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

January 14 2020 10:29PM

DO NOT BY A HOME WARRANTY FROM THIS COMPANY IT IS A TOTAL FRAUD AND RIP OFF! I filed a claim on a blown out water heater 5 weeks ago and I still do not have a replacement water heater installed. it took them 10 days to inform me that I needed to find my own contractor as they didn't have any in my area.

I have made numerous calls and emails to no avail. When I do get through their computerized merry go round, I get an incompetent service rep who barely speaks English and can't get answers or help. The plan is supposed to cover everything but your $100 deductible, not true! I received a claim explanation letter telling me that I would be responsible for $1,951.00. I'm sitting here in 36 degree weather with no hot water, and no returned call explaining why.

January 14 2020 12:14AM

I've spent hours on the phone trying to get warranty claim service arranged. When I do, they cancel appointments with zero notice. When appointments are scheduled they do it blindly without asking for availability. Then they are surprised when nobody is home waiting for 8 hours. Ridiculous does not even begin to describe my experience. STAY AWAY!!!

Jeffrey D.
Waterloo, IA
January 09 2020 5:46AM

Scam! First, this is not Sears. They sell the warranty as a Sears warranty, but it is actually Cinch Home Warranty. When you file a claim they send out a technician who describes the problem to some e over the phone, who decides that your appliance wont be covered due to "manufacturers defect" or other code words like "structural issue" etc.

I'm calling the Attorney general in the morning. I know a scam when I see one. If you have been victimized, I recommend you do the same.

Denise G.
St Louis, MO
January 06 2020 4:22PM

BEWARE.... We had appliance coverage for several years and had no real complaints.... until now. We are moving and no longer need their service. I called to cancel the account. I was told there would be a cancellation fee of $105.00. WHAT!!!! They said that I was canceling before the contract expiration date. Who knew that I had a contract with them? Be sure that you know if there is a contract with Sears before cancelling. I feel it's a crappy way to treat someone who has been a customer for years.

Mel N.
Nine Mile Falls, WA
January 04 2020 10:39AM

Sears home warranty is the best company for my home. I don’t understand why such bad reviews. I have sears for sears, never a bad experience. They fix my dishwasher, my wall oven twice, at the end they replaced it, fix my stove , my microwave. I just don’t get it.

Guidel P.
North Miami Beach, SELECT A STATE
January 01 2020 9:15PM

I purchased the whole home warranty. It was suppose to cover appliances, air conditioner, hot water heaters etc, They said if the couldn’t repair it they would replace it. My hot water heater was leaking and I called Sears to get it repaired.

After a few days the man came He was from some company, dirty and unkempted. But friendly. He checked the heater. I paid him the $100.00 deductible he requested. He Said I had to pay no more. And assured me it would be taken care, of but the heater etc had to be ordered. I had to pay nothing. The next morning Sears call and informed me I had to to $945+. I had the plan canceled after much to do about nothing. So I am looking for a plumber. I wasted money paying them $69.99 a month. My lost. Beware of home warranties.

Carrie M.
January 01 2020 8:48PM

DO NOT USE SEARS!!! Worst company I have ever dealt with. I had a dryer not heating up. Call my warranty company and they set up for Sears to come out. They missed their first app THEY set up and just didn’t show up. They rescheduled for the next day (because everyone can just take everyday off work to wait on them).

Tech shows up next day says he fixed the dryer I pay him and he leaves. Go to use the dryer and it smells like burning electrical and had we not been there to pull it apart and check it our this could have easily started a fire in our home. He didn’t hook the heating element up correctly, he had left 3 screws sitting out which should be a pretty clear indication you didn’t do something right. Their customer service is awful they just keep transferring you to someone new every time you call. Complete garbage company. DO NOT use them for anything.

R G.
Fort Wayne, IN
December 24 2019 5:16PM

It 2 weeks to get a refrigerator part in on a 3 year old 4000.00 dollar refrigerator made by Sears put the part in still got the same error code as when they started. The warranty company sent a third party tech that was located 75 miles from my home and could not speak English so he could answer no questions. It takes at least 3 phone calls to get a Sears customer service representative on the phone after at least 30 minutes on hold. You decide.

Ulysses J.
Killen, AL
December 23 2019 7:48PM

Technician came out and supposedly fixed my AC unit. Charged me $100. AC went out eleven days later. Tech came out eleven days later and charged me another $100 claiming it was something else. Unit went out again. Another tech came out and put FREON in. Didn’t charge me a penny. He came out after hours also.

Deborah J.
Sherwood, AR
December 21 2019 11:21PM

The worst experience in home warranty, they never have companies to provide the services, never give a refund if you find a contractor, so regretted to have this company, buy the home warranty with them is waste your money and time, very rude customer service.

Belem M.
Midland, TX
Write Review