AEvidence-led provider article
OneGuard Home Warranties: evidence, responsibilities and open questions
OneGuard Home Warranties is assessed from dated identity, permission and outcome evidence. This article separates verified facts from findings that the current record cannot support.
What the record establishes
The record links the public name OneGuard Home Warranties to ONEGUARD TEXAS LLC. OneGuard Home Warranties is catalogued for Home warranties and the current record places its market scope in United States.
ServeAssess accepted 11 claim level facts and linked 3 sources as of 2026-07-23. Verification strength is 87/100, while research completeness is 40/100 against the fields expected for this category and role.
Responsibility and permission
ONEGUARD TEXAS LLC is recorded as contracting entity, ONEGUARD TEXAS LLC is recorded as legal entity, and OneGuard Home Warranties is recorded as marketing brand. The role map controls which party receives a licence, financial metric or complaint finding.
1 product and jurisdiction permission record is active or exempt in the current map. No restricted, suspended, withdrawn or unverified permission appears in that map.
What the outcome evidence can support
The current assessment can score 2 of six substantive outcome dimensions. RegulatoryStanding is 80/100 within the eligible peer group. Current permissions and restrictions are assessed separately from enforcement history. Registration confirms status, not service quality. TransparencyAndGovernance is 43/100 within the eligible peer group. Measures material disclosure and governance evidence. Advertising and social presence are excluded.
No directional metric has met the requirements for the comparable metrics ledger. Raw counts remain visible in the evidence record when available, without becoming a quality score.
Price, access and intended customers
Pricing disclosure is recorded as quote based. Recorded customer types include consumer. Access is documented through online and telephone.
For home warranties, the decision is whether the service contract covers the likely repair, who owes performance and which limits can reduce the value of an approved claim. The current record should be used with the written offer or contract rather than as a substitute for it.
Limits that affect the decision
The following limits are part of the assessment and should remain visible beside any favourable finding.
- CustomerOutcomes lacks enough comparable evidence for a score.
- FinancialResilience lacks enough comparable evidence for a score.
- OperationalReliability lacks enough comparable evidence for a score.
- PriceAndContractQuality lacks enough comparable evidence for a score.
- Verification strength describes the research record. It is not a provider quality rating.
- Research completeness measures category relevant coverage. It does not reward a broad product catalogue.
- Customer outcomes remain unscored until a valid exposure denominator and comparable handling data are available.
- Financial resilience remains unscored until at least two comparable directional measures are available.
A focused verification path
A residential service contract is generally separate from homeowners insurance, a builder warranty and a manufacturer's product warranty. A state may supervise service contract providers through an insurance department or another agency without treating the contract as homeowners insurance.
- Open the contract for the customer's state.
- Match the obligor and administrator to state registration records.
- Check the service fee, waiting period and item limits.
- Save the legal name, source URL and observation date used for the decision.
Article version 2026-07-full-site-v1 · 510 words · candidate A selected after automated editorial checks.
01Offering map
Services and access
United States scopeUnited States
Customer typesconsumer
Accessonline, telephone
Pricing disclosurequote based
02Structured assessment
Scores, factors and research limits
Verification strength87/100Identity, permissions, source quality and claim-level freshness.
Research completeness40/100Coverage against the fields relevant to this category and role.
Freshness100/100Average freshness of the accepted claims, not merely the page date.
Quality evidence: partial outcome data2 of 6 substantive dimensions currently scoreable. ServeAssess does not combine them into one universal quality score.
Regulatory standing3 supporting fields
80/100Current permissions and restrictions are assessed separately from enforcement history. Registration confirms status, not service quality.
Financial resilience or backing0 supporting fields · peer group home-warranties|contracting_entity|size-unknown|US
Insufficient dataDirectionally comparable resilience measures within the provider's role, category, size and jurisdiction peer group. Comparable peer data is required for at least 2 measures; 0 eligible measures are present.
Price and contract quality0 supporting fields · peer group home-warranties|contracting_entity|size-unknown|US
Insufficient dataComparable price and contract measures. Published terms alone do not establish good value. Comparable peer data is required for at least 2 measures; 0 eligible measures are present.
Customer outcomes0 supporting fields · peer group home-warranties|contracting_entity|size-unknown|US
Insufficient dataComplaint volume is normalized by an exposure denominator and combined with handling measures. Complaints remain allegations, not findings. Comparable peer data is required for at least 2 measures; 0 eligible measures are present.
Operational reliability0 supporting fields · peer group home-warranties|contracting_entity|size-unknown|US
Insufficient dataComparable delivery, uptime, incident or processing measures within the same peer group. Comparable peer data is required for at least 2 measures; 0 eligible measures are present.
Transparency and governance3 supporting fields
43/100Measures material disclosure and governance evidence. Advertising and social presence are excluded.
Evidence confidence11 supporting fields
88/100Identity resolution, source trust, claim support and claim level freshness.
Verification and coverage factors
Identity8 supporting fields
100/100Legal identity, official domain, contact evidence and verified entity roles.
Regulation3 supporting fields
80/100Current permissions and restrictions are assessed separately from enforcement history. Registration confirms status, not service quality.
Evidence quality11 supporting fields
76/100Supported claims, high trust evidence and independent source coverage.
Service evidence1 supporting field
65/100Whether the provider's claimed service is supported. Breadth is not rewarded.
Transparency3 supporting fields
43/100Measures material disclosure and governance evidence. Advertising and social presence are excluded.
How to read this- Verification strength describes the research record. It is not a provider quality rating.
- Research completeness measures category relevant coverage. It does not reward a broad product catalogue.
- Customer outcomes remain unscored until a valid exposure denominator and comparable handling data are available.
- Financial resilience remains unscored until at least two comparable directional measures are available.
- Price and contract quality remains unscored until comparable cost and term measures are available.
- Operational reliability remains unscored until comparable delivery or incident data are available.
- An active registration confirms identity or permission in its stated scope. It is not a recommendation or service quality endorsement.
- ServeAssess does not publish a universal composite quality score across unlike provider roles.
Calculated 2026-07-23 from 2 independent sources.
Observed strengths
- Regulatory standing: 80/100 from 3 eligible evidence fields. Current permissions and restrictions are assessed separately from enforcement history. Registration confirms status, not service quality.
Limits and open questions
- Financial resilience or backing: insufficient comparable data. Directionally comparable resilience measures within the provider's role, category, size and jurisdiction peer group. Comparable peer data is required for at least 2 measures; 0 eligible measures are present.
- Price and contract quality: insufficient comparable data. Comparable price and contract measures. Published terms alone do not establish good value. Comparable peer data is required for at least 2 measures; 0 eligible measures are present.
- Customer outcomes: insufficient comparable data. Complaint volume is normalized by an exposure denominator and combined with handling measures. Complaints remain allegations, not findings. Comparable peer data is required for at least 2 measures; 0 eligible measures are present.
- Operational reliability: insufficient comparable data. Comparable delivery, uptime, incident or processing measures within the same peer group. Comparable peer data is required for at least 2 measures; 0 eligible measures are present.
- Transparency and governance: 43/100 from the currently eligible evidence. Measures material disclosure and governance evidence. Advertising and social presence are excluded.
- Verification strength describes the research record. It is not a provider quality rating.
- Research completeness measures category relevant coverage. It does not reward a broad product catalogue.
- Customer outcomes remain unscored until a valid exposure denominator and comparable handling data are available.
Potential fit signals
consumer customersonline accesstelephone access
Based on recorded customer and access fields. This is not a suitability recommendation.
03Entity and role graph
Who markets, contracts, administers and carries the obligation
A brand can represent several legal parties. Complaints, financial facts and permissions must be attached to the party responsible for that function.
ONEGUARD TEXAS LLCcontracting entity · US
verifiedONEGUARD TEXAS LLClegal entity
verifiedOneGuard Home Warrantiesmarketing brand
verifiedOneGuard Home Warrantiesmarketing brand · US
verified04Permission map
Products, roles and jurisdictions
home warrantiesTX · contracting entity · TX SCP PROVIDER 841 · expires 2026-08-24
activeUnderlying licence records
Texas Department of Licensing and RegulationTX · TX SCP PROVIDER 841
active05Source ledger
Evidence behind this profile
ClaimConfidenceStatus
legal name: ONEGUARD TEXAS LLC98%accepted
regulatory status: active98%accepted
licence expiration date: 2026-08-2498%accepted
contract role: provider98%accepted
offers service: Residential service contracts92%accepted
official domain: https://www.ahs.com/oneguard/94%accepted
marketing brand: OneGuard Home Warranties90%accepted
main office address: 3400 Players Club Pkwy Ste 300, Memphis, TN 3812596%accepted
main office state: TN96%accepted
phone number: 888896001496%accepted
service contract classification: Usually a residential service contract, not a bank product, deposit or ordinary homeowners insurance policy.90%accepted