American Home Shield: REPORT
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American Home Shield
9.1
Overall Score
Company Details
889 Ridge Lake Boulevard, Memphis, TN 38120
Years in Business: 54
Pros
Quick scheduling in many areas, often same day or next day
Polite, professional techs who explain repairs clearly
Cash-out or replacement when repair isn’t practical
Cons
Reported delays and reschedules, especially with HVAC during heat waves
Strict coverage ; preexisting or maintenance denials
Communication gaps; long holds and mixed contractor quality
Service Fee | $75-$125 |
Monthly Fee | $40-$90 |
States | 48* |
PROMOTION: None available
*Excludes Alaska & Hawaii
Coverage Checklist
Item | Offered? | Limit |
|---|---|---|
HVAC | ✅ Yes | $5,000/system |
Electrical | ✅ Yes | In $50k total limit |
Plumbing | ✅ Yes | In $50k total limit |
Appliance | ✅ Yes | $2,000–$4,000/appliance |
Electronics | ⚠️ Yes | Optional; limits vary |
Pool/Spa | ⚠️ Yes | Add-on; $3,000 limit |
Roof | ⚠️ Yes | Platinum; $1,000 limit |
Features & Policies
Feature | Offered? | Details |
|---|---|---|
24/7 Claims Processing | ✅ Yes | 24/7 technician access |
Choose Your Contractor | ❌ No | AHS assigns technicians |
Workmanship Guarantee | ✅ Yes | 30-day guarantee |
Unknown Conditions | ✅ Yes | Unknown issues covered |
Roof Leak Coverage | ✅ Yes | Limited roof leak coverage |
Waiting Period | ⚠️ Yes | Up to 30 days |
Cancellation Fee | ⚠️ Yes | Fee may apply; see terms |
American Home Shield Review:
Our Rating: ⭐⭐⭐⭐⭐ (9.1/10)
AHS is a large, familiar choice with easy claims, wide coverage, and a contractor network that can move quickly in many areas. Results still depend on season and vendor, so timelines and communication deserve a close look.
Key Highlights of American Home Shield:
✅ Extensive, Customizable Coverage
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ShieldSilver™ covers core systems: HVAC, electrical, plumbing.
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ShieldGold™ adds key appliances: fridge, oven, dishwasher, laundry.
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ShieldPlatinum™ combines systems and appliances and adds premium perks like roof-leak coverage.
Optional add-ons include pools, spas, well pump, septic, and electronics so you can tailor coverage.
✅ Transparent Pricing & Solid Value
Typical pricing runs about $40 to $90 per month, with a $75 to $125 service fee per visit. Review both the monthly premium and the service fee together so the math fits your budget.
✅ Higher coverage limits on many items
Platinum raises caps on repairs and replacements, which can reduce out-of-pocket costs when big items fail.
✅ Member benefits that help
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Roof-leak coverage in ShieldPlatinum.
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HVAC refrigerant costs covered per plan terms.
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One annual HVAC tune-up on ShieldPlatinum, where available.
✅ Claims and network
File claims online or by phone 24/7. AHS’s national network helps keep jobs moving, though timing can vary by season and location.
✅ Nationwide availability
Available in 48 states (not Alaska or Hawaii).
Potential Areas for Improvement:
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Timelines can stretch during heat waves or when parts are back-ordered.
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Coverage decisions may feel strict; cash-out amounts do not always match full replacement costs.
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Communication and vendor quality vary by market; some report long holds, mixed contractors, or jobs marked complete too early.
Bottom Line: Should You Choose American Home Shield?
Absolutely. AHS is a strong mainstream pick if you want broad plans, higher caps on many items, and round-the-clock claim filing. Go in with clear expectations on timelines and coverage details, especially in peak seasons. If you prefer lower fees and faster technician scheduling, also look at First Premier Home Warranty before you decide.
Our Recommendation:
🥈 Highly Recommended – #2 Home Warranty Provider