OneGuard Home Warranty Review

Founded in 1990, OneGuard Home Warranty was a pioneer in offering both home warranty and maintenance services. In 2023, American Home Shield (AHS) acquired OneGuard, sparking a new chapter for its policies, which AHS now manages.

Previously, OneGuard stood out by combining standard coverage with maintenance services like carpet cleaning and pest control, mainly serving homeowners in Arizona, Texas, and Nevada. However, since the acquisition, AHS has made some changes to its service offerings.

In this OneGuard Home Warranty review, we break down the provider’s plans, costs, benefits, drawbacks, and more to help you decide if it’s the best home warranty for you.

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Pros and Cons of OneGuard Home Warranty

Pros

• Covers pre-existing conditions
• Provides home maintenance services like moving assistance and pest control

Cons

• Only available in three states
• Customers can’t select their own service fee

OneGuard Home Warranty provides three plans for home buyers and home sellers: Sentinel, Centurion, and Guardian. Coverage varies based on the state you live in. We’ve used Arizona below as the basis for our breakdown. You can choose your state online to see your exact coverage options. You can also check out our articles covering the additional home warranty providers in these states:

• Our Recommended Texas Home Warranty Providers
• Our Recommended Arizona Home Warranty Providers
• Our Recommended Nevada Home Warranty Providers

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OneGuard Home Warranty Plans and Coverage

The fact that OneGuard Home Warranties includes maintenance services in every plan, as well as typical coverage of appliances and systems, is fairly unique in the home warranty industry. The only other home warranty provider that we’ve seen do that is Super Home Warranty.

Additionally, OneGuard offers optional coverage for a variety of appliances and systems:

Optional Coverage

OneGuard home warranty coverage is available for buyers and sellers living in the following types of homes:

• Single-Family
• Townhouse
• Condo
• Duplex
• Triplex
• Fourplex

OneGuard Home Warranty falls in line with the average cost of home warranty plans, between $300 and $600 annually, except for its Guardian Plan in Texas.

Here’s the breakdown by plan and state:

OneGuard Home Warranty Pricing

Homeowners are also required to pay a $75 service call fee or deductible every time a technician comes to their house for a repair or replacement.

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OneGuard Home Warranty Claims Process

To submit a claim with OneGuard, call a OneGuard representative or request service online. To request service, you’ll need either your policy number and zip code, street address and zip code, or name, zip code, and verification code.

Once OneGuard approves your claim, they’ll select a service contractor to assist with a repair or replacement.

The contractor will contact you within four business hours, or 48 hours if a claim comes in on the weekend or holiday for non-emergency services, to make an appointment. Note: emergency services include interior flooding, a complete loss of heating or cooling in extreme temperature conditions, a substantial loss of electrical service, or any other condition that renders the interior of the home uninhabitable.

When the contractor arrives, they’ll perform the necessary repairs and you’ll be required to pay a service fee.

Repairs are guaranteed for 30 days. If there’s a second breakdown within those 30 days, OneGuard will dispatch a contractor at no additional service fee to you.

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OneGuard Home Warranty Reviews

OneGuard Home Warranty is accredited by the Better Business Bureau (BBB) with an A+ rating and an average of 4 stars from customers. Many reviews are positive, citing high levels of professionalism and great service and applauding specific OneGuard Home Warranties employees by name, but there are some negative reviews left by customers who were concerned with long delays in getting service and being billed for services that never took place after the technician failed to show up.

Here’s a sampling of OneGuard reviews below:

“We’ve been OneGuard customers for four years and recently our AC (slab coil and condenser) went out. What is a stressful and challenging home repair was made reasonably easy to deal with. Leigh G provided excellent customer service and helped us resolve any issues we had. The contractor provided several options for us to choose from. The OneGuard team is always helpful, but in this particular instance, Leigh G made us feel like valued customers and we plan to be OneGuard customers for many years.” — Anthony M., via BBB

“I’ve been with OneGuard from the moment I purchased my home in 2016. Their customer service is top-notch and it has never waived in all the years I’ve been with them. Last week I called and spoke to Evonny Ramirez to update my account and get answers to a few questions that I had. She was very polite, knowledgeable, and I truly felt she had my best interest at heart.” — Tracey L., via BBB

“I booked a service for my refrigerator, however my refrigerator stopped making the noise that I was concerned about. I called OneGuard two days prior to the callout and cancelled. I was informed that they would contact the vendor and process my credit as I had prepaid the $60 callout fee. It has now been 12 days with numerous lengthy calls and still no credit. I recommend only paying the vendor on the day of the callout and not prior to avoid this situation.” — Renee M., via BBB

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Is a Home Warranty Worth It?

Home warranties offer peace of mind by covering repairs and replacements of essential home systems and appliances. Consider one if you have older appliances or plan on staying in your home long-term. Also, evaluate if the monthly premium costs are worth it compared to the potential cost of repair or replacement. Ensure you read the fine print of a provider’s residential service contract to understand what’s considered preexisting damage and any caps on reimbursement payouts.

In addition to financial protection, a home warranty can save you the hassle of finding a trusted contractor when unexpected breakdowns occur. Many providers have a network of pre-screened professionals to help ensure timely service. However, keep in mind that warranties typically don’t cover cosmetic damages or routine maintenance, so consider the benefits and drawbacks of a home warranty before making a decision.

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Our Final OneGuard Home Warranty Review

Though it provides extensive coverage at an affordable price, it’s not available nationwide. If you’re a homeowner who lives in Alaska or Hawaii, we recommend Liberty Home Guard (LHG). LHG offers competitively-priced plans and a large number of optional coverage options.

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FAQs About Home Warranties

Who owns OneGuard Home Warranty?

American Home Shield is the parent organization of OneGuard Home Warranty.

Do I need a home warranty if I have homeowners insurance?

A home warranty and homeowners insurance both protect your house, but they provide coverage for different items. A home warranty protects major systems and appliances when they fail due to normal wear and tear, and homeowners insurance protects your home when structural damage occurs from theft, natural disasters, or fire.

What is a home warranty?

A home warranty is a service agreement that exists to give homeowners peace of mind when it comes to covering the cost of expensive repairs and replacements on major systems and appliances. To learn more about how these agreements operate and benefit homeowners, explore our article on understanding home warranty plans.

What should I look for when buying a home warranty?

When buying a home warranty, you should look for three main factors: cost, coverage options, and exclusions. Every homeowner’s situation is different. Consider your budget, coverage needs, and any notable exclusions before selecting a home warranty provider.

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Our Rating Methodology

We use a detailed rating methodology to objectively score each home warranty company we review. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and running focus groups and homeowner surveys. 

We use this information to score each provider in six comparison categories that we think are most important when choosing a home warranty. We rate each provider across 23 factors within those categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We convert the final scores to a 5-star rating. 

Here’s a breakdown of our weighted factors:

• Coverage (35%): This category looks at how comprehensive each provider’s coverage is, including whether it covers unique items. Companies that cover the most items and have higher annual limits received the highest scores. We docked points from providers that impose long waiting periods or have depreciation policies that decrease your payouts for aging items.
• Cost (20%): We looked at average monthly prices and service call fees. We gave the most points to companies offering pricing at or below the industry average that don’t impose any surcharges or extra fees.
• Trustworthiness (15%): To gauge reputation and reliability, we reviewed customer ratings across sites such as the Better Business Bureau and Trustpilot, as well as companies’ responses to complaints. We also checked for National Home Service Contract Association (NHSCA) membership. Providers with the highest ratings and longest workmanship guarantees received higher scores. We deducted points for any ongoing legal issues.
• Plan transparency (10%): We read terms, policies, and disclosures in provided contracts and on each company’s website. Providers with transparent contract details and policies received more points.
• Customer support (10%): Companies with multiple claims filing options, fast response times, and accessible customer support scored well in this category.
• Flexibility (10%): We awarded more points to providers offering more plan options, larger add-on catalogs, the ability to choose your own technician, and customer-friendly cancellation policies.