- TotalProtect cooperates with 40,000 pre-screened service technicians located nationwide.
- There are three different warranty plans which you can carefully check online to discover which one would be the best for you.
- A sample contract is available online, so you can get a better idea of how they work.
- All three warranty plans cover unknown pre-existing conditions and rust and corrosion damage.
- After a repair or replacement has been done in your home, you get a 180-day workmanship guarantee in case it breaks down again.
The Appliances Plan covers refrigerators with built-in water and ice dispensers, cooktops/ranges, wall ovens, built-in microwaves, range exhaust hoods, built-in trash compactors, built-in dishwashers, clothes washers, and clothes dryers.
The Systems Plan covers garbage disposals, two air conditioning units and two heating units, water heaters, toilets, plumbing lines and stoppages, sump pumps, whirlpool baths, exhaust fans for the attic and/or whole house, central vacuums, doorbells, smoke detectors, garage door openers, main breakers/fuse panel boxes, interior electrical lines, and interior gas lines.
The Combo Plan covers everything listed under the Appliances and Systems plans.
All three systems come with optional coverage for pool and spa, and the Combo Plan comes with a homeowners insurance deductible reimbursement of $500.
Pricing depends on your area, so TotalProtect offers a tool for getting your free quote on their website.
What sets TotalProtect apart from other home warranty companies is that their plans include unknown pre-existing conditions coverage, as well as rust and corrosion damage coverage. There are no annual aggregate caps and inspections are not required.
Terms and Conditions
According to the TotalProtect sample contract which is available online, this home warranty company offers to repair or replace any covered item with a mechanical failure. The sample contract also provides detailed descriptions of all the covered components. However, this sample is exactly that – a sample – and it may be seriously different from the one you could be offered for your household. However, reading this sample contract will give you insight into the services TotalProtect provides and which limitations you could face if you sign up for one of their warranty plans. The sample contract also includes information about cancellation and a list of appliances that can be added to your plan by paying additional fees.
TotalProtect doesn’t cover any damage caused by fungus, mold, natural disasters or improper use and installation. Just like many other home warranty company, TotalProtects doesn’t cover the appliances and systems that are already covered by the manufacturer’s warranty or any other kind of insurance or guarantee. In these cases, TotalProtect defines previously mentioned warranties as primary and the company maintains the right not to cover any repairs or a replacement.
In order to be covered, all the appliances and systems must be in “proper operating condition” on the date the contract is signed. If a malfunction occurs because of pre-existing condition, TotalProtect will cover it only if the pre-existing condition was not detected during a visual inspection or a simple mechanical test.
It goes without saying that you should read the terms and conditions from top to bottom because there could be conditions that could end up leaving you uncovered. For example, TotalProtect initially claims that they cover all damage caused by rust and corrosion. But when you read the examples of items and conditions that aren’t covered, you’ll find out that your central heating system isn’t covered if the water flow restriction was caused by rust. The same goes for kitchen and laundry appliances, as well as your plumbing system.
The rate of your deductible is also important when it comes to the price of warranty plan. A deductible is the price you have to pay the contractor to repair or replace something. The higher the deductible, the lower the monthly rates for your home warranty plan. You can choose between three options for your deductible. You can opt for the $125, $100 or $75 deductalbe.
If you decide to cancel your warranty plan before filing any claims, the whole amount of the paid contract fees will be refunded. You can cancel your plan within 30 days of the effective date of your contract. If you decide to cancel within that time period but have made a claim, or anytime after this period, you can get a partial refund. In this case, there is a $25 cancellation fee.
Claims can be made 24/7 through a customer service phone line, e-mail, or through a claim form on the website. Once you file the claim and receive a confirmation, a local contractor will most likely resolve your issue within 24 hours.
In addition to the 24/7 online and phone customer service, TotalProtect provides a comprehensive FAQ section.
Thanks to the impressive number of contractors, chances are your claim will be taken care of in no time, regardless of your location.
Pros & Cons
- Over 40.000 pre-screened contractors all over the US
- Unknown pre-existing conditions coverage
- 180-day workmanship guarantee
- 24/7 available customer service
- A lot of exclusions and limitations