Total Home Protection

Total Home Protection Review

Established in 2016, Total Home Protection is a relatively new company in the home warranty field. Two things set Total Home Protection apart from many other home warranty companies: their low flat-rate service fee of $60 and their highly customizable plans. The company’s 12 month home warranty is payable monthly or annually.

These plans may come in handy because owning a home is likely the most valuable investment you will make in your lifetime. Protecting that investment is critical, and a home warranty from Total Home Protection will help you to do just that. Their home warranties are designed to give some peace of mind when buying or selling an older home and can help you avoid the pain of major out of pocket expenses. Moreover, Total Home Protection will deal with the hassle of finding contractors if you are not able to do many of your own home-related repairs.

Pros
  • Fast response time
  • 24/7 customer service
  • Licensed and insured technicians to handle repairs and replacements
  • Low service fee
  • Customizable plans
  • No fee to transfer plan

Cons
  • Not BBB accredited or certified by the NHSCA

Total Home Protection warranty plans do not cover every system and appliance in your home. The coverage you get depends on what you elect when you select a plan, so ask questions, read our home warranty buyer’s guide and read through the plan documents carefully. Even though the company name implies total home protection, all home warranty plans have certain limitations. For example, a home warranty will not replace your homeowner’s insurance policy. It won’t protect you against storm, fire, and flood damage, damage caused by a plumbing leak or roof leak, robbery, etc. Your homeowner’s insurance policy covers damage from these events.

A home warranty may not cover items that you might expect it to, so it is essential to take time to read through your contract thoroughly and ask questions before buying. You will want to be sure you know exactly what the warranty covers and what it does not, keeping in mind that this is a service plan.

Total Home Protection Plans

The company’s two comprehensive warranty plans are labeled Gold and Platinum. An extensive list of optional coverages can be added on to either one of these plans, allowing homeowners to tailor fit any plan to meet their exact needs. The Platinum Plan is the most comprehensive, tacking on heating and air conditioning systems, refrigerator, and clothes washer and dryer.

Optional coverages which can be added on to the Gold or Platinum plans include a pool, spa, central vacuum system, limited roof leaks, sump pump, well pump, septic system, septic pumping, additional refrigerators, free-standing freezers, water softener, ice maker, and so on.

Covered Components and Appliances Gold Plan Platinum Plan
Plumbing System / Plumbing Stoppage X X
Electrical System X X
Water Heater X X
Whirlpool Bathtub X X
Oven / Range / Stove / Built-in Microwave X X
Cooktop X X
Sump Pump (permanently installed) X X
Dishwasher X X
Garbage Disposal / Trash Compactor X X
Ductwork X X
Garage Door Opener X X
Ceiling and Exhaust Fans X X
Heating and A/C Systems (2 units) X
Refrigerator   X
Clothes Washer / Dryer   X

Your service agreement guarantees the repair or replacement of these items no matter their age, make, or model. Keep in mind, most repairs and replacements have maximum allowable benefits. The typical limit per claim on appliances or covered home systems is $1,500. Make sure you know what your benefit limits are for each covered item.

Total Home Protection Prices

The cost of a Total Home Protection warranty plan will vary from state to state and according to the size of your home. The company’s pricing falls on the high end of industry standards with annual premiums starting at approximately $500 for a 13-month contract. However, Total Home Protection’s flat fee for service calls is only $60, which is a deal in the home warranty industry.

The company offers one month free if you pay for the full year up front. A home inspection is not required to acquire coverage, and Total Home Protection provides a 30-day cancellation policy. If you sell your home, transferring warranty coverage to the new owner costs nothing.

How to Buy a Total Home Protection Plan

You can request a free quote from Total Home Protection, and by using the online quote form, you may be eligible for a $50 discount if you purchase an annual plan. You can also call 1-877-655-4260 for a quote. Customers are given one month of free service if they pay for the full year in a single payment.

home repair

Home repair. Source: Getty

What do Total Home Protection Reviews Say?

Total Home Protection launched in 2016, so we found limited availability of customer feedback and consumer reviews due to their newness on the market.

ConsumerAffairs gives Total Home Protection 3.5 stars based on 169 ratings in the last year.

Total Home Protection Complaints

Most of the complaints were filed by customers who did not read their contracts carefully before purchasing and thus failed to understand the services and coverages not provided by the company. For the most part, customers seem happy with customer service, technicians, and fast resolution of claims.

The company currently holds a Better Business Bureau rating of B with Total Home Protection addressing 76 out of 80 customer complaints.

Total Home Protection Warranty-Related Q&A

  • Is everything in my home covered by my plan?

    No home warranty covers everything in your home, and your plan will only cover the items listed in your plan. It is essential that you read through your contract carefully and ask questions before purchasing your home warranty to be sure you know the details regarding what coverage is extended to the appliances, systems or other aspects of your home, and what is not.

  • Is there a limit on the number of claims I can make?

    No. There is no limit on the number of claims you can make or the number of times you can request service.

  • Is there a fee to transfer a policy?

    No. If you sell your home during the contract term, your policy can be transferred to the new homeowners at no additional fee.

  • How do I transfer my policy to a new homeowner?

    You can transfer your policy at any time by calling the customer service number and notify the company of the change of ownership.

  • What happens when a covered item cannot be repaired?

    If a covered item cannot be repaired, Total Home Protection will replace the item within the terms outlined in your service agreement. Be sure to read your contract carefully before purchasing.

  • Does Total Home Warranty have its own local service professionals?

    Total Home Warranty uses licensed trades contractors in your area to perform service repairs. These contractors are vetted in advance and must carry at least $500,000 in general liability insurance and auto insurance at acceptable levels. Contractors are required to contact the customer within four hours of receiving a work order or get in touch with the company if the time frame is not possible so other arrangements can be made for service.

  • What is Total Home Protection’s cancellation policy?

    Homeowners may cancel their agreement within thirty days of the order date for a full refund of the paid contract fees (minus any costs incurred by the company). If you cancel after thirty days, your refund will be prorated based on the paid contract fee for the unexpired term, less a $50 administrative fee and any service costs incurred by the company. If provided services and the amount of the service costs incurred by the company is greater than the contract fees paid, then no refund will be issued.

Conclusions

While Total Home Protection is a newcomer to the home warranty market, it has quickly gained reasonable credibility and a positive reputation with many homeowners. As with any home warranty company, it is vital to understand what your plan covers before buying. Total Home Protection publishes their terms and conditions, which are relatively standard in the industry.

Whether you are purchasing a home or simply want peace of mind and protection against unforeseen household repairs of your current home, a total home warranty may be a wise choice. If you’re not the handy type, a home warranty can save you money, time, and the hassle of tracking down reliable contractors. Moreover, if you are selling an older home, offering a home warranty can be a smart incentive to attract potential home buyers.

With the ability to customize your warranty coverage and save on service fees, Total Home Protection is an excellent choice to consider for protecting you and your family from unexpected household repair bills. To view Total Home Protection’s coverage options or to request a quote online or call 877-655-4260.

Total Home Protection Reviews

Recent Reviews

March 10 2021 12:20PM

Let me say up front that if this is not the company I have (which has the same name), you can disregard this comment. However, I believe it is and here is my comment. My microwave oven was not working. I called them in September 2021.

They sent a tech out who said that it was unbearable. The company said due to its age and the unavailable parts, they could reimburse a pro-rated amount. After 37 calls and people hanging up the phone on me about my $180.00 check, I received the check on 8 March 2021.

This is my third home appliance warranty company in the 15 years and this one named Total Home Protection is the worst yet. This is not my first experience that went wrong with them, however time will not permit at this time.

Barbara S.
Columbia, SC
December 15 2020 1:21AM

I have had two claims. They've denied both of them. The second one I just had was for plumbing. They sent out a guy who couldn't even speak English. I couldn't even understand him. And I called and talked.

Well I had to wait to hear back from this claim manager for I guess 48 hours. And then he told me there was nothing he could do about it.

Because they said that it was sediment in my pipes and that I had a certain type of pipes that I actually do not have and the guy said it was because my house was so old and my house is not old. So then I had a friend of mine come out, and all it was was a valve.

I'm like are you kidding me because I'm telling you that guy they sent out didn't know anything about Plumbing so I have canceled them and don't anybody go with these people because they don't know what they're doing and they're just there to take your money and then deny your claims!!!!

Janet A.
Katy, TX
December 12 2020 1:33AM

Would give it less than 1 if I could. Every time I have called to report something needs repair and they send someone out the claim has been denied- the part cost too much, it not cover for any reason they can come up with.

They may cover it after you find another contractor to do the repair. They may send you some money back but it will take at least 3 months to get usually half of what you paid to get it repaired. Would never recommend them to anyone!

Nancy C.
Warren, MI
August 28 2020 1:43PM

Worst company ever. My pump went out for my well. I've called numerous times. Four days later still no call and no service. When I call they say they're working on it. Absolute worst customer service ever and wait time on the phone is ridiculous.

I spoke with a supervisor who assured me and PROMISED me someone was coming and that was two days ago. He said my claim was an emergency and here I am with no running water in my house.

I can't even flush the toilet. I can't do anything. I have a well in the yard. People stay away from this company. They are the absolute worst. I waa

Patricia B.
Waterford, CT
August 23 2020 3:08AM

I wish I could give less than 1 star! Do not purchase a plan through this company! They are a total rip-off! I purchased a Platinum policy for my 2 flat building covering both apartments. I submitted a claim for one of my water heaters, it was leaking water.

Service guy came out and said both tanks needed to be replaced. Not only did Total Home denied it they took 5 days to inform me of the denial.

They have No intentions of fixing nor replacing things that are covered! And to think they took advantage of me and my family during the pandemic of 2020, Shame on you! They did the same thing and said nothing was covered with my air conditioners!

Buyers beware!!! They are not reputable! They only cover if your warranty is still available on the appliance itself. They then contact that appliance and utilize the warranty process for you!

However, if that warranty on that appliance has expired you will NEVER GET YOUR APPLIANCE FIXED NOR REPLACED! I WILL BE CONTACTING BBB TO FILE A CASE! SO UN-AMERICAN!

Kimberly H.
Chicago, IL
July 11 2020 6:20AM

I changed companies after receiving a sales call from them bragging about how much better they were.. The first time I put a claim in.. It's my refrigerator! I will have 7 days now so far with no refrigerator!!!

First the service people they gave me didn't show! Then after finally getting through their phone system that (always seems to be down) and complaining for two days they agreed to let me call my own since it was an emergency!

Then it takes 3 days of again trying to get through and complaining to get them to finally get my claim through to the people who decide to give the ok to fix it! Then comes Friday I'm still calling to waste my breath because closing comes around.

Now I have no choice but to wait for Monday.. To even see if someone will answer me!! I would honestly cancel my policy with them, but then who's going to fix my fridge now?!!! At my wits end with these people!!!

Monique G.
Tucson, AZ
June 20 2020 4:12AM

Total Home Protection is nothing but a joke. Keep looking. They were not fix anything. You were only paying your money every month. Total total joke. Refrigerator went out. Only willing to give me $200 in 6 to 8 weeks. This company needs to be shut down.

Amy J.
Oakland, CA
March 06 2020 2:36PM

I only called one time to have dishwasher fixed. It was 3 days before service came to house and then another week before they decided they would not fix or replace. They very clearly advertise that they replace if not being fixed. They offered a very lower payout amount. When I told them I would like to cancel to go with a different service they said they would not honor the payout amount. Very disappointed in the representation and service.

Linda L.
Richmond, WV
February 18 2020 8:33PM

Total Home Protection replaced my AC unit after it broke down last summer, just as the temperatures were getting in the silly zones. They did it fast and I only had to pay my deductible. They sent a good technician that understood quickly this was a main pump issue and it needed replacing. Everything was done in under 3 days and I even got a warranty for the part installed. This is an excellent company.

Michael B.
Dallas, TX
February 18 2020 8:10PM

A technician I called to have my fridge repaired recommended I get a home warranty and advised me to talk to Total Home Protection, as they have the best price and the largest affiliated technicians network. I did and I thank him for that advice every time something breaks around the house. I even got him again when my fridge again decided to stop working and Total Home Protection sent back the same technician. I love them, they are a great company and a great help around the house.

Molly F.
Philadelphia, PA
Write Review