TotalProtect vs American Home Shield

By Kathleen McCoy | Advertiser Disclosure

If you’re looking for comprehensive home warranty coverage, consider two of the largest and most reputable home warranty companies in the industry—TotalProtect and American Home Shield. Before choosing one of these companies to protect your home, keep reading to compare plans, pricing, benefits, drawbacks, and customer reviews.

Available plans
Average cost
Service fees
Service recall period
Support
Availability
BBB rating
Years in business

Available plans

  • Appliances plan
  • Systems plan
  • Combo plan
  • Build your own plan

Average cost

$50–$60 per month

Service fees

$75, $100, or $125

Service recall period

30 days on parts and labor

Support

A 24/7 online system is open for claims

Availability

All states except Alaska

BBB rating

B

Years in business

49 years

Available plans

  • Appliances plan
  • Systems plan
  • Combo plan

Average cost

$35–$60 per month

Service fees

$100–$125

Service recall period

180 days

Support

24/7 claims department

Availability

Nationwide

BBB rating

A-

Years in business

42 years

*The TotalProtect corporate entity is now known as Homesure of America.

TotalProtect vs. American Home Shield coverage comparison

Before deciding between TotalProtect and American Home Shield, take inventory of your home systems and appliances to determine what items need coverage. Include auxiliary items like pools and spas, wells, septic systems, and other custom features for the most comprehensive coverage.

Take a look at what’s covered under a TotalProtect and American Home Shield plan:

TotalProtect coverage

TotalProtect offers coverage for the following major systems and appliances:

Systems Appliances Optional coverage
Air conditioning (two units) Refrigerator Pool
Heating (two units) Dishwasher Spa
Electrical Clothes washer
Plumbing Clothes dryer
Plumbing lines Range/Oven/Cooktop
Plumbing stoppages Built-in microwave oven
Whirlpool bathtub Trash compactor
Water heaters Garage door opener
Central vacuums
Smoke detectors
Doorbells
Garbage disposal
Sump pump
Attic/whole-house fan
Main breaker/fuse panel
Interior electrical lines
Interior gas line

American Home Shield coverage

American Home Shield provides comprehensive protection for the following home items:

Systems Appliances Optional coverage
Air conditioning Refrigerator Electronic extended warranty
Heating Range/Oven/Cooktop Pool and spa
Ductwork Clothes washer Well pump
Electrical Clothes dryer Septic pump
Plumbing + stoppages Dishwasher Guest unit under 750 square feet
Doorbells Built-in microwave oven
Water heater Trash compactor
Smoke detectors Freestanding ice maker
Ceiling fans Garage door opener
Instant hot/cold water dispenser Built-in food center
Central vacuum
Re-key
Garbage disposal

TotalProtect vs. American Home Shield cost

Comprehensive home warranty plans are priced based on the following factors:

  • Where you live
  • Square footage of your home
  • Type of coverage chosen
  • Service fee selected (note: the higher the service fee, the lower the annual cost)

Both American Home Shield and TotalProtect offer comprehensive home warranty plans to ensure that your chosen home appliances and systems are covered—and both offer free quotes, so you know exactly what you’ll be paying annually for coverage.

Here’s a rough breakdown of TotalProtect vs. American Home Shield costs: 

TotalProtect American Home Shield
Annual plan cost $528–$708 $600–$720
Monthly premiums $44–$59 $50–$60
Service fees $100 $75, $100, or $125

How does each home warranty work?

Once you’ve chosen the home warranty plan that’s best for your budget and needs, the process for submitting claims is very similar. Both American Home Shield and TotalProtect offer 24/7/365 claims service either by phone or online.

Once your claim is filed, customer service will provide you with the service company’s name, phone number, your service fee or deductible needed, and when you can expect service for your appliance or home system. 

After your service is scheduled, your technician will evaluate the problem and determine if a repair or replacement for the covered item is the best option for the appliance or system. The service fee is typically paid at the time of service, directly to the technician. Both TotalProtect and American Home Shield offer replacement of appliances that are beyond repair. Be sure to read the policy carefully to understand the limitations and exclusions.

Policy differences

If you’re still debating between TotalProtect and American Home Shield, let’s take a look at the differences in coverage policies. This chart does not replace an independent evaluation of contracts and plans, so carefully review any contract before you sign.

  TotalProtect American Home Shield
Annual aggregate caps None Per policy
Appliance annual cap $3,000 $3,000
Systems annual cap $1,000 $1,500
Waiting period 30 days 30 days

Our conclusion

Both TotalProtect and American Home Shield have their benefits and drawbacks. TotalProtect is slightly more affordable, but American Home Shield provides more comprehensive coverage for your home systems and appliances.

American Home Shield may be a good option for:

  • Homes with guest houses (extended coverage is available for these units)
  • People who want to pick and choose which items they want to be covered
  • Those who want to select their own service fee

TotalProtect may be a good option for:

  • Older homes that have pre-existing conditions
  • Homes with multiple heating or air conditioning systems, as up to two units, are covered under the standard plan
  • Homes with whirlpool bathtubs

  • Provides four plans, including a Build-Your-Own plan that allows you to customize coverage
  • Has more than 45 years of industry experience
  • Offers 24/7 customer service

  • Coverage for unknown pre-existing conditions
  • Has a network of 40,000 pre-screened service technicians
  • Offers a 180-day workmanship guarantee on covered repairs

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