Some providers featured on this site may compensate us. This may affect the order and placement of listings but does not influence our editorial ratings or reviews.
Top Home Warranty.com
Provider Guides6 min read

American Home Shield Plans Explained: ShieldSilver vs ShieldGold vs ShieldPlatinum

What each American Home Shield plan covers, reported prices, coverage caps, add-ons and which tier fits your home.

Updated October 12, 2026

Key takeaways

  • ShieldSilver covers 14 home systems; ShieldGold adds 9 appliances; ShieldPlatinum adds roof leak, an HVAC tune-up and permits/code coverage.
  • Reported prices are roughly $30-$40, $50-$60 and $80-$90 a month.
  • Appliance caps are $2,000 each on Gold and $4,000 each on Platinum; HVAC is capped at $5,000.
  • You choose a $100 or $125 service fee.

ShieldSilver

Covers home systems only - heating, cooling, plumbing, electrical, water heater and more (14 systems). Reported at roughly $30-$40 a month. Best for homes with newer appliances.

ShieldGold

Everything in ShieldSilver plus 9 kitchen and laundry appliances, with a $2,000 cap per appliance. Reported at roughly $50-$60 a month. The most balanced tier for most homes.

Top-Rated Providers

1
Our Top Pick
Choice Home Warranty logo
9.6
Exceptional

Two simple plans covering home systems and appliances, with a $3,000 per-item cap and coverage in 49 states

  • Basic & Total plans
  • $3,000 per covered item
  • Online claims, 24/7
  • Available in 49 states

Free Online Quote

Visit Site
2
American Home Shield logo
9.4
Excellent

The industry's oldest home warranty company - three plan tiers, a choice of service fee and some of the highest coverage caps

  • ShieldSilver, Gold & Platinum
  • Up to $5,000 HVAC coverage
  • Choose a $100 or $125 fee
  • In business since 1971
Visit Site
3
Select Home Warranty logo
9.1
Excellent

One of the lowest-cost plans available, with frequent free-month and free roof coverage promotions

  • Bronze, Gold & Platinum Care
  • Low starting price
  • Free roof leak coverage promo
  • Multi-year plan options
Visit Site

ShieldPlatinum

Everything in ShieldGold plus roof leak repair (up to $1,000), an HVAC tune-up, and permits and code-violation coverage, with appliance caps of $4,000 each. Reported at roughly $80-$90 a month. Best for older homes where code upgrades could come up.

Add-ons and service fees

Optional add-ons include pool/spa, well pump, septic pump, guest unit and electronics, reported at roughly $5-$18 a month each. You choose a $100 or $125 service fee per request. See the full American Home Shield review or compare AHS vs Choice.

This article is general information, not legal, insurance or financial advice. Coverage, prices and terms vary by company, plan and state - always read the full sample contract before you buy.

Ready to compare home warranty companies?

See how top companies stack up on coverage, pricing, and claims service.

Sources & references

Regulatory and ownership facts on this page come from public records. Pricing, plan and contract details come from each provider's published information. This content is for information only and is not legal, insurance or financial advice - always read the full contract before buying a plan.

  1. 1.Attorney General Mayes Announces $11.8 Million Settlement with Choice Home Warranty - Arizona Attorney General - February 2026
  2. 2.Frontdoor, Inc. Completes Acquisition of 2-10 Home Buyers Warranty - Frontdoor, Inc. via Business Wire - December 2024
  3. 3.Frontdoor, Inc. Quarterly Report (Form 10-Q), Q2 2026 - U.S. Securities and Exchange Commission (EDGAR)
  4. 4.American Home Shield plans - American Home Shield
  5. 5.Choice Home Warranty user agreement - Choice Home Warranty
  6. 6.Select Home Warranty terms and conditions - Select Home Warranty
  7. 7.The Home Service Club pricing and plans - The Home Service Club