- 365 Home Warranty Premium Plan covers all home appliances and systems crucial for a functional household.
- Their Premium Plan includes free road side assistance.
- With 365 Home Warranty, you can protect your PC and TV as well.
- The contract can be transferred to a new owner if you decide to sell your house.
The Basic Plan is exclusively an appliance coverage plan and you can choose five appliances from a list to cover. Among the listed items are the standard cooktop, oven/range/stove, dishwasher, clothes washer and dryer, but also the not-so-standard doorbell, bathroom exhaust fan and stand-alone freezer.
The Standard Plan offers complete appliance coverage and covers two home systems of your choice. You can choose between a hot water heater, whirlpool bathtub, ductwork, plumbing, electrical system, central AC and central heating system. The complete appliance coverage includes built-in microwave, oven/range/stove, cooktop, dishwasher, refrigerator, clothes washer and dryer, garage door opener, garbage disposal, trash compactor, instant hot water dispenser, and attic, ceiling, kitchen, and bathroom fans.
The Premium plan provides the most extensive coverage of both home appliances and systems. In addition to all home appliances that can be covered by the Standard Plan, the Premium Plan also covers all previously mentioned home systems. With the Premium Plan you don’t have to choose only two systems from the list to cover because this plan covers all of them. In addition to appliance and system coverage, the Premium Plan also comes with free road side assistance. When you’re a user of the 365 Home Warranty Premium Plan, you can have completely free road side assistance available 24 hours a day. You can contact them at any time by calling a toll-free number. Roadside assistance covers on-sight repairs, fuel, tire service, towing service and lock out service.
Additional coverage is available for all customers, regardless of the plan they use. You can enrich your 365 Home Warranty plan by additionally covering your central vacuum, whole home humidifier, whole home water softener, ice maker, wine refrigerator, pool, spa, well pump, sump pump, additional central AC system, additional central heating system, septic system and lawn sprinkler system. You can also protect your TV and PC, which is rare for a home warranty company.
Terms and Conditions
365 Home Warranty plans don’t cover pre-existing conditions, except in cases when the malfunction can’t be detected by visual inspection or simple mechanical test on the coverage period start date. The coverage period starts 30 days after you make a payment for your home warranty plan and lasts for one year.
Every time an authorized technician is sent to your home you have to pay a $75 Service call fee. If you request a non-emergency service outside the normal business hours, you’re obliged to pay any overtime charge and additional fees. The company offers a 90-day guarantee for parts and a 30-day guarantee for labor.
A sample contract on their website lists covered items in detail and it should be read very carefully. When you do so, you’ll find out that, for example, although the company claims to cover your AC system, in reality, only certain parts of your AC are covered. For example, your heat pump system, refrigerant filter dryer and internal wiring are covered, but your fossil fuel control system, humidifiers and heat recovery unit aren’t. We recommend you read thoroughly before singing everything to make sure 365 Home Warranty is the right fit for you.
Another interesting thing we found in the sample contract is the monetary coverage ranges for particular items. This means that repairs and replacements only within a certain monetary range are covered. The company also doesn’t cover any failures which are the result of improper installation, previous repair or manufacturer’s defect. 365 Home Warranty doesn’t cover any costs of carpentry, construction or other incidental costs.
In the event of that you sell the home covered by 365 Home Warranty’s warranty, you can transfer the contract to the new owner. All you have to do is inform the company about the transfer, provide all necessary personal information of new owner and pay a $50 fee.
If you decide to cancel the contract during the first 30 days of the coverage period, without any claims filed, you’re entitled a full refund, minus a cancellation fee. If you cancel the contract after the first 30 days, you’ll receive a pro-rated refund, minus a cancelation fee.
365 Home Warranty provides free quotes and discounts for military customers, veterans, senior citizens, federal and state employees, students, teachers, not-for profit organization employees and many others. They also have rewards for customer loyalty as well. For instance, if you refer a friend or family member, you’ll get a $25 American Express Gift Card when the referred plan becomes active. Or, if you don’t request service within 12 months of contract term, you can get some additional discounts.
If you don’t have a claim to file, but would like to inform yourself a bit more about home warranties, you can check the FAQ sections. Their FAQ section is very informative and often includes the company’s terms and conditions as part of the answer.
Pros & Cons
- Nationwide coverage
- Pre-screened contractors
- Lots of discounts
- 30-day money back guarantee
- Many coverage exceptions