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American Residential Warranty vs 24-7 Home Warranty

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AMERICAN RESIDENTIAL WARRANTY

American Residential Warranty is a stand-out when it comes to home warranty coverage. With corporate offices in Florida and plans available for all 50 states, American Residential Warranty offers not only home warranties but also electronics protection plans and home security systems.

You'll be impressed by American Residential's reputation, especially if you've spent any time considering the dozens of home warranty companies on the market. This company is the only one we reviewed with an A+ rating at the Better Business Bureau - and with more than 100 positive reviews received there. And, at the time of our review, American Residential Warranty had received 275 4- and 5-star ratings that were displayed on their own site - out of a total of 286! Reading through customer comments, you'll find numerous people praising every part of their experience with this home warranty provider, from the plan purchasing stage to requesting service and filing claims.

So, what options do you have with American Residential Warranty? You have quite a few, and the good news is that they're all very affordably priced. Plus, you won't have to enter your information to find out what you'll pay: American Residential Warranty is very transparent with what they offer. Plans include the following:

  • Kitchen Plus: for $29.99/month, you can cover your fridge, range/oven/cooktop, dishwasher, microwave, garbage disposal, kitchen exhaust fan, and your water heater.
  • Heating and Cooling: for $35.99/month, you can cover your air conditioning, central home heating, humidifier, and interior electrical system.
  • Platinum: for $46.99/month, you can cover everything included in the Kitchen Plus and Heating/Cooling plans, plus get a 50% off repairs on your washer/dryer.
  • Platinum Premier: for $54.99, you get all of the coverage of the Platinum plan, plus your plumbing system/stoppages, ductwork, garage door opener, refrigerator ice maker, and ceiling fans.
  • 3-in-1 Bundle: for $94.99/month, you can cover it all. You get the coverage of the Platinum Premier package, plus Electronics Protection (flat screen TVs, gaming consoles, desktop/laptops, tablets, and more) AND Deluxe Advantage (which covers smaller things usually excluded, like AC refrigerant/coils, plumbing faucets/fixtures, and garage door springs/tracks).
  • Add-Ons: if you want to cover things like a well pump, pool/spa, external water/sewer lines, or even food spoilage, you can add this when you choose your package (for an additional fee).

American Residential Warranty also has specials that are shown on tab at the top of the page or featured at the top of the site. At the time of our review, there was new customer plan savings such as one month free for plans paid yearly instead of monthly, discounts for quarterly payments instead of monthly, and $15 for warranty plans purchased online.

If you weren't already convinced by American Residential Warranty's packages and pricing, you'll be sold once you hear about their service on claims. American Residential Warranty is the only company we found that not only has a network of prescreened, licensed technicians, but that also allows customers to use their own qualified, trusted technicians. This does require prior authorization, but it's a huge advantage over other home warranty companies that require customers to use only the technicians the provider sends. American Residential Warranty has representatives available 24 hours a day, 365 days a year if you need to make a claim, and if you have an emergency, immediate service is given.

Customer reviews about American Residential Warranty are glowing: "used them for years, wouldn't go with any other company", "great pricing and reliable service with claims" and "excellent customer service representatives" are some of the most common compliments we found.

For all of these reasons, American Residential Warranty should be the first company you consider when choosing a provider for your home warranty policy. They are our top choice for the best home warranty plans available today.

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24-7 HOME WARRANTY

At first glance, 24-7 Home Warranty looks like a reasonably good choice for a home warranty plan. Who wouldn't want "your own personal service technician always on call", as they promise at the top of their site?

Their available plans consist of the following:

  • Home Appliances: dishwasher, stove/oven, refrigerator, built-in microwave, washer dryer, for $10.99/month or $129/year
  • Major System: internal electrical/plumbing, central AC, heating system/pump, water heater, ductwork, garage door opener, for $24.99/month or $299/year
  • Comprehensive System: covers all of the items listed under Home Appliances and Major System, for $34.99/month or $399/year

The reimbursement cap is $1500 per appliance and most covered systems, $500 for the water heater, and no limit for the garage door opener.

Since our last evaluation of 24-7 Home Warranty, the company has received a listing on the Better Business Bureau site. This home warranty provider does not currently have a rating; that can be a plus or a minus, but at least there have been no registered complaints with the BBB. In poking around on the 24-7 site, we found their "In The News" section, with only two articles dated 10 years earlier.

We also weren't thrilled with the fact that the 24-7 Home Warranty site itself is not secure (it's http and not https). We had to click past the browser security warnings just to access the website.

Our impression of 24-7 Home Warranty is that they are essentially a reseller: their About Us clearly states that their plans are offered by The Warranty Group, headquartered in Chicago (while 24-7 is based in Utah). And, if you look at the tiny print at the bottom of the site, you'll see that coverage of home appliances, comprehensive systems, and major systems is provided and administered by yet another group of companies, depending on your state of residence. They also do not offer plans for residents of CA, NV, or VA.

So, does 24-7 Home Warranty actually deliver? Given that they seem to outsource everything about their business, the best answer we can give is "it's anyone's guess". With so many inconsistencies on the site, outdated information, and evidence that they don't actually service any plans that they sell, 24-7 Home Warranty ranks very low among companies offering protection for your appliances and home systems.

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Best Home Warranty

To help you find the Best Home Warranty Companies, TopConsumerReviews.com provides you with an in-depth comparison of American Residential Warranty and 24-7 Home Warranty.

Who has the best Home Warranty? Whether you're a homeowner, landlord, or home seller hoping to sweeten the deal for prospective buyers, a home warranty can make a significant difference. From appliances like washers and dryers to home systems such as HVAC and electrical, home warranty policies protect you in the event of a malfunction or needed repair.

Given that the average costs of even a minor fix can easily run into the hundreds or thousands of dollars, it's easy to understand why many people purchase home warranties every month. The coverage purchased typically explains what is and is not covered, so you know exactly what you're getting. Also, most plans have some kind of deductible or service fee once a technician has been dispatched for your repair or claim.

You should be aware that home warranties are one of the most complained-about services available today. Why? The main reason is that customers don't pay attention to the fine print. When considering a home warranty policy, be sure to take a look at a sample contract. Like all warranty and insurance companies, they're hoping that you don't need to make a claim - and so many of the cosmetic, non-essential inner workings and components may be excluded from coverage.

However, if you take the time to educate yourself on the home warranty you're purchasing, there should be no unpleasant surprises, and your covered systems will be repaired in a timely fashion by a licensed, reputable technician.

As you decide which company earns your business for a home warranty plan, here are several criteria to consider:

  • Coverage. What is included, and what is specifically excluded? Do the plans offered cover the systems and appliances you most want to protect?
  • Premiums and Fees. What will you pay for your coverage? Will you pay monthly, quarterly, or yearly? What are the fees you pay for service calls? Do you have a deductible?
  • Reputation. What is the company's rating with the Better Business Bureau, if they have one? What do current and previous clients have to say about the home warranty, both during the purchasing process and especially during the claims/repairs experience?

TopConsumerReviews.com has reviewed and ranked the best home warranty companies available today. We hope this research helps you find the best home warranty policy for your home or rental property!



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