As a homeowner, you want to protect your home from unexpected expenses that may arise due to repairs and maintenance. American Home Shield Insurance (AHS) is a company that provides home warranty plans to cover the cost of repairing or replacing major systems and appliances in your home.
What is American Home Shield Insurance?
American Home Shield Insurance was founded in 1971 and is one of the largest providers of home warranty plans in the United States. The company offers a range of plans that cover the cost of repairing or replacing major systems and appliances in your home, including heating and cooling systems, plumbing, electrical, kitchen appliances, and more.
The company has a network of over 15,000 licensed and qualified contractors and technicians who are available 24/7 to provide repair and replacement services to homeowners. AHS has served over 1.8 million customers and has paid out over $2 billion in claims since its inception.
How Does American Home Shield Insurance Work?
When you sign up for an AHS home warranty plan, you pay a monthly or annual fee that covers the cost of repairing or replacing covered items in your home. The cost of the plan depends on the level of coverage and the deductible you choose.
If a covered item in your home breaks down or stops working, you can file a claim with AHS. A technician will be dispatched to your home to diagnose the problem and provide a solution. If the item cannot be repaired, AHS will replace it with a similar item of equal or greater value.
There are some limits to the coverage provided by AHS. For example, the company does not cover pre-existing conditions or items that have been improperly maintained. Additionally, there may be certain exclusions and limitations in your plan that you need to be aware of.
What are the Benefits of American Home Shield Insurance?
There are many benefits to having an AHS home warranty plan, including:
Benefit |
Description |
Protection from unexpected expenses |
AHS covers the cost of repairing or replacing major systems and appliances in your home, which can save you thousands of dollars in unexpected expenses. |
24/7 availability |
AHS has a network of over 15,000 licensed and qualified contractors and technicians who are available 24/7 to provide repair and replacement services to homeowners. |
Convenience |
With an AHS home warranty plan, you don’t have to worry about finding a qualified contractor or technician to repair or replace a covered item in your home. |
Peace of mind |
Knowing that your major systems and appliances are covered by AHS can give you peace of mind and relieve stress. |
What are the Different Plans Offered by American Home Shield Insurance?
AHS offers three main plans:
ShieldSilver
This plan covers the cost of repairing or replacing 14 systems and appliances in your home, including your air conditioning, heating, plumbing, electrical, and kitchen appliances.
ShieldGold
This plan covers the cost of repairing or replacing 23 systems and appliances in your home, including everything covered by ShieldSilver plus additional items like your garbage disposal, ceiling fans, and garage door opener.
ShieldPlatinum
This plan covers the cost of repairing or replacing everything covered by ShieldSilver and ShieldGold, as well as your roof leak repairs and septic system.
How Much Does American Home Shield Insurance Cost?
The cost of an AHS home warranty plan depends on the level of coverage and the deductible you choose. The monthly or annual fee can range from $30 to $50 or more, depending on the plan you select.
You may also be required to pay a service fee or deductible when a technician visits your home to diagnose or repair a covered item. This fee can range from $75 to $125 or more, depending on your plan and the type of repair needed.
Is American Home Shield Insurance Right for You?
If you are a homeowner who wants to protect your major systems and appliances from unexpected expenses, an AHS home warranty plan may be right for you. However, it is important to carefully evaluate the cost and coverage of the plan to determine if it makes sense for your budget and needs.
You should also read the terms and conditions of the plan carefully to understand what is covered, what is excluded, and what limitations apply. If you have any questions or concerns, don’t hesitate to contact AHS customer service for more information.
FAQ
1. Can I choose my own contractor with an AHS home warranty plan?
No, AHS has a network of over 15,000 licensed and qualified contractors and technicians who are available 24/7 to provide repair and replacement services to homeowners. You must use one of these contractors when filing a claim.
2. What is the service fee or deductible for an AHS home warranty plan?
The service fee or deductible can range from $75 to $125 or more, depending on your plan and the type of repair needed. This fee is paid each time a technician visits your home to diagnose or repair a covered item.
3. Are pre-existing conditions covered by an AHS home warranty plan?
No, pre-existing conditions are not covered by an AHS home warranty plan. The company only covers items that are in good working condition at the time the plan is purchased.
4. What is the maximum amount of coverage provided by an AHS home warranty plan?
The maximum amount of coverage provided by an AHS home warranty plan varies depending on the plan and the type of repair or replacement needed. You should read the terms and conditions of your plan carefully to understand the coverage limits.
5. How long does an AHS home warranty plan last?
An AHS home warranty plan can last for one year or longer, depending on the plan you select. You can renew your plan each year to continue your coverage.
6. Can I cancel my AHS home warranty plan if I am not satisfied?
Yes, you can cancel your AHS home warranty plan at any time if you are not satisfied with the service. However, you may be required to pay a cancellation fee or prorated fee depending on the terms of your plan.
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