10 Best Home Warranty Companies - All Reviews - Total Home Protection Review

Total Home Protection Review UPDATED Sep 2020

7.9Our Rating
8.0User Rating
  • Comprehensive coverage plans
  • Affordable $45 deductible
  • One month free
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Coverage

Total Home Protection offers two home warranty plans: Gold and Platinum, plus optional coverage.

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

As it is usually the case, there are many exceptions from the coverage, even for appliances and systems that are listed as covered in your plan. The thing is that not all parts of an appliance or a system are included in the coverage and not all types of malfunctions are included either. For example, if you have an AC system included in your home warranty plan and it breaks down, it will not be covered and repaired if the malfunction is related to the filters, window units, condensate pumps and so on. Or if we are talking about a whirlpool bathtub, the heater, jets, and the bathtub shell are not included either. Therefore, you have to check your contract very carefully before filing a claim to see if the kind of malfunction you are experiencing is even covered.

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.

Customer Service

Total Home Protection has both phone and online customer service (through a customer account you are supposed to create as soon as you sign the contract), which are both available for customers’ questions and claims 24 hours per day, 7 days a week, all year round. However, don’t think that this means your claim will be considered and answered right away. The company will actually contact the contractor within two days on working days and four days on weekends and holidays. Also, they will only do so during regular working hours. There is no strict policy regarding emergency repairs, but if the company decides your breakdown does constitute an emergency, they will consider sending a contractor earlier. You can try to get a contractor earlier, but you may have to pay an additional fee.

Contractors

A wide network of pre-screened, skilled and professional contractors (technicians) is one of the best things about home warranty in general, and Total Home Protection is no exception. The contractors working for this company are highly motivated, dedicated and professional, and they have all been carefully screened before they started working for Total Home Protection. It is also important to note that the company will always try to send you a local contractor, someone from your own area, which is great not only from the point of view of time efficiency and convenience, but it also helps build trust and confidence in the technician entering your home. Total Home Protection is always looking for new contractors, which is why their network continuously growing.

Pros & Cons

Pros:

  • Around the clock customer service
  • Trade service call fee only $45
  • Comprehensive and affordable plans
  • Free transfer of contracts

Cons:

  • Many exceptions from coverage
  • Obligatory deductible even for denied claims

User Reviews

  • Submitted By Pete Papadopoulos
  • Company: Total Home Protection

    Total Home Protection seemed like a decent, reliable home warranty but sometimes you really can’t judge the book by its cover. They are very polite when they are trying to sell you a plan but once they get you hooked and after you sign their agreement, they change for the worse. The operators are not very polite when you call to get information on whatever. The only bright side to this service is the contractor they sent. The man was from my neighborhood, I had no idea he was working with Total Home, and he was very nice, professional and friendly.
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  • Submitted By Jeff Ying
  • Company: Total Home Protection

    As far as home warranties go, Total Home Protection is actually excellent. They have good customer service and their contractors are top notch, not some hacks gathered from God knows where. Their service is very modern and professional and they are generally very polite. As long as you understand exactly how home warranties work and always read your contract very carefully, you can do great with a service like this.
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  • Submitted By Matty Rose
  • Company: Total Home Protection

    What can I say about Total Home Protection…they are definitely not the worst home warranty company but they are certainly not among the best either. If there is such a thing as a “good home warranty company” anyway. The problem with this company is that they cut too many corners in every possible way. They promise a lot and then when they fail to deliver almost anything, they get angry at you for getting angry at them. They almost banned me once from their customer service for making too many “upset customer” phone calls. But let me tell you, I must have made like 10 claims and only two of them got approved. That doesn’t seem right, does it? Multiply that with the cost of the deductible and you will see just how much money I’ve lost to Total Home Protection. And my appliances still don’t work properly!
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  • Submitted By Theresa Ferguson
  • Company: Total Home Protection

    I got the Total Home protection Gold plan last year and so far I have been happy with the service. I called in once to file a claim for a broken stove and everything went down exactly like they promised. I think getting this kind of protection is a good investment.
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  • Submitted By Michael Sorrensen
  • Company: Total Home Protection

    Speaking as someone who will definitely not be renewing their home warranty plan, I still have to say there are some great sides to this service. Total Home Protection is a legit company and they are doing their best at least when it comes to the support staff over at the central. It’s not their fault the contract is full of legal stuff they can’t do anything about or change it in any way. The problem is that when they say they will cover your heating system, you can’t really take their word for granted. They will find a way to deny your claim and it will be right there in the contract so there is nothing anyone can do, no matter how hard you beg them to fix it anyway. There are just too many loopholes, which is why I decided this is not a good solution for me.
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  • Submitted By Sammy Jones
  • Company: Total Home Protection

    If you are thinking about getting Total Home Protection home warranty, hear me out first. This is a waste of money. These plans are ridiculous. They don’t cover anything. Read the terms and conditions, it says it all right there. They only cover like 40% of the parts in any given appliance. If one of those parts break, you still have to pay for the repair out of your own pocket, find your own repairman and all. What’s the point then? I have no idea. It sounded good on paper and their ads are good and designed to trick people into thinking they are on your side when they are only interested in robbing you blind with their ridiculous plans.
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  • Submitted By Lydia Bailey
  • Company: Total Home Protection

    I can honestly say Total Home Protection saved my behind more than once. I am actually on my third consecutive agreement. This is good investment that buys you peace of mind.
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  • Submitted By John Dolenc
  • Company: Total Home Protection

    Overall, Total Home Protection is a good service that I wouldn’t hesitate to recommend to anyone interested in protecting their valuable appliances. And here’s why: things break and when they do you want it to cost you as little as possible. I crunched the numbers and in my household this kind of warranty makes sense. Also, Total Home Protection has what I believe are the cheapest deductibles in the biz.
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  • Submitted By Kenneth Varese
  • Company: Total Home Protection

    Many people say that home warranties are a stupid waste of money but I have some relatives who use it and it turned out great for them because their appliances started breaking down like crazy due to old age. I got an agreement, thought, what the heck, I might give it a try, see if I can save some money since I have no idea how to repair anything by myself. Not much of a DIY person. My experience with Total Home Shield is, well, neutral. There have been some great things, like the time they fixed my fridge in a matter of a single day, and some not so great, when they denied three straight claims I made for three different appliances. My advice to anyone interested in this is to think about what appliances you want covered, carefully examine the plans they offer and read the small print!
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Total Home Protection Review
Updated : 2020-09-23
Rating : 7.9/10

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