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Is a home warranty just a waste of money? Some feel this way. But for others, it is a real budget-saver. Home warranties are meant to help you when an appliance or system (such as HVAC) breaks and you need it fixed. They are also useful when it’s beyond repair and you require a new one. But be careful! It’s extremely important that you read every part of your contract* so you know what is and isn’t covered. So let’s dig in and see how Total Protect stacks up versus the other home warranty companies you may be considering.
*Good for you! You are reading every part of this article! (This is to help you look for those small asterisks in contracts.)
- 180-day workmanship guarantee
- It appears they are fairly responsive to negative reviews and try to remedy the issue
- Good customer service
- Covers a wide range of appliances and systems
- Place claims 24/7 online or on the phone
- Available in 49 states (not Hawaii)
- They go by many names so you may have to look under a different name to find them in your area
- BBB rating: B
- No build your own plan
- TotalProtect is a product offered by Cross Country Home Services, Inc. (CCHS). Another popular home warranty company, HMS Home Warranty, is also owned by CCHS.
- #2 pick for Best Home Warranty Company
- 180-day (6 months) guarantee, so if the same problem happens again within 6 months Total Protect will fix it at no extra cost to you (TotalProtect is the only home warranty provider that offers this!)
- 24/7 customer service hotline
- Three deductible levels: $75, $100 or $125 (higher deductibles means lower monthly premiums)
All of TotalProtect’s plans include the following:
- Unknown preexisting condition coverage
- Rust and corrosion coverage
- No annual aggregate caps
- Option to cover pools, septic tank and other additional items
- Discounts on electronics coverage for flat screen televisions, laptops, smartphones, entertainment systems and tablets
|Appliances Plan||Systems Plan||Combo Plan|
|Refrigerator||Garbage Disposal||Covers everything from both the Appliances and Systems plans.|
|Range/Cooktop||Air Conditioning (2 units)||Also provides Homeowners Insurance Deductible Reimbursement up to $500 (one claim per 12 months)|
|Wall Oven||Heating (2 units)|
|Range Exhaust Hood||Water Heater|
|Trash Compactor (Built-in)||Plumbing Lines & Stoppages|
|Dishwasher (Built-in)||Sump Pump|
|Clothes Washer||Whirlpool Bath|
|Clothes Dryer||Attic/Whole House Exhaust Fan|
|Door Bells & Chimes|
|Garage Door Opener|
|Main Breaker/Fuse Panel Box|
|Interior Electrical Lines|
|Interior Gas Lines|
Below are two positive and two negative reviews for Total Protect to help you understand some of the good and the bad situations that customers have experienced.
Positive Total Protect Home Warranty Reviews
Total Protect was part of my home package. It’s great submitting a claim, like I called them and their rep gave me a number to call and I called this number and made an appointment. Then they came out, did their thing, and left. The technician who came to service our appliance was very thorough. I have no complaints at all and will use them again. -Pamela, Consumer Affairs 8/23/2015
I recently filed a claim with total Protect Gold, From Start to Finish, the entire process took about 3 weeks, I called, received a claim number, received my replacement product, the service men came and installed my Beautiful Wall Over. The only problem I had was, no one called to let you know how well things were going, you had to do all the follow up. However, once you called, they readily had all the information at had [sic], Merchandise, Model Number, estimated delivery and installation. I was very impressed and have recommended this company to friends and neighbors. -Brenda W., BBB 11/2/2013
Negative Total Protect Home Warranty Reviews
Had to replace a ceiling fan and Total promised to rebate us $95 if we bought the fan/light and emailed the invoice to them. I receive a confirmation email that they had received this from me and to wait 4-6 weeks for them to handle it. I did and called. They told me they had no records of receiving an email. I told them their system verified that they HAD received it. Their solution was to email it again and wait ANOTHER 4-6 weeks for them to do something. Not holding my breath on that happening. -Robert, Consumer Affairs 8/21/2015
When a serious problem arises you have a hard time getting to upper management. should you make it 2 things will happen 1) line is busy 2) they promise to call back and they don’t. Minor problems are handled ok, but serious problems are met with gate keepers not letting you talk to someone else. -Bill Y., BBB 4/6/2015
Why Do You Need a Home Warranty?
Are you still wondering why you need a home warranty? Watch this short clip, maybe it will convince you!
Is Total Protect The Best?
Total Protect is just one of many home warranty companies we review. Checkout our comprehensive home warranty comparison to see if there’s a better option.
What’s your reason for getting a home warranty?
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