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Elite Home Warranty

4.4 Stars
Updated: April 25, 2023
By: Jeff Smith
Jeff Smith
Sr. Content Manager
As Retirement Living’s senior content manager, Jeff oversees the product and publishing of all retirement, investing, and consumer wellness content on the site. His extensive expertise in brand messaging and creating data-driven stories helps position Retirement Living as a top authority for senior content and community resources.
Sr. Content Manager
Edited By: Lauren Hamer
Lauren Hamer
Editor
Lauren is the editor for Retirement Living focused on discussing current senior-related issues, including retirement planning, consumer protection, and health and wellness. With six years of finance and career journalism experience, Lauren has edited personal finance content for Credible, Angi, Slickdeals, Jobs for the Future, and more.
Editor

Elite Home Warranty offers comprehensive home warranties that can reduce the cost of repairs for household appliances and systems. The company offers services in most states, and customers praise its technicians for fast response times and thorough service.

Elite Home Warranty Logo

Editorial Breakdown

Service Quality 4.4 Stars
Affordability 4.5 Stars
Coverage 4.6 Stars
Consumer Service 4.4 Stars

Overall Rating 4.4 Stars

Bottom Line

Elite Home Warranty provides three affordable home warranties for home systems and appliances, including customizable service fees and coverage options.

Elite Home Warranty Review

Elite Home Warranty offers three plans for home coverage, as well as a custom plan you can tailor to your needs. We added Elite Home Warranty to our best home warranty companies guide because of the lengthy list of items you can add to a warranty to customize your service. We also like that you can cancel coverage anytime and get replacements for covered items beyond repair.

Pros

  • Convenient online account management
  • Fast claims response time
  • Option to choose your own service fee
  • High per-item coverage limits

Cons>

  • Not available in all states
  • Cancelation fee

Elite Home Warranty Plans

Elite Home Warranty offers three levels of coverage, and you can customize your warranty with a variety of add-ons. The company is one of only a few companies that offers a “customize-your-own” plan to cover only what you need.

  • Plan types available: 3
  • Response time: 24 hours
  • States served: 44 states and the District of Columbia
  • Service fee: $75, but offers a “pick your own service fee” program

Plans and Coverage

  • The Elite Appliances plan covers important appliances in your home, including refrigerators, clothes washers and dryers, ovens, dishwashers, and more.
  • The Elite Systems covers important systems in your home, including air conditioning, heating, electrical, plumbing, water heater, and more.
  • The Elite Complete combines coverage to include kitchen appliances, laundry appliances, air conditioning, heating, electrical, plumbing, garage door openers, and more.
Elite Home Warranty Plans
Elite
Appliances
Elite
Systems
Elite
Complete
– Refrigerator
– Clothes washer
– Clothes dryer
– Range/oven/cooktop
– Dishwasher
– Built-in microwave oven
– Trash compactor
– Garbage disposal
– Heating
– Air conditioning
– Electrical systems
– Plumbing
– Plumbing stoppage
– Water heater
– Garage door opener
Elite Appliances and Elite Systems plus
– Doorbell
– Smoke detector
– Ceiling fans
– Limited roof leak repair

Elite Home Warranty Add-ons

The number of home equipment and systems add-ons available to customize a plan with Elite Home Warranty is impressive. You can add optional coverage for individual items listed in the categories below to any of the three primary contracts.

  • Exterior: Pool and spa, spa only, water line, sewer line, lawn sprinkler system, generator, limited roof leak repair
  • Plumbing and pumps: Septic system, plumbing fixtures, and well, sump, ejector and grinder pumps
  • Interior: Central vacuum, wine cooler, water filtration system, water softener, stand-alone freezer, free-standing ice maker, swamp cooler

  • Home electronics: TVs, computers and laptops
  • Guesthouse: Extends coverage to a guesthouse on your property

Elite Home Warranty Limits

There is a $15,000 aggregate limit ($8,000 per term for systems and $7,000 per term for appliances). Per-item caps are between $250 and $4,000, depending on the repair type. Many of the per-item limits are higher than the industry average. For example, refrigerator coverage caps out at $3,000 per term and generator coverage at $750. Roof coverage, an add-on option, maxes out at $1,000. If replacement is needed, Elite Home Warranty will offer a maximum of $1,500 toward the replacement costs instead of replacing the covered system or appliance.

As with most home warranties, Elite doesn’t cover damage relating to acts of God, structural or manufacturer defects, or natural disasters. Some exclusions are state-specific, so be sure to read through your warranty agreement to determine coverage limits.

Elite Home Warranty Availability

Elite Home Warranty is a licensed and approved home warranty service provider offering repair contracts in most states. Service terms vary depending on state laws. The company has agreements in all states except California, Florida, Illinois, Texas, Washington and Wisconsin.

Elite Home Warranty Costs

Elite Home Warranty plan costs range from $44.99 per month to $59.99 per month, depending on coverage.

All home warranties come with a per-claim service fee to diagnose the item by a licensed professional. Most service fees range from $70 to $75. You can also pick your own fee to help adjust your monthly payment for your budget. The service fee increases to $150 if you need to repair a luxury or special-grade appliance.

How to Get a Quote and File a Claim

You can get a free quote online by entering your name, phone number, and address. You can also view sample contracts and compare plans to get a feel for pricing. Costs vary by location, so you’ll need to get a quote for the most accurate pricing. Unfortunately, several of Elite’s clicking on “Get a Free Quote” buttons did not present the quote form at the time of publishing.

Elite Home Warranty has a 24/7 claims service. Call or go online to file a claim. Once received, a technician will contact you within 24 hours, slightly faster than average.

Elite Home Warranty Complaints

Customer ratings for Elite Home Warranty are mostly positive. It maintains an A+ rating with the Better Business Bureau. It has zero complaints and 4.8 out of 5 stars, a much better track record than some of its competitors. Trustpilot gives Elite Home Warranty 4.7 out of 5 stars. The only complaint has been resolved, and the company actually modified its diagnostic procedures to prevent similar issues in the future.

Other online reviews mention courteous technicians and service representatives that do not use high-pressure sales tactics during phone calls. Other customers appreciate its customizable plans and how easy it is to file a claim online.

Our Experience With Elite Home Warranty

Our experience with Elite Home Warranty was enjoyable. It’s clear that the company values transparency. The website offered all the information needed to make an informed decision, including sample contracts, service agreements, customized quotes, and coverage details. More importantly, we liked that Elite offers an affordable, customizable plan for homeowners who only want to protect certain appliances and systems without paying for unnecessary coverage elsewhere. Its per-term limits are more generous than competitors, and its service fees are reasonable considering the available coverage. However, there are no options to add chimney protection or fire sprinkler system coverage.

Elite Home Warranty FAQ

  • Does Elite Home Warranty limit the number of claims that I can file?
    There is no limit on claims during your 12-month warranty period. Elite Home Warranty places caps on how much your warranty covers per item, category and year. Caps are customary in the home warranty industry.

  • What is Elite Home Warranty’s cancellation policy?
    Elite Home Warranty customers are free to cancel their warranty at any time. You get a full refund if you cancel within 30 days from when the agreement becomes active. After this period, the company issues a prorated refund, less an 8% cancellation fee.

  • Does Elite Home Warranty depreciate covered systems and appliances if I renew over multiple years?
    Elite Home Warranty does not depreciate systems, appliances or other covered items. For example, you get the same coverage on a new refrigerator as a 10-year-old refrigerator, regardless of how often you renew your contract.

  • Will an Elite Home Warranty contract transfer to a new homeowner if I sell my house?
    Yes, the transferability of an Elite Home Warranty can make your property appealing to buyers. You also have no worries if you need to move on short notice for employment or any other reason.

  • Do I have to prove I’ve maintained a covered item for Elite Home Warranty to repair it?
    Elite Home Warranty says it does not require maintenance records to fulfill agreement terms. However, you should maintain covered items according to manufacturer instructions to extend the life span of systems and appliances.

Conclusion

Elite Home Warranty is worth considering, particularly if you want to cover home systems, appliances or electronics not typically covered by a maintenance contract. Its fast claims process, extensive add-on options, and excellent customer service make Elite Home Warranty a top choice in the industry.


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