American Guardian Warranty Services, Inc.

What American Guardian Warranty Services, Inc. does

American Guardian Warranty Services, Inc. (AGWS) is a vehicle service contract administrator and protection product provider founded in 1998 and headquartered in Warrenville, Illinois. The company designs, underwrites, and administers extended warranties, GAP coverage, tire and wheel protection, appearance protection, key replacement, theft deterrent, and battery protection products, and markets them under two distinct brands — Compass and Xzilon. Its customer base spans automotive, RV, powersports, marine, and heavy-duty truck and bus dealers, distributed through a dedicated dealer network and a parallel agent network.

AGWS operates a vehicle protection administration platform with a dedicated dealer portal and a claims portal that handle policy issuance, claims intake, and administration. In January 2025, at the NADA Show, the company introduced an Automated Claim Approval Tool to streamline claims processing for its distribution partners. The company also offers reinsurance and claims administration solutions to support its dealer and agent partners.

Revenue is generated through fees and premiums associated with the sale and administration of vehicle service contracts and ancillary protection products sold at the F&I point of sale by dealers and agents. AGWS is a privately held company that was acquired by Reynolds and Reynolds in 2025, and it employs 101-250 people.

Name

American Guardian Warranty Services, Inc.

Legal name

American Guardian Warranty Services, Inc.

Website

https://agws.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

101–250 employees

Short description

American Guardian Warranty Services (AGWS) is a vehicle service contract administrator offering extended warranties, GAP coverage, and ancillary protection products (Compass and Xzilon brands) to automotive, RV, powersports, marine, and heavy-duty truck and bus dealers and agents.

Ownership category

akta.pro rank

Product category

Vehicle Protection and F&I Administration

akta.pro primary industry

Dealer-Sold & F&I Administered Service Contracts (Dealer Obligors) (FSAJALAD)

akta.pro secondary industries

GAP & Vehicle Protection Products (GAP Waiver/Insurance, Lease/Loan Protection) (FSAJALAC), Auto Ancillary Warranties (Tire & Wheel, Paintless Dent, Key/Remote, Windshield) (FSAJALAB), OEM/Captive Warranty & Service Contract Programs (FSAJALAE), Vehicle Protection & Add-on Product Financing (Warranties, GAP, Service Plans) (FSAKADAL)

Keywords

• Vehicle service contracts
• F&I products
• Extended warranties
• Vehicle protection plans
• GAP coverage

Headquarters

HQ city

Warrenville

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations, Others

Revenue model

1. Vehicle Protection Products: AGWS generates revenue through the sale of vehicle protection products including extended warranties, GAP coverage, tire and wheel protection, appearance protection (paint sealants, ceramic coatings), key replacement, and touchscreen protection. Products are sold through dealer and agent networks as F&I add-ons during vehicle purchases.
2. Claims Administration Services: Revenue generated through claims processing and administration services provided to dealers, insurers, lienholders, and service centers through the claims portal (claims.agws.com)

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

American Guardian Warranty Services, Inc. (AGWS) administers vehicle service contracts and F&I protection products—including extended warranties, GAP coverage, tire and wheel protection, appearance protection, key replacement, and touchscreen protection—for automotive, RV, powersports, marine, and heavy-duty truck dealers and agents. The company also processes claims and operates dedicated dealer, agent, and claims administration portals.

Product overview

American Guardian Warranty Services (AGWS) offers a comprehensive portfolio of vehicle protection products and services across multiple vehicle categories: Automotive, Powersports, Marine, Recreational Vehicles (RVs), and Heavy Duty Truck & Bus. The product portfolio includes two main sub-brands: Compass (covering extended warranties, protection plans, GAP coverage, tire & wheel, key replacement, EV protection, and limited warranties) and Xzilon (covering appearance protection and touchscreen protection). AGWS serves dealers, agents, and customers with F&I products including vehicle service contracts, appearance protection, GAP waivers, and various specialized coverage options for different vehicle types.

Differentiator

Problem solved

Functional benefit

Products and services

• Compass Protection Plan Extended vehicle service contract offered through dealers as an F&I product, providing post-factory-warranty coverage for automotive vehicle owners.
• Compass EV Protection Vehicle service contract tailored for electric vehicles, distributed through automotive dealers as an F&I add-on for EV purchasers.
• Compass GAP (Guaranteed Asset Protection) GAP coverage product that fills the difference between an outstanding loan balance and the actual cash value of a totaled vehicle, sold through dealers at the point of sale.
• Compass Tire and Wheel Tire and wheel protection product for automotive vehicles covering road-hazard damage, distributed through dealers as an F&I add-on.
• Compass Key Replacement Key replacement protection product for automotive vehicles, sold through dealers as an F&I add-on covering lost or damaged keys.
• Compass Limited Warranty Limited vehicle warranty product distributed through automotive dealers as an F&I product offering defined-component coverage.
• Compass Pursuit Automotive vehicle protection plan variant distributed through dealers as an F&I product.
• Compass Basic Entry-level automotive vehicle protection plan distributed through dealers as an F&I add-on.
• Compass Tech Plus Technology-focused automotive vehicle protection plan distributed through dealers covering electronic and tech components.
• Compass Advantage Premium automotive vehicle protection plan distributed through dealers as an F&I add-on.
• Complete Coverage Comprehensive automotive vehicle protection plan distributed through dealers as an F&I add-on.
• Extended Lease Wear and Tear Lease-end wear-and-tear protection product for automotive lease vehicles, distributed through dealers.
• Xzilon Appearance Protection Ceramic paint-coating technology that chemically bonds to vehicle paint to create a glass-like protective layer repelling particles, sealing out environmental elements, and resisting UV and temperature degradation; sold through dealers as an F&I product.
• Xzilon Touchscreen+ Glass Modifier Ceramic-based protective coating for in-vehicle touchscreens that bonds to the screen surface for long-term protection against damage and dirt without affecting visibility or function; sold through dealers as an F&I product.
• RV Tire and Wheel Coverage Tire and wheel protection product for recreational vehicles distributed through RV dealers as an F&I add-on.
• RV GAP Insurance Coverage GAP coverage product tailored for recreational vehicles, distributed through RV dealers as an F&I add-on.
• RV Limited Warranty Coverage Limited warranty product tailored for recreational vehicles, distributed through RV dealers as an F&I add-on.
• AGWS Roof Protection Roof protection product for recreational vehicles, distributed through RV dealers to cover roof damage.
• Road Guard Roadside assistance and protection product for recreational vehicles, distributed through RV dealers as an F&I add-on.
• AGWS Motorhome Coverage Vehicle service contract covering motorhomes, distributed through RV dealers as an F&I add-on.
• RV Towable Coverage Vehicle service contract covering towable RVs (travel trailers), distributed through RV dealers as an F&I add-on.
• RV Stock and Utility Trailer Coverage Coverage product for stock and utility trailers distributed through RV dealers.
• RV Tire and Wheel - Stock and Utility Trailers Tire and wheel protection product tailored for stock and utility trailers, distributed through RV dealers as an F&I add-on.
• Xzilon RV+ Appearance Protection Ceramic-based appearance protection coating tailored for recreational vehicles, distributed through RV dealers as an F&I add-on.
• Compass Powersports Battery Battery protection product for powersports vehicles (motorcycles, ATVs, watercraft), distributed through powersports dealers as an F&I add-on.
• Compass Powersports Theft Deterrent Theft deterrent protection product for powersports vehicles, distributed through powersports dealers as an F&I add-on.
• Compass Powersports Tire and Wheel Tire and wheel protection product for powersports vehicles, distributed through powersports dealers as an F&I add-on.
• Powersports Battery Program Battery protection program for powersports vehicles distributed through powersports dealers as an F&I add-on.
• AGWS Marine Vehicle protection plan product for marine vessels, distributed through marine dealers as an F&I add-on.
• AGWS Marine 90-Day Limited Warranty 90-day limited warranty product for marine vessels, distributed through marine dealers.
• Xzilon Ultimate Marine Protection Ceramic-based appearance protection coating tailored for marine vessels, distributed through marine dealers as an F&I add-on.
• Compass Heavy Duty Truck and Bus Protection Vehicle service contract tailored for heavy-duty trucks and buses, distributed through heavy-duty dealers as an F&I add-on.
• Compass Medium Duty Truck Protection Vehicle service contract tailored for medium-duty trucks, distributed through heavy-duty dealers as an F&I add-on.
• Automated Claim Approval Tool Automated claim approval system launched at NADA Show 2025 to streamline claims processing workflow for vehicle protection products sold through AGWS dealer and agent channels.

Quantifiable outcome

• Vehicles with ceramic paint treatment have resale prices 15%-20% higher than non-treated vehicles
• +3 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Direct peers

• JM&A Group: F&I product and service provider affiliated with JM Family Enterprises, serving automotive dealers with extended service contracts, GAP, and protection products. Directly comparable in dealer-channel VSC administration and F&I menu programs.
• National Auto Care: Specialized provider of vehicle service contracts, GAP, tire & wheel, and ancillary protection products distributed through dealer networks. Closely comparable product mix and dealer-channel go-to-market to AGWS.
• RoadVantage: Provider of F&I products including service contracts, GAP, tire & wheel, and ancillary protections distributed through dealer networks. Closely comparable product portfolio and dealer-channel focus to AGWS.
• Protective Asset Protection: Provider of F&I products including service contracts, GAP, and ancillary protections to automotive, RV, and powersports dealers. Part of Protective Life; offers a similar multi-vertical dealer-channel model to AGWS.
• First Extended Inc. Independent vehicle service contract administrator serving franchised and independent dealers across the US. Comparable dealer-channel distribution and VSC/GAP product mix to AGWS.
• CNA National Warranty Corporation: Specialized administrator of vehicle service contracts and dealer protection products, serving franchised and independent dealers nationwide. Directly comparable in core VSC administration focus and dealer relationships.
• EasyCare (Allstate Dealer Services): Direct competitor administering dealer-sold vehicle service contracts, GAP, and F&I products across automotive and powersports verticals. Backed by Allstate, providing scale advantages similar to AGWS's Reynolds relationship.

Broad incumbents

• Assurant Vehicle Protection (Assurant, Inc.): Large incumbent in vehicle service contracts, GAP, and F&I products through dealer and lender channels. Significantly larger and more diversified than AGWS, with global operations. Comparable in core VSC administration but at much greater scale.
• Zurich North America Dealer Protection: Large global insurer with a dedicated dealer protection / F&I product unit offering service contracts and ancillary products through dealer networks. Larger and more diversified than AGWS but directly comparable in dealer-channel offerings.

Emerging players

• Alpha Warranty Services: Smaller, growth-focused administrator of vehicle service contracts distributed through dealer and agent channels. Comparable product offering to AGWS's Compass line but at smaller scale and with greater focus on digital dealer tools.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks1 record

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/american-guardian-warranty-services-inc-

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about American Guardian Warranty Services, Inc.