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Sears Home Warranty Review

Everyone wants to protect their house from large unexpected expenses. If you’re here, you’re probably considering a Sears home warranty purchase. Our team at ReviewHomeWarranties can help you with that, and provide all of the information you’d like to know. There are a lot of options to choose from when purchasing a home warranty. We know that there are also a lot of things to consider, so in our Sears home warranty review, we will describe every aspect of the company services in detail, including Sears home services warranty plans, coverage, costs, policies, trustworthiness, and customer feedback. Finding the right coverage will make sure you have the exact protection you need without paying extra money.

Official website:
Sears Home Warranty Reviews by Our Readers
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Covered States
Hawaii Alaska Florida New Hampshire Michigan Vermont Maine Rhode Island New York Pennsylvania New Jersey Delaware Maryland Virginia West Virginia Ohio Indiana Illinois Connecticut Wisconsin North Carolina District of Columbia Massachusetts Tennessee Arkansas Missouri Georgia South Carolina Kentucky Alabama Louisiana Mississippi Iowa Minnesota Oklahoma Texas New Mexico Kansas Nebraska South Dakota North Dakota Wyoming Montana Colorado Idaho Utah Arizona Nevada Oregon Washington California
Pros And Cons
  • Vast social media presence
  • Clients report fair compensation
  • Low cancellation fee
  • Different plan types available

  • Tricky terms and conditions
  • Delays in repairs reported
  • Limited coverage
  • Considerable negative feedback
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Covered Appliances and Systems
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view more
Air conditioner
Covered by Whole House Plan, Systems Plan (up to $1,000.00)
Covered as optional (up to $10,000.00)
Heating system
Covered by Whole House Plan, Systems Plan (up to $1,500.00)
Covered as optional (up to $10,000.00)
Ductwork
Covered by Whole House Plan, Systems Plan (up to $1,000.00)
Humidifier
Not covered
Air cleaner
Not covered
Vacuum
Not covered
Refrigerator
Covered by Whole House Plan, Appliance Plan (up to $1,000.00)
Refrigerator ice maker
Not covered
Free-standing ice maker
Not covered
Wine refrigerator
Not covered
Stand-alone freezer
Covered as optional (up to $10,000.00)
Microwave
Covered by Whole House Plan, Appliance Plan (up to $1,000.00)
Oven
Covered by Whole House Plan, Appliance Plan (up to $1,000.00)
Dishwasher
Covered by Whole House Plan, Appliance Plan (up to $1,000.00)
Water dispenser
Not covered
Trash compactor
Covered by Whole House Plan, Appliance Plan (up to $1,000.00)
Disposal
Covered by Whole House Plan, Systems Plan (up to $1,000.00)
Cooktop exhaust fan
Covered by Whole House Plan, Appliance Plan (up to $1,000.00)
Ceiling fan
Covered by Whole House Plan, Systems Plan (up to $1,000.00)
Attic fans
Not covered
Bath exhaust fan
Not covered
Whole house fan
Not covered
Washer
Covered by Whole House Plan, Appliance Plan (up to $1,000.00)
Dryer
Not covered
Plumbing
Covered by Whole House Plan, Systems Plan (up to $1,000.00)
Plumbing stoppages
Not covered
Water heater
Covered by Whole House Plan, Systems Plan (up to $1,000.00)
Covered as optional (up to $10,000.00)
Water purification
Not covered
Water softener
Covered by Whole House Plan, Systems Plan (up to $1,000.00)
Covered as optional (up to $10,000.00)
Well pump
Covered as optional (up to $10,000.00)
Toilet
Covered by Whole House Plan, Systems Plan (up to $1,000.00)
Septic
Covered as optional (up to $10,000.00)
Sump pump
Covered as optional (up to $10,000.00)
Septic tank pumping
Not covered
Outside sewer line
Not covered
Outside water line
Not covered
Electrical
Covered by Whole House Plan, Systems Plan (up to $1,000.00)
Generator
Not covered
Garage door
Covered by Whole House Plan, Systems Plan (up to $1,000.00)
Covered as optional
Doorbell
Not covered
Alarm
Not covered
Outside electrical line
Not covered
Outside gas line
Not covered
Pool
Covered as optional (up to $10,000.00)
Spa
Covered as optional (up to $10,000.00)
Pests
Not covered
Sprinkler
Not covered
Roof leaks
Not covered
our overall rating 74.40%
Updated for Jul 04, 2019
Facts and Figures
  • Effective in?
  • Hours 24/7
  • Cancellation$25
  • Premium $600 - $840
  • Deductible$75 - $100
  • Limits$1,000 - $1,500
Ratings
  • Trustworthiness:
  • Plans and Coverage:
  • Feedback:
  • The Fine Print:
  • Promotions:
  • Editor Rating:
  • Reader Rating:
Not available through RHW
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Our Top-Rated Alternatives to Sears Home Warranty

  # 1 Select Home Warranty
Editorial Rating 98.5
  • 24/7 service calls
  • Great annual promotions
  • Good selection of plans
  • High contractor professionalism
  • Quick replacement payments
  • First 30 days: Free cancellation
  # 2 Choice Home Warranty
Editorial Rating 96.8
  • 24/7 service calls
  • Market veteran
  • Large and established firm
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 3 First American Home Warranty
Editorial Rating 93.1
  • 24/7 service calls
  • Market veteran
  • Large and established firm
  • Excellent BBB rating B+
  • Accredited by BBB
  • Low optional coverage costs
Editorial Notes

Sears Home Warranty has been serving clients across the entire USA for more than two decades, which indicates its solid reputation.

The home warranty coverage limits in this company are pretty high, while the reviews of Sears home warranty plans showed that they are slightly more expensive than many other home warranty plans, which means that Sears Home Warranty provides a great value for the money.

The company’s benefits—such as long-standing reputation, trusted name, simple service contract, and emergency service—make Sears Home Warranty a good choice if you’re looking for a company with high coverage limits and want to get a lot of value for your money.

However, despite all of these advantages, it is limited in the selection of optional coverage and generally has poor home services warranty plans compared to its competitors. Reading this Sears Home Warranty review and the advertiser disclosure in full will help you summarize the company's strong and weak points and make the informed decision in regards to purchasing a home warranty plan with this company for your home systems and appliances. 

Summary rating:
Value for money:
Awful
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Trustworthiness

To know whether Sears home services warranty is reliable or not, our team has gathered and analyzed information about the company available on the internet, such as consumer reporting sites and the official website of the company.

Legal
Ownership
Transform SR Brands LLC
Established
2019
CEO
Registered in
Wilmington, DE
Address
1209 Orange St, Wilmington, DE 19801
Available states
All except: Alaska, Hawaii
Full list of states
Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming, District of Columbia
Type of company (private, public)
Private
Mediation and arbitration bodies
Disputes are resolved in Small Claims Court

Sears Home Warranty is a part of the well-known Sears Holdings Corporation. It was established in 1992 and is headquartered in Hoffman Estates, IL. The company covers the whole territory of the USA except two states—Alaska and Hawaii. Most of the Sears home warranty complaints are solved internally. However, if you’re not satisfied with the company’s services, you can open a dispute, which will be resolved in Small Claims Court.

Accessibility
How to contact
Main Page >> Contact Us
Online chat
Yes
Social media

Accessibility is another important component of the company’s reliability. Sears Home Warranty’s customer service is available around the clock. To contact the company, you can call, or visit their official website and fill in the contact form. There is also an online chat available, which you can use for quick access to the company’s representatives. Moreover, the company is widely represented in social media—Facebook, Twitter, YouTube, Pinterest, and Google+.

Benchmarks
Sears Home Warranty
Other companies
Company size
No data
0
1,650
Annual revenue
No data
0
$1,276,000,000
Number of homeowners
No data
0
2,200,000
Number of BBB complaints closed within last 3 years
11,607
0
12,770
Traffic
19,100
0
383,900
Number of independent contractors
No data
0
44,000
Reputation
BBB accreditation
A- (Accredited)

Sears Home Warranty BBB rating is A-, which may be a good sign of the company's reliability. 

Trustworthiness Rating
4.4 / 5.0
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Coverage

In this section of our Sears home warranty review, we will try to explain in detail the Sears Home Warranty plans and coverage. Nevertheless, you should decide whether you need to cover only your home systems, appliances, or both. Maybe you have a pool and want it covered too. Careful consideration of your needs will help you to choose the right Sears home services warranty plan and save you money on any breakdowns.

Sears Home Warranty provides three plans—Appliance, Systems, and Combo Plan, which will cost you between $49.99 and $69.99. This variation of Sears Home Warranty plans is convenient since you can choose to cover only your home appliances, systems, or have whole house coverage. 

The average home warranty cost of the home appliance insurance is $456 per year, while Sears Home Warranty’s Appliance Plan costs $49.99 per month, or $600 per year, which is a little more expensive. However, the service call fee for Sears home appliance warranty is $75, which is the industry average.

The Sears Appliance Plan covers cooktop exhaust fan, built-in dishwasher, microwave, oven, refrigerator or combination of refrigerator and freezer, built-in trash compactor, and washer with a limit up to $1,000. Additionally, you can purchase the coverage for an air conditioner, garage door, heating system, water heater, and water softener. This plan is appropriate for homeowners who don’t need any warranty for their major home systems, or if they’re just renting a house.

The Systems Plan is suitable for those who have new home appliances that are still under the manufacturer's warranty. It costs $59.99 per month, or $720 a year, while the industry average home warranty cost for this type of plan is $472, again making the Sears Home Warranty program price higher. Note that the deductible for the Systems Plan is $100.

The Systems Plan covers the replacement or repair of your home’s key systems such as air conditioner, ceiling fan, disposal, ductwork, electrical, garage door, plumbing, toilet, water heater, and water softener with a limit up to $1,000, and heating system with a limit up to $1,500.

The Whole House Plan provides the most comprehensive coverage for the entire house—as the name implies—home appliances and major home systems. It will cost you $69.99 per month, or $840 per year. While this Sears home services plan is the most expensive of the three, it is also the best value. Covering your appliances and systems together will save you $40 a month in comparison with the purchase of the appliance and systems plans separately.

As we see, the prices of Sears Home Warranty are relatively high compared to the industry average despite their poor coverage plans. The minimal coverage term fro Sears home services warranty is one month. Deductibles are $75 to $100, which can be compared to 2-10 Home Buyers Warranty or Home Security of America.

The coverage limits in Sears home warranty program are $1,000 to $1,500 for all three plans, but the limit for the optional coverage is much higher, up to $10,000. All Sears home services warranty plans can be upgraded for an additional fee including optional coverage for pool or spa, septic system, stand-alone freezer, sump pump, or well pump.

Summary of plans and coverage:
Coverage Term
Service Call Fee
Items
Limit
Platinum Combo Plan
Gold Systems Plan
Optional Coverage
Premium Amount
$69.99
$59.99
$24.00 - $115.00
 
Coverage
$1,000.00 - $10,000.00
72%
43%
19%
Coverage details
Air conditioner
$1,000.00
$85.00
Details
Covered by SHW
  • Accessible ductwork from the air conditioning unit to the point of attachment at registers/grills
  • Air handler
  • Blower fan motors
  • Capacitors
  • Compressors
  • Condensers
  • Condenser fan motors
  • Condenser coils
  • Evaporator coils
  • Fan blades
  • Refrigerant gas lines interior to the unit
  • Internal system controls
  • Internal wiring
  • Motors (excludes dampers)
  • Primary/secondary condensate drain pans
  • Refrigerant (excludes reclamation)
  • Refrigerant filter dryer
  • Refrigerant piping (excluding inter-connecting line sets and geo-thermal piping)
  • Relays
  • Reversing valves
  • Switches and controls
  • Thermostats (electronic set back units will be replaced only with standard units)
Not Covered by SHW
  • Primary/secondary condensate, pumps, and lines
  • Asbestos insulated ductwork or piping
  • Concrete encased or inaccessible ductwork
  • Dampers
  • Filters (including electronic/electrostatic and de-ionizing filter systems)
  • Fossil fuel control systems and other energy management systems and controls
  • Geothermal piping
  • Heat recovery unit
  • Humidifiers
  • Interconnecting refrigerant lines (external of the equipment)
  • Panels and/or cabinetry
  • Registers and grills
  • Recapture/reclaim of refrigerant
  • Structural components
  • Water pumps, valves and lines (external of the condenser unit)
  • Wall units (except as noted above)
  • Window units and water cooling towers
  • Gas systems, including ammonia systems, and chilled water systems
Ceiling fan
$1,000.00
Details
Covered by SHW
No Info
Not Covered by SHW
No Info
Cooktop exhaust fan
$1,000.00
Details
Covered by SHW
No Info
Not Covered by SHW
No Info
Dishwasher
$1,000.00
Details
Covered by SHW
  • Icemakers and ice and water dispensers built into the primary refrigerator (excluding external water supply lines)
  • Automatic soap dispenser
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Clothes dryer heating elements
  • Clothes dryer drum
  • Clothes dryer drum rollers
  • Defrost heaters
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Igniter and pilot assemblies
  • Internal wiring
  • Latch assemblies
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners
  • Solid state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Washing machine tubs, agitators and door seals (front load washers only)
  • Water valves (dishwasher, clothes washer and refrigerator only)
Not Covered by SHW
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals (other than for front load washers)
  • Drawers
  • Drip pans
  • Exhaust fan not solely for venting range/cooktop fumes
  • Filters and screens
  • Food spoilage
  • Standalone or self-contained icemakers and ice/water dispensers
  • External water supply lines
  • Independent telescoping range exhaust
  • Interior lining
  • Internal shelves
  • Knobs and handles
  • Light bulbs and fixtures
  • Lock and key assemblies
  • Panels and/or cabinetry
  • Racks
  • Removable minibus
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Trays
  • Dishwasher and trash compactor tubs
  • Venting
  • Conditions of water flow restriction due to scale, minerals and other deposits
Disposal
$1,000.00
Details
Covered by SHW
No Info
Not Covered by SHW
No Info
Ductwork
$1,000.00
Details
Covered by SHW
No Info
Not Covered by SHW
No Info
Electrical
$1,000.00
Details
Covered by SHW
  • Standard mechanical parts or components located within the perimeter of the outer load bearing walls consisting of the following
  • Ceiling fan motors and their controls (excluding transmitters and remotes)
  • One (1) garage door opener
  • Interior standard light switches
  • Smoke detectors including battery and hardwire systems
  • Main breaker or fuse panel/box receptacles and general line voltage wiring
Not Covered by SHW
  • Attic, bathroom, and/or whole house exhaust fans
  • Batteries
  • Direct current (DC) wiring and systems
  • Door bells and chimes
  • Exterior wiring and components (except main panels mounted to exterior wall)
  • Any wiring or components servicing a detached structure
  • Exhaust fans
  • Fire, carbon monoxide alarm and/or detection systems and batteries
  • Garage door assemblies including door panels, tracks, rollers, hinges, cables and springs
  • Intercom or speaker systems
  • Lighting fixtures
  • Load control devices
  • Low voltage systems including wiring and relays
  • Sending units
  • Service entrance cables
  • Telephone systems
  • Timers
  • Touch pad assemblies
  • Transmitters and remotes
  • Utility meter base pans
  • Wall fans
  • Failures and conditions caused by inadequate wiring capacity, circuit overload, power failure/shortage or surge, and corrosion caused by moisture
Garage door
$1,000.00
$24.00
Details
Covered by SHW
No Info
Not Covered by SHW
No Info
Heating system
$1,500.00
$115.00
Details
Covered by SHW
  • Accessible ductwork from covered heating unit to point of attachment to register/grill
  • Blower fan motors
  • Burners
  • Controls
  • Fan blades
  • Heat/cool thermostats (electronic set back units will be replaced only with standard units)
  • Heat exchangers
  • Heating elements
  • Igniter and pilot assemblies
  • Internal system controls, wiring, and relays
  • Motors (excludes dampers)
  • Switches
  • Electric baseboard units are covered if they are the primary source of heating for the property
Not Covered by SHW
  • Chimneys, flues, and liners
  • Cleaning and re-lighting of burners
  • Concrete encased or inaccessible ductwork
  • Concrete encased steam or radiant heating coils or lines
  • Conditions of water flow restriction due to scale, minerals and other deposits
  • Fossil fuel control systems and other energy management systems and controls
  • Dampers
  • Asbestos insulated ductwork or piping
  • Electric baseboard heat unless primary heating system in home
  • Filters (including electronic/electrostatic and de-ionizing filter systems); fireplaces and their respective components and gas lines
  • Freestanding or portable heating units
  • Fuel storage tanks, lines, and filters
  • Gas log systems, including gas feed lines
  • Humidifiers
  • Inaccessible water/steam lines leading to or from system
  • Individual space heaters
  • Maintenance and cleaning
  • Panels and/or cabinetry
  • Pressure regulators
  • Radiant heating systems built into walls, floors or ceilings
  • Registers and grills
  • Secondary units
  • Solar heating devices and components
  • Structural components
Microwave
$1,000.00
Details
Covered by SHW
  • Automatic soap dispenser
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Clothes dryer heating elements
  • Clothes dryer drum
  • Clothes dryer drum rollers
  • Defrost heaters
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Igniter and pilot assemblies
  • Internal wiring
  • Latch assemblies
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners
  • Solid state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Washing machine tubs, agitators and door seals (front load washers only)
  • Water valves (dishwasher, clothes washer and refrigerator only)
Not Covered by SHW
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals (other than for front load washers)
  • Drawers
  • Drip pans
  • Exhaust fan not solely for venting range/cooktop fumes
  • Filters and screens
  • Food spoilage
  • Standalone or self-contained icemakers and ice/water dispensers
  • External water supply lines
  • Independent telescoping range exhaust
  • Interior lining
  • Internal shelves
  • Knobs and handles
  • Light bulbs and fixtures
  • Lock and key assemblies
  • Panels and/or cabinetry
  • Racks
  • Removable minibus
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Trays
  • Dishwasher and trash compactor tubs
  • Venting
  • Conditions of water flow restriction due to scale, minerals and other deposits
Oven
$1,000.00
Details
Covered by SHW
  • Automatic soap dispenser
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Clothes dryer heating elements
  • Clothes dryer drum
  • Clothes dryer drum rollers
  • Defrost heaters
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Igniter and pilot assemblies
  • Internal wiring
  • Latch assemblies
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners
  • Solid state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Washing machine tubs, agitators and door seals (front load washers only)
  • Water valves (dishwasher, clothes washer and refrigerator only)
Not Covered by SHW
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals (other than for front load washers)
  • Drawers
  • Drip pans
  • Exhaust fan not solely for venting range/cooktop fumes
  • Filters and screens
  • Food spoilage
  • Standalone or self-contained icemakers and ice/water dispensers
  • External water supply lines
  • Independent telescoping range exhaust
  • Interior lining
  • Internal shelves
  • Knobs and handles
  • Light bulbs and fixtures
  • Lock and key assemblies
  • Panels and/or cabinetry
  • Racks
  • Removable minibus
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Trays
  • Dishwasher and trash compactor tubs
  • Venting
  • Conditions of water flow restriction due to scale, minerals and other deposits
Plumbing
$1,000.00
Details
Covered by SHW
  • Mechanical parts and components of the following: garbage disposal; interior hose bibs; shower and tub valves; faucets, should we choose to replace a faucet the replacement will be builder’s standard; toilet tanks, bowls, and toilet mechanisms within the toilet tank.
  • The clearing of plumbing stoppages using standard snake/auger systems, of drain, waste or vent lines up to 100 feet from point of access where accessible ground level cleanout is existing, and which can be cleared with standard cable.
  • Leaks and breaks, of water, gas, drain, waste and vent lines/pipes within the perimeter of the main foundation are also covered.
  • All toilets within the perimeter of the main foundation.
Not Covered by SHW
  • All plumbing in or under the ground, foundation or slab
  • All piping and plumbing outside of the perimeter of the foundation
  • Any piping or plumbing in a detached structure
  • Bath tubs
  • Bidets
  • Caulking or grouting
  • Color or purity of the water in the system
  • Stoppage of concrete encased plumbing
  • Any fees for locating, accessing or installing cleanouts
  • Removal of water closets/toilets in order to clear stoppages, any fees for photo/video equipment, hydro-jetting equipment
  • Jet or steam clearing
  • Chemicals
  • Stoppages caused by root invasion
  • Stoppages caused by foreign objects, such as but not limited to, toys, bottle caps, etc.
  • Conditions of insufficient or excessive water pressure
  • Conditions of water flow restriction due to scale, minerals and other deposits
  • Exterior hose bibs
  • Freeze damage
  • Holding and pressure tanks
  • Inaccessible plumbing
  • Concrete encased plumbing
  • Jet pumps
  • Laundry tubs/sink
  • Lawn sprinkler systems
  • Pressure regulating devices
  • Repair and finish of any walls, floors or ceilings where it is necessary to break through to effect repairs
  • Septic tanks and systems in or outside of the home
  • Sewage ejector pumps
  • Sewer and water laterals
  • Shower enclosures and base pans
  • Shower heads
  • Sinks
  • Solar systems
  • Sump pumps
  • Toilet tank lids and toilet seats
  • Water damage
  • Water filters
  • Water purification systems
  • Wells and well pumps
  • Whirlpools, spas and their respective plumbing and mechanical components
Refrigerator
$1,000.00
Details
Covered by SHW
  • Icemakers and ice and water dispensers built into the primary refrigerator (excluding external water supply lines)
  • Automatic soap dispenser
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Clothes dryer heating elements
  • Clothes dryer drum
  • Clothes dryer drum rollers
  • Defrost heaters
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Igniter and pilot assemblies
  • Internal wiring
  • Latch assemblies
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners
  • Solid state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Washing machine tubs, agitators and door seals (front load washers only)
  • Water valves (dishwasher, clothes washer and refrigerator only)
Not Covered by SHW
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals (other than for front load washers)
  • Drawers
  • Drip pans
  • Exhaust fan not solely for venting range/cooktop fumes
  • Filters and screens
  • Food spoilage
  • Standalone or self-contained icemakers and ice/water dispensers
  • External water supply lines
  • Independent telescoping range exhaust
  • Interior lining
  • Internal shelves
  • Knobs and handles
  • Light bulbs and fixtures
  • Lock and key assemblies
  • Panels and/or cabinetry
  • Racks
  • Removable minibus
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Trays
  • Dishwasher and trash compactor tubs
  • Venting
  • Conditions of water flow restriction due to scale, minerals and other deposits
Toilet
$1,000.00
Details
Covered by SHW
No Info
Not Covered by SHW
No Info
Trash compactor
$1,000.00
Details
Covered by SHW
  • Automatic soap dispenser
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Clothes dryer heating elements
  • Clothes dryer drum
  • Clothes dryer drum rollers
  • Defrost heaters
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Igniter and pilot assemblies
  • Internal wiring
  • Latch assemblies
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners
  • Solid state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Washing machine tubs, agitators and door seals (front load washers only)
  • Water valves (dishwasher, clothes washer and refrigerator only)
Not Covered by SHW
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals (other than for front load washers)
  • Drawers
  • Drip pans
  • Exhaust fan not solely for venting range/cooktop fumes
  • Filters and screens
  • Food spoilage
  • Standalone or self-contained icemakers and ice/water dispensers
  • External water supply lines
  • Independent telescoping range exhaust
  • Interior lining
  • Internal shelves
  • Knobs and handles
  • Light bulbs and fixtures
  • Lock and key assemblies
  • Panels and/or cabinetry
  • Racks
  • Removable minibus
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Trays
  • Dishwasher and trash compactor tubs
  • Venting
  • Conditions of water flow restriction due to scale, minerals and other deposits
Washer
$1,000.00
Details
Covered by SHW
  • Icemakers and ice and water dispensers built into the primary refrigerator (excluding external water supply lines)
  • Automatic soap dispenser
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Clothes dryer heating elements
  • Clothes dryer drum
  • Clothes dryer drum rollers
  • Defrost heaters
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Igniter and pilot assemblies
  • Internal wiring
  • Latch assemblies
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners
  • Solid state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Washing machine tubs, agitators and door seals (front load washers only)
  • Water valves (dishwasher, clothes washer and refrigerator only)
Not Covered by SHW
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals (other than for front load washers)
  • Drawers
  • Drip pans
  • Exhaust fan not solely for venting range/cooktop fumes
  • Filters and screens
  • Food spoilage
  • Standalone or self-contained icemakers and ice/water dispensers
  • External water supply lines
  • Independent telescoping range exhaust
  • Interior lining
  • Internal shelves
  • Knobs and handles
  • Light bulbs and fixtures
  • Lock and key assemblies
  • Panels and/or cabinetry
  • Racks
  • Removable minibus
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Trays
  • Dishwasher and trash compactor tubs
  • Venting
  • Conditions of water flow restriction due to scale, minerals and other deposits
Water heater
$1,000.00
$60.00
Details
Covered by SHW
  • Mechanical parts and components affecting the proper operation of one (1) water heater/tankless, including circulatory pumps and domestic hot water coils attached to boilers
  • Includes mechanical failure resulting from sediment build up
Not Covered by SHW
  • Auxiliary and secondary holding/storage tanks
  • Base pans
  • Color or purity of water
  • Flues
  • Vent pipes/lines
  • Insulation and insulation blankets
  • Heat recovery units
  • Any noise without a related mechanical failure
  • Point of service and/or hot water dispensers
  • Racks
  • Straps
  • Timers
  • Sediment build-up
  • Solar heaters, including all parts and components
Water softener
$1,000.00
$72.00
Details
Covered by SHW
  • Mechanical parts and components affecting the proper operation of a basic single water softener unit, including central head assembly
  • Multi-level/twin softeners
  • Piping to and from unit(s) and system tanks
Not Covered by SHW
  • Any and all treatment, purification, odor control, iron filtration components and systems
  • Discharge drywells
  • Failure due to excessive water pressure or freeze damage
  • Failures due to mineral and/or sediment
  • Resin bed replacement and salt
Spa
$10,000.00
-
Details
Covered by SHW
  • Above ground accessible piping lines leading to and from the unit
  • Air pumps
  • Blower motor
  • Filters (housings, laterals, pressure gauges, back flush valves)
  • Gaskets
  • Primary circulator pump and motor
  • And relays and impellers
  • Internal spa pack heater
  • Internal switches
  • Primary circulator pump and motor
  • Relays
  • One (1) heater with respect to mechanical components and parts of gas, electric, oil, and heat pump units
Not Covered by SHW
  • Automatic feeders and chemicals
  • Chlorinators
  • “Creepy crawlers” and similar cleaning units
  • Electrical lines;
  • Filter elements or media (i.e., cartridges, grids and sand)
  • Refrigerant reclamation
  • Heater cabinetry and structural components
  • Jets
  • Lighting
  • Pop up heads and turbo valves
  • Portable spas or spas without hard pipe or hard wire installation
  • Secondary/auxiliary cleaning equipment and accessories including built-in or detachable cleaning equipment
  • Skimmers
  • Solar heaters and related components
  • Structure, liner or shell of the pool and/or spa
  • Timer and remote control systems and their components
  • Inaccessible underground and/or concrete encased plumbing
Pool
$10,000.00
-
Details
Covered by SHW
  • Above ground accessible piping lines leading to and from the unit
  • Air pumps
  • Blower motor
  • Filters (housings, laterals, pressure gauges, back flush valves)
  • Gaskets
  • Primary circulator pump and motor
  • And relays and impellers
  • Internal spa pack heater
  • Internal switches
  • Primary circulator pump and motor
  • Relays
  • One (1) heater with respect to mechanical components and parts of gas, electric, oil, and heat pump units
Not Covered by SHW
  • Automatic feeders and chemicals
  • Chlorinators
  • “Creepy crawlers” and similar cleaning units
  • Electrical lines;
  • Filter elements or media (i.e., cartridges, grids and sand)
  • Refrigerant reclamation
  • Heater cabinetry and structural components
  • Jets
  • Lighting
  • Pop up heads and turbo valves
  • Portable spas or spas without hard pipe or hard wire installation
  • Secondary/auxiliary cleaning equipment and accessories including built-in or detachable cleaning equipment
  • Skimmers
  • Solar heaters and related components
  • Structure, liner or shell of the pool and/or spa
  • Timer and remote control systems and their components
  • Inaccessible underground and/or concrete encased plumbing
Septic
$10,000.00
-
Details
Covered by SHW
  • This plan covers the mechanical parts and components of one (1) sewage ejector pump (located within the perimeter of the main foundation)
  • The clearing of stoppages within the connecting waste line (leading from the house to the primary septic tank ) which are attributable to normal wear and tear and can be accessed through an existing clean out without excavation
Not Covered by SHW
  • Broken or collapsed sewer lines; tile fields; leach beds; leach lines; lateral lines; insufficient capacity; seepage pits; cesspools and sewage ejector pumps not associated with the septic system
  • We do not cover the cost associated with locating or gaining access to the septic tank or sewer hook-ups nor do we cover the cost of installing cleanouts or hook ups if they do not already exist; disposal of waste; chemical treatments of the septic tank or sewer lines, stoppages caused by root invasion and/or stoppages caused by foreign objects, such as but not limited to, toys and bottle caps
Stand-alone freezer
$10,000.00
-
Details
Covered by SHW
  • Compressor
  • Condensers
  • Defrost heaters
  • Electronic components
  • Evaporators
  • Fan motors
  • Hinges
  • Ice maker
  • Motors
  • Power cords
  • Solid state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
Not Covered by SHW
  • Automatic deodorizers
  • Commercial units
  • Doors
  • Door cables
  • Door glass
  • Door seals
  • Drawers
  • Drip pans
  • Filters and screens
  • Food spoilage
  • External water supply lines
  • Reclaim of refrigerant
  • Interior lining
  • Internal shelves
  • Knobs and handles
  • Light bulbs and fixtures
  • Panels and/or cabinetry
  • Racks secondary units
  • Shelves
  • Structural components
Sump pump
$10,000.00
-
Details
Covered by SHW
  • Mechanical parts and components of the pump assembly located within the home and hard piped installed
Not Covered by SHW
  • Any unit located outside the covered property and/or within crawl spaces
  • Back-up power assemblies
  • Portable or non-hard piped installed unit
Well pump
$10,000.00
-
Details
Covered by SHW
  • Controls
  • Impellers
  • Motor
  • Pump
  • Seals
Not Covered by SHW
  • Contamination or lack of water
  • Excavation or other charges necessary to gain access to, or to remove, or to reset the pump
  • Failure attributed to well impurity
  • Joint wells
  • Piping and electrical lines leading to and from the unit
  • Pressure, holding or storage tank(s)
  • Re-drilling of wells
  • Auxiliary, secondary or booster pumps
  • Well casings
Premium Amount
Platinum Combo Plan
72%
$69.99
Gold Systems Plan
43%
$59.99
COVERAGE DETAILS
Air conditioner
Expand
Limit
$1,000.00
Platinum Combo Plan
Gold Systems Plan
Silver Appliance Plan
Optional Coverage
$85.00
Expand
Covered by SHW
  • Accessible ductwork from the air conditioning unit to the point of attachment at registers/grills
  • Air handler
  • Blower fan motors
  • Capacitors
  • Compressors
  • Condensers
  • Condenser fan motors
  • Condenser coils
  • Evaporator coils
  • Fan blades
  • Refrigerant gas lines interior to the unit
  • Internal system controls
  • Internal wiring
  • Motors (excludes dampers)
  • Primary/secondary condensate drain pans
  • Refrigerant (excludes reclamation)
  • Refrigerant filter dryer
  • Refrigerant piping (excluding inter-connecting line sets and geo-thermal piping)
  • Relays
  • Reversing valves
  • Switches and controls
  • Thermostats (electronic set back units will be replaced only with standard units)
Not Covered by SHW
  • Primary/secondary condensate, pumps, and lines
  • Asbestos insulated ductwork or piping
  • Concrete encased or inaccessible ductwork
  • Dampers
  • Filters (including electronic/electrostatic and de-ionizing filter systems)
  • Fossil fuel control systems and other energy management systems and controls
  • Geothermal piping
  • Heat recovery unit
  • Humidifiers
  • Interconnecting refrigerant lines (external of the equipment)
  • Panels and/or cabinetry
  • Registers and grills
  • Recapture/reclaim of refrigerant
  • Structural components
  • Water pumps, valves and lines (external of the condenser unit)
  • Wall units (except as noted above)
  • Window units and water cooling towers
  • Gas systems, including ammonia systems, and chilled water systems
Ceiling fan
Expand
Limit
$1,000.00
Platinum Combo Plan
Gold Systems Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by SHW
No Info
Not Covered by SHW
No Info
Cooktop exhaust fan
Expand
Limit
$1,000.00
Platinum Combo Plan
Gold Systems Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by SHW
No Info
Not Covered by SHW
No Info
Dishwasher
Expand
Limit
$1,000.00
Platinum Combo Plan
Gold Systems Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by SHW
  • Icemakers and ice and water dispensers built into the primary refrigerator (excluding external water supply lines)
  • Automatic soap dispenser
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Clothes dryer heating elements
  • Clothes dryer drum
  • Clothes dryer drum rollers
  • Defrost heaters
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Igniter and pilot assemblies
  • Internal wiring
  • Latch assemblies
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners
  • Solid state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Washing machine tubs, agitators and door seals (front load washers only)
  • Water valves (dishwasher, clothes washer and refrigerator only)
Not Covered by SHW
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals (other than for front load washers)
  • Drawers
  • Drip pans
  • Exhaust fan not solely for venting range/cooktop fumes
  • Filters and screens
  • Food spoilage
  • Standalone or self-contained icemakers and ice/water dispensers
  • External water supply lines
  • Independent telescoping range exhaust
  • Interior lining
  • Internal shelves
  • Knobs and handles
  • Light bulbs and fixtures
  • Lock and key assemblies
  • Panels and/or cabinetry
  • Racks
  • Removable minibus
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Trays
  • Dishwasher and trash compactor tubs
  • Venting
  • Conditions of water flow restriction due to scale, minerals and other deposits
Disposal
Expand
Limit
$1,000.00
Platinum Combo Plan
Gold Systems Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by SHW
No Info
Not Covered by SHW
No Info
Ductwork
Expand
Limit
$1,000.00
Platinum Combo Plan
Gold Systems Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by SHW
No Info
Not Covered by SHW
No Info
Electrical
Expand
Limit
$1,000.00
Platinum Combo Plan
Gold Systems Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by SHW
  • Standard mechanical parts or components located within the perimeter of the outer load bearing walls consisting of the following
  • Ceiling fan motors and their controls (excluding transmitters and remotes)
  • One (1) garage door opener
  • Interior standard light switches
  • Smoke detectors including battery and hardwire systems
  • Main breaker or fuse panel/box receptacles and general line voltage wiring
Not Covered by SHW
  • Attic, bathroom, and/or whole house exhaust fans
  • Batteries
  • Direct current (DC) wiring and systems
  • Door bells and chimes
  • Exterior wiring and components (except main panels mounted to exterior wall)
  • Any wiring or components servicing a detached structure
  • Exhaust fans
  • Fire, carbon monoxide alarm and/or detection systems and batteries
  • Garage door assemblies including door panels, tracks, rollers, hinges, cables and springs
  • Intercom or speaker systems
  • Lighting fixtures
  • Load control devices
  • Low voltage systems including wiring and relays
  • Sending units
  • Service entrance cables
  • Telephone systems
  • Timers
  • Touch pad assemblies
  • Transmitters and remotes
  • Utility meter base pans
  • Wall fans
  • Failures and conditions caused by inadequate wiring capacity, circuit overload, power failure/shortage or surge, and corrosion caused by moisture
Garage door
Expand
Limit
$1,000.00
Platinum Combo Plan
Gold Systems Plan
Silver Appliance Plan
Optional Coverage
$24.00
Expand
Covered by SHW
No Info
Not Covered by SHW
No Info
Heating system
Expand
Limit
$1,500.00
Platinum Combo Plan
Gold Systems Plan
Silver Appliance Plan
Optional Coverage
$115.00
Expand
Covered by SHW
  • Accessible ductwork from covered heating unit to point of attachment to register/grill
  • Blower fan motors
  • Burners
  • Controls
  • Fan blades
  • Heat/cool thermostats (electronic set back units will be replaced only with standard units)
  • Heat exchangers
  • Heating elements
  • Igniter and pilot assemblies
  • Internal system controls, wiring, and relays
  • Motors (excludes dampers)
  • Switches
  • Electric baseboard units are covered if they are the primary source of heating for the property
Not Covered by SHW
  • Chimneys, flues, and liners
  • Cleaning and re-lighting of burners
  • Concrete encased or inaccessible ductwork
  • Concrete encased steam or radiant heating coils or lines
  • Conditions of water flow restriction due to scale, minerals and other deposits
  • Fossil fuel control systems and other energy management systems and controls
  • Dampers
  • Asbestos insulated ductwork or piping
  • Electric baseboard heat unless primary heating system in home
  • Filters (including electronic/electrostatic and de-ionizing filter systems); fireplaces and their respective components and gas lines
  • Freestanding or portable heating units
  • Fuel storage tanks, lines, and filters
  • Gas log systems, including gas feed lines
  • Humidifiers
  • Inaccessible water/steam lines leading to or from system
  • Individual space heaters
  • Maintenance and cleaning
  • Panels and/or cabinetry
  • Pressure regulators
  • Radiant heating systems built into walls, floors or ceilings
  • Registers and grills
  • Secondary units
  • Solar heating devices and components
  • Structural components
Microwave
Expand
Limit
$1,000.00
Platinum Combo Plan
Gold Systems Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by SHW
  • Automatic soap dispenser
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Clothes dryer heating elements
  • Clothes dryer drum
  • Clothes dryer drum rollers
  • Defrost heaters
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Igniter and pilot assemblies
  • Internal wiring
  • Latch assemblies
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners
  • Solid state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Washing machine tubs, agitators and door seals (front load washers only)
  • Water valves (dishwasher, clothes washer and refrigerator only)
Not Covered by SHW
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals (other than for front load washers)
  • Drawers
  • Drip pans
  • Exhaust fan not solely for venting range/cooktop fumes
  • Filters and screens
  • Food spoilage
  • Standalone or self-contained icemakers and ice/water dispensers
  • External water supply lines
  • Independent telescoping range exhaust
  • Interior lining
  • Internal shelves
  • Knobs and handles
  • Light bulbs and fixtures
  • Lock and key assemblies
  • Panels and/or cabinetry
  • Racks
  • Removable minibus
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Trays
  • Dishwasher and trash compactor tubs
  • Venting
  • Conditions of water flow restriction due to scale, minerals and other deposits
Oven
Expand
Limit
$1,000.00
Platinum Combo Plan
Gold Systems Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by SHW
  • Automatic soap dispenser
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Clothes dryer heating elements
  • Clothes dryer drum
  • Clothes dryer drum rollers
  • Defrost heaters
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Igniter and pilot assemblies
  • Internal wiring
  • Latch assemblies
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners
  • Solid state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Washing machine tubs, agitators and door seals (front load washers only)
  • Water valves (dishwasher, clothes washer and refrigerator only)
Not Covered by SHW
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals (other than for front load washers)
  • Drawers
  • Drip pans
  • Exhaust fan not solely for venting range/cooktop fumes
  • Filters and screens
  • Food spoilage
  • Standalone or self-contained icemakers and ice/water dispensers
  • External water supply lines
  • Independent telescoping range exhaust
  • Interior lining
  • Internal shelves
  • Knobs and handles
  • Light bulbs and fixtures
  • Lock and key assemblies
  • Panels and/or cabinetry
  • Racks
  • Removable minibus
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Trays
  • Dishwasher and trash compactor tubs
  • Venting
  • Conditions of water flow restriction due to scale, minerals and other deposits
Plumbing
Expand
Limit
$1,000.00
Platinum Combo Plan
Gold Systems Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by SHW
  • Mechanical parts and components of the following: garbage disposal; interior hose bibs; shower and tub valves; faucets, should we choose to replace a faucet the replacement will be builder’s standard; toilet tanks, bowls, and toilet mechanisms within the toilet tank.
  • The clearing of plumbing stoppages using standard snake/auger systems, of drain, waste or vent lines up to 100 feet from point of access where accessible ground level cleanout is existing, and which can be cleared with standard cable.
  • Leaks and breaks, of water, gas, drain, waste and vent lines/pipes within the perimeter of the main foundation are also covered.
  • All toilets within the perimeter of the main foundation.
Not Covered by SHW
  • All plumbing in or under the ground, foundation or slab
  • All piping and plumbing outside of the perimeter of the foundation
  • Any piping or plumbing in a detached structure
  • Bath tubs
  • Bidets
  • Caulking or grouting
  • Color or purity of the water in the system
  • Stoppage of concrete encased plumbing
  • Any fees for locating, accessing or installing cleanouts
  • Removal of water closets/toilets in order to clear stoppages, any fees for photo/video equipment, hydro-jetting equipment
  • Jet or steam clearing
  • Chemicals
  • Stoppages caused by root invasion
  • Stoppages caused by foreign objects, such as but not limited to, toys, bottle caps, etc.
  • Conditions of insufficient or excessive water pressure
  • Conditions of water flow restriction due to scale, minerals and other deposits
  • Exterior hose bibs
  • Freeze damage
  • Holding and pressure tanks
  • Inaccessible plumbing
  • Concrete encased plumbing
  • Jet pumps
  • Laundry tubs/sink
  • Lawn sprinkler systems
  • Pressure regulating devices
  • Repair and finish of any walls, floors or ceilings where it is necessary to break through to effect repairs
  • Septic tanks and systems in or outside of the home
  • Sewage ejector pumps
  • Sewer and water laterals
  • Shower enclosures and base pans
  • Shower heads
  • Sinks
  • Solar systems
  • Sump pumps
  • Toilet tank lids and toilet seats
  • Water damage
  • Water filters
  • Water purification systems
  • Wells and well pumps
  • Whirlpools, spas and their respective plumbing and mechanical components
Refrigerator
Expand
Limit
$1,000.00
Platinum Combo Plan
Gold Systems Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by SHW
  • Icemakers and ice and water dispensers built into the primary refrigerator (excluding external water supply lines)
  • Automatic soap dispenser
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Clothes dryer heating elements
  • Clothes dryer drum
  • Clothes dryer drum rollers
  • Defrost heaters
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Igniter and pilot assemblies
  • Internal wiring
  • Latch assemblies
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners
  • Solid state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Washing machine tubs, agitators and door seals (front load washers only)
  • Water valves (dishwasher, clothes washer and refrigerator only)
Not Covered by SHW
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals (other than for front load washers)
  • Drawers
  • Drip pans
  • Exhaust fan not solely for venting range/cooktop fumes
  • Filters and screens
  • Food spoilage
  • Standalone or self-contained icemakers and ice/water dispensers
  • External water supply lines
  • Independent telescoping range exhaust
  • Interior lining
  • Internal shelves
  • Knobs and handles
  • Light bulbs and fixtures
  • Lock and key assemblies
  • Panels and/or cabinetry
  • Racks
  • Removable minibus
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Trays
  • Dishwasher and trash compactor tubs
  • Venting
  • Conditions of water flow restriction due to scale, minerals and other deposits
Toilet
Expand
Limit
$1,000.00
Platinum Combo Plan
Gold Systems Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by SHW
No Info
Not Covered by SHW
No Info
Trash compactor
Expand
Limit
$1,000.00
Platinum Combo Plan
Gold Systems Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by SHW
  • Automatic soap dispenser
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Clothes dryer heating elements
  • Clothes dryer drum
  • Clothes dryer drum rollers
  • Defrost heaters
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Igniter and pilot assemblies
  • Internal wiring
  • Latch assemblies
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners
  • Solid state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Washing machine tubs, agitators and door seals (front load washers only)
  • Water valves (dishwasher, clothes washer and refrigerator only)
Not Covered by SHW
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals (other than for front load washers)
  • Drawers
  • Drip pans
  • Exhaust fan not solely for venting range/cooktop fumes
  • Filters and screens
  • Food spoilage
  • Standalone or self-contained icemakers and ice/water dispensers
  • External water supply lines
  • Independent telescoping range exhaust
  • Interior lining
  • Internal shelves
  • Knobs and handles
  • Light bulbs and fixtures
  • Lock and key assemblies
  • Panels and/or cabinetry
  • Racks
  • Removable minibus
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Trays
  • Dishwasher and trash compactor tubs
  • Venting
  • Conditions of water flow restriction due to scale, minerals and other deposits
Washer
Expand
Limit
$1,000.00
Platinum Combo Plan
Gold Systems Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by SHW
  • Icemakers and ice and water dispensers built into the primary refrigerator (excluding external water supply lines)
  • Automatic soap dispenser
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Clothes dryer heating elements
  • Clothes dryer drum
  • Clothes dryer drum rollers
  • Defrost heaters
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Igniter and pilot assemblies
  • Internal wiring
  • Latch assemblies
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners
  • Solid state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Washing machine tubs, agitators and door seals (front load washers only)
  • Water valves (dishwasher, clothes washer and refrigerator only)
Not Covered by SHW
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals (other than for front load washers)
  • Drawers
  • Drip pans
  • Exhaust fan not solely for venting range/cooktop fumes
  • Filters and screens
  • Food spoilage
  • Standalone or self-contained icemakers and ice/water dispensers
  • External water supply lines
  • Independent telescoping range exhaust
  • Interior lining
  • Internal shelves
  • Knobs and handles
  • Light bulbs and fixtures
  • Lock and key assemblies
  • Panels and/or cabinetry
  • Racks
  • Removable minibus
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks (oven/range clock-timers are excluded unless failure prohibits normal cooking function)
  • Trays
  • Dishwasher and trash compactor tubs
  • Venting
  • Conditions of water flow restriction due to scale, minerals and other deposits
Water heater
Expand
Limit
$1,000.00
Platinum Combo Plan
Gold Systems Plan
Silver Appliance Plan
Optional Coverage
$60.00
Expand
Covered by SHW
  • Mechanical parts and components affecting the proper operation of one (1) water heater/tankless, including circulatory pumps and domestic hot water coils attached to boilers
  • Includes mechanical failure resulting from sediment build up
Not Covered by SHW
  • Auxiliary and secondary holding/storage tanks
  • Base pans
  • Color or purity of water
  • Flues
  • Vent pipes/lines
  • Insulation and insulation blankets
  • Heat recovery units
  • Any noise without a related mechanical failure
  • Point of service and/or hot water dispensers
  • Racks
  • Straps
  • Timers
  • Sediment build-up
  • Solar heaters, including all parts and components
Water softener
Expand
Limit
$1,000.00
Platinum Combo Plan
Gold Systems Plan
Silver Appliance Plan
Optional Coverage
$72.00
Expand
Covered by SHW
  • Mechanical parts and components affecting the proper operation of a basic single water softener unit, including central head assembly
  • Multi-level/twin softeners
  • Piping to and from unit(s) and system tanks
Not Covered by SHW
  • Any and all treatment, purification, odor control, iron filtration components and systems
  • Discharge drywells
  • Failure due to excessive water pressure or freeze damage
  • Failures due to mineral and/or sediment
  • Resin bed replacement and salt
Spa
Expand
Limit
$10,000.00
Platinum Combo Plan
Gold Systems Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by SHW
  • Above ground accessible piping lines leading to and from the unit
  • Air pumps
  • Blower motor
  • Filters (housings, laterals, pressure gauges, back flush valves)
  • Gaskets
  • Primary circulator pump and motor
  • And relays and impellers
  • Internal spa pack heater
  • Internal switches
  • Primary circulator pump and motor
  • Relays
  • One (1) heater with respect to mechanical components and parts of gas, electric, oil, and heat pump units
Not Covered by SHW
  • Automatic feeders and chemicals
  • Chlorinators
  • “Creepy crawlers” and similar cleaning units
  • Electrical lines;
  • Filter elements or media (i.e., cartridges, grids and sand)
  • Refrigerant reclamation
  • Heater cabinetry and structural components
  • Jets
  • Lighting
  • Pop up heads and turbo valves
  • Portable spas or spas without hard pipe or hard wire installation
  • Secondary/auxiliary cleaning equipment and accessories including built-in or detachable cleaning equipment
  • Skimmers
  • Solar heaters and related components
  • Structure, liner or shell of the pool and/or spa
  • Timer and remote control systems and their components
  • Inaccessible underground and/or concrete encased plumbing
Pool
Expand
Limit
$10,000.00
Platinum Combo Plan
Gold Systems Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by SHW
  • Above ground accessible piping lines leading to and from the unit
  • Air pumps
  • Blower motor
  • Filters (housings, laterals, pressure gauges, back flush valves)
  • Gaskets
  • Primary circulator pump and motor
  • And relays and impellers
  • Internal spa pack heater
  • Internal switches
  • Primary circulator pump and motor
  • Relays
  • One (1) heater with respect to mechanical components and parts of gas, electric, oil, and heat pump units
Not Covered by SHW
  • Automatic feeders and chemicals
  • Chlorinators
  • “Creepy crawlers” and similar cleaning units
  • Electrical lines;
  • Filter elements or media (i.e., cartridges, grids and sand)
  • Refrigerant reclamation
  • Heater cabinetry and structural components
  • Jets
  • Lighting
  • Pop up heads and turbo valves
  • Portable spas or spas without hard pipe or hard wire installation
  • Secondary/auxiliary cleaning equipment and accessories including built-in or detachable cleaning equipment
  • Skimmers
  • Solar heaters and related components
  • Structure, liner or shell of the pool and/or spa
  • Timer and remote control systems and their components
  • Inaccessible underground and/or concrete encased plumbing
Septic
Expand
Limit
$10,000.00
Platinum Combo Plan
Gold Systems Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by SHW
  • This plan covers the mechanical parts and components of one (1) sewage ejector pump (located within the perimeter of the main foundation)
  • The clearing of stoppages within the connecting waste line (leading from the house to the primary septic tank ) which are attributable to normal wear and tear and can be accessed through an existing clean out without excavation
Not Covered by SHW
  • Broken or collapsed sewer lines; tile fields; leach beds; leach lines; lateral lines; insufficient capacity; seepage pits; cesspools and sewage ejector pumps not associated with the septic system
  • We do not cover the cost associated with locating or gaining access to the septic tank or sewer hook-ups nor do we cover the cost of installing cleanouts or hook ups if they do not already exist; disposal of waste; chemical treatments of the septic tank or sewer lines, stoppages caused by root invasion and/or stoppages caused by foreign objects, such as but not limited to, toys and bottle caps
Stand-alone freezer
Expand
Limit
$10,000.00
Platinum Combo Plan
Gold Systems Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by SHW
  • Compressor
  • Condensers
  • Defrost heaters
  • Electronic components
  • Evaporators
  • Fan motors
  • Hinges
  • Ice maker
  • Motors
  • Power cords
  • Solid state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
Not Covered by SHW
  • Automatic deodorizers
  • Commercial units
  • Doors
  • Door cables
  • Door glass
  • Door seals
  • Drawers
  • Drip pans
  • Filters and screens
  • Food spoilage
  • External water supply lines
  • Reclaim of refrigerant
  • Interior lining
  • Internal shelves
  • Knobs and handles
  • Light bulbs and fixtures
  • Panels and/or cabinetry
  • Racks secondary units
  • Shelves
  • Structural components
Sump pump
Expand
Limit
$10,000.00
Platinum Combo Plan
Gold Systems Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by SHW
  • Mechanical parts and components of the pump assembly located within the home and hard piped installed
Not Covered by SHW
  • Any unit located outside the covered property and/or within crawl spaces
  • Back-up power assemblies
  • Portable or non-hard piped installed unit
Well pump
Expand
Limit
$10,000.00
Platinum Combo Plan
Gold Systems Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by SHW
  • Controls
  • Impellers
  • Motor
  • Pump
  • Seals
Not Covered by SHW
  • Contamination or lack of water
  • Excavation or other charges necessary to gain access to, or to remove, or to reset the pump
  • Failure attributed to well impurity
  • Joint wells
  • Piping and electrical lines leading to and from the unit
  • Pressure, holding or storage tank(s)
  • Re-drilling of wells
  • Auxiliary, secondary or booster pumps
  • Well casings

Before choosing a home warranty company, you should know which items are covered and which are not. Sears Home Warranty covers the most common home systems and appliances.

Air Conditioning

As for the air conditioning system, the plans provide coverage for one a/c system with a maximum of a 5-ton capacity designed for single-family use. If the primary cooling system in the home is comprised of wall units, three of them will be covered. Air handlers, capacitors, compressors, internal system controls, wiring, motors, as well as switches and thermostats,  are covered. However, filters, humidifiers, and structural components won’t be covered by the company.

Heating System

The plans provide coverage for accessible ductwork from covered heating unit to the point of attachment to register/grill, burners, controls, heat or cool thermostats, heating elements, internal system controls, wiring, and relays.

Chimneys, fireplaces, filters, freestanding or portable heating units will not be covered. Note that the coverage doesn’t provide cleaning and re-lighting of burners, concrete encased or inaccessible ductwork, and electric baseboard heat unless it is the primary heating system in the home.

Electrical System

Electrical system coverage includes standard mechanical parts or components located within the perimeter of the outer load-bearing walls consisting of the ceiling fan motors and their controls, one garage door opener, interior standard light switches, and smoke detectors.

The Sears Home Warranty does not cover direct current wiring, doorbells, exterior wiring and components, or lighting fixtures. Failures and conditions caused by inadequate wiring capacity, circuit overload, power failure, or surge will not be covered by the home warranty company as well.

Plumbing System

As for the plumbing system, the mechanical parts and components of the garbage disposal, shower and tub valves, faucets, and toilet tanks will be covered.

Leaks and breaks of water, gas, drain, waste, and vent lines within the perimeter of the main foundation are also covered. On the other hand, all plumbing in or under the ground or outside of the perimeter of the foundation, as well as stoppages caused by foreign objects or conditions of insufficient or excessive water pressure are not covered by the warranty plans.

Home Appliances

Sears home appliance warranty offers coverage for the following appliances: cooktop exhaust fan, built-in dishwasher and microwave, oven, refrigerator, or combination of refrigerator and freezer, built-in trash compactor, and washer. All functional components and parts such as compressors, condensers, heating elements, electronic components, fan motors, internal wiring, motors, pumps, thermostats are covered but none of the interior lining, doors, racks, knobs, handles, trays, dials, filters and so on.

Optional coverage is available for pool and spa, well pump, sump pump, septic system, and stand-alone freezer with a limit up to $10,000. To compare with competitors, the selection of optional coverage items in Sears home warranty program is limited.

Coverage Rating
5.0 / 5.0
Not available through RHW
Click Here to View Alternatives
The Fine Print
Item
Value
Comparison to Industry
Coverage effective after
Unknown days
n/a
Expand
Unknown data
Cancellation with refund within
30 days
Above industry average
Expand
3
28.15
30
60
Cancellation fee
$25.00
Below industry average
Expand
0.00
49.79
25.00
200.00
Automatic policy renewal
Yes
As 95% of industry
Expand
Time to cancel automatic renewal
30 days
Below industry average
Expand
1
31.25
30
60
Fee for contract transfer
$25.00
Above industry average
Expand
0.00
22.81
25.00
75.00
Max time to submit claim
1 days
At industry minimum
Expand
1
1
30
Repair timeframe
Unknown business days
n/a
Expand
Unknown data
Repair timeframe (weekends and holidays)
Unknown days
n/a
Expand
Unknown data
Free second opinion
Yes
As 27.3% of industry
Expand
Emergency service available
Yes
As 87.5% of industry
Expand
Hours for service calls
24/7
As 84.5% of industry
Expand
Reservice if repairs fail
Yes
Standard for industry
Expand
Free reservice period (parts)
180 days
Above industry average
Expand