American Residential Warranty opened in 2008 and rebranded to ARW Home in 2021. ARW partners with Lowe’s to buy appliances, replacement parts, and services through the Lowe’s Pro division. ARW Home offers three warranty plans that are available nationwide, with prices ranging from $40 to $80 per month. While the lower-tier plans are on par with industry-standard costs, ARW’s most comprehensive plan ($80) is more expensive than competitors’ offerings. During our extensive research, we calculated an average monthly cost of $56 for home warranty plans among the dozens of providers we reviewed.
ARW Home has an A rating from the Better Business Bureau (BBB), which indicates the business is likely to address customer concerns on the platform. This rating is higher than those of some other home warranty companies we’ve reviewed. ARW also offers some uncommon home warranty options, including coverage for electronics and water and sewer lines.
While ARW Home has a strong BBB rating, a variety of plans, and various add-ons, it has some disadvantages. Its $125 service fee, the deductible you pay when you request service, is on the higher end of the industry average. In addition, we found that the company has many negative reviews on consumer websites like BBB. Learn more about ARW Home’s warranties below to determine whether the provider fits your needs.
ARW Home
Pros and Cons
Pros
- Has affordable home warranty coverage
- Offers two months of free coverage with new plan enrollments
- Includes a $250 coverage benefit for spoiled food after a power outage
Cons
- Has a lower $1,000 coverage limit on systems and a $500 limit on appliances
- May restrict coverage for systems more than 10 years old
- Applies a $5,000 aggregate plan limit in addition to individual item caps
Add-Ons
American Residential Warranty’s add-on options vary depending on the plan you purchase. Here’s a list of available options under the company’s whole home plan:
- Mobile devicesÂ
- PoolÂ
- Sewer linesÂ
- Water lines
Pros
- Lets customers submit claims 24/7 through an online portal
- Offers optional plan for household electronics coverage
- Partners with Lowe’s for some repairs
- Provides industry-average 30-day workmanship guarantee
Cons
- Doesn’t provide online quotes and has limited information online
- Has poor customer reviews
- Only offers a $125 service fee
- Provides limited coverage for some systems and appliances that are over 10 years old
- Monthly cost: $40–$80
- Service fee: $125 ($55 for large electronics add-on)
- BBB rating: A
- State availability: 50 states
- Plan options: Kitchen Plus, Platinum, and Platinum Premier
- Kitchen Plus: Covers eight basic kitchen appliances, including your stove and refrigerator
- Platinum: Covers 12 home systems and appliances, including your dishwasher and central air conditioning
- Platinum Premier: Covers all systems and appliances in the Kitchen Plus and Platinum plans, along with items including plumbing, ductwork, and humidifiers
- Kitchen Plus: $5,000
- Platinum: $5,000
- Platinum Premier: $5,000
- Add-ons: $500–$5,000 (or $2,500 per line for water and sewer)
Our Take on ARW Home
We consider ARW Home a middle-ground home warranty company. Unlike top companies, such as Elite Home Warranty, ARW Home doesn’t allow you to customize your coverage limits. ARW has three standard plans with four add-ons, while most companies offer eight to 12 types of optional coverage.
While ARW Home’s add-on selection is limited, the company’s core plans cover the basic systems and appliances homeowners care most about. In our 2025 home warranty survey of 2,000 respondents, the top systems homeowners bought plans for were air conditioning and heating systems. Respondents also reported that the top appliances they bought plans for were refrigerators and water heaters. ARW’s Platinum and Platinum Premier plans cover all of these options, and the Kitchen Plus plan covers water heaters and refrigerators.
The typical service fee for a home warranty claim is $75–$125. A potential con of ARW Home is that it only offers a $125 service fee, while other brands provide multiple fees to choose from. However, the company offers an electronics add-on that charges a $55 service fee for large electronics (or no fee for small electronics such as a keyboard). ARW Home’s Ultimate Electronics Protection covers an unlimited number of electronic devices, which may be a good fit if you own lots of household electronics.
ARW Home offers a 30-day workmanship guarantee. This means that if you have a repair or replacement issue within 30 days of an ARW service visit for the same item, the company will send another service technician to fix the issue for free. While 30 days is typical for the industry, many other companies, including Elite Home Warranty and Choice Home Warranty, offer 90-day workmanship guarantees.
We like ARW’s partnership with Lowe’s, a reputable home-improvement retailer. In some cases, ARW will send a Lowe’s technician for installations and repairs.
We Recommend ARW Home if You:
- Want a $5,000 annual limit (the industry standard is $2,500)
- Have a wide range of costly electronic devices
- Want a basic coverage plan
We Don’t Recommend ARW Home if You:
- Want low fees for service calls
- Have multiple appliances or systems that are over 10 years old and need costly repairs
- Want a systems-only coverage plan
ARW Home Coverage
All ARW Home warranty plans cover the eight appliances and systems in the Kitchen Plus plan, which we listed in the table below. If you want additional warranty coverage, consider add-ons or other providers, such as American Home Shield.
Core Plans
ARW’s core plans are Kitchen Plus, Platinum, and Platinum Premier. Unlike other providers, ARW Home provides the same annual $5,000 coverage limit for repairs or replacements for all of its home warranty plans.
While each plan has an annual limit of $5,000, each system and appliance has its own individual limit.
- System limit: Depending on the system, there’s a $500 or $1,000 annual coverage limit on costs for access, diagnosis, repair, and installation.
- Appliance limit: Every appliance has $500 in coverage for access, diagnosis, repair, and installation.
The differences between Kitchen Plus and Platinum coverage include coverage for central air conditioning, central home heating, and washing machines and dryers.
Platinum Premier includes all items covered by the Kitchen Plus and Platinum plans, as well as ceiling fans, humidifiers, ductwork, garage door openers, and plumbing.
| Coverage | Kitchen Plus | Platinum | Platinum Premier |
|---|---|---|---|
| Built-in microwave | âś” | âś” | âś” |
| Ceiling fans | đť—« | đť—« | âś” |
| Central air conditioning | đť—« | âś” | âś” |
| Central home heating | đť—« | âś” | âś” |
| Clothes dryer | đť—« | âś” | âś” |
| Clothes washer | đť—« | âś” | âś” |
| Dishwasher | âś” | âś” | âś” |
| Ductwork (accessible ductwork from the cooling or heating unit to the point of attachment to registers or grills) | đť—« | đť—« | âś” |
| Garage door opener | đť—« | đť—« | âś” |
| Garbage disposal | âś” | âś” | âś” |
| Humidifier | đť—« | đť—« | âś” |
| Interior electrical system (all interior AC wiring, including receptacles, switches, fuses, and single- and two-pole breakers) | âś” | âś” | âś” |
| Kitchen exhaust fan | âś” | âś” | âś” |
| Plumbing stoppages | đť—« | đť—« | âś” |
| Plumbing system | đť—« | đť—« | âś” |
| Range/oven/cooktop | âś” | âś” | âś” |
| Refrigerator (including ice maker) | âś” | âś” | âś” |
| Water heater | âś” | âś” | âś” |
Add-Ons
ARW Home offers add-on packages to protect your water line, sewer line, and electronics. The water line plan covers repairs, replacements, and relines for leaks and breakages for the line that runs from your water supply company to your water meter. The sewer plan covers repairs, replacements, and relines for issues related to the private lateral sewer line that collects and conveys waste from your home.
The electronics plan covers an unlimited number of common electronics, such as computers, tablets, and televisions. It covers spills, drops, cracked screens, and mechanical failures due to normal wear and tear. Many home warranty plans don’t provide this coverage, which can make ARW Home particularly appealing to tech users.
ARW Home Add-On Plans
- Water and sewer line plan
- Ultimate electronics plan
- Pool and spa plan
- MobileMax
Important Note
- ARW Home doesn’t mention pool or spa coverage on its plans page. However, when we spoke to a representative, they said this coverage was available as an add-on.
The Fine Print
Whether you receive coverage or not depends on your appliance or system’s issue, as well as its age.
- For most appliances and systems over 10 years old: You’ll receive a $300 replacement allowance instead of service or a replacement if the repair is over $300 or replacement parts aren’t available. This allowance increases by $50 each year you’re an ARW Home member, up to a maximum of $500. You must have a receipt for the item to receive this allowance.
- For AC systems or central home heating systems over 10 years old: You’ll receive a $600 replacement allowance instead of service or a replacement if the repair is over $600 or replacement parts aren’t available. This allowance increases by $50 each year you’re an ARW Home member, up to a maximum of $1,000. You must have a receipt for the item to receive this allowance.
Similar to most other home warranty companies, ARW Home only covers specific issues for each appliance or system. For example, ARW Home will fix problems with a refrigerator’s condenser, but it won’t cover problems with its media center.
Below is an example of coverage for a central heating system through ARW Home.
ARW Home Cost
With one of ARW’s core plans, you can expect to pay a monthly premium of $40–$80 on top of a $125 service fee per repair.
Plan Cost
The pricing info in this section is from a quote we got for a 1,500-square-foot, single-family home in Florida. Here are the monthly costs for ARW Home’s three plans:
- Kitchen Plus: $40
- Platinum: $65
- Platinum Premier: $80
You can add any of ARW Home’s extra protection options to any home warranty plan. The electronics plan comes with a $55 service fee for each large electronic service call. However, small electronic fixes, such as fixing a keyboard or mouse, don’t require a $55 charge. Instead, ARW Home simply sends you the replacement.
Like the main plans, ARW Home’s water and sewer line plans charge a $125 service fee.
| Expense | Water Line | Sewer Line | Water and Sewer Line | Electronics | Pool and Spa |
|---|---|---|---|---|---|
| Monthly cost | $11 | $13 | $24 | $25 | $23 |
| Service fee | $125 | $125 | $125 | $55 | $125 |
Add-on Costs
Our quote from ARW Home listed its add-ons as costing between $10 and $15 extra per month, as shown in the table below.
| Add-On Coverage | Monthly Cost |
|---|---|
| MobileMax | $10 |
| Water line | $11 |
| Sewer line | $13 |
| Pool | $14 |
Discounts
As of February 2025, ARW Home is offering two months free on a 12-month warranty plan. This offer is subject to change and excludes add-ons.
ARW Home also runs seasonal sales throughout the year. During the current cyber sale we saw in our quote, all plans cost $10–$15 less than normal.
When we spoke to a customer service representative on the phone, they also offered a $60 discount per year. This offer wasn’t listed online, so we suggest calling ARW Home to verify any additional discounts.
Comparing ARW Home to Top Providers
ARW Home scored 3.0 on our 5-point rating scale. It earned a lower score than the best home warranty companies because of its high $125 service fee for most repairs, poor customer reviews, and limited coverage for select systems and appliances.
| Company | Our Rating (Out of 5) | Monthly Plan Cost | Service Fee | BBB Rating* |
|---|---|---|---|---|
$11–$65 | $125 | A | ||
$36–$100 | $100–$125 | B | ||
$60–$68 | $100 | B | ||
$45–$60 | $70 ($150 for after hours and weekends) | B | ||
$77–$130 | $100–$125 | B |
*BBB ratings are accurate as of February 2025.
Customer Reviews: Reddit, Trustpilot, and More
To get a better idea of what it’s like to have a home warranty plan from ARW Home, we read more than 100 customer reviews from third-party sources, including BBB, Reddit, and Trustpilot. Based on more than 300 reviews, customers on BBB rate ARW Home 2.2 out of 5 stars. Most complaints center on denied claims and delayed repairs.
Trustpilot gives ARW Home 3 out of 5 stars from more than 1,000 reviews. Many of the site’s 5-star reviews reference billing fixes rather than service. Reviewers also mention denied claims and delayed repairs, similar to the BBB reviews.
A 2024 Reddit comment also mentions delays in repairs. The user said they were wrongfully charged an additional service fee and received daily phone calls and emails asking them to renew their policy.
While these reviews make up a smaller portion, several customers praised ARW Home’s customer service. Below are two reviews from ARW Home customers:
“Been with ARW for 2 years and never had a problem with them. Their staff and customer service are top-notch! They make it clear what is needed when filing a claim and any other issues or questions you may have. Highly recommend them for new homeowners!” —Terence W. via BBB on June 19, 2024
“Filed a claim for an upstairs leak on July 2, 2024. Today, August 21, it has yet to be completed. I now have a huge water stain on my ceiling due to their failure to follow up on this claim.” —Jeremy R. via BBB on Aug. 21, 2024
Our Experience With ARW Home
One of our in-house testers, Sonia C., obtained a warranty plan through ARW Home and filed a claim. Despite mixed satisfaction with the overall process, ARW eventually fixed her problems.
We asked her to provide an overview of her purchasing and claims experience. “Signing up was very easy,” she said. “Filing a claim was a bit difficult.” Sonia had a broken garbage disposal that needed repairs. When she filed the claim online, the website said she could pay the service fee right away, granting her issue priority. However, her garbage disposal wasn’t a priority, so she decided to wait until ARW Home reached out. Two weeks after she submitted the form, no one from ARW had reached out to her.
“ARW Home said they opened my claim but never completed it since I had not paid [the service call fee],” Sonia said. “Their website did not say anything like that. Once I paid the $150, they said the repairs would get done in seven to 10 business days.”
We noted that her claims experience is longer than advertised. ARW Home’s website says it can initiate service with a technician in as few as 24–48 hours. Our testing shows that their statement holds true if you pay your service fee after filing a claim.
Sonia received the replacement garbage disposal in the mail, and ARW Home arranged for a Lowe’s technician to do the replacement. “Overall, the process was lengthy, but they completed the job eventually and did it well,” she said. “The claims process could be improved upon,” she added.
Is ARW Home Worth It?
ARW Home has some less common coverage options, such as its electronics add-on, as well as a high $5,000 annual. While the company has an A rating from BBB, its BBB customer review score—2.2 out of 5 stars—suggests many customers aren’t pleased with its service. You should also note ARW Home’s high service fee and limited selection of coverage add-ons.
Several of ARW Home’s features, such as its basic plan pricing and 30-day workmanship guarantee for repairs, are comparable to industry standards. However, if cost is a concern, you may want to consider Cinch Home Services instead.
FAQs About ARW Home
Is there a deductible for ARW Home?
While not technically a deductible, ARW Home does require you to pay a service call fee of $125 each time you file a claim. A service fee is the amount you must pay ARW Home to find and send a licensed contractor to your home. The company discloses this amount once you sign up for a plan.
What is excluded from a home warranty?
Most home warranties exclude damage not caused by normal wear and tear. It also excludes improperly installed or maintained items, mold damage, preexisting conditions, and routine maintenance.
How long does an ARW Home plan last?
An ARW Home coverage plan lasts at least 12 months. However, you can speak with a representative to purchase multiyear plans.
When does my ARW Home coverage start?
ARW Home’s coverage begins 30 days after you purchase a plan.
What types of homes do home warranties cover?
The type of home a home warranty covers varies per provider. Most providers cover single-family homes, mobile homes, condos, and townhomes. Multifamily homes and apartment complexes are usually not covered. Home warranties also cover rental properties.
How We Evaluated Home Warranty Providers
We use a detailed rating methodology to objectively score each home warranty company we review. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and running focus groups and homeowner surveys.
We use this information to score each provider in six comparison categories that we think are most important when choosing a home warranty. We rate each provider across 23 factors within those categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We convert the final scores to a 5-star rating.
Here’s a breakdown of our weighted factors:
- Coverage (35%): This category looks at how comprehensive each provider’s coverage is, including whether it covers unique items. Companies that cover the most items and have higher annual limits received the highest scores. We docked points from providers that impose long waiting periods or have depreciation policies that decrease your payouts for aging items.
- Cost (20%): We looked at average monthly prices and service call fees. We gave the most points to companies offering pricing at or below the industry average that don’t impose any surcharges or extra fees.
- Trustworthiness (15%): To gauge reputation and reliability, we reviewed customer ratings across sites such as the Better Business Bureau and Trustpilot, as well as companies’ responses to complaints. We also checked for National Home Service Contract Association (NHSCA) membership. Providers with the highest ratings and longest workmanship guarantees received higher scores. We deducted points for any ongoing legal issues.
- Plan transparency (10%): We read terms, policies, and disclosures in provided contracts and on each company’s website. Providers with transparent contract details and policies received more points.
- Customer support (10%): Companies with multiple claims filing options, fast response times, and accessible customer support scored well in this category.
- Flexibility (10%): We awarded more points to providers offering more plan options, larger add-on catalogs, the ability to choose your own technician, and customer-friendly cancellation policies.
