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What’s the Best Home Warranty Company?

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When choosing a home warranty company you need to do one thing: READ THE FINE PRINT.

Many customers find themselves frustrated with a company for not paying claims for appliance repairs or the replacement of systems. If the company refuses to pay for it, then there is most likely a written exclusion in your contract. So before we go any further, promise you’ll read every word of your contract!

What Is A Home Warranty?

So what exactly is a home warranty anyway? Home warranty insurance protects you financially from certain defects or malfunctions that may occur after you have purchased your home. It does not cover things like roof, fire/flood damage and other things typically covered by homeowners insurance policies. Items typically covered are appliances, HVAC, plumbing system, electrical system and other appliances and systems. Items covered will vary depending on the company and plan you choose. Fortunately, with many options available, you can choose the right fit for you and your home. The idea, as with any insurance, is that through regular small payments, you’ll be protected from an unexpected, large, and potentially unmanageable financial bill. You hear all of those scary stories about a home warranty provider “fixing” your appliance or system and a couple of weeks later it’s broken again. Our reviews will help you find a provider who will fix it right the first time so it lasts.

What is the Average Cost of Appliances and Systems?

Here is a table of average repair and replacement costs across the nation for some common household items. A home warranty plan could help you to avoid these types of unexpected expenses.

Household ItemEquipment CostRepair CostTotal Replacement Cost
Clothes Dryer$600$130$730
Clothes Washer$700$100$800
Air Conditioner$2,200$300$2,500
Wall Furnace$2,700$115$2,815
Heating and Ductwork$2,900$390$3,290
Water Heater$800$90$890
Main Electrical Panel$700$210$910

Total Protect Review


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Call: 855-459-3517

Total Protect (the same company as HMS Home Warranty) takes 1st place due to its customer service. From our research, they appear to resolve negative experiences in a timely fashion. As you read further in this article, you’ll see that customer service seems to be an issue for home warranty providers. They also have a 180-day workmanship guarantee. TotalProtect is the only home warranty company that offers this guarantee.



  • 180 day guarantee on workmanship.
  • It appears they are fairly responsive to negative reviews and try to remedy the issue.
  • Good customer service.
  • They go by many names so you may have to look under a different name to find them in your area.
  • BBB rating: B.

TotalProtect is one product offered by Cross Country Home Services, Inc. (CCHS). Another well-known product in the CCHS family of brands is HMS Home Warranty.

Total Protect’s Deductible Options

Homeowners can choose from a $75, $100 or $125 deductible. Selecting a higher deductible lowers your monthly premium.


Total Protect offers three coverage plans.

Appliances PlanSystems PlanCombo Plan
RefrigeratorGarbage DisposalCovers everything from both the Appliances and Systems plans.
Range/CooktopAir Conditioning (2 units)Also provides Homeowners Insurance Deductible Reimbursement up to $500 (one claim per 12 months)
Wall OvenHeating (2 units)
Range Exhaust HoodWater Heater
Microwave (Built-in)Toilets
Trash Compactor (Built-in)Plumbing Lines & Stoppages
Dishwasher (Built-in)Sump Pump
Clothes WasherWhirlpool Bath
Clothes DryerAttic/Whole House Exhaust Fan
Central Vacuum
Door Bells & Chimes
Garage Door Opener
Smoke Detectors
Main Breaker/Fuse Panel Box
Interior Electrical Lines
Interior Gas Lines

All plans also include:

  • Unknown Preexisting Condition Coverage.
  • Rust and Corrosion Coverage.
  • No Annual Aggregate Caps.
  • Option to cover additional items like pools and septic tanks.
  • Discount on TotalProtect Electronics coverage for flat-screen TVs, entertainment systems, laptops, smartphones and tablets.


TotalProtect is currently offering our readers many great incentives: $100 off new combo warranty plans; your first month free on any plan; $50 gift cards and more! Just use this link to get started. You can also visit our dedicated TotalProtect coupon page to discuss offers.

Read our in-depth TotalProtect Review

The Home Service Club Review


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Call: 800-823-6009

The Home Service Club (HSC) was a close 2nd for Best Home Warranty Company. They are by far one of the best home warranty companies available. They have a great reputation and keep their customers happy, which seems to be a difficult task for some of their competitors. Their service guarantee is a much shorter time period than our #1 pick, but their top-notch customer service makes them a very strong contender and worthy of your consideration.



  • One of the best reputations in the home warranty field.
  • Fewer complaints than its competitors.
  • Repairs and replacements occur quickly.
  • Covers the appliance/system regardless of age, make or model.
  • Does not offer service in California.
  • BBB Rating is a B+ which is great but not quite as high today as other top players.

Service call Fees

HSC has 3 options for trade service call fee payments. Basically, these work like deductibles. This fee is the amount you will pay out of pocket for a service call (other deductibles may apply as well, so again, please read your contract). Choosing a higher call fee payment will lead to a lower monthly warranty cost. The actual monthly price of your plan will depend on your location and other factors.

Home Service Club’s Service Call Fee Options

  • $65
  • $95
  • $125


Home Service Club offers 2 coverage plans, Standard and Comprehensive. With the Comprehensive Coverage homeowners get all the items in the Standard Coverage as well. HSC also offers additional add-ons that can be purchased individually.

Standard CoverageComprehensive CoverageOptional Add-Ons
Air ConditioningAlarm WiringAdditional Water Heater
Ceiling FansDoorbellsClothes Dryers
Central VacuumsDuctworkClothes Washers
Electrical SystemsGas LeaksDishwashers
Garage Door OpenersInstant Hot and Cold Water DispenserFreestanding Additional Refrigerator
Garbage DisposalPest ControlFreestanding Freezers
Heating SystemsPlumbing Stoppage CoverageFreestanding Icemakers
Plumbing Systems (Faucets)Recirculating Hot Water PumpJetted Bathtubs
Water HeaterSmoke DetectorsPool and/or Spa Equipment
Clothes DryerSump PumpRefrigerators - Built-In Units with Dual Compressors
Clothes WasherTelephone WiringRoof Coverage
DishwasherWater LeaksSewage Ejector Pump
Food Centers Built-InWhirlpool Motor and Pump AssembliesSpa and Spa Heater
Freestanding IcemakersWhole House Exhaust and Attic FansWater Softener
Microwave Oven Built-InWell Pump
Trash Compactors

So, you will need to pick a service call fee amount (the lower the service fee, the higher the monthly fee) and pick a plan (standard vs. comprehensive) to get started. The least expensive option will always be the most expensive service fee and standard coverage.


Home Service Club occassionally has seasonal discounts, visit our dedicated HSC coupon page to discuss current offers.

Read our in-depth Home Service Club Review

American Home Shield Review


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American Home Shield is a well-known home warranty company, hence why they were chosen for 3rd place. However, more than 6,000 complaints have been filed with the Better Business Bureau. We understand that with any company there will be customers who do not like the service and with about 1.4 million customers, 6,000 may seem like a fairly small number, but still. A large portion of these complaints object to the company’s failure to cover the cost of the full appliance or system. However, if you read below, you will see that is not what AHS does.



  • More than 1 million homeowners covered.
  • Receive discounts on appliances and air filters.
  • Make a custom plan.
  • Covers all appliances and systems regardless of age or make/model.
  • Make a service request online.
  • Over 40 years experience.
  • BBB rating: B.
  • AHS may choose to repair an appliance/system over and over instead of paying for a new one. So it may be a hassle for you if your item continues to break.
  • Some customers say they spend too much time on the phone trying to get a claim approved.

Service Call fees

American Home Shield offers 3 trade service call fee levels. Some things you’ll want to remember are that you don’t pay for the actual repair or replacement cost for the covered items. Your contract will cover the repairs and replacements regardless of age, make and model.

American Home Shield’s Service Call Fee Options

  • $75
  • $100
  • $125


AHS offers 4 different home warranty plans to help protect your wallet. As with most of these companies, pricing is not available on the website in a generic format so you must input your information for a quote.

Appliance & Systems Plans

Both the Appliance Plan and System Plan cover the repair or replacement of the following items:

Appliance PlanSystems Plan
RefrigeratorAir conditioning (including ductwork)
DishwasherHeating (including ductwork)
Clothes WasherElectrical
Clothes DryerPlumbing
Range/Oven/CooktopWater Heater
Built-In Microwave OvenGarbage Disposal
Free-Standing Ice MakerInstant Hot/Cold Water Dispenser
Trash CompactorCentral Vacuum
Garage Door OpenerSmoke Detector
Built-In Food ProcessorDoorbell
Ceiling Fan

Build Your Own Plan

Select 10 or more items from the Appliance and/or Systems Plans to have covered. This way you aren’t paying for items that aren’t as important to you or that you don’t have.

Combo Plan

The Combo Plan includes everything in the Appliance and Systems Plans (a total of 21 items). On average, you will save $14/month with this plan instead of purchasing the Appliance and Systems Plans separately.

Optional Add Ons

Here are some additional add-ons available at an extra cost:

  • Pool/Spa, Water Softener, Well Pump and Septic Plumbing


American Home Shield occassionally has seasonal discounts, visit our dedicated AHS coupon page to discuss current offers.

Read our in-depth American Home Shield Review

Slideshare: Home Warranty Reviews Summary

What Other Home Warranty Companies did we Review?

Other home warranty companies we reviewed that did not make our top 3 list are below. To go directly to a company’s review, click on one of these links:

2-10 Home Buyers Warranty | America’s First Choice (AFC) | Buyers Protection Group (BPG) | Choice Home Warranty | Fidelity National Home Warranty | First American Home Buyers Protection | HSA Home Warranty | Home Warranty of America (HWA) | Old Republic Home Protection | OneGuard Home Warranty | Select Home Warranty | Stanley Warranty

2-10 Home Buyers Warranty Review

2-10 Home Buyers Warranty logoVisit Website

2-10 Home Buys Warranty states, “It says we are in the business of promises kept… and promises kept make our customers happy.” However, they don’t seem to follow this motto too well. According to their customers, keeping promises sounds like the complete opposite of what they do.



  • 24/7 customer service.
  • 10-year new construction structural warranty that covers physical damage or defects to load-bearing parts of your new construction home including load-bearing walls and partitions, beams and girders, columns and floor and roof framing.
  • BBB rating: B+.
  • Claims a 95% customer satisfaction rating.
  • Goes into effect when other coverage runs out or expires, including manufacturer’s warranties or one-year workmanship coverage.
  • Has covered 5.5 million homes.
  • Don’t always cover the appliance or system they say they do.
  • Customers complain that they don’t always honor the warranty agreement.
  • Customers not always reimbursed for out-of-pocket expenses and if you are reimbursed it may take some time to get it.


Plumbing, Electrical Panel and Wiring, Refrigerator, Oven, Dishwasher, Furnace, Air Conditioner/Freon Split System, Hot Water Heater, Roof, Built-In Microwave, Disposal, Trash Compactor, Clothes Washer & Clothes Dryer

Read our in-depth 2-10 Home Warranty Review

America’s 1st Choice Review

America's 1st Choice logoVisit Website

America’s First Choice’s (AFC) website is well laid out and simple to digest. This company is also very clear about its offerings. With most companies you have to dig through pages of their website, place calls and request quotes to get the information you need. AFC however, has all of their information right on their website. All you have to pay is a $60 service call fee per claim. Are they too good to be true?



  • Cover your home systems and appliance despite their age and offer and unlimited number of repairs.
  • Service call fee goes down $10 every year you are with AFC.
  • Very clean and easy to use website.
  • $7,500 limit of liability, AFC claims this is the highest in the market place.
  • BBB rating: B.
  • Available in 48 states.
  • Mixed reviews by customers. Some love it while others hate it.
  • Not available in Alaska and Hawaii.


There are 3 plans offered by America’s 1st Choice.

BronzeSilverGoldOptional Add-Ons
Water Heater (Gas and Electric)Clothes DryerEverything from Silver and Bronze PlansDouble Oven
Air Condition/Cooler (1 Unit)Clothes WasherElectrical SystemPool Equipment
Heating System or Built-In Wall UnitRefrigeratorPlumbing SystemSpa Equipment
Water Heater (Gas and Electric)DuctworkWell Pump
OvenTelephone WiringSump Pump
RangeCentral Vacuum
Stove/CooktopStand Alone Freezer
DishwasherSecond Refrigerator
Garbage DisposalSeptic System
Garage Door OpenerDuplex

Buyers Protection Group – BPG Home Warranty Review

Buyers Protection Group logoVisit Website

Buyers Protection Group (BPG) seems to consistently let their customers down according to some review sites. They don’t have the best reputation that we can see, but somehow they have an A+ rating from the BBB, which is not easy. So they must be doing something right.



  • In business for more than 23 years.
  • Can be transferred to a new homeowner if you sell your home.
  • BBB rating: A+.
  • Customers complain that they say they’ll cover a claim and won’t.
  • Not the best technicians.
  • Not available in all states (only 14).


Prices and items covered vary depending on which state you live in. See BPG’s website to see pricing and items covered for your state. It’s in the Warranty Brochure PDF.

Choice Home Warranty Review

Choice Home Warranty logoVisit Website

Choice Home Warranty (CHW) is the least reputable home warranty company we have found in our research. They have a government write-up on the BBB stating that they “allegedly induced consumers to buy “comprehensive” coverage for crucial home systems and appliances, and then denied consumers’ claims for repair or replacement through the use of deceptive tactics. As a result, consumers who paid hundreds of dollars for CHW’s “home warranties” – which are actually residential service contracts – were forced to pay out-of-pocket for air conditioning, refrigerator, or other repairs that allegedly should have been covered under their “warranties” with CHW.” This is a big claim to throw at a company and in our eyes Choice Home Warranty must have done some pretty awful things to their customers to deserve this type of accusation. Ask your neighbors as service can vary by location but you may want to consider other home warranty companies.

Fidelity National Home Warranty Review

Fidelity National Home Warranty logoVisit Website

Fidelity National Home Warranty can be a hit or a miss for customers. Some have been loyal customers for years filing many claims and being happy with their services, while others haven’t been so lucky. Depending on what your coverage needs are, Fidelity National Home Warranty may be a good fit for you and your home.



  • Covers any home, no matter its age.
  • BBB rating: A+.
  • Extra cost for refrigerator, washing machine/dryer and air conditioning coverage.
  • Doesn’t reimburse you for services done outside of the contract.
  • Only available in 7 U.S. states.


Fidelity National Home Warranty doesn’t clearly spell out any plans they have. Below is a list of the standard coverage offered by them, however, it may vary by state: Plumbing system and stoppages, Toilets, Sump Pump (Permanently Installed), Bathroom Whirlpool Motor Pump, Recirculating Hot Water Pump, Water Heater, Heating and Ductwork, Electrical system, Telephone System, Central Vacuum System, Garage Door Opener, Ceiling Fans, Attic and Exhaust Fans, Smoke Detectors, Doorbells, Dishwasher, Range/Oven/Cooktops, Built-In Microwave, Instant Hot Water Dispenser & Trash Compactor

Optional Add-Ons

The add-ons are an extra cost:

  • Kitchen Refrigerator
  • Clothes Washer
  • Clothes Dryer
  • Air Conditioning
  • Pool and Spa Equipment
  • Limited Septic and Roof Leak Repair

First American Home Buyers Protection Review

First American Home Buyers Protection logoVisit Website

First American Home Buyers Protection offers plans that become effective 30 days after enrollment. At the time of this writing, there are more than 1,800 complaints on the Better Business Bureau that have been resolved in the past 3 years. Reader feedback states they are displeased with their customer service from First American.



  • Over 30 years of service.
  • Covers 35 of the 50 states, which is more than other companies.
  • BBB rating: B.
  • Reader feedback states that they have parts replaced over and over instead of getting a new appliance/system, which makes them go long times without their appliance/system working.
  • A large portion of customer reviews online are negative.
  • According to readers, over the phone communication with them can be lengthy and sometimes get you nowhere.


First American Home Buyers Warranty offers two different plans: Basic Plan and Premier Plan. The Premier Plan covers everything in the Basic Plan.

BasicPremierOptional Add-Ons
Range/Oven/CooktopCentral Vacuum SystemAdditional Refrigeration
DishwasherDuctworkWell Pump
Garbage DisposalGarage Door OpenerCentral Air Conditioner
Built-In MicrowaveElectricalPool/Spa Equipment
Trash CompactorPlumbing
Kitchen RefrigeratorPlumbing Stoppages
Ceiling/Attic/Exhaust FansHeating
Instant Hot Water DispenserWater Heater
Clothes Washer
Clothes Dryer

HSA Home Warranty Review

HSA Home Warranty logoVisit Website

HSA Home Warranty is a hit or miss. Customers either have great service from HSA or horrible service. Personally, with a reputation of both, I would choose another company over HSA. I wouldn’t want to risk being one of the customers with horrible service. However, when they do give you their best service you will be satisfied.



  • 7 Star Upgrade is a great offer: $250 credit towards permits, $250 towards code violations, removal & disposal of replaced equipment and more.
  • BBB rating: A+.
  • 32 of the 38 reviews on BBB are negative (despite the A+ rating).
  • Mixed reviews from customers. HSA either does a great job on a claim or does a terrible job, according to customers.


Pricing and coverage vary based on location. Go on HSA’s site to see what they cover for your zip code.

Home Warranty of America Review

Home Warranty of America logoVisit Website

Home Warranty of America (HWA) is one of the largest sellers of home warranty services. HWA has received awards for its services and what we like best about them is that they are very transparent about their offerings. HWA was close to making it to our top 3 this year but what it came down to was Total Protect’s desire to please their customers and their 180 day workmanship guarantee.



  • 24/7 customer service.
  • Majority of the reviews online are positive.
  • BBB rating: B+.
  • Been in business since 1996.
  • Coverage for all 50 states.
  • Reports of technicians being unprofessional.

Plans and Pricing

Service Fees are $60 each or the actual cost of replacement/repair, whichever is less.

Although plans vary by state, HWA typically offers two different plans, Appliance Plus for $24.95 per month and Allstar for $30.75 per month. Everything in the AppliancePlus package is included in the Allstar package. Coverage for the plan may vary depending on where you live, but here are the basics.

Appliance PlusAllstarOptional Add-Ons
Permanent Sump PumpHeating System/FurnaceAir Conditioning System/Cooler
Electrical SystemWater HeaterGarage Door System
DishwasherDuctworkRefrigerator's Ice Maker
Garbage DisposalPlumbing SystemSecond Refrigerator
Built-In MicrowavePool/Spa Combo
Range/Oven/CooktopAdditional Pool/Spa
Trash CompactorWell Pump
Exhaust FanSeptic Tank Pumping
Whirlpool Bath TubFreezer (Stand Alone)
Door Bells
Ceiling Fans
Central Vacuum
Burglar and Fire Alarm Systems
Kitchen Refrigerator
Washer/Dryer Package

Old Republic Home Protection Review

Old Republic Home Protection logoVisit Website

Old Republic Home Warranty claims to be the third largest home warranty provider in the nation. It seems like they need to focus more on their customers than their size though. After being in service for 40 years they should have a better reputation than what they have, in our opinion.



  • In business since 1974.
  • Available 24/7 for your to report claims.
  • BBB rating: A+.
  • You don’t always get the best contractor.
  • Many customers are displeased with their service.
  • Only covers 23 of the 50 states.


Here is a list of some of the basics that Old Republic Home Protection covers. Based on your location more items are covered, but you will have to go to their website directly and choose your state to see what they have to offer for you.

  • Washer
  • Dryer
  • Kitchen Refrigerator
  • Enhanced Drain Line Stoppage Coverage
  • Garage Door Opener
  • Polybutylene Pipes

Read our in-depth Old Republic Review

OneGuard Home Warranty

OneGuard Home Warranty logoVisit Website

OneGuard Home Warranty is relatively small compared to the other companies listed in this article. Since they’re smaller they have fewer customers, which should mean that they are able to spend more time on those customers to make sure that they have a good experience. However, according to our research, they aren’t any better than the competition.



  • They claim to be the leading choice in home warranties for more than 20 years.
  • Has an average response time of 1 business day.
  • Only covers Arizona and Texas.
  • Not BBB accredited.


OneGuard Home Warranty claims to cover all major home systems and appliances in addition to the following:

  • A/C & Heating System Tune-Ups
  • Sprinkler System
  • Termite & Pest Control
  • Weed Control

You can learn more about what OneGuard Home Warranty covers by going to their website and getting a quote.

Select Home Warranty Review

Select Home Warranty logoVisit Website

Select Home Warranty can get your appliance or system fixed quickly. However, getting in touch with them in the first place can be a difficult task. They don’t have the best reputation when it comes to responding to customers’ phone calls. So when it’s a hot July day and your A/C goes out and you can’t get ahold of them, you may get a bit aggravated.



  • Make a claim 24/7.
  • Takes care of your appliance/system in a timely fashion.
  • If you decide to choose Select Home Warranty you can get $100 off plus 2 months free. Just go to the Plans page and drag the web page tab away into its own window.
  • Getting reimbursements and refunds can be a daunting task.
  • Not the best customer service reviews.

Plans, Coverage and Pricing

Select Home Warranty offers three different package to cover your home appliances and systems. Service fees are usually $60 but can vary based on your state. The Gold Care includes everything in the Bronze Care and the Platinum Care package includes everything from the Bronze and Gold Care packages.

 Bronze CareGold CarePlatinum CareOptional Add-Ons
Plumbing StoppageCheckmarkPool
Clothes WasherCheckmarkCheckmarkCentral Vacuum
Heating SystemCheckmarkCheckmarkSecond Refrigerator
Water HeaterCheckmarkCheckmarkSump Pump
Garbage DisposalCheckmarkCheckmarkWell Pump
Plumbing systemCheckmarkCheckmarkLimited Roof Leak
RefrigeratorCheckmarkCheckmarkStand Alone Freezer
Stove/OvenCheckmarkCheckmarkLawn Sprinkler System
Microwave Oven (Built In)CheckmarkCheckmarkSeptic System
CooktopCheckmarkCheckmarkIce Maker (In Refrigerator)
DishwasherCheckmarkCheckmarkPlumbing Fixtures/Lighting Fixtures
Clothes DryerCheckmarkCheckmarkAdditional AC Unit
DuctworkCheckmarkCheckmarkAdditional Heat/Furnace
Garage Door OpenerCheckmarkAdditional Water Heater
A/C, CoolingCheckmarkCheckmarkSpa
Electrical SystemCheckmarkCheckmark
Ceiling FanCheckmarkCheckmark

Read our in-depth Select Home Warranty Review

Stanley Warranty Review

Stanley Warranty logoVisit Website

Editor’s note: as of September, 2016, Stanley’s website is not working.

Stanley Warranty gives unbelievable discounts and after doing some research we’ve got an idea why. They seem to have a pretty bad reputation. Customers are often frustrated with the service they receive. Are the large discounts due to their low customer satisfaction rate?



  • Limited offer of NO service fees and NO deductibles on any plan.
  • Covers all 50 states.
  • Available 24/7.
  • 30 day money back guarantee.
  • Bad customer service reputation.
  • Isn’t timely with paying/reimbursing contractors or customers.
  • Not BBB accredited.


Stanley Warranty offers five comprehensive plans. Each level includes all of the features of the levels below it.

Major SystemsBronzeCopperSilverGold
Hot Water HeaterRange/Oven/Cooktop/StoveHot Water HeaterClothes WasherInterior Electric
Central A/C SystemRefrigeratorCentral A/C SystemClothes DryerGarage Door Opener
Furnace and HeatingDishwasherFurnace and HeatingCentral Vacuum
Interior Electric WiringBuilt-In MicrowaveTelephone WiringExhaust Fan
Trash CompactorBurglar Alarm
Hot Water Dispenser
Interior Plumbing
Stand Alone Freezer

Which Home Warranty Company Should I Pick?

Of utmost importance is to remember that your home has specific appliances and systems that you want to be sure are covered. So, when you’re talking to representatives from each company be sure to ask about your specific needs. The more questions you ask the better off you are and the fewer surprises you will have later down the road. Look at multiple companies, ask for quotes and most importantly read the fine print.

Is A Home Warranty Worth it?

We believe that when a major (and expensive) appliance breaks down, any homeowner will be glad they have a home warranty in place. Does this mean it is a right fit for everyone? Of course not, but for a small monthly fee it may offer the peace of mind you are seeking. Learn more in this video from Angie’s List:

Who Is Your Home Warranty Company?

For those of you who currently have a home warranty, who are you with? And what has your experience been so far?

Kimberly researches everything before she buys. She wants to make sure she is getting the best bang for her buck by purchasing the best product/service, which is why she loves her work. She has a degree in Multimedia Journalism and has been researching and writing professionally since 2013 to help consumers make more educated decisions.

Leave a Reply

13 Comments on "What’s the Best Home Warranty Company?"

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We had a very good experience with BPG. Would buy from BPG again if needed and I would recommend them based on my experience with them.


Secure Home Warranty is also horrible. They say they cover refrigerator but when it goes out, they say they do not cover sealed systems for refrigerators. As far as I am concerned, all parts of a refrigerator are sealed other than lightbulbs and door handles. WTF


I just signed up with American General Warranty company, partly because they had an aggressive Black Friday promotion, but I do not see much about them online, nor in your report. Has anyone ever heard of them?

Matt B
Matt B

I was very excited to see HMS on this list. They have been fantastic to me from the start and I have used them for roughly 2 years at this point and have not had a single problem with them. I would definitely recommend checking them out.

Logan Geist
Logan Geist
This website looses credibility listing HMS as a top choice. 1. Customer service is terrible 2. Provider network is terrible 3. Claims process is terrible 4. I’ve shared many specific complaints with them about their processes, they don’t care. 5. When needing my issue escalated, the “Regional Manager” made it worse. He accepted no accountability for himself or his company, made sly attempts to throw everyone else involved under the bus, and then transitioned to selling me more services. 6. A company that operates with so many subsidiary names and organizations, as this article claims, only increases the risk factor… Read more »
Heather B
Heather B

Total Protect does not have an A rating with BBB as you state.


I’m in the process of buying a house right now and the home comes with a 12 month HSA Home Warranty. I’m happy to have the home warranty but I’m nervous that it may not be the best one. Hopefully it’s good in my location!

DAY 7 – Just got off the phone with Anna, submitted claim for microwave (which had actually been failing for several weeks) and oven, tech came 2 days ago and said neither could be repaired (units too old, parts not available) and would need to be replaced. Did not hear from HSC so after 2 days of tech visit I called and they said they were still working on determining how to handle a case that involves units too old to get parts for (hard to believe a home warranty company has not dealt with this scenario many times before).… Read more »
John R.
John R.

Having owned several homes over the years I have sued a few of these companies and all I can say it to limit your expectations. Yes, they will cover some things and others no way, but its not super expensive. Go for one that is affordable and has great customer service.


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