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OneGuard was established in 1990 by offering broad coverage for appliances and systems, and has expanded into offering home maintenance services. You can choose from plans ranging from protecting your systems, appliances, or both — the plan you choose will also include certain home maintenance tasks.
Applicants can receive an instant quote online, though coverage is only available for residents of Arizona, Nevada, and Texas. Here’s what else you need to know about OneGuard to help you make an informed decision.
- Pros & Cons
Offers home maintenance as part of their plans
Covers pre-existing conditions
Only available in three states
Can’t use own contractor
Founded in 1990 by several property managers, OneGuard claims to have created this company to help homeowners with the hassle of home maintenance and repairs. Headquartered in Phoenix, Arizona, the company relies on their network of local contractors to provide service to their customers.
OneGuard offers plan coverage in the following states:
OneGuard offers three types of plans: ApplianceGuard, SystemGuard, and HomeGuard. The first plan offers coverage for major appliances, the second major systems in the home, and the latter both appliances and systems. All plans include some maintenance tasks such as pest control and dryer vent cleaning.
Each plan offers a sample contract so you can see what’s covered and what’s not in your state of residence. None of these plans have a waiting period — coverage is in effect as soon as you purchase your home warranty plan.
The following table shows you in more detail what’s covered in each plan:
|Kitchen Refrigerator w/ Ice Maker & Dispenser||✓||✓|
|Instant Hot Water Dispenser||✓||✓|
|Washer and Dryer||✓||✓|
|Air Conditioning System||✓||✓|
|Ceiling and Exhaust Fans||✓||✓|
|Garage door opener||✓||✓|
|Permits and Code Upgrades||✓||✓|
|A/C and Heating System Tune-Ups||✓||✓|
|Garage Door Tune-up Service||✓||✓|
|Re-Key and Garage Remote Reprogram||✓||✓||✓|
|Dryer vent cleaning||✓||✓||✓|
Real Estate Plans
OneGuard offers different plans for real estate professionals and home sellers:
- Seller’s Coverage: This protection is similar to the homebuyer plan, except it offers protections for sellers up to six months of protection during their listing period.
- Certified Pre-Owned Home Program: Sellers who purchase this plan will have an mechanical inspection completed on the home in addition to having coverage for their comprehensive home warranty plan.
All OneGuard plans are competitively priced relative to other companies we reviewed — many home warranty companies don’t include home maintenance tasks, which is why OneGuard offers a competitive advantage. You’ll be able to see the pricing for their standard plans on OneGuard’s website, which is a good measure of transparency vs. having to call for pricing. Customers who need repairs or home maintenance services will need to pay a $75 service fee each time.
OneGuard offers annual contracts at the following prices:
- ApplianceGuard: starts at $30 per month
- SystemGuard: starts at $44 per month
- HomeGuard: starts at $56 per month
The average annual cost across all plans is $549.
The company offers the following add-on coverage:
- Guest house
- washer and dryer
- Additional refrigeration units (freestanding)
- HVA +C equipment incompatibility coverage
- Built-in pool or spa
- Salt water pool or spa
- Sprinkler system and timer
- Water softener and reverse osmosis filtration system
- Extended main line plumbing
- Additional pool pump or water feature
- Undetectable pre-existing conditions coverage
- Well Pump
Optional coverage add-ons vary by price and you should be able to see costs by getting a quote.
Types of Damage Covered
The following are some of the types of damage covered by OneGuard:
- Mechanical breakdown of covered systems and appliances
- Malfunctions due to normal wear tear
- Items with unknown pre-existing conditions
OneGuard excludes known pre-existing conditions from its coverage, which is relatively common. It’s important to purchase a home warranty coverage if you believe your systems and appliances are old and may start to experience issues.
Other items that OneGuard won’t cover include:
- Routine maintenance of appliances and equipment
- Failure of components or parts due to lack of maintenance or one that's recommended by the manufacturer
- Breakdowns that aren’t considered normal wear and tear such as misuse of appliances
- Acts of nature such as lightning, smoke, fire, hail, wind, and water damage
- Repairs of cosmetic defects
Home maintenance items covered in plans also have their individual exclusions — it’s best to check your contract for more details.
Payout Caps and Limitations
Home warranty plans typically have caps and limitations — OneGuard lists these in their sample contract and are on a per-appliance basis.
The following is a sampling of some of the coverage limits for OneGuard’s home warranty plans:
|Air conditioner and heating system||$1,500|
|Built-in pool/spa equipment||$1,000|
|Additional refrigerator coverage option||$1,000|
|Water softener/filtration system||$500|
Claim Response Time
OneGuard claims it’ll respond to your claim within four business hours, though it doesn’t offer how long their typical repair time with the company’s repair network will be. Homeowners can’t pick their own repair person.
Customer Service and Claims Process
OneGuard offers 24/7 support via live chat, email and their toll free customer hotline at 1- 888-896-0014. To file a claim, either call OneGuard or fill out a claims form online, and the company will reach out to you and dispatch a local contractor after you pay the service fee.
OneGuard vs. First American Home Warranty
Both OneGuard and First American Home Warranty offer 24/7 customer service and an internal network of contractors. Where these companies differ is in some of their offerings and nationwide availability.
|First American Home Warranty||OneGuard|
|Cost||$360 to $580||$360 to $672|
|# of Plans Available||Two||Three|
|Support||24/7 online or call center at 1-800-992-3400||24/7 online or call center at 1- 888-896-0014|
|Service Fee||$75 or $85||$75|
|States covered||35 States, including Arizona, Nevada, Texas||Arizona, Nevada, and Texas|
OneGuard vs. First American Home Warranty
OneGuard offers more value for their plans, since the pricing includes home maintenance tasks that First American Home Warranty doesn’t. Plus, it also offers more customization with their three plans and add-on optional coverage. Unfortunately, where OneGuard falls short is that it’s only available in three states, whereas First American offers coverage in 32 additional states.
OneGuard Home Warranty is a great choice for residents of Arizona, Nevada, and Texas who want coverage for their appliances and systems, as well as home maintenance services. Their competitively priced plans offer a high level of customization and the service fee is lower than many of their competitors. Unfortunately, you’re out of luck if you’re a homeowner who wants to choose their own contractor, or live outside of the three states mentioned above.
How much does the plan cost?
OneGuard Home Warranty plans cost around $360 to $672 depending on the type of coverage and any add-ons you choose.
What does the plan cover?
Depending on the plan, OneGuards provides coverage for certain appliances and systems due to wear and tear and mechanical breakdowns.
What does the plan not cover?
OneGuard lists several exclusions to their coverage in their sample contract, some of which include repairs of cosmetic defects, damage caused by acts of nature, and routine maintenance services.
How much is the service fee?
Homeowners will need to pay a $69 service fee.
Can you cancel the plan for free?
Yes, if you cancel the plan within 30 days. Otherwise, you could be charged $50 or 10% of the paid plan fees, whichever is less.
How do you file a claim?
Homeowners can file a claim with OneGuard through their online account.
What is the response time after filing a claim?
OneGuard claims there’ll be a response within four business hours.
There are several aspects to consider when evaluating a home warranty company and its coverages. To assist in your decision process, our methodology for reviewing home warranties includes a quantified scoring system that evaluates four major categories - total plan cost, coverage and support, customizability and transparency. Within those four major evaluation categories we look at 18 core features that include annual plan fees and service fees, claim response times, payout caps, states available, contract length range, customizable coverages, ability to use own repair person, free cancelation, plan pricing, plan exclusions and other plan provisions available online. We assign fractional score values ranging from 0.00 to 1.00 points for each feature and then weight those feature values according to subject matter expert advice and consumer survey importance ranking. We also compare features for each company to industry average values determined from our data collection for the top 25 home warranty providers. Third-party ratings and customer satisfaction scores are factored in to help assess a home warranty company’s overall quality, suitability and value.