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.
July 10 2020 5:57PM

I've been with this program for approximately 3 -4 months. I have the whole home warranty service and pay $76 dollars a month plus $100 deductible.

Problem number 1 I had two items that needed to be fixed at the same time and you can only put an order in for one online so then you have to such for a number to call so someone can combine the order. Not bad that worked and at first I was happy with the service.

My refrigerator needed to be fixed twice. A provider came out the 2nd time and said nothing was wrong. A few weeks later the refrigerator broke down completely. The same service provider came out again and stated it needed parts sears sent an email with 3 options.

Replace for $899, repair with no guarantees if it breaks again or get a replacement check. I chose the replacement option. Mind you the $899 quote is not comparable to anything that you can actually order.

I place the order and then realize there was no way to choose the color that I needed. So basically Sears can replace your stainless steel appliance with whatever color they chose even though it doesn't match your other appliances.

There was no option to pay a fee for the color you want basically you have no choice, mind you the other colors are the same price. That was an argument I chose not to fight and accepted my fate.

After that, I get an email stating that my order was placed and it would take 5- 7 business days. Not a problem. I wait for the 5-7 business days and decide to call to see when it will be delivered. I got the biggest run-around and no clear answer.

It took two days to get a delivery date and was told it was going to take now 21 days for me to get a refrigerator because someone had to resubmit my order 7 days after I made my original order.

A day before this conversation was had I was told that my refrigerator was going to be delivered in a day or two but no one contacted me so were they going to just show up. I told them I did not want to wait another 21 days for their mistake and cancel and give me my check.

Now the representative had the audacity to tell me they are going to charge me a 35% restocking fee. I didn't do my research on this company as a friend told me about the program and it worked for them and since Sears has or had a great reputation I joined the plan.

It simply isn't worth the hassle. I could have called a local place and had a refrigerator delivered in less time with less hassle.

Celeste B.
July 10 2020 2:23PM

This is the second time I have had Sears Home Warranty and the last. They are consistently horrible. There is absolutely no way to call them and get any information or help to fix a situation with a claim. As of this note, my wife has been on line with them for well over an hour.

She has been transferred 7 times. You either get a person you can’t understand or a recording that is garbled. It is no wonder they are going out of business. Use someone else! Do not risk your money on them. They are garbage!

James D.
Denver, NC
July 09 2020 6:06PM

Is the worst insurance warranty I ever used. When you make a claim they find a lot of excuses to don’t fix the problem. And very bad customer service.

They never send you to the right person to talk about your problems and you don’t have the right to fight for your claim. Don’t recommend it. Go to American Shield warranty.!!! Don’t waste your money!!!

Rui D.
Manassas, WA
July 07 2020 10:15PM

Sears Home Warranty is not what it used to be. We have been sears customer for over 15 years but would never again deal with them.

We paid fully using sears card for 5 year protection plan when we bought appliances form them on 10/12/50. We have given them full proof of transactions, sears card charges and payments.

Someone messed up their records so they are saying we were not charged for the warranty after 15+ days of over 12 hrs of phone calls and over 20 emails But have failed to provide any proof to the contrary. They don't even deserve 1 star but there is no lower rating so this is it.

Pushpa A.
Carmel, NY
July 07 2020 12:58AM

If I could choose 0 stars I would. This is the worst I've seen with Sears. I paid for warranty for my hot water heater and it's been leaking now for over 1 week and keeps flooding the basement even though I have a hose connected to drain the water.

It took 5 days for a tech to come out to confirm the unit needs to be replaced but can't get an answer on replacement. If I add the hours I've been on hold all day waiting to get an answer on when the unit will be replaced it's over 7 hrs.

I'm on hold now for 2hrs 30 mins with recording saying "we appreciate your patience". Each time I get transferred to someone they transfer me to a different depts like a game or passing the ball. People have more precious things to do with time than to be waiting on hold to get answers.

Don't waste your time and money. I could have saved the money I spent over the years and gotten a replacement already. It's a very frustrating and painful experience especially during this covid season.

Emma W.
Brooklyn, NY
July 06 2020 5:44PM

We have had 5 service calls in a year on our Samsung refrigerator. We just keep trying different parts and nothing fixes it! I have pitched food three times. It completely stopped working again.

They changed their policy. Will not replace the unit like our original policy said. Now there are conditions in place to prevent this option. Do not purchase from this warranty company.

Karen K.
Independence, KY
July 02 2020 6:11PM

This is the worst service I have ever encountered. Have a Kenmore (Sears Brand) refrigerator that has broken down the same way five times. Every time it gets "fixed" we lose a substantial amount of food and are without a fridge on average over a month. I have had multiple service appointments cancelled day of or not show, causing a reschedule between 2 and 3 weeks later.

If you try to call, you will be on hold at least 30 minutes to speak with someone and if you have any problem they will forward you to someone else that can "help" you all to wait another 30 minutes per forward. The different departments also blame each other for difficulties and state the other group has the authority to make decisions, ultimately having no one capable of making one. DON'T SIGN UP!!!

Eric M.
Carlsbad, CA
July 02 2020 6:09PM

This is a very bad warranty. It took 5 visits over the course of 2 months to fix my dryer. When my fridge broke they used contradictory terms in the contract to not cover the repair. For example, they fix wiring but dont fix door cables. If they cannot fix your appliance they most certainly will not replace it. Find a different company!

Bonney Lake, WA
July 01 2020 11:29PM

I have dealt with them for almost 2 months trying to get my dryer fixed... Now they send a "tech" again to look at it and he shorts out a circuit board and now it doesn't work at all... Also, I had them send A&E for my microwave... The tech messed up the door and put in for a replacement... Sears does not cover doors... Wait... WTF? You broke it... Days trying to get through to the claims agent and nothing... No call backs... Finally got a letter in the mail saying that they have been trying to call and can't get through... My head almost exploded!

Dave Q.
New Castle, PA
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