Home warranties are a great way to protect your home’s appliances and major systems in the event of a failure. You pay a monthly fee, and when a covered item breaks down, you just make a claim, and a service tech repairs the issue. Two of the best home warranty companies are Sears Home Warranty (SHW) and American Home Shield (AHS). While they share some similarities, like various plan levels and coverage, they each have their own strengths and weaknesses.

Choosing between these two home warranty companies can be difficult. This is why we thoroughly vetted both to ensure they have great coverage, reasonable pricing, good customer service, and plenty of optional add-on coverage. We stacked Sears Home Warranty and American Home Shield against each other so you can decide which is best for your home.

Our Take

Both Sears Home Warranty and American Home Shield have great home warranty plans, coverage, and affordable pricing. But, American Home Shield plans are the most affordable and cover more home systems and appliances. However, Sears Home Warranty has lower home service fees and other incentives like discounted oil changes and 25% repairs of HVAC systems and water heaters.

Compare Sears Home Warranty vs. American Home Shield

Sears Home WarrantyAmerican Home Shield
Our rating4.5/54.7/5
Plan options3 plans3 plans
Monthly premiumAppliance Plan: $49.99/month; $599.88/year

Systems Plan:$59.99/month; $719.88/year

Whole House Plan: $69.99/month; $839.88/year
Shield Silver: $24.99 to $39.99/month; $347.88 to $527.88/year

Shield Gold: $34.99 to $49.99/month; $467.88 to $647.88/year

Shield Platinum: $54.99 to $69.99/month; $711.24 to $891.24/year
Service feesAppliance Plan: $75

Systems Plan: $75

Whole House Plan: $100
Shield Silver: $75, $100, or $125

Shield Gold:$75, $100, or $125

Shield Platinum: $75, $100, or $125
AvailabilityAll 50 U.S. states49 U.S. States (not AK)
BBB ratingA-B
Years in business23+50+

Sears Home Warranty vs. American Home Shield Coverage

American Home Shield’s plans cover more items than Sears Home Warranty’s plans. For example, SHW’s Whole House Plan covers 21 systems and appliances, while AHS’s comparable Shield Platinum Plan covers 27 units. The companies have comparable coverage limits and exclusions.

Sears Home Warranty Coverage and Plans

Sears Home Warranty offers three plans, an appliance plan, a systems plan, and a combo plan for systems and appliances. All plans have optional add-ons for less common systems and appliances, like second refrigerators, pools, spas, sump pumps, sewage ejector pumps, ice makers, etc.

Covered Appliance or SystemAppliance PlanSystems PlanWhole House Plan
Air conditioning system / cooling system
Central heating system
Electrical system
Plumbing system
Plumbing stoppage
Water heater
Water softener
Whirlpool bathtub
Oven/range /stove
Built-in microwave
Garbage disposal
Clothes washer
Clothes dryer
Garage door opener
Ceiling and exhaust fans✓ (exhaust only)
Built-in trash compactor

Sears Home Warranty Optional add-ons available for coverage:

  • Pool and spa equipment
  • Septic tanks
  • Well pumps
  • Stand-alone freezers

To get a free quote from Sears Home Warranty, fill out its form here or call 872-766-4232.

To learn more details about this home warranty provider and its plans, read our full Sears Home Warranty review.

American Home Shield Coverage and Plans

American Home Shield also has three plans, but unlike SHW, its plans have varying levels of covered items for both systems and appliances. Homeowners have the option of adding several add-ons to any home protection plan. Add-ons include pools/spas, electronics, pumps, and guest houses.

Covered Appliance or SystemShieldSilverShieldGoldShieldPlatinum
Air Conditioner
Smoke Alarms
Attic Fans
Bath Exhaust Fans
Ceiling Fans
Cooktop Exhaust Fans
Garbage Disposal
Clothes Dryer
Electrical System
Garage Door Opener
Heating System
Plumbing System
Plumbing Stoppages
Roof Leaks
Trash Compactor
Clothes Washer
Hot & Cold Water Dispenser
Water Heater
Whole House Fan

American Home Shield Optional add-ons available for extra covered items:

  • Pools and spas- all parts of one heating, filtration, and pumping system
  • Well pumps
  • Septic systems
  • Sewage ejector pumps
  • Guest house, up to 750 square feet
  • TVs
  • Desktop computers
  • Laptops
  • Tablets,
  • Home theater systems
  • Smart home products
  • Gaming systems
  • And more

For a free AHS quote, fill in its online quote request form or call 888-365-2839.

Read our full American Home Shield review to get all the information you need on the company and its plans.

Sears Home Warranty vs. American Home Shield Cost

Sears Home Warranty and American Home Shield both have affordable premium and service fees. However, AHS has the most affordable plans among the two. Plus, its plans cover more appliances and systems. Service fees are about the same – SHW’s are $75 or $100, depending on the plan, and AHS’s are $75, $100, or $125 (depending on what the homeowner chooses).

Sears Home Warranty Cost

Sears Home Warranty’s plans are pretty straightforward. If you want appliance coverage, select the Appliance Plan. For just home systems coverage, pick the Systems plan. For coverage of both, choose the Whole House plan.

Home Warranty PolicyMonthly PremiumService Fee
Appliance Plan$49.99$75
Systems Plan$59.99$100
Whole House Plan$69.99$100

American Home Shield Cost

AHS’s plans are unique in that homeowners can choose their monthly rate and service call fee for each plan.

For example, if a homeowner chooses the ShieldGold Plan, they can pick a monthly fee of $34.99 and a service fee of $125. But if they want a lower service fee, they can choose a higher monthly premium. In that case, they will pay $49.99/month, and their service call fee will be $75.

Home Warranty PolicyMonthly PremiumService Fee
ShieldSilver$24.99 to $39.99$75 to $125
ShieldGold$34.99 to $49.99$75 to $125
ShieldPlatinum$54.99 to $69.99$75 to $125

Sears Home Warranty vs. American Home Shield Reviews

Sears Home Warranty and American Home Shield have similar average customer ratings. SHW has an A- rating on the Better Business Bureau vs. AHS’s B rating. As you scan over the consumer ratings in the table, keep in mind that many people only submit a review if they had an issue and those with good experiences rarely take the time to submit a rating. With that in mind, here are their ratings:

Home Warranty Customer Reviews Comparison

Sears Home WarrantyAmerican Home Shield
BBB ratingA-B
Average star rating1.1 BBB

1 Yelp

1.5 Trustpilot
2.3 BBB

1 Yelp

1.9 Trustpilot
Number of online customer reviews956 BBB

375 Yelp

937 Trustpilot
9,790 BBB

127 Yelp

2,449 Trustpilot
BBB accreditationYesYes

Sears Home Warranty Customer Reviews

Here are a few of the BBB reviews from Sears Home Warranty customers:

“The technician for Sears Home Warranty will give an appointment date and not show. No show no call I pay 76.00 a month and can’t get service. The last time I needed an element reached in my oven took about a month on that because fo the same thing making apps and getting no show no calls. This service is terrible. I am going to have to drop it.” – Sharon C.

“Our service tech ( Bradley) was great! Came to our home and repaired washing machine on date he quoted us when he came to diagnose the problem. Very professional and polite. He did an excellent job. We are very satisfied with this service. Washing machine works great.” -Sandy K.

American Home Shield Customer Reviews

Here are a couple of reviews from the Better Business Bureau from customers of American Home Shield:

“Great service! Our furnace broke and I was able to request service online. Within a day, our contractor came out. He was very professional and fixed our furnace in a timely manner. We LOVE the security of having a home warranty that covers all our appliances and major systems. Definitely recommend.” – Jamie E.

“Another great experience with American Home Shield. Coverage was as per contract and scheduling service was quick and easy. Service tech arrived quickly as promised, was pleasant, very professional and competent. Problem with our central air conditioning was identified and repaired quickly. Couldnt be more pleased!” – Richard J.

“My furnace broke down in the middle of winter and everything went smoothly with AHS. The repair company they sent arrived in good time, the person was professional and knowledgeable and my heater was fixed and working again. Very pleased and the process was very easy for me.” – Sarah L.

Final Thoughts

While Sears Home Warranty has plenty of covered appliances and extra benefits, we recommend American Home Shield for most homeowners. AHS has more affordable costs, the ability to choose your own service fee, fast response to service requests, and several optional add-ons to ensure your home is fully protected. But, if AHS isn’t available in your state or you want discounted oil changes at Sears Auto Centers and a longer 180-day workmanship guarantee, SHW is still a great choice.

FAQs about Home Warranties

What does a home warranty cover?

A home warranty covers the repairs and replacements of major home systems and appliances. These can include kitchen, laundry, and other appliances as well as home systems such as AC units, furnaces, water heaters, etc. However, what is and is not covered varies between home warranty companies and plans, so check the service contract or call your home warranty provider to verify.

What is the home warranty waiting period?

A home warranty waiting period is the time it takes for a home warranty policy to start covering your home after signing up. Most home warranty companies have a 30-day waiting period, but the length is as short as ten days for certain home warranty companies.

Is a home warranty worth it?

Yes, a home warranty policy is usually worth it. Home warranties give you peace of mind knowing that expensive repairs and replacements are covered in the event of failures. If your home has a major appliance breakdown, it could save you hundreds to thousands of dollars in repair or replacement costs.

Today's Homeowner Home Warranty Ranking Methodology

At Today's Homeowner, transparency and trust are our most important values for the reader.

To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.

We developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria. We used a five-point scale with a point index ranging from 0.00 to 1.00. The minimum awardable value is 0.0, whereas 1.00 is the maximum. These numeric points are translated into star ratings, using whole star increments between one and five.

Here is a quick breakdown of our five core scoring categories:

  • Coverage (0.4): This category evaluates the scope of protection offered by a home warranty provider. We clearly distinguished between limited or broad coverage to help homeowners identify their own home protection needs. We also factor in claim turnaround times, average waiting period lengths, plan types, annual coverage limits, policy exclusions, etc.
  • Cost (0.3): This category considers what home warranty companies charge homeowners monthly, annual, and out-of-pocket. We urge homeowners also to consider the cost-to-value ratio of a home warranty plan.
  • Transparency and Trustworthiness (0.15): This category evaluates home warranty providers based on pending or past legal action, hidden fees, lack of information readily available on the website, exclusions, and more. We consider how upfront a company is to its potential policyholders, which says a lot about its products and services.
  • Customer Support and Satisfaction (.09): This category evaluates the efficacy of a home warranty company’s effort to provide supportive guidance to inquiring customers and how policyholders are satisfied with the assistance they receive.
  • Customization (.06): This category evaluates the ability of homeowners to adjust and choose their policy details, such as pricing variation, optional add-ons, and the number of plans available.

Editorial Contributors
Jonathon Jachura

Jonathon Jachura


Jonathon Jachura is a two-time homeowner with hands-on experience with HVAC, gutters, plumbing, lawn care, pest control, and other aspects of owning a home. He is passionate about home maintenance and finding the best services. His main goal is to educate others with crisp, concise descriptions that any homeowner can use. Jon uses his strong technical background to create engaging, easy-to-read, and informative guides. He does most of his home and lawn projects himself but hires professional companies for the “big things.” He knows what goes into finding the best service providers and contractors. Jon studied mechanical engineering at Purdue University in Indiana and worked in the HVAC industry for 12 years. Between his various home improvement projects, he enjoys the outdoors, a good cup of coffee, and spending time with his family.

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Roxanne Downer


Roxanne Downer is a commerce editor at Today’s Homeowner, where she tackles everything from foundation repair to solar panel installation. She brings more than 15 years of writing and editing experience to bear in her meticulous approach to ensuring accurate, up-to-date, and engaging content. She’s previously edited for outlets including MSN, Architectural Digest, and Better Homes & Gardens. An alumna of the University of Pennsylvania, Roxanne is now an Oklahoma homeowner, DIY enthusiast, and the proud parent of a playful pug.

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