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American Residential Warranty Reviews For 2021

Katie Ziraldo12-minute read
September 08, 2022

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Home warranties matter for a number of reasons. If you find yourself without working heat in the dead of winter, you may need assistance to quickly rectify the situation. This is where a home warranty comes in – helping to lighten the financial burden when a crucial home appliance or system needs to be repaired or replaced.

Considered one of the best warranty providers, American Residential Warranty (ARW) offers seven different coverage plans and additional optional add-ons to customize your plan to fit your home.

In this article, we’ll walk you through why we recommend this provider. But don’t just take our word for it – we’ll also share some key consumer reviews to highlight all the pros and cons of choosing ARW.

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American Residential Warranty Overview

ARW prides itself on providing customizable home warranty plans which allow each consumer to receive the specific coverage they need without paying for what they don’t. The wide range of home systems covered include central heating and cooling, plumbing, electrical, water and sewer lines, ductwork, kitchen appliances and electronic devices.

As the national leader in the home warranty industry, ARW sets itself apart in several ways. In addition to their personalized plan options, the company also allows homeowners to choose their own contractors for necessary home repairs, putting the power in the hands of the consumer.

It’s because of these unique offerings – and consistently low prices – that ARW has such a high rating from consumers and the Better Business Bureau.

ARW Home Warranty Plans

As mentioned, ARW offers several home warranty plans and bundles, ranging from basic to advanced coverage. These plans include:

  • Platinum Premier: This all-inclusive plan covers built-in microwaves, ceiling fans, central air conditioning, central home heating, dishwashers, ductwork, garage door openers, garbage disposals, humidifiers, interior electrical systems, kitchen exhaust fans, plumbing stoppages, plumbing systems, ranges and ovens, range hoods, refrigerators (including ice makers) and water heaters.
  • Platinum: This slightly less comprehensive plan covers major appliances, electrical and central heating and cooling. Specific coverage includes built-in microwaves, central home heating, central air conditioning, dishwashers, garbage disposals, humidifiers, interior electrical systems, kitchen exhaust fans, ranges and ovens, refrigerators (not including ice makers) and water heaters.
  • Heating And Cooling: As the name implies, this plan covers heating, cooling and electrical, including central air conditioning, central home heating, humidifiers and interior electrical systems.
  • Kitchen Plus: This plan focuses on covering major kitchen appliances and electrical. Coverage includes built-in microwaves, dishwashers, garbage disposals, kitchen exhaust fans, ranges and ovens, refrigerators (not including ice makers), interior electrical systems and water heaters.
  • 3-In-1 Bundle: ARW customers can also save money by bundling their coverage. This bundle includes Platinum Premier coverage and adds Deluxe Advantage – which provides additional coverage for A/C refrigerant and coils, refrigerant recapture, plumbing faucets and fixtures, toilets and internal mechanisms, improper installation, mismatched systems, garage door springs and tracks and permits or code violations – as well as electronics protection for TVs, computers, tablets, gaming consoles and more.
  • 4-In-1 Bundle: This bundle takes everything included in the 3-in-1 and adds coverage for sewer and water lines to help with repairs, unblocking the lines, excavation costs, reseeding the grass and repaving the driveway if needed.

ARW Home Warranty Coverage Comparison

At first glance, having so many options available may make it difficult to determine which plan is right for you. To start, take a walk through and around your home and make a list of everything you need or want your home warranty to cover – then review the coverage comparison chart below. 

ARW Home Warranty Cost

The exact cost of your ARW home warranty plan will depend on the plan and bundle you choose. When choosing a plan, be sure to consider your needs as well as your monthly budget to set your home up for success.

Top American Residential Warranty Reviews

If you’re searching for a comprehensive home warranty plan, one of the best places to look is in consumer reviews. These reviews provide valuable insight into what real consumers have experienced with their home warranty provider, and in doing this research, they can help you choose the best home warranty for your specific needs. With this in mind, let’s look at recent reviews from the following sites.

Better Business Bureau (BBB)

Although ARW is not a BBB accredited business, the company has a 3.84/5 star rating with just under 300 consumer reviews. There are 71 reported complaints closed in the last 3 years, with 25 closing in the last 12 months. Most complaints on the site received a response from the company within 1 to 2 days, and in some cases the complaint was resolved to the customer’s satisfaction.

In June 2021, one customer provided insight into their experience with ARW, writing, “I called about my stove. They gave me an appointment for vendor to come out and check. Vendor called ahead and was there on time. Took no time to find issues. Had to order parts for repair. Parts was delivered to me directly in a timely manner. Vendor came back and replaced parts in little time. I am now using my oven and completely satisfied. Thanks American Warranty. You really came through for me.”

Consumer Affairs

ARW also has a 4/5 star rating on Consumer Affairs. It’s the site’s top choice for customer support due to the overwhelming amount of positive reviews saying the customer service representatives go above and beyond for policy holders.

In February 2021, an ARW policy holder expressed gratitude for the ease of the process, stating, “It started with my initial contact with ARW Home Warranty, when I was inquiring about their services. The representative was extremely, professional, knowledgeable and patient because I had questions. Approximately 4 months later, I had my first claim for my dishwasher and the claim experience was easy. The technician was great. Today, Mr. ** was polite and professional and I was happy to share with him my total satisfaction with ARW Home Warranty.”

What We Like About American Residential Warranty

From customizable plans to affordable prices, there are many advantages to choosing ARW for your home warranty.

Good Customer Service

One thing you should always consider when choosing a warranty provider is the type of experience you’ll have should issues arise down the road. This is one thing that sets ARW apart. With 24/7 customer service availability and guaranteed service repairs for 30 days, it’s not surprising that this provider has consistently earned strong customer service ratings.

In July 2021, a customer gave ARW a five-star rating on Consumer Affairs and detailed her positive customer service experience, writing, “Sharlene answered the call, and was very helpful, professional manners was great, it was a pleasant talking with her and she really knows her job, all of the employees perform their duties very well, they are trained well and know their positions and are well informed.”

Affordable Services

In addition to offering cheaper monthly plans, ARW also offers a service fee lower than the industry average, making it one of the most affordable providers overall.

In July 2021, a customer gave ARW a five-star rating on Consumer Affairs, commenting, “I switched to American Home Warranty almost a year ago. I love the low service fee dollar amount and the 24-hour file a claim line. The service providers are professionals and very knowledgeable and respectful. I would recommend the guys to new homeowners and current owners.”

Nationwide Coverage

Compared to competitors who offer coverage in limited states, one of the biggest advantages of ARW is that they offer coverage in all 50 states and Washington D.C. This means you won’t have to worry about switching providers if you move down the line.

Flexible Plan Options

Although the exact cost of your home warranty will depend on the level of coverage you need, choosing ARW means you have flexible options. Should your needs change, you can easily switch plans or bundle services with ARW as opposed to having to locate a new provider.

These flexible plans also include additional coverage for parts of your home that aren’t typically covered, such as your most valuable electronics. Consumers are also in control of how and when they pay for this coverage – choosing to be billed monthly, quarterly or annually.

American Residential Warranty FAQs

With so much to consider, there are likely to be a few lingering home warranty questions in your mind. The following are a handful of the most frequently asked questions regarding ARW and the coverage it offers.

What Is Excluded From Coverage?

According to the terms and conditions set by ARW, there are certain exclusions that are commonly omitted from home warranty coverage. Although this list may seem daunting, when compared to other home warranty providers, the company’s number of exclusions is not terribly high.

These exclusions are broken down by category, including:

  • Built-In Microwave: Countertop units, door glass, clocks, rotisseries, interior linings or cosmetic issues like scratching, denting or chipping.
  • Ceiling Fans: Remote transmitter units, light fixtures, removable attachments and wall fans.
  • Central Air Conditioning: Gas systems, baseboard casings, coils, line driers, portable units, registers, grills, clocks, timers, flues and vents, condenser casings, portable electric air cleaners, filters, humidifiers, service valves, driers, refrigerant, refrigerant line sets, freon reclamation, belts, wiring, wiring harness, circuit breakers, drains, primary and secondary drain pans, drain line stoppages, roof jacks or stands, chilled water systems, unit accessories, improperly sized home cooling systems or wall units that are not ducted as intended by the manufacturer.
  • Central Home Heating: Solar heating systems, fireplaces, chimneys, heat lamps, fuel storage tanks, liners, registers, grills, timers, flues and vents, filters, improperly sized heating systems, expansion tanks, free-standing or portable heat units, any parts related to geothermal or water source heat pumps or pellet stoves.
  • Clothes Washing Machine: Removable minitubs or buckets, soap dispensers, filters and filter screens, knobs and dials, clothing damage, water flow restrictions due to mineral deposits, drawers or cosmetic issues like denting and scratching.
  • Clothes Dryer: Venting, knobs and dials, clothing damage, lint filters and lint screens, dryer cabinet, fragrance compartment, humidity center or cosmetic issues like denting and scratching.
  • Dishwasher: Baskets, rollers, racks or cosmetic issues like scratching, denting or chipping.
  • Ductwork: Insulation, anything related to asbestos, registers, grills, dampers, improperly sized ductwork, diagnostic or leak location testing, ductwork outside the perimeter of the covered residence or crawl space, collapsed or crushed ductwork, ductwork damaged by moisture, animal inhabitation or insect infestation or inaccessible ductwork (such as ductwork obstructed by walls, floors, ceilings, built-in appliances, systems and cabinets).
  • External Water Line System: Main shut-off residence valve, blockages, water taps, pressure reducing valve, booster pump, meter pit frame or cover, curb valve, curb box adapter and cover, lawn or fire sprinkler systems, sod, shrubbery, landscaping, flowerbeds, trees or mulch and any leaks inside the residence beyond the main shut-off valve.
  • Garage Door Opener: Cables, springs, handles, wheels, wheel track, track assembly, doors, hinges, remote transmitters, frequency interference, lights or exterior-mounted keypads.
  • Garbage Disposal: Any damage or failure resulting from bones or foreign objects.
  • Humidifier: Portable room humidifiers, wicks, filters, demineralization cartridges, UV light bulbs, bacteria treatment additives or cosmetic issues like scratching, denting or chipping.
  • Interior Electrical System: Fixtures, attic or whole house exhaust fans, doorbells, intercom systems, alarm systems, central vacuum systems, audio/video/computer wiring or cable, direct current wiring and systems, exterior wiring and components, telephone wiring, inadequate wiring capacity, power failure or shortage from power surge, low voltage systems, load control devices, electrical generation systems, solar electrical systems, timers, touchpad assemblies, remote controls or any damage or failure caused by circuit overload.
  • Kitchen Exhaust Fan: Rooftop exhaust units, filters or cosmetic issues like scratching, denting or chipping.
  • Plumbing System: Fixtures, all piping and plumbing outside of the perimeter of the foundation or below the foundation of the covered residence, bathtubs, gas lines, caulking or grouting, toilets and all toilet parts, holding and pressure tanks, jet pumps, laundry tubs, lawn sprinkler systems, pressure regulating devices, conditions of excessive or insufficient water pressure, exterior hose bibs, water supply lines to refrigerator or any repairs necessary to access interior lines or pipes.
  • Plumbing Stoppages: Any damage or failure caused by roots, collapsed, broken or damaged lines located outside the main foundation of the covered residence, access of drain or sewer lines from roof vents, removal of a toilet or costs associated with locating, accessing and installing a ground-level clean out.
  • Range/Oven/Cooktop: Clocks, meat probe assemblies, rotisseries, racks, handle knobs, sensi-temp burners or cosmetic issues like scratching, denting, chipping or breakage of an oven door or glass/ceramic cooktop.
  • Range Hood: Rooftop exhaust units, filters or cosmetic issues like scratching, denting or chipping.
  • Refrigerator (Including Ice Maker): Chilled water dispenser and respective parts, food spoilage, media centers, springs, hinges, liners, baskets, racks, rollers, handles, shelves, or cosmetic issues like scratching, denting or chipping.
  • Swimming Pool And Spa: Seals and hoses, automatic dispensers for chemicals, lights, liners, structural defects, solar equipment, jets, ornamental fountains, waterfalls and respective plumbing systems, covers and respective parts or equipment, filters, remote control systems, freon reclamation, built-in or detachable cleaning equipment including pool sweeps, pop-up heads, turbo valves, skimmers, chlorinators and ionizers, fuel storage tanks or disposable filtration mediums.
  • Water Heater: Solar water heaters, oil-fired water heaters, secondary holding or storage tanks, anode rods, noise, thermal expansion tanks, fuel storage tank, heat recovery units, flues, piping, insulation or TPR discharge lines.
  • Well Pump System: Well casings, pressure tanks, piping or electrical lines that connect the well pump to the residence, holding or storage tanks or redrilling of wells.

Does American Residential Warranty Cover Preexisting Conditions?

ARW’s home warranty plans don’t cover preexisting conditions, nor do most of their competitors. All appliances and systems must be in good working condition on the effective date of the plan and must also be clean and accessible during any service calls.

Can I Choose My Own Contractor With American Residential Warranty?

Policy holders with ARW can choose their own contractor for repairs. This is appealing because it allows the consumer to choose a contractor they know and trust and get the repairs done on their schedule. To choose your own contractor, you must notify a claim’s representative and ensure the contractor calls ARW for prior authorization.

What Is American Residential Warranty’s Average Repair Time?

From the time you submit a claim, ARW will dispatch a repair technician to your home within 48 hours. This process can be expedited to 24 hours in the case of emergency repair services, which the company defines as:

“A breakdown or suspected breakdown of your covered product or covered system that affects the safe inhabitability of your covered residence; including, the breakdown of a central home air conditioning covered system or central home heating covered system when the temperature outside the covered residence exceeds 90 degrees Fahrenheit or drops below 40 degrees Fahrenheit; respectively.”

Is There A Cancellation Fee For American Residential Warranty?

If you need to cancel your ARW coverage for any reason, you’ll be happy to know there is no long-term contract and therefore no associated fees to cancellation. Policy holders will need to provide a 30-day written notice to cancel.

The Bottom Line

Home warranties provide valuable peace of mind when something in your home stops working properly. To be prepared, you need to plan ahead. Consider the appliances and systems you rely on – from heating and cooling to food preparation – and find a home warranty plan that fits your needs.

After all, when it comes to your home, it’s always better to be safe than sorry.

If you’re ready to take the next step, learn more about homeownership today!

Katie Ziraldo

Katie Ziraldo is a financial writer and data journalist focused on creating accurate, accessible and educational content for future generations of home buyers. Her portfolio of work also includes The Detroit Free Press and The Huffington Post.