We may be compensated if you purchase through links on our website. Our Reviews Team is committed to delivering honest, objective, and independent reviews on home products and services.More

HomeGuard Home Warranty Review

Author Icon By Dana Getz Updated 02/12/2024

HomeGuard HomeWarranty is a residential service contract provider based in California and Arizona. It’s been in the industry since 2006, and it prides itself on offering high-quality customer service to homeowners and realtors.

Since many local and national companies offer home warranties to homeowners, choosing the right one can be difficult. In this article, we’ll review HomeGuard HomeWarranty and discuss the plans it offers, how much those plans cost, and what customers have to say.

One of HomeGuard Home Warranty’s biggest cons is that it’s not available in much of the country. Arizona and California residents can consider the pros this home warranty company has to offer, but others will have to look elsewhere.

Pros and Cons of HomeGuard HomeWarranty

ProsCons

All plans offer substantial coverage

Only available in California and Arizona

Provides options for extra coverage, including uncommon items like pest control and code upgrades

Refrigerator, washer, and dryer aren’t covered under basic plans

Has a customizable service call fee

Many positive reviews seem to come from realtors, not customers

BBB accreditation and A+ rating

13-month contracts in CA

Best Customer Ratings
VISIT SITE
$200 Off + 2 Months Free + Roof Leak Protection
Best for Comprehensive Coverage
VISIT SITE
40% Off Our Most Popular Plan
Best Value
VISIT SITE
Use Code HOUSE25 for $150 Off & 2 Months Free

HomeGuard HomeWarranty Plans, Coverage, and Costs

Since housing laws differ between Arizona and California, HomeGuard offers slightly different coverage plans in each state.

California Plans and Costs

For California homeowners, HomeGuard offers three levels of coverage: Standard, Advantage, and Total Protection. These contracts last a full 12 months after the 30-day waiting period, making them 13-month plans. Here is what those plans cover.

California Plans

CoverageStandard PlanAdvantage PlanTotal Protection Plan

Dishwasher

Range/oven/cooktop/built-in microwave

Garbage disposal

Trash compactor

Instant hot water dispenser

Re-key coverage

Heating system

Plumbing system and stoppages

Electrical system

Central vacuum

Garage door opener

Ceiling, attic, and exhaust fans

Water heater

Pest control

Telephone wiring

Doorbells

Smoke detectors

Limited roof leak coverage

Carbon monoxide detectors

Improper installation/repairs

Mismatched systems

Crane

Limited code upgrade

Building permits

Lack of maintenance

Refrigerant recapture, reclaim, and disposal

General disposal

Ice makers

Swamp cooler tune-up

Supplemental blanket coverage

Zone control coverage

Total code modification/upgrade

Total plumbing stoppage coverage

Toilet replacement

Water heater

Total plumbing coverage

Radiant heat upgrade

Enhanced slab leak and additional pipe leak coverage

Advantage and Total Protection Plans also come with either central air conditioning or kitchen refrigerator coverage. All plans can be supplemented with the following extra coverage:

  • Central air conditioning
  • A/C and heating pre-season tune-up
  • Supplemental blanket coverage
  • Swimming pool/spa equipment/salt water circuit board and cell
  • Solar pool/spa equipment
  • Solar hot water system
  • Water softener/reverse osmosis filtration system
  • Ornamental fountain
  • Clothes washer and dryer
  • Kitchen refrigerator
  • Additional refrigerators
  • Freestanding freezer
  • Well pump
  • Booster pump
  • Septic tank pump
  • Sewage ejector pump
  • Additional pipe coverage
  • Red tag option
  • Limited roof leak coverage
  • Outdoor kitchen
  • Smart home features

HomeGuard’s premiums in California will vary based on the size and age of your home. Here’s what each plan costs per year.

California Plan Costs

HomeStandard PlanAdvantage PlanTotal Protection Plan

Single-family home

$335

$485

$585

Condo/townhome/mobile home

$295

$430

$555

New construction (years 2-6)

$470

$580

Duplex

$440

$660

$850

Triplex

$620

$955

$1,115

Fourplex

$825

$1,265

$1,425

The service call fee, which must be paid every time a technician visits your house, is commonly $75, but for an extra $70 a year, you can pay a reduced service fee of $40. Here are the annual costs of HomeGuard’s additional coverage options, no matter which plan you purchase, along with any coverage caps listed.

Additional Coverage

CoverageYearly FeeMaximum Payout

Central air conditioning

$75

$1,500

A/C and heating tune-up

$25

Supplemental blanket coverage

$50

Increases any coverage cap by $250

Pool/spa equipment

$170

$1,500

Solar pool/spa equipment

$250

$1,500

Solar hot water system

$250

$1,500

Water softener/reverse osmosis

$70

$500

Ornamental fountain

$70 per fountain

$500

Clothes washer and dryer

$75

Kitchen refrigerator

$50

$5,000

Combo washer/dryer/refrigerator

$90

Additional refrigerators

$40

$1,500

Freestanding freezer

$50

$1,500

Well pump

$95

$1,500

Booster pump

$70

Septic tank pump

$30

$500

Sewage ejector pump

$25

$500

Additional pipe coverage

$100

$1,000

Red tag option

$25

Limited roof leak coverage

$75 for manufactured homes $160 for multiple units

Outdoor kitchen

$75

$1,000

Smarthome features

$75

$1,500

Arizona Plans and Costs

For Arizona homeowners, HomeGuard’s plans are organized a little differently. There are two plans to choose from, and they last the standard 11 months after the 30-day waiting period.

Arizona Plans

Coverage4-Star Plan5-Star Plan

Central air conditioning

AC/heating mini-split

Refrigerant reclaim/disposal

Cranes, permits, haul away

Code upgrades

Improper installation or modification

Mismatched systems

Dishwasher

Trash compactor

Kitchen exhaust fan

Oven/range/cooktop

Built-in microwave

Garbage disposal

Instant hot/cold water dispenser

Water heater

Plumbing system leaks

Plumbing stoppages

Electrical system

Garage door opener

Central vacuum

Pest control

Re-key service

Ductwork

Manufacturer warranty

Supplemental blanket coverage

Code/modification upgrade

Stoppage coverage

Water heater/heating system

Additional plumbing

Radiant heat upgrade

Enhanced slab leak and additional pipe leak coverage

Washer/dryer/refrigerator

If you buy either plan, you can buy supplemental coverage for the following items:

  • AC/heating pre-season tune-up
  • Kitchen refrigerator
  • Clothes washer and dryer
  • Additional refrigerators (up to four)
  • Swimming pool/spa equipment/salt water circuit board and cell
  • Solar pool/spa equipment
  • Solar hot water system
  • Water softener/reverse osmosis filtration system
  • Homeowners’ insurance deductible
  • Outdoor kitchen
  • Red tag option
  • Supplemental blanket coverage
  • Enhanced slab leak and additional pipe leak coverage
  • Freestanding freezer
  • Well pump
  • Booster pump
  • Septic pumping/ejector pump
  • Eco-friendly upgrade
  • Limited roof leak coverage
  • Guest house (under 800 square feet)

Yearly premium rates for these plans again vary by the size and age of the house.

Arizona Plan Costs

Home4-Star Plan5-Star Plan

Single-family home

$420 (or $785 for two years)

$510 (or $925 for two years)

Condo/townhome/mobile home

$365 (or $695 for two years)

$450 (or $860 for two years)

New construction (years 2-6)

$580

Duplex

$580

$715

Triplex

$790

$980

Fourplex

$910

$1,190

The service call fee for these plans is $65; however, you can pay an initial $65 fee to lower that cost to $30. You can also pay $45 to ensure that you can renew your plan at the same price you initially paid for it. Here are the fees for extra coverage, along with the maximum payouts they’ll cover.

Additional Coverage

CoverageYearly FeeMaximum Payout

AC/heating pre-season tune-up

$40

Kitchen refrigerator

$50

$5,000

Washer and dryer

$75

Washer/dryer/refrigerator combo

$90

Additional refrigerators

$40

$1,500

Swimming pool/spa equipment/salt water circuit board and cell

$170

$1,500

Solar pool/spa

$250

$1,500

Solar hot water system

$250

$1,500

Water softener/reverse osmosis filtration system

$70

$500

Homeowners’ insurance deductible

$30

$500

Outdoor kitchen

$125

$1,000

Red tag option

$25

Supplemental blanket coverage

$250

Increases any coverage cap by $250

Enhanced slab leak and additional pipe leak coverage

$100

$1,500

Freestanding freezer

$50

$1,500

Well pump

$95

$1,500

Booster pump

$70

Septic pumping/ejector pump

$55

$500

Eco-friendly upgrade

$20

Limited roof leaks

$100 ($160 for multi-unit)

$1,500

Guest house

$165

Here’s how HomeGuard warranty plans for single-family homes stack up against the costs for typical home warranties.

HomeGuard HomeWarranty Compared to the Competition

PlanMonthly PremiumYearly PremiumService Call Fee

Typical home warranty

$25–$50

$300–$600

$75–$125

HomeGuard Standard Plan (CA)

$27.92

$335

$75

HomeGuard Advantage Plan (CA)

$40.42

$485

$75

HomeGuard Total Protection Plan (CA)

$48.75

$585

$75

HomeGuard 4 Star Plan (AZ)

$35.00

$420

$65

HomeGuard 5 Star Plan (AZ)

$42.50

$510

$65

As you can see, HomeGuard’s plans fall in the median of the typical monthly premium costs for home service contracts.


HomeGuard HomeWarranty Reviews

HomeGuard HomeWarranty has been accredited by the Better Business Bureau (BBB) since 2008, and it holds an A+ rating for its transparent business practice and the care with which it handles customer complaints. Despite this, the company has a mix of positive and negative reviews. Here’s a sampling of those reviews.

“Don’t get a warranty from this company. They look for any reason to deny your claim. The contractors they use are horrible.” — Daniel I. on 10/17/18

“So I got a call from Wendy (manager) [and] she stated that she was going to get a heater tech to our home. I had to call to follow up but a tech came out…there was something wrong and HomeGuard OK’ed the fix and my heater is now running normal. So they stood by their word.” — Scott S. on 1/19/20

“We had a heater go out just after Christmas and although I did have to call back at 24 hours to make sure the tech was dispatched, we had a perfectly repaired heater in less than 48 hours as promised.” — Deryn M. on 12/31/19


Our Recommendation

The This Old House Reviews Team gives HomeGuard an 8.8/10. Though it provides extensive plans at affordable prices, it’s only available in California and Arizona, leaving other U.S. residents without protection. If you don’t live in California or Arizona and want comprehensive coverage, we recommend going with a home warranty provider like Liberty Home Guard.


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.