If you’re a homeowner, unexpected costs aren’t so unexpected — especially when it comes to repairing and replacing your systems and appliances. Things can always go wrong, and they often do, whether it’s your plumbing or your refrigerator. 

Home warranty services exist to safeguard your finances from unplanned expenses when your systems and appliances break down from everyday wear and tear. A good home warranty plan can give you peace of mind when things malfunction.

We’ve reviewed the best home warranty providers by looking at their fees, claims processes, plans and fine print. HomeGuard HomeWarranty has been in business nearly 20 years and protects homeowners in California, Nevada, and Arizona.

HomeGuard Home Warranty
Not Recommended
BBB Rating:
A+
Monthly Cost:
$28–$48
Service Fee:
N/A
Coverage Limit:
Varies

While this company is an option for homeowners in those three states, American Home Shield is a good option for those who live elsewhere.

Keep reading to see what we learned about HomeGuard and whether American Home Shield is a better fit.

Our Preferred Home Warranty Alternatives

Today’s Homeowner recommends a few home warranty companies to our readers. Below, you’ll see our latest suggestions and their money-saving deals. You can also read our review of the companies with similar home warranty plans to learn more about these top picks.

Best Coverage Limits
AHS Logo
VISIT SITE
Limited Time:
40% Off Our Most Popular Plan
Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Customer Ratings
VISIT SITE
Limited Time:
$150 Off + 1 Month Free
Best Claims Acceptance
choice home warranty logo
VISIT SITE
Limited Time:
$50 Off + 1 month free!

HomeGuard Overview

While HomeGuard HomeWarranty’s coverage area is limited, its focus on just three states gives it precise knowledge of the weather conditions and seasons. The company can tailor its coverage to local customers’ needs and provide trusted local contractors for services and repairs. 


HomeGuard HomeWarranty Coverage

Man repairing dishwasher. Male hand with screwdriver installs kitchen appliances, close up
Photo Credit: Shutterstock © Lazy_Bear

HomeGuard HomeWarranty offers different plans for homeowners in Arizona, Nevada, and California. 

Arizona and Nevada Plans

Systems, Appliances and Extra Features3 Star (Nevada Only)4 Star5 Star 
Central air conditioning
Mini split
No hidden freon charges
Crane, permits, code upgrades, haul away 
Improper installation, repairs or modifications 
Mismatched systems 
Dishwasher
Trash compactor
Kitchen exhaust fan 
Oven/range/cooktop
Built-in microwave
Garbage disposal
Instant hot/cold water dispenser
Water heater
Plumbing system leaks
Plumbing stoppages
Electrical system
Garage door opener 
Central vacuum 
Pest control
Re-key service
Ductwork
Service call guarantee
Limited roof leak (Nevada only)
Manufacturer warranty  
$250 supplemental blanket coverage  
Code/modification upgrade  
Stoppage coverage  
Water heater/heating system coverage  
Additional plumbing  
Radiant heat upgrade  
Enhanced slab leak and additional pipe leak Coverage  
Washer/dryer/refrigerator   

HomeGuard also has a long list of additional add-ons, including limited roof leaks in Arizona, washers and dryers, well pumps and pools, to name a few.

California Plans

Systems, Appliances and FeaturesStandard PlanAdvantage PlanTotal Protection Plan 
Re-key
Dishwasher
Range/oven/cooktop/built-in microwave
Garbage disposal
Trash compactor
Instant hot water dispenser
Heating system
Plumbing system and stoppages
Electrical system
Central vacuum system
Garage door opener
Ceiling, attic and exhaust fans
Water heater
Pest control
Telephone wiring
Doorbells
Smoke detectors
Limited roof leak coverage
Improper installations and repairs 
Mismatched systems 
Crane 
Limited code upgrade/modification 
Permits 
Lack of maintenance 
Refrigerant recapture, reclaim and disposal  
Disposal of defective equipment 
Ice makers  
Swamp cooler pre-season tune-up  
Supplemental blanket coverage  
Zone control coverage  
Code/modification upgrade  
Stoppage coverage  
Toilet replacement  
Water heater/cooling system coverage  
Plumbing coverage  
Radiant heat upgrade  
Enhanced slab leak and additional pipe leak coverage   
Best Coverage Limits
AHS Logo
VISIT SITE
Limited Time:
40% Off Our Most Popular Plan
Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Customer Ratings
VISIT SITE
Limited Time:
$150 Off + 1 Month Free
Best Claims Acceptance
choice home warranty logo
VISIT SITE
Limited Time:
$50 Off + 1 month free!

HomeGuard Costs

In Arizona, the 4 Star Plan is $420 per year for a single-family home, and the 5 Star Plan is $510.

In California, the Standard Coverage Plan for a single-family home is $335, the Advantage Plan is $485 and the Total Protection Plan is $585.

In Nevada, the 3 Star Plan for a single-family home is $365, the 4 Star Plan is $470 and the 5 Star Plan is $585. 


Quotes and Claims

You can view sample contracts and order a HomeGuard protection plan online. However, beware that the plan requests billing information — there doesn’t seem to be a way to get an online quote. If you want a quote before providing billing information, we recommend contacting the company’s customer service.

Current customers can make a claim online or by phone.

Once you’ve had an appliance or system repaired, HomeGuard also guarantees the parts of that repair for 90 days and the labor for 30 days. This is a service many competitors don’t offer and gives customers some quality assurance. 


HomeGuard HomeWarranty Reviews

HomeGuard is accredited by the Better Business Bureau (BBB) and holds an A+ rating. Out of 12 customer reviews, the company has only received a one-star rating. These customers complain of poor customer service, low-quality technicians and unhonored claims.

“While this company is an option for homeowners in those three states, American Home Shield is a good option for those who live elsewhere. Keep reading to see what we learned about HomeGuard and whether American Home Shield is a better fit.”

Sarah C. on BBB, March 2020

“They look for any reason to deny your claim. The contractors they use are horrible. They were extremely limited on who they could send out and the company that did come took six visits to try and fix one problem, kept coming back with the wrong part and wasting my time.”

Daniel I. on BBB, October 2018

Assessment of HomeGuard HomeWarranty

Overall, the plans offered by HomeGuard HomeWarranty are comprehensive, offering unusual features like pest control. However, certain appliances that even basic home warranty plans cover aren’t included, such as the washer and dryer.

While the company has a high BBB rating, the customer reviews give us pause. The company tended to rank only two or three stars across other online reviews, as well. 

Today’s Homeowner Tips
When researching a company, always look carefully at its reviews from multiple sites. We recommend checking sites with strict rating and review criteria, like the BBB, first, then moving onto more broad review sites like Google My Business and Yelp.

If you live in Arizona, California or Nevada, we think it’s worth comparing HomeGuard HomeWarranty to a more widely used provider: American Home Shield.


Recommended Provider: American Home Shield 

American Home Shield was founded in 1971 and said to be the inventor of the home warranty industry. This BBB-accredited business holds a B rating and nearly three stars from customers. 

American Home Shield is a favorite because it offers extensive coverage and operates in all states except for Alaska. Its coverage comes in three plans, so every kind of homeowner is sure to find something that fits their needs and budget. 

Its base plan, the ShieldSilver Plan™, covers 14 major systems. The ShieldGold Plan™ covers the systems covered by the ShieldSilver Plan™ and adds coverage for appliances up to $2,000. The ShieldPlatinum Plan™ covers all 23 systems and appliances in the ShieldGold Plan™ and adds $1,500 of roof-leak coverage. It also increases the coverage limit on appliances to $4,000.

The claims process is simple, and American Home Shield says representatives respond to customer service requests within 24 hours 98% of the time. Homeowners can select a $75, $100 or $125 service fee per visit.

Best Coverage Limits
AHS Logo
VISIT SITE
Limited Time:
40% Off Our Most Popular Plan
Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Customer Ratings
VISIT SITE
Limited Time:
$150 Off + 1 Month Free
Best Claims Acceptance
choice home warranty logo
VISIT SITE
Limited Time:
$50 Off + 1 month free!

Reviews of Other Home Warranties

2-10 Home Buyers WarrantyAllied Home WarrantyAmazon Home Warranty
America’s Preferred Home WarrantyAmerican Home ShieldAmerican Residential Warranty
AWG Home Warranty DivisionChoice Home WarrantyCostco Home Warranty
Fidelity National Home WarrantyFirst American Home WarrantyFixd Home Warranty
Freedom Home WarrantyHMS Home WarrantyHome Service Club
Homeguard Home WarrantyHSA Home WarrantyHWA Home Warranty
Landmark Home WarrantyOneguard Home WarrantyPivotal Home Solutions
Pride Home WarrantyA.B. May Home WarrantyGlobal Home USA Home Warranty
Secure Home WarrantySelect Home WarrantySuper Home Warranty
Bosch Dishwasher WarrantyLennox AC WarrantySamsung Washer Warranty
Squaretrade Appliance WarrantyWhirlpool WarrantyHomeServe
Cinch Home ServicesLiberty Home Guard 365 Home Warranty testimonials

Editorial Contributors
avatar for Reviews Team

Reviews Team

The reviews team rates and reviews products and services to help our readers save time, find value and make better decisions. This team is independent from the Today’s Homeowner editorial staff.

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photo of Roxanne Downer

Roxanne Downer

Editor

Roxanne Downer is a commerce editor at Today’s Homeowner, where she tackles everything from foundation repair to solar panel installation. She brings more than 15 years of writing and editing experience to bear in her meticulous approach to ensuring accurate, up-to-date, and engaging content. She’s previously edited for outlets including MSN, Architectural Digest, and Better Homes & Gardens. An alumna of the University of Pennsylvania, Roxanne is now an Oklahoma homeowner, DIY enthusiast, and the proud parent of a playful pug.

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