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Cross Country Home Services

4.15 Stars (4 Reviews)
Updated: January 19, 2023
By: Jonathan Trout
Jonathan Trout
Content Manager
Jonathan is a former product and content manager for Retirement Living. His background spans sales/marketing, finance, and telecommunications. Jonathan’s expertise in consumer wellness and research-backed data stories helped educate seniors on financial planning, retirement, and community resources. Jonathan graduated from Oklahoma State University with a B.S. in Environmental Sociology.
Content Manager
Edited By: Lauren Hamer
Lauren Hamer
Sr. Editor
Bringing more than a decade of editorial experience to Retirement Living, Lauren focuses on reporting senior-related issues, including retirement planning, finance, consumer protection, and health and wellness. Lauren has edited consumer content for Credible, Angi, Slickdeals, Jobs for the Future, and more.
Sr. Editor

Cross Country Home Services offers a variety of homeowner services including TotalProtect Home Warranty plans and smart home products and support. TotalProtect Home Warranty plans through Cross Country Home Services help consumers to be prepared financially when a home appliance or system breaks down. The company works with a network of 40,000 skilled technicians to provide warranty repairs.

Editorial Breakdown

Service Quality 4.5 Stars
Affordability 4 Stars
Coverage Area 4.8 Stars
Customer Service 3.5 Stars

Overall Rating 4.2 Stars

Bottom Line

Cross Country Home Services offers a variety of home warranty and repair and maintenance services. The company underwrites TotalProtect home warranties, which come with a 180-day workmanship guarantee.

Cross Country Home Services Review

Cross Country Home Services (CCHS) offers a variety of home warranties and repair and maintenance contracts to consumers. The company also sells the Service Response Platform to provide household maintenance alerts through smart home service providers. The company is ranked among the Inc. 5000 with an 86 percent growth over the past five years and won awards for customer service. The U.S.-based company opened for business in 1978 and currently operates two service centers to assist customers 24 hours a day, every day of the year.


  • Service centers located in the U.S.
  • Customer service available 24/7 every day of the year
  • Licensed and insured service contractors
  • Sample contract available for review online


  • Arbitration clause required
  • Deductibles slightly higher than other home warranties

Cross Country Home Services Home Warranty Features

Cross Country Home Services, better known as CCHS, offers three TotalProtect home warranty service plans, each with options for customizing coverage to provide the best service level for the homeowner. All home warranty plans come with Cross Country Home Services’ Workmanship Guarantee, which guarantees repairs for 180 days. The Appliances Plan, Systems Plan, and Combo Plan each include:

  • Coverage for unknown pre-existing conditions
  • Limited rust and corrosion coverage
  • No inspection required to qualify
  • Add spa and pool coverage within 30 days of plan purchase

Cross Country Home Services does not cap the total annual coverage payout, but there are limits on some items depending on the plan. Understand the difference between home warranties and insurance and read the entire contract to know how CCHS covers repairs. Like most home warranty companies, an arbitration clause in TotalProtect service contracts requires dispute resolution via binding arbitration, which limits the consumer’s ability to sue or join a class-action lawsuit.

  • CCHS Appliances Plan: The Cross Country Home Services TotalProtect Appliances Plan covers a refrigerator, cooktop or range and exhaust hood, wall ovens, clothes washer and dryer and built-in microwaves, dishwashers, and trash compactors. It’s worth noting the TotalProtect Appliances Plan covers refrigerators with built-in water dispensers and ice makers since many home warranties charge extra to add this coverage.

  • Systems Plan Home Warranty: The TotalProtect Systems Plan from Cross Country Home Services is designed to cover the core home systems, such as up to two furnaces and air conditioners and garbage disposal. Covered plumbing systems include a water heater, plumbing stoppages, plumbing lines, sump pump, whirlpool bath and toilets. Electrical and gas utility systems coverage includes interior gas and electric lines, an attic or whole-house fan, main breaker or fuse box, garage door opener, central vacuum, doorbells, and wired smoke detectors.

    Due to the complexity of plumbing systems, TotalProtect Systems Plans exclude coverage on some types of stoppages, which is spelled out in the contract and is standard for home warranties. The Systems Plan provides limited refrigerant replacement and covers repairs on two air conditioners, which are usually add-ons to other home warranties.

  • Combo Plan Comprehensive Home Warranty: TotalProtect Combo plan is the highest-coverage home warranty Cross Country Home Services offers. This plan combines the Systems and Appliances plans with homeowners insurance deductible reimbursement. The TotalProtect Combo Plan pays you up to $500 annually if you make a homeowner’s insurance claim and pay a deductible. Some restrictions apply.

Cross Country Home Services Warranty Costs and Deals

The cost for a TotalProtect home warranty from Cross Country Home Services varies slightly by region because of fluctuating repair costs across the country and state regulations for home warranties. You pay a $125 deductible, known as a service fee, for each repair. However, if an appliance or system needs a duplicate repair within six months after the initial repair, you won’t pay the deductible again.

  • Appliances Plan: $35.95
  • Systems Plan: $42.95
  • Combo Plan: $54.95

TotalProtect does not run promotions year-round. Unless otherwise specified, promotions can’t be combined with other offers, and are not valid in AZ, IA, MA or WA.

CCHS TotalProtect Home Warranty Deals
Promotion How to Qualify
$100 Off Combo Plans If you don’t get this offer by email or on the website, call to sign up for a Combo Plan by phone. Ask for the $100 off promo and pay the annual premium in full.
First Month Free This offer is usually presented via email or on the website and entitles you to one free month on your home warranty.
$50 Gift Card This promotion runs at various times throughout the year, either on the website or in an email. Gift card is from your choice of over 50 retailers.
Nest Protect Smoke + CO Alarm This offer applies to the Combo Plan when you purchase a Nest Protect Smoke + CO Alarm through TotalProtect.

Shopping for a Cross Country Home Services Home Warranty Online

Consumers can use Cross Country Home Services’ website to determine the home warranty they want and to add optional services to the contract. TotalProtect Home Warranty makes access to contracts obvious so you can read the details before deciding if a home warranty is right for you. Each plan’s coverage and exclusions are broken down into simple language on the plan comparison page. Enter your ZIP code and email address to see a quote immediately. If you want to buy a plan, you can sign up on the spot. An advantage to requesting a quote is that you may receive promotional deals via email within a few days.

Cross Country Home Services Contractors

Over 40,000 prequalified service contractors work with CCHS to provide home warranty repairs. Cross Country Home Services Network Managers routinely visit contractors to review customer feedback and discuss ways to improve service. CCHS service contractors must fulfill a rigorous set of requirements:

  • Be fully licensed in their trade
  • Carry at least $1 million in general liability and $500,000 in vehicle liability insurance
  • Maintain Workers’ Compensation insurance
  • Be willing to be graded by TotalProtect Dynamic Vendor Rating Systems with rewards for quality work

Cross Country Home Services Complaints

cross country home services screenshot

Nevada. Source: Cross Country Home Services

ConsumerAffairs accredits Cross Country Home Services with a 3.25 out of 5-star rating. Complaints typically revolve around homeowners not reading plan coverage terms and conditions, which frequently happens across the industry. CCHS is very responsive to complaints, and most have resolutions in progress. Positive reviews note the company’s quick response to repairs and the ease of filing claims. We found average-to-high consumer ratings on other sites, with 3.5 to 4.5 out of 5 stars across multiple review sites.

Reviews on Yelp give CCHS an average 1 star out of 5, but many poor reviews are from customers who were dissatisfied when the company would not pay for items not covered under the service contract, or by the service fee for each repair. It is vital to read the contracts made readily available by Cross Country Home Services and ask questions to understand how home warranties work.

Cross Country Home Services Q&A

  • Can I use my preferred contractor for repairs serviced by a Cross Country Home Services home warranty?
    Because CCHS vets each contractor in their extensive nationwide network, you can’t select who makes warranty repairs. CCHS takes recommendations for service providers and will contact your preferred contractor to discuss working together.

  • When can I expect service after filing a claim with Cross Country Home Services TotalProtect home warranty?
    CCHS usually provides a referral to a network contractor within two hours of receiving claims during regular business hours and within 24 hours on weekends and after hours. You schedule an appointment with the referred repair company. Given CCHS standards for contractors, you should have your repair done promptly.

  • Does Cross Country Home Services require an inspection for coverage?
    Unless your home is significantly older, there is no inspection requirement for coverage under a CCHS home warranty.

  • Do home warranties from Cross Country Home Services cover normal wear and tear?
    Yes, TotalProtect plans cover mechanical failure due to ordinary wear and tear.

  • How long are Cross Country Home Services home warranty contracts?
    TotalProtect home warranty plans from CCHS renew annually. Renewals are automatic unless the customer cancels.

  • How soon does coverage start after I buy a Cross Country Home Services home warranty?
    Cross Country Home Services warranty plans have a standard 30-day waiting period after purchase.


Cross Country Home Services TotalProtect home warranties are designed to pick up where homeowners insurance leaves off. Average annual home repair costs are around 1 percent of property value, which can quickly drain savings. CCHS eases budgeting for repairs with a flat monthly fee for a year of service. A home warranty repair plan can be a solution to ensure your home remains in good condition at a minimal cost.

4 Cross Country Home Services Reviews

Write Review
1 Star

June 14 2022 5:35PM

We have a water softener system that needed service. The Customer Representative told the company serviced it but couldn’t find a company in my area for service. He told me to get an estimate from that company that serviced the unit in my area and send it in to Cross Country.

So I got the estimate BUT the other Customer service representatives have no idea what to do or where to send the estimate and a supervisor is Not available to discuss my situation with.

I wish I was able to speak with the first customer service representative that gave me direction on what to do. The others seem to have NO idea what they’re doing!

I hate to do it but I’m strongly considering ending my warranty plan and look for a different one. What’s the point of keeping it if you can’t get the assistance you need.

Sandra B.
Osteen, FL
1 Star

August 12 2021 2:39PM

I have waited over four month for repairs on my central A/C's! Hottest summer in Texas recorded history. Called, spoke to several representatives and two contractors came out and said it’s a Major Leak and have NOT fixed nor replaced.

The companies that came to my property are Handyman Arlington Texas and EMS Austin Texas (Rep. in Dallas Texas), I spoke with case manager Jacob this morning that’s reviewing but have me on hold.

I have requested the CEO/ President name and number they have refused to provide to me. I have requested the law firm that represents this company but they refuse to provide to me. I have worked 27 years for Department Of Defense both Army and Navy honorably.

I’m Disabled with Medical conditions and my house is 99-100 degrees. I have others Disabled in my household. I’m getting the run around and need immediately help today. I almost feel like I’m getting treated disparately.

If you can help advocate for me and my family it’s appreciated. I was told by EMS it’s going to cost around $3,000 dollars and they cannot fix till CINCH pay their company in advance to get parts, etc. I’m told that can take 3 weeks. This is absolutely not fair and not American.

Angela L.
Grand Prairie, TX
1 Star

August 17 2020 4:28PM

I have been waiting nearly 3 weeks for my air conditioner to be repaired, which experienced an electrical fire, and while California is experiencing their longest heat wave in history, and still no repair made and no expected date of repair.

This is a health and safety issue and completely unacceptable.

Shelly A.
Clayton, CA
1 Star

August 02 2019 5:03PM

I have waited over one month for repairs on my two central A/C's! Hottest July in recorded history. Called, spoke to two case managers, one of which read the clause about service delays to me on the phone, typed while I spoke and spoke to others while I was speaking. Do not recommend.

Bernard B.
Dracut, MA