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Complete Protection Home Warranty Review

Author Image Written by Dana Getz + 1 other Reviewer Icon Reviewed by Michael Mansueto Updated 04/03/2024

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. While we like Complete Protection Home Warranty, we recommend Liberty Home Guard for its outstanding customer service and expansive plan options.

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

What Are Pros and Cons of Complete Protection Home Warranty?

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

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

What is Complete Protection’s State Availability?

Complete Protection Home Warranty is available in 47 states—it is not offered in the following states, but click these links to find the best home warranty companies in Wisconsin, New York, or Massachusetts.

What Plans and Coverage Does Complete Protection Offer?

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

ItemEssential PlanAdvanced PlanComprehensive PlanUltimate Plan
Air conditioner
Garage door opener
Garbage disposal
Water heater
Plumbing pipe leaks
Drain line stoppages
Faucets and shower heads
Electrical main panel
Electrical wiring
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
  • Furnace
  • Cooktop
  • Deep freeze
  • Dishwasher
  • Dryer
  • Garbage disposal
  • High-end appliance
  • Ice machine
  • Microwave
  • Oven
  • Range
  • Refrigerator
  • Trash compactor
  • Washer
  • Water heater
  • Wine cooler
  • Pool heater
  • Pool pump
  • Garage door opener
  • Septic pump
  • Septic tank and lateral lines
  • Well pump and tank

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

How Much Does Complete Protection Home Warranty Cost?

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 PlanCost
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.

How Are Complete Protection’s Reviews?

You can learn about a company’s customer service and reputation by reading trusted, third-party Complete Protection home warranty reviews. According to 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.

How Does Complete Protection vs. Competitors Compare?

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

ProviderComplete ProtectionAmerican Home ShieldChoice Home Warranty
Get a free quoteNot available through This Old HouseVisit siteVisit site
Plan optionsEssential, Advanced, Comprehensive, Ultimate, and optional add-onsShieldSilver™, ShieldGold™, ShieldPlatinum™, and optional add-onsTotal, Basic, and optional add-ons
Price per month$45 – $75$40 – $58$36 – $44
Service fee$0$75 – $125$60 – $85
BBB RatingA+BF

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.

FAQs About Complete Protection Home Warranty?

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.

Our Rating Methodology

We back up our home warranty ratings and recommendations with a detailed rating methodology to score each provider objectively. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and conducting focus groups and consumer surveys. 

We score each provider against our review standards, which include four comparison categories: coverage, value, trust and transparency, and availability and service. We rate each provider across 31 factors within these categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We then convert the final scores to a 5-star rating. 

Here’s a breakdown of our weighted factors:

  • Coverage (40%): We scored coverage based on included home systems and appliances, add-on options, and unique benefits. We also compared coverage caps and policy exclusions.
    • Additional coverage items
    • Annual coverage cap
    • Home systems coverage
    • Major appliances coverage
    • Obstructed wall coverage cap
  • Value (30%): We compared the coverage level received to monthly pricing to determine plan value. We considered premium pricing, service fees, and flexibility in customizing plan costs. 
    • Average monthly cost
    • Cost flexibility
    • Lowest service fee
  • Trust and Transparency (16%): We evaluated each company’s reputation using the Better Business Bureau ratings and customer reviews on third-party review sites. We read through plan change policies, workmanship protections, and sample contract availability. 
    • Brand reputation
    • Policy change flexibility
    • Sample contract availability
    • Workmanship guarantee length
  • Availability and Service (14%): We award higher scores for faster claim processing and response times. We also considered service technician policies, including options to choose your technician. 
    • Claims process
    • Guaranteed response time
    • Service flexibility

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