• Annual cost: $41 to $45 per month
  • Waiting period to start coverage: 30 days
  • Claim processing time: 24 to 48 hours on regular days. Up to 96 hours during weekends or holidays.
  • Repair guarantee: 90 days for parts, 30 days for labor

Total Home Protection Reviews [Coverage & Prices In 2021]

Fact-checked
  • Annual cost: $41 to $45 per month
  • Waiting period to start coverage: 30 days
  • Claim processing time: 24 to 48 hours on regular days. Up to 96 hours during weekends or holidays.
  • Repair guarantee: 90 days for parts, 30 days for labor

Best For

Homeowners with older appliances

STRENGTHS

  • Available in 45 states
  • Automatically renews your policy
  • 24/7 dedicated customer support service
  • Accredited service providers

WEAKNESSES

  • Deductible fee
  • Does not offer nationwide service

Most of us consider our homes our most valuable asset and a worthy investment. But with the high maintenance costs of the major systems and appliances that keep our homes comfortable, homeownership can also be quite expensive. That’s where home warranty companies come in.

In this article, we’ll focus on Total Home Protection and give you a breakdown of their service packages, features, and pros and cons. We’ll consider Total Home Protection reviews from both professional reviewers and actual users.

Total Home Protection Home Warranty Breakdown

States Covered

Total Home Protection’s services are available in 45 states. The five states where they do not operate are California, Nevada, New York, Washington, and Iowa. You should check out the best home warranties in California and other excluded states if you live in these locations. We’ll mention a few alternatives further in our Total Home Protection warranty review.

Waiting Period

After officially subscribing to one of the coverage plans and paying your premiums, there’s a waiting period of 30 days before you can file a claim. This waiting period is typical of most companies in this industry.

Deductible

Total Home Protection charges a deductible of $75 as a service fee every time you file a claim.

Renewal Policy

Should you wish to renew your home warranty, Total Home Protection automatically renews your policy before your coverage expires for seamless protection.

Cancellation Policy and Fee

You can cancel your coverage at any time. If you cancel within 30 days from the start of your subscription, you will only be charged for the service fees already incurred. If you cancel after 30 days, a $50 administrative fee is applicable on top of the incurred service fees. Refunds will be based on the unexpired coverage terms.

Service Call Fee

A service call fee of $75 is charged for every call if you want to make a claim. This amount is quite typical according to other home warranty reviews for Total Home Protection and comparisons with its competitors. In case your call is about previous work still covered by the workmanship guarantee, the service call fee will be waived automatically.

Home Inspection and Maintenance Records Required

Total Home Protection states on its website that they have the “right to request for maintenance records”. While this suggests that presenting inspection and maintenance records is not necessarily a requirement for coverage, it’s best to be prepared with all the applicable documentation should the need arise.

Features / Benefit Details
Annual cost $41 to $45 per month
The waiting period to start coverage 30 days
Deductible $75
Claim processing time 24 to 48 hours on regular days. Up to 96 hours during weekends or holidays.
Repair guarantee 90 days for parts, 30 days for labor

Total Home Protection Warranty Plans

Total Home Protection offers two plans you can choose from depending on your needs and budget. You can refer to our breakdown in this Total Home Protection plans review for reference:

Plan Gold Platinum
Pricing $519 $600
Appliances and systems covered
  • Plumbing system
  • Plumbing stoppage
  • Water heater
  • Whirlpool bathtub
  • Electrical system
  • Oven / range / stove
  • Cooktop
  • Permanently installed sump pump
  • Built-in microwave
  • Dishwashers
  • Garbage disposal
  • Trash compactor
  • Ductwork
  • Garage door opener
  • Ceiling and exhaust fans
  • Plumbing system
  • Plumbing stoppage
  • Water heater
  • Whirlpool bathtub
  • Electrical system
  • Oven / range / stove
  • Cooktop
  • Permanently installed sump pump
  • Built-in microwave
  • Dishwashers
  • Garbage disposal
  • Trash compactor
  • Ductwork
  • Garage door opener
  • Ceiling and exhaust fans
  • Air conditioning system (2 units)
  • Heating system (2 units)
  • Refrigerator
  • Clothes washer
  • Clothes dryer

Exclusions / Limitations: Covers only one unit of each system/appliance. Another unit of the same system is considered as an add-on.

Add-ons / Additionals

Aside from the items that are standardly included in each package, Total Home Protection also covers the following items at an additional cost:

  • Pool/spa
  • Additional spa
  • Limited roof leak
  • Central vacuum
  • Sump pump
  • Well pump
  • Septic system
  • Septic plumbing
  • Second refrigerator
  • Stand-alone freezer
  • Water softener
  • Refrigerator icemaker
  • Additional A/C system
  • Additional heating system
  • Additional water heater
  • Additional garage door opener

How To File Your Service Request Step by Step

To give a glimpse of the company’s claiming process in this review of Total Home Protection, here are the few easy-to-follow steps:

  1. You have two options when initiating a claim. One is calling their 24/7 dedicated hotline and speaking to one of their customer service representatives. Another is logging on to your Total Home Protection online account and initiating your claim online.
  2. Once the claim is initiated, Total Home Protection will contact one of their accredited service providers to schedule an inspection of your unit.
  3. On the day of inspection, a technician from the service provider will assess your unit. This will be coordinated with Total Home Protection for verification and eligibility of claims.
  4. If your claim is eligible, the service provider will then proceed with the repair/replacement of the part or product.

Bear in mind, though, that coverage for the warranty plans only begins after the 30-day waiting period.

Pros & Cons

Here are the main pros and cons according to our research and user reviews for Total Home Protection:

Pros Cons
  • Easy online quotes
  • Wide selection of add-ons
  • 90-day guarantee
  • Does not offer nationwide service
  • A relatively young company

Total Home Protection Reviews

Total Home Protection is a relatively new company, founded in 2016. Since then, there have already been a handful of reviews online by homeowners on various review sites and forums such as BBB, Yelp, This Old House, Best Company, and Google reviews. Looking at star ratings given by actual customers, Total Home Protection is often viewed negatively by customers. It scored only 1/5 stars on Yelp and only 2/5 stars on BBB. Google reviews, which has by far the most customer reviews, gave Total Home Protection 3/5 stars.

In contrast, sites like Review Home Warranties and ConsumerAffairs are more generous with their ratings, giving the service up to 4 stars. Most of the negative comments posted online refer to claim denials and slow response times which are common issues in this industry. Praises, on the other hand, are due to the professionalism and workmanship of the dispatched service providers.

Total Home Protection Alternatives

While reviews of Total Home Protection show that customers are generally satisfied with the services, even if they often complain about slow response times, we also recommend checking out other reputable warranty companies on the market.

If you’re still looking for a home warranty provider for your home’s systems and major appliances, here are some worthy options to consider:

Choice Home Warranty

  • Win: Only $60 service fee for claims;
  • Lose More expensive monthly cost – $55.

Read the full Choice Home Warranty review here.

Liberty Home Warranty

  • Win: Provides 1 month free and some discounts;
  • Lose Only a 60-day workmanship guarantee.

Read the full Liberty Home Warranty review here.

Select Home Warranty

  • Win: Slashes $100 off on plans as promo;
  • Lose: Charges repeat service fees.

Read the full Select Home Warranty review here.

Is Total Home Protection Worth it?

With the high cost of keeping your home’s major systems and appliances in great shape, the Total Home Protection warranty can certainly guard you against unwanted expenses due to breakage. Their availability in 45 states definitely makes them a good option to consider if you live within their service area.

One of its standout features noted in many reviews on Total Home Protection is their 90-day guarantee, as most other companies usually offer only up to 60 days. They offer two packages which cover most of the necessary items you’d need. If you have more major items to add that both packages do not cover like a pool spa or septic system, they can be added for the corresponding additional price.

FAQ

Is Total Home Protection Legit?

Total Home Protection is a legally registered company that has been in business since 2016. We’ve mentioned in this Total Home Protection review that the warranty company is recognized in 45 states and is even considered as one of the top home warranty providers in Alaska and Hawaii. Its registered headquarters are situated at 300 McGraw Drive, Edison, New Jersey.

What does Total Home Protection Cover?

Total Home Protection has two service packages and offers an option to add other major items individually. According to Total Home Protection reviews, they cover typical systems and appliances that most home warranties cover. These include coverage for HVAC systems, heating systems, garbage disposals, and septic systems, among others.

How do I request service from Total Home Protection?

Filing a claim involves only a few easy steps. Customers will first have to contact Total Home Protection either via phone or online for a scheduled visit from a technician. The technician will then inspect the item of concern, and upon approval of Total Home Protection, the repairs or replacement shall be undertaken. The quality of the repairs and professionalism of the technicians are often praised in Total Home Protection reviews.

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.