Advertising Disclosure

We may earn money from our partners when you click a link, complete a form or call a phone number.

We believe everyone deserves to make thoughtful, informed purchase decisions. As a result, we provide our buyers guides and local guides free for consumers. We may receive compensation from our partners. However, Retirement Living independently researches companies, and the compensation we receive does not affect the analysis of our staff. Retirement Living will not include companies on our guides that do not meet our quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear. As an Amazon Associate Retirement Living earns from qualifying purchases.

Retirement Living independently researches companies, and we use editorial discretion to award companies with special recognition (i.e. Great Value) based on our staff's judgment. We do this to help you identify companies that will meet your specific buying needs, and we do not receive compensation for these designations.

Get Insider Access

Get special offers, advice and tips from Retirement Living delivered to your inbox.

Sears Home Warranty

2.75 Stars (633 Reviews)
Updated: January 20, 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: 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

Update: According to the Sears Home Warranty website, customers with a Sears home warranty will still have their appliances and systems covered despite Sears filing for Chapter 11 bankruptcy. Sears home warranties are underwritten, administered and serviced by Cross Country Home Services.

Editorial Breakdown

Service Quality 3.5 Stars
Affordability 4 Stars
Coverage Area 4.5 Stars
Customer Service 1.5 Stars

Overall Rating 2.8 Stars

Bottom Line

Home warranties offer peace of mind when it comes to protecting appliances in your home. Sears Home Warranty plans offer major appliance and systems protection to more than 20 appliances. To see reviews and features of our top home warranty companies, click below to read our guide.

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

Sears Home Warranty Costs

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.

Sears Home Warranty Complaints

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.

633 Sears Home Warranty Reviews

Write Review
1 Star

September 19 2022 8:53PM

Got the warranty. Was never told we had to keep it a year after problems with them taking the payment out of our bank. What was being done for at least 89 months prior. Got tired of them hassling me saying we did not make your payments cancel it.

Went to another warranty company and now they say we owe them money because we need to have our plan for more than a year. That was never told us when we purchased the warranty. Stay away from them.

Luis H.
Fresno, CA
1 Star

August 18 2022 11:53PM

Stay away from Sears and Transformco. Horrible customer service ever. Purchased a Kenmore refrigerator in may of 2019 along with a master protection plan in May of 2022. They have been here 5 times.

Replaced control board. Thermal fuse, fan motor went. Without a refrigerator till July 21 2022. Now it's been out again since August 14. Tech has to come out again.

J G.
Novato, CA
1 Star

August 17 2022 10:34AM

If I could give zero stars I would. The worse! Horrible customer service! I have been waiting six weeks for my new refrigerator to be fixed. Two years, I encountered a similar frustrating experience with my old refrigerator: it took over two months to get a replacement.

David C.
Washington, DC
1 Star

August 04 2022 6:08AM

Do not buy the warranty for appliances from Sears. We bought 3 appliances and all broke down within 3 years. They fixed it under the warranty then broke again not too long.

They may be using used parts and they also lied about the warranty. This place is the worst place to purchase appliance. Move on customers. Move on. Don’t fall into the trap I fell into.

Jay S.
Laguna Hills, CA
1 Star

July 08 2022 2:48PM

The worst, I purchased this service and let’s just say I’ve spent more than 40 hours on the phone trying to get agent to resend another person out to fix the actual problem, still don’t have my ac fixed and they overcharged me. DO NOT PURCHASE!!!

Calethia D.
1 Star

June 07 2022 9:45PM

Worst co. ever. I have spent 2 whole days trying to get a human on the phone. Also I have jumped their AI stupid hoops and nothing. At the end of those two days I’m trying to tell people don’t get involved in this **. It is the biggest scam yet!!!

Debby G.
Selma, AL
1 Star

June 04 2022 1:29PM

Was told on the phone the Appliance Warranty was $49.99 a YEAR. Asked the rep to confirm 4 times it was a yearly fee. When I got the email contract 20 minutes after I hung up, it clearly said, "$49.99 a month."

It took a total of 7 hours over 2 days on the phone to cancel the warranty. Was put on hold for over an hour only to be transferred and then again on hold. Or telling me I called the wrong department and got 6 different phone numbers and NEVER reached the warranty department who are the only ones that can cancel the membership.

Very difficult to get a real person (and one that is proficient in English), just options to press and NO real customer service. Save yourself time and money and DON'T fall for this scam!!

J C.
Sterling, VA
1 Star

June 02 2022 10:36AM

Total waste of money! Can't ever talk to anyone, if you are lucky enough to get a live person it's like talking to a robot. Horrible service! Even the techs have nothing good to say about the company they work for. They've said to me more than once, "Good luck with that".

Bonnie B.
Macon, GA
1 Star

May 29 2022 5:01PM

Do not get this warranty. They have the worst customer service. Never can speak to a supervisor. They guarantee replacement if they can't repair. Good luck. We have been waiting 6 weeks without a stove!! Look at the reviewers online. Horrible company.

Cookie P.
Miami, FL
1 Star

May 20 2022 4:43AM

Called them to look at my refrigerator on Wednesday. Said the part would arrive in 5 days. It actually came in 2 days. Been a week. Can't get in touch with anyone to come out and Install the part. 3 phone numbers don't work and 1 number just has me on hold.

Cleola G.
Detroit, MI