ServicePlus Home Warranty Review | 2021

·8 min read

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Considering ServicePlus Home Warranty (formerly Total Home Protection) as your home warranty provider? It's a relatively new home warranty company and is temporarily offering $200 off and two months free to homeowners who sign up for a plan.

The Home Service Research Team has reviewed and analyzed the company's coverage plans, cost, and claims process. We will give our verdict on whether this provider is the best home warranty company for you and your home.

To get a free quote from ServicePlus, call 478-210-5091 or fill out this online form.

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Pros & Cons of ServicePlus Home Warranty

ServicePlus Home Warranty Background & State Availability

ServicePlus Home Warranty is a fairly new player in the home warranty industry. Founded in 2016 and previously known as Total Home Protection, ServicePlus Home provides industry-standard home warranties across the United States. It has a 24/7 customer support line, affordable plans, and a wide range of add-on options.

  • Years in Business: 6 years

  • BBB Rating: Not Ranked

  • State Availability: 48*

*ServicePlus Home Warranty is unavailable in California and Nevada.

ServicePlus Home Warranty Plans & Coverage

ServicePlus Home Warranty offers two home warranty plans—The Gold Plan, which is best for essential appliances, and the Platinum Plan, which is best for home systems.

Optional Add-ons

ServicePlus Home Warranty offers 17 optional add-ons, including the following:

  • Appliances: Central vacuum, second refrigerator, stand alone freezer, refrigerator ice maker, free-standing ice maker, additional garage door opener

  • Systems: Septic system, additional A/C system, additional heating system

  • Plumbing/Water: Sump pump, well pump, septic plumbing, water softener, additional water heater

  • Other: Pool/spa, additional spa, limited roof leak

Coverage Limits

ServicePlus Home Warranty does not cover all systems and appliances, and there are coverage restrictions even within the items included in your plan. This is common among home warranty companies but is worth noting.

ServicePlus Home Warranty requires that all covered appliances and systems be located inside the home or garage. Air conditioning, pools, spas, septic systems, and well pumps are exceptions to this requirement.

Below are some of the major highlights of what's excluded from ServicePlus Home Warranty's coverage:

  • Air Conditioning: Only provides coverage for air conditioner units up to a five-ton capacity. There are also mechanical parts and components excluded from coverage, such as filters, condenser casings, registers and grills, water towers, humidifiers, and window units.

  • Refrigerator: Your refrigerator must be located in the kitchen in order to receive coverage. Some refrigerator parts are excluded from coverage, such as exclusions racks, shelves, glass, handles, doors, hinges, seals, and gaskets. Leakage or noise caused by mechanical failure are also not covered.

Here are a few more 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 or misuse, chemical or sedimentary buildup, or collapsed ductwork

  • Items that are deemed defective by the Consumer Product Safety Commission or the manufacturer

  • Malfunctions attributed to mold or mildew, virus, bacteria, or fungus

  • Malfunctions due to lightning strikes, missing parts, animal, pet or pest damage, power failure, power surge, or any natural disaster

  • Cosmetic defects

  • Routine maintenance

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ServicePlus Home Warranty Cost

Based on the quotes our team received, ServicePlus Home Warranty monthly premiums range from $54–$60 per month. ServicePlus also charges a $75 service fee.

*Cost data based on a sample quote for a home located in Raleigh, North Carolina. Prices may vary based on the size of your home, where you live, and the coverage plan you select.

Coverage Caps

ServicePlus features a per contract cap of $1,500 for access, diagnosis, repair, or replacement of covered items.

Below are the coverage caps for systems and appliances covered in ServicePlus' plans:

  • Ceiling and Exhaust Fan: $400

  • Lawn Sprinkler System: $200

  • Refrigerant: $10 per pound per occurrence

  • Refrigerator Ice Maker: $200

  • Septic Tank Pumping: $200

ServicePlus Home Warranty Reviews

When completing research on ServicePlus Home Warranty, our review team found that the company's reputation is questionable. ServicePlus reviews from customers have been mixed, and the company is not accredited by the Better Business Bureau (BBB). It currently has 210 customer reviews on the site.

Here's a sampling of ServicePlus Home Warranty reviews from BBB:

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., 1/8/2020

Excellent service. Not only prompt but early.

—Andrew D., 1/15/2020

Company is a scam! NOTHING is covered.. their site randomly goes down... worthless.

—Noemi D., 7/16/2021

Awful. People should be warned. They have no idea what they are doing. There is no way to follow up on a claim. They have no vendors. They make excuses. They should be put out of business. Don't be fooled.

—Debra P., 7/2/2021

Lawsuits

In March 2020, the attorney general of Pennsylvania sued ServicePlus (then called "Total Home Protection") for allegedly wrongfully denying covered claims and failing to respond to consumer claims and inquiries. This dispute was settled in December 2021, and the provider agreed to pay $400,000 in consumer restitution and revise its business practices. We will continue to follow the progress on this closely and factor any meaningful changes the company makes into our reviews.

It's not uncommon for class-action lawsuits to be filed against home warranty companies, as many of the major providers we reviewed have faced lawsuits at some point in the last decade. However, ServicePlus Home Warranty has also received cease and desist orders in California and Nevada for unlawfully selling home warranties in these states.

How to Submit a Claim with ServicePlus Home Warranty

You can submit a claim with ServicePlus Home Warranty by calling the company's claims department at 1-800-545-0402 or by submitting a claim through your online account. The customer service department is available 24 hours a day, seven days a week. There's no limit on the number of claims you can submit with ServicePlus, but it's not clear how quickly the company responds to submitted claims.

Verdict & Recommendation

Compared to competitors, ServicePlus Home Warranty offers low monthly prices and a long list of add-on options. We like that the company has a 24/7 claims hotline, which is a plus for plan-holders when they need emergency service.

However, ServicePlus Home Warranty's ongoing legal issues give a reason for pause, and it offers fewer plan options than most other providers with only two core plans. If you're seeking a company with a strong reputation and key benefits like the ability to choose your own contractor, then it probably isn't the best option for you.

To get a free quote from ServicePlus Home Warranty, call 478-210-5091 or fill out this online form.

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Compare Home Warranty Companies

Our research team conducted an analysis of the major home warranty companies in the industry and ranked them on factors like cost, breadth of coverage, and customer reviews. American Home Shield and Choice Home Warranty received the highest marks in our research and are some of the best home warranty companies available.

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Best Overall

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Best Basic Plan

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Best Discounts

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Best Coverage Upgrade

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Best Plan Variety

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Best Membership Perks

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Home Warranty Rating Methodology

The Home Service Research Team at Better Homes & Gardens strives to provide unbiased and objective reviews to readers by compiling relevant information on home warranty companies and rating the providers on a variety of factors.

Here's what our review process looks like:

  • We examine each provider's website to determine plan details, coverage, customer service offerings, and other benefits. We also speak with company representatives to get more insight on plan details.

  • We read sample contracts from each home warranty company to analyze and compare coverage details, limits, and exclusions.

  • We read at least 100 third-party customer reviews for each home warranty company to determine the real-life benefits and drawbacks of each provider.

  • We gather cost information for a variety of home warranty plans in different states by completing online quote forms and speaking with sales representatives to simulate the quote process.

  • We revisit each company's offerings on a seasonal basis, ensuring that we include the most up-to-date information in our reviews.

We also created a 100-point rating system to score companies based on objective factors, such as plan options, coverage, and customer service:

Overall, the Home Service Research Team has reviewed over 70 home warranty companies to select the top-rated providers in the industry.

ServicePlus Home Warranty FAQ

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. If you cancel after the first 30 days of your policy, you will receive a refund based on the unexpired term, minus a $50 administrative fee and service costs.

Is there a fee to transfer my policy?

No, there is no fee to transfer your home warranty policy.

Is there a limit on the number of claims I can place?

No, there is no limit on the number of times you can request service. However, there are monetary limits on coverage according to your service agreement.

What is a home warranty?

A home warranty is a service contract that protects your systems and appliances when they need unexpected repairs and replacements. Instead of paying expensive, out-of-pocket costs whenever a home system or appliance breaks down, home warranty owners pay a small deductible of about $75 to $125 per service and a monthly premium of about $30 to $60. Many homeowners find that their home warranty plan gives them peace of mind and financial stability in regards to their systems and appliances.

What is a service fee?

A service fee is the amount charged per needed repair or replacement. The home warranty standard industry range is $75 to $125.

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