American Home Shield Replacement Policy (Home Warranty, Plan

American Home Shield Replacement Policy

If you are a homeowner, then you know everything that is involved with keeping every part of your home up, running, and functional.

A home warranty plan like American Home Shield is essential when it comes to getting parts of your home repaired or replaced.

So, what is American Home Shield’s replacement policy? Depending on the plan you have, AHS will repair or replace covered items and systems, or find another solution if those are not possible. They even cover old items that end up breaking down due to age or regular wear and tear. This is unique from other home warranties.

The rest of this article will go into detail about American Home Shield’s replacement policies, how their warranties work, how you can get a free quote, and more.

What is American Home Shield’s replacement policy?

American Home Shield will replace covered items depending upon which plan you have. First, they will attempt to repair the broken item.

If they are unable to do so, they will find you a replacement.

With a ShieldGold plan, you will have a maximum allowance of $3,000 for each covered appliance during a contract term. With a ShieldPlatinum plan, this allowance increases to $6,000 for each covered appliance.

This policy includes items that break down from the wear and tear of everyday use, making it unique from other home warranties.

What does a home warranty cover?

A home warranty is intended to protect many of your home appliances. These plans may include coverage for:

  • Heating and cooling units
  • Electrical systems
  • Plumbing
  • Kitchen appliances
  • Laundry appliances
  • Electronics
  • Pool and hot tub components

Essentially, these plans can work to help cover the cost of repairing or replacing items that break down over the course of your plan year.

It works in tandem with your homeowner’s insurance by covering things that your insurance does not.

For example, if you have an American Home Shield plan with kitchen appliance coverage and your dishwasher breaks down, you do not have to worry, because your plan will cover the repair or replacement of the dishwasher.

Read also: Does American Home Shield Cover Roof Replacement (Leak Repair

What if my covered item can’t be fixed or replaced?

American Home Shield will first attempt to fix the broken appliance or component. If this is not possible, they will offer a replacement. However, what happens when neither a fix nor a replacement are possible?

In the event that AHS cannot fix or replace your covered item, they will write you a check for the cost of getting it repaired or replaced elsewhere.

Of course, the amount of the check will only go up to the limit outlined in your plan, depending upon which coverage you have.

How long will it take for my covered item to be fixed?

This may vary depending upon a number of factors. This includes what is wrong with your appliance, the availability of parts, and the scheduling of the repair people.

For example, if a critical part to fix your dishwasher is on backorder, it may take much longer for your appliance to be repaired than it would otherwise.

However, American Home Shield’s goal is to get your appliance repaired or replaced as quickly as possible. They want to assign your contractor ASAP so that the process of fixing or replacing your item can get started immediately.

So, even if it will take a long time to get your item fixed due to outside circumstances, you can at least expect the process to get started quickly.

Read also: Amica Roof Replacement Policy (What’s Covered + Time Frames)

How much does an American Home Shield plan cost?

This will vary depending upon which plan you get and what kind of coverage you want. Luckily, the American Home Shield website offers an option for you to receive a FREE quote!

You can simply go to and enter your zip code. You will then be able to shop for various plans at various price points.

What is not covered under my American Home Shield plan?

There are, unfortunately, some exclusions to the coverage that you will receive under your American Home Shield plan.

For example, they cover breakdowns that happen upon usual wear and tear to your appliances. So, if something breaks due to something that is not considered normal wear and tear, it will not be covered.

There may also be some other exclusions that apply to your plan. To find out what these may be, AHS suggests downloading a sample contract.

There, you will be able to read a more specific list of things that may not be included with your coverage.

Will I have to pay anything out of pocket for repairs or replacements?

Depending upon the repair and the situation, you may have some out of pocket expenses. You may end up being responsible for any service costs that are not covered by your home warranty.

To know specifically what these might be, you would need to carefully view the contract provided by American Home Shield.

If you would like to view a sample contract from AHS before signing a real contract yourself, they have made one available on their website.

You can access it from their frequently asked questions page. While contracts do vary from state to state, viewing a sample contract is a good way to get an idea of the limitations, exclusions, and costs that may be associated with your plan.


So, what is American Home Shield’s replacement policy? They will first attempt to repair your covered items. If this is not possible, they will then offer a replacement.

If for some reason repair AND replacement are both not viable options, then American Home Shield will write you a check for the cost of getting the item repaired or replaced elsewhere.

You should keep in mind that the amount you receive in this case will vary depending upon the type of plan you have and your coverage limits.

You can get a free quote for your coverage by visiting the AHS website and entering your zip code. Then, you will be able to shop for various plans and view prices and coverage for different options.

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Lindsey graduated with an MBA in 2009. Since then, Lindsey has worked in the retail and consumer service industry as a manager, advisor, and marketer. Lindsey is also the head writer and Co-founder of Lindsey is based in Morgantown, West Virginia.

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