ServicePlus Home Warranty, previously branded as Total Home Protection, is fairly new to the home warranty industry. Since affordability is a main factor for this provider, it may be a solid choice for homeowners on a budget. However, its lack of coverage options may not suit some homeowners with larger homes. Read on to learn if ServicePlus Home Warranty is the best home warranty company for your needs.
Pros and Cons of ServicePlus Home Warranty
Pros
- 90-day parts guarantee
- 24/7 claim hotline and online customer portal
Cons
- 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 and 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 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.
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:
- 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 preexisting 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. According to our 2025 survey of 2,000 homeowners who own a home warranty, the average cost of a home warranty plan is $649 per year.
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.
| 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.
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 California, Nevada, New York, and Washington. If you live in one of these states, consider checking out these articles:
- Top-Rated California Home Warranty Companies
- Best Home Warranty Companies in Nevada
- Our Recommended New York Home Warranty Providers
- Recommended Home Warranty Companies in 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 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., via BBB
“The managers are always unavailable and never return phone calls.” —Cherie B., via BBB
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.
Common Home Warranty Red Flags
Not all home warranties provide the same level of protection, and some may include hidden pitfalls that affect coverage and costs. Before signing up with a provider, look out for these common red flags:
- Difficult claims process: Complicated claim procedures, lengthy approval times, and excessive documentation requirements can delay repairs.
- High service fees and hidden costs: Some companies charge excessive service fees per claim or impose unexpected charges for emergency repairs.
- Limited contractor networks: Some providers use a restricted network of service technicians, which may lead to delays or subpar repair quality.
- Low payouts: Many home warranty providers set low reimbursement limits that may not cover the full cost of repairs or replacements.
- Negative customer reviews: Check online for poor customer ratings on third-party review sites such as Trustpilot or the BBB. Frequent complaints about denied claims, poor customer service, or misleading contract terms can signal an unreliable company.
- Strict coverage limitations: Some residential service contracts may exclude specific components of covered systems and appliances, leaving homeowners with surprise out-of-pocket costs.
Our Final Take on ServicePlus Home Warranty
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 higher monthly costs, low coverage caps, and reputation issues give us reasons to suggest other providers. Also, the company’s coverage caps range between $200 and $500. These payouts are quite low compared to other companies such as American Home Shield and Liberty Home Guard.
Comparing Top Home Warranty Companies
The table below highlights the monthly costs and service fees of several popular home warranty companies.
| Company | Star Rating | BBB Rating | Monthly Cost | Service Fee |
|---|---|---|---|---|
A+ | $57–$68 | $65–$125 | ||
B | $36–$100 | $100–$125 | ||
B- | $44–$48 | $60–$75 | ||
B | $45–$60 | $70 ($150 for after hours and weekends) | ||
B | $77–$130 | $100–$125 | ||
B | $44–$82 | $75–$125 | ||
B+ | $51–$68 | $100–$150 | ||
A | $27–$61 | $65–$100 |
FAQs 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 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.
Our Rating Methodology
We use a detailed rating methodology to objectively score each home warranty company we review. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and running focus groups and homeowner surveys.
We use this information to score each provider in six comparison categories that we think are most important when choosing a home warranty. We rate each provider across 23 factors within those categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We convert the final scores to a 5-star rating.
Here’s a breakdown of our weighted factors:
- Coverage (35%): This category looks at how comprehensive each provider’s coverage is, including whether it covers unique items. Companies that cover the most items and have higher annual limits received the highest scores. We docked points from providers that impose long waiting periods or have depreciation policies that decrease your payouts for aging items.
- Cost (20%): We looked at average monthly prices and service call fees. We gave the most points to companies offering pricing at or below the industry average that don’t impose any surcharges or extra fees.
- Trustworthiness (15%): To gauge reputation and reliability, we reviewed customer ratings across sites such as the Better Business Bureau and Trustpilot, as well as companies’ responses to complaints. We also checked for National Home Service Contract Association (NHSCA) membership. Providers with the highest ratings and longest workmanship guarantees received higher scores. We deducted points for any ongoing legal issues.
- Plan transparency (10%): We read terms, policies, and disclosures in provided contracts and on each company’s website. Providers with transparent contract details and policies received more points.
- Customer support (10%): Companies with multiple claims filing options, fast response times, and accessible customer support scored well in this category.
- Flexibility (10%): We awarded more points to providers offering more plan options, larger add-on catalogs, the ability to choose your own technician, and customer-friendly cancellation policies.
