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Complete Protection Home Warranty Review (2021)

Complete Protection (CP) provides comprehensive coverage through four distinct plans, helping homeowners save money on repair and replacement costs for home systems and appliances. Read on to learn more about Complete Protection Home Warranty’s plans, pricing, and customer reviews.

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TOH Rating: 7.5/10

Home warranties provide peace of mind by protecting your home’s major appliances and systems, covering the cost of repairs and replacements caused by normal wear and tear. With over 20 years of home warranty experience, Complete Protection Home Warranty, also known as Complete Appliance Protection, offers comprehensive coverage for 48 states and Washington D.C.

Keep reading to learn more about the company’s coverage and if it’s the best home warranty for you and your home.

Pros and Cons of Complete Protection Home Warranty

Pros Cons
Pros Cons
Allows you to choose your own technician Not offered in Wisconsin, New York, and Massachusetts
Provides customer service 24 hours a day, seven days a week, 365 days a year Doesn’t have a guaranteed response time
Doesn’t require a service call fee Only offers combo plans

If any of the cons listed above are deal breakers, here are the top three home warranty companies we recommend:

State Availability

Complete Protection Home Warranty is available in 47 states—it is not offered in Wisconsin, New York, or Massachusetts. For those living in WI, NY, or MA, here are home warranty alternatives:

Complete Protection Plans and Coverage

Complete Protection offers four different plans that customers can choose from: an Essential Plan, Advanced Plan, Comprehensive Plan, and Ultimate Plan一each offering a combination of appliances and systems.

For more comprehensive coverage, consider the Ultimate Plan which covers appliances and systems like your home’s water heater and heating and cooling systems.

Compare the covered items under each Complete Protection Home Warranty plan below:

Coverage Breakdown

Item Essential Plan Advanced Plan Comprehensive Plan Ultimate Plan
Item Essential Plan Advanced Plan Comprehensive Plan Ultimate Plan
Air conditioner
Furnace
Thermostats
Dishwasher
Oven
Cooktop
Microwave
Refrigerator
Washer
Dryer
Garage door opener
Garbage disposal
Water heater
Plumbing pipe leaks
Drain line stoppages
Faucets and shower heads
Toilets
Electrical main panel
Electrical wiring
Outlets/Switches
Ceiling and exhaust fans
Light fixtures

Additionally, this company offers optional coverage for the following items:

  • Air conditioning
  • Air handler and evaporator coil
  • AC mini split evaporator coil
  • Boiler
  • Cooktop
  • Deep freeze
  • Dishwasher
  • Dryer
  • Furnace
  • Garage door opener
  • Garbage disposal
  • High-end appliance
  • Ice machine
  • Microwave
  • Oven
  • Pool heater
  • Pool pump
  • Range
  • Refrigerator
  • Septic pump
  • Septic tank and lateral lines
  • Trash compactor
  • Washer
  • Water heater
  • Well pump and tank
  • Wine cooler

Note: Customers will have to pay an additional fee to receive coverage on these additional items.

Homeowners interested in a home warranty from Complete Protection can get coverage if they live in these states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District Of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, South Carolina, South Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, Tennessee, Texas, Utah, Washington, West Virginia, and Wyoming.

Complete Protection Home Warranty Pricing

Plan pricing varies depending on the type of plan selected. Below is a list of Complete Protection plans and pricing.

Pricing Breakdown

Complete Protection Home Warranty Plan Cost
Complete Protection Home Warranty Plan Cost
Essential Plan $45.00 per month
Advanced Plan $55.00 per month
Comprehensive Plan $65.00 per month
Ultimate Plan $75.00 per month

Unlike many home warranty companies, Complete Protection doesn’t require you to pay a service fee. This means that you’ll only pay the set monthly cost for a system or appliance repair, unless you reach the coverage cap. Coverage cap, or maximum amounts of a repair or replacement Complete Protection will cover, are outlined in your contract’s terms and conditions.

Complete Protection Reviews

You can learn about a company’s customer service and reputation by reading trusted, third-party Complete Protection home warranty reviews. On the Better Business Bureau (BBB), Complete Protection is an accredited business with an A+ rating. Though it only has one customer review through the BBB, you can look through other consumer review sites to gain a better understanding of the company’s reputation.

Complete Protection vs. Competitors

Though Complete Protection is one of the best home warranty companies available, there are other top-rated home warranty companies that may be a better fit. Compare Complete Protection to two of our recommended picks.

Compare Home Warranty Companies

Provider Complete Protection American Home Shield Choice Home Warranty
Provider Complete Protection American Home Shield Choice Home Warranty
Get a free quote Not available through This Old House Visit site Visit site
Plan options Essential, Advanced, Comprehensive, Ultimate, and optional add-ons ShieldSilver™, ShieldGold™, ShieldPlatinum™, and optional add-ons Total, Basic, and optional add-ons
Price per month $45–$75 $40–$58 $36–$44
Service fee $0 $75–$125 $60–$85
Additional benefits No service fee Customizable service fees Gives customers their first month free
BBB rating A+ B B

Because plan pricing varies based on where you live, the type of plan you choose, and how large your home is, we recommend getting quotes from a variety of providers to choose the best home warranty option.

To receive a quote from our recommended home warranty provider, American Home Shield, fill out a simple online form or call 844-529-9298.

If you want to learn more about the company, you can read our American Home Shield Review.

To get a free quote from Choice Home Warranty, fill out this form or call 929-400-6165.

You can learn more about the company by reading our Choice Home Warranty Review.

Our Conclusion

The This Old House Reviews Team gives Complete Protection Home Warranty a 7.5/10. The home warranty company provides competitive coverage through four comprehensive plans, each covering various home appliances and systems, and doesn’t charge a service fee.

We recommend Complete Protection Home Warranty for first-time home buyers looking for protection on both appliances and systems. However, Complete Protection doesn’t offer individual plans for appliances or systems, so you can’t choose to cover one or the other. Complete Protection may also not be a good choice for you if you live in New York, Wisconsin, or Massachusetts, as the company doesn’t service those states.

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 Complete Protection

When does Complete Protection Home Warranty coverage begin?

When you sign up for coverage, there’s a 30-day waiting period before you’re able to file a claim. After those 30 days, the plan protects all covered appliances and systems in your contract.

Do I need a home inspection before enrolling in coverage?

In the company’s terms and conditions, they detail their right to request your home inspection report when applicable, but it doesn’t specify that it’s needed before enrolling.

What does the Complete Protection claims process look like?

When filing a claim with Complete Protection, policyholders have two options. They can either file a claim through phone or via their online customer portal.

Once the claim is received and processed, the company usually takes about 48 hours to send a service technician to your home. Additionally, if you choose your own technician you must first authorize the contractor through Complete Protection to receive reimbursement.

Is a home warranty different from homeowners insurance?

Yes, a home warranty covers systems and appliances that break down due to normal wear and tear while homeowners insurance covers structural damage to your home from fires, natural disasters, and theft.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.