The average homeowner will spend 1%-4% of their home’s value on repairs and maintenance every year. With the average home price at $188,900, that equates to about $1,889 – $7,556 per year.
If you’re like most people, you probably don’t have an extra $7,500 laying around for a rainy day.
What would you do if your hot water heater broke, or a pipe bursts in the middle of the night? How would you pay for the repair costs – which can be in the thousands?
If you had a Total Protect home warranty, you wouldn’t have to worry.
Home warranties, like the ones offered by Total Protect, offer you peace of mind in knowing that major repairs will be covered.
But how much coverage is offered? Let’s take a closer look at what Total Protect offers, and if their warranties are worth the investment.
What Does The Total Protect Home Warranty Cover?
Total Protect offers three tiers of plans: Appliances, Systems and Combo. The cost of those plans will vary depending on the deductible you choose ($75, $100 or $125). Here’s what each plan offers:
The appliances plan is the most affordable option, and if you choose the highest deductible, you’ll pay around $26 a month.
What does this entry-level plan cover?
- Built-in dishwasher
- Refrigerator (with built-in ice maker)
- Built-in microwave
- Wall oven
- Range exhaust hood
- Clothes washer
- Clothes dryer
- Trash compactor
While basic, this plans still covers all of the major appliances in your home.
As its name suggests, this plan covers all the major systems in your home. With the highest deductible, you can choose this plan for as little as $37 per month.
What does the Systems plan cover?
- Water heater
- Air conditioning system (maximum of 2 units)
- Ceiling fans
- Electrical system
- Heating system (maximum 2 units)
- Sump pump
- Interior gas lines
- Garbage disposal
- Plumbing lines and stoppages
- Attic fan
- Central vacuum
While a little more expensive, this comprehensive plan covers all of the major systems in your home, which can cost thousands of dollars to repair.
The combo plan gives you the best of both worlds by offering all of the coverage from the appliances and systems plans. With the highest deductible ($125), this plan can cost as little as $46 per month.
What About Claims and Service?
Total Protect offers comprehensive coverage, and you have some flexibility in the type of coverage you purchase. But what about claims and the quality of service?
Customer service representatives are available 24/7. When a covered repair or service is required, all you have to do is call the company’s toll-free number or submit a claim online.
Like most other warranty providers, the decision whether to repair or replace is solely the discretion of Total Protect.
Why Choose Total Protect?
You know that Total Protect offers comprehensive coverage for your home. You know that claims are easy to file, and that customer service is available round the clock. But maybe that’s not enough to convince you that their home warranty is worth buying. Fair enough.
Why else would you choose Total Protect?
Let’s start with their service providers. These are the people you’ll be dealing with in person to repair your systems and/or appliances. Total Protect has more than 40,000 professionals in their service providers network, all of which are:
- Verified to ensure they are licensed and insured in your state.
- Monitored and re-evaluated on a regular basis to ensure their work and customer service is up to par.
- Evaluated based on the company’s Dynamic Vendor Rating system, which rewards excellent providers for their service.
All repairs are backed by Total Protect’s 180-day guarantee. If you’re not satisfied with the service, Total Protect will make things right – at no cost to you.
Total Protect Vs Select Home Warranty
How does Total Protect compare to one of the leading companies in the home warranty industry: Select Home?
While both offer coverage for your home’s major appliances, Total Protect offers a little more. Select Home won’t cover:
- Sump pumps
- Central vacuums
- Refrigerator ice makers
- Interior gas lines
- Trash compactor
But Total Protect does. Select Home offers coverage for some of these items through optional plans, which will cost you more.
And while Select Home also offers three tiers of plans, they are not as robust as Total Protect’s offerings.
Select Home also makes it difficult to compare prices with other companies because they do not list their prices online. You must fill out a form to obtain a free quote, which means you’ll have representatives calling your home right and left.
Like Total Protect, Select Home does offer online claims, which is convenient. But they offer little information on the terms of their coverage and how their plans work. Lack of information makes it difficult to rank Select Home above Total Protect.
Is Total Protect Worth the Cost?
In our opinion, yes. Their home warranty plans are comprehensive and offer you peace of mind in knowing that your home’s major systems and/or appliances are covered if they need repairs. While there are other options out there, Total Protect is a little more transparent when it comes to plan costs and coverage terms. In fact, you can read a sample contract right online.