American Residential Warranty Review

Choose your own licensed contractor, but response times are slower than average

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American Residential Warranty

American Residential Warranty

overall rating

Our Take

American Residential Warranty is one of few home warranty companies that allow homeowners to choose their own contractors to complete repairs if their appliances or home systems break down. The company offers plans starting at just $35 per month.

  • Pros and Cons
  • Key Takeaways
  • Specifications
Pros and Cons
  • Offers coverage for electronics

  • You can use your own licensed contractor

  • Plumbing stoppages are covered

  • Coverage is provided by partners for some states

  • Confusing to know which partners you're working with

  • Average response time is 36 hours, somewhat slower than average

Key Takeaways
  • Homeowners can choose their own contractor 
  • ARW offers coverage in all states
  • A technician is dispatched within 48 hours, and 24-hour service is available for emergencies
  • Trade service fees start at just $55 
  • Plumbing stoppages are covered.
  • Year Founded 1946
  • Coverage Nationwide (excluding California, Virginia, Florida, Iowa, Washington, and Texas).
  • Customer Service 24/7/365 online or by telephone 800-910-8538
  • Waiting Period 30 days
  • Contractor Network Network of licensed contractors. Customers may also use their own licensed contractor with pre-approval.
  • Service Recall Period Labor guarantee of 30 days. Parts guarantee of 60 days.
  • Number of Plans 6
  • Coverage Limit $5,000 annual cap (extensions to cap available upon request). Other caps apply (see payout cap section above).
  • Contract Length 12 months
  • Payment Options The company reserves the right to provide a replacement or reimbursement towards the cost of replacement in lieu of service.
  • Cost Trade service call fee $55. Plans range from $24.99 to $109.99 per month.
  • Official Website
Table of Contents
American Residential Warranty Review
American Residential Warranty

American Residential Warranty

overall rating

American Residential Warranty (ARW) provides home warranty plans to both homeowners and real estate professionals. Its coverage options are unique compared to competitors, including coverage for electronics and plumbing stoppages. We liked American Residential Warranty so much, we chose it as our winner for Best Overall home warranty provider.

In addition to offering electronics coverage, we also like the fact that ARW allows you to choose your own licensed contractor. You can also use one of its licensed service technicians if you prefer.           

We reviewed the coverage offered by ARW to help you decide if it offers the right protection for your unique home repair needs. We considered plan options, pricing, exclusions, payout caps, and more.

Company Overview

American Residential Warranty is headquartered in Boca Raton, Florida, and provides home warranties and electronics protection. ARW offers three total plans with optional coverage add-ons in all states.

Although coverage is provided in all 50 states, the company provides coverage through partners for customers in certain states. AMT Home Protection Company provides and administers coverage for California residents. TMI Solutions LLC provides and administers coverage for Iowa, Texas, and Virginia residents.

Ultimate Electronics Protection is provided and administered by Asurion Service Plans Inc.

Homeowner Plans 

American Residential Warranty offers plans to both homeowners and real estate professionals plans.

The three plans offered to homeowners include Kitchen Plus, Platinum Premier, and 4-in-1 Bundle. The 4-in-1 Bundle package include electronics coverage, but this coverage can be added on to the other two plans.

Here's what's covered in each plan:

Coverage 4-in-1 Bundle Platinum Premier Kitchen Plus
Interior electrical system
Built-in microwave
Garbage disposal
Kitchen exhaust fan
Water heater
Central air conditioning
Central home heating
Plumbing system
Plumbing stoppages  ✓
Garage door opener  ✓
Ceiling fans  ✓
Washer/dryer  ✓
Deluxe Advantage*  ✓  
Ultimate Electronics Protection** ✓   
Sewer & water lines***  ✓    

*Deluxe Advantage includes: 

  • A/C refrigerant and coils
  • Refrigerant recapture
  • Plumbing faucets and fixtures
  • Toilets and internal mechanisms
  • Improper installation
  • Mismatched systems
  • Garage door springs/tracks

**Ultimate Electronics Protection includes (certain limits and exclusions apply):

  • Laptops
  • Desktops
  • Tablets
  • Flat panel/plasma TVs
  • Printers
  • Gaming consoles

*** Sewer & water lines coverage includes:

  • Repairs
  • Unblocking lines
  • Excavation costs
  • Reseeding grass
  • Repaving the driveway

The 4-in-1 Bundle provides the most comprehensive coverage, but you can also add on pool and spa coverage for an additional fee.

Here are the add-ons available for the Platinum Premier and Kitchen Plus plans:

Add-On  Platinum Premier  Kitchen Plus
Washer/Dryer  ✓  ✓
Pool/Spa Combo  ✓  ✓
Water/Sewer Line Combo  ✓  ✓
Ultimate Electronics Protection  ✓  ✓

Homeowner Plan Pricing

American Residential Warranty offers two payment plan options: monthly or annual. Pricing listed in the chart below is per month.

State Kitchen Plus Platinum Premier 4-in-1 Bundle
California $34.99/month $49.99/month $59.99/month
Florida $34.99/month $49.99/month $59.99/month
New York $34.99/month $49.99/month $59.99/month
Texas $34.99/month $49.99/month $59.99/month

Real Estate Plans

American Residential Warranty also offers plans to real estate professionals. These three plans include Home Premier, Home Complete, and Home Essential Plans. The annual cost for each package is $750, $650, and $550, respectively.

Here's what's included in those packages:

Appliance/System Home Premier Home Complete Home Essential
Central Air Conditioning (including coils)  ✓  ✓  ✓
Central Home Heating
Interior Electrical System
Ceiling Fans
Kitchen Exhaust Fan
Garage Door Opener
Garage Door Springs & Tracks
Plumbing System (including faucets, fixtures, and toilets) ✓ 
Water Heater (including failure due to sediment) ✓ 
Plumbing stoppages
Refrigerator (including ice maker)
Refrigerant/Refrigerant Recapture/Disposal
Clothes Washer/Dryer  
Garbage Disposal
Built-In Microwave
Range Hood
High-End Appliances
Water Line  
Sewer Line

Coverage for clothes washers and dryers, as well as sewer and water lines is available as an add-on for the Home Essential plan. A seller's option is also available for an additional $75.


Most home warranty companies have exclusions on the appliances or systems they cover, and American Residential Warranty is no different. You can find the exclusions on the company's terms and conditions page. ARW's exclusions are pretty typical when compared to its competitors.

Appliance/System   Exclusions
Built-in Microwave Countertop units, door glass, clocks, rotisseries, interior linings, or cosmetic issues such as scratches, dents, or chipping.
Kitchen exhaust fan Rooftop exhaust units, filters, or cosmetic issues such as scratches, dents, or chipping.
Ceiling fans Remote transmitter units, light fixtures on ceiling fans, removable attachments, and wall fans. 
Range/oven/cooktop Clocks, meat probe assemblies, rotisseries, racks, handles, knobs, sensi-temp burners, or cosmetic issues such as scratches, dents, chipping, or breakage of an oven door, or glass/ceramic cooktop.
Dishwasher Baskets, rollers, racks, or cosmetic issues such as scratches, dents, or chipping.
Range hood Rooftop exhaust units, filters, or cosmetic issues such as scratches, dents, or chipping. 
Garage door opener Cables, springs, handles, wheels, wheel track, track assembly, doors, hinges, remote transmitters, frequency interference, lights, or exterior-mounted keypads.
Refrigerator (including ice maker) Chilled water dispenser and respective parts, food spoilage, media centers, or cosmetic issues such as scratches, dents or chipping, springs, hinges, liners, baskets, racks, rollers, handles, or shelves. 
Garbage disposal Any damage or failure resulting from bones or foreign objects.
Whole-house humidifier  Portable room humidifiers, wicks, filters, demineralization cartridges, UV light bulbs, and bacteria treatment additives or cosmetic issues such as scratches, dents, or chipping. 
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 T&P discharge lines.
Central home heating system 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. 
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/shortage or 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.
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 a refrigerator, any repairs necessary in order to access interior lines or pipes, and for stoppages: any damage or failure caused by roots, collapsed, broken or damaged lines located outside the confines of the main foundation of the covered residence (regardless of proximity to 100 ft access point), access of drain or sewer lines from roof vents, removal of a toilet, and costs associated with locating, accessing, or installing a ground-level cleanout.
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 designed and intended by the manufacturer. ductwork: insulation, anything related to asbestos, registers, grills, dampers, improperly sized ductwork, diagnostic or leak location testing to ductwork (including that which may be required by law, regulation, ordinance or code, and that which may be required due to the installation or replacement of system equipment), ductwork outside the perimeter of the covered residence or respective crawl space, collapsed or crushed ductwork, ductwork damaged by moisture, animal inhabitation or insect infestation, or obstructed or inaccessible ductwork (obstructions include, but are not limited to: walls, floors, ceilings, built-in appliances, systems, and cabinets). 
Clothes washer Removable mini-tubs or buckets, soap dispensers, filters and filter screens, knobs and dials, clothing damage, water flow restrictions due to mineral deposits, drawers, or cosmetic issues such as dents or scratches. 
Clothes dryer Venting, knobs and dials, clothing damage, lint filters, and lint screens, dryer cabinet, fragrance compartment, humidity center, or cosmetic issues such as dents or scratches. 
Swimming pool/spa Seals and hoses, automatic dispensers for chemicals, lights, liners, structural defects, solar equipment, jets, ornamental fountains, waterfalls and respective pumping 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.
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/or cover (unless owned by you), lawn or fire sprinkler systems, any leaks inside the residence beyond the main shut-off valve in the home, sod, shrubbery, landscaping, flowerbeds, trees, or mulch that must be moved in order to repair a service leak or perform other work (such will be replaced with grass seed).
Well pump system Well casings, pressure tanks, piping or electrical lines to or that connect the well pump with your residence, holding, or storage tanks, re-drilling of wells.
A/C Advantage Replacement of the A/C unit, including heat pump, and all other exclusions listed in the applicable “base coverage plan” or “optional upgrade” that provides coverage for your central air conditioning system. 

Payout Caps

American Residential Warranty’s payout is capped at $2,500 per item per year. This is fairly standard when compared to its competitors.

Repair Time

The company will dispatch a repair technician to your home to complete repairs within 48 hours from the time you report the claim. ARW will expedite emergency repair services by attempting to have a service technician to your home within 24 hours. 

Customer Service/Claims

The company defines emergency repairs service 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.”

You can contact ARW for customer service or billing questions by calling 877-626-4930. For claims, call 844-508-8886 or submit your claim online.

The Competition: American Residential Warranty vs. Super

To help you find the home warranty of most value, we compared the coverage offered by American Residential Warranty versus Super home warranty. We like the number of home systems and components covered by Super Home Warranty (39) compared to ARW (20). Super's response time also beats out ARW's.

However, Super only offers plans in eight states whereas ARW offers coverage in all 50 states. ARW's plans are also significantly more affordable. Given its wider accessibility and better pricing, this head-to-head competition goes to ARW.

Key Specs American Residential Warranty Super Home Warranty
Number of Plans 3 3
Availability All 50 states 8 states and Washington, D.C.
Coveraged Appliances and Systems 20
Average Annual Cost $554.88 $892.33
Workmanship Guarantee 30-days on labor; 60-days on parts 60-day
Final Verdict

There are many things to like about American Residential Warranty but there are a few drawbacks. We like ARW’s option to choose your own contractor and its electronics coverage option with plans that are affordable, beginning at only $24.99 monthly and a low trade service fee of $55. However, the number of home systems and components covered are lacking compared to other providers. 

The payout caps are comparable to competitors and coverage is offered in all states. Unless you have a very large home with extensive home systems and components, ARW's plans will meet the average homeowner’s home repair needs. 


We reviewed the top 25 home warranty companies representing the vast majority of the overall market share based on 875 data points we collected. This data was collected through online and direct company phone and email outreach across a total of 35 scoring criteria.

A customer survey comprised of 538 current, past, and prospective home warranty customers offered valuable input about the criteria the meant the most to them when choosing a provider.

Read our complete methodology.