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Overview of American Home Shield
American Home Shield (AHS) continues to be a top-rated home warranty provider in 2025, especially praised for its comprehensive system coverage and generous payout limits. With over 50 years of industry experience, AHS offers a range of plans tailored to homeowners who want peace of mind when it comes to costly system and appliance breakdowns.
Whether you’re looking to cover just your HVAC and plumbing or want maximum protection with appliance add-ons and roof leak repair, American Home Shield delivers flexible options to fit most budgets and needs.
Quick Facts
- Plans Available: ShieldSilver, ShieldGold, ShieldPlatinum
- Monthly Cost: $42.85 to $92.85
- Service Fee: $100 or $125
- Response Time: Within 48 hours
- Aggregate Annual Coverage: Up to $50,000
- Top Rated For: Systems-only coverage
What Plans Does American Home Shield Offer in 2025?
American Home Shield provides three tiered home warranty plans:
ShieldSilver – Starting at $42.85/mo
This entry-level plan focuses on essential home systems such as:
HVAC (heating and air conditioning)
Electrical systems
Plumbing systems
Ductwork
Ideal for homeowners seeking affordable coverage without appliance protection.
ShieldGold – Starting at $62.85/mo
Includes everything in ShieldSilver, plus:
Kitchen appliances (refrigerator, oven, dishwasher, etc.)
Laundry appliances (washer and dryer)
ShieldPlatinum – Starting at $92.85/mo
American Home Shield’s most comprehensive plan includes everything from ShieldGold and adds:
Free HVAC tune-up
Roof leak coverage
Unlimited refrigerant
Code violations and permit coverage
Up to $4,000 in appliance coverage
You can also reduce your monthly fee by selecting a higher service fee.
What Does American Home Shield Cover?
American Home Shield plans are known for broad and flexible coverage. Depending on your plan, you can expect protection for the following:
Systems:
- Air conditioning & heating systems
- Plumbing and stoppages
- Ductwork
- Electrical wiring and fixtures
- Water heaters
Appliances:
- Refrigerators and ice makers
- Ovens, ranges, cooktops
- Dishwashers and garbage disposals
- Built-in microwaves
- Clothes washers and dryers
Extras:
Garage door openers
Smoke detectors
Doorbells
Ceiling and exhaust fans
Optional Add-Ons for Expanded Coverage
American Home Shield allows you to customize your plan with six popular add-ons:
- Roof Leak Repair: Up to $1,000 for non-structural leaks
- Pool & Spa Equipment: Heating, pumping, filtration, and plumbing systems
- Electronics Protection: Covers 12 items including laptops and TVs
- Well Pump: Covers main home water supply pumps
- Septic System Ejector Pump: Limited septic system coverage
- Guest Unit: Coverage extension for units up to 750 sq ft
What’s Not Covered by American Home Shield?
As with all home warranties, certain exclusions apply. American Home Shield does not cover:
- Cosmetic issues or damage
- Pre-existing known problems
- Damage due to pests, pets, or misuse
- Outdoor kitchens, chimneys, fireplaces
- Smart home or IoT systems
- Improperly sized systems for your home
Claim Process: How to File a Claim with AHS
Filing a claim with American Home Shield is easy and available 24/7:
Visit their online portal or call customer service.
Submit details like issue description, item brand/model/age.
Pay your service fee ($100 or $125).
A technician is dispatched within 48 hours.
Coverage Limits: How Much Will American Home Shield Pay?
One of the biggest advantages of American Home Shield is its high payout limits:
- HVAC Systems: Up to $5,000
- Ductwork: Up to $5,000
- Appliances: Up to $2,000 (or $4,000 with ShieldPlatinum)
- Roof Leak Repair: Up to $1,000
- Pool & Spa Equipment: Up to $3,000
- Total Annual Coverage: $50,000 aggregate limit
Compared to competitors that offer just $500–$1,000 per item, AHS provides excellent financial protection.
Pros and Cons
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Is American Home Shield Worth It in 2025?
If you want a home warranty that provides outstanding system coverage and high payout caps, American Home Shield is a strong contender in 2025. The systems-only plan is budget-friendly, while ShieldPlatinum offers near-total coverage, making it ideal for older homes or those with frequent repairs.
The optional add-ons and generous $50,000 annual limit make AHS stand out in a crowded market. Despite a few downsides, the value and reliability it brings to homeowners remain top-tier.
Final Verdict
American Home Shield continues to lead the industry in 2025 with its flexible plan options, high-value coverage, and excellent customer benefits. Whether you’re a first-time buyer or a seasoned homeowner, AHS offers dependable protection for your most critical home systems and appliances.