- Comprehensive coverage plans
- Affordable $45 deductible
- One month free
The Gold plan includes a customer’s plumbing system, plumbing stoppage, water heater, whirlpool bathtub, electrical system, oven/range/stove, cooktop, range exhaust hood, built-in microwave, dishwasher, garbage disposal, trash compactor, ductwork, garage door opener, and ceiling and exhaust fans. As you can see, this plan is quite comprehensive and includes many appliances and systems, but the Platinum plan is even better, as it includes everything the Gold one does, plus 2 AC units, 2 units of heating system, refrigerator, washing machine and clothes dryer.
In addition to these two plans, Total Home Protection also offers optional coverage for customers’ pools and spas, additional spas, limited roof leaks, central vacuums, sump pumps, well pumps, septic systems, septic pumping, additional refrigerators, standalone freezers, water softeners, refrigerator ice makers, free standing ice makers, as well as additional units of air conditioning, heating systems, water heaters and garage door openers.
The way home warranty works with Total Home Protection is that, if one of the appliances or systems covered by the warranty breaks down, you file a claim by calling the company phone number or submitting a request on their website. The customer service is available 24/7/365. The company will then send a licensed technician, from their own network of contractors, to your home to inspect the appliance or system in question. You will pay a service fee and the company will cover the cost of the repair or the replacement.
Terms and Conditions
Furthermore, Total Home Protection will only cover repairs that are caused by normal wear and tear. Breakdowns caused by misuse, improper installation, lack of maintenance, snow, water damage, storm, fire, earthquake, hale, power failure or surge, pest damage, flood, smoke, freezing and other circumstances. Another thing that will cause your claim to be denied is pre-existing damage and known defects on the appliance or system. The company will not repair cosmetic damage or perform regular maintenance.
If your appliance or system fails again even after it was repaired, you can call Total Home Protection and they will repair it or replace it again at no extra charge and without demanding the trade service call fee, provided the previous claim was made in the previous 30 days (for labor costs) or 90 days (for parts).
You also need to bear in mind that the trade service call fee has to be paid every time you file a claim, i.e. every time you contact the company requesting service. It doesn’t matter if your claim ends up being denied or accepted. You still have to pay. This is why it is so important to read Terms and Conditions in your home warranty contract very carefully and to make sure to call only if you are certain your breakdown is covered and not excluded. Fortunately, the Terms and Conditions page is very detailed so you should have no problems determining whether your claim is justified or not.
Finally, as it is often the case with home warranties, your actual coverage term doesn’t start the moment you sign the contract – it actually starts 30 days later and lasts for 365 days from that date. Any malfunction that happens within that 30-day period will, logically, not be covered.
Pros & Cons
- Around the clock customer service
- Trade service call fee only $45
- Comprehensive and affordable plans
- Free transfer of contracts
- Many exceptions from coverage
- Obligatory deductible even for denied claims