|Kitchen Plus||Heating & Cooling||Platinum||Platinum Premier||3-in-1 Bundle||4-in-1 Bundle|
American Residential Warranty is one of few home warranty companies that don’t require customers to submit their contact information to get a quote. You can compare plans and pricing online without receiving a sales call.
Every home warranty company charges customers a service fee each time their claim is approved. This money goes straight to the licensed technician who will complete your home repair service. Fortunately, American Residential Warranty’s service fee is $20 less than the industry standard. Customers will pay $55 per claim rather than $75.
|Kitchen Plus||Heating & Cooling||Platinum||Platinum Premier||Optional add-ons|
|Refrigerator||Central air conditioning||Central air conditioning||Central air conditioning||A/C Advantage|
|Range/oven/cooktop||Central home heating||Central home heating||Central home heating||Deluxe Advantage|
|Built-in microwave||Interior electrical system||Interior electrical system||Interior electrical system||Plumbing Advantage|
|Garbage disposal||Refrigerator||Refrigerator||External water and sewer lines|
|Kitchen exhaust fan||Range/oven/cooktop||Range/oven/cooktop||Well pump|
|Water heater||Dishwasher||Dishwasher||Water heater|
|Garbage disposal||Garbage disposal||Additional range/oven/cooktop|
|Kitchen exhaust fan||Kitchen exhaust fan||Additional air conditioner|
|Water heater||Water heater||Additional refrigerator or freezer|
|Plumbing system||Food spoilage|
|Plumbing stoppages||Ice maker|
|Garage door opener||Clothes washer and dryer|
|Refrigerator ice maker||Pool and spa|
|Ceiling fans||Ceiling fans|
|Washer and dryer|
American Residential Warranty also offers two types of bundles. Its 3-in-1 bundle includes Platinum Premier, Deluxe Advantage, and Ultimate Electronics Protection. Its 4-in-1 bundle includes Platinum Premier, Deluxe Advantage, Ultimate Electronics Protection, and Sewer and Water Lines. See details below.
Deluxe Advantage includes:
Ultimate Electronics Protection includes:
Sewer and Water Lines include:
Customers will get one year of home warranty coverage when they sign up at American Residential Warranty. It’s currently running a promotion for two months free, which means you’ll get 14 months of coverage for the price of 12.
American Residential Warranty’s plans, bundles, and optional add-ons are comprehensive. Unfortunately, our team did find one tiny loophole in its sample contract. The coverage cap of your home warranty repairs and replacements will depend on the age of your systems and appliances. Here’s what the sample contract includes:
“For appliances and systems over 10 years old, the 12-month limit of liability is $300. If the repair is over $300 or parts are not available to repair the equipment, a $300 replacement allowance will be paid to the customer. This allowance will increase by $50 for each full year the customer has been in the program up to a maximum of $500.”
“For Central Air Conditioning Systems or Central Home Heating Systems over 10 years old, the 12-month limit of liability is $600. If the repair is over $600 or parts are not available to repair the equipment, a $600 replacement allowance will be paid to the customer. This allowance will increase by $50 for each full year the customer has been in the program up to a maximum of $1,000.”
American Residential Warranty is the first and only company we’ve reviewed that has limitations regarding the age of items covered by HVAC warranties or other home appliance insurance. Other companies, such as Acclaimed Home Warranty and Platinum Home Warranty, set standard coverage caps regardless of an appliance’s age, and some—like Home Warranty Inc.—don’t even have coverage caps for most items.
Additionally, covered items must break due to normal wear and tear. Although, customers can purchase the Deluxe Advantage add-on to cover items that have been improperly installed or modified.
When something breaks, here’s what American Residential Warranty customers should do:
|Average Cost Per Month||$30–$115|
|State Availability||44 states|
|Contract Term||12 months|
|Time in Business||10 years|
|Better Business Bureau Rating||A+|
|Review last updated:||April 24, 2019|
American Residential Warranty aced the Better Business Bureau’s (BBB) test. It has an A+ rating right now. This rating is only given to a few other home warranty companies, including Fidelity National Home Warranty and Blue Ribbon Home Warranty.
The BBB takes the following into consideration:
ConsumerAffairs reviewed American Residential Warranty and gave it a nearly perfect star rating. Its 4.75-star rating is based on 446 customer reviews. The reviews site calls out that American Residential Warranty does have some strict coverage caps but its plans include many items that most home warranties don’t cover.
House Method gives American Residential Warranty 4 out of 5 stars. Here’s a looking into our scorecard:
American Residential Warranty does not have any reviews on its websites, but here are a few from the BBB.
I couldn’t be happier with all the different services and customer service offered by American Residential Warranty. As a homeowner, service calls and repairs can be expensive. With one phone call to ARW, my problem with my garbage disposal was not only addressed but replaced. My family and I have been satisfied customers of ARW for years. For a few dollars a month, money well spent for a piece of mind.
They scheduled a dishwasher repair quickly. When the first company said they had to delay service, ARW found a second company who came quickly and did a fine job. Not only do I appreciate the warranty, I also appreciate their work in finding and scheduling a good repair company.
I am very happy with American Residential Warranty. I recently filed a claim for my broken washing machine. The machine could not be repaired, so they bought me a new one. Customer service was prompt and efficient. I will definitely recommend this company to my friends and family.
American Residential Warranty is a good choice for you if…
Because American Residential isn’t offered through House Method, we wanted to provide you with a few alternatives that are just as great.
A home warranty company that offers homeowners six types of home protection plans that cost between $30 and $115 per month. American Residential Warranty has been in business for 10 years and has an A+ rating from the BBB. House Method gave it 4 out of 5 stars for its comprehensive coverage, highly reviewed customer service, and customer perks.
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