Established in 2018, Achosa Home Warranty, LLC is a home warranty company that offers homeowners protection for their household’s appliances and major systems, like heating, cooling and plumbing. With rates that depend on the size and type of home, homeowners can purchase service contracts for things like central air and heating, kitchen appliances and electrical systems, as well as add on additional coverage for secondary refrigerators and freezers, pools, spas and septic systems.
Achosa means “the power to choose,” and you can indeed choose your own contractors to service your home’s systems and appliances. Here’s what else you need to know about Achosa Home Warranty.
Pros
- You can choose your own contractors
- You can purchase coverage for unknown pre-existing conditions
- There’s no age restriction on your home’s systems and appliances.
Cons
- It’s not yet available in every state
- It’s not yet BBB accredited
- You can only call in claims at this time
Achosa Home Warranty at a Glance
Currently, Achosa operates in 27 states, providing three primary plan options that cover a mix of essential systems and appliances. Its coverage includes typical home essentials like heating, cooling, plumbing and electrical systems, with additional coverage available for specific items such as pools, spas, septic systems and even saltwater pools. Unlike many companies, Achosa doesn’t impose age limits on covered items and offers optional protection for unknown pre-existing conditions.
The company’s pricing is competitive, with monthly plans available for various property types, including single-family homes and multi-unit properties. Standard service fees are $100 or $150, depending on the type of contract, with the lesser fee reserved for homeowners. Although Achosa’s state availability is limited, its focus on customer choice and flexible service options has made it a noteworthy option in the regions it serves.
Key Takeaways
- Achosa Home Warranty lets policyholders choose their own licensed contractors for repairs, providing flexibility and control over service providers.
- With a straightforward range of plans, Achosa keeps coverage options simple, appealing to those who prefer clear, easy-to-navigate options without excess.
- Achosa currently operates in only 27 states and requires all claims to be initiated by phone, which could impact accessibility and convenience for some users.
Available Plans
Below are the plans that Achosa Home Warranty offers, along with the household appliances and systems covered:
| ITEM COVERED | BUYERS ADVANTAGE | BUYERS ADVANTAGE PLUS | BUYERS ADVANTAGE PRO | SELLERS ADVANTAGE |
|---|---|---|---|---|
| Attic & Exhaust Fans | Yes | Yes | Yes | Yes |
| Central AC | Yes | Yes | Yes | Yes |
| Central Heat | Yes | Yes | Yes | No |
| Central Air/Heat Plus | No | Yes | Yes | No |
| Central Air/Heat Pro | No | No | Yes | No |
| Code Violations | Yes | Yes | Yes | Yes |
| Dishwasher | Yes | Yes | Yes | Yes |
| Electrical System | Yes | Yes | Yes | Yes |
| Garage Door Opener | Yes | Yes | Yes | Yes |
| Garbage Disposal | Yes | Yes | Yes | Yes |
| Kitchen Refrigerator | Yes | Yes | Yes | Yes |
| Microwave | Yes | Yes | Yes | Yes |
| Oven/Range/Cooktop | Yes | Yes | Yes | Yes |
| Plumbing & Drains | Yes | Yes | Yes | Yes |
| Roof Leaks | Yes | Yes | Yes | Yes |
| Sump Pump | Yes | Yes | Yes | Yes |
| Water Heater | Yes | Yes | Yes | Yes |
| Water Heater Plus | No | Yes | Yes | No |
| Water Heater Pro | No | No | Yes | No |
| Washer & Dryer | Yes | Yes | Yes | Yes |
Other Benefits
Besides the main plans, Achosa Home Warranty offers add-on coverages for an additional monthly cost per item. Note these add-on prices are only for buyers, not sellers.
- Additional refrigerator: $50
- Stand-alone freezer: $40
- Stand-alone ice maker: $80
- Jetted bathtub: $80
- Mini split system: $80
- Pool & spa (with shared equipment): $180
- Saltwater pool & spa (with shared equipment): $270
- Additional pool or spa: $180
- Septic system: $80
- Well water pump: $80
- Water softener: $50
- Non-owner occupied: $180
- Conserve: $25
- Conserve Plus: $50
Featured Partners
1
Select Home Warranty
Plans Available
3
Response Time
Great
Number of States
46 + District of Columbia
2
Choice Home Warranty
Plans Available
2
Response Time
Excellent
Number of States
49 + District of Columbia
3
American Home Shield
Plans Available
3
Response Time
Excellent
Number of States
48 + District of Columbia
Achosa Home Warranty State Availability
Established in 2018, Achosa is a young company that’s still growing and as such, isn’t available yet in all 50 states.
Here is a list of the 27 states where it is currently possible to purchase an Achosa home warranty:
- Alabama
- Arizona
- Arkansas
- Colorado
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maryland
- Michigan
- Mississippi
- Missouri
- Montana
- Nevada
- North Carolina
- Ohio
- Oklahoma
- Pennsylvania
- South Carolina
- Tennessee
- Texas
- Virginia
- West Virginia
Fine Print
As with all contracts, and especially with your home warranty, you’ll want to read through the fine print to make sure that you are actually purchasing adequate coverage for your home’s needs. Do not make assumptions that any particular appliance or system is covered under your home warranty.
It can be frustrating, not to mention extremely expensive, to think your appliance or home system is covered, only to find out that it’s not. While it’s important for homeowners to save money, choosing a lower-cost home warranty may end up costing you more money in the long run.
It’s also important to note payment schedules and auto-renewal dates. Especially if you have all or most of your household bills on autopay, including your home warranty, you might not realize when it’s time to renew your policy. If it’s not on auto-renew, you could run the risk of making a claim, only to realize your warranty has expired.
On the other hand, you do not want to continue paying for your current warranty if you have signed on with a new company. Be sure to read the fine print so you know how to cancel or decline renewal for your current home warranty so that you aren’t charged any additional fees.
Plan Pricing
Here is the price breakdown for each of the Achosa Home Warranty programs, according to the type of home you own:
| TYPE OF HOME | COST PER MONTH |
|---|---|
| Single-Family Home | Buyers Advantage: $44.92
Buyers Advantage Plus: $60.42
Buyers Advantage Pro: $72.92
Homeowner’s Advantage: $57.99
Homeowner’s Advantage Plus: $72.99 |
| Townhome/Condo | Buyers Advantage: $43.75
Buyers Advantage Plus: $56.25
Buyers Advantage Pro: $68.75
Homeowner’s Advantage: $52.99
Homeowner’s Advantage Plus: $67.99 |
| Duplex | Buyers Advantage: $91.67
Buyers Advantage Plus: $114.58
Buyers Advantage Pro: $137.50
Homeowner’s Advantage: $110.99
Homeowner’s Advantage Plus: $137.99 |
| Triplex | Buyers Advantage: $137.50
Buyers Advantage Plus: $166.67
Buyers Advantage Pro: $195.83
Homeowner’s Advantage: $165.99
Homeowner’s Advantage Plus: $200.99 |
| Fourplex | Buyers Advantage: $183.33
Buyers Advantage Plus: $208.33
Buyers Advantage Pro: $233.33
Homeowner’s Advantage: $220.99
Homeowner’s Advantage Plus: $250.99 |
In addition, Achosa offers optional add-ons that range between $50 and $270 depending on the particular items you’re adding to the plan.
Remember that cost of coverage depends on many variables, such as:
- Size/type of home, such as single-family home, duplex, or new build
- The type (and number) of appliances installed.
- The complexity of your home’s systems, including HVAC and plumbing.
- Any optional additional coverage for appliances and systems not covered under basic warranty
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Payout Limitations
It says rather clearly on the Achosa website that its home protection plans do not cover everything, and there are indeed limitations to the available coverages.
In general, when you make a claim under an existing Achosa home warranty, you are expected to pay a trade call fee (deductible) or the actual total cost due to your contractor, whichever is less. However, if your contractor does additional work, be it a repair or a replacement, on items that are not covered by your Achosa home warranty, you must pay them out of pocket.
For full terms and conditions of an Achosa home warranty, visit achosahw.com/terms.
Securing a Home Warranty Plan: We Put Achosa Home Warranty To The Test
Signing up for an Achosa Home Warranty is a straightforward process that caters to efficiency without overwhelming it with too much detail. While some might find Achosa’s homepage simple, others may appreciate the clean, uncluttered layout that keeps the experience direct and to the point.
To get started, navigate to the “Homeowners” tab at the top of the homepage and click “Order Now.” You’ll be taken to a selection page, where you first choose your state (we selected Nevada) and then pick from Achosa’s range of plans. For our test, we opted for the Homeowner’s Prime Plan.
Next, select your dwelling type — whether it’s a single-family home, duplex or even a four-plex — with transparent pricing displayed beside each option.
Adding the plan to the cart is quick, and once you’ve entered your personal information, your coverage is secured.
The process is refreshingly smooth and ideal for homeowners who appreciate a streamlined path to signing up without any hidden steps or convoluted details.
What We Like About Achosa Home Warranty
Achosa Home Warranty stands out for its customer-centered approach, particularly with its unique “power to choose” policy. This flexibility lets customers select their own contractors for service calls, which can lead to more personalized, trustworthy repair experiences. This option is ideal for homeowners who prefer working with local providers they know and trust rather than a company’s predetermined network.
Another highlight is Achosa’s openness to covering unknown pre-existing conditions, which is often not included with many home warranty providers. Additionally, Achosa does not impose age restrictions on systems and appliances, which adds value for homeowners with older homes or aging equipment. Its straightforward pricing and range of add-ons make customizing coverage easy, especially for unique or specialized needs.
What We Didn’t Like About Achosa Home Warranty
While Achosa’s approach offers flexibility, it also introduces some limitations. Currently, Achosa only operates in 27 states, meaning it’s not yet an option for homeowners across the entire U.S. Additionally, Achosa has yet to implement an online claims system, so policyholders must call in claims directly, which may be inconvenient for those who prefer digital access.
Achosa’s limited availability of weekend customer support could be a drawback for those who experience issues outside regular business hours, especially compared to competitors with 24/7 support lines. Finally, while choosing one’s own contractor is a benefit, the repair guarantee may not always extend as it would with a preferred contractor, making reliability and costs more variable.
Achosa Claim Response Times
Achosa Home Warranty offers a unique approach to handling claims by allowing customers to choose their own licensed contractor, which many homeowners may appreciate for added control over the process. To initiate a claim, you’ll need to contact Achosa’s customer service team at (888) 509-2916, where they’ll assist you in getting started. If needed, Achosa can also recommend licensed contractors in your area, though you are free to select your own as long as they meet Achosa’s standards for licensing and insurance.
Once the contractor has been chosen, they’ll assess the repair. If no covered defects are found or if the issue isn’t eligible for coverage, the homeowner is responsible for the full cost of the service call. This system adds a bit more flexibility but does require that customers take an active role in the process, which can be a benefit for those who prefer a hands-on approach to managing home repairs.
Customer Support & Reviews
Achosa Home Warranty’s customer support garners a mix of experiences, with some users praising efficient claims handling and contractor flexibility, while others report frustration over communication issues and complex claim requirements. Here’s a breakdown of customer insights from Achosa’s Better Business Bureau profile.
BBB (Better Business Bureau)
Achosa Home Warranty currently holds a BBB rating of A, though it is not BBB accredited, with an average review score of 1.37 out of 5 stars across 38 customer reviews as of publication. Despite this low average, several customers have had positive interactions with the company. One user appreciated Achosa’s quick claim approvals and payment process, noting that they were able to use their preferred contractors without issue and received prompt reimbursements. Another user reported satisfaction after a fast approval for a gas repair, commenting that Achosa responded within hours, processed their reimbursement quickly and provided continued support over multiple years.
However, negative reviews highlight recurring issues. A few customers reported delays in reimbursement and confusion over Achosa’s claim requirements, particularly regarding the need for pre-approval on diagnostics. Others shared frustration over claim rejections for items they believed would be covered.
While Achosa’s support model provides flexibility with contractor selection, the reviews suggest that clearer communication and more streamlined claim processes could improve the experience for many policyholders.
How Achosa Home Warranty Stacks Up
Achosa Home Warranty vs. AFC Home Warranty
Achosa Home Warranty and AFC Home Warranty both cater to homeowners looking for flexible home warranty coverage. A standout feature of Achosa is its approach to customer-selected contractors, allowing policyholders to choose any licensed technician, which appeals to those seeking greater control. AFC also offers contractor choice but adds value through a lifetime work guarantee for ongoing coverage.
While AFC is available in 47 states, Achosa’s reach is currently limited to 27, which could impact customer availability. AFC’s four-tiered plan structure provides more diverse pricing options, with monthly costs ranging from $36.83 to $152.20, whereas Achosa’s plans are streamlined but may not cater to as wide a range of budgets and needs.
Learn more: AFC Home Warranty review
Achosa Home Warranty vs. ServicePlus Home Warranty
Comparing Achosa Home Warranty to ServicePlus reveals distinct differences in service approach and structure. ServicePlus operates in 46 states and offers 24/7 claims service, which can be more accessible than Achosa’s limited customer service hours. Achosa allows clients to use their preferred contractors, whereas ServicePlus generally assigns technicians from its network. ServicePlus also provides two robust plan options, Gold and Platinum, with coverage tailored for essential systems and appliances, while Achosa’s coverage remains relatively straightforward. However, Achosa appeals to those valuing contractor flexibility and less restrictive policies, whereas ServicePlus could better suit those who prefer predefined, accessible service models and extended availability.
Learn more: ServicePlus Home Warranty review
Is Achosa the Right Home Warranty Company for You?
Achosa Home Warranty is not yet available in all 50 states. If it is indeed available in yours, you’ll want to consider a number of factors before determining whether it’s the right move for you and your home.
Featured Partners
1
Select Home Warranty
Plans Available
3
Response Time
Great
Number of States
46 + District of Columbia
2
Choice Home Warranty
Plans Available
2
Response Time
Excellent
Number of States
49 + District of Columbia
3
American Home Shield
Plans Available
3
Response Time
Excellent
Number of States
48 + District of Columbia
Methodology
To determine the home warranty companies ranking, the Forbes Home editorial team analyzed 54 companies, with each company’s star rating determined by evaluating a variety of metrics and subcategories, including years of experience, signup and restrictions, plan pricing, fees and discounts, coverage features, property coverage, customer reviews and support and nationwide availability.
You can find out more about how Forbes Home rates home warranty companies on our detailed methodology page.
All figures and facts were accurate at the time of first publication.
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Frequently Asked Questions (FAQs)
How does an Achosa Home Warranty work?
There are five steps to making a claim under your Achosa Home Warranty:
- Call 888-509-2916 to speak to a service representative to confirm that your household appliance or home system is indeed covered. If it is, you’ll be given a service request number as well as recommendations for contractors, though Achosa does permit you to choose your own.
- Schedule an appointment with your local contractor to have the issue diagnosed.
- Call Achosa back after the contractor has diagnosed the issue and before the repair takes place. Achosa will discuss the diagnosis with both you and the contractor in order to determine the coverage cost that will be approved.
- The contractor does the repair work.
- If you are satisfied with the repair, call Achosa, who pays the contractor their portion of the fee. You will pay the trade call fee (deductible) to the contractor OR the actual cost of the repair (whichever is the lesser cost) for the covered item.
How long does an Achosa contract last?
Home buyers and homeowners (those who have lived in the home for 30 days or more) can purchase contracts for 12, 18, 24, or 36 months. Prices vary depending on the chosen term; the prices listed here were based on a 12-month contract at the time of publication.
Real estate sellers can take advantage of a free six-month Achosa home warranty contract, paying only a trade call fee of $150 if a claim is made.
How many years is a home warranty good for?
A home warranty is typically a one-year contract that you can renew each year, though some warranty companies do offer opportunities to sign on for shorter or longer periods of time.
What should I look for when buying a home warranty?
As with all warranties, you’ll want to make sure you’re purchasing adequate coverage for your home’s systems and appliances. Many home warranty companies offer a basic warranty that covers things like kitchen appliances and HVAC systems, but if you’ve got a larger home or additional appliances, you’ll want to inquire about more extensive warranties or add-ons.
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