Allied Home Warranty was a Texas-based company that offered repair and replacement services for home systems and appliances through home warranty plans. The company sold service plans to homeowners, real estate agents, and home sellers but went out of business in 2018 soon after being acquired by OneGuard Home Warranty.
In this review, we will offer tips on shopping for home warranty coverage and suggest other recommended providers for your coverage needs.
Top-Rated Alternatives to Allied Home Warranty
Even though Allied is no longer available, other top-rated home warranty providers offer comprehensive coverage at affordable prices. Here’s a list of two reliable providers to explore instead.
American Home Shield
American Home Shield offers comprehensive coverage with limits of up to $4,000 for appliances and $5,000 for home systems. Its plans also cover certain undetectable pre-existing conditions that many competitors exclude, making it a good option for homeowners with older systems and appliances. However, its higher service fees and lack of an appliance-only plan may not suit budget-conscious homeowners.
Choice Home Warranty
Choice Home Warranty offers two comprehensive plans priced under $70 per month, with $3,000 coverage limits for most covered items. Homeowners can also choose from 10+ add-ons, including pool and roof-leak coverage. However, its limited plan selection may not suit those seeking appliance-only or systems-only coverage.
How To Buy a Home Warranty
Before buying a home warranty plan, consider the following factors when shopping for options.
Most home warranty companies offer various coverage options to suit different needs. Appliance plans cover essential home appliances such as refrigerators and dishwashers. System plans include major home systems such as your heating, air conditioning, and plumbing. Combination plans include coverage for both systems and appliances.
On average, a home warranty costs between $564–$984 per year or around $47–$82 per month. Your final pricing could vary depending on your selected plan, add-ons, and location. You’ll also pay a service call fee, which ranges from $75–$125, each time a technician visits your home to diagnose an issue. We recommend comparing quotes from at least three providers to find the best price in your area.
Home warranty coverage typically includes coverage caps and exclusions on each item. Certain systems or appliances may only include coverage up to a specific dollar amount per repair or replacement. In addition, pre-existing conditions, improper installation, and lack of maintenance may void coverage. Always read the fine print before purchasing a plan.
A company’s speed and efficiency matter when filing a claim. Once you submit a request, most providers dispatch a technician to assess the issue. Some providers aim for a 24- to 48-hour turnaround. However, not all providers offer clear time commitments, so consider this when evaluating your options.
Before selecting a provider, check customer reviews, Better Business Bureau (BBB) ratings, and complaints regarding denied claims or service delays. Some companies have better reputations for handling customer service issues and claims more efficiently than others.
Homeowner Insights
- In our 2026 survey of 2,000 policyholders nationwide, combination plans that cover both appliances and systems were by far the most popular choice, selected by roughly 69% of respondents.
FAQs About Home Warranty Coverage
What’s covered under a home warranty?
A home warranty protects major home systems and appliances like your air conditioning, electrical, refrigerators, dishwashers, washers and dryers, and ductwork. Most companies will also offer optional coverage for items like your swimming pool, hot tub, and septic system. To gain a deeper understanding of these protection plans, read our article on the fundamentals of home warranty plans.
Do home warranties cover pre-existing conditions?
In general, most home warranty companies don’t cover pre-existing conditions. However, certain providers, such as American Home Shield and First American Home Warranty, offer protection for these issues. We recommend reviewing each provider’s service contract to understand the extent of coverage and any limitations.
How much does a home warranty cost?
A home warranty costs between $564 and $984 per year for coverage. Service fees range between $75–$125 per claim. The overall price of a warranty will ultimately depend on where you live, the square footage of your home, and the type of coverage you choose.
Is a home warranty worth it?
A home warranty protects homeowners from paying expensive, out-of-pocket costs when an important system or appliance breaks down. Whether you’re a first-time homebuyer or a seasoned homeowner looking for slightly more protection on important home items, a warranty isn’t a bad idea.
Do I need a home inspection before signing up for home warranty coverage?
Most companies don’t require a home inspection before coverage kicks in, however, getting an inspection could be beneficial when it comes to filing claims and figuring out which systems and appliances are covered.
Our Rating Methodology for Home Warranty Providers
We back up our home warranty ratings and recommendations with a detailed methodology designed to objectively evaluate each provider. Our research includes reviewing coverage options, analyzing sample contracts, and researching providers directly. In 2025, we collected over 4,000 quotes from 13 home warranty companies across all 50 states, using sample addresses for homes of different sizes to analyze pricing.
We complement this research with original consumer research and hands-on testing. In 2026, we surveyed 2,000 home warranty policyholders nationwide about their experiences. We also tested providers’ online quote tools and customer support. Over a two-year period, we purchased home warranty plans from 11 leading providers, allowing us to experience the enrollment and claims processes ourselves.
We use these findings to evaluate each provider across 23 factors in six weighted categories: coverage (35%), cost (20%), trustworthiness (15%), plan transparency (10%), customer support (10%), and flexibility (10%). Each factor receives a point value based on its importance to homeowners, for a total possible score of 100 points. We then convert each provider’s score to a 5-star rating.
