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American Residential Guide

Find out how you can save money through American Residential Warranty and the benefits of its plan in our comprehensive guide.

Advertising Disclosure: Many or all of the companies featured provide compensation to us. These commissions are how we maintain our free service for consumers. Compensation, along with hours of in-depth research, determines where & how companies appear on our site.

Our Top Home Warranty Partner 2024

 4.9/5

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PROS

Between the standard and bundle options, American Residential Warranty offers seven different plans that cover anything you need. All work comes with a guarantee that lasts for 30 days and charges a low service fee that goes to the contractor.

CONS

You can only file a claim over the phone and not online. American Residential Warranty only lets you cancel a service appointment via a written request, and it puts limits on some of its coverage caps.

BOTTOM LINE

Those who need a lot of repairs done and want to save money like American Residential Warranty because of its low service fees. While it limits what you can do online, the company offers more plans and options than most do.

What is the American Residential Warranty?

American Residential Warranty is a company that provides home warranty plans and coverage for those who want added protection against future surprises. Whether you just bought a new home and never had warranty coverage before or worked with a different company in the past, you’ll find the right plan for you. Plans start at around $50 a month, which is less than $2 a day and include options that you can add to any plan for extra coverage. Available in all 50 states, American Residential Warranty offers free quotes before you decide on a package and help choose the plan that works for your home.

Features and Services

While the cost of repairing some appliances can be a few hundred dollars, it can cost thousands to fix a damaged system in your home. With American Residential Warranty plans, you can save an average of $5,100 a year on those repairs. You can choose one of the basic plans to cover the most expensive appliances in your home, including your big-screen television and gaming computer. It also offers plans that give you more for your money that it calls the 3-in-1 and 4-in-1 bundles. The 4-in-1 plan includes the Deluxe Advantage package that includes coverage for the faucets and fixtures in your bathroom and kitchen, building permits, sewer lines and garage door springs.

Plans and Coverage

With seven available plans, American Residential Warranty makes it easy to choose the best option for your home. You might go with something simple such as the Heating & Cooling plan that covers the central heating and AC equipment that are part of your HVAC system and interior electrical systems and humidifiers. With the Kitchen Plus plan, you can cover all the appliances and systems in your kitchen, including the refrigerator, garbage disposal, range and built-in microwave. Choosing the Platinum plan gives you the best of both worlds. Not only does this plan cover appliances and systems, but it covers the systems and appliances outside of your kitchen.

Another option is the Platinum Premier plan, which is the American Residential Warranty version of a comprehensive plan. It covers issues with your plumbing system such as stoppages and the exhaust fan in your kitchen. If that fan stops working, you risk smoke spreading through your home and even a fire breaking out. American Residential Warranty has both 3-in-1 and 4-in-1 bundle plans that include all the features from some of its other plans.

If you worry about the electronics in your home, sign up for the American Residential Warranty Ultimate Electronics Plan. You can purchase this by itself or in combo with a full plan. Designed for those who have a lot of electronics in their homes, it covers flat-screen televisions and stereo equipment as well as video game consoles and computers. American Residential Warranty guarantees that this plan will cover both old electronics that you brought with you into the home and those you purchase later.

One of the more unique options that you can add to your plan covers food spoilage. If you ever had a refrigerator and freezer die in the middle of the night or lived through a long power outage, you know how bad your kitchen can smell. Not only does this plan cover the cleaning or replacement of your fridge, but it also covers the cost of replacing the food that went bad. This plan can also cover a standalone deep freezer.

Who is This For?

American Residential Warranty is the best warranty company for those who need more than one repair done in a calendar year and are concerned about the costs. Other warranty providers can charge as much as $95 to $150 for each appointment that you can make, which adds up over the year. American Residential Warranty reduces this price to only $55 to help you get more work done for less money. Whenever a contractor does work in your home, you get a 30-day guarantee that ensures they did the work properly. Those worried about emergency calls also like American Residential Warranty because it has support staff available 24/7. Regardless of when you need to file a claim, you can do it over the phone as you speak to a real person.

How it Works

One of the worst parts about American Residential Warranty is that it doesn’t give you the chance to file a claim online. Though you can go online and click on the state where you live, it will then direct you to a page that gives you a number to call to file your claim. The good thing about this is that it lets you speak to a representative who can tell you how close you are to your annual cap. That replacement can also give you info about the contractors in your area to give you an idea of who will come to your home. American Residential Warranty plans to add options for those who want to file a claim online in the near future. This will include a contact form that asks what you need fixing and when it broke along with spaces for you to add your name, phone number, and address.

Pricing

Not all customers who sign up for warranty plans through American Residential Warranty pay the same rates. The cost starts at $24.99 per month for the Ultimate Electronics Plan and rises to $34.99 a month for the Kitchen Plus plan. When you opt for the Heating & Cooling plan, you can expect to pay $39.99 each month. American Residential Warranty charges $49.99 per month for the Platinum plan and $59.99 every month for the Platinum Premier plan. The most expensive plans that are available are the bundle plans. You’ll pay between $109.99 and $124.99 each month for the 3-in-1 and 4-in-1 bundles. This lets you save on the cost of buying those plans separately. All of these monthly fees do not include the service charge that you pay during each appointment. American Residential Warranty allows you to pay for a year of service in one payment too.

Warranty Claims

Though American Residential Warranty is a good home warranty company, it has a few things hidden in the fine print of your contract that you need to know. The first is that it places a limit on the amount of service that you can get each year. It will keep a running total of how much it spent on your replacement items and repairs and stop your contract when you reach the $5,000 mark. This also means that the company may deny your request for an appointment when you reach this amount or tell the technician not to fix an appliance that costs more than you have left on your balance. Though American Residential Warranty does not require an inspection before it issues you a contract, it does not allow you to make appointments until you finished the 30-day waiting period. The first month that you spend in the waiting period counts toward your first month in the contract too.

Final Verdict

With a free quote available for all prospective customers, American Residential Warranty lets you know what your costs are before you pick any plan. In addition to separate plans designed for specific systems and appliances, it offers one of the only plans designed for electronics that you’ll find. It not only covers portable and standard game consoles, but it also covers your televisions and computers. Thanks to the bundle plans that it now offers, you can save money every month with plans that cover nearly everything that you own. American Residential Warranty gets high marks for both its options and plans as well as its affordable service fees.