America’s Preferred Home Warranty puts the power in the homeowner’s hands by allowing them to choose their own service contractor.
Based on our review of over a dozen home warranty companies, America's Preferred Home warranty was not one of the best companies we found. To see other options that may be better, visit our list of the best home warranty companies.
- Pros and Con
- Key Takeaways
- Company Overview
Ability to choose your own contractor
Offers hotel benefits if you’re required to leave your home to complete covered repairs
Since the contractor works for you, there is no guarantee on a payout from America’s Preferred Home Warranty
Large number of caps and payout limitations
Washer and dryer coverage not standard in plans
- Unlike other providers, America’s Preferred Home Warranty has a living expense benefit in the event you are unable to stay at home due to repairs.
- Choose from three different deductible options ($50, $100, or $125)
- Pick your own licensed contractor to do the repairs
America’s Preferred Home Warranty, founded in 1999, is headquartered in Jackson, Michigan, and offers home warranty coverage for single-family homes, condos, new construction, townhouses, and multi-family units for individuals. There also are plans for real estate professionals. America's Preferred Home Warranty lets you choose the licensed contractor you'll use for your repairs, one of the few companies to do so.
- Year founded 1999
- Coverage Nationwide
- Number of plans Two
- Coverage limit $25,000 maximum aggregate liability
- Contract length 12 months
- Payment options Check, money order, or credit card
- Cost $474.96 to $558.96 (not including optional coverage)
- Contractor network None (you choose your own licensed contractor)
- Customer service 24/7 customer hotline
- Waiting period 30 days
- Service recall period None
- Official website https://aphw.com/
Founded in 1999, America’s Preferred Home Warranty offers different warranty plans so that customers can make claims to repair or replace covered home appliances or systems.
To help you make an informed decision, we looked at plans, pricing, coverage limits, and the ability to choose your own contractor compared to other home warranty companies.
America's Preferred Home Warranty offers a standard plan with three different deductible options. You can also add many coverage options to the standard plan. The most notable of them is the preferred upgrade which gives you an extended range of parts and repairs not only on items in the standard plan but also in many items beyond the scope of the standard plan, such as dishwasher baskets, microwave linings, garage door opener keypads and transmitters, and coverage for the cost of a crane to install a new central air unit.
Each coverage plan offers different pricing tiers based on your deductible: $50, $100, or $125. America's Preferred Home Warranty's lowest deductible is lower than industry standards.
|Available Plans||Standard Coverage||With Preferred Upgrade|
|Central air conditioning||✓||✓|
|Attic & exhaust fans||✓||✓|
|Instant hot water dispenser||✓||✓|
|Trash compactor (built-in)||✓||✓|
|Garage door opener||✓||✓|
|Permanently installed sump pump||✓||✓|
|Roof leak repair||✓||✓|
|Water well pump||✓||✓|
|Built-in dishwasher (adds): racks, baskets, and rollers||✓|
|Central air (adds): refrigerant recovery, cost of crane, registers & grills||✓|
|Central heat (adds): registers, grills and heat lamps||✓|
|Garage door opener (adds): hinges, springs, keypads, and remote transmitters||✓|
|Refrigerator (adds): refrigerant recovery, control board, ice maker and ice/beverage dispenser||✓|
|Special electrical package: fire/burglar alarm, lighting fixtures, and doorbell||✓|
|Toilets (adds): replaced with like quality||✓|
|Trash compactor (adds): lock and key assembly, buckets||✓|
|Oven/range (adds): interior lining, clocks, rotisseries, racks, handles, knobs, and dials||✓|
|Water heater (adds): sediment buildup||✓|
|$250 towards code violations||✓|
There are optional upgrades which include water softener systems, jetted bathtubs, washer and dryer, pool, and spas.
|Pool/spa||$15.42 per month; $185.04 per year|
|Premium/saltwater pool/spa||$28.75 per month; $345 per year|
|Jetted bathtub||$10.42 per month; $125.04 per year|
|Clothes washer & dryer||$7.92 per month; $95.04 per year|
|Water softener||$7.92 per month; $95.04 per year|
Real Estate Plans
America’s Preferred Home Warranty offers real estate professionals a mobile app and website called Real-Pro®. This tool allows real estate professionals to purchase, maintain, manage, and renew multiple warranty contracts. Realtors or brokers can also get a quote using America’s Preferred Home Warranty's online form or by calling 800-648-5006.
America's Preferred Home Warranty offers different pricing plans depending on the deductible you choose—either $50, $100, or $125. The pricing is in line with other home warranty companies offering the same types of deductibles. Although the 30-day waiting period is in line with industry standards, the basic plan doesn’t offer washer and dryer coverage, which is often a standard coverage with many competitors.
|Standard Coverage ($50 Deductible)||$46.58 per month|
|Standard Coverage ($100 Deductible)||$44.42 per month|
|Standard Coverage ($125 Deductible)||$39.58 per month|
|Preferred Upgrade||$11.67 per month|
|Pool/spa||$15.42 per month|
|Premium/saltwater pool/spa||$28.75 per month|
|Jetted bathtub||$10.42 per month|
|Clothes washer and dryer||$7.92 per month|
|Water softener||$7.92 per month|
|Termite Control||$4.17 per month|
|Sprinkler System||$4.17 per month|
|Additional Refrigerators||$4.17 per month|
|Gas Fireplace||$4.17 per month|
There is a detailed list in America’s Preferred Home Warranty’s sample contract which outlines what is and isn’t included. Items not covered include outside or underground piping and service calls where no covered defects are found, in addition to other exclusions.
Policies have a long list of exclusions. Be sure to read through a sample policy prior to purchasing.
Payout Caps and Limitations
A payout cap is the maximum amount a home warranty pays for work being repaired or serviced—the rest you’ll need to pay out of pocket. There is a long list of payout caps and limitations for America’s Preferred Home Warranty. Overall, the policy’s maximum aggregate liability is $25,000, slightly higher than industry standards.
Here’s are some more specific limitations:
|Covered Item||Payout Cap|
|Commercial-like, Ultra-premium, or combination appliances||$1,000|
|Hot water or steam heating systems||$1,500|
|Air conditioning system||$2,250|
|Roof leak repair||$550|
|Concealed plumbing or enclosing wiring ductwork||$500|
|Washer and dryer, water well pump, and septic||$400|
|Special electrical package upgrade||$1,000|
|Preferred upgrade package||$200 more from base limit|
|Preferred upgrade package (toilet)||$200 per occurrence|
Policyholders can pick their own licensed contractor after approval from America’s Preferred Home Warranty. Once approved, you are responsible for calling the contractor to initiate and schedule repairs. The company doesn’t state how long it’ll take to get approval, but they will try to expedite the process in emergency situations.
Customer Service and Claims
There is 24/7 customer service support via email, the online contact form, or phone at 800-648-5006.
To start a claim, you’ll need to fill out an online form and receive a claim number. You are then responsible for calling a licensed contractor to diagnose the issue. Once the contractor is on-site, you need to call claims back to receive approval over the phone or you risk the claim being denied. If approved, the contractor can start work. Remember, there is no guarantee of coverage, so it is best to contact the company first with as much detail as possible to better your chances of getting a claim approved.
When shopping for home warranty plans, consider the flexibility and overall coverage you get for the price. Every company is different.
To help you compare home warranty providers, we chose American Home Shield since it offers policyholders nationwide coverage and choices between different trade service fees.
|American Home Shield||America’s Preferred Home Warranty|
|Monthly Cost||$39.99 - $58.33 (not including optional coverage)||$39.58 - $46.58 (not including optional coverage)|
|Plans Available||Three (with TSF options)||One (with deductible options)|
|Support||24-hour online claim system||Online, email, and phone|
|Trade Service Fee / Deductible||$75/$100/$125 (TSF)||$50/$100/$125 (Deductible)|
Although it seems like American Home Shield costs more, there are some advantages to choosing this company. One of those advantages is that with American Home Shield work is guaranteed for 30 days after competition.
Both home warranty companies offer similar payout caps and trade service fees, but given the work guarantee, American Home Shield is the overall winner.
Use America’s Preferred Home Warranty if you are a consumer who wants the ability to choose their own licensed contractors with more budget-friendly options by choosing a higher trade service fee. However, those who are uneasy about the fact that repairs aren’t guaranteed or don't want the responsibility for finding a reputable contractor should look elsewhere.
We use our home warranty review methodology to help readers pick the best plan by evaluating not only at the monthly cost, but the overall costs, including service fees, price of add-ons, and out-of-pocket costs. In addition, we also measure how they stack up to the competition in price, coverage options, and customer satisfaction.