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"Words can be a powerful tool. However, I don't know if there are words strong enough to express the utter disgust and overall disenfranchisement our family" has painfully experienced using
(Liberty, MO & Toronto, Canada) This company is a band of crooks, street swindlers, and in every sense of the word; charlatans. They practice chicanery at every corner and swift deceit upon every step. There must be an outpost in H*** for such an enterprise of 'so called' home warranty pariah. These troglodytes feed on good people's sincere intention of having a legitimate insurance plan in place for the eventuality of their appliances failing. They barely even repair anything without first coming up with a litany of what they will and mostly won't do. Please, please, please, SAVE YOUR HARD EARNED MONEY AND TIME, AVOID
. Here's our story: We have been with
for three and one-half years. They advertise: no deductible/ service call payment, pre-existing conditions such as rust are acceptable etc........ Sounds great, right? Affordable plans, right? No. Not so much. We spent $87per month for basic appliances and extra for an ice making refrigerator ( because they're so rare. I mean only the ultra rich have ice making fridges). Our appliance doors,
, latches, springs...... not covered. Swimming pool, garage door opener, water softener.....not covered. Most other warranty companies cover these items and for less. And yet, they call themselves Complete. Six months after sign-up our water heater failed- the tank rusted through and spewed rusty, red water all over the garage floor. Great! Wait........"Honey, don't we have a warranty company?"---"Yes
. I'll call them right away". They asked the age of the 'unit'. After I told them it was five-years-old, they said, "Well, that's old and we'll give you a reimbursement of two-hundred-dollars". I was throttled, I ended up paying one-thousand out of pocket! As I alluded to earlier on; they refused to fix the latch opening mechanism of my microwave (two years later, still won't open), explaining that they only cover magnetrons. They begrudgingly repaired two relays on our AC compressors ($320) they refused to repair our range hood, explaining that in the 'small type' of our BS contract- range hoods aren't covered- (even though the range came as an integral set with the cooktop) they recently fixed a $300 inverter board on our GE fridge but, not without asking the service tech the age of the fridge and if we took good care of it! Their AC tech,that they sent to my house twice, told my wife and I that our compressors are failing and will not make it through this Summer (2015). He said the windings are shot and the ramp-up time was at it's absolute limit. He explained that the warranty company will undoubtedly refuse a $3,800 bill for the replacement of a compressor and coil, and that they would just pay the
allowable ($500 for the compressor and $300 for a coil). Another AC tech they sent to my home two years ago and a plumber friend of mine both advised me that these warranty companies operate on a fifty-percent principle (they have no principles and are reprehensible, recalcitrant thieves).......so, I guess, it's more a fifty-percent metric. Anyway, this is how it goes: They take a rolling tally of what you've paid in so far, when something breaks, they apply the fifty-percent metric. Say that you've paid into the warranty $600 and the cost of repair is $300, your covered. Now, if the cost is $550; you'll be met with the typical, "That appliance is old and we'll give you
pay out on that item". Which, by the way, is ALWAYS less than fifty-percent of what you've paid and, typically, less than one-quarter of the price for a new unit. My AC is hardly running it stays on continually to only affect a temperature change of three to five degrees! Our electric bills have tripled! Yesterday we got a second opinion from another AC company that is super, top-rated on Angie's List, Yelp, Google, Yellow Pages, BBB etc......... They advised us as well, that our units will fail probably within weeks and are operating terribly. I can't leave my wife and kids in a home with no AC and 115 degree heat in
, AZ. As tight as our finances are, I decided to take initiative and have the failing units replaced, because I knew this warranty company would never make the big compressor repairs. The gentleman from the AC company advised me to explain the situation to
; he told me that the more reputable warranty companies will meet you part way and just issue
pay out for the units if you explain that they are failing, old, and you don't want to be in an un-livable condition upon their failure. Additionally, I just signed a $22,000.00 contract for new AC units. Guess what
allowable is? I will tell you: $500 for compressors (they're $3,800-$5,000) $300 for coils (they're $1,500-$3,000) and $300 for the Air Handler/ Furnace (they're $2,000 to $3,500).............what a deal! It doesn't even pay the tax. So, I politely presented my situation to
. They basically told me to pound sand. The first individual I spoke with earlier this week, prior to our AC appointment/ quote, advised me to have the technician call and explain our situation. When the tech/ sales rep. was actually in our home, I called
. I got a snooty, terse, militant girl on the phone who said, "until it breaks we do nothing. No if's and's or but's". Ya' that went well. Bottom line folks, these companies are flush with cash (our cash) and they are a band of rip-off artists. I cancelled my contract yesterday out of unmitigated frustration and stress. My wife and I have dumped nearly $4,000 of hard-earned money into the pockets of
!!! In the end, they're
and laughing, I'm broke and stuck with the huge bill for new AC, and they've only paid under $1,000!!! in small repairs over the nearly four-year estranged relationship. I hope that the take-away from this posting is; that all of these warranty companies
on the ill-advised consumer. They provide a sense of security and insurance. BUT, that is all it is, it's just a sense. When stuff breaks, so too does that warm fuzzy feeling as they start describing the level of arbitration and 'company discretion' they possess; which is worded in the minuscule, tiny type at the bottom of the last page of your contract. Do yourself a tremendous favor and value; set aside about $1,000 in a coffee jar to meet appliance fixes. Anything huge like AC won't be covered anyway. Then use plastic or a home repair loan and get it fixed. Home warranty companies are a scam from the get-go and,
out of Liberty, MO is chief among them.

-Gary R.

"Tried to request service on our A/C. 110 degrees here in
. They refused to even talk to us until we paid the service fee for our refrigerator" repair 2 months ago. Were extremely rude and condescending when we assured them that the bill had been paid. Required payment by credit card that afternoon (for the previous service visit), but the payment couldn't clear until after midnight, so they wouldn't even initiate a service request until the next day. I have sent them 3 emails now with proof of payment of the original service (from my bank, showing the payment had been processed by their company and cleared by my bank weeks earlier). They have never responded to my request for a refund of the original payment or reversed the credit card payment. Have had home warranty coverage through
for 8 years ago. Have needed service through them a number of times for our A/C and refrigerator primarily, but also for a broken hot water heater. EVERY time a repair was needed, it has taken 3 - 4 days (or more) to get someone to the house, even when it was 115 degrees or we had no hot water. 2 summers ago, we had to LITERALLY call them back no less than 6 - 8 times when the repair company failed to repair our A/C. Every time they would come they would give a different reason that the unit wasn't working. They replaced component after component. On the 4th or 5th visit (all requiring that we take time off from work, mind you), the service person did something that caused electrical failure for the entire house. It took several days for them to send an electrician to repair the damage done!! This was (of course again) in 110 - 115 degree heat. We had to stay at a hotel for several nights (our dog would have died while we were at work during the day) and were not reimbursed for the expense, despite this being caused by the service company. EVEN AFTER THAT they refused to let us change the service company still working on the original problem that was not yet repaired. I am a 50 year old physician and I literally BEGGED them to send out a different company, as this one was clearly inept/incompetent. I filed several complaints with them regarding the service company. They still refused to let me change, saying that the repair would stay with the same company until it was resolved. I eventually called a company on my own (and paid for the service out of pocket) who repaired the A/C on the first visit. Each and every time there has been frustration, obfuscation and a considerable impact on career obligations to get a repair done. To their credit, they have never made any of the pre-existing condition or lack-of-maintenance denials that I have seen in reviews of other companies. I can not more passionately discourage anyone from using this company. I am investigating alternative companies but am also reading numerous and consistent articles by reputable consumer reports agencies recommending against purchasing a home warranty service contract with any company.

-Robert B.

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Local Articles in Phoenix

What's Included in a Good Home Warranty?

What separates a good home warranty from a bad one?


Home warranties

Year after year home warranty companies have topped the Angie's List most complained about category list, with nearly half of member reports in this category rating these companies unfavorably. The key behind this appears to be an expectations gap between the companies and their clients regarding what is covered and whether service calls on covered items are entirely free.

Attractive home
Warranty Companies - Home

Dear Angie: What are the differences between a home warranty on a new home and one for an existing home? – Kenneth E., Fort Mohave, Arizona

blue house, windows, swing, green grass
Warranty Companies - Home

Is a home warranty worth it?

Angie's List
Alarms, Earthquake Retrofitting, Health Insurance - Agents & Companies, Health Insurance - Brokers, Home Inspection, Hurricane Shutters, Insurance Agencies, Mortgage Companies, Warranty Companies - Home

No. 1: fire stations make good neighbors. If you’re more than five miles from a fire station or more than 1,000 feet from a fire hydrant, you’ll pay several hundred dollars more per year for your policy.

Angie's List
Organization - Home & Garage, Warranty Companies - Home

Each year, Angie's List analyzes its consumer reviews to determine what types of service yield the most complaints. Angie walks you through our findings.

Angie's Answers


First, call your insurance company and tell them you do not want any proceeds paid to the contractor under your policy as you are not going with them.  This way they can not collect money on your behalf.  Insurance will typically have you sign a form for release of funds anyway but this is a good extra step to make sure your signature isn't forged.  Second, call the contractor and tell them you will not be needing their services afterall.  Did your husband pay a deposit?  If so it may be non-refundable.  Then follow up with a certified letter. 


An email as well doesn't hurt but some states don't yet recognize email as a form of communication for legally binding documentation.  This may have changed and I'm sure more states do recognize them as I haven't followed that topic elsewhere as much as I used to.  The contractor's office should be local.  A sure fire way to ensure they got the message is to deliver the letter to the office of the contractor and have someone at the office sign a duplicate stating it has been recieved and read.  There's no arguing whether they received it or not by doing that.


Hopefully you've learned your lesson about high pressure sales techniques and storm chasers looking for a quick buck.  Some people find out a much harder way.  While these guys may be legitimate you should always do your homework on a contractor before signing the contract.  Unless you have water running out of the house and the work has to be done on the spot it's not so much of an emergency that it can't wait until the next day.


Todd Shell

Todd's Home Services

San Antonio, TX

Consider going to library an reading Consumer Reports rating on home insurance companies in your area.  For affordabilty elect the highest deductable you can stomach.  This will lower your premioum, I went thru Costco, they and Sam's Club can be a valuable resource for home and car insurance. Shop on line with your needs to save money.  Unless you have major assets forget large policy. For your gutter and roofing needs see my blog.
Jim Casper 

Home Warranty reviews in Phoenix


The locksmith service arrived in a timely manner and did a wonderful job. They came in and were able to re-key my house in very little time.
- Denni F.

I had problems with the washer, and the tech they sent out said we needed a new part. He came back to replace the part, but the washer was not fixed. He lied about the repair when it was not complete. I did not like the recommendation they gave to me at all.
- Beka G.

we've used
Phoenix Home Warranty Companies Provider Name Locked
for many years, and have always found them and their subcontractors (with only two exceptions over the years) fair, fast, convenient and excellent quality. we've had hot water heaters replaced within 24 hours, air conditioning units fixed as quickly, and other services performed efficiently and professionally. They even found and fixed a problem with an AC unit that several other AC companies could not figure out. The cost keeps increasing, and coverage seems to get a little skimpier each year, but the peace of mind and consistently high quality service is wonderful. We recommend them.

- Bruce B.

I paid extra to have the pool and hardware for the pool covered by the warranty. Every time I called to get warranty work done they would respond with either that isn't covered or " We'll need to send a tech to confirm that we will cover" and then call back and say that it is not covered. Same with the A/C and electrical in the house when I called.
- Shawn G.

The technician came out to my home and provided great service. very knowledgeable and courtesy.. He explained what was going on and what he would need to do to repair my unit. He made the phone call, to
Phoenix Home Warranty Companies Provider Name Locked
and they informed me because I have great policy, everything for my repair would be covered.. Very pleased. I would have been lost if it was not for
Phoenix Home Warranty Companies Provider Name Locked
!!!!! Thank you everyone for being so nice and helpful.
- Renee D.

As part of my home warranty, One-Guard provides a semi-yearly air conditioner tune-up. I requested and paid for the service on-line and someone called within a few days from the contracted service company. They let me know they had received the order and they asked me about the best days for me and my schedule for the following week (this was a Thursday). They called me back the following day to schedule the appointment for the following Wednesday, which worked best for me. The tech called prior to arriving, was very nice, explained what he was doing, and asked before making any repairs as that was an additional service fee. We only required a few minor replacement parts and he was able to make the repairs that day and the units have been running great since. Very pleased with the service!
- Jodi I.

Phoenix Home Warranty Companies Provider Name Locked
Warranty dispatched a plumber to fix two leaks caused by loose connections.

The plumber arrived and had his apprentice fix both items within five minutes. Once the work was complete, he then called the
Phoenix Home Warranty Companies Provider Name Locked
for authorization.
He gave the phone to me, and I was then advised by
Phoenix Home Warranty Companies Provider Name Locked
that only one of the two repairs was covered, even though he had already performed both. I advised the warranty company that he had performed both services, and they simply said it wasn't covered. The plumber advised me that I would have to pay the 60 dollar trade call fee, plus 89 dollars for the uncovered repair. I protested the additional cost since I was not provided a quote or told that the service wasn't covered. He lowered the total cost to 119.00 for both.

I complained to the
Phoenix Home Warranty Companies Provider Name Locked
, and they advised that the cost was only $37.50, which is less than the trade call fee, and that only $37.50 should have been collected. The additional work must be quoted and authorized, and since that did not happen I should only be liable for $37.50. After numerous calls they have agreed to refund me the difference between the trade call fee and $37.50, since the contractor violated the agreement by collecting the full fee. However, they will not take responsibility for the contractor failing to provide a quote or obtain my authorization for the uncovered work, or for the provider failing to pre-authorize the repairs with them. Thus, I'm out an extra 59 dollars. This is extremely unethical behavior on the part of their contractors, as they are 1> Charging the owner the full trade call fee, even when the actual covered services are less than the fee - contrary to the contract. 2> They can come in and fix the issues, and then if anything isn't covered they can charge you whatever you want - since they have already done the work. I could have easily found a handyman to perform this work for less than $119, however their way of doing business didn't provide me that opportunity. Extremely disappointed that they will not make this right or take ownership of the issue.

- Eric P.

Very responsive and helpful with the close of escrow process. Received great service for changing the locks through Copperstar Security. Horrible experience with the pre-season air conditioning check. First, One Guard was completely misleading in paperwork showing that this was included in the purchase of the policy. I had to pay an extra $59 upon scheduling the A/C inspection. The vendor sent out, Cool Blew HVAC, was terrible. The technician was extremely unprofessional, showing up 60 minutes late and requiring me to provide progressive driving instructions after he got lost (GPS please?). He was very odd and had zero people skills. He opened my expensive 3M filter without asking, and it turned out to be the incorrect size (new home for me!). He was not remorseful at all, even though I explained it would be difficult to exchange for the correct size now that he did that. He walked off with the filter without consulting me, basically stealing the filter. But best of all, while he was there, our building electricity went out for over an hour. I had another vendor in my condo who had to work in the dark. I found out yesterday thru the management company that the Cool Blew tech had caused the building outage, but he never said a word to me while he was there! When I confronted One Guard "customer care advocates" they didn't believe my story, taking the vendor's word for it. In fact, the tech claimed that the electricity was already off when he arrived, and that it must have been my other vendor! It's is abhorrent that One Guard would believe the inept technician, especially since I took him to the rooftop condenser unit via THE ELEVATOR! I couldn't MAKE this stuff up! I am extremely disappointed, after seeing the positive reviews of One Guard on Angieslist, that they are not advocating for their customers and are in the corner of deceitful vendors. I hope this is an anomaly since I'm "stuck" with them for the next year. I understand things happen, but it's how the company responds to issues that makes all the difference.
- Gregory S.

Home Warranty Companies in Phoenix

Companies below are listed in alphabetical order. To view top rated service providers along with reviews and ratings, Join Angie's List Now!

A/C Experts

462 S Gilbert Rd suite 764

A2Z American Construction

2023 darrel rd


Phoenix Anthem Scottsdale Sun City Avondale AZ

Alpha & Omega Plumbing, LLC

PO Box 67045

Alternating Current Electrical Experts llc

462 S Gilbert Rd suite 764

American Home Shield

889 Ridge Lake Blvd

Anytime Appliance Service

4427 W Eva Street

Awning Man

25442 204th St


3685 N Navajo Dr
Prescott Valley

Buyers Protection Group (BPG)

4300 Alexander Drive

Choice Home Warranty

1090 King Georges Post Rd

Complete Home Service

462 S Gilbert Rd suite 764

Farmers Insurance

20819 N Cave Creek Rd

farmers Insurance/ Look Out agency

10265 W Camelback Rd

Freedom Insurance Group, LLC

1166 E Warner Rd.

General Contracting & Maintenance Companies

4716 N. Perryville Road
Litchfield Park

Golden Rule Plumbing, LLC

475 S Meridian Rd
Apache Junction

Joe Streckfuss Plumbing LLC

16772 W Bell Rd


10426 E BUTTE ST
Apache Junction

King James' Cleanup LLC

2902 E John Cabot Rd

Luster Custom Homes & Remodeling

18801 N Thompson Peak Pkwy.

Lyons Roofing

878 W. Illini Street

MoistureFree Warranty

20227 Railroad St

Moon Valley Plumbing

PO Box 72495

NexGen Builders

15029 N Thompson Peak Pkwy

OneGuard Home Warranties

20410 N 19th Ave.

Orangutan Home Services

2922 S Roosevelt St

plumbing & drain masters

19216 N Joy Ln
Sun City

Pro Solutions Air

13174 W Foxfire, Suite B-130


595 Market St

Surface Link

4200 Lafayette Center Drive

VIP Roofing Services LLC

520 W Warner Rd

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