A woman answers her door to the Grim Reaper. She pleads with it to spare her life because she's taken care of herself with spin class, but it passes her buy to declare her refrigerator dead and gone. She's not happy about this turn of events, either. American Home Shield says that homeowner's insurance does not usually cover broken appliances but its home warranty does. If you protect your appliances with an American Shield Warranty, you won't have to worry when the Reaper comes knocking for your air conditioner.