Article by Chris Costi, Last update at July 19, 2020
Total Home Protection was established in Philadelphia, in 2016, and currently operates in 45 states, including Texas, Arizona, and Colorado. They do not operate in California, Iowa, Nevada, New York and Washington. Total Home Protection is a company that offers home appliance insurance or warranties and home service contracts. They offer cover for everyday appliances and other services that you can elect to have covered for breakages, due to normal wear and tear. Total Home Protection offers protection from costly unforeseen repair bills on major appliances and home systems with their comprehensive coverage plans and optional extras. Their 24/7 hot line offers emergency services in most states with pre-screened, qualified service contractors available locally. Covered items are either repaired or replaced depending on the coverage you choose, and the discretion of the company. Total Home Protection offers highly rated home protection services with most online reviews showing positive results. In 2019, they were nominated for home warranty insurance awards and won a medal in the Best Summary Rating category. Their policies are reasonably priced, on a quotation basis, and all exclusions and caps are clearly laid out and easy to understand.
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Total Home Protection offers tailor-made warranty plans to fit every homeowner’s budget. Service agreements will cover repair or replacements of covered items, regardless of age, make or model. It is wise to read the contract for limitations and specifics on each item covered. Coverage is not available in all States and Total Home Protection reserves the right to repair or replace any system or appliance covered.
The Gold package covers plumbing systems, water heater, whirlpool, electrical system, oven range, cooktop, dishwasher, garbage disposal, trash compactor, ductwork, garage door opener as well as ceiling and exhaust fans.
The Platinum also covers air conditioning and heating system up to 2 units, refrigerator, laundry appliances and sump pump. For both plan you will need to get a quote and the cost will depend on which items you want covered. The average price for basic coverage, is $399 per year. Optional extras include pool and spa, roof leaks, central vacuum systems, septic systems, standalone freezer, water softener, ice makers and additional air conditioning and heating systems. Premium payments can be paid annually or monthly and the company offers one month free upon enrollment.
Regular promotions are available with discounts and special offers. Service call fee is $75 per call out and cancellation with refund is possible within 30 days, as long as there is no claim.
With a home warranty service contract from Total Home Protection you are guaranteed to have a qualified and pre-screened technician to attend to breakages. The company chooses local contractors that are trustworthy and licensed. Many real estate professionals use Total Home Protection to set their listings apart for potential buyers. This helps reduce the risk of home repairs before and after a property sale and offers peace of mind for the buyer.
The company is easy to reach online or through their toll free number at any time and in most states, they promise a speedy resolution to your claim. Note that most services are capped with a maximum amount per claim and maintenance and cleaning are not included in the coverage plan. It is also worth noting that you will be charged $75 for every call out. Coverage is effective after 30 days and policies are renewed automatically.
Total Home Protection is a fast growing company that has gained a positive reputation in the home warranty market. They do not advertise prices online and you need to get a quote on your preferred coverage. Prices are said to be reasonable, and their coverage limits are within industry standards. All warranties can be personalized and you can decide what you want to cover.
This can include electrical, plumbing, air conditioning and heating systems. For appliances, all mechanical parts and components crucial to operation are covered, but not doors, knobs, racks, trays or handles. Optional items that can be added to any Total Home Warranty plan, include pool and spa equipment, central vacuum, well pump, septic system, sump pump, water softener, and more.
The purpose of home warranty insurance is to protect you from the high cost of repairing or replacing major home appliances and systems. Cover offered by Total Home Protection covers items due to normal wear and tear, regardless of how old the items are. A toll free number is available 24/7 and the customer service center is equipped to process your claim efficiently. Local vetted contractors in all fields are ready to address any problem that might arise with covered appliances and home services. You can also file an online claim through the Total Home Protection website. It is worth noting that the company expects claims to be submitted within one day of malfunction.
Estate agents use Total Home Protection warranties as an incentive for potential buyers. Having a service contract in place offers an extra bonus for property buyers who are concerned about the condition of the built in appliances of a prospective home they want to purchase. Estate agents have access to marketing tools and promotional materials which they can download for easy access. Contracts are transferrable to new owners at no extra charge. The Platinum plan offered, covers most appliances and plumbing, air conditioning and heating systems. Optional extras include pool and spa as well as septic system and limited roof warranty. Not covered are filters, condenser casings, registers, water towers, humidifiers, chillers, air cleaners, mini split and non-ducted wall units. There are a lot of items that are not included in the cover and it is best to read the fine print so you know what to expect. Parts are covered for 90 days and labor for 30 days from time of service.
Depending on the cover you have, leaks and breaks due to water, drain, gas and waste is covered except in the case of frozen roots. Builders grade replacements are offered for sanitary ware and in the case of electrical issues caused by inadequate wiring or circuit overload, power failure, surge and corrosion are not covered. Claims for drain and sewerage blockages are limited to $500 per claim and the cover is limited to the repair of walls and ceilings to rough finish. Underground plumbing and pipes on the outside perimeter of the house foundation are not covered. All home warranty coverage depends on the plan you purchase and the options you choose. With so many appliances and possible system breakages in a home it is difficult to decide what needs to be covered. Most companies, offering this type of coverage, have limits and exclusions that need to be taken into consideration in order for you to make the best decision for your circumstances.