• Annual cost: From $540 to $900 depending on the plan
  • Waiting period before coverage: 30 days
  • Deductible: None
  • Claim processing time: Within 48 hours
  • Repair guarantee: None stated

Complete Protection Home Warranty Reviews, Pros, Cons [2021]

Fact-checked
  • Annual cost: From $540 to $900 depending on the plan
  • Waiting period before coverage: 30 days
  • Deductible: None
  • Claim processing time: Within 48 hours
  • Repair guarantee: None stated

Best For

No-deductible, no-copay services

STRENGTHS

  • No deduction
  • Lets you choose your own service provider
  • 24/7 customer service
  • Reimburses you if you paid for approved repairs out of your own pocket

WEAKNESSES

  • You can’t use their services if you live in Wisconsin, New York, or Massachusetts
  • No workmanship guarantee

Complete Protection Home Warranty, also known simply as Complete Protection, is a home warranty provider founded in 1998. It offers its services in 47 US states and 6 provinces in Canada.

Complete Protection Home Warranty reviews show that this family-owned warranty company has become a recognized brand for those who want to protect their major appliances and home systems and save money on repairs.

In our review, we’ll:

  • give you a breakdown of their services and special features
  • show you how to file a service request
  • give you an overview of what the company’s customers say about its services

Complete Protection Home Warranty Breakdown

Locations Covered

Complete Protection operates in both the US and Canada. US operations are headquartered in Liberty, Missouri. The company’s services are available in all the US states, except Wisconsin, New York, and Massachusetts. Complete Protection Home Warranty service is also available in Washington DC.

Canadian operations are headquartered in Toronto, Ontario, with services available in Alberta, Manitoba, New Brunswick, Nova Scotia, Ontario, and Prince Edward Island.

Waiting Period

Complete Protection Home Warranty states there’s a waiting period of 30 days after signing up before you can file a claim. After the waiting period, the warranty plans are immediately activated and cover all the items listed in your signed contract. In case the home warranty plans are already included with the purchase of the property where a 12-month coverage has been secured with full payment, the 30-day waiting period shall be automatically waived. Coverage will begin on the date of purchase.

Deductible

Complete Protection Home Warranty appliances plans have no deductibles. If any of the appliances or systems covered need servicing, all expenses shall be shouldered by the warranty company.

Renewal Policy

The coverage plans are month-to-month hence renewal is on a monthly basis as well. If you feel you should renew your home warranty, you’ll have to subscribe for each succeeding month.

Cancellation Policy and Fee

You may cancel your policy at any time. Note though that you’ll have to pay a $25 administrative fee. You may also request a prorated refund which is subject to any previous claims made.

Service Call Fee

There is no charge when calling for service which is one of the company’s best features noted in this Complete Protection Home Warranty review. Calling the hotline is completely free, and you will not be charged with anything else to receive service.

Home Inspection or Maintenance Records Required

While inspection reports and maintenance records are not immediate requirements, Complete Protection Home Warranty reserves the right to check and inspect for such documents when needed.

Feature/Benefit Details
Annual cost From $540 to $900 depending on the plan
Waiting period before coverage 30 days
Deductible None
Claim processing time Within 48 hours
Repair guarantee None stated

Complete Protection Home Warranty – Plans

Essential

($45 / month)

Advanced

($55 / month)

Comprehensive

($65 / month)

Ultimate

($75 / month)

Inclusions / limitations 3 appliances, HVAC systems, plumbing system for water heater 6 appliances, HVAC systems, plumbing system for water heater, free preventive maintenance check 6 appliances, HVAC systems, plumbing system for water heater, free preventive maintenance check 8 appliances, HVAC systems, plumbing system for water heater, free preventive maintenance check
Appliances covered
  • Dishwasher
  • Microwave
  • Range
  • Dishwasher
  • Microwave
  • Range
  • Washer
  • Dryer
  • Refrigerator
  • Dishwasher
  • Microwave
  • Range
  • Washer
  • Dryer
  • Refrigerator
  • Dishwasher
  • Microwave
  • Range
  • Washer
  • Dryer
  • Refrigerator
  • Garbage disposal
  • Garage door opener
Systems covered (HVAC)
  • Air handler / Furnace
  • Condensing unit
  • Evaporator coil
  • Thermostat
  • Air handler / Furnace
  • Condensing unit
  • Evaporator coil
  • Thermostat
  • Air handler / Furnace
  • Condensing unit
  • Evaporator coil
  • Thermostat
  • Air handler / Furnace
  • Condensing unit
  • Evaporator coil
  • Thermostat
Systems covered (Electrical system)
  • Wiring
  • Main panel
  • Outlets and switches
  • Wiring
  • Main panel
  • Outlets and switches
  • Light fixtures
  • Ceiling and exhaust fans
Systems covered (Plumbing)
  • Water heater
  • Water heater
  • Water heater
  • Plumbing pipe leaks
  • Water heater
  • Plumbing pipe leaks
  • Drain line plumbing and plumbing stoppages
  • Faucets and showerheads
  • Toilets

Add-ons / Additional Coverage

Aside from those already listed in the Complete Protection Home Warranty service packages, here are some of the items that you can add to your coverage for an additional fee:

A/C system – $28

Furnace / air handler – $28

Condensing unit – $18

Evaporator coil – $18

Mini split evaporator – $18

Boiler – $26

Septic systems – tank / lines – $20

Septic systems – tank / pump – $8

Water pump / tank – $8

Cooktop – $4

Oven – $4

Range – $8

Refrigerator – $8

Dishwasher – $6

Deep freeze – $6

Microwave – $8

Wine cooler – $6

Ice machine – $6

Water heater – $6

Washer – $8

Dryer – $4

Garbage disposal – $4

Garage door opener – $4

Trash compactor – $4

Pool pump – $12

Pool heater – $12

High-end option – $28

*Prices listed are on a monthly basis.

How To File Your Service Request Step By Step

Here are the simple steps of the Complete Protection Home Warranty claims process and how it works:

  1. Request your claim by getting a unique Authorization Number online or through their 24/7 customer service hotline.
  2. Once you have your Authorization Number, you can either use a service provider from Complete Protection’s network or your own preferred service provider.

If you’re using one of Complete Protection’s service providers:

  1. Get in touch with the repair company.
  2. Inform them that you’re a Complete Protection client and you have a unique Authorization Number.
  3. The repair company will set an appointment for diagnosis.
  4. After a diagnosis has been made, the service company will coordinate directly with Complete Protection.
  5. Any 100% approved repairs shall be billed by the service provider directly to Complete Protection.

Complete Protection Home Warranty also allows other providers to work on your home. Here are the steps for this option:

  1. Get in touch with the repair company and make an appointment with their technician.
  2. Have their technician make a diagnosis and prepare a quote for the repairs.
  3. Coordinate this with Complete Protection for approval of repairs and get an Override Authorization Number.
  4. You can then have your technician proceed with the repairs.
  5. Once repairs are complete, your technician can then bill Complete Protection using the Override Authorization Number.

If you paid your preferred service provider:

  1. Get their invoice/receipt detailing the repairs done in accordance with the approved diagnosis.
  2. Send the invoice/receipt to Complete Protection for reimbursement.

The following are the company’s pros and cons that we researched and summarized for our Complete Protection Home Warranty review.

Pros & Cons

Pros Cons
  • No deduction
  • 24/7 customer service
  • Lets you choose your own service provider
  • Reimburses you if you paid for approved repairs out of your own pocket
  • No workmanship guarantee
  • You can’t use their services if you live in Wisconsin, New York, or Massachusetts

Complete Protection Home Warranty Customer Reviews and Reputation

Reviews from actual customers are mixed depending on which forum site you’re looking at. Nonetheless, ratings lean more toward the positive side with most customers rating the company 5/5 stars. Most of the praises are due to the company’s 24/7 support and most customers are happy with how Complete Protection representatives handle calls.

Complete Protection Home Warranty reviews on BBB, Yelp, HomeWarrantyReviews, and other trusted forums praise the prompt response times in booking appointments and getting repairs done. In comparison with other companies, customers are also very pleased with the fact that they are able to choose their own technicians and ask for reimbursements. Further plus points also go to fast reimbursement times.

There are a few customers who gave low scores and have expressed their disappointment with Complete Protection’s services. The majority of these complaints vary. For the most part, however, Complete Protection always replies with explanations on the forums. Most complaints from reviews on Complete Protection Home Warranty have been properly addressed by the warranty company management. Occasionally, the issues mentioned are simply misunderstood expectations from the terms and conditions.

Complete Protection Home Warranty Alternatives

Here are some of the top-rated home warranty companies and how they compare with Complete Protection:

Select Home Warranty

  • Advantage: Gives a 60-day workmanship guarantee where Home Warranty gives none.
  • Disadvantage: Has low deductibles, whereas Complete Protection has none.

Read the full Select Home Warranty review here.

Liberty Home Guard

  • Advantage: Offers some sign-up specials for new customers.
  • Disadvantage: In terms of experience, Liberty Home Guard has only been in business since 2019 whereas Complete Protection has been serving homeowners since 1998.

Read the full Liberty Home Guard review here.

TotalProtect Home Warranty

  • Advantage: The starting plan costs $40.95 vs. Complete Protection’s $45.
  • Disadvantage: Has a service call fee of $125, whereas Complete Protection’s calls are completely free.

Read the full TotalProtect Home Warranty review here.

Wrap Up 

When it comes to home protection companies, there are many choices out there. For the most part, these companies offer a similar range of services with just a few tweaks in their policies and some special features that make them different from each other.

Based on reviews of Complete Protection Home Warranty, here are the main things that set Complete Protection Home Warranty apart from the rest:

  • Excellent customer support
  • Fast response times
  • Doesn’t confine you to their own list of service providers
  • Covers most states
  • Clear and transparent terms and conditions
  • No deductible, copay, or service fees

If you’ve found this article helpful you might also want to read about how a home warranty differs from homeowners insurance.

FAQ

What Does Complete Protection Home Warranty Cover?

Complete Protection Home Warranty covers water systems and damage on a heating system, ventilation, and air conditioning – also referred to as HVAC. Basic appliances and electrical systems are also covered. Higher tiered packages offer more items to cover. Certain individual items can also be covered for separate fees.

Do I Need a Home Inspection First in Order to Get Coverage?

Complete Protection states in their terms and conditions that they “reserve the right to request a copy of your home inspection report”. That said, an inspection report may not always be necessary, nonetheless, it is best to keep one at hand.

Is Complete Protection Home Warranty Legit?

This warranty company is a family-owned registered business founded in 1998. It is a duly recognized corporate entity that is registered in two countries, the USA and Canada. Complete Protection Home Warranty reviews state that the customers are generally satisfied with the services provided.

ABOUT AUTHOR

I’m an entrepreneur by profession and an artist by passion. I do business to pay the bills and make music to bring the thrills. Thanks to a bachelor in Business Administration, I'm well-versed in all things business. Owning a construction company certainly helps, too, but it also brings out my love for building and home protection.