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Guard Home Warranty

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5.3

Overall Score

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LAST UPDATED: October 7th, 2022

Guard Home Warranty (GHW) offers warranty packages primarily for dwellings under 5,000 square feet, like single-family homes, condos, townhomes, and mobile homes. Three packages are available, covering up to 21 items. The plans are split, covering appliances, systems, or both, ranging from $39 to $54 per month for single-family homes. Claims can be submitted online through the online customer portal, and you can contact the sales and service team by phone, live chat, or email.

Continue reading to learn more about this home warranty company or jump down to read Guard Home Warranty reviews from real customers.

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The Good

  • Guard Home Warranty Plans
  • Guard Home Warranty Payment Options
  • No Home Inspection Required
  • Appliances of All Ages Covered
  • Choice of Contractor
  • Online Member Portal

Guard Home Warranty Plans

Guard Home Warranty offers three home warranty packages for consumers to choose from:

  • Appliance Package — $39 per month
  • Systems Package — $39 per month
  • VIP Package — $54 per month

Here is how each package compares:

  Appliance Package Systems Package VIP Package
Refrigerator  
Cooktop/range/oven  
Built-in microwave  
Trash compactor  
Dishwasher  
Clothes washer/dryer  
Garage door opener  
Air conditioning  
Heating  
Ductwork  
Water heater  
Plumbing/plumbing stoppage  
Sump pump  
Ceiling and exhaust fans  
Central vacuum  
Doorbells  
Electrical  
Garbage disposal  
Instant water dispenser  

It is worth noting that Guard Home Warranty doesn’t offer any optional coverage items, a common practice among home warranty companies, allowing customers to more easily adapt and personalize their home warranty plan.

Guard Home Warranty Payment Options

GHW offers three different billing frequencies to choose from:

  • Monthly payments
  • Quarterly payments
  • Annual payments

If you opt for quarterly or yearly billing, on top of the flexibility, you get a discount for upfront payment. Paying quarterly saves 5 percent, while paying annually saves a full monthly payment.

No Home Inspection Required

With Guard Home Warranty, no home inspection or maintenance records are necessary. Within the industry, this isn't always the case. Some companies require proof of maintenance, or an inspection to rule out possibilities of pre-existing conditions. 

Appliances of All Ages Covered

Some home warranty providers only cover systems or appliances that are less than 15 years old, no matter what. However, Guard does not refuse to work with your appliances or systems, based on how old they are. 

One thing to keep in mind is that they must have been installed correctly to be claimable, and they must be working properly at the time you engage a contract, as pre-existing conditions are not covered.

Choice of Contractor

Guard Home Warranty is one of very few home warranty companies that lets customers choose their own repair company. This policy is an important point of distinction between GHW and the majority of home warranty alternatives. Customers who have an existing relationship with a local repair service they trust will appreciate this policy. 

Online Member Portal

Guard Home Warranty makes it easy for customers to submit claims online, see past claims, and check statuses through an online customer portal. This self-service option stands in stark contrast with many home warranty companies that only accept claims via phone.

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The Bad

  • Limited Service Area
  • No Coverage for Pre-existing Conditions
  • Cancellation Fee

Limited Service Area

Guard Home Warranty operates in just ten states: 

  • Delaware
  • Idaho
  • Indiana
  • Kansas
  • Michigan
  • Missouri
  • New Jersey
  • Ohio
  • Pennsylvania
  • Tennessee

If you live outside of this service area, check out the best-ranked home warranty providers in your state. 

No Coverage for Pre-existing Conditions

Whether you knew about it or not, if you make a claim that is the result of a pre-existing condition, it won't be covered by your Guard Home Warranty. This type of exclusion policy is pretty standard within the industry, but essential for consumers to know. You cannot have a broken dishwasher and AC, then sign up for a warranty to get them fixed. 

Pre-existing conditions are also why GHW coverage doesn't start immediately. There is a 30-day waiting period from your enrollment date/first payment before your policy is active. If you are just switching warranty companies, GHW offers to waive the waiting period, if you can provide proof of prior coverage, showing no lapse between your policies. There is an exception for real estate clients, whose contract starts at the close of sale. 

Cancellation Fee

You can transfer your contract to someone else, at any time, for free. But, what happens if you want to cancel your home warranty policy?

If you cancel within the first 30 days of your order date, you will receive a partial refund: The contract fee that you paid, less a fee (10 percent of the contract price, or $50, whichever is lesser). Any service costs incurred by GHW will also be deducted from your refund. 

If you cancel after 30 days, your refund will be prorated based on the time left in your contract. An administrative fee (10 percent of your initial contract fee paid or $50, whichever is less) and any service costs incurred by the company will be deducted from your refund.

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The Bottom Line

Guard Home Warranty is a newer home warranty provider. Despite this, it seems to be a promising choice for consumers living in its service area. Warranty plan prices are very competitive. The company's service call fee is on the higher end, at $95, though the company states that most customers only have two service calls per year.

Customers benefit from multiple billing cycle options, solid coverage plans, the option to choose their own repair service, and numerous ways to contact GHW — including an online portal where claims can be submitted and tracked.

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Star Rating

3.8

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11 Reviews

Review Breakdown

5 grade

55%

4 grade

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3 grade

18%

2 grade

27%

1 grade

0%

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Verified Customer

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Alicia Goshen, IN

I like it because we can choose any contractor we want, we don’t have to just use anybody. It’s been great. We called and they were able to do the work over the phone.

2 years ago

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Reply from Guard Home Warranty

Alicia, thank you for the positive feedback! We are happy to help.

Sep. 1st, 2020

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Carolyn Cincinnati, OH

My garage door opener wasn’t working and I couldn’t get straight information of I needed to get the company to set an appointment. With the limit of the air conditioning and furnace will get you nowhere. The customer service is phony.

2 years ago

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Reply from Guard Home Warranty

Carolyn, we are sorry that your experience was not positive. We have very competitive limits on HVAC claims within the industry. We're sorry we couldn't get you the response you needed in a time that seemed reasonable to you. We appreciate your feedback.

Sep. 3rd, 2020

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Drew/Rosalina Wichita, KS

It was easy to get information and to get signed up. We are super grateful that our questions have been answered fairly quickly.

2 years ago

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Reply from Guard Home Warranty

Drew and Rosalina, we are happy to hear that we were able to answer any questions that you may have had. Thank you for the positive feedback!

Sep. 1st, 2020

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Jessica Indianapolis, IN

If I were in the position to choose and buy another home warranty, I would choose another company. The support is not there. When I reached out for information on what is covered and how to access it, my phone calls were ignored.

2 years ago

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Reply from Guard Home Warranty

Jessica, we apologize that you haven't received the information you need to fully understand your warranty. Please give us a call at 800-600-5129 to rectify this situation.

Sep. 1st, 2020

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Tony Pittsburgh, PA

Guard home warranty has the necessary items that my clients need. guard home warranty is always number one when it comes to my customer service and Guard will always give me a local representative like Naomi K to make sure that all my calls are returned in an orderly fashion for my clients.

2 years ago

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Reply from Guard Home Warranty

Tony, we are so glad that you have taken care of so well! Please reach out to us should you need anything. Thank you for the positive review!

Sep. 29th, 2020

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Rocky Verteramo South Bend, IN

Great company and great people! Quick to respond to questions and warranty features are the best I've found! I am a realtor and recommend Guard Home Warrant to all of my clients

2 years ago

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Reply from Guard Home Warranty

Rocky, thank you for such wonderful feedback! We are here to assist you and your customers when the need arises.

Sep. 30th, 2020

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Tucker La Porte, IN

When we bought our home, it was paid for. It seems like if there was an issue with the home that we could not fix, they would cover a lot.

2 years ago

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Reply from Guard Home Warranty

Tucker, you are correct! If you have an issue with a system or appliance, please don't hesitate to reach out and file a claim with our team. We look forward to serving you.

Sep. 3rd, 2020

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Anonymous Grand Rapids, MI

Up until the last the encounter, they were doing pretty well. Several months ago, I needed my furnace replaced and it went fine but I couldn’t get them to pay for the bill.

2 years ago

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Reply from Guard Home Warranty

Thank you for your feedback. Unfortunately, we can only pay out on claims that are covered by the contract. Thank you for your feedback, our customer service team will take a look into what happened. Thanks!

Sep. 3rd, 2020

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Daniel & Marylin White Pigeon, MI

A list of possible vendors should be available so they can choose better. That would streamline the process.

2 years ago

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Reply from Guard Home Warranty

Daniel and Marylin, thank you so much for your feedback. We pride ourselves on allowing the homeowner to choose their own contractor, however, we do have a list of high-quality contractors for a referral. We will make sure to offer the list when reasonable. Thanks!

Sep. 3rd, 2020

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Jessica Lebanon, IN

They explained everything very well and made the process very seamless.

2 years ago

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Reply from Guard Home Warranty

Jessica, thank you for the positive feedback! We are glad we were able to help.

Sep. 1st, 2020

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Kristen Olsen ,

The option to choose your own contractor is nice. The peace of mind knowing my clients are covered should they experience a mechanical failure.

2 years ago

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Reply from Guard Home Warranty

Kristen, thank you for the positive feedback. We believe allowing our customers to choose their own contractor is crucial. We are always happy to take care of you and your customers!

Sep. 30th, 2020