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Home Warranty

OneGuard Home Warranty Review

On this page:
  • OneGuard home warranty plans
  • Starting costs for OneGuard plans
  • Compare OneGuard vs. other companies

Compare the best home warranty companies in your area.

No matter whether you are a new homeowner or have owned your home for years, investing in a home warranty is a smart idea to ensure the systems in your home are working properly at all times. A home warranty protects major appliances and systems such as plumbing, heating and cooling, and also saves you money on repairs in the long run. There are lots of home warranty companies on the market today, so it is important to choose the best one for your needs. OneGuard Home Warranty is a company that has been in business since 1990. It was started by property managers who were frustrated by home warranty companies that didn’t offer what they needed, and wanted to help homeowners deal with the hassles of home repairs. On this page, learn about OneGuard home warranty plans, what they offer, and how they compare to the competition.

OneGuard Home Warranty Plans

Most home warranty plans cover a number of home appliances and systems. OneGuard offers customers three plans to choose from, and each has a number of different appliances and systems it covers.

Reading the fine print on what your home warranty covers is key to evaluating whether it will fit your needs.

OneGuard home warranty plans are called Sentinel, Centurion and Guardian. Below you can explore the appliances and systems that each plan covers.

OneGuard home warranty plans 1
Built-in microwaveYesYesYes
Garbage disposalYesYesYes
Trash compactorYesYesYes
Washer and dryerNoNoYes
OneGuard home warranty plans 2
Air conditioningYesYesYes
Water heaterYesYesYes
Electrical systemsYesYesYes
Ceiling and exhaust fansYesYesYes
Central vaccuumYesYesYes
Garage door openerYesYesYes
HVAC equipment incompatibility coverageNoYesYes
Preferred upgrade coverageNoYesYes
Extended main line coverageNoNoYes

In terms of coverage for these plans, the Sentinel home warranty plan is the most basic, and also the most affordable. With this plan, you will not get coverage for your washer and dryer, refrigerator, HVAC equipment incompatibility, or extended main line plumbing.

The Guardian home warranty plan is the most robust, covering most major appliances including washer and dryer and refrigerator, as well as extended main line plumbing and HVAC incompatibility. However, it will also be the most expensive plan.

Included Services

Outside of their unique appliances and systems offerings, all three OneGuard home warranty plans offer these services:

  • Re-Key & Garage Remote Re-Program
  • A/C & Heating System Tune-Ups
  • Termite Treatment
  • Pest Control Treatment
  • Lawn Weed Kill Treatment
  • Carpet Cleaning
  • Window Cleaning Service
  • Dryer Vent Cleaning
  • Garage Door Tune-up Service
  • Ceiling Fan & Light Fixture Installation
  • Free Security System

Add-on Coverage 

There are also add-on options to your plan if they are  not already included. Add-on coverage is available for the following:

  • Additional Freestanding Refrigeration Units (per unit)
  • Additional Pool Pump/Water Feature (per unit)
  • Built-in Pool/Spa (1 Set of Equipment)
  • Guest House
  • Salt Water Pool/Spa (1 Set of Equipment)
  • Septic System
  • Sprinkler System and Timer
  • Water Softener & Reverse Osmosis Filtration System
  • Well Pump
  • Extended Main Line Plumbing
  • Kitchen Refrigerator
  • Washer & Dryer
  • HVAC Equipment Incompatibility Coverage
  • Preferred Upgrade Coverage

OneGuard Home Warranty Costs

The cost of your home warranty typically includes a monthly subscription fee plus service fees for each time a technician is called or a claim is filed. Pricing for your OneGuard home warranty varies based on the state you live in. The same three plans are offered in each state, but monthly subscription fees and service fees vary.

Note that these are the starting subscription fees for each plan by state. Additional coverage for add-on appliances and systems will increase those amounts.

Oneguard home warranty cost
StateService feeSentinel annual feeCenturion annual feeGuardian annual fee

The lowest service fee that OneGuard home warranty offers is in Nevada at $69 per service. The Sentinel plan annual fee is a bit lower in Nevada at $379, compared to Texas and Arizona at $399. Pricing is a bit higher in Texas for both the Centurion and Guardian plans, at $549 and $699 respectively.

OneGuard Home Warranty vs. Other Plans

Determining the best home warranty service should include a comparison of the competition. Here’s how OneGuard home warranties stack up against two other popular home warranty companies: American Home Shield and First American.

House with pitched roof


  • Monthly subscription fees. Fees range from $25 to $56 a month depending on the state you live in. Texas plans are $30, $44 and $56 for each tier. Prices are $25, $34 and $50 in Nevada. And $29, $38 and $50 in Arizona. Subscription fees are based on a 1,499-square-foot home.
  • Service fees. $69 in Nevada and $75 in Arizona and Texas.
  • State coverage. OneGuard serves just three states: Arizona, Texas, and Nevada.
  • BBB Rating. OneGuard has a Better Business Bureau rating of A-.
  • Waiting period. There is a 30 -day waiting period.

American Home Shield

  • Monthly subscription fees. Fees range from $34.99 to $74.99 per month, which is a bit more expensive than OneGuard.
  • Service fees. Fees range from $75 to $125 per call, which is a bit more expensive than OneGuard. This pricing changes based on your monthly subscription cost. 
  • State coverage. American Home Shield covers 49 states, only excluding Alaska.
  • BBB Rating. American Home Shield has a Better Business Bureau rating of B. 
  • Waiting period. There is a 30-day waiting period before you can make service requests and use the plan.

First American

  • Monthly subscription fees. Fees range from $38 to $48.50 per month for either the Basic or Premier plans, which is on par with OneGuard’s offerings.
  • Service fees. Fees are a flat $85 per call, which is just a bit higher than OneGuard.
  • State coverage. First American serves customers in 35 states, excluding: Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont, and Wisconsin.
  • BBB Rating. First American has a Better Business Bureau rating of B.
  • Waiting period. There is a 30 -day waiting period.

Pros and Cons of OneGuard Home Warranty

Like any other home warranty company, there are pros and cons to choosing a OneGuard warranty plan.

house homeowners

High claim approval

One benefit of opting for OneGuard is that the company is known for its high approval rate for claims. The company has been said to approve 95% of claims, which is a big advantage for customers paying for subscriptions and service fees.


OneGuard also offers a 30-day guarantee on its work. That means that if you have a problem with any repair done under your plan, you can file a complaint within 30 days and they will send a contractor back to the property for free.

Sample Contracts

OneGuard offers free, downloadable versions of its sample contracts right on its website. That means you can read the fine print before looking into the plan further and before signing anything. There should be fewer surprises with this level of transparency.

Limited states covered 

While the competition offers coverage to most states, OneGuard only covers three states: Nevada, Arizona and Texas. Unless you live in one of those three states, you’ll likely have better luck comparing plans with warranty services that cater to clients nationwide.

Some negative reviews 

OneGuard has received some negative comments from customers on the BBB website. Some customers complained that the service provider denied claims which should have been covered. Others say customer service was difficult to work with and that technicians failed to make sufficient repairs to their appliances and home systems.

Fees to cancel 

OneGuard charges a $50 fee to customers looking to cancel their contracts. Customers must submit their cancellation requests in writing, but they can expect a pro-rata refund for an unexpired term.

Submitting a Claim

After purchasing a home warranty plan with OneGuard, you can begin filing claims following the 30-day waiting period. You will receive a response for each claim within 48 hours. From there, your service fee will range from $75 to $125 depending on the service. These fees are not covered in your monthly subscription costs.

Once paid, a contractor will visit your home to investigate the issue and offer a quote. OneGuard will review the quote and respond with your included coverage amount. You can agree to the services and a contractor will service your system or appliance. If you have a problem with the way in which a problem is fixed, you can file a complaint within 30 days and they will send a contractor back to the property for free.

OneGuard Warranty Final Review

When deciding on a home warranty company, it is best to compare various plans, costs, and benefits. It is also always important to look at what customers and business authorities are saying about the company.

Customer reviews for OneGuard on the BBB’s site are good, but of course there are some complaints. Their current customer rating is 3.74 out of 5 as of this article’s publication. About 299 customer complaints were filed in the past three years from 2019-2022 and more than 100 have been resolved in the last 12 months. Plenty of customers spoke highly of OneGuard’s timeliness and quality of service, landing them an A- rating overall.

As you decide which home warranty to go with, be sure to ask questions about what is covered, what it costs and perhaps more importantly, what is not covered.