HomeGuard Home Warranty: Reviews, Cost, Coverage (2021)

Modern Home in Oregon at Sunset

Learn more about HomeGuard HomeWarranty and its coverage, costs and plans in this comprehensive review. | Photo Credit: Shutterstock © Reinhardt and Co

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.

If you’re a homeowner, unexpected costs aren’t so unexpected — especially when it comes to repairing and replacing your systems and appliances. Things can always go wrong, and they often do, whether it’s your plumbing or your refrigerator. 

Home warranties exist to safeguard your finances from unplanned expenses when your systems and appliances break down from everyday wear and tear. A good home warranty plan can give you peace of mind when things malfunction.

We’ve reviewed the best home warranty providers by looking at their fees, claims processes, plans and fine print. HomeGuard HomeWarranty has been in business nearly 20 years and protects homeowners in California, Nevada, and Arizona.

While this company is an option for homeowners in those three states, American Home Shield is a good option for those who live elsewhere.

Keep reading to see what we learned about HomeGuard and whether American Home Shield is a better fit.

To get a free quote from American Home Shield, call 844-529-9298 or fill out the online form.

In This Article:

HomeGuard Overview

While HomeGuard HomeWarranty’s coverage area is limited, its focus on just three states gives it precise knowledge of the weather conditions and seasons. The company can tailor its coverage to local customers’ needs and provide trusted local contractors for services and repairs. 

HomeGuard HomeWarranty Coverage

Man repairing dishwasher. Male hand with screwdriver installs kitchen appliances, close up
Photo Credit: Shutterstock © Lazy_Bear

HomeGuard HomeWarranty offers different plans for homeowners in Arizona, Nevada, and California. 

Arizona and Nevada Plans

Systems, Appliances and Extra Features3 Star (Nevada Only)4 Star5 Star 
Central air conditioning
Mini split
No hidden freon charges
Crane, permits, code upgrades, haul away 
Improper installation, repairs or modifications 
Mismatched systems 
Trash compactor
Kitchen exhaust fan 
Built-in microwave
Garbage disposal
Instant hot/cold water dispenser
Water heater
Plumbing system leaks
Plumbing stoppages
Electrical system
Garage door opener 
Central vacuum 
Pest control
Re-key service
Service call guarantee
Limited roof leak (Nevada only)
Manufacturer warranty  
$250 supplemental blanket coverage  
Code/modification upgrade  
Stoppage coverage  
Water heater/heating system coverage  
Additional plumbing  
Radiant heat upgrade  
Enhanced slab leak and additional pipe leak Coverage  

HomeGuard also has a long list of additional add-ons, including limited roof leaks in Arizona, washers and dryers, well pumps and pools, to name a few.

California Plans

Systems, Appliances and FeaturesStandard PlanAdvantage PlanTotal Protection Plan 
Range/oven/cooktop/built-in microwave
Garbage disposal
Trash compactor
Instant hot water dispenser
Heating system
Plumbing system and stoppages
Electrical system
Central vacuum system
Garage door opener
Ceiling, attic and exhaust fans
Water heater
Pest control
Telephone wiring
Smoke detectors
Limited roof leak coverage
Improper installations and repairs 
Mismatched systems 
Limited code upgrade/modification 
Lack of maintenance 
Refrigerant recapture, reclaim and disposal  
Disposal of defective equipment 
Ice makers  
Swamp cooler pre-season tune-up  
Supplemental blanket coverage  
Zone control coverage  
Code/modification upgrade  
Stoppage coverage  
Toilet replacement  
Water heater/cooling system coverage  
Plumbing coverage  
Radiant heat upgrade  
Enhanced slab leak and additional pipe leak coverage   

HomeGuard Costs

In Arizona, the 4 Star Plan is $420 per year for a single-family home, and the 5 Star Plan is $510.

In California, the Standard Coverage Plan for a single-family home is $335, the Advantage Plan is $485 and the Total Protection Plan is $585.

In Nevada, the 3 Star Plan for a single-family home is $365, the 4 Star Plan is $470 and the 5 Star Plan is $585. 

Quotes and Claims

You can view sample contracts and order a HomeGuard protection plan online. However, beware that the plan requests billing information — there doesn’t seem to be a way to get an online quote. If you want a quote before providing billing information, we recommend contacting the company’s customer service.

Current customers can make a claim online or by phone.

Once you’ve had an appliance or system repaired, HomeGuard also guarantees the parts of that repair for 90 days and the labor for 30 days. This is a service many competitors don’t offer and gives customers some quality assurance. 

HomeGuard HomeWarranty Reviews

HomeGuard is accredited by the Better Business Bureau (BBB) and holds an A+ rating. Out of 12 customer reviews, the company has only received a one-star rating. These customers complain of poor customer service, low-quality technicians and unhonored claims.

“ … Do research before choosing a company. I bought a place in April of last year. This warranty was included with my sale. I had a cracked pipe from my basement to the second floor (which my warranty covers) and they called appliances repair, which obviously has nothing to do with plumbing. And not to mention the appliance repair guy told me he isn’t even in a contract with them anymore and hadn’t been in over a year. He told me to find a new company because they refuse to pay out for work done and will downright deny me the right company and that’s why he won’t work with them anymore . . .”

– Sarah C. on BBB, March 2020

“… They look for any reason to deny your claim. The contractors they use are horrible. They were extremely limited on who they could send out and the company that did come took six visits to try and fix one problem, kept coming back with the wrong part and wasting my time…”

– Daniel I. on BBB, October 2018

Assessment of HomeGuard HomeWarranty

Overall, the plans offered by HomeGuard HomeWarranty are comprehensive, offering unusual features like pest control. However, certain appliances that even basic home warranty plans cover aren’t included, such as the washer and dryer.

While the company has a high BBB rating, the customer reviews give us pause. The company tended to rank only two or three stars across other online reviews, as well. 

If you live in Arizona, California or Nevada, we think it’s worth comparing HomeGuard HomeWarranty to a more widely used provider: American Home Shield.

Recommended Provider: American Home Shield 

American Home Shield was founded in 1971 and said to be the inventor of the home warranty industry. This BBB-accredited business holds a B rating and nearly three stars from customers. 

American Home Shield is a favorite because it offers extensive coverage and operates in all states except for Alaska. Its coverage comes in three plans, so every kind of homeowner is sure to find something that fits their needs and budget. 

Its base plan, the ShieldSilver Plan™, covers 14 major systems. The ShieldGold Plan™ covers the systems covered by the ShieldSilver Plan™ and adds coverage for appliances up to $3,000. The ShieldPlatinum Plan™ covers all 23 systems and appliances in the ShieldGold Plan™ and adds $1,500 of roof-leak coverage. It also increases the coverage limit on appliances to $6,000.

The claims process is simple, and American Home Shield says representatives respond to customer service requests within 24 hours 98% of the time. Homeowners can select a $75, $100 or $125 service fee per visit.

Home Warranty Rating Methodology

To help you find the best home warranty, our reviews team researched numerous home warranty companies, analyzing their coverage plans, pricing and customer service, among other factors:

  • Coverage: Home warranty companies that provide extensive coverage and protect important systems and appliances, including your air conditioning, refrigerator and heating, scored higher than companies with minimal coverage.
  • Plan variety: A provider with more coverage plans allows for more flexibility among customers. In general, most home warranty companies provide an appliances-only plan, systems-only plan and combination plan.
  • Pricing: We scored providers based on their monthly plan prices and service call fees compared to the industry average pricing. Companies with more affordable coverage received more points than companies with more expensive plans.
  • State availability: Where you live will determine what companies are available in your area. Home warranty companies that covered more states received more points than companies with a limited state availability.
  • Trustworthiness: There are some home warranty companies that are scams and don’t follow through on their service agreements. We rated companies based on their years of experience, ratings on the Better Business Bureau (BBB) and customer reviews.

To keep our data current, our team regularly updates the data points for each company to ensure their coverage offerings, pricing and availability are accurate.

Further Reading:


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