One Guard Home Warranty Review

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OneGuard Home Warranty
Investopedia’s Rating
4.2

Our Take

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
  • specifications
Pros & Cons
Pros
  • Offers home maintenance as part of their plans

  • Covers pre-existing conditions

  • Customizable coverage

Cons
  • Only available in three states

  • Can’t use own contractor

specifications
Website
https://www.oneguardhomewarranty.com/
Year Founded
1979
Average Annual Cost
$549
Service Fees
$75
Response Time
4 hours
Payout Cap
$5,000 per item
Coverage Area
AZ, TX, NV
Out of Network Technician
No
Pricing Available Online
Yes
Sample Contract Available
Yes
Waiting Period
No
Why Trust Us Investopedia collected key data points from several home warranty providers to identify the most important factors to customers. We used this data to review each provider for cost, availability, coverage options, and other features to provide unbiased, comprehensive reviews to ensure our readers make the right decision for their needs. Read our Full Methodology
38 Providers reviewed
35 Criteria considered
875 Data points analyzed
59 Primary data sources used

Company Overview

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.

States Covered

OneGuard offers plan coverage in the following states:

  • Arizona
  • Nevada
  • Texas

Available Plans

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:

System/Item ApplianceGuard SystemGuard HomeGuard
Kitchen appliances
Kitchen Refrigerator w/ Ice Maker & Dispenser
Dishwasher
Range/Oven/Cooktop
Built-In Microwave
Garbage Disposal
Instant Hot Water Dispenser
Trash Compactor
Washer and Dryer
Air Conditioning System
Heating System
Plumbing system
Plumbing Stoppages
Water Heater
Electrical system
Ceiling and Exhaust Fans
Central vacuum
Smoke detectors
Door bells
Garage door opener
Permits and Code Upgrades
Equipment Disposal
A/C and Heating System Tune-Ups
Garage Door Tune-up Service
Re-Key and Garage Remote Reprogram
Carpet cleaning
Window cleaning
Dryer vent cleaning
Pest control

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. 

Plan Pricing

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

Plan Exclusions

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:

System Coverage limit
Air conditioner and heating system $1,500
Ductwork (leaks) $1,000
Built-in pool/spa equipment $1,000
Kitchen refrigerator $2,500
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. 

Verdict

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.

OneGuard FAQs

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. 

Methodology

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.

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. OneGuard. "Top Customer Service Among Home Warranty Companies."