Sears Home Warranty
Caption: Sears Home Warranty

Sears Home Warranty Review

The National Association of Certified Home Inspectors appliance and home systems life expectancy charts list many appliances and home systems that can last a decade. The length of time these expensive items keep running well depends on use and maintenance. Home warranties cover the repair and replacement of systems likes air conditioning, plumbing, heating, electrical systems and others. As we explain in our Home Warranty Guide, these warranties do not replace homeowner’s insurance but protect you from sizable unexpected expenses.

Your home is probably your most valuable investment. Sears Home Warranty (underwritten by Cross Country Home Services) offers three types of home warranty plans to protect that investment. The Appliance Warranty plan covers up to 20 major appliances no matter their age, make, or model. Sears Home Warranty guarantees that if they cannot fix your appliance, they will replace it for you. The next level of coverage is the Systems Warranty plan which includes heating and air conditioning, plumbing, water heater, electrical system and more. Finally, the Whole House Warranty covers everything in both the Appliance Warranty and Systems Warranty. In addition to these three base plans, Sears Home Warranty can customize your coverage to meet your exact needs with add-on options.

Because Sears Home Warranty is part of the Sears brand that has been in business since 1886, they offer many benefits that other home warranty companies do not. For example, at no charge to you, Sears gives you two preventative maintenance checks on your heating and cooling systems each year. In addition to your warranty benefits, your plan includes membership in Shop Your Way, a promotional program for earning discounts at Sears, Kmart, and other retailers. With this membership, you receive free two-day shipping on many items that you can purchase.

While Sears Home Warranty plans are slightly more expensive than many other home warranty plans, they carry the trusted name of a long-established company along with a solid workmanship guarantee. Their value-packed packages are designed to give you peace of mind with generous coverage limits.

  • 180-day workmanship guarantee
  • Protection for more than 20 major appliances and systems
  • 24/7 support and customer service
  • Generous coverage cap of $10,000 per claim
  • Generous annual claim limit of $50,000
  • Two free yearly preventative maintenance checks (heating and cooling systems)
  • More expensive than most other home warranty plans
  • Limited time in the home warranty business

Sears Home Warranty Plans And Packages

A home warranty from Sears is one of the most expensive plans on the market, running $10 to $20 more a month than most of their competitors. However, when you choose a Sears Home Warranty package, you can expect a broad range of coverage, plus some extras other home warranty companies don’t offer.

Sears Appliance Warranty covers up to 20 appliances no matter their age, make, or model, including washing machine, clothes dryer, refrigerator, range, oven, dishwasher, microwave and trash compactor. Sears Home Warranty guarantees that if it cannot fix your appliance, it will replace it for you. You pay a service fee (or deductible) of $75 per visit with the appliance package and $50 per month for the warranty itself.

Sears System Warranty covers central heating and air conditioning, ductwork, plumbing, electrical, and other systems. You pay a service fee (or deductible) of $100 per visit with the systems warranty. This plan does not cover appliances but does offer a 25 percent discount on appliance repairs.

Sears Whole House Warranty provides the most comprehensive coverage and includes everything in both the Appliance Warranty and the Systems Warranty. This plan runs $70 per month, with a service fee of $100 per visit.

Sears Home Warranty Plans
Appliances Covered Whole House Plan Appliances Plan Systems Plan
Washer and Dryer
Refrigerator/Ice Maker
Exhaust Fan
Built-In Dishwasher and Microwave
Built-in Trash Compactor
Central Heating and Air
Garbage Disposal
Plumbing Systems and Stoppages
Water Heater
Water Softener
Ceiling Fans
Electrical System
Garage Door Opener
Pre-existing Conditions
How It Works
Deductible (fee per service) $100 $75 $100
Cap Per Claim $10,000 $10,000 $10,000
Annual Cap $50,000 $50,000 $50,000
Service Request Limit None None None
Service Guarantee 180 Days 180 Days 180 Days
Hold on Claims 30 Days 30 Days 30 Days

With all three plans, there is a limit of $10,000 per claim and an annual limit of $50,000. There is no limit on the number of service requests you can make each year. Pre-screened, local service agents perform the inspections and work with a 180-day guarantee.

Cost-saving perks with each package include earning 15 percent back in points through the Shop Your Way program, 25 percent discounts on qualified repairs, and up to four $9.99 oil changes and four free tire rotations per year at a Sears Auto Center. Each oil change includes up to five quarts of Valvoline premium conventional oil and a $3.49 oil filter.

Besides these three base plans, Sears Home Warranty can extend your coverage to additional items such as pool and spa heaters, septic tank, sump pump, well, or standalone freezer. There is no cancellation fee, and you are only required to sign a one-year contract.

Sears Appliance Replacement

Sears Screenshot – Avg. Appliance Replacement Cost

How To Purchase A Sears Home Warranty

If you are interested in a Sears Home Warranty plan, you can start by requesting a free quote online. You can also call Sears for a quote or choose their web-based chat feature to communicate with an online sales representative.

What Consumers Say About Sears Home Warranty

While Sears has been in business for more than 130 years and is well-established in the service and repair industry, they have only been offering home warranty services since 2014. For this reason, customer reviews are scarce. Sears emphasizes trust and dependability, and for the most part, consumers don’t take exception to these claims.

Sears Holding Corporation, the parent company, has an A rating on Better Business Bureau with an accreditation since 1926. Their composite score is 3.47 out five stars base on 1,057 customer reviews.

Sears Home Warranty Q&A

  • Does a Sears Home Warranty cover older appliances?
    Yes, Sears promises to repair or replace your covered appliances no matter their age, make, or model. However, it is essential to carefully read the terms, conditions, and limitations in your sample contract after you request a quote. Covered items must be in good working condition at the time your contract begins. Non-covered charges may apply to specific repairs and replacements, and coverage may vary by state.

  • How does the replacement option work?
    If, during a service call, the covered item is determined not to be repairable or too expensive to repair, Sears may elect to replace the item with a new one of like kind.

  • What is the Shop Your Way program?
    One perk of a Sears Home Warranty is free membership in the Shop Your Way program, a promotional rewards program offered by Sears Holdings Management Corporation. You will receive rewards for buying products and services through the Shop Your Way website. As a Sears Home Warranty customer, you’ll earn an additional 15 percent back in Shop Your Way points on all eligible purchases at Sears, Kmart, Lands’ End, and other stores. Also, when you enroll in Shop Your Way, you’ll also receive free two-day shipping on many items.

  • Can I upgrade my Sears protection agreement to a Sears Home Warranty Plan?
    If you purchased a home appliance or other merchandise with a Sears Purchase Protect plan, that agreement cannot transfer to a Sears Home Warranty.

  • How do the preventative maintenance checks work?
    Your Sears Home Warranty entitles you to two preventive maintenance checks each year, one for your heating system in the fall and one for your air conditioning system in the spring.


Sears, a company that is well-established in the service and repair industry, has been offering home warranty plans since 2014. Their warranty packages are a good value at a slightly higher price compared to the competition. Given their level of benefits, long-standing reputation, and trusted name, Sears Home Warranty is a good choice if you’re looking for a value-packed package with high coverage limits and a workmanship guarantee.

Sears Home Warranty Reviews

Recent Reviews

Featured Review
April 24 2018 2:31PM

Sears Home Services is NOT a service provider. It is an insurance policy that makes a phone call to an authorized provider and charges you $75 as your co-pay. We paid $39.99 for 7 months before we made our first service claim. Our microwave oven repair was scheduled for an appointment in 10 days (ridiculous). They called on the 10th day to reschedule 13 days later! Then on the day of that appointment, they scheduled for 14 days later!!! A total of 37 days after my call for service and there was no guarantee they would come then. When I canceled all they would refund was 1 month of service. Dont waste your time and money.

Allen W.
November 16 2020 7:43PM

Had air conditioning that went out and they would not cover the replacement. Had all kinds of excuses why they would not cover. Went back and forth including having the technician state that the unit needed to be replaced. They never contacted the tech.

They made up a story that the unit was not working months prior which was the opposite of what the tech saw when the unit was still functioning but not at where it should have been.

So you get insurance. Something breaks within a few months and they will deny your claim that your issue was prior to the insurance being established.

We ended up spending our own money for new system and tried to cancel the Sears Insurance and they told us we could not until a year goes by because we put in a claim. A claim that we never received a penny from.

Jerry C.
Valencia, CA
November 10 2020 3:12PM

I have paid $100 a month for whole house plus $75 per service, more than all other companies and the service is ridiculous. I had an air conditioner repair in August and it took almost 3 weeks just to get scheduled.

I have one of the Sears brand (Kenmore) microwaves and it started causing my fuse panel to flip. Called the warranty and they came Oct 9, immediately said, "Oh that has been a problem with those microwaves, we have to order parts."

Fast forward to today and 2 of the 4 parts are in.
One is claiming to be shipping on the 23 of Nov and the other is on backorder with no date in sight. I called and asked how long you have to wait on a repair before it is replaced and they had not answer.

WTH, listen just give me my money back and cancel my contract so I can get someone else to repair or replace my microwave. We are switching to Choice Home Warranty, sears is the absolute worse!

Charlene F.
Fayetteville, NC
November 09 2020 7:48AM

This is the worst plan ever! I have been trying to get my fridge fixed since June!! It is now NOVEMBER! Zero end in sight! No one will tell me why someone is not coming out to fix it. All I get when I call is "It's processing. Parts are ordered!!" Are you kidding me??

I have 5 children and have had NO fridge for going on 6 months now! My furnace went out, I call to file a claim (figuring I'll have to go the winter with no heat). They tell me I can't file a claim. My account was canceled.

Well they sure took their money from my account! If it's canceled I want that back! I was on hold or transferred to different ppl for over 2 hours just to get hung up on! I'm going to report them to BBB!!! They're horrible!

Kristi E.
Salem, OR
October 25 2020 7:51PM

Called about leaking water heater, told tech will repair in 3 days. Comes and says, "We don't repair. I'll submit for replacement to "company"." He takes pics and leaves, sends $165 bill from truck with 0 balance.

Two days later, lady calls and says take a payout and find a wh and get it installed. Check, after we sign papers coming in 3 days, will be mailed in 3 weeks. So about a month without hot water.

They don't care what it costs. You're getting $950. Live with it. My quote was $1100 for next day install. Sears Co. said too bad for difference, I paid to do it for family. Now we wait and maybe will see a check eventually! Sears is now dead to me.

E G.
Miami, FL
October 22 2020 2:29PM

My first service call for my microwave was early August after two reschedules. At that time, parts were ordered. The parts arrived and the second technician stated that they were the incorrect parts. The "correct" part was ordered on August 27th and has not arrived.

I was told that they are having difficulty finding the part. I identified the part and found that I can have it shipped in three days but was told that Sears can't install a part that I order.

They scheduled a technician for today to relook at the microwave but rescheduled the appointment for two weeks at 8:00 this morning. I have spent at least 10 hours on the phone being transferred from department to department.

They have cancelled or rescheduled my appointments 6 times so if you have a life beyond waiting for Sears....don't get this plan.

Joan M.
Mount Laurel, NJ
October 16 2020 1:08AM

Do not get "Sears Home Warranty." I have been with them for over 3 years, my a/c went out and they said I am "not" Covered, what! Been paying for 3 years, I was pissed, so I wanted them to cancel my account and then they said I will have to pay $299. To cancel!

Can you believe that, what a rip off! I told them that Home Shield charges the same price I have been paying sears and includes a/c and more! I am so gone! By rip off sears! No wonder they are going out of business!

Roland G.
New Braunfels, TX
October 15 2020 5:07PM

Horrrrrrible customer service. As I read other reviews. It looks like that how they do business. Just ripping people off. Nice scam. They don't do nothing for months so the customer can get frustrated and just give up. Meaning you paid for a service you're just never going to get.

I'm going on 4 months and same issue with them not taking care of the issue. They give me fake email addresses so I can't complain to corporate. I went on their website. Also no way to contact them or call.

Just robbing people of their money. If someone has a contact number to get a hold of corporate please submit it please.

Edwin O.
October 10 2020 8:58AM

Purchased warranty when we moved to new house in May. In sept had issue with Sears pro French door refrigerator (not cooling). Called. Gave us an appt for 30 days out (no joke).

On day of appt they called to say serviceman called in sick - they would reschedule! They didn’t call back. They didn’t return service fee! I did call local repair person. Would not recommend. Make a complaint to BBB.

Kay H.
Charleston, WV
October 07 2020 7:20PM

Where to start? I had an appointment for dishwasher repair. The parts were to be shipped ahead of time. Apparently, they were on back order and 2 weeks later, when the technician did not show up, I reached out.

I was told the parts were on back order without any estimation of when they would be received. I spoke with 6 different individuals because their communication system is so poor I kept getting disconnected.

I could not get a straight answer regarding when the parts were expected and what options were available if the parts were not delivered within 3 weeks. They seem to be avoiding answering the question directly. Now shopping for dishwashers and will cancel my contract.

Pamela C.
Bradenton, FL
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