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TotalProtect vs American Home Shield

If you own a home and are looking to protect your systems and appliances, a home warranty may be able to give you some peace of mind. This article compares home warranty coverage provided by TotalProtect Home Warranty and American Home Shield, detailing the differences in coverage, cost, claims, and important policy features.

white two-story house with an American flag and green grass lawn

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American Home Shield has more years of experience and offers flexible service fees, while TotalProtect does not. However, TotalProtect has a better BBB rating and cheaper monthly premiums. Both home warranty companies offer add-ons at an additional cost.

Keep reading to see our in-depth comparison of TotalProtect and American Home Shield.

Side-by-Side Comparison

Features TotalProtect American Home Shield
Features TotalProtect American Home Shield
Get a Free Quote Not available through This Old House Visit site
This Old House Rating 8.9/10 9.5/10
Plan Options Systems, Appliances, Combo, and optional add-ons ShieldSilver™, ShieldGold™, ShieldPlatinum™, and optional add-ons
Monthly Premiums $35–$59 $40–$58
Service Fees $100–$125 $75–$125
State Availability Available in all U.S. states Available in all U.S. states, except Alaska
BBB Rating A- B
Years in Business 40 48

TotalProtect vs. American Home Shield Coverage Comparison

American Home Shield

As a veteran home warranty provider, American Home Shield offers three flexible home warranty plans that can fit the needs of various homeowners.

American Home Shield Coverage

Item ShieldSilver™ ShieldGold™ ShieldPlatinum™
Item ShieldSilver™ ShieldGold™ ShieldPlatinum™
Air conditioning
Heating
Ductwork
Built-in exhaust, vent, and attic fans
Main breaker and fuse panel box
Doorbells
Interior electrical lines
Ceiling fans
Garage door openers
Interior plumbing lines
Toilets
Faucets and valves
Whirlpool tub
Water heaters
Refrigerators
Ranges/cooktops
Ovens
Dishwashers
Built-in microwaves
Garbage disposals
Instant hot/cold water dispensers
Clothes washer
Clothes dryer
HVAC tune-up
Roof leak coverage

Customers also have the option of tacking on additional coverage for the following items:

  • Electronic extended warranty
  • Pool and spas
  • Well pump
  • Septic pump
  • Guest units up to 750 square feet

To get a free quote from American Home Shield, fill out this online form or call 844-529-9298.

TotalProtect Home Warranty

TotalProtect offers coverage through three comprehensive plans: a Systems Plan, Appliances Plan, and Combo Plan, each providing customers with protection on major home systems or appliances. Compare TotalProtect coverage plans below.

TotalProtect Coverage

Item Systems Plan Appliances Plan Combo Plan
Item Systems Plan Appliances Plan Combo Plan
Clothes dryer
Clothes washer
Cooktop/Range
Built-in dishwasher
Refrigerator with built-in ice and water dispenser
Wall oven
Range exhaust hood
Built-in microwave
Built-in trash compactor
Garbage disposal
Air conditioning (2 units)
Heating system (2 units)
Water heater
Toilets
Plumbing lines
Plumbing stoppages
Sump pump
Whirlpool bath
Attic/Whole-house exhaust fan
Central vacuum
Door bells and chimes
Garage door opener
Smoke detectors
Main breaker/Fuse panel box
Interior electrical lines
Interior gas lines
Homeowners insurance deductible reimbursement–$500 benefit

If you’re looking to add to your coverage, TotalProtect Home Warranty offers a Premier Upgrade package that adds perks such as equipment disposal, code upgrades, and electrical modifications.

To help complete your coverage, TotalProtect also offers optional coverage on the following items:

  • Faucets
  • Outdoor gas line
  • Outside water line
  • Septic tank/Septic tank pumping
  • Standalone freezer
  • Surge protection (available in only some states)
  • Swimming pool
  • Spa
  • Heater for swimming pool or spa
  • Water softener
  • Well pump system with a booster pump

TotalProtect vs. American Home Shield Cost Comparison

TotalProtect Home Warranty and American Home Shield offer comparable coverage, with TotalProtect offering their Appliances Plan and Systems Plan for less. See how the companies compare in pricing below.

American Home Shield Prices

Plan $75 Service Fee $100 Service Fee $125 Service Fee
Plan $75 Service Fee $100 Service Fee $125 Service Fee
ShieldSilver™ $54.99 per month $44.99 per month $39.99 per month
ShieldGold™ $64.99 per month $54.99 per month $49.99 per month
ShieldPlatinum™ $79.99 per month $69.99 per month $64.99 per month

American Home Shield, like most home warranty companies, requires customers to pay a service call fee, or deductible, when a contractor responds to a service call. AHS allows customers to choose their service fee: $75, $100, or $125. A lower service fee usually increases your monthly premium, while a higher service fee decreases it.

TotalProtect Pricing Breakdown

TotalProtect Home Warranty Plan Cost
TotalProtect Home Warranty Plan Cost
Systems Plan $34.95 per month
Appliances Plan $44.95 per month
Combo Plan $58.95 per month

TotalProtect customers can also pick their service fee, choosing between $100–$125.

Note: The monthly premium for your TotalProtect plan can increase if you choose a lower deductible. Additionally, the cost of your plan can go up if you add on optional coverage for items such as a swimming pool, water softener, and outdoor gas line.

Our Conclusion

American Home Shield offers some of the most complete protection, giving homeowners the ability to choose between three plans. AHS also provides 24/7 customer service and allows customers to adjust their monthly premium through selecting their service fee, giving some freedom to choose the price paid per month.

AHS lets customers choose their own service fee, but prices can be more expensive than some of AHS’s competitors. Additionally, AHS doesn’t provide coverage in Alaska and only covers repairs for up to 30 days.

In comparison, TotalProtect Home Warranty offers similar coverage through their three plans and provides nationwide coverage. Unlike many home warranty companies, TotalProtect doesn’t have a price cap on home systems and appliances.

However, TotalProtect’s service fees are a little higher than the industry average, costing between $100–$125.

In sum, we recommend American Home Shield as our top home warranty pick. To get a free quote from American Home Shield, fill out this online form or call 844-529-9298.

Frequently Asked Questions about TotalProtect and American Home Shield

What is the cancellation policy for both companies?

Most home warranty companies allow you to cancel your plan for a free refund within the first 30 days, as long as no claim is made during that time. American Home Shield and TotalProtect allow customers to cancel within the first 30 days for a full refund, and anytime after for a refund on the prorated amount on the remaining length of coverage.

How does a home warranty work?

If a covered item under your home warranty plan breaks down due to normal wear and tear, you’ll file a claim with your provider, who will then dispatch a service technician to repair or replace the item. All you pay is the agreed upon service fee.

How long is a home warranty contract length?

Home warranty contracts typically last for a year, though you may be able to sign up for a multi-year plan and get a discount on pricing.

Is a home warranty worth it?

If you have a system or appliance that’s prone to breakdowns or just want an extra layer of protection for items in your home, a home warranty is worth it. For example, if your water heater breaks down in the dead of winter, a home warranty can cover the cost of its repair or replacement, saving you from paying expensive, out-of-pocket costs.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.