OneGuard Home Warranties Review

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Contributor, Benzinga
October 26, 2022

Acquired by American Home Shield in 2016, OneGuard® Home Warranty offers three home warranty protection plans: systems, appliances and a combo plan. The company has a solid reputation and stands out by offering select services other home warranty companies do not, such as lawn care, HVAC tune-ups, carpet cleaning, window cleaning and pest control. Because OneGuard® services some of the hottest areas in the country, the company puts a special emphasis on A/C repair and replacement. Maintenance services are available for all three plans. Customer service is available 24/7, 365 days a year.

Best For
  • Large and expensive HVAC systems
  • Home maintenance
  • Pre-existing conditions
Pros
  • Offers services not covered by other home warranty companies
  • Covers pre-existing conditions
  • Outstanding customer service and claim submissions
  • Broad selection of options
  • Offers preventative maintenance
Cons
  • Available only in three states
  • Cancellation fee after 30 days

OneGuard Home Warranty Ratings at a Glance

Product Offering
Customer Service
Customer Pricing
User Benefits
User Experience
Overall

OneGuard® Home Warranties, based in Phoenix, Arizona, provides home warranties for systems and appliances in Texas, Nevada and Arizona. The company was founded in 1990 and is a subsidiary of American Home Shield (AHS). OneGuard® offers premium services at affordable prices and is accredited by the Better Business Bureau with an A+ rating.

OneGuard Home Warranty Product Offering

OneGuard® Home Warranty offers three plans: ApplianceGuard, SystemGuard and HomeGuard. While ApplianceGuard and SystemGuard are self-explanatory, HomeGuard covers both your systems and appliances. All plans offer additional services like pest-control treatment and window cleaning. Some exclusions apply.

ApplianceGuard Plan

ApplianceGuard covers the cost for repair or replacement of your home appliances and big-ticket items like your refrigerator or washer and dryer. ApplianceGuard is the first and most affordable of the plans. Items covered under the ApplianceGuard plan include:

  • Dishwasher        
  • Oven and stove
  • Built-in microwave 
  • Garbage disposal 
  • Instant hot water dispenser 
  • Yard maintenance 
  • Trash compactor 
  • Washer and dryer 
  • Re-key and garage remote reprogram 
  • Carpet cleaning 
  • Window cleaning
  • Dryer vent cleaning 
  • Pest control 
  • Termite treatment 
  • Weed kill treatment 
  • Pool maintenance 

SystemGuard Plan

The SystemGuard plan is a little more pricey than ApplianceGuard because it covers more expensive items such as your A/C or heating system, plumbing and electrical systems. Items covered under the SystemGuard plan include:

  • A/C system
  • Heating system 
  • Plumbing system 
  • Plumbing stoppages 
  • Water heater 
  • Electrical system 
  • Ceiling and exhaust fans 
  • Central vacuum 
  • Doorbells 
  • Garage door opener 
  • Permits and code upgrades 
  • Equipment disposal
  • A/C and heating system tune-ups 
  • Garage door tune-up service 
  • Yard maintenance
  • Smoke detectors
  • Re-key and garage remote reprogram 
  • Carpet cleaning 
  • Window cleaning 
  • Dryer vent cleaning 
  • Pest control 
  • Termite treatment 
  • Weed-kill treatment 
  • Pool maintenance 

HomeGuard Plan

HomeGuard is the most expensive, yet most comprehensive plan. HomeGuard covers everything ApplianceGuard and SystemGuard do. Items covered under the HomeGuard plan include:

  • Dishwasher        
  • Range/oven/cooktop 
  • Built-in microwave 
  • Garbage disposal 
  • Instant hot water dispenser 
  • Trash compactor 
  • Washer and dryer
  • Air conditioning system
  • Heating system 
  • Plumbing system 
  • Plumbing stoppages 
  • Electrical system 
  • Ceiling and exhaust fans 
  • Central vacuum 
  • Smoke detectors 
  • Doorbells 
  • Garage door opener 
  • Permits and code upgrades 
  • Equipment disposal
  • A/C and heating system tune-ups
  • Water heater  
  • Garage door tune-up service 
  • Re-key and garage remote reprogram 
  • Carpet cleaning 
  • Window cleaning 
  • Dryer vent cleaning 
  • Pest control 
  • Termite treatment 
  • Weed-kill treatment 
  • Pool maintenance 
  • Yard maintenance 

Additional coverages include:

  • Sprinkler systems
  • Additional dishwasher
  • Pool and spa (built-in)
  • Guesthouse
  • Additional washer/dryer

OneGuard® home warranty coverage is available for homeowners living in: 

  • Single-family homes
  • Townhouses
  • Condos
  • Duplexes
  • Triplexes
  • Fourplexes

Coverage length for warranties is one year. Premiums can be paid monthly or all at once. Policies can be canceled within 30 days of signing for a full refund. Refunds are not available if the customer has made a claim within the first 30 days. If the contract is canceled after 30 days, the customer may receive a prorated refund with an additional $50 administrative fee.

What’s Not Covered

While OneGuard® does cover pre-existing conditions, that does not apply to known pre-existing conditions. If your home system or appliance is broken at the time you sign your contract, don’t expect it to be covered. Other exclusions include:

  • Breakages from things other than normal wear and tear
  • Natural disasters like fire and water damage (these are covered by your homeowners policy)
  • Cosmetic defects
  • Misuse of a product as stipulated by the manufacturer
  • Routine maintenance for appliances

There are individual exclusions for home maintenance items. Check your contract for details.

OneGuard® for Real Estate Professionals

Oftentimes, real estate pros and home sellers can fall through the cracks. For these instances in particular, OneGuard® offers real estate plans like its Seller’s Coverage and Certified Pre-owned Home Program. These plans include:

  • Certified Pre-owned Home Program: With this plan, sellers will have a mechanical inspection done on the home.
  • Seller’s Coverage: This plan offers up to six months of protection for the seller during the listing.

If you’re a real estate professional, OneGuard® provides more than 15 home maintenance services you can offer your client. Advantages for real estate agents include:

  • Assurance to homeowners that the systems and appliances in their new homes will be covered in case of breakdown
  • Protecting the agent’s reputation both during and after the sale by maintaining that new home homes will function as advertised
  • The knowledge that all the little things are covered so the agent can focus on selling homes, not maintaining them

OneGuard® advantages for buyers include:

  • Knowing that your home systems and major appliances are covered in case of breakdown
  • Fast service-response time by trusted contractors
  • Award-winning OneGuard® services available 365 days a year

Advantages for sellers include:

  • Assurance to the buyer that there will be no surprises
  • Reductions in both buyer renegotiations and contract cancellations
  • Protection from negative issues discovered during home inspections

All OneGuard® home warranty plans come with home service and maintenance coverage.

OneGuard® for service contractors

OneGuard® not only offers one of the widest selections of services for its customers but the finest in service contractors as well. OneGuard® service contractors get benefits like:

  • Approved invoices in 10 days or less
  • Readily available service contractor managers in all states
  • Quick response time to all questions

Contractors must be licensed with a minimum $1 million in general liability insurance. Proof of workers’ compensation insurance is needed if required by the state.

Average Repair, Replacement Costs

Systems like your air-conditioning unit can sometimes be so expensive to repair, it’s better to replace it. Better even than paying to replace it, however, is having a home warranty in place. For something like an A/C unit, or even a home heating system, the price tag is usually in the thousands of dollars. Even repairing or replacing smaller appliances like a washer/dryer or oven can cost you hundreds of dollars at the least.

ItemAvg. Repair CostAvg. Replacement Cost
A/C$350$5,500
Heating system$350$4,500
Hot water heater$275$1,500
Washer/dryer$285$650
Plumbing$300$3,500
Oven$285$900

Customer Service

OneGuard® Home Warranty offers 24/7 support via live chat, email or phone. Customers can file claims either online or by phone. The OneGuard® Home Warranty website states it will respond to your claim within four hours. After you pay the $75 service fee, a contractor will be dispatched.

Customer Pricing

Even with all the extras like home maintenance and pre-existing conditions coverage, OneGuard® is amazingly affordable. Annual contracts for the plans start at:

ApplianceGuard: $30 per month

SystemGuard: $44 per month

HomeGuard: $56 per month

Customers must pay a $75 service fee when making a claim, but that’s an industry standard.

User Benefits

Like other home warranty companies, OneGuard® offers both system warranty and appliance warranty services. This means if any of your covered home appliances or systems break down, help is on the way. What OneGuard® offers that many other companies do not is a home maintenance plan. This means avoiding costly breakdowns before they even happen. All OneGuard® home warranty plans include access to several home maintenance services such as:

  • A/C and heating system tune-ups
  • Re-key services
  • Carpet cleaning
  • Ceiling fan and light fixture installation
  • Garage door opener tune-ups

OneGuard® specializes in home services and preventative maintenance for its customers.

User Experience

The OneGuard® website makes the user experience for both potential and existing customers a breeze. If you’re still shopping around for a home warranty, the OneGuard® website is as informative as it is easy to follow. Everything from home maintenance services to plans for real estate professionals is covered in concise yet comprehensive detail. If you’re still wondering whether home warranty coverage is for you, you won’t be after pursuing the OneGuard® website. Instant quotes are available.

For existing customers, making claims is easy. The process of filing your claim is as simple as filling out a few short questions on the company’s Request Service form or calling them by phone.  Finding your account executive is as easy as searching by ZIP code, and for contractors, OneGuard® makes the application process both informative and easy.

OneGuard® Home Warranty Versus Competitors

OneGuard® offers similar system and appliance coverage to its competitors. Unlike most of the competition, however, OneGuard® proves strong in maintenance and services. The OneGuard® home maintenance service not only prevents systems and appliances from breaking down, it offers added bonuses like a ceiling fan and light fixture installation.

When compared to its sister company, American Home Shield (AHS), OneGuard® offers more home maintenance services. AHS offers a more prominent technician network and operates in every state except Alaska, while OneGuard® operates in just 3 states.

Overall

Overall, OneGuard® is one of the best home warranty companies out there. The company focuses not only on fixing what’s broken but also stopping the breakage from happening in the first place. Service plans even go so far as installing particular items like lighting fixtures and ceiling fans.

Even though OneGuard® rates 5 stars across the board in all the aforementioned categories, it gets just 4.5 stars overall because of one drawback: It’s only available in three states. Although still a small and growing company, OneGuard® offers some of the best and most comprehensive services out there. In time, geographical coverage is sure to expand.

Frequently Asked Questions

Who owns OneGuard® Home Warranty?

OneGuard® Home Warranty is owned by American Home Shield (AHS), one of the oldest and largest home warranty service companies in the business. AHS acquired OneGuard® in 2016.

Are home warranties a one-time payment?

Home warranty contracts are typically drawn up for a period of one year. While most customers make monthly premiums, payment for the whole year is accepted. In some cases, companies will even discount for annual prepayment.

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About Philip Loyd, Licensed Insurance Agent

Loyd has written for Forbes.com, Red News Real Estate, Therapist.com, IRA.com, McGraw Hill, TheStreet.com, WikiHow, GOBankingRates.com, S.R. Education, Society of Petroleum Engineers and BioTech Fortunes. He is a licensed insurance agent and financial advisor with both his series 6 and 7 certifications.