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ServicePlus Home Warranty

4.25 Stars (35 Reviews)
Updated: January 19, 2023
By: Dr. Steven Rydin
Dr. Steven Rydin
Director of Product
As the former director of product, Steven oversaw Retirement Living’s product and marketing efforts for four years. His digital marketing expertise helped launch senior-focused buyer’s guides and a wide range of products surrounding finance, insurance, healthcare, and lifestyle. Steven holds a Doctor of Business Administration degree from George Fox University.
Director of Product
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

ServicePlus Home Warranty provides two types of comprehensive warranty plans with service contracts to repair or replace major system components and appliances in your home that break down due to normal wear and tear. They offer both monthly and annual service plans as well as a variety of optional add-on coverages to help you customize your plan to meet your needs.

ServicePlus Logo

Editorial Breakdown

Service Quality 4.5 Stars
Affordability 4.5 Stars
Coverage 5 Stars
Customer Service 4 Stars

Overall Rating 4.3 Stars

Bottom Line

ServicePlus Home Warranty has lots of optional coverage features, such as pools, wells and beyond - they earned our award for great coverage.

ServicePlus Home Warranty Review

Established in 2016, ServicePlus Home Warranty formerly Total Home Protection is a relatively new company in the home warranty field. Two things set ServicePlus Home Warranty 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 ServicePlus Home Warranty 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, ServicePlus Home Warranty will deal with the hassle of finding contractors if you are not able to do many of your own home-related repairs.


  • 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


  • Not BBB accredited or certified by the NHSCA

ServicePlus Home 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. Like most plans, home warranty plans from ServicePlus Home Warranty 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.

ServicePlus Home Warranty 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.

Service Plus Plans
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.

ServicePlus Home Warranty Prices

The cost of a ServicePlus Home 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, ServicePlus Home Warranty’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 ServicePlus Home Warranty provides a 30-day cancellation policy. If you sell your home, transferring warranty coverage to the new owner costs nothing.

How to Buy a ServicePlus Home Warranty Plan

You can request a free quote from ServicePlus Home Warranty, 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 ServicePlus Home Warranty Reviews Say?

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

ConsumerAffairs gives ServicePlus Home Warranty 3.5 stars based on 169 ratings in the last year.

ServicePlus Home Warranty 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 ServicePlus Home Warranty addressing 76 out of 80 customer complaints.

ServicePlus Home Warranty 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, ServicePlus Home Warranty will replace the item within the terms outlined in your service agreement. Be sure to read your contract carefully before purchasing.

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

    ServicePlus 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 ServicePlus Home Warranty’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.


While ServicePlus Home Warranty 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. ServicePlus Home Warranty 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 ServicePlus 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, ServicePlus Home Warranty is an excellent choice to consider for protecting you and your family from unexpected household repair bills.

35 ServicePlus Home Warranty Reviews

Write Review
1 Star

April 05 2024 6:12PM

Do not buy a warranty from this company. They are not credited by the BBB for a reason, they will rip you off. Charge your credit cards for more. Then what they say pressure you to signing a contract and then get belligerent on the phone. When you try calling, customer service would not recommend. Stay away from them. The worst company I have ever dealt with.

Frank B.
1 Star

September 20 2023 3:55PM

My ac unit went out during the summer. They someone out. He didn't do anything. So I had to call Coolray. The next day, they came out the next to fix my problem. And I try to get reimbursed. I couldn't get that. Now I have been trying to get prorated refund on my contract since 2021. They keep telling me I don't have any money. I don't understand because they never had to replace or fix anything.

Yolanda F.
1 Star

November 15 2022 11:44PM

I don't even know where to begin. I just have a question to ask those out there. Have you ever heard of a warranty company who claims they cannot cancel your policy upon your request? Someone explain that to me.

Because that's what this company is stating despite everything in their policy specifying the terms of cancellation which definitely includes I, the customer complaining about the service that I received from them so far in having the policy in just two months. But really, whoever heard of such a thing? Is it just me? Does that really exist?

Lkanony L.
Belvidere, IL
1 Star

October 04 2022 8:17PM

Never engage with this company ever. All you will have is bunch of lies. The worst customer I ever had in my life. They never answered my phone calls, they never processed my claim but they kept on collecting my monthly fee. If you want to avoid a heart attack stay away from this thing.

Sylvain N.
Wilmington, DE
1 Star

March 28 2022 5:46PM

I would rate it less than 1 star but I don’t have the choice. These people are a scam, a joke, thieves, they will steal your money. I put in a claim on July 2021 for my dishwasher, paid 75 for a technician who said that it could not be repaired. They said they would send me a check for 250.

My heating furnace broke in the middle of the winter, I had to buy a new one once again they could not help me.. They said they would send another check for 175.. It is March 28th 2021, 8 months later and still waiting for my check.

Every time I call and ask to speak with the billing department they say there is no way to contact them because they are an internal company, every time I ask to speak with a manager, they say there is none available.

They promise over and over again that someone will contact me and nobody ever calls. Please do not contact these people. It’s a waste of money. My contract is about to finish. I paid a lot to have this home warranty and they never paid me.

Francheska M.
Manchester NH, NH
1 Star

September 21 2021 6:50PM

Worst company ever, you have to be on hold for hour or two to talk to them, never will follow through with what they promise, very rude. I have 4 properties and I cancelled all 4. Do not go with this company or your money goes to waste.

Nima H.
Sacramento, CA
1 Star

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
1 Star

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
1 Star

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
1 Star

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