Total Home Protection Review for 2020

When it comes to home warranty providers, Total Home Protection is one of the newest companies in the industry. The business was founded in 2016 and currently offers home warranties that cover “the repair or replacement of covered items in your home that break down due to normal wear and tear.” Warranties are available for homebuyers and for sellers, and coverage is available in 48 states.

Total Home Protection

While the coverage is competitively priced, you’ll want to carefully review what’s included and excluded from each plan. Add-ons are available and the 13-month contracts include a free month of coverage. Total Home Protection offers other perks, like the inclusion of multiple air conditioning or heating units, and the ability to transfer your policy to a homebuyer for free.

Total Home Protection Warranty Plans

Total Home Protection offers two different 13-month home warranty plans marketed to both homeowners and home sellers. Currently, coverage is not offered in Iowa or California.

Coverage is available for:

  • Single-family homes
  • Condos
  • Townhouses
  • Mobile homes
  • 2-family
  • 3-family
  • 4-family

After ordering a plan, coverage begins 30 days from the date of enrollment. Total Home Protection may waive that grace period if you can provide proof of prior coverage from another home warranty provider. There must be no lapse in coverage in order for the grace period to be waived.

The below rates are estimates and reflect the quote for a single-family home under 5,000 square feet in Massachusetts.

Gold ($45.33 per month or $519 per year, $75 service fee)

The Gold plan, Total Home Protection’s base plan, provides coverage for some of the most essential appliances and systems within your home.

  • Plumbing system
  • Plumbing stoppage
  • Water heater
  • Whirlpool bathtub
  • Electrical system
  • Oven/range/stove
  • Cooktop
  • Built-in sump pump
  • Built-in microwave
  • Dishwasher
  • Garbage disposal
  • Trash compactor
  • Ductwork
  • Garage door opener
  • Ceiling and exhaust fans

While this plan lacks coverage for heating and air conditioning systems, it does offer decent coverage for some of the most essential appliances within your home.

Platinum ($52 per month or $599 per year, $75 service fee)

If you’re looking for more coverage than the Gold plan offers, consider upgrading to the Platinum plan. This plan includes all of the coverage provided by the Gold plan, plus additional items:

  • Air conditioning system (2 units)
  • Heating system (2 units)
  • Refrigerator
  • Clothes washer
  • Clothes dryer

The coverage of multiple air conditioning and heating system units is an advantage over other home warranty policies, which typically cover just one unit.

Optional Coverage

While the Gold and Platinum plans don’t cover every element or appliance that might be in your home, you can get that coverage as an add-on.

Available add-ons include:

  • Pool/spa
  • Additional spa
  • Limited roof leak
  • Central vacuum
  • Sump pump
  • Well pump
  • Septic system
  • Septic pumping
  • Second refrigerator
  • Standalone freezer
  • Water softener
  • Refrigerator ice maker
  • Freestanding ice maker

Additional air conditioning system, heating system, water heater, and garage door opener

The pricing for these add-ons isn’t identified, but you can determine the pricing by adding each item onto your order while in the online quote form. It’s not the most convenient way to calculate pricing, but it does give you a running total so you can choose the plan that best fits within your budget.

Special Features

Like most companies, Total Home Protection gives you multiple ways to file a service claim. You can log into the company’s online system and file a claim, or you can call 800-545-0402 to file over the phone.

After you submit a claim, Total Home Protection will hire a contractor within two days during normal business hours. On weekends and holidays, that timeframe may be extended up to four days. Total Home Protection does not limit the number of times you can make a claim in a year.

If you sell your home while your policy with Total Home Protection is still active, you can transfer that policy over to the new homeowner. There is no fee to transfer the warranty, and the new owner can enjoy the remaining coverage on your policy.

How to Get a Quote from Total Home Protection

Total Home Protection offers an online quote form that gives you pricing instantly. You’ll need to enter in some basic contact information as well as specify the type and size of your property. You’ll immediately receive pricing for the Gold and Platinum plans and will have the option to add on optional coverage. You can also choose whether you would like to pay monthly or make a single payment for the year.

Currently, Total Home Protection is running a $50 off offer on home warranty plans, though this discount isn’t available in all states. This offer is only good on a single payment warranty plan.

If you have questions or would like to speak with a service representative, you can call 855-538-6337.

Is Total Home Protection Right for You?

Total Home Protection offers decent coverage with competitive rates, but that coverage is lacking in some areas. The company doesn’t offer any rekeying, which is a standard service included by many other home warranty companies. There’s also a lack of HVAC maintenance options, and air conditioning repair is limited.

Items like registers, grills, humidifiers, condenser casings, window units, gas air conditioning systems, and water evaporative coolers aren’t included. While Total Home Protection will contribute $10 toward refrigerant, you will be responsible for any remaining costs. This company also has longer scheduling times than some competitors, so you may have to wait for service.

Regardless of which home warranty company you choose, always read the details of your contract carefully before signing it. Be sure that you’re familiar with what is and what isn’t covered so you understand just what you’re receiving when you sign the contract.

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