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ServicePlus Home Warranty Review (2024)

Author Image Written by Dana Getz + 1 other Reviewer Icon Reviewed by Jacquelyn Kfoury Updated 03/29/2024

ServicePlus, formerly known as Total Home Protection, is newer to the home warranty industry. In this review, we take an in-depth look at the company to evaluate costs, coverage caps, customer reviews, and more.

After an in-depth analysis we rate ServicePlus Home Warranty 4 out of 5 stars. Read on to learn if ServicePlus Home Warranty is the best home warranty for you.

Our Take on ServicePlus Home Warranty

We rated ServicePlus Home Warranty 4 out of 5 stars and named it the home warranty company with the ‘Best Eco-Friendly Incentives.’

Pros and Cons of ServicePlus Home Warranty

90-day parts guarantee
24/7 claim hotline and online customer portal
Expensive plans compared to most other companies
Cease and desist order against provider in CA
Coverage is capped at $200–$500 per claim

What Plans & Coverage Does ServicePlus Home Warranty Offer?

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.

Item CoveredGold PlanPlatinum Plan
Plumbing System✔️✔️
Plumbing Stoppage✔️✔️
Water Heater✔️✔️
Whirlpool Bathtub✔️✔️
Electrical System✔️✔️
Sump Pump (Permanently Installed)✔️✔️
Built-in Microwave✔️✔️
Garbage Disposal✔️✔️
Trash Compactor✔️✔️
Garage Door Opener✔️✔️
Ceiling And Exhaust Fans✔️✔️
Air Conditioning System (2 Units)✔️
Heating System (2 Units)✔️
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.

What Are the 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. ServicePlus doesn’t specify in its terms if you can choose the contractor for a second opinion or if it will be another technician within its network. 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 the company is unable to service an approved claim through repair or replacement.

What Are the 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:

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.

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.

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

These are standard exclusions. 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. This is a common requirement; home appliances outside of the home or garage are exposed to elements that could cause damage not covered under a home warranty plan.

How Much Does ServicePlus Home Warranty Cost?

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.

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 be required to pay the service fee.

DurationGold PlanPlatinum 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.

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.

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

These coverage caps are low, especially with recent inflation.

What States Is ServicePlus Home Warranty Available In?

ServicePlus Home Warranty is available in 46 states nationwide. It is not available in four states, including CaliforniaNevadaNew York, and Washington.

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:

“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.” Eddy B. on 1/8/2020

“The managers are always unavailable and never return phone calls.” —Cherie B. on 7/8/2021

In addition to the reviews above, we have also received feedback from a reader who encountered delays in receiving payment after filing a claim.

Note: Homeowners considering ServicePlus should be aware that the Pennsylvania Attorney General’s Office sued the company in March 2020, alleging that the company misled consumers and failed to honor claims for covered systems and appliances as promised. As of December 2021, the provider has reached a settlement agreement, in which it agreed to pay $400,000 in consumer restitution and make meaningful and specific changes to its business model and marketing tactics. We will continue to monitor the case for developments.

Our Final Take on ServicePlus Home Warranty

We give ServicePlus Home Warranty 4 out of 5 stars. ServicePlus Home Warranty is a relatively new company but has managed to quickly acquire customers across various states.

We like that new ServicePlus customers are eligible for $200 off and two free months when signing up for a plan. However, the high monthly costs, low coverage caps, and reputation issues give reason for pause. 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 and $500; these numbers are quite low compared to other companies such as Liberty Home Guard.

Comparing Top Home Warranty Companies

Company BBB Rating Monthly Cost Service Fee Visit Site
NR $49–$59 $65–$125 VISIT SITE
B $29–$89 $100–$125 VISIT SITE
B- $44–$47 $60–$75 VISIT SITE
B $42–$82 $75–$125 VISIT SITE
B $35–$94 $75–$125 VISIT SITE
A+ $44–$58 $70 VISIT SITE
B+ $30–$56 $100–$150 VISIT SITE
A $27–$70 $65–$100 VISIT SITE
No results were found.
Star Rating BBB Rating Monthly Cost Service Fee Response Time Link
Liberty Home Guard Liberty Home Guard
NR $49–$59 $65–$125 Up to 48 hours VISIT SITE
American Home Shield American Home Shield
B $29–$89 $100–$125 Up to 48 hours VISIT SITE
Select Home Warranty Select Home Warranty
B- $44–$47 $60–$75 48-84 hours VISIT SITE
First American Home Warranty First American Home Warranty
B $42–$82 $75–$125 4-48 hours VISIT SITE
AFC Home Warranty AFC Home Warranty
B $35–$94 $75–$125 24-48 hours VISIT SITE
Elite Home Warranty Elite Home Warranty
A+ $44–$58 $70 Up to 48 hours VISIT SITE
Cinch Home Services Cinch Home Services
B+ $30–$56 $100–$150 2-24 hours VISIT SITE
2-10 Home Buyers Warranty 2-10 Home Buyers Warranty
A $27–$70 $65–$100 Up to 48 hours VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Star Rating
BBB Rating NR
Monthly Cost $49–$59
Service Fee $65–$125
Response Time Up to 48 hours
American Home Shield
Logo American Home Shield
Star Rating
BBB Rating B
Monthly Cost $29–$89
Service Fee $100–$125
Response Time Up to 48 hours
Select Home Warranty
Logo Select Home Warranty
Star Rating
BBB Rating B-
Monthly Cost $44–$47
Service Fee $60–$75
Response Time 48-84 hours
First American Home Warranty
Logo First American Home Warranty
Star Rating
BBB Rating B
Monthly Cost $42–$82
Service Fee $75–$125
Response Time 4-48 hours
AFC Home Warranty
Logo AFC Home Warranty
Star Rating
BBB Rating B
Monthly Cost $35–$94
Service Fee $75–$125
Response Time 24-48 hours
Elite Home Warranty
Logo Elite Home Warranty
Star Rating
BBB Rating A+
Monthly Cost $44–$58
Service Fee $70
Response Time Up to 48 hours
Cinch Home Services
Logo Cinch Home Services
Star Rating
BBB Rating B+
Monthly Cost $30–$56
Service Fee $100–$150
Response Time 2-24 hours
2-10 Home Buyers Warranty
Logo 2-10 Home Buyers Warranty
Star Rating
BBB Rating A
Monthly Cost $27–$70
Service Fee $65–$100
Response Time Up to 48 hours

Frequently Asked Questions

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 855-412-2342 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 with ServicePlus?

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.

Company Information

  • Company name: ServicePlus Home Warranty
  • CEO: Ronald Seruya, President
  • Address: 518 Old Post Road, Suite 7 #315
  • City/State: Edison, New Jersey
  • Zip code: 08817-4683

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.