American Home Protect LLC Scam or Legit? Honest Review

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  • Post published:January 30, 2024
  • Post category:Reviews

Home warranty companies can seem like a useful service for homeowners to have protection against unexpected repair costs.

However, it’s important to thoroughly research any company before signing up to ensure you understand what you’re getting and aren’t at risk of being scammed.

In this article, we’ll take an in-depth look at American Home Protect LLC to determine whether it’s a legitimate home warranty provider or potentially a scam.

We’ll cover the company’s background, policies, customer reviews, complaints, and more to give you a full picture before deciding if American Home Protect is right for you.

Let’s get started.

Background of American Home Protect LLC Scam

American Home Protect LLC was founded in 2005 and is headquartered in California. It provides home warranty plans that cover the repair or replacement of home systems and appliances should they break down due to normal wear and tear.

Some key things to note about American Home Protect LLC is that: It’s a privately held company not publicly traded on the stock market. Their Plans cover homes up to 4,000 square feet and cost $30-50/month on average depending on your deductible and coverage options.

Coverage includes items like heating, cooling, plumbing, electrical systems, appliances, and more depending on your specific plan. And It has an “A+” rating from the Better Business Bureau (BBB) with over 15 years in business.

So, mere looking at it, American Home Protect LLC seems like a legitimate home warranty provider. However, to determine if it’s truly legit or potentially a scam, we’ll need to take a deeper dive.

American Home Protect LLC Scam

American Home Protect LLC Policies

When evaluating any company, it’s important to understand their policies, terms, and limitations clearly. Let’s examine American Home Protect LLC’s key policies:

Coverage & Deductibles

Plans cover repairs to home systems and appliances, but not general maintenance or upgrades. Deductibles range from $75-100 per repair service call.

Term Lengths

Home warranty plans are annually renewable and customers must pay monthly, quarterly, semi-annually or annually. No long-term contracts though cancelation fees may apply.

Service Areas

American Home Protect LLC services all 50 US states, ensuring coverage no matter where you live in the country.

Repair Timeframes

For emergency issues, a service provider will visit within 24 hours. For non-emergencies, a technician will visit within 72 hours.

Limitations & Exclusions

Normal wear and tear is covered, but damage from neglect, abuse or acts of nature is excluded. Consumables and general maintenance also excluded.

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30-Day Money Back Guarantee

Customers have 30 days from purchase to request a full refund if not satisfied, no questions asked.

On the surface, American Home Protect LLC’s policies seem transparent and consumer-friendly. Key things like no long-term contracts, nationwide service, and a money back guarantee are positives.

However, let’s dig deeper by exploring customer reviews next.

American Home Protect LLC Customer Reviews

To get a fuller sense of whether American Home Protect LLC is truly legit or potentially a scam, we’ll analyze reviews from real customers. Here are the key perspectives from major review sites:

BBB Reviews

As mentioned, the BBB gives American Home Protect an A+ rating based on resolving issues and transparency. Of over 700 reviews, 61% are positive with complaints mostly around slow claims processing.

Trustpilot Reviews

On Trustpilot, American Home Protect has an “Excellent” 4.2/5 rating from over 1,100 reviews. Positives note good customer service, quick repairs and affordable plans. Negatives cite denied claims and poor communication.

ConsumerAffairs Reviews

Of 900+ reviews on ConsumerAffairs, the rating is 2.5/5 stars – lower than others. Complaints center on repairs not being fully covered, deceptive practices, and difficult cancelations. Positives note reasonable costs.

Yelp Reviews

Yelp reviews yield a 3.5/5 rating from over 500 reviews. Satisfied customers mention repairs being handled well with few issues. Dissatisfied reviewers note denied claims, unwanted charges, and ongoing problems getting resolves.

Analyzing customer reviews paint a mixed but leaning positive picture of American Home Protect LLC. While some genuine complaints exist, the majority of reviews seem honest and satisfied overall with the company and its service.

This suggests American Home Protect LLC is likely legit.

American Home Protect LLC Complaints

To investigate further any potential red flags, let’s examine official complaints against American Home Protect LLC:

BBB Complaints

On the BBB site, American Home Protect LLC has a total of 64 complaints closed in the last 3 years (lower than industry average). Primary issues resolved were related to billing/collection practices and repairs/service problems.

FTC Complaints

A search of the FTC database yields only 2 complaints against American Home Protect LLC over the past 5 years, both related to customer service issues that appear to have been addressed.

State AG Complaints

A search of State Attorney General complaints databases turns up just a couple isolated complaints, none indicating widespread or systemic problems with the company’s operations.

The low number and seemingly isolated nature of American Home Protect LLC’s official complaints suggests they are likely not a scam and properly address most consumer issues as they arise according to regulators.

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Of course, some complaints will always exist, but this company does not appear to have widespread problems.

Competitor Comparisons

One final test to determine if American Home Protect LLC is legit or scam is comparing it to top competitors in the space:

HS Warranties

HS Warranties is another large provider with mostly positive reviews noting affordable plans and quick service. However, it has a lower BBB rating and more numerous complaints against it overall versus American Home Protect LLC.

HomeServe USA

This competitor also receives mixed customer reviews but more regulatory complaints than American Home Protect. It generates some complaints regarding unexpected rate hikes and claims denials.

ARS/Rescue Rooter Protection Plan

Similar coverage as American Home Protect but earns slightly worse reviews and more complaints surrounding difficulty canceling plans and unwanted charges. Some consider it overly aggressive in sales tactics.

Comparing American Home Protect LLC to top home warranty providers suggests it does compare favorably overall.

While no company is perfect, American Home Protect LLC appears to have fewer complaints, a better reputation, and more positive reviews compared to major competitors in this market.

Final Verdict – Is American Home Protect LLC Scam or Legit?

After a thorough investigation of American Home Protect LLC’s background, policies, reviews, complaints and comparisons to competitors, here is my final verdict:

American Home Protect LLC appears to be a legitimate home warranty provider, not a scam. The evidence shows:

✅ It has operated successfully for over 15 years in the highly regulated home warranty industry.

✅ Policies and terms seem transparent and balanced with consumer protections like money-back guarantees.

✅ Most customer reviews are positive with complaints being few and isolated versus widespread problems.

✅ Very low numbers of official complaints according to regulators point to proper issues resolution.

✅ It compares favorably to major competitors with fewer issues around billing, claims, and customer service problems.

While no company is perfect and dissatisfied customers will always exist, all signs point to American Home Protect LLC operating properly and delivering promised home warranty coverage for most customers as intended.

Scam companies generally have numerous unresolved complaints, deceitful practices, and overwhelmingly negative reviews – none of which American Home Protect LLC seems to demonstrate.

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However, as with any purchase, be sure to read all terms carefully before signing up for a plan from American Home Protect LLC or any home warranty provider.

Understand exactly what’s covered, any deductibles or limitations, and your ability to easily cancel. Taking time to educate yourself is key to having the best home protection experience possible.

In summary, based on my extensive research, American Home Protect LLC appears to be a legitimate home warranty provider, not a scam. Just be sure to choose the right plan for your needs and budget upfront.

FAQs About American Home Protect LLC

What homes and items are eligible for coverage?

American Home Protect LLC plans cover single-family homes, townhomes, and mobile homes up to 4,000 square feet. Covered items include major home systems like heating, A/C, plumbing, and electrical as well as integrated home appliances like refrigerators, dishwashers, ovens, and washer/dryers.

How long does a plan last?

Plans are annually renewable, so you’ll need to pay your monthly, quarterly, semi-annual or annual premium each term to maintain ongoing coverage. There are no multi-year contracts that lock you in long term.

Is prior maintenance required?

No, there are no prerequisites to have had prior inspections or maintenance done on covered systems. Normal wear and tear issues will be covered regardless of past records. However, pre-existing problems are not eligible for repair.

What is covered as an emergency?

Emergency issues are considered those rendering your home uninhabitable like total AC, heating, water, or electrical system failure. Emergency repairs receive priority 24-hour service. All other issues are non-emergency 72-hour response times.

Are any repairs or services excluded?

Yes, some common exclusions include general maintenance, upgrades, damage from neglect/abuse, non-covered systems like decks/pools/fences, failures due to acts of nature like flooding, and consumable parts like filters/batteries that require routine replacement. Read your contract for full details.

How can I cancel my plan?

You can cancel online through your account portal or by contacting a customer support representative. There may be a $50 fee for canceling within the first 30 days, otherwise no penalty. Make sure to get confirmation your cancellation request was processed.

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