Shopping AHS or comparing home warranties? Here’s how RMO MyHome stacks up against American Home Shield on price, service-call fees, and what’s actually covered.
Both providers offer tiered plans. Numbers shown reflect each provider’s entry-level systems plan.
American Home Shield offers ShieldSilver, ShieldGold, and ShieldPlatinum plans roughly $30–$80/month with a Trade Service Call Fee of $100, $125, or $150 per visit. Pricing referenced from publicly available AHS rate cards as of 2026.
Coverage details, eligibility, and how each plan handles claims and service calls.
| Feature | RMO Home Protection | American Home Shield |
|---|---|---|
| Pricing Model | Monthly subscription | Monthly or annual |
| Plan Tiers | MyHome I–IV | ShieldSilver, ShieldGold, ShieldPlatinum |
| Starting Price | $19/mo (MyHome I) | ~$30/mo (ShieldSilver) |
| Top-Tier Price | $49/mo (MyHome IV) | ~$80/mo (ShieldPlatinum) |
| Service Call Fee | Deductible per claim, decreases with tier; disappearing deductible at MyHome IV | Fixed $100, $125, or $150 per visit |
| Major Systems Coverage | Yes (HVAC, plumbing, electrical) from MyHome I | Yes (ShieldSilver and up) |
| Major Appliances Coverage | Yes from MyHome III | Yes (ShieldGold and up) |
| Roof Leak / Pool Equipment | Limited — check current plan documents | Available with ShieldPlatinum or add-ons |
| 30-Day Wait Period | Varies by plan; review terms | Standard 30-day waiting period for new contracts |
| Service Network | Vetted local contractors | Network of 14,000+ pre-screened contractors |
| Member Pricing on Other Products | Yes — banking, insurance, electronics protection, more | Not applicable |
| Membership Required | Yes — RMO membership | No membership needed |
Coverage details summarized for comparison. Specific covered systems, appliances, limits, exclusions, and waiting periods are described in each plan’s contract.
Deductibles per claim decrease as you move up tiers, with MyHome IV featuring a Disappearing Deductible.
Requires MyMembership I
Requires MyMembership I
Requires MyMembership II
Requires MyMembership III
Prices reflect current monthly rates and do not include the cost of RMO membership. Plan availability and features subject to change.
Both plans cover real ground. Here’s where each tends to win.
Join RMO to unlock MyHome plus dozens of other member benefits.
Choose the tier that matches your home and the systems / appliances you want covered.
Once your MyHome coverage is active, contact AHS directly to cancel. They typically prorate any refund based on time remaining and claims used.
Both cover home systems and appliances against breakdown. RMO MyHome plans range from $19 to $49 per month and are bundled with RMO membership benefits. American Home Shield plans typically range from $30 to $80 per month and are sold standalone, with a per-visit Trade Service Call Fee of $100 to $150.
MyHome plans include a deductible per claim that decreases as you move up tiers. MyHome IV features a Disappearing Deductible that reduces over time as you stay covered. American Home Shield plans charge a fixed Trade Service Call Fee of $100, $125, or $150 per visit, depending on the plan you choose.
Yes. MyHome is available exclusively to RMO members. MyMembership I covers MyHome I and II, MyMembership II is required for MyHome III, and MyMembership III is required for MyHome IV.
MyHome I and II focus on essential and expanded home systems (HVAC, plumbing, electrical). MyHome III and IV add comprehensive appliance coverage. Specific covered items, limits, and exclusions are described in your plan documents. AHS’s coverage tiers (ShieldSilver, ShieldGold, ShieldPlatinum) split coverage similarly between systems and appliances.
Most home protection plans, including AHS, have a 30-day waiting period for new contracts to prevent claims for known pre-existing problems. Review the MyHome plan documents for details on RMO’s waiting period and any pre-existing condition exclusions.
Yes. AHS contracts can typically be canceled at any time, with refunds prorated based on time remaining and any claims filed. Contact American Home Shield directly to cancel and request the refund. We recommend activating MyHome before canceling AHS so you’re never uncovered.
Join RMO and get home systems and appliance protection starting at $19/mo — bundled with everything else your RMO membership unlocks.
