FREQUENTLY ASKED QUESTIONS
We are more than happy to answer any questions you have about your personal service or coverage, but here are a few that we address often.
Why do I need a home warranty?
Aren't I already covered by my homeowners insurance?
It's not a matter of "if" you will need home repairs... it's "WHEN"! AHG's Service Contracts provide
homeowners/our customers with cost effective, hassle-free, contractual based repair services for:
utility systems, heating and cooling systems, plumbing, electrical, water heaters, disposals, major
appliances, pools, spas, and much more.
As home repair costs continue to rise, a home warranty from AHG provides protection from these
unexpected home repair bills. AHG has warranties to fit every homeowner's needs.
When your utility systems or appliances fail, the following are examples of typical home repair costs:
- Description of Item
- Heating or Cooling System Repair
- Heating or Cooling System Replacement
- Appliance Repair
- Appliance Replacement
- Plumbing Repair
- Electrical Repair
- Cost Without Coverage
- $135.00 to $1,500.00
- $1,200.00 to $5,000.00
- $95.00 to $950.00
- $250.00 and up*
- $90.00 to $1,200.00
- $70.00 and up*
- Cost With Coverage
*= See contract for details
NO! Homeowners insurance does not cover mechanical failure. Homeowners insurance covers storm, fire, flood, and consequential damage that is a result of mechanical failure.
Who can buy an AHG Warranty?
Our Home Warranties are available to ALL homeowners, landlords and property managers of single family homes, town homes, condominiums and mobile homes.
Do I have to be in a real estate transaction to purchase a home warranty?
NO! AHG believes that all homeowners should have the opportunity to benefit from the coverage we offer.
Does AHG provide coverage for Bank Owned, Foreclosed, Short Sale or For Sale By Owner Homes?
YES! Please note that all covered items must be present and be in safe correct working order on the start date of the contract. AHG STRONGLY recommends that if you are purchasing a distressed property that you have a home inspection done to make you aware of deficiencies before you purchase the home.
How do I know repairs will be done right?
AHG has assembled a network of the most reputable service providers in your area for all your repair needs. All of AHG's service and repair technicians are pre-screened and guaranteed to be qualified for the job. All repairs are guaranteed for 60-days unless otherwise noted on the invoice.
Is coverage through AHG available everywhere?
AHG currently provides coverage for homes located in Arizona, Nevada, Idaho, Utah, and Texas. However, we have aggressive growth plans to expand to other states within the next few years.
What service fees are involved and how are they applied?
Each service request requires a $60 service fee be paid when service is requested. The service fee is applied to the service provider's drive time, arrival fees, and diagnostics of the problem. Service fees are not the same as a "co-pay" or "deductible". A service fee is required for each repair that takes place.
Is there an inspection required?
No. However, it is required that all items covered by the warranty be in safe correct working order on the start date of the contract. See sections 2, 3 and 4 of the contract for more details.
What forms of payment do you accept?
We accept Visa, Master Card, Discover, personal checks, money orders and escrow checks from real estate transactions.
How does the replacement program work?
I do not know how old some of my systems and appliances are,
If a covered item cannot be repaired in a cost-effective or timely manner the following procedure will be followed per section 2.6 of the contract: AHG reserves the exclusive right to make the decision between asset repair, replacement or cash disbursement. Useful life expectancy and covered item values are based on standard grade items/components found in median priced homes. The age of covered items applies when determining deprecation value for cash disbursements. AHG is not liable to match specific features, dimensions, color or brand name. If multiple appliances, utility systems, or heating/cooling systems are at the home, the average age of all items will be applied to determine coverage limit (if applicable) and will not exceed the value based on age of the unit being repaired/replaced. AHG reserves the right to obtain a second opinion at no cost to the Contract Holder.
- AHG will replace the item with a standard grade item/components found in median priced homes that is environmentally and code compliant if the item is within its useful life, or
- AHG will provide a "cash-out" option based on the current value of the item
- Or if applicable to the specific failure, AHG will offer a gift card to a preferred vendor to allow you the opportunity to select a specific replacement.
PLEASE NOTE: AHG uses 3rd parties to establish useful life expectancy and standard grade items/components found in median priced homes. We do this to insure "neutral or unbiased" standards for us to follow.
will they be covered?
AHG will always provide some level of coverage and we do not have an age restriction or parts obsolescence clause in our contract. However, if your appliance or utility system is beyond its useful life, AHG will not offer 100% new item replacement coverage, per sections 2.3 and 2.6 of the contract.
How does the Seller's Coverage Program work?
Aggregate limit of $1,000.00 or 180 days of Standard coverage will be provided during listing period if the home is listed in the MLS by a licensed Real Estate Agent and the home is owner occupied at contract origination. At AHG's discretion, the Seller will have the option to purchase contract if the home does not sell in 180 days. By initiating Seller's Coverage, both the Seller and the Listing Agent are agreeing to pay full price for the contract at close of escrow even if the contract has expired or to reimburse AHG for the cost of any repairs. All optional items are excluded during the listing coverage period. If the Seller would like additional coverage during the listing period, they can call AHG to request a quote for short-term coverage. Seller's Coverage is not eligible for renewal and it is not available if there has already been an accepted offer and does not apply to vacant, rental or investment properties. When escrow payment is received, a 1-year contract will be issued for the Buyer. The Buyer will have up to 14 days to upgrade or add additional coverage.
Can I change my contract?
You have 14 days from the start date of the contract to make modifications to your coverage. After this 14 day period has expired the next window to make changes is at time of renewal.
Can I cancel my contract?
YES. Please see section 5 of the contract for specific details in your state.
Does AHG increase my premium at renewal time?
All AHG customers pay the same rate for coverage. We find it disturbing that our competitors think it is ok to penalize loyal customers for repeat business. Most other home warranty companies do increase your annual premium at renewal time as much as 10% to 40% per year.
Does American Home Guardian offer payment options?
Yes, we offer many payment options. We strive to meet the needs of our clients. Please call toll free 866-710-3700 for details about current payment plans being offered.
Is AHG's website secure?
Yes, AHG uses the highest industry standard form of personal information security and encryption for all of our credit card transactions. AHG will never sell or share customer information.
What happens if I sell my home during the warranty coverage period?
Your policy can easily be transferred to the new homeowner. This can be a significant bonus for a potential buyer, and is a powerful tool to help you sell your home faster and for more money.
If you did not find the answer to the question you have above, please do not hesitate to call us at 866-710-3700. We will be happy to provide assistance.