OneGuard Home Warranty Reviews (2020) — Is It Worth It?

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Is a OneGuard home warranty the right choice for you? Find out in our review of OneGuard Home Warranties | Photo Credit: Shutterstock © Ewelina Wachala

Established in Phoenix, Arizona in 1990, OneGuard Home Warranties offers a unique combination of home warranty plans and home maintenance services, such as pest control and carpet cleaning. OneGuard Home Warranties’ plans are only available in Arizona, Nevada and Texas.

In this article, we help you decide on OneGuard Home Warranties by examining this provider’s coverage plans, cost, reviews, and quotes and claims processes.

In This Article:

Today’s Homeowner works with an independent reviews team to create evidence-based research that helps our readers make informed decisions. The reviews are always independent. For transparency, we may be compensated if you purchase through a link.

Value of a Home Warranty

According to House Method, an HVAC system costs over $4,200 to replace and a water heater costs over $1,000 to replace. These are just two examples of the many systems and appliances that you might need to replace in your home at some point in time. Most homes will also require occasional repairs to the complex systems and appliances within them.

The vast majority of homeowners don’t have the money to make unexpected replacements and repairs costing over $1,000. So, how do they keep their homes maintained? A home warranty is useful for many homeowners, allowing them to pay a monthly or annual premium and a trade service fee for every repair visit instead of paying out of pocket for repairs. In 2019, over two billion dollars were spent on home warranties in the U.S. alone.

Our review team thinks that is wise to consider purchasing a home warranty because of the peace of mind and financial stability that it brings. You can read more about the value of a home warranty in our article discussing whether home warranties are worth it.

OneGuard Home Warranties Highlights

  1. Only available in Arizona, Texas, and Nevada
  2. All plans come with additional services such as window cleaning, pest control treatment and carpet cleaning
  3. Option for customers to work with service contractors whose work they previously liked

OneGuard Home Warranties is an excellent home warranty provider, earning an A+ rating from the Better Business Bureau (BBB) and nearly a four and a half star customer review rating on its BBB webpage based on more than 300 customer reviews. OneGuard Home Warranties is unique in that all three of its plans come with additional services such as carpet cleaning, pest control treatment and window cleaning. One major downside to OneGuard Home Warranties is that it is only available in three states — Arizona, Texas and Nevada.

You can get a quote from OneGuard Home Warranties by calling 888-896-0014 or by entering a few details on the company’s quote form.

Though we like OneGuard Home Warranties, we recommend American Home Shield (AHS) to our readers because of its availability in 49 states, its Build-Your-Own plan and its rapid claims response.

You can get a free quote from AHS by submitting a simple form or by calling 844-529-9298

What to Know About OneGuard Home Warranties Plans

OneGuard Home Warranties offers three home warranty plans — ApplianceGuard, SystemGuard and HomeGuard. As the names suggest, OneGuard’s ApplianceGuard plan focuses on covering your appliances, while its SystemsGuard plan focuses on covering your home’s systems. The HomeGuard plan covers both your appliances and your systems. 

All three plans come with additional services such as window cleaning and pest control treatment. You can see what each plan covers in the table below, which may vary depending on your state of residence.

As with every home warranty company, there are some exclusions with every covered item from OneGuard. We advise that you read a sample contract from the home warranty companies you are considering before purchasing a plan so you know exactly what the company will and will not cover. It is also wise to take note of a company’s maximum coverage caps, which is the maximum amount they are willing to pay you for each item they cover. 

Items ApplianceGuard SystemGuard HomeGuard
Kitchen appliances ✔️ ✔️
Kitchen refrigerator with ice maker and dispenser ✔️ ✔️
Dishwasher ✔️ ✔️
Range/oven/cooktop ✔️ ✔️
Built-in microwave ✔️ ✔️
Garbage disposal ✔️ ✔️
Instant hot water dispenser ✔️ ✔️
Trash compactor ✔️ ✔️
Washer and dryer ✔️ ✔️
Air conditioning  ✔️ ✔️
Heating  ✔️ ✔️
Plumbing ✔️ ✔️
Plumbing stoppages ✔️ ✔️
Water heater ✔️ ✔️
Electrical system ✔️ ✔️
Ceiling and exhaust fans ✔️ ✔️
Central vacuum ✔️ ✔️
Smoke detectors ✔️ ✔️
Doorbells ✔️
Garage door opener ✔️ ✔️
Equipment disposal ✔️
Permits and code upgrades ✔️
Air conditioning and heating system tune-ups ✔️ ✔️
Garage door tune-ups ✔️ ✔️
Rekey and garage remote reprogram ✔️ ✔️ ✔️
Carpet cleaning service ✔️ ✔️ ✔️
Window cleaning service ✔️ ✔️ ✔️
Dry vent cleaning ✔️ ✔️ ✔️
Pest control treatment ✔️ ✔️ ✔️
Termite treatment ✔️ ✔️ ✔️
Lawn pre-emergent weed control ✔️ ✔️ ✔️
Lawn weed kill treatment ✔️ ✔️ ✔️
Lawn fertilization ✔️ ✔️ ✔️
beautiful white kitchen in new luxury home with island, pendant lights, hardwood floors, and stainless steel appliances
Photo Credit: Shutterstock © Breadmaker

Optional Coverage

OneGuard Home Warranties offers a number of optional add-ons with each of its plans. You can see these options in the table below.

Add-ons ApplianceGuard SystemGuard HomeGuard
Undetectable pre-existing conditions coverage* ✔️ ✔️ ✔️
Built-in pool/spa ✔️ ✔️ ✔️
Salt water pool/spa ✔️ ✔️ ✔️
Additional pool pump/water feature ✔️ ✔️ ✔️
Additional freestanding refrigeration ✔️ ✔️
Upgrade to built-in kitchen refrigerator ✔️ ✔️
Additional built-in kitchen refrigerator ✔️ ✔️
Additional freestanding kitchen refrigerator ✔️ ✔️
Additional built-in microwave ✔️ ✔️
Additional dishwasher ✔️ ✔️
Additional range/oven/cooktop ✔️ ✔️
Second washer and dryer ✔️ ✔️
HVAC equipment incompatibility coverage ✔️ ✔️
Extended mainline plumbing ✔️ ✔️
Sprinkler system and timer ✔️ ✔️
Additional sprinkler valve ✔️ ✔️
Water softener and reverse osmosis filtration system ✔️ ✔️
Guest house ✔️

*If you purchase this add-on, OneGuard will cover malfunctions caused by undetectable conditions as long as the failure is a result of normal wear and tear. Known defects are not covered by this upgrade. 

Cost Breakdowns for OneGuard Home Warranties

Home Warranty Plans

The cost of a plan from OneGuard Home Warranties is dependent on a variety of factors, including your state of residence, the plan you purchase and whether you purchase any optional add-ons. Here are the starting prices for OneGuard Home Warranties in the three states the company covers:

State ApplianceGuard SystemGuard HomeGuard
Arizona $29 per month  $38 per month $50 per month
Texas $30 per month or as low as $324 per year $44 per month $56 per month
Nevada $25-$27 per month or $300 per year $34-$37 per month or $420 per year $50-$57 per month or $660 per year

These plans are very reasonable considering the large amount of coverage each of them provides. OneGuard Home Warranties allows you to pay in monthly installments or purchase an annual plan. An important point to note about paying monthly for your home warranty with OneGuard is that you will be charged a $2 administrative fee per month. Also, customers who select the monthly plan have to make their first and last payment in advance.


The cost of add-ons depends on the specific item being added, and it also varies slightly by state. The table below shows a breakdown of add-on costs for Nevada homeowners. As you can see, the price per month ranges from $5 to $33 a month.

Add-on Price per month Price per year
Undetectable pre-existing conditions $7  $84
Built-in pool/spa (chlorine) $18 $216
Built-in pool/spa (salt water) $33 $396
Additional spa/pool pump (per unit) $8 $96
Built-in kitchen refrigerator upgrade $15 $180
Additional refrigeration units (per unit) $5 $60
Sprinkler system and timer $5 $60
Extended mainline plumbing $8 $96
Water softener $6 $72
HVAC equipment incompatibility protection $10 $120
Guest house $23 $176

Service Fee

OneGuard Home Warranties charges a $69 service fee each time you have a repair visit. This is lower than the industry average of $75 per service visit. All the repairs made by OneGuard’s contractors are guaranteed for 30 days. That means if the system or appliance fails again within 30 days, you will not be charged a service fee. 

Quotes and Claims with OneGuard Home Warranties

You can get a quote from OneGuard Home Warranties by calling 888-896-0014 or by filling out the company’s quote request form online.

To submit a claim, you can call the company at the same number, 888-896-0014, or submit it online through your OneGuard Home Warranties account.

OneGuard will connect you with an authorized contractor within four business hours, or within 48 hours on weekends or holidays. The contractor will contact you to set up your appointment.

OneGuard Home Warranties takes emergency service requests too, and they will expedite these requests. The company considers these events emergencies:

  • Plumbing failure that causes severe interior flooding
  • Complete loss of heating or cooling during extreme temperature
  • Significant loss of electrical or any other system that renders the home uninhabitable

OneGuard Home Warranties Reviews

OneGuard Home Warranties holds an excellent A+ rating with the Better Business Bureau (BBB) and is an accredited business. The company also holds nearly a four and a half star customer review rating on both its BBB and Angie’s List webpages, which is very impressive.

Customers reviewing OneGuard mention the company’s quick response to claims, friendly customer service representatives and professional contractors. Some customers mentioned that OneGuard Home Warranties let them continue working with the same service contractor whose work they previously liked. There are not many negative reviews, but those we found revealed frustration with the company’s coverage plans or claims response.

Here are a few sample positive and negative reviews to consider:

Positive reviews:

“Alex was extremely helpful. He answered every question with confidence and accuracy. I chose to renew with him rather than do it online. Thanks Alex for a job well done!”

– Mitchell B. via BBB

“Outstanding service. Our only cost was the initial service fee of $69 when we reported our upper oven was not working properly.”

– Anonymous reviewer via Angie’s List

Negative reviews:

“It has been over a week without a properly functioning water heater. While I understand that OneGuard seeks to control its costs, it should not take more than a couple of days to get a water heater replaced or repaired.”

– Anonymous reviewer via Angie’s List

“Waiting one week for an HVAC technician in over 100 degree weather is not okay. Providing no alternatives in such high temperatures is not okay.”

– T. DiLeo via BBB

Our Assessment of OneGuard Home Warranties 

OneGuard Home Warranties is an excellent home warranty provider for homeowners living in Arizona, Texas or Nevada. We are impressed by the company’s excellent reputation and inclusion of home services into its plans, such as carpet cleaning, window cleaning and landscaping.

The company’s plans are reasonably priced, and the quotes and claims processes are both simple and relatively quick. The only downsides are the $2 administrative fee per month when you choose to pay monthly and the requirement to pay your first and last payment in advance.

Overall, we would definitely consider getting a quote from OneGuard Home Warranties and comparing its offer and coverage plans with our recommended provider, American Home Shield.

You can get a quote from OneGuard by calling 888-896-0014 or by entering a few details on the company’s quote form.

Recommended Provider: American Home Shield

You can get a free quote from American Home Shield by calling 844-529-9298 or by filling out the company’s quote form.

OneGuard Home Warranties is an excellent provider and worth considering. However, our review team recommends American Home Shield (AHS) as the Best Overall provider for the following reasons:

  1. Build-Your-Own plan: AHS offers a plan that lets you decide which systems and appliances are worth paying to cover every month.
  2. Available in 49 states: AHS is available in 49 states, excluding Alaska
  3. Market leadership: AHS founded the home warranty industry and covers nearly one out of every two customers with a home warranty.
  4. Large network of certified, professional contractors: AHS works with more than 16,000 licensed and approved contractors, ensuring quick and professional service in all 49 of its covered states.
  5. Quick claims response: Because of its size and market dominance, AHS is able to respond to claims within 24 hours, 98{5ad4713dcdf095b5e90aabe8844e1d4ac30f2574115e794a77015199f2c7d573} of the time. This is much faster than most home warranty companies, including the other best home warranty companies.

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