TotalProtect Home Warranty Review | Insuring Your Home Essentials

Every day, we make decisions that help to protect our homes and properties.

We insure our vehicles, take out homeowners insurance and make sure we sign up for the warranties on our items to ensure they are safe and covered for longer.

A home protection plan allows you to protect the essentials in your home in case of malfunction or breakdown.

TotalProtect can help you out by providing a plan that is designed to cover the expense of replacing or repairing your appliances if they go wrong—a fact that is inevitable over time following the general wear and tear of everyday life.

A home warranty means you are fully prepared for whatever life throws at you, and saves you from spending massive amounts on replacing your appliances.

About Home Warranties

A home warranty acts in a similar way to taking out an insurance policy on your home or vehicle.

Most homeowners have home insurance—a requirement for many mortgages—but this is limited to scenarios such as theft or damage to your property from fire or other disasters.

Any mechanical aspects of your home, from garage doors to dryers, will not be included, meaning you will be left with the headache of sourcing a repair person and facing a hefty bill if anything goes wrong.

What Home Warranties Cover

A home warranty, on the other hand, is designed to cover these appliances, as well as heating and cooling systems, plumbing, electrical, and more.

You pay a monthly sum and are fully covered for any repairs, replacements, or breakdowns which occur during the life of the product.

In return for this regular payment, the company will provide technicians who can repair, replace, or, in rare circumstances, offer a cash substitute for any items that have malfunctioned.

How Claims Are Processed

In the event of a claim, you can contact the customer services team by phone or email, and this resource is available 24/7, even during national and public holidays.

Upon receiving this call, the handler will be able to schedule a technician to visit your home and assess the situation, as well as carry out any repairs or replacements that are needed.

With over 40,000 pre-screened technicians, this is a fast and easy way to deal with the problem quickly.

What TotalProtect Has to Offer

TotalProtect is among our top picks for home warranties.

A plan from TotalProtect is ideal for busy homeowners who do not want to be calling a technician every time something breaks down.

This takes up precious time and often proves more expensive. Instead, a single call to your provider will take care of everything for you.

You can select the items, systems, and appliances that you require cover for, and tailor your plan to suit you.

TotalProtect Plans

TotalProtect offers three plans.

These are:

Appliances Plan

This plan covers all appliances in your home, with a particular emphasis on kitchen and laundry appliances. Items covered include:

• Stoves, ranges, and ovens, including wall ovens
• Range exhaust hood
• Refrigerators
• Washers and dryers
• Dishwashers
• Built-in ice and water dispensers
• Built-in microwave
• Integrated trash compactor
• Built-in dishwasher
• Garbage disposal

Systems Plan

As the name suggests, the systems plan is designed to cover all critical systems within your home, such as:

• Heating and air conditioning systems
• Gas and electrical systems
• Interior plumbing
• Water heaters
• Toilets
• Plumbing lines
• Plumbing stoppages
• Sump pump
• Whirlpool bath
• Central vacuum
• All doorbells and chimes
• Garage door opener
• Smoke detectors
• Interior electrical lines
• Interior gas lines
• Attic or whole house exhaust fan

Combo Plan

The combo plan allows you to pick and choose the elements of the systems and appliances plans, to create the perfect combination for your needs and requirements.

It also comes with additional benefits, including:

• Homeowners insurance discounts
• Unknown pre-existing condition coverage
• No inspections are required before taking out the policy
• Coverage for rust and corrosion
• No annual aggregate caps
• Coverage for your pool or spa

Exclusions

As with any policy, there are certain exceptions and exclusions which cannot be claimed.

Unlike some of their competitors, TotalProtect will cover a pre-existing condition which you were previously unaware of.

That means you will not be abandoned without support if one of your systems or appliances suddenly develops a fault.

There is typically a price cap of around $1,500-3,000 per item, which may leave some homeowners out of pocket if they have invested in a particularly pricey product.

Alternatives

In Conclusion: TotalProtect Home Warranty Review

A home warranty plan is an ideal way for busy and time-poor homeowners to ensure that every aspect of their home, systems, and appliances is fully covered.

It offers an affordable way to repair and replace any aspects that begin to malfunction and has the bonus of coming with a team of qualified technicians who can diagnose and address the problem in no time.

The option of low monthly repayments is also an appealing alternative to the cost of a new air conditioning system or refrigerator.

As with any policy or warranty, it is crucial to read the small print and be confident that you have all of the facts and information you need to make an informed decision. It is particularly important to consider the exclusions to the policy.

Make sure that this information is available to you at the start of the process to reduce the risk of any unpleasant surprises when you come to make a claim.

If you are looking for a convenient solution to take care of your appliances and home systems, a home protection warranty could be precisely what you need.

How We Review Home Warranty Companies: 

Good Financial Cents evaluates home warranty companies by examining coverage breadth, responsiveness, and the reliability of claims processes. Our goal is to offer homeowners a balanced and informative perspective. Editorial transparency is a consistent focus in our reviews.

We actively gather information from home warranty companies, reviewing the specifics of coverage plans and service agreements. This data, paired with our research and customer feedback, informs our evaluation process. Companies are then rated based on their performance, leading to a star rating from one to five.

For further insight into the criteria we use to rate home warranty companies and our evaluation approach, please refer to our editorial guidelines and full disclaimer.