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ServicePlus Home Warranty Review (2021)

In this ServicePlus Home Warranty review, we take an in-depth look at the company’s plans, pricing, and coverage.

Home Exterior Ben McKean

ServicePlus, formerly known as Total Home Protection, is newer to the home warranty industry. In this review, the This Old House Reviews Team takes an in-depth look at the company to evaluate costs, coverage caps, customer reviews, and more. Read on to learn if ServicePlus Home Warranty is the best home warranty for you, and get a free quote today to find out if you’re eligible for the company’s current promotion of $200 off and two months free:

Our Take on ServicePlus Home Warranty

We rated ServicePlus Home Warranty a 7.9 out of 10. To break it down:

  • Extensive network of prescreened and licensed technicians
  • High monthly premiums
  • Low coverage caps

Pros & Cons of ServicePlus Home Warranty

Pros Cons
Pros Cons
✔ $50 off + 1 month free if you pay for a plan upfront ✘ Coverage is capped at $200–$500 per claim
✔ 90-day parts guarantee ✘ Less than five years of experience
✔ 24/7 claim hotline and online customer portal ✘ Lawsuit and cease and desist orders against provider

ServicePlus Home Warranty Plans & Pricing

ServicePlus Home Warranty offers two home warranty plans:

  • Gold: Best for a Basic Combo Plan
  • Platinum: Best for Comprehensive Coverage

Unless otherwise specified, every ServicePlus Home Warranty plan includes coverage for one unit, system, or appliance. If you need extra coverage for two of the same units, you can add on protection for an additional monthly fee.

ServicePlus Home Warranty Plans

Item Covered Gold Plan Platinum Plan
Item Covered Gold Plan Platinum Plan
Plumbing System ✔️ ✔️
Plumbing Stoppage ✔️ ✔️
Water Heater ✔️ ✔️
Whirlpool Bathtub ✔️ ✔️
Electrical System ✔️ ✔️
Oven/range/stove ✔️ ✔️
Cooktop ✔️ ✔️
Sump Pump (Permanently Installed) ✔️ ✔️
Built-in Microwave ✔️ ✔️
Dishwasher ✔️ ✔️
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 ✔️

Optional Add-Ons

ServicePlus Home Warranty provides optional add-on coverage for items like a swimming pool or hot tub. If you want coverage for duplicate systems and appliances (like two refrigerators, for example), or if you need coverage for an item that’s not included in a typical plan, consider investing in optional add-on coverage.

Here’s a price breakdown of optional items for homes under 5,000 square feet.

  • Pool/Spa: $150 per year
  • Limited Roof Leak: $50 per year
  • Sump Pump: $50 per year
  • Well Pump: $75 per year
  • Septic System: $100 per year

Note: Optional coverage is available for purchase 30 days after the first payment.

Repair Guarantees

ServicePlus Home Warranty offers a 90-day parts and 30-day labor warranty, so if a repair or replacement fails during that period due to faulty workmanship or poor parts, the company will offer a re-service without requiring an additional trade service call fee.

If a repair is deemed to not be covered under your warranty, ServicePlus Home Warranty may allow you to obtain a second opinion from another service contractor within seven days. You’ll have to pay a service fee again if the outcome of the second opinion ends in a coverage denial.

Note: ServicePlus Home Warranty will reimburse you in cash if they are unable to service an approved claim through repair or replacement.

Coverage Limits

Home warranties don’t cover all systems and appliances and there are coverage restrictions even within the items included in your plan. Similar to other home warranty companies, ServicePlus Home Warranty comes with its own set of exclusions.

Here are some examples of what components are excluded from ServicePlus Home Warranty coverage:

  • Air Conditioning: ServicePlus Home Warranty provides coverage for air conditioner units up to a five-ton capacity. There are several mechanical parts and components excluded from coverage like filters, condenser casings, registers and grills, water towers, humidifiers, and window units.
  • Refrigerator: For your refrigerator to be eligible for coverage, it must be located in the kitchen. Most refrigerator parts, including the freezer unit, are eligible for repair and replacement. Some exclusions include the racks, shelves, glass, handles, doors, hinges, seals, and gaskets. Any leakage or noise caused by mechanical failure are not covered.
  • Whirlpool Bathtub: Mechanical parts and components of the bathtub, as well as the electrical controls, are eligible for coverage. However, any damage to the bathtub shell, heating, lights, faucets, and fixtures are excluded from coverage.

Other than the component-based exclusions, here are a few other items that ServicePlus Home Warranty won’t cover:

  • Items with known or unknown pre-existing conditions
  • Items that malfunction due to rust or corrosion, lack of maintenance, abuse/misuse or items, chemical or sedimentary build-up, or collapsed ductwork
  • Malfunctions due to lightning strikes; missing parts; animal, pet, or pest damage; power failure; power surge; or any natural disaster
  • Cosmetic defects
  • Routine maintenance
  • Malfunctions attributed to mold or mildew, virus, bacteria, or fungus
  • Items that are deemed to be defective by the Consumer Product Safety Commission or the manufacturer

Additionally, ServicePlus Home Warranty requires that all covered appliances and systems be located inside the home or garage, except for air conditioning, pools, spas, septic systems, and well pumps.

ServicePlus Home Warranty Plan Pricing

Duration Gold Plan Platinum Plan
Duration Gold Plan Platinum Plan
1 year $550 $500
2 years $900 $850
3 years $1,300 $1,200
5 years $2,000 $1,850

*The prices above are only for properties under 5,000 square feet. For properties larger than 5,000 square feet, you’ll have to pay an additional $300 for your plan.

The ServicePlus Home Warranty Gold plan starts at $550 per year ($45.83 per month) and the Platinum plan starts at $500 per year ($41.66 per year). The exact pricing will vary based on your state, the square footage of your home, and whether or not you choose to include add-on coverage to your plan.

Note: If you purchase a multi-year contract with ServicePlus Home Warranty, you’ll be able to lock in a discounted yearly premium. Signing up for multiple years of coverage will save you anywhere between $200–$750 for the Gold plan and $150–$650 for the Platinum plan.

In addition to a monthly premium, ServicePlus Home Warranty comes with a $75 service fee per claim. You’ll be charged this fee for every service request, even if, upon diagnosis, the coverage is denied. Additionally, if you aren’t at home for the scheduled appointment, or you cancel the service request while the contractor is en route to your home, you will still have to pay the service fee.

Coverage Caps

All home warranties come with annual payout caps, which limit the dollar amount a company is liable to pay for the repair and replacement of damaged home systems and appliances. ServicePlus Home Warranty has a per contract cap of $1,500 for access, diagnosis, repair, and/or replacement of covered items.

Here are the maximum payout limits for systems and appliances covered:

  • Refrigerant: $10 per pound per occurrence
  • Refrigerator Ice Maker: $200
  • Septic Tank Pumping: $200
  • Lawn Sprinkler System: $200
  • Ceiling and Exhaust Fan: $400

State Availability

ServicePlus Home Warranty is available in 45 states nationwide. It is not available in 5 states including California, Iowa, Nevada, New York, and Washington.

Compare Home Warranty Companies

ServicePlus Home Warranty vs. Competitors

Provider Best For Monthly Cost Service Fee BBB Rating Years in Business States Covered
Provider Best For Monthly Cost Service Fee BBB Rating Years in Business States Covered
ServicePlus Home Warranty Emergency Service $41–$45 $75–$125 B 4 45 (Not including CA, IA, NV, NY, or WA)
American Home Shield Overall $40–$58 $75–$125 B 49 years 49 states (Not including AK)
Choice Home Warranty Service $36–$44 $60–85 B 11 years 48 states (Not including CA, WA)
AHW Home Warranty Best Add-Ons $29–$46 $75 NR 10 years 45 states (Not including CA, IA, MO, OK, WA)
Select Home Warranty Lowest Deductible $36–$38 $60–$75 B 8 years 46 states (Not including NV, NY, WA, WI)
First American Home Warranty Value $36–$38 $75 B 35 years 35 states (Not including AL, CT, DE, HI, IL, LA, ME, MA, MN, NH, NJ, NY, ND, RI, VT, WI)
America’s First Choice Home Club Customization $43–$60 $75–$125 B 10 years 46 states (Not including CA, HI, NV, SC)
Liberty Home Guard Trustworthiness $40–$60 $60 A+ 2 years 41 states (Not including CA, HI, IA, IL, IN, OR, WA, WY, WI)

To learn more about some of the best home warranty companies, read our in-depth reviews:

ServicePlus Home Warranty Reviews

ServicePlus Home Warranty has received mixed customer reviews and is not accredited by the Better Business Bureau (BBB).

Here are a few BBB reviews about ServicePlus Home Warranty:

Eddy B. on 1/8/2020 said:

“To me, it feels like I have a company taking care of my house for me, whenever something breaks or fails, and the feeling is amazing.”

Staci P. on 7/8/2021, said:

“This company is horrible.”

Cherie B. on 7/8/2021 said:

“The managers are always unavailable and never return phone calls.

Our Conclusion

The This Old House Reviews Team gives ServicePlus Home Warranty a 7.9/10. ServicePlus Home Warranty is a relatively new company but has managed to quickly acquire customers across various states.

ServicePlus Home Warranty also strives to deliver fast and exceptional service through its extensive network of prescreened contractors. We like that new customers are also rewarded with one free month of coverage and $50 off if they purchase a single payment plan.

What our team didn’t like are the high premiums. ServicePlus Home Warranty plans will cost at least $45 per month, which is higher than most home warranty companies’ most affordable plans. Also, the company’s coverage caps range between $200–$500. These numbers are quite low compared to other companies like Choice Home Warranty, First American Home Warranty, and Blue Ribbon Home Warranty that offer to pay up to $1,000–3,000 on some covered items.

Because there are still plenty of positives, we do recommend getting a free quote from ServicePlus Home Warranty:

Company Information

  • Company name: ServicePlus Home Warranty
  • CEO: Ronald Seruya, President
  • Years in business: 4 years
  • Address: 325 Chestnut Street, Suite 800
  • City/State: Philadelphia, PA
  • Zip code: 19106-2608
  • BBB rating: B
Call ServicePlus Home Warranty at 800-545-0402 for more information.

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. Our rating system for home warranty providers is on a 100-point scale based on seven factors:

  • Plan options (25)
  • Coverage specifics (5)
  • Pricing (25)
  • Trustworthiness (25)
  • State availability (5)
  • Customer service (10)
  • Additional benefits (5)

Our Reviews Team reviewed 45 companies and we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. Read more on our methodology here.

Frequently Asked Questions about ServicePlus Home Warranty

How do you make a claim with ServicePlus Home Warranty?

ServicePlus Home Warranty coverage activates after a 30-day waiting period. This window of time starts immediately after you pay for your plan, and it does not limit homeowners on the number of claims they can file.

When a covered home appliance or system malfunctions, ServicePlus Home Warranty gives you the option to place a claim via phone by calling 800-545-0402 or by logging into your ServicePlus Home Warranty account to initiate a service request online. The Claims Department is available for requests 24 hours a day, seven days a week.

Once a claim is filed, ServicePlus Home Warranty will procure a pre-screened and licensed service technician within two business days, or within four days on weekends and holidays. The technician will contact you to schedule an appointment to assess the issue. ServicePlus Home Warranty may agree to expedite a non-emergency service request only if a contractor is available. In this case, you’ll be responsible for paying any additional fee that comes with expediting a service.

What does ServicePlus Home Warranty cover?

ServicePlus Home Warranty offers two plans—the Gold plan covers a mix of 15 systems and appliances, while the Platinum plan covers 20 of major systems and appliances.

Does ServicePlus Home Warranty have a cancellation fee?

If you cancel within 30 days of making your first payment, you will receive a full refund minus any service costs incurred by the company. If you cancel after 30 days, you will receive a refund based on the unexpired term, except for a $50 administrative fee and service costs.

Is there a fee to transfer a ServicePlus Home Warranty service agreement?

No, there is no transfer fee, and you can transfer your contract at any time.

Is there a coverage waiting period?

There is a 30-day waiting period on monthly and annual plans. This means you must wait at least 30 days after payment to file a claim. That being said, ServicePlus Home Warranty may waive your waiting period if you provide proof of prior coverage that shows no lapse in coverage.

Does ServicePlus Home Warranty take system and appliance age into account?

ServicePlus Home Warranty guarantees to repair and replace home systems and appliances regardless of age, make, and model, but they will only cover mechanical damage incurred through normal wear and tear. For example, if your refrigerator is 10 years old but is in good working order, it will be covered under the ServicePlus Home Warranty Platinum plan.

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