American Residential Warranty Review

Protecting major home systems, appliances, and even your electronics

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American Residential Warranty

American Residential Warranty

overall rating
4.8

With six plans to choose from, American Residential Warranty has the right plan at the right price to meet your home warranty needs.

  • Pros & Cons
  • Key Takeaways
  • Company Overview
Pros & Cons
Pros
  • Provides optional coverage for electronics

  • Discounted prices available for new and returning customers

  • Can choose your own service technician

Cons
  • Does not allow you to create your own combo plan

  • Does not provide much repair/replacement coverage for items over 10 years old

Key Takeaways
  • The company has a low trade service fee compared to others in the industry.
  • You can use your own service technician as long as you get prior approval.
  • Provides a comprehensive electronics plan.
Company Overview

American Residential Warranty is a home warranty company that was established in 2009 with its headquarters located in Boca Raton, Florida. To serve its customers better, the company partners with other warranty companies, such as AIG Warranty, Asurion, Lowe’s, GE Appliances, and ADT, to provide appliance replacements, cost-effective replacement parts, and discounts on services like home monitoring and alarm systems.

  • Year Founded 2009
  • Available Plans Six
  • Amount of Coverage Up to $5,000 per 12 months of coverage
  • Length of Contract 12 months
  • Average Yearly Cost $600
  • Network Network of service providers, but you may also choose your own service technician
  • Customer Support By phone 24/7
  • Customer Support Phone Number 877-637-7890
  • Recall Period After Repairs 30 days on labor; 60 days on parts
  • Days Before Coverage Starts 30-day waiting period
  • Website www.americanresidentialwarranty.com

American Residential Warranty is a national warranty plan company that offers a selection of six warranty options for customers to choose from. These plans help cover the costs for repairs or replacements of major home systems and appliances. The company also offers additional coverage for items such as electronics, pools/spas, and well pumps.

As part of our review process, we took a look at American Residential Warranty’s pricing structure and plan coverage as a way to help you understand the types of protection you can get for the money. Read on to see our review of American Residential Warranty and find out if they have the right home warranty plan for you.

Available Plans

American Residential Warranty offers four regular plans plus two bundle options for a total of six plans and has a trade service fee (TSF) of $55 per claim for each visit. Bundle plans provide the same coverage as the Platinum Premier plan but allow you to add additional coverage for electronics or water/sewer lines. These items are also offered separately as part of the optional coverage, but when you purchase a 4-in-1 bundle or a 3-in-1 bundle, you receive a discounted price on these selections.

Home warranty plans are available nationwide. When a claim is made by a customer in California, Virginia, Texas, or Iowa, however, the claim is handled by AIG Warranty, a division of American International Group, Inc.

American Residential Warranty Platinum Premier Platinum Heating & Cooling Kitchen Plus
Built-In Microwave  
Ceiling Fan      
Central Air Conditioning  
Central Home  
Heating        
Dishwasher  
Ductwork      
Garage Door Opener      
Garbage Disposal  
Humidifier  
Interior Electrical System
Kitchen Exhaust Fan  
Plumbing Stoppages (Fixtures Not Included)      
Plumbing System (Fixtures Not Included)      
Range/Oven/Cooktop  
Refrigerator

(Including Ice Maker)

(Not Including Ice Maker)

 

(Not Including Ice Maker)

Water Heater  

Optional Coverage

Optional coverage allows you to purchase additional coverage for items that are not included in your regular plan for an additional monthly cost.

Optional Coverage Price
Washer & Dryer $9.99
Freezer $6.99
Ice Maker $6.99
Additional Oven/Cooktop $6.99
Additional Water Heater $6.99
Food Spoilage $4.99
Additional Refrigerator $6.99
Ceiling Fans $7.99
Heating $14.99
Sewer Line $9.99
Well Pump $14.99
Water Line $7.99
Pool $13.99
Spa $13.99
Pool & Spa $23.99

Ultimate Electronic Protection

  • Desktops/Laptops

  • Tablets

  • Gaming Consoles

  • Hand-Held Gaming Devices

  • Routers

  • Printers

  • DVD/Blu-Ray Players

  • External Hard Drives

  • Flat Screen TVs

  • Home Theater System

  • And Much More

$24.99

The TSF per visit for American Residential Warranty is significantly lower than most companies and is below the industry standard of $75 per visit.

Plan Pricing

American Residential Warranty offers four regular plans plus two bundle plans, allowing you to cover just your appliances, only major home systems, or a combination of all of your major home systems and appliances. You can also choose a plan and add optional coverage as needed. Getting a quote is easy, and the prices for each plan are right on the page.

  Platinum Premier Platinum Heating & Cooling Kitchen Plus 4 In 1 Bundle* Lines 3 In 1 Bundle**
Annual Monthly Cost (with a/c) $59.99 $49.99 $39.99 $34.99 $124.99 $109.99
Annual Monthly Cost (without a/c) $49.99 $39.99 N/A $34.99 N/A N/A

*Includes Platinum Premier, Deluxe Advantage, Sewer & Water

**Includes Platinum Premier, Deluxe Advantage, Ultimate Electronics Protection

Plan Exclusions

While American Residential Warranty covers breakdowns for appliances and major home systems, there are quite a lot of exclusions, and they do not cover many smaller issues such as broken springs, doorknobs, or handles. This is normal for most warranty plans, but you should read your policy closely to ensure there are no hidden surprises if you need to make a claim.

One thing to note is that ice makers for refrigerators are included with the company’s Platinum Premier plan, but not with the other plans. You can also adjust your cost on some plans by not covering your air conditioning system. 

Tip

Read over plan exclusions to ensure you understand your coverage before you need to file a claim.

Payout Caps

Payout caps vary depending on the system or appliance. It is important to note that the age of your appliance or system will determine the payout cap. As an example, if a system or appliance is over 10 years old, the limited payout amount is only $300. This amount does increase by $50 for each full year the customer has been in the program, however, for up to a maximum amount of $500. The payout cap for overall repairs and/or replacements is $5,000 per 12-month period.

Repair Times

Once you have called and filed a claim, you can usually expect service within 48 hours. Unlike some home warranty companies, American Residential Warranty allows you to use your own service provider as long as you receive the authority to do so before a repair attempt is made.

Customer Service and Claims

American Residential Warranty requires customers to call for service, and they are available 24/7 to receive your calls. They do not provide a way for you to make a claim online, however. Also, unlike some companies, you are required to pay the trade service fee prior to the scheduling for service. Customers may use a credit or debit card to do this. 

Warning

Call to get prior approval before calling in your own service technician to make repairs. 

Complaints and Third-Party Assessments

American Residential Warranty has an A+ Rating with the Better Business Bureau. This rating is considered better than average when compared to the industry standard. They have had 56 complaints filed in the last three years. The majority of complaints filed against the company appear to center on slow response times for both repairs and when a customer wishes to cancel their contract. To their credit, American Residential Warranty does respond to complaints made against them and appears to address these kinds of issues when they arise.

Competition: American Home Shield vs. American Residential Warranty

We compared American Home Shield and American Residential Warranty because both offer four plans to choose from. Each has its own appliance plan and a major home system plan that are comparable in both coverage and price. They both offer combination plans, as well.

American Residential Warranty has two combination plans to choose from, but the company determines which items are covered. In comparison, American Home Shield allows you to create your own plan, where you can choose which items you prefer to have covered.

The difference between these two companies becomes more apparent when you look at the two additional plans that American Residential Warranty offers in the form of bundle plans. These plans give you premium coverage, but also add on some of the optional items as part of the bundle, so you can choose coverage to protect your water/sewer system or your electronics.

The factor that puts American Residential Warranty over the top when choosing between the two companies, however, is the low $55 trade service fee. American Home Shield doesn’t even come close in this regard, since the lowest they offer is $75, and if you want a cheaper monthly price, you will need to choose a higher service fee of either $100 or $125 to match the American Residential Warranty’s lower price.

  American Home Shield American Residential Warranty
Cost $600 $600
Number of Plans Available Four regular plans + two bundle plans Four plans
Support 24-hour call center 24-hour online claim system
Trade Service Fee $55 $75 / $100 / $125
National Availability Available nationwide Available in 49 states
Verdict

Although there are companies out there with cheaper monthly rates, American Residential Warranty has one of the lowest trade service fees we’ve seen. When you consider that along with their comprehensive electronics coverage (which is uncommon in the home warranty industry), and their A+ BBB rating, you may find their home warranty plans are just the type of coverage you want for your home.

How We Review Home Warranties

When reviewing a company’s home warranty plan, we not only look at what you will pay each month, we look at your overall costs, including service fees, the price for additional coverage, and more. In addition, we look at what types of exclusions you can expect, complaints their company may have received, and how they rate with overall customer satisfaction.

Learn more: Read our Home Warranty Review Methodology here.

Article Sources

Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. Better Business Bureau. "American Residential Warranty." Accessed August 8, 2020.