Allied Home Warranty Review (2020)

Big custom made luxury house in the suburbs of Vancouver, Canada.
 Allied Home Warranty was a Texas-based company established in 2004 but is now owned by OneGuard Home Warranties. Learn more about your coverage options.| Photo Credit: Shutterstock © romakoma

Based in Texas, Allied Home Warranty opened in 2004 but was sold to OneGuard Home Warranties in August 2018. Below, we’ll explain what coverage is available and what other provider you should look into when shopping for the best home warranty.

In our research, we found American Home Shield to be the best overall home warranty provider for its nationwide availability and comprehensive plans. 

Call 844-529-9298 or enter your ZIP code to get a quote from American Home Shield, then compare it to what’s available from OneGuard Home Warranties.

In This Article:

Today’s Homeowner works with an independent reviews team to create evidence-based research that helps our readers make informed decisions. The reviews are always independent. For transparency, we may be compensated if you purchase through a link.


OneGuard Home Warranties Overview

OneGuard Home Warranties was founded by property managers in 1990 and has grown into a one-stop-shop for home care and maintenance. The company offers a unique combination of home warranty plans and home maintenance services, such as pest control and carpet cleaning. Through its products, OneGuard Home Warranties helps homeowners save money, energy and time. Its plans are available in Arizona, Nevada and Texas.


Coverage from OneGuard Home Warranties

OneGuard offers three home warranty plans for existing homeowners — ApplianceGuard, SystemGuard and HomeGuard. 

  1. ApplianceGuard is the appliance-exclusive plan. 
  2. SystemGuard provides coverage for systems such as plumbing, heating and the electrical system.
  3. HomeGuard is the most comprehensive plan and covers both appliances and systems, as well as all of OneGuard’s maintenance services.

All three plans come with additional services like window cleaning, pest control treatment and carpet cleaning. Here’s an overview of what’s protected.

Items ApplianceGuard SystemGuard HomeGuard
Kitchen appliances ✔️   ✔️
Kitchen refrigerator with ice maker and dispenser ✔️   ✔️
Dishwasher ✔️   ✔️
Range/oven/cooktop ✔️   ✔️
Built-in microwave ✔️   ✔️
Garbage disposal ✔️   ✔️
Instant hot water dispenser ✔️   ✔️
Trash compactor ✔️   ✔️
Washer and dryer ✔️   ✔️
Air conditioning    ✔️ ✔️
Heating    ✔️ ✔️
Plumbing   ✔️ ✔️
Plumbing stoppages   ✔️ ✔️
Water heater   ✔️ ✔️
Electrical system   ✔️ ✔️
Ceiling and exhaust fans   ✔️ ✔️
Central vacuum   ✔️ ✔️
Smoke detectors   ✔️ ✔️
Doorbells     ✔️
Garage door opener   ✔️ ✔️
Equipment disposal     ✔️
Permits and code upgrades     ✔️
Air conditioning and heating system tune-ups   ✔️ ✔️
Garage door tune-ups   ✔️ ✔️
Rekey and garage remote reprogram ✔️ ✔️ ✔️
Carpet cleaning service ✔️ ✔️ ✔️
Window cleaning service ✔️ ✔️ ✔️
Dry vent cleaning ✔️ ✔️ ✔️
Pest control treatment ✔️ ✔️ ✔️
Termite treatment ✔️ ✔️ ✔️
Lawn pre-emergent weed control ✔️ ✔️ ✔️
Lawn weed kill treatment ✔️ ✔️ ✔️
Lawn fertilization ✔️ ✔️ ✔️

Note that coverage may vary based on whether you live in Arizona, Nevada or Texas.

Optional Coverage

With add-ons, you can customize any standard plan to your home. OneGuard Home Warranties has a wide range of options available:

Add-ons ApplianceGuard SystemGuard HomeGuard
Undetectable pre-existing conditions coverage* ✔️ ✔️ ✔️
Built-in pool/spa ✔️ ✔️ ✔️
Salt water pool/spa ✔️ ✔️ ✔️
Additional pool pump/water feature ✔️ ✔️ ✔️
Additional freestanding refrigeration ✔️   ✔️
Upgrade to built-in kitchen refrigerator ✔️   ✔️
Additional built-in kitchen refrigerator ✔️   ✔️
Additional freestanding kitchen refrigerator ✔️   ✔️
Additional built-in microwave ✔️   ✔️
Additional dishwasher ✔️   ✔️
Additional range/oven/cooktop ✔️   ✔️
Second washer and dryer ✔️   ✔️
HVAC equipment incompatibility coverage   ✔️ ✔️
Extended mainline plumbing   ✔️ ✔️
Sprinkler system and timer   ✔️ ✔️
Additional sprinkler valve   ✔️ ✔️
Water softener and reverse osmosis filtration system   ✔️ ✔️
Guest house     ✔️

*If you purchase this add-on, OneGuard will cover malfunctions caused by undetectable conditions as long as the failure is a result of normal wear and tear. Known defects are not covered by this upgrade. 

Coverage Exclusions with OneGuard Home Warranties

Home warranty plans don’t always cover every single part of an appliance or system. Here are a few examples of what is and isn’t covered by OneGuard Home Warranties. For a complete overview, read the details on each item on OneGuard’s website. 

Kitchen Appliances

There are several components in major kitchen appliances excluded from coverage. These include detachable accessories, shelves, hinges, light bulbs and all other parts that don’t affect the appliance’s primary operation.

Carpet Cleaning Service

OneGuard Home Warranties provides one carpet cleaning service per term in up to three rooms or not more than 600 square feet. What’s excluded from coverage is permanent stain removal, pet urine and/or feces stains, pre-existing carpet damage and any other tough stains that may require enzyme treatments.

Washer and Dryer

All components that do not affect the main operation of a washer and dryer will not be covered.

Other than component-based exclusions, there are several general exclusion standards. For example, OneGuard Home Warranties does not cover systems and appliances under a manufacturer’s warranty or a homeowner’s insurance policy, nor do they cover systems classified as commercial. A more comprehensive list of exclusions should be available in your contract under the “Limitations of Liability” section.


Cost of OneGuard Home Warranties

Plans prices from OneGuard Home Warranties vary by state and the amount of coverage. Including add-ons to your plan will increase the cost, as well. Here’s a summary of starting monthly prices.

State ApplianceGuard SystemGuard HomeGuard
Arizona $29 per month  $38 per month $50 per month
Texas $30 per month or as low as $324 per year $44 per month $56 per month
Nevada $25-$27 per month or $300 per year $34-$37 per month or $420 per year $50-$57 per month or $660 per year

These plans are very reasonably priced, especially since they include home care services, too. HomeGuard will cost under $60 a month for a total of 33 systems, appliances and services covered. You can save money by paying up front for the whole year. 

Add-ons are priced on a per item basis, and the cost varies slightly by state. We recommend calling OneGuard for accurate pricing. As an example, here is a general breakdown of add-on costs for Nevada homeowners.

Modern luxury hi-tek black and white kitchen interior, clean design
Photo Credit: Shutterstock © Serghei Starus
Add-on Price per month Price per year
Undetectable pre-existing conditions $7  $84
Built-in pool/spa (chlorine) $18 $216
Built-in pool/spa (salt water) $33 $396
Additional spa/pool pump (per unit) $8 $96
Built-in kitchen refrigerator upgrade $15 $180
Additional refrigeration units (per unit) $5 $60
Sprinkler system and timer $5 $60
Extended mainline plumbing $8 $96
Water softener $6 $72
HVAC equipment incompatibility protection $10 $120
Guest house $23 $176

As you can see, the prices for add-ons range from $5 to $33 a month, and there are no discounts available if you pay for the whole year up front. 

OneGuard Home Warranties allows you to purchase an annual plan, or pay in monthly installments, but note that you will be charged a $2 administrative fee per month. Also, those who opt for a monthly plan will have to make the first and last payment in advance.

OneGuard Home Warranties also charges a $69 service fee each time a contractor visits your home. This is slightly lower than the industry average of $75 per call. The service fee must be paid at the time a service request is scheduled. You are obligated to pay the service fee even if:

  • The service request is cancelled while the contractor is on their way to the house.
  • Required access isn’t provided to perform the necessary repairs.
  • The contractor’s diagnosis results in coverage denial.
  • OneGuard Home Warranties approves your request for a second opinion, and the resulting outcome is the same as the first opinion.

All the repairs made by OneGuard’s contractors are guaranteed for 30 days. That means if the system or appliance fails again within 30 days, you will not be charged a service fee.

Maximum Coverage Cap with OneGuard Home Warranties

Just like other home warranty companies, OneGuard has annual limits to what it will spend for the repair and replacement of a specific system, appliance or service. If the repair cost exceeds the cap for that year, you will have to pay the difference out of pocket.

Here’s a rough overview of OneGuard Home Warranties’ coverage cap.

Home System or Appliance Coverage Cap
Kitchen appliances $2,500 each
Air conditioning  $1,500
Plumbing  $500
Permits and upgrades $250
Built-in pool/spa $1,000
Additional freestanding refrigeration unit $1,000
Upgrade to built-In kitchen refrigerator Adds another $2,500 to the coverage of kitchen refrigerator, bringing the cap to $5,000
Additional built-in kitchen refrigeration unit $5,000
Additional freestanding kitchen refrigerator $2,500
Extended mainline plumbing $1,000
Water softener and reverse osmosis filtration system $500

Quotes and Claims with OneGuard Home Warranties

To get an instant quote from OneGuard Home Warranties, either fill out the quote request form online or call at 888-896-0014.

When a covered system or appliance fails, OneGuard Home Warranties recommends turning it off to prevent further damage and calling the company at 888-896-0014. You can also file a claim online through your OneGuard Home Warranties account.

Under normal circumstances, OneGuard will connect you with an authorized contractor within four business hours, or within 48 hours on weekends or holidays. The contractor will then get in touch with you to set up an appointment.

OneGuard Home Warranties takes emergency service requests too. Here’s what they classify as an emergency: 

  • Plumbing failure that causes severe interior flooding
  • Complete loss of heating or cooling during extreme temperature
  • Significant loss of electrical or any other system that renders the home uninhabitable

While OneGuard will make every effort to expedite an emergency service, the company only provides 24-hour emergency service for interior flooding due to plumbing failure.

If you choose to expedite normal, non-emergency service, you will be responsible to pay any additional fee out of pocket. 


Reviews of OneGuard Home Warranties

OneGuard Home Warranties is accredited by the Better Business Bureau (BBB) and holds an A+ rating, which is the highest grade a company can earn. They have also received an impressive 4 out of 5 star rating based on more than 300 customer reviews.

OneGuard has no shortage of positive testimonials from customers who rave about the company’s excellent service, quick responses to enquiries and friendly customer representatives. Some customers mentioned that OneGuard Home Warranties let them continue working with the same service contractor whose work they previously liked. The negative reviews are far and few between and mainly seem to stem from not being aware of the exclusions.

Here are some customer reviews we found on BBB:

“We purchased OneGuard at the end of March 2020. Best thing we’ve ever done. Customer service agent was informative, clear spoken and very helpful with an answer to all our questions. Within a month, our A/C unit stopped on a weekend. OneGuard sent out a terrific technician, and within a couple days … our home is cool again. Thank you OneGuard … we’ll recommend you to all our family and friends! We’ll never be without a warranty again!”

– C. David E, May 2020

“Excellent service! The customer service agent was a pleasure to work with. Answered all my questions and responded to calls quickly. I’m all set up with my home warranty now and pleased with service so far.”

– David S., January 22, 2020

“The agent at OneGuard was so friendly and helpful to resolve my issue. We have had a home warranty with OneGuard for almost 10 years, and they are so prompt at issuing the request and a service company calls me within four hours to schedule but it’s usually within one hour. I highly recommend this company.”

– Holly W., January 2020

Our Assessment of OneGuard Home Warranties

OneGuard Home Warranties is one of the oldest home warranty companies out there. Not only does the company have a whopping four decades of experience in this industry, but the customer service has very positive reviews. 

While researching plans from OneGuard Home Warranties, we were impressed by the eclectic selection of home maintenance services. We believe these services can definitely help homeowners save money in the long run and maintain the well-being of their home.

From our experience, the few home warranty companies that do provide home maintenance services usually stick to pest control or rekey. OneGuard Home Warranties provides carpet cleaning, window cleaning, sprinkler repair, weed kill treatment, landscaping and numerous other services.

Plans from OneGuard Home Warranties are very reasonably priced. They are actually lower than the industry average. Especially since every package is jam-packed with coverage and services, we believe these plans are worth every penny. Their service fee of $69 is also lower than the industry average, which ranges from $75 to $100. 

The company’s maximum limits range from $250 to $2,500, which we consider to be quite generous. If you purchase the refrigerator upgrade, you can expand the coverage limit to $5,000, which is enough to purchase a top-of-the-line refrigerator.

OneGuard Home Warranties also promises to connect you with a contractor within four business hours, which is quite fast considering most home warranty companies take 24 to 48 hours to process a service request.

All that said, sadly OneGuard Home Warranties isn’t available to the majority of homeowners, as the company only serves Arizona, Texas and Nevada.

Here’s a summary of our review of OneGuard Home Warranties:

Pros Cons
Extensive coverage options Only available in Arizona, Texas and Nevada
Home maintenance services included with home warranty plan  
Affordable monthly premiums  
Low service fee ($69)  
Covers items with undetectable pre-existing conditions  
10-day waiting period (Most companies have a 30-day waiting period.)  
Excellent BBB rating and overwhelmingly positive customer reviews  

Alternative Home Warranty Provider: American Home Shield

If you live outside the coverage network of OneGuard Home Warranties, we recommend looking into American Home Shield. This company is known as the industry founder and has almost 50 years of experience.

 

American Home Shield has four plan options, which include an Appliance Plan™, a Systems Plan™, a Combo Plan™ and a Build Your Own Plan™. A wide array of add-ons are also available.

American Home Shield’s plans are affordable, and you can choose a service fee as low as $75. Lastly, the coverage from American Home Shield is available in every state except Alaska.

  American Home Shield OneGuard Home Warranties
Plan options Appliance Plan
Systems Plan
Combo Plan
Build Your Own Plan
ApplianceGuard
SystemGuard
HomeGuard
Contract length 12 months 12 months
Monthly cost $49.99-$59.99 $25-$57
Service fee $75-$125 $69
Repair guarantee 90-day on parts and 30-day on labor 30 days
Availability 49 states (excludes Alaska) Only Arizona, Texas and Nevada
Best for Home warranty plans Home warranty and maintenance services combo
Years in service 49 40

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