American Home Shield
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American Home Shield Review
American Home Shield is a home warranty cover plan that has been devised to assist people in financing the cost of repairs and replacements of valuable items inside their home. The big difference when it comes to American Home shield is that they allow the homeowners to choose the items that they wish to cover.
The American Home shield was founded in 1971 and remains a leader in the home warranty industry. Today, the company is providing service to 1.4 million customers in 49 states. High profile brands like Merry Maids, Furniture Medic, AmeriSpec, ServiceMaster and Terminix are associated with American Home Shield.
The Benefits that the company provides:
Flexible and personalized plan
American Home Shield differs from other companies because clients are given the chance to pick the home items they like to insure. Homeowners would usually determine which items are valuable and which are the ones that will easily deteriorate over time according to the frequency of use. Clients are asked to make a list of these items, after that the company would assess the subjects and see if they could be covered by the insurance. In the future, if something goes wrong with the furniture or machine the American Home Shield would be the one to shoulder the cost of repairs or the replacements, the only payment the homeowner would have to give is the minimal visit charge.
Able to insure more home systems and appliances
Unlike other insurance companies that are selective, American Home Shield is able to insure a range of home systems and appliances. The company is covering 21 types of home systems; this will include dishwashers as well as air conditioning. The client is usually given the chance to customize their coverage, they are given the option of Building their own plan, and this plans will start at $19 a month in some U.S states.
Appliance discount Program
The AHS also offers volume discounts, this gives clients the chance to select the brand name of appliances at a reduced price should they decide to purchase new appliances.
Clients are given the chance to save especially when deciding to change most of the furniture inside a residential or commercial property. The discounts provided would also include discounts on air filters, the discounts could sometimes reach up to 50% off retail price, and the filters would also be delivered.
Assistance in finding a good contractor
Other benefits of AHS will also include assistance in finding a contractor, if the client has a home improvement project in mind; the company is willing to provide a comprehensive listing of the contractors in the area. AHS is also willing to provide a list of their pre-screened professionals to help their client find a reliable contractor for their home improvement project.
Free helpful tips online
The official website of AHS Home protection plans provides monthly feature articles that contain information on some of the best home protection plans cover there is. They also provide information on any changes that have occurred during the past few months with regards to the appliances that have been insured making it easy for clients to keep track of what is going on.
Why choose a home protection plan vs. homeowner insurance?
Clients will be asked to distinguish the pros and cons of a home protection plan vs. homeowners insurance. It is important to know the difference between these two offers in order to be able to make the most out of it.
What is a home protection plan?
The home protection plan is a simple technique; it would only involve a one year service contract that would cover the repair and replacement of the home system components that are involved.
Homeowner insurance on the other hand will involve more, it would be able to cover hazard in private homes, and it will involve a number of policies that are created in order to protect the home and its contents. It would be better to select the homeowners insurance, although the process is a bit more complex there is a better assurance that the appliances will be protected just in case an accident occurs.
AHS is able to provide this confidence that most of the valuable appliances and major components are protected.
What can the company do for you?
The Combo Home Warranty Plan
This is the most popular of all four home warranty plans. The Combo Home Plan covers everything contained in both the Appliance and the Systems plans below.
The client saves about $14 every month when he or she purchases the combo plan, as opposed to the Systems and the Appliance plans separately.
Build Your Own Home Warranty Plan
This plan gives the client a lot of flexibility by allowing them to choose only the coverage that they need. All the client needs to do is select 10 or more of the most important items from the list of covered items in their home in order to get coverage that is tailor-made for them.
The Systems Warranty Plan
The Systems Warranty Plan covers the repair and/or replacement of the following important domestic systems:
- Heating and ductwork
- Air-conditioning and ductwork
- Electrical work
- Garbage Disposal systems
- Water Heaters
- Central Vacuuming systems
- Cold Water and Instant Hot Dispensers
- Smoke Detectors
- Ceiling Fans
The Appliance Warranty Plan
This plan covers the following household appliances:
- Clothes Dryers
- Built-in Microwave Ovens
- Clothes Washers
- Free-standing Ice Makers
- Trash Compactors
- Cook tops/ Ovens/ Ranges
- Garage Door Openers
- Built-in Food Processors
If either one of the above plans does not cover the client’s needs completely; he or she can opt to add coverage for any of the following items to their plan. The cost of each item the client includes will be added to their plan.
- Water Softener
- Septic Pumping
- Well Pump
Service Call Fee
The client will be charged a small trade service fee for every service call made by an electrician, plumber, etc. The service call fee is usually lower than other service fee rates. The home warranty service provider offers three service call fee categories. These are:
- $ 75
- $ 100
- $ 125
This allows the client to create a customized plan to suit their budget and domestic needs.
You should remember that:
- The plan you pick will cover replacements and repairs of all covered items and system regardless of their make, age, or model.
- You will not have to pay any additional fees for the replacement or repair of any covered item.
Some of the appliances will not be replaced; there are just certain affected parts that could be replaced by the insurance. Upon requesting the combo plan and the systems plan there are additional charges that would have to be paid. There are some hidden charges that clients have to be careful about, read the contract carefully in order to be able to understand.
Interested clients can get a free quote on the website; a free quotation would be released and would explain how much is needed to be paid for the warranty. The company will already provide the estimate of the repairs and replacements, after reading the contract the client can decide if they like to proceed or not.
Just like any other insurance company in the world, there are certain issues that would be encountered at AHS, but when compared with other companies that insure appliances, AHS is still able to provide the best service. It is able to provide clients a number of choices, there is freedom and flexibility that are given when it comes to the insurance plans that are being provided which easily makes the American Home Shield worth considering especially for clients who are insuring appliances for the first time.American Home Shield,