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Last updated on Sep 17, 2020

American Residential Warranty Review

American Residential Warranty

    • Best for Low Service Fee
    • Reviews Rating: 4.02/5
    • Multiple Payment Options
    • 2 Months Free for New Members





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How We Reviewed American Residential Home Warranty

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20 hours researched

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9 features analyzed

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18 competitors compared

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With American Residential Warranty, you can get exactly the type of home warranty you need at a price you can afford. Offering six different plans and options to pay either monthly, quarterly, or annually, American Residential Warranty provides a truly customizable solution for anyone looking to protect their home. 

American Residential Warranty Overview

  • Plan types: Heating & Cooling, Kitchen Plus, Platinum, Platinum Premier, 3-In-1 Bundle, 4-In-1 Bundle
  • Pricing: $34.99, $39.99, $49.99, $59.99, $109.99, $124.99, per month.
  • Service fees: Not stated
  • Workmanship guarantee: Not stated
  • Contract length: Month to month, quarterly, and annual contract options
  • BBB rating: A+refrig
  • Home inspection required? No
  • States served: All 50 states
  • Available appliance and system coverage: Refrigerator, Range/Oven/Cooktop, Dishwasher, Built-in Microwave, Ceiling Fans, Garbage Disposal, Kitchen Exhaust Fan, Water Heater, Refrigerant Recapture, Sewer and Water Lines, Central Air Conditioning, Central Home Heating, Humidifier, Interior Electrical System, Plumbing System, Plumbing Stoppages, Ductwork, A/C Refrigerant and Coils, Plumbing Faucets and Fixtures, Toilets and Internal Mechanisms, Garage Door Opener, Garage Door Springs and Tracks, Washer and Dryer. Available add-ons: Flat Screen TVs, Home Theater System, Desktops/Laptops, Tablets, Gaming Consoles, Printers, Routers, Hand-Held Gaming Devices

HEATING & COOLING$ 39.99 /moKITCHEN PLUS$ 34.99 /moPLATINUM$ 49.99 /moPLATINUM PREMIER$ 59.99 /mo3-IN-1 BUNDLE$ 109.99 /mo4-IN-1 BUNDLE$ 124.99 /mo
Central Air Conditioning
Washer & Dryer*Optional coverage at additional cost✔*✔*✔*✔*
Central Home Heating
Interior Electrical System
Range / Oven / Cooktop
Built-In Microwave
Garbage Disposal
Kitchen Exhaust Fan
Water Heater
Plumbing System*Fixtures not included
Plumbing Stoppages*Fixtures not included
Garage Door Opener
Refrigerator Ice Maker
Ceiling Fans
Deluxe Advantage**
Ultimate Electronics Protection***
Sewer & Water Lines

More Details

**Deluxe Advantage Includes:

  • A/C Refrigerators & Coils
  • Refrigerant Recapture
  • Plumbing Faucets & Fixtures
  • Permits/Modifications/Code Violations
  • Toilets & Internal Mechanism
  • Improper Installation
  • Mismatched Systems
  • Garage Door Spring/Tracks

***Ultimate Electronics Protection Includes:

  • Flat Screen TVs
  • Home Theater System
  • Desktops/Laptops
  • Tablets
  • Gaming Consoles
  • Printers
  • Routers
  • Hand-Held Gaming Devices
  • And Much More

Who is this best for? 

When it comes to home warranty protection, American Residential Warranty has is best for new or current homeowners who truly want options when it comes to warranty protection. You have the option to protect everything in your home, including all of your various electronics. Or choose to cover specific appliances. 

American Residential is also great for people who need different payment options. Pay either month to month, quarterly, or annually.


  • 2 Months Free: Sign up for an annual plan, and the first two months are free.
  • Nationwide Service: American Residential Warranty serves all 50 states.
  • Electronics Protection: Protect your computer, TV, gaming console, and more with the electronics add-on feature.
  • Choose Your Contractor: Have a contractor you already know and trust? Have him or her call in for authorization.


  • Wait Period: Must wait 30 days before you can make a claim.
  • Coverage Limits: American Residential Warranty has yearly limits on the amount it will spend to repair or replace an item, so more expensive appliances may need different protection.

The Competition 

American Residential WarrantyHome Service ClubAmerican Home ShieldCinch
States servedNationwideNationwideNationwideNationwide
Reviews rating4.02/53.80/53.80/53.83/5
Service feeUnlistedUnlistedUnlisted$75, $100, or $125
Workmanship guaranteeNot statedYes – 90 daysYes – 30 daysYes -180 days
OtherWarranty can be transferred to a new homeowner
Home inspection is not required
Six plans offered
 Members are eligible to get a free alarm system
Warranty can be transferred to a new homeowner
Home inspection is not required
Three plans Offered Works with a network of over 15,000 screened professional contractors.
Warranty can be transferred to a new homeowner
Home inspection is not required
Three plans offered
45 years in the industry
Request service 24/7 online
Works with a network of over 15,000 screened and licensed professionals
Transferability not listed 

Home inspection is not required
Three plans offered
New members get a $25 gift card for A/C and refrigerator filters
New members get a free leak sensor

*All information accurate as of 2/17/2020.

American Residential Warranty compared to Home Service Club 

American Residential Warranty routinely offers promotional discounts on top of two free months to new members. Home Service Club doesn’t offer any type of sign up bonuses or incentives to stay with ongoing promotional offers.

Also, American Residential Warranty offers up to six different protection plans to choose from. The Home Service Club, however, only offers three. It is possible to include optional add-ons, but these come at a price. With ARW, you can choose a plan hyper tailored to your needs, as well as do add-ons as well. In the end, you will save a lot of money with ARW because you’ll be paying for exactly what you need. 

Another important note, while most home warranty plans have coverage limits, American Residential Warranty payout limits are more generous than Home Service Club. For example, the ARW will cover up to $1,000 for the cost to diagnose, repair, install, or replace your water heater system. Home Service Club only pays out up to $500 for the same terms. 

American Residential Warranty compared to American Home Shield

American Home Shield, at first glance, seems to be on par with American Residential Warranty, but like Home Service Club, the Better Business Bureau would disagree. Presently, American Home Shield only has a B rating, which may have something to do with the 11,315 complaints filed against it

American Home Shield appears to be more customizable than American Residential Warranty with its Build Your Own Plan. You can specifically choose what you want covered from a long list of options, but with American Residential Warranty, you already have six different diverse and affordable options to choose from (in addition to having add-ons) without having to do any work.

When comparing the two companies coverage limits and exclusions, American Home Shield offers a better payout for the cost to repair or replace an appliance. With AHS, the coverage limit to repair or replace a Dishwasher is up to $3,000. Compare this to ARW’s up to $1,000.   

The Bottom Line 

Get up two months free with American Residential Warranty when you choose from one of six protection plans and optional add-ons. There are many ways to make ARW’s services your own, but make sure to compare plans to other home warranty providers. ARW coverage limits are better than some, but not the best. Our advice, as with any warranty program, make sure to read the fine print regarding coverage limits to make sure you are getting the best plan for your situation. 

About the Authors

Lauren Ward

Lauren Ward Contributing Writer

Lauren Ward is a personal finance writer who regularly covers consumer insurance products. Her work has appeared in a variety of online publications, including Bankrate and The Simple Dollar. She graduated from Georgetown University with a BA in Japanese.