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OneGuard Home Warranty Review (2021)

One of the last things you want to worry about as a homeowner is repairing or replacing a major item like your washer, dryer, or refrigerator. It’s stressful enough to have to deal without these items when they break down, let alone worry about the cost of repairs. Fortunately, a home warranty can help. Read this OneGuard Home Warranty review to learn about coverage, plans, and pricing.

Texas Home Casey Dunn

TOH Rating: 9.4/10

Founded in 1990, OneGuard Home Warranty is an established home warranty provider that offers standard home warranty coverage and maintenance services, like carpet cleaning, pest control, and window washing, to homeowners in Arizona, Nevada, and Texas.

In this OneGuard Home Warranty review, the This Old House Reviews Team has evaluated the provider’s plans, cost, customer ratings, and more to help you determine if this is the best home warranty for you.

Even the best home warranty company has some drawbacks. Compare the advantages and disadvantages to OneGuard Home Warranty below.

Pros and Cons of OneGuard Home Warranty

Pros Cons
Pros Cons
Covers pre-existing conditions Only available in three states
Provides home maintenance services like moving assistance and pest control 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.

OneGuard Home Warranty Plans and Coverage

Plan Sentinel Centurion Guardian
Plan Sentinel Centurion Guardian
Built-In Microwave
Garbage Disposal
Trash Compactor
Kitchen Refrigerator
Washer and Dryer
Air Conditioners
Heating System (Including Heat Pumps)
Plumbing System
Water Heater
Electrical System
Ceiling and Exhaust Fans
Central Vacuum
Garage Door Opener
Sprinkler System and Timer
HVAC Equipment Incompatibility Coverage
Preferred Upgrade Coverage
Unknown Pre-existing Conditions Coverage
Re-Key and Garage Remote Reprogram
Air Conditioning and Heating System Tune-Ups
Termite Treatment
Pest Control Treatment
Carpet Cleaning Service
Window Cleaning Service
Dryer Vent Cleaning
Garage Door Tune-up Service
Ceiling Fan and Light Fixture Installation
Free Security System
Pool Maintenance
Additional Benefits

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

Plan Sentinel Centurion Guardian
Plan Sentinel Centurion Guardian
Additional Freestanding Refrigeration Units (per unit)
Additional Pool Pump/Water Feature (per unit)
Additional Sprinkler Valve
Built-in Pool/Spa (1 Set of Equipment)
Extended Main Line Plumbing
Guest House
Salt Water Pool/Spa (1 Set of Equipment)
Septic System
Water Softener and Reverse Osmosis
Filtration System
Well Pump
Kitchen Refrigerator
Washer and Dryer
HVAC Equipment Incompatibility Coverage
Preferred Upgrade 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

State Sentinel Centurion Guardian
State Sentinel Centurion Guardian
Arizona $399 $499 $599
Nevada $379 $499 $599
Texas $399 $549 $699

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.

OneGuard Home Warranty Claims Process

To submit a claim with OneGuard, call 888-896-0014 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 you have that information and submit your claim, here’s what the claims process would look like:

As soon as you discover an issue with your covered item, call 888-896-0014.

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.

New England Home iStock

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. on March 30, 2020

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. on March 17, 2020

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 on August 7, 2019

If you’re still on the fence about OneGuard, compare it to other top home warranty providers in the industry:

OneGuard Compared to the Competition

Provider OneGuard Home Warranty American Home Shield Choice Home Warranty
Provider OneGuard Home Warranty American Home Shield Choice Home Warranty
Get a free quote Not offered by This Old House Visit Site Visit Site
Plan options 3 + add-ons 3 + add-ons 2 + add-ons
Monthly premium $32–$59 $40–$58 $36–$44
Deductible $75 $75–$125 $60–$85

Our Conclusion

The This Old House Reviews Team rated OneGuard Home Warranty a 9.4/10. Though it provides extensive coverage at an affordable price, it’s only available in three states. If you’re a homeowner who doesn’t live in Arizona, Nevada, or Texas, we recommend American Home Shield and Choice Home Warranty.

Ultimately, we think that American Home Shield is the best overall. Here are just a few reasons why we believe American Home Shield is one of the best home warranty companies available:

  • Offers three plan types to choose from for added flexibility
  • Operates in 49 states, all except Alaska
  • Has been in business since 1971, making it the oldest home warranty provider in the industry
  • Lets customers select their own service fee ($75, $100, or $125)
  • Claims to answer service requests within 24 hours, 98% of the time

AHS also has a network of more than 15,000 licensed contractors and professionals throughout the United States to perform necessary repairs and replacements when important home items break down.

Here’s how American Home Shield stacks up against OneGuard Home Warranties.

American Home Shield vs. OneGuard Home Warranty

Provider American Home Shield OneGuard Home Warranties
Provider American Home Shield OneGuard Home Warranties
Sample Service Contract Provided Yes Yes
Number of Plans 3 3
Monthly Premium $40–$58 $32–$59
Optional Add-Ons Yes Yes
# of States Covered 49 3
Excluded States Alaska All but Arizona, Texas, and Nevada
Waiting Period 30 Days 30 Days
Service Fee $75, $100, or $125 $75
Years in Business Since 1971 Since 1990
BBB Accredited Yes Yes
BBB Rating B A+

If you'd like to get a free quote from American Home Shield, call 844-529-9298 or fill out an online form.

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. Our rating system for home warranty providers is on a 100-point scale based on seven factors:

  • Plan options (25)
  • Coverage specifics (5)
  • Pricing (25)
  • Trustworthiness (25)
  • State availability (5)
  • Customer service (10)
  • Additional benefits (5)

Our Reviews Team reviewed 45 companies and we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. Read more on our methodology here.

Frequently Asked Questions about OneGuard Home Warranty

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 share feedback or ask a question about this article, send a note to our Reviews Team at