American Residential Warranty vs Home Warranty of America for April 2019

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American Residential Warranty vs Home Warranty of America

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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.

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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HOME WARRANTY OF AMERICA

Since 1996, Home Warranty of America has been protecting homeowners with their home warranty packages. Claims can be made online 24/7/365, or you can contact their customer service team during regular business hours.

Home Warranty of America offers two main plans for home warranty coverage: Premier and Premier Plus. Each one allows you to choose between a $75 and $100 Trade Service Call Fee, with lower monthly premiums for the higher call fee. The Premier plan is priced at $41 to $44 per month, while the Plus package costs $50 to $53. Both plans cover the major systems and appliances of the average home. So, what's the difference between the two packages? The Premier Plus covers the air conditioning, toilet replacement, plumbing fixtures/faucets/shower heads, and more than 25 "other items traditionally not covered by basic home warranty plans". We would have liked to see a list or a link to a list for what those 25+ items actually are.

You have an extensive list of add-ons possible with Home Warranty of America's plans. Options include salt water pools, septic systems, roof leak repair, well pumps, and more. The additional premiums for these upgrades are clearly spelled out on the plan summary page, and the sample contract for all plans is readily available for downloading and viewing on the Coverage Options page as well. Home Warranty of America gets points for both of these features, since many of their competitors do not provide that information so freely.

Be aware that Home Warranty of America's plans are all 13-month packages, not the typical one-year timeframe that most home warranty companies sell. This would be an advantage if it were a fixed-price structure, but since you're paying monthly for a Home Warranty of America plan, you're essentially just obligated to pay for an extra month.

On the positive side, there are no age restrictions on any of the appliances or systems covered by Home Warranty of America, so whether your dishwasher is 10 months or 10 years old, it'll still be eligible for coverage.

How does Home Warranty of America compare with other providers when it comes to reputation? On average, Home Warranty of America has solid positive customer feedback. We found many compliments to the responsiveness of their customer representatives, and the lack of pushy sales tactics towards prospective clients. Although some policyholders have experienced mixed results with the quality of the technicians assigned to do repairs, they've been satisfied with Home Warranty of America's efforts to make sure the job is (eventually) completed right.

Home Warranty of America offers comprehensive coverage, transparent fees and pricing, and a solid "B" grade with the Better Business Bureau, making them a good choice for your home warranty plan.

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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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