OneGuard Home Warranty Review 2024

Covering homeowners in Arizona, Nevada and Texas, plans cost $19.99 and up and are serviced by American Home Shield.
Profile photo of Whitney Vandiver
Written by Whitney Vandiver
Writer
Profile photo of Tina Orem
Edited by Tina Orem
Assistant Assigning Editor
Fact Checked

Some or all of the mortgage lenders featured on our site are advertising partners of NerdWallet, but this does not influence our evaluations, lender star ratings or the order in which lenders are listed on the page. Our opinions are our own. Here is a list of our partners.

OneGuard Home Warranty
OneGuard Home Warranty
View details
Monthly premiums 
$19.99 and up

Service fees
$100 or $125

States available 
3 states
View details

High coverage caps and comparatively low monthly premiums make OneGuard Home Warranty an option for homeowners who want to save a little on home warranty plans. The company offers two options for service fees and covers access repairs when technicians cut into floors, ceilings or walls.

On some items, OneGuard Home Warranty also covers repairs due to insufficient maintenance, which is rare for home warranty companies. Coverage is only available in Arizona, Nevada and Texas, though, and the company has relatively low customer satisfaction ratings online.

OneGuard Home Warranty is owned by American Home Shield. In 2016, American Home Shield acquired OneGuard Home Warranty. Although OneGuard continues to serve homeowners under its name, American Home Shield provides the majority of the service. For example, if you purchase a plan through OneGuard, you are actually purchasing an American Home Shield plan. American Home Shield provides the claims support, and both companies use the same pool of third-party contractors.

Deciding factors

Monthly cost

$19.99 and up.

Service fees

$100 or $125 per claim.

Annual coverage cap*

  • $5,000 each for air conditioning and heating systems and ductwork.

  • $3,000 for plumbing.

  • $3,000 for electrical.

  • $0 for the Silver plan; $2,000 per appliance for Gold plan and $4,000 per appliance for Platinum plan.

  • $1,000 on roof leak repair.

Average customer service rating†

2.26 out of 5.

Technician choice

No.

*Annual coverage cap assumes a 12-month plan. †Average customer service rating is based on three sources: Trustpilot, ConsumerAffairs (both consumer review sites) and the Better Business Bureau.

How does OneGuard Home Warranty work?

Like its competitors, OneGuard Home Warranty covers problems that come with standard wear and tear. However, plans also cover:

  • Improper installation or repair on most covered items if you didn’t know about them before the home warranty coverage started.

  • Insufficient maintenance of covered items.

  • Issues caused by rust, corrosion or sediment.

It also doesn’t pay to repair cosmetic issues or physical damage that was caused by misuse or for regular maintenance.

Customers can purchase three plans through OneGuard Home Warranty:

  • The ShieldSilver plan provides coverage for home systems, including air conditioning, heating, electrical and plumbing systems.

  • The ShieldGold plan includes the same coverage as the ShieldSilver plan plus coverage for kitchen appliances and a washer and dryer set.

  • The ShieldPlatinum plan covers the same items as the other two plans plus coverage for roof leak repairs and increased coverage caps for appliances.

You can purchase optional coverage for items such as septic pumps, wells pumps, pools, built-in spa equipment and guest units. However, add-on coverage comes with an extra fee.

Similar to competitors, OneGuard Home Warranty sets limits on how much it’ll pay toward a covered item’s repair or replacement. It will pay or reimburse you up to:

  • $5,000 each for air conditioning and heating systems and ductwork.

  • $3,000 for plumbing.

  • $3,000 for electrical.

  • $2,000-$4,000 per appliance depending on plan.

  • $1,000 for roof leak repair.

When filing a claim, customers can submit information through an online portal or by calling a customer service representative by phone. OneGuard Home Warranty’s team will assign a third-party technician to your claim, and you’ll schedule an appointment for a technician to diagnose the issue. OneGuard Home Warranty doesn’t let customers choose their own technicians.

As with most home warranty companies, OneGuard Home Warranty charges customers a service fee ($100 or $125) every time a technician is dispatched to diagnose an issue. You usually pay this up front.

How much does a OneGuard Home Warranty cost?

OneGuard Home Warranty’s plans start at $19.99 per month; however, plans may be higher in some locations. Compared to competitors, this is a relatively low premium.

To compare OneGuard Home Warranty’s pricing, we gathered quotes for the company’s three plans in three cities that represent the company's coverage area.

City

ShieldSilver monthly premium

ShieldGold monthly premium

ShieldPlatinum monthly premium

Las Vegas, Nevada

$29.99.

$49.99.

$79.99.

Scottsdale, Arizona

$29.99.

$49.99.

$79.99.

San Antonio, Texas

$29.99.

$49.99.

$79.99.

Average price

$29.99.

$49.99.

$79.99.

Premiums included in this table are for the $125 service fee option. Choosing a $100 service fee will increase the monthly premium.

For all three cities, the ShieldGold plan was $20 more per month than the ShieldSilver plan, coming out to $240 more a year. In each city, the ShieldPlatinum plan was $30 more a month than the ShieldGold plan, or $360 more annually.

OneGuard Home Warranty lets customers choose between two service fees: $100 or $125 per service call. Customers who choose the $125 service fee will pay less in monthly premiums than those who choose the $100 service fee.

OneGuard Home Warranty plans come with a 30-day repair guarantee — if the company sends out a technician to repair an item and it malfunctions within 30 days, it’ll repair it again without charging you a service fee.

Themes from customer reviews

NerdWallet considered customer reviews from three review websites to get a wider perspective of customer experiences. We’ve highlighted the types of experiences that we’ve found to be most common, keeping in mind that online reviews tend to lean toward negative experiences.

Trustpilot: 2.1 out of 5. ConsumerAffairs: 3.4 out of 5. Better Business Bureau: 1.18 out of 5.

In negative reviews customers highlight technicians’ poor repairs, unhelpful customer service representatives and the company’s use of refurbished parts that fail quickly. However, positive customer reviews mention knowledgeable and reliable technicians, helpful customer service representatives and an easy submission process for claims.

Where is OneGuard Home Warranty available?

OneGuard Home Warranty has plans available in Arizona, Nevada and Texas.

Pros of OneGuard Home Warranty

  • High coverage limits. Because OneGuard Home Warranty sells American Home Shield plans, it is able to offer coverage limits that are higher than many of its competitors. This is especially true for the $5,000 limit for HVAC systems that applies to every plan and the $4,000 limit for appliances with the ShieldPlatinum plan.

  • Pays for access repair. If a technician has to cut into a wall, floor or ceiling to access a covered item, OneGuard Home Warranty will pay up to $1,000 to repair the damage. Not every home warranty company provides this coverage.

Cons of OneGuard Home Warranty

  • Only available in three states. Coverage through OneGuard Home Warranty is only available in Arizona, Nevada and Texas.

  • No choice of technician. The company doesn’t allow customers to choose their own repair technicians.

  • Low customer satisfaction. Compared to competitors, OneGuard Home Warranty has a low rating for customer satisfaction on websites for ConsumerAffairs, Trustpilot and Better Business Bureau.

Alternatives to OneGuard Home Warranty

Cinch Home Services

Cinch Home Services Home Warranty
Cinch Home Services Home Warranty

4.0

NerdWallet rating

 
Read review

on NerdWallet

View details

4.0

NerdWallet rating

 
Monthly fees 
$31 and up

Service fees
$100, $125 or $150
per claim

States available 
48
states, and Washington, D.C.
View details

Liberty Home Guard

Liberty Home Guard
Liberty Home Guard

5.0

NerdWallet rating

 
Get started

on Liberty Home Guard's website

View details

5.0

NerdWallet rating

 
Monthly fees 
$50 and up

Service fees
$70–$125
per claim

States available
50
states, and Washington, D.C.
View details

Old Republic Home Protection

Old Republic Home Protection
Old Republic Home Protection

4.0

NerdWallet rating

 
Read review

on NerdWallet

View details

4.0

NerdWallet rating

 
Monthly fees 
$45 and up

Service fees
$100 to $125
per claim

States available 
25
states, and Washington, D.C.
View details

Choice Home Warranty

Choice Home Warranty
Choice Home Warranty

3.5

NerdWallet rating

 
Get started

on Choice Home Warranty's website

View details

3.5

NerdWallet rating

 
Monthly fees 
$47 and up

Service fees
$75–$100
per claim

States available 
49
states, and Washington, D.C.
View details

Home Service Club

Home Service Club Home Warranty
Home Service Club Home Warranty

3.0

NerdWallet rating

 
Read review

on NerdWallet

View details

3.0

NerdWallet rating

 
Monthly fees 
$50 and up

Service fees
$65, $95 or $125
per claim

States available
50
states, and Washington, D.C.
View details
Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.

Methodology

NerdWallet's Home Services team evaluated home warranties across several factors, including cost, covered items, coverage limits, customer ratings, ability to choose your own technician and warranty on work completed. Because costs can vary by location, it's best to get quotes from multiple companies before making a decision. Read more about how NerdWallet rates home warranties.

More on NerdWallet.com

NerdWallet's Best Home Warranties
Our top picks for 2024 offer good coverage options at a reasonable cost.