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America’s Preferred Home Warranty Review

Author Icon By Dana Getz Updated 02/23/2024

America’s Preferred Home Warranty (APHW) was founded in 1999 and is based out of Jackson, Michigan. It does business under Christian-based principles and vows to “maximize customer value through innovation and the use of technology.” In addition to providing warranty coverage, America’s Preferred Home Warranty is an active advocate of charities within its communities, setting aside a portion of its profits to directly benefit hurting families, cancer research, and children’s hospitals.

We have reviewed multiple home warranty companies and their plans, coverage, and pricing. While we like Americas Preferred Home Warranty, we recommend Liberty Home Guard for its outstanding customer service and extensive list of plan add-ons.

In this America’s Preferred Home Warranty review, we’ll discuss coverage, claims, costs, and customer reviews to help you decide if this is the best home warranty for you.

Pros and Cons of America’s Preferred Home Warranty

Pros & Cons

ProsCons

Preferred Upgrade allows for additional coverage on select systems and appliances

Only one protection plan available

Offers a low service fee of $50

Coverage is expensive for homeowners who choose the lowest service fee

Policyholders can choose their own licensed contractros

If you prefer to have more than one option for protection plans, we recommend getting a quote from Liberty Home Guard or American Home Shield.

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America’s Preferred Home Warranty Plans and Coverage

Standard CoverageIncluded Coverage from Preferred Upgrade

Heating system

Register, grills, and heat lamps

Refrigerators

Control board, ice maker, ice/beverage dispenser, and refrigerant recovery

Attic and exhaust fans

Ductwork

Central vacuum

Electrical system

Instant hot water dispenser

Plumbing system and stoppages

Toilets are replaced with similar models

Permanent trash compactor

Lock and key assemblies and buckets

Water heater

Covers sediment buildup

Garage door opener

Hinges, springs, transmitters, and keypads

Hotel room benefits

Humidifier

Permanent sump pump

Limited roof leak repair

Water well pump

Built-in dishwasher

Racks, baskets, and rollers

Built-in oven

Rotisseries, racks, handles, interior lining, clocks, knobs, and dials

Central Air Conditioning

Refrigerant recovery, crane expenses, registers, and grills

Free-Standing Range and Cooktop

Garbage Disposal

An electrical package offers coverage for fire or burglar alarms, lighting fixtures, and doorbells.

Ceiling fans

$250 for the correction of code violations

America’s Preferred Home Warranty also offers several optional add-ons so policyholders can extend their coverage for additional systems and appliances:

  • Pool and spa equipment
  • Premium pool and spa
  • Clothes washer and dryer
  • Water softener
  • Jetted bathtub

Note: You’ll have to pay an additional fee every month for any add-ons you include in your standard plan. Here’s what those costs look like.

Optional Add-Ons

Optional Add-OnsAnnual CostCoverage Caps

Pool/spa

$185

$600

Premium pool/spa

$345

$1,200

Jetted bathtub

$125

$600

Clothes washer and dryer

$85

$400

Water softener

$85

$600

A sample contract provided by America’s Preferred Home Warranty states that the company protects against the malfunction of covered appliances and systems that result from normal conditions of use. The user agreement gives a transparent look at what is included and what is not.

Here are a few highlights that should be noted.

Coverage Specifics

Systems and AppliancesCovered RepairsExcluded Repairs

Central air conditioning

Coils and compressors

Window or portable units

Leaks in refrigerant lines

Condenser fins

Condensing units and coolers

Filters

Electrical system

Electrical breakers and wiring

Meter boxes

Conduit and junction box

Wiring located outside of the main dwelling

Panels and subpanels

Loss from a power surge

Water heater

Electric, gas, and tankless units

Insufficient capacity

Gas valves

Water residue or rust out

Heat exchanger

Heating system

Interior gas lines

Fuel oil lines

Thermostats

Registers and grills

Heat exchanger

Chimneys and chimney liners

Before signing up for service, analyze the sample contract to ensure the type of equipment you own is included in the coverage.

America’s Preferred Home Warranty Pricing

The price of your plan will depend on the service fee you select. With a $50 service fee, a home warranty policy costs $549 per year, while a $100 deductible will lower the annual cost to $499. By choosing the highest service fee of $125, a basic policy will cost just $465 per year. By including the Preferred Upgrade, it will increase the annual price with a one-time payment of $125.

This pricing is comparable to other providers with similar coverage—the average home warranty costs homeowners about $300 for a basic warranty and $600 for more comprehensive protection.

The maximum aggregate liability of America’s Preferred Home Warranty is $25,000 per 12-year service contract. The provider lists its maximum payouts per specific appliances and systems in its sample agreement. Keep in mind, these totals are the coverage limitations per instance, regardless of the number of claims for repairs or replacements.

Coverage Caps

System/ApplianceCoverage Cap

HVAC equipment

$2,250

Plumbing and electrical systems

$500

Refrigerator

$1,000

Water heater

$500

Humidifiers

$500

How Do You File an America’s Preferred Home Warranty Claim?

APHW has an easy claims process and can be performed online through the company’s website. Here are the steps you should take to file a claim:

  1. Start a claim on the APHW website and receive a claim number.
  2. Call a licensed contractor of your choice to diagnose the problem.
  3. Once the contractor is on site, and before any work is performed, call 800-648-5006 for phone approval. Failure to abide by this guideline may result in denial of the claim.
  4. An America’s Preferred Home Warranty representative will provide a determination on coverage, and if approved, initiate payment.

America’s Preferred Home Warranty claims that they will immediately pay for a repair or replacement over the phone via credit card, send a check to the contractor, or reimburse a policyholder within 14 business days.

America’s Preferred Home Warranty Reviews

By analyzing America’s Preferred Home Warranty Reviews reviews from actual policyholders, we can gain a unique perspective into how committed a provider is to its customers and the terms and conditions. Based on America’s Preferred Home Warranty profile from the Better Business Bureau (BBB), customers can see that the company was accredited in 2010 and has an A+ rating.

Here are a few customer testimonials.

My wife and I will always be thankful that our home came with an America’s Preferred Home Warranty because we ended up needing to use them the first winter in our home, when our furnace went out. Then, the following spring, our air-conditioning system went out! Shortly after, as if it couldn’t get worse, our dishwasher and washing machine broke! America’s Preferred Home Warranty quickly and conveniently assisted us in replacing each of these systems/items, and we have decided to keep our warranty renewing for the foreseeable future. We otherwise could not have afforded to replace all of these things! I highly recommend them.” — David E., 5 stars, 10/21/2019

America’s Preferred Home Warranty is a scam. They will find a way not to pay much or nothing at all for a repair. I would never recommend them to anyone..Don’t spend your money on this company.” — Judith R., 1 star, 01/23/2020

Our Conclusion

We give America’s Preferred Home Warranty a 9.2/10. Its straightforward approach to choosing coverage helps streamline the process for policyholders, and its service fee of $50 is lower than the industry average.

The company is different from most home warranty providers as it allows a policyholder to choose their own licensed contractors for repair work. Typically, home warranty companies will dispatch a qualified contractor from its network of experts.

Unfortunately, we also discovered a few disadvantages to America’s Preferred Home Warranty.

  • If a policyholder selects an unauthorized technician, repairs or replacements may be delayed or result in a claim denial.
  • The base package doesn’t cover a washing machine or dryer. Instead, coverage for these items must be purchased for an additional fee.
  • When choosing the lowest service fee, the cost for coverage is near the industry’s most expensive costs.
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Best for Comprehensive Coverage
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Best Value
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Our Rating Methodology

We back up our home warranty ratings and recommendations with a detailed rating methodology to score each provider objectively. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and conducting focus groups and consumer surveys. 

We score each provider against our review standards, which include four comparison categories: coverage, value, trust and transparency, and availability and service. We rate each provider across 31 factors within these categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We then convert the final scores to a 5-star rating. 

Here’s a breakdown of our weighted factors:

  • Coverage (40%): We scored coverage based on included home systems and appliances, add-on options, and unique benefits. We also compared coverage caps and policy exclusions.
    • Additional coverage items
    • Annual coverage cap
    • Home systems coverage
    • Major appliances coverage
    • Obstructed wall coverage cap
  • Value (30%): We compared the coverage level received to monthly pricing to determine plan value. We considered premium pricing, service fees, and flexibility in customizing plan costs.
    • Average monthly cost
    • Cost flexibility
    • Lowest service fee
  • Trust and Transparency (16%): We evaluated each company’s reputation using the Better Business Bureau ratings and customer reviews on third-party review sites. We read through plan change policies, workmanship protections, and sample contract availability.
    • Brand reputation
    • Policy change flexibility
    • Sample contract availability
    • Workmanship guarantee length
  • Availability and Service (14%): We award higher scores for faster claim processing and response times. We also considered service technician policies, including options to choose your technician.
    • Claims process
    • Guaranteed response time
    • Service flexibility

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