Аdvertiser Disclosure

Total Home Protection Review

There are many Total Home Protection reviews available online, but this one is the most current and comprehensive review of the company you can find. It lays out the most important aspects you should be concerned with before making a commitment. ReviewHomeWarranties.com covers the following: company trustworthiness, coverage, terms and conditions, the fine print, and customer reviews. This information will help you to make a decision on whether Total Home Protection home warranty is the right company for you.

Verified as secured
Official website: www.totalhomeprotection.com
Total Home Protection Reviews by Our Readers
Cast vote by clicking on either button above
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
  • Multiple optional coverage items
  • 24/7 service calls
  • Clear terms and conditions
  • Free cancellation within 30 days
  • Emergency service available
  • Clients praised communication

  • Limited plan selection
  • New on the market
Covered Appliances and Systems
  • Icon
view more
Air conditioner
Covered by Platinum Plan
Covered as optional
Get coverage with Total Home Protection
Heating system
Covered by Platinum Plan
Covered as optional
Get coverage with Total Home Protection
Ductwork
Covered by Platinum Plan, Gold Plan (up to $500.00)
Get coverage with Total Home Protection
Humidifier
Not covered
Air cleaner
Not covered
Vacuum
Covered as optional
Get coverage with Total Home Protection
Refrigerator
Covered by Platinum Plan
Covered as optional
Get coverage with Total Home Protection
Refrigerator ice maker
Covered as optional (up to $200.00)
Get coverage with Total Home Protection
Free-standing ice maker
Covered as optional
Get coverage with Total Home Protection
Wine refrigerator
Not covered
Stand-alone freezer
Covered as optional
Get coverage with Total Home Protection
Microwave
Covered by Platinum Plan, Gold Plan
Get coverage with Total Home Protection
Oven
Covered by Platinum Plan, Gold Plan
Covered as optional
Get coverage with Total Home Protection
Dishwasher
Covered by Platinum Plan, Gold Plan
Get coverage with Total Home Protection
Water dispenser
Not covered
Trash compactor
Covered by Platinum Plan, Gold Plan
Get coverage with Total Home Protection
Disposal
Covered by Platinum Plan, Gold Plan
Get coverage with Total Home Protection
Cooktop exhaust fan
Covered by Platinum Plan, Gold Plan (up to $400.00)
Get coverage with Total Home Protection
Ceiling fan
Covered by Platinum Plan, Gold Plan (up to $400.00)
Get coverage with Total Home Protection
Attic fans
Not covered
Bath exhaust fan
Not covered
Whole house fan
Not covered
Washer
Covered by Platinum Plan
Get coverage with Total Home Protection
Dryer
Covered by Platinum Plan
Get coverage with Total Home Protection
Plumbing
Covered by Platinum Plan, Gold Plan (up to $500.00)
Get coverage with Total Home Protection
Plumbing stoppages
Not covered
Water heater
Covered by Platinum Plan, Gold Plan (up to $500.00)
Covered as optional
Get coverage with Total Home Protection
Water purification
Not covered
Water softener
Covered as optional (up to $500.00)
Get coverage with Total Home Protection
Well pump
Covered as optional (up to $500.00)
Get coverage with Total Home Protection
Toilet
Not covered
Septic
Covered as optional (up to $500.00)
Get coverage with Total Home Protection
Sump pump
Covered as optional (up to $500.00)
Get coverage with Total Home Protection
Septic tank pumping
Covered as optional (up to $200.00)
Get coverage with Total Home Protection
Outside sewer line
Not covered
Outside water line
Not covered
Electrical
Covered by Platinum Plan, Gold Plan (up to $500.00)
Get coverage with Total Home Protection
Generator
Not covered
Garage door
Covered by Platinum Plan, Gold Plan
Covered as optional
Get coverage with Total Home Protection
Doorbell
Not covered
Alarm
Not covered
Outside electrical line
Not covered
Outside gas line
Not covered
Pool
Covered as optional (up to $500.00)
Get coverage with Total Home Protection
Spa
Covered by Platinum Plan, Gold Plan (up to $500.00)
Covered as optional (up to $500.00)
Get coverage with Total Home Protection
Pests
Not covered
Sprinkler
Not covered
Roof leaks
Covered as optional (up to $500.00)
Get coverage with Total Home Protection
our overall rating 91.20%
Updated for Jun 13, 2019
Facts and Figures
  • Effective in30 days
  • Hours 24/7
  • Cancellation$50
  • Premium $461 - $624
  • Deductible$75
  • Limits$400 - $500
Ratings
  • Trustworthiness:
  • Plans and Coverage:
  • Feedback:
  • The Fine Print:
  • Promotions:
  • Editor Rating:
  • Reader Rating:
$50.00 off
Annual Policy
learn more
Editorial Notes

Total Home Protection is a trendy and fast-growing company in the home warranty market. It rapidly gained a positive reputation among homeowners all over the United States. With reasonable premiums and good coverage limits, Total Home Protection plans include coverage for the most essential home appliances and systems.

Total Home Protection company commits to providing you with exceptional services and state of the art home warranty products. They pre-screen their contractors to make sure they deliver effective solutions to any problem with your home systems or appliances that you might experience.

Even if your claim falls outside of their service agreement, they will try to help you to all extents of their abilities. As the company maintains high standards, it is not a surprise that Total Home Protection’s BBB and Google Reviews ratings are pretty high and comparable to those of such industry giants as American Home Shield and TotalProtect Home Warranty.

In 2019, Total Home Protection was nominated for home warranty insurance awards and won a medal in the Best Summary Rating category.

We encourage reading this Total Home Protection review and the advertiser disclosure above in full. We hope it will help you answer all your questions about this company so that you could make an informed decision regarding the products offered by Total Home Protection.

Summary rating:
Value for money:
Good
(800) 969-0753 Visit website
Trustworthiness

In order to evaluate the trustworthiness of the company, ReviewHomeWarranties.com collected and analyzed data available on the company website as well as Total Home Protection reviews on consumer reporting sites including BBB, Google, and Yelp.

Legal
Ownership
Total Home Protection
Established
2016
CEO
Ronald Seruya, President
Registered in
Philadelphia, PA
Address
325 Chestnut Street Suite 800 Philadelphia, PA 19106
Available states
All except: California, Iowa, Nevada, New York, Washington
Full list of states
Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, Wisconsin, Wyoming, District of Columbia
Type of company (private, public)
Private
Mediation and arbitration bodies
Disputes are resolved in American Arbitration Association

Established in 2016 in Pennsylvania, the company rapidly grew nationwide. Currently, it operates in 45 states, including Texas, Arizona, and Colorado. Customers in California, Iowa, Nevada, New York, and Washington state may find the best home warranty companies that operate in their states in our respective pages.

Accessibility
Online chat
Yes
Social media

The company’s representatives are very easy to reach online via their contact form, an online chat, or by phone. Customer service is available 24 hours a day, 7 days a week. To file a Total Home Protection claim, or to receive a free quote, just click the green “Visit Website” button or call the toll-free number.

Benchmarks
Total Home Protection
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
377
0
12,770
Traffic
14,000
0
383,900
Number of independent contractors
No data
0
44,000
Reputation
BBB accreditation
NR (Not Accredited)
Trustworthiness Rating
3.8 / 5.0
(800) 969-0753 Visit website
$50 - off Annual Policy
  • 1 month free coverage

Expiration date: July 20, 2019
Promo code:Not required

Total Home Protection promotions for new customers include the first month free and $100 off your annual policy. No coupon code required!

Coverage

Now it is time to make a decision: Do you want to spend less money on less coverage, or pay a little extra now and potentially save big bucks later on home repairs and replacements? Let’s see what home warranty plans Total Home Protection has to offer and how much they cost. Overall, it takes me 3-4 hours to make changes to one state page.

There are two main plans offered by the Total Home Protection home warranty company: Gold and Platinum. The Gold plan includes plumbing and electrical systems and a great selection of kitchen appliances. Air conditioning and heating systems are not included in this plan.


If you are one of those thrifty homeowners who prefer to have as many systems and appliances covered as possible, the Platinum plan will be a much better selection. This plan offers coverage for all home systems: air conditioning, heating, electric, and plumbing. For home appliances, Total Home Warranty Platinum plan covers washer and dryer, refrigerator, gas or electric stove, oven or cooktop, built-in microwave, dishwasher, garbage disposal, trash compactor, and more. For the exhaustive list, please refer to the table below.

In addition to any Total Home Protection plan, you can add multiple items from the optional coverage list. Among these items, Total Home Protection insurance offers optional coverage for pool and spa, second refrigerator, standalone freezer, septic system, sump pump, well pump, and even limited roof repairs. Please note that every item on this list is priced separately.

Summary of plans and coverage:
Coverage Term
Service Call Fee
Items
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Premium Amount
$599.00
$499.00
$25.00 - $150.00
 
Coverage
$200.00 - $500.00
73%
51%
32%
Coverage details
Air conditioner
-
$75.00
Details
Covered by THP
  • Mechanical parts and components of two (2) ducted electric central air conditioning systems.
  • All components and parts for units below 13 SEER and/or R-22 equipment, and when we are unable to facilitate repair and/or replacement of failed covered equipment at the current SEER rating or with R-22 equipment, repair and/or replacement will be performed with 13 SEER/R410A equipment and/or 7.7 HSPF or higher compliant.
Not Covered by THP
  • Filters.
  • Condenser casings.
  • Registers and grills.
  • Water towers.
  • Humidifiers.
  • Chillers.
  • Electronic air cleaners.
  • Window units.
  • Non-ducted wall units.
  • Mini-split wall units.
  • Gas air conditioning systems.
  • Water evaporative coolers.
  • Swamp coolers.
  • Condensate pumps.
  • Thermal expansion valves.
  • All exterior condensing, cooling and pump pads.
  • Disconnect boxes.
  • Roof mounts.
  • Jacks, stands or supports.
  • Cost for crane rentals.
  • Electronic, computerized, and manual systems management and zone controllers.
  • Commercial grade equipment.
  • Refrigerant conversion.
  • Leak detections.
  • Water leaks.
  • Drain line stoppages or drain pans.
  • Maintenance.
  • Rusted and/or corroded coils.
  • Component short to ground.
  • Noise without a related mechanical failure.
  • Improperly sized units.
  • Air conditioning with mismatched condensing unit and evaporative coil per manufacturer specifications.
  • Improper use of metering devices (i.e. thermal expansion valves).
  • We are not responsible for the costs associated with matching dimensions, brand or color made.
  • We will not pay for any modifications or upgrades necessitated by the repair of existing equipment or the installation of new equipment.
Ceiling fan
$400.00
Details
Covered by THP
  • Motors
  • Switches
  • Controls
  • Bearings
Not Covered by THP
  • Kitchen exhaust fans
  • Range exhaust fans
  • Fan blades
  • Belts
  • Shutters
  • Filters
  • lighting
Cooktop exhaust fan
$400.00
Details
Covered by THP
  • Motors
  • Switches
  • Controls
  • Bearings
Not Covered by THP
  • Kitchen exhaust fans
  • Range exhaust fans
  • Fan blades
  • Belts
  • Shutters
  • Filters
  • lighting
Dishwasher
-
Details
Covered by THP
  • All mechanical components and parts
Not Covered by THP
  • Doors.
  • Soor seals.
  • Hinges.
  • Handles.
  • Glass.
  • Knobs.
  • Racks.
  • Trays, and baskets.
  • Rollers.
  • Damage caused by broken glass.
  • Noise without a related mechanical failure.
  • Maintenance and cleaning.
  • Commercial units.
  • Portable units.
Disposal
-
Details
Covered by THP
  • All components and parts, including entire unit.
Not Covered by THP
  • Failures and/or jams caused by bones, eggshells; glass, or foreign objects other than food.
Dryer
-
Details
Covered by THP
  • All components and parts
Not Covered by THP
  • Venting.
  • Lint screens.
  • Knobs and dials.
  • Doors, door seals, and hinges.
  • Glass.
  • Leveling and balancing.
  • Noise without a related mechanical failure.
  • Damage to clothing.
  • Conditions of air flow restriction due to a lack of maintenance and/or clogged lint screens.
Ductwork
$500.00
Details
Covered by THP
  • Duct from heating and air conditioning unit to point of attachment at registers or grills.
Not Covered by THP
  • Registers and grills.
  • Insulation.
  • Insulated ductwork.
  • Asbestos.
  • Vents, flues and breaching.
  • Ductwork exposed to outside elements.
  • Improperly sized ductwork.
  • Separation due to settlement and/or lack of support.
  • Damper motors.
  • Diagnostic testing of, or locating leaks to ductwork, including but not limited to, as required by any federal, state or local law, ordinance or regulation, or when required due to the installation or replacement of system equipment.
  • THP will provide access to ductwork through unobstructed walls, ceilings or floors, only, and will return the access opening to rough finish condition.
  • Rough finish is defined to include hanging of drywall, patching of drywall, stucco, and lath.
  • Repair to rough finish does not include supplies or labor for paint, sanding, wall texture, wallpaper and/or tile work.
  • Built-in appliances.
  • Cabinets.
  • Floor coverings or other obstructions impeding access to walls, ceilings, and/or floors.
Electrical
$500.00
Details
Covered by THP
  • All components and parts
Not Covered by THP
  • Attic exhaust fans.
  • Direct current (DC) wiring and systems.
  • Exterior wiring and components (except main panels mounted to exterior wall).
  • Any wiring or components servicing a detached structure.
  • Fire, carbon monoxide alarm and/or detection systems
  • Batteries.
  • Intercom or speaker systems.
  • Doorbells.
  • Multi-media systems.
  • Lighting fixtures.
  • Load control devices.
  • Low voltage systems including wiring and relays.
  • Service entrance cables.
  • Telephone systems.
  • Telephone wiring.
  • Cable wiring.
  • Alarm and/or security systems and wiring.
  • Timers.
  • Touch pad assemblies.
  • Transmitters and remotes.
  • Utility meter base pans.
  • Solar power systems and panels.
  • All solar components and parts.
  • Energy management systems.
  • Commercial grade equipment.
  • Auxiliary or sub-panels.
  • Bus bars.
  • Broken and/or severed wires.
  • Rerunning of new wiring for broken wires.
  • Wire tracing.
  • Central vacuum systems.
  • Failures and conditions caused by inadequate wiring capacity, inadequate size breakers, circuit overload, power failure/shortage or surge, and corrosion are not covered.
Garage door
-
$50.00
Details
Covered by THP
  • All components and parts
Not Covered by THP
  • Garage doors.
  • Hinges.
  • Springs.
  • Sensors.
  • Chains.
  • Travelers.
  • Door track assemblies.
  • Rollers.
  • Lights.
  • Keypads.
  • Wall buttons.
  • Remote receiving and/or transmitting devices.
Heating system
-
$75.00
Details
Covered by THP
  • Mechanical parts and components of two (2) systems.
  • Hot water and steam heating system or centrally ducted forced air gas/electric/oil heating system or electric baseboard units, if providing the primary source of heat in dwelling, as follows: accessible ductwork from covered heating unit to point of attachment to register/grill.
  • Blower fan motors.
  • Burners.
  • Controls.
  • Fan blades.
  • Heat/cool thermostats (programmable and electronic set back units will be replaced only with standard units).
  • Heat exchangers.
  • Heating elements.
  • Ignitor and pilot assemblies.
  • Internal system controls.
  • Wiring.
  • Relays.
  • Motors (excludes dampers).
  • Switches.
  • Electric baseboard units are covered if they are the primary source of heating for the property.
Not Covered by THP
  • Chimneys, flues, and liners.
  • Cleaning and re-lighting of pilots.
  • Concrete encased or inaccessible ductwork.
  • Concrete encased or inaccessible steam or radiant heating coils or lines.
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits.
  • Cracked heat exchangers.
  • Rusted and/or corroded heat exchangers.
  • Maintenance and cleaning.
  • Calcium build-up.
  • Evaporator coil pan.
  • Primary or secondary drain pans.
  • Fossil and dual 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.
  • Free-standing or portable heating units.
  • Heat lamps.
  • Pellet stoves.
  • Fuel storage tanks, lines, and filters.
  • Gas log systems, including gas feed lines.
  • Valves.
  • Key valves.
  • Oil filters, nozzles, or strainers; humidifiers.
  • Inaccessible water/steam lines leading to or from system.
  • Backflow preventers.
  • Individual space heaters.
  • Panels and/or cabinetry.
  • Radiant heating systems built into walls, floors or ceilings.
  • Registers and grills.
  • Secondary units.
  • Solar heating devices and components.
  • Maintenance.
  • Noise without a related mechanical failure.
  • Improperly sized heating systems.
  • Mismatched systems.
  • Structural components.
Microwave
-
Details
Covered by THP
  • All mechanical components and parts
Not Covered by THP
  • Doors.
  • Hinges.
  • Handles.
  • Glass.
  • Knobs.
  • Lights.
  • Clocks (unless they affect the cooking function of the unit).
  • Meat probe assemblies, rotisseries.
  • Racks and trays.
  • Interior linings.
  • Arcing.
  • Portable or counter top units.
Oven
-
$60.00
Details
Covered by THP
  • All mechanical components and parts
Not Covered by THP
  • Doors.
  • Door seals.
  • Hinges.
  • Handles.
  • Glass.
  • Knobs.
  • Lighting.
  • Clocks (unless they affect the cooking function of the unit).
  • Meat probe assemblies, rotisseries; racks and trays.
  • Downdrafts.
  • Range exhaust hoods.
  • Independent telescoping range exhaust.
  • Exhaust fan not solely for venting range/cooktop fumes.
  • Filters and screens.
  • Venting.
  • Sensi-heat burners will only be replaced with standard burners.
  • Drip pans.
  • Self-cleaning mechanisms including door latches.
  • Commercial units
Plumbing
$500.00
Details
Covered by THP
  • Leaks and breaks of water, drain, gas, waste or vent lines, except if caused by freezing or roots.
  • Toilet tanks, bowls and mechanisms within the toilet tank (replaced with builder’s grade as necessary).
  • Toilet wax ring seals.
  • Valves for shower, tub, and diverter angle stops, rinses and gate valves.
  • Permanently installed interior sump pumps.
  • Built-in bathtub whirlpool motor and pump assemblies.
  • Stoppages and/or clogs in drain and sewer lines up to 100 feet from access point. Repair and finish of any walls or ceilings where it is necessary to break through to effect repair is only covered to the following extent: repair of walls or ceilings to rough finish up to $500 per claim.
  • Rough finish is defined to include hanging of drywall, patching of drywall, stucco, and lath.
  • Repair to rough finish does not include supplies or labor for paint, sanding, wall texture, wallpaper and/or tile work.
Not Covered by THP
  • 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.
  • Stoppage of concrete encased lines.
  • 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, sanitary wipes, toys, bottle caps, etc.
  • Bath tubs
  • Toilet lids and seats.
  • Sinks.
  • Cracked porcelain.
  • Basket and strainers.
  • Pop-up assemblies.
  • Tub waste overflow.
  • Glass.
  • Bidets.
  • Electronic toilets/bidets.
  • Caulking or grout.
  • Color or purity of the water in the system.
  • Concrete encased plumbing.
  • Conditions of insufficient or excessive water pressure.
  • Conditions of water flow restriction due to scale, rust, sediment, and other deposits.
  • Exterior hose bibs.
  • Faucets and fixtures.
  • Water softeners.
  • Freeze damage.
  • Holding and pressure tanks.
  • Jet pumps.
  • Laundry tubs.
  • Lawn sprinkler systems; saunas and/or steam systems.
  • Polybutylene or quest piping.
  • Galvanized drain lines.
  • Drum traps.
  • Flange.
  • Repair and finish of any floors 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.
Refrigerator
-
$35.00
Details
Covered by THP
  • All components and parts, including integral freezer unit
Not Covered by THP
  • Racks.
  • Shelves.
  • Glass.
  • Lighting.
  • Handles.
  • Doors, door seals, hinges, and gaskets.
  • Freon; disposal and recapture of Freon.
  • Ice makers, ice crushers, beverage dispensers and their respective equipment.
  • Water lines and valve to ice maker.
  • Line restrictions.
  • Leaks of any kind.
  • Maintenance.
  • Interior thermal shells.
  • Freezers which are not an integral part of the refrigerator.
  • Wine chillers or mini refrigerators.
  • Food spoilage.
  • Noise without a related mechanical failure.
  • Multi-media centers and internet connection components.
Spa
$500.00
$150.00
Details
Covered by THP
  • Mechanical parts and components including accessible electrical controls.
  • Accessible plumbing lines.
  • Air pumps.
  • Gaskets.
  • Primary circulation pump and motor.
Not Covered by THP
  • Bathtub shell.
  • Heaters.
  • Lights.
  • Multi-media systems.
  • Faucets and fixtures.
  • Caulking and grout.
  • Drains.
  • Jets.
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits.
  • Failures due to dry operation of equipment.
  • Gaining access to electrical, component parts, and/or piping.
  • Tiles and marble; and tub enclosure.
Trash compactor
-
Details
Covered by THP
  • All components and parts.
Not Covered by THP
  • Portable units.
  • Lock and key assemblies.
  • Removable buckets.
  • Doors.
  • Door seals.
  • Hinges.
  • Handles.
  • Damage caused by overloading.
  • Commercial units.
Washer
-
Details
Covered by THP
  • All components and parts
Not Covered by THP
  • Soap dispensers.
  • Removable minitubs.
  • Filter screens.
  • Knobs and dials.
  • Doors, door seals and hinges.
  • Glass.
  • Leveling and balancing.
  • Damage to clothing.
  • Commercial units.
  • Noise without a related mechanical failure.
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits.
Water heater
$500.00
$75.00
Details
Covered by THP
  • All components and parts for gas and/or electric hot water heaters, including circulating pumps.
Not Covered by THP
  • Auxiliary and secondary holding/storage tanks.
  • Main, holding or storage tanks.
  • Expansion tanks.
  • Base pans.
  • Drain pans and drain lines.
  • Line restrictions.
  • Pressure reducing valve.
  • Sediment build-up.
  • Mineral and/or calcium build-up.
  • Rust and corrosion.
  • Combustion shutdown.
  • Color or purity of water.
  • Flues.
  • Vent pipes/lines.
  • Insulation and insulation blankets.
  • Heat recovery units.
  • Tankless hot water heaters.
  • Low boy and/or squat water heaters.
  • Solar water heaters including all solar components and parts.
  • Any noise without a related mechanical failure.
  • Racks.
  • Straps.
  • Timers.
  • Energy management systems.
  • Commercial grade equipment and units exceeding 75 gallons.
Pool
$500.00
$150.00
Details
Covered by THP
  • Above ground components and parts of the pumping.
  • Filtration system including pool sweep motor and pump.
  • Pump motor.
  • Blower motor and timer.
  • Filter.
  • Filter timer.
  • Gaskets.
  • Timer.
  • Valves, limited to back flush, actuator, check, and 2 and 3-way valves.
  • Relays and switches.
  • Above ground plumbing pipes and wiring.
Not Covered by THP
  • Portable or above ground spas.
  • Access to pool and spa equipment.
  • Lights.
  • Liners and tile.
  • Jets.
  • Ornamental fountains, waterfalls and their pumping systems.
  • Auxiliary pumps.
  • Pool cover and related equipment.
  • Fill line and fill valves.
  • Built-in or detachable cleaning equipment including, without limitation, pool sweeps, pop-up heads, turbo valves, skimmers, chlorinators, and ionizers.
  • Fuel storage tanks.
  • Disposable filtration mediums.
  • Heat pump.
  • Heaters.
  • Control panels.
  • Control boards.
  • Multi-media centers.
  • Dehumidifiers.
  • Salt water generators and components.
  • Salt water systems.
  • Cracked or corroded filter casings.
  • Grids.
  • Cartridges.
  • Maintenance.
  • Structural defects.
  • Solar equipment and components.
Septic
$500.00
$100.00
Details
Covered by THP
  • Sewage ejector pump for septic system only.
  • Jet pump.
  • Aerobic pump.
  • 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 THP
  • Broken or collapsed sewer lines.
  • Tile fields.
  • Leach beds.
  • Leach lines.
  • Lateral lines.
  • Tanks.
  • Insufficient capacity.
  • Seepage pits.
  • Cesspools and sewage ejector pumps not associated with the septic system.
  • 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.
  • Pumping.
  • 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.
Well pump
$500.00
$75.00
Details
Covered by THP
  • All components and parts of well pump utilized as a main source of water to the home.
Not Covered by THP
  • Above or underground piping, cable or electrical lines leading to or from the well pump, including those that are located within the well casing.
  • Holding or storage tanks.
  • Digging.
  • Locating pump.
  • Pump retrieval.
  • Redrilling of wells.
  • Well casings.
  • Pressure tanks.
  • Pressure switches and gauges.
  • Check valve.
  • Relief valve.
  • Drop pipe.
  • Piping or electrical lines leading to or connecting pressure tank and main dwelling including wiring from control box to the pump.
  • Booster pumps.
  • Well pump and all well pump components for geothermal and/or water source heat pumps.
Septic tank pumping
$200.00
$60.00
Details
Covered by THP
  • The septic tank will be pumped once during the Agreement term if the stoppage is due to septic back up only.
Not Covered by THP
  • 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.
  • Leach beds.
  • Leach lines.
  • Lateral lines.
  • Tanks.
  • Cesspools.
  • Mechanical pumps and/or systems.
Roof leaks
$500.00
$50.00
Details
Covered by THP
  • Repair of shake and composition roof leaks over the occupied living area.
Not Covered by THP
  • Leaks related to patios.
  • Porches.
  • Decks.
  • Metal roofs.
  • Foam roofs.
  • Shingles.
  • Cemwood shakes.
  • Cracked and/or missing material.
  • Tiles.
  • Tar and gravel.
  • Flat or built-up roofs.
  • Structural leaks.
  • Asphalt.
  • Gutters.
  • Downspouts.
  • Skylights.
  • Flashing.
  • Patio covers.
  • Solar components.
  • Attic vents.
  • Roof jacks.
  • Satellite components.
  • Antennae.
  • Chimney components.
  • Partial roof replacement.
  • Preventative maintenance.
Free-standing ice maker
-
$50.00
Details
Covered by THP
  • All mechanical components and parts
Not Covered by THP
  • Racks.
  • Shelves.
  • Glass.
  • Lighting.
  • Handles.
  • Doors, door seals, hinges, and gaskets.
  • Freon.
  • Disposal and recapture of Freon, ice crushers.
  • Water lines and valve to ice maker.
  • Line restrictions.
  • Leaks of any kind.
  • Maintenance.
  • Interior thermal shells.
  • Noise without a related mechanical failure.
  • Leveling and balancing.
  • Commercial units
Stand-alone freezer
-
$35.00
Details
Covered by THP
  • All components and parts
Not Covered by THP
  • Racks.
  • Shelves.
  • Glass.
  • Lighting.
  • Handles.
  • Doors.
  • Door seals, hinges, and gaskets.
  • Freon.
  • Disposal and recapture of Freon.
  • Ice makers, ice crushers.
  • Water lines and valve to ice maker.
  • Line restrictions.
  • Leaks of any kind.
  • Maintenance.
  • Interior thermal shells.
  • Food spoilage.
  • Noise without a related mechanical failure.
  • Multi-media centers and internet connection components.
Water softener
$500.00
$35.00
Details
Covered by THP
  • Mechanical parts and components of 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 THP
  • Any and all treatment, purification, odor control, iron filtration components and systems.
  • Discharge drywells.
  • Inadequate pressure.
  • Failure due to excessive water pressure or freeze damage.
  • Failures due to mineral and/or sediment.
  • Resin bed replacement and salt.
  • Leased or rented units.
  • Softening agents.
Refrigerator ice maker
$200.00
$35.00
Details
Covered by THP
  • Mechanical components and parts related to the kitchen refrigerator ice maker only.
Not Covered by THP
  • Free standing ice makers.
  • Freon.
  • Disposal and recapture of Freon.
  • Dispensers.
  • Ice crushers.
  • Water lines and valve to ice maker.
  • Line restrictions.
Vacuum
-
$25.00
Details
Covered by THP
  • All mechanical components and parts
Not Covered by THP
  • Ductwork; piping; nozzles; hoses; blockages; accessories
Sump pump
$500.00
$25.00
Details
Covered by THP
  • Mechanical parts and components of permanently installed sump pump for ground water, within the foundation of the home or attached garage.
Not Covered by THP
  • Any unit located outside the covered property and/or within crawl spaces.
  • Back-up power assemblies.
  • Portable or non-hard piped installed units.
  • Sewerage ejector pumps.
  • Backflow preventers.
  • Check valves.
  • Piping modifications for new installs
Premium Amount
Platinum Combo Plan
73%
$599.00
Silver Combo Plan
51%
$499.00
COVERAGE DETAILS
Air conditioner
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$75.00
Expand
Covered by THP
  • Mechanical parts and components of two (2) ducted electric central air conditioning systems.
  • All components and parts for units below 13 SEER and/or R-22 equipment, and when we are unable to facilitate repair and/or replacement of failed covered equipment at the current SEER rating or with R-22 equipment, repair and/or replacement will be performed with 13 SEER/R410A equipment and/or 7.7 HSPF or higher compliant.
Not Covered by THP
  • Filters.
  • Condenser casings.
  • Registers and grills.
  • Water towers.
  • Humidifiers.
  • Chillers.
  • Electronic air cleaners.
  • Window units.
  • Non-ducted wall units.
  • Mini-split wall units.
  • Gas air conditioning systems.
  • Water evaporative coolers.
  • Swamp coolers.
  • Condensate pumps.
  • Thermal expansion valves.
  • All exterior condensing, cooling and pump pads.
  • Disconnect boxes.
  • Roof mounts.
  • Jacks, stands or supports.
  • Cost for crane rentals.
  • Electronic, computerized, and manual systems management and zone controllers.
  • Commercial grade equipment.
  • Refrigerant conversion.
  • Leak detections.
  • Water leaks.
  • Drain line stoppages or drain pans.
  • Maintenance.
  • Rusted and/or corroded coils.
  • Component short to ground.
  • Noise without a related mechanical failure.
  • Improperly sized units.
  • Air conditioning with mismatched condensing unit and evaporative coil per manufacturer specifications.
  • Improper use of metering devices (i.e. thermal expansion valves).
  • We are not responsible for the costs associated with matching dimensions, brand or color made.
  • We will not pay for any modifications or upgrades necessitated by the repair of existing equipment or the installation of new equipment.
Ceiling fan
Expand
Limit
$400.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by THP
  • Motors
  • Switches
  • Controls
  • Bearings
Not Covered by THP
  • Kitchen exhaust fans
  • Range exhaust fans
  • Fan blades
  • Belts
  • Shutters
  • Filters
  • lighting
Cooktop exhaust fan
Expand
Limit
$400.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by THP
  • Motors
  • Switches
  • Controls
  • Bearings
Not Covered by THP
  • Kitchen exhaust fans
  • Range exhaust fans
  • Fan blades
  • Belts
  • Shutters
  • Filters
  • lighting
Dishwasher
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by THP
  • All mechanical components and parts
Not Covered by THP
  • Doors.
  • Soor seals.
  • Hinges.
  • Handles.
  • Glass.
  • Knobs.
  • Racks.
  • Trays, and baskets.
  • Rollers.
  • Damage caused by broken glass.
  • Noise without a related mechanical failure.
  • Maintenance and cleaning.
  • Commercial units.
  • Portable units.
Disposal
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by THP
  • All components and parts, including entire unit.
Not Covered by THP
  • Failures and/or jams caused by bones, eggshells; glass, or foreign objects other than food.
Dryer
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by THP
  • All components and parts
Not Covered by THP
  • Venting.
  • Lint screens.
  • Knobs and dials.
  • Doors, door seals, and hinges.
  • Glass.
  • Leveling and balancing.
  • Noise without a related mechanical failure.
  • Damage to clothing.
  • Conditions of air flow restriction due to a lack of maintenance and/or clogged lint screens.
Ductwork
Expand
Limit
$500.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by THP
  • Duct from heating and air conditioning unit to point of attachment at registers or grills.
Not Covered by THP
  • Registers and grills.
  • Insulation.
  • Insulated ductwork.
  • Asbestos.
  • Vents, flues and breaching.
  • Ductwork exposed to outside elements.
  • Improperly sized ductwork.
  • Separation due to settlement and/or lack of support.
  • Damper motors.
  • Diagnostic testing of, or locating leaks to ductwork, including but not limited to, as required by any federal, state or local law, ordinance or regulation, or when required due to the installation or replacement of system equipment.
  • THP will provide access to ductwork through unobstructed walls, ceilings or floors, only, and will return the access opening to rough finish condition.
  • Rough finish is defined to include hanging of drywall, patching of drywall, stucco, and lath.
  • Repair to rough finish does not include supplies or labor for paint, sanding, wall texture, wallpaper and/or tile work.
  • Built-in appliances.
  • Cabinets.
  • Floor coverings or other obstructions impeding access to walls, ceilings, and/or floors.
Electrical
Expand
Limit
$500.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by THP
  • All components and parts
Not Covered by THP
  • Attic exhaust fans.
  • Direct current (DC) wiring and systems.
  • Exterior wiring and components (except main panels mounted to exterior wall).
  • Any wiring or components servicing a detached structure.
  • Fire, carbon monoxide alarm and/or detection systems
  • Batteries.
  • Intercom or speaker systems.
  • Doorbells.
  • Multi-media systems.
  • Lighting fixtures.
  • Load control devices.
  • Low voltage systems including wiring and relays.
  • Service entrance cables.
  • Telephone systems.
  • Telephone wiring.
  • Cable wiring.
  • Alarm and/or security systems and wiring.
  • Timers.
  • Touch pad assemblies.
  • Transmitters and remotes.
  • Utility meter base pans.
  • Solar power systems and panels.
  • All solar components and parts.
  • Energy management systems.
  • Commercial grade equipment.
  • Auxiliary or sub-panels.
  • Bus bars.
  • Broken and/or severed wires.
  • Rerunning of new wiring for broken wires.
  • Wire tracing.
  • Central vacuum systems.
  • Failures and conditions caused by inadequate wiring capacity, inadequate size breakers, circuit overload, power failure/shortage or surge, and corrosion are not covered.
Garage door
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$50.00
Expand
Covered by THP
  • All components and parts
Not Covered by THP
  • Garage doors.
  • Hinges.
  • Springs.
  • Sensors.
  • Chains.
  • Travelers.
  • Door track assemblies.
  • Rollers.
  • Lights.
  • Keypads.
  • Wall buttons.
  • Remote receiving and/or transmitting devices.
Heating system
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$75.00
Expand
Covered by THP
  • Mechanical parts and components of two (2) systems.
  • Hot water and steam heating system or centrally ducted forced air gas/electric/oil heating system or electric baseboard units, if providing the primary source of heat in dwelling, as follows: accessible ductwork from covered heating unit to point of attachment to register/grill.
  • Blower fan motors.
  • Burners.
  • Controls.
  • Fan blades.
  • Heat/cool thermostats (programmable and electronic set back units will be replaced only with standard units).
  • Heat exchangers.
  • Heating elements.
  • Ignitor and pilot assemblies.
  • Internal system controls.
  • Wiring.
  • Relays.
  • Motors (excludes dampers).
  • Switches.
  • Electric baseboard units are covered if they are the primary source of heating for the property.
Not Covered by THP
  • Chimneys, flues, and liners.
  • Cleaning and re-lighting of pilots.
  • Concrete encased or inaccessible ductwork.
  • Concrete encased or inaccessible steam or radiant heating coils or lines.
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits.
  • Cracked heat exchangers.
  • Rusted and/or corroded heat exchangers.
  • Maintenance and cleaning.
  • Calcium build-up.
  • Evaporator coil pan.
  • Primary or secondary drain pans.
  • Fossil and dual 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.
  • Free-standing or portable heating units.
  • Heat lamps.
  • Pellet stoves.
  • Fuel storage tanks, lines, and filters.
  • Gas log systems, including gas feed lines.
  • Valves.
  • Key valves.
  • Oil filters, nozzles, or strainers; humidifiers.
  • Inaccessible water/steam lines leading to or from system.
  • Backflow preventers.
  • Individual space heaters.
  • Panels and/or cabinetry.
  • Radiant heating systems built into walls, floors or ceilings.
  • Registers and grills.
  • Secondary units.
  • Solar heating devices and components.
  • Maintenance.
  • Noise without a related mechanical failure.
  • Improperly sized heating systems.
  • Mismatched systems.
  • Structural components.
Microwave
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by THP
  • All mechanical components and parts
Not Covered by THP
  • Doors.
  • Hinges.
  • Handles.
  • Glass.
  • Knobs.
  • Lights.
  • Clocks (unless they affect the cooking function of the unit).
  • Meat probe assemblies, rotisseries.
  • Racks and trays.
  • Interior linings.
  • Arcing.
  • Portable or counter top units.
Oven
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$60.00
Expand
Covered by THP
  • All mechanical components and parts
Not Covered by THP
  • Doors.
  • Door seals.
  • Hinges.
  • Handles.
  • Glass.
  • Knobs.
  • Lighting.
  • Clocks (unless they affect the cooking function of the unit).
  • Meat probe assemblies, rotisseries; racks and trays.
  • Downdrafts.
  • Range exhaust hoods.
  • Independent telescoping range exhaust.
  • Exhaust fan not solely for venting range/cooktop fumes.
  • Filters and screens.
  • Venting.
  • Sensi-heat burners will only be replaced with standard burners.
  • Drip pans.
  • Self-cleaning mechanisms including door latches.
  • Commercial units
Plumbing
Expand
Limit
$500.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by THP
  • Leaks and breaks of water, drain, gas, waste or vent lines, except if caused by freezing or roots.
  • Toilet tanks, bowls and mechanisms within the toilet tank (replaced with builder’s grade as necessary).
  • Toilet wax ring seals.
  • Valves for shower, tub, and diverter angle stops, rinses and gate valves.
  • Permanently installed interior sump pumps.
  • Built-in bathtub whirlpool motor and pump assemblies.
  • Stoppages and/or clogs in drain and sewer lines up to 100 feet from access point. Repair and finish of any walls or ceilings where it is necessary to break through to effect repair is only covered to the following extent: repair of walls or ceilings to rough finish up to $500 per claim.
  • Rough finish is defined to include hanging of drywall, patching of drywall, stucco, and lath.
  • Repair to rough finish does not include supplies or labor for paint, sanding, wall texture, wallpaper and/or tile work.
Not Covered by THP
  • 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.
  • Stoppage of concrete encased lines.
  • 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, sanitary wipes, toys, bottle caps, etc.
  • Bath tubs
  • Toilet lids and seats.
  • Sinks.
  • Cracked porcelain.
  • Basket and strainers.
  • Pop-up assemblies.
  • Tub waste overflow.
  • Glass.
  • Bidets.
  • Electronic toilets/bidets.
  • Caulking or grout.
  • Color or purity of the water in the system.
  • Concrete encased plumbing.
  • Conditions of insufficient or excessive water pressure.
  • Conditions of water flow restriction due to scale, rust, sediment, and other deposits.
  • Exterior hose bibs.
  • Faucets and fixtures.
  • Water softeners.
  • Freeze damage.
  • Holding and pressure tanks.
  • Jet pumps.
  • Laundry tubs.
  • Lawn sprinkler systems; saunas and/or steam systems.
  • Polybutylene or quest piping.
  • Galvanized drain lines.
  • Drum traps.
  • Flange.
  • Repair and finish of any floors 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.
Refrigerator
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$35.00
Expand
Covered by THP
  • All components and parts, including integral freezer unit
Not Covered by THP
  • Racks.
  • Shelves.
  • Glass.
  • Lighting.
  • Handles.
  • Doors, door seals, hinges, and gaskets.
  • Freon; disposal and recapture of Freon.
  • Ice makers, ice crushers, beverage dispensers and their respective equipment.
  • Water lines and valve to ice maker.
  • Line restrictions.
  • Leaks of any kind.
  • Maintenance.
  • Interior thermal shells.
  • Freezers which are not an integral part of the refrigerator.
  • Wine chillers or mini refrigerators.
  • Food spoilage.
  • Noise without a related mechanical failure.
  • Multi-media centers and internet connection components.
Spa
Expand
Limit
$500.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$150.00
Expand
Covered by THP
  • Mechanical parts and components including accessible electrical controls.
  • Accessible plumbing lines.
  • Air pumps.
  • Gaskets.
  • Primary circulation pump and motor.
Not Covered by THP
  • Bathtub shell.
  • Heaters.
  • Lights.
  • Multi-media systems.
  • Faucets and fixtures.
  • Caulking and grout.
  • Drains.
  • Jets.
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits.
  • Failures due to dry operation of equipment.
  • Gaining access to electrical, component parts, and/or piping.
  • Tiles and marble; and tub enclosure.
Trash compactor
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by THP
  • All components and parts.
Not Covered by THP
  • Portable units.
  • Lock and key assemblies.
  • Removable buckets.
  • Doors.
  • Door seals.
  • Hinges.
  • Handles.
  • Damage caused by overloading.
  • Commercial units.
Washer
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by THP
  • All components and parts
Not Covered by THP
  • Soap dispensers.
  • Removable minitubs.
  • Filter screens.
  • Knobs and dials.
  • Doors, door seals and hinges.
  • Glass.
  • Leveling and balancing.
  • Damage to clothing.
  • Commercial units.
  • Noise without a related mechanical failure.
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits.
Water heater
Expand
Limit
$500.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$75.00
Expand
Covered by THP
  • All components and parts for gas and/or electric hot water heaters, including circulating pumps.
Not Covered by THP
  • Auxiliary and secondary holding/storage tanks.
  • Main, holding or storage tanks.
  • Expansion tanks.
  • Base pans.
  • Drain pans and drain lines.
  • Line restrictions.
  • Pressure reducing valve.
  • Sediment build-up.
  • Mineral and/or calcium build-up.
  • Rust and corrosion.
  • Combustion shutdown.
  • Color or purity of water.
  • Flues.
  • Vent pipes/lines.
  • Insulation and insulation blankets.
  • Heat recovery units.
  • Tankless hot water heaters.
  • Low boy and/or squat water heaters.
  • Solar water heaters including all solar components and parts.
  • Any noise without a related mechanical failure.
  • Racks.
  • Straps.
  • Timers.
  • Energy management systems.
  • Commercial grade equipment and units exceeding 75 gallons.
Pool
Expand
Limit
$500.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$150.00
Expand
Covered by THP
  • Above ground components and parts of the pumping.
  • Filtration system including pool sweep motor and pump.
  • Pump motor.
  • Blower motor and timer.
  • Filter.
  • Filter timer.
  • Gaskets.
  • Timer.
  • Valves, limited to back flush, actuator, check, and 2 and 3-way valves.
  • Relays and switches.
  • Above ground plumbing pipes and wiring.
Not Covered by THP
  • Portable or above ground spas.
  • Access to pool and spa equipment.
  • Lights.
  • Liners and tile.
  • Jets.
  • Ornamental fountains, waterfalls and their pumping systems.
  • Auxiliary pumps.
  • Pool cover and related equipment.
  • Fill line and fill valves.
  • Built-in or detachable cleaning equipment including, without limitation, pool sweeps, pop-up heads, turbo valves, skimmers, chlorinators, and ionizers.
  • Fuel storage tanks.
  • Disposable filtration mediums.
  • Heat pump.
  • Heaters.
  • Control panels.
  • Control boards.
  • Multi-media centers.
  • Dehumidifiers.
  • Salt water generators and components.
  • Salt water systems.
  • Cracked or corroded filter casings.
  • Grids.
  • Cartridges.
  • Maintenance.
  • Structural defects.
  • Solar equipment and components.
Septic
Expand
Limit
$500.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$100.00
Expand
Covered by THP
  • Sewage ejector pump for septic system only.
  • Jet pump.
  • Aerobic pump.
  • 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 THP
  • Broken or collapsed sewer lines.
  • Tile fields.
  • Leach beds.
  • Leach lines.
  • Lateral lines.
  • Tanks.
  • Insufficient capacity.
  • Seepage pits.
  • Cesspools and sewage ejector pumps not associated with the septic system.
  • 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.
  • Pumping.
  • 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.
Well pump
Expand
Limit
$500.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$75.00
Expand
Covered by THP
  • All components and parts of well pump utilized as a main source of water to the home.
Not Covered by THP
  • Above or underground piping, cable or electrical lines leading to or from the well pump, including those that are located within the well casing.
  • Holding or storage tanks.
  • Digging.
  • Locating pump.
  • Pump retrieval.
  • Redrilling of wells.
  • Well casings.
  • Pressure tanks.
  • Pressure switches and gauges.
  • Check valve.
  • Relief valve.
  • Drop pipe.
  • Piping or electrical lines leading to or connecting pressure tank and main dwelling including wiring from control box to the pump.
  • Booster pumps.
  • Well pump and all well pump components for geothermal and/or water source heat pumps.
Septic tank pumping
Expand
Limit
$200.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$60.00
Expand
Covered by THP
  • The septic tank will be pumped once during the Agreement term if the stoppage is due to septic back up only.
Not Covered by THP
  • 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.
  • Leach beds.
  • Leach lines.
  • Lateral lines.
  • Tanks.
  • Cesspools.
  • Mechanical pumps and/or systems.
Roof leaks
Expand
Limit
$500.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$50.00
Expand
Covered by THP
  • Repair of shake and composition roof leaks over the occupied living area.
Not Covered by THP
  • Leaks related to patios.
  • Porches.
  • Decks.
  • Metal roofs.
  • Foam roofs.
  • Shingles.
  • Cemwood shakes.
  • Cracked and/or missing material.
  • Tiles.
  • Tar and gravel.
  • Flat or built-up roofs.
  • Structural leaks.
  • Asphalt.
  • Gutters.
  • Downspouts.
  • Skylights.
  • Flashing.
  • Patio covers.
  • Solar components.
  • Attic vents.
  • Roof jacks.
  • Satellite components.
  • Antennae.
  • Chimney components.
  • Partial roof replacement.
  • Preventative maintenance.
Free-standing ice maker
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$50.00
Expand
Covered by THP
  • All mechanical components and parts
Not Covered by THP
  • Racks.
  • Shelves.
  • Glass.
  • Lighting.
  • Handles.
  • Doors, door seals, hinges, and gaskets.
  • Freon.
  • Disposal and recapture of Freon, ice crushers.
  • Water lines and valve to ice maker.
  • Line restrictions.
  • Leaks of any kind.
  • Maintenance.
  • Interior thermal shells.
  • Noise without a related mechanical failure.
  • Leveling and balancing.
  • Commercial units
Stand-alone freezer
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$35.00
Expand
Covered by THP
  • All components and parts
Not Covered by THP
  • Racks.
  • Shelves.
  • Glass.
  • Lighting.
  • Handles.
  • Doors.
  • Door seals, hinges, and gaskets.
  • Freon.
  • Disposal and recapture of Freon.
  • Ice makers, ice crushers.
  • Water lines and valve to ice maker.
  • Line restrictions.
  • Leaks of any kind.
  • Maintenance.
  • Interior thermal shells.
  • Food spoilage.
  • Noise without a related mechanical failure.
  • Multi-media centers and internet connection components.
Water softener
Expand
Limit
$500.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$35.00
Expand
Covered by THP
  • Mechanical parts and components of 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 THP
  • Any and all treatment, purification, odor control, iron filtration components and systems.
  • Discharge drywells.
  • Inadequate pressure.
  • Failure due to excessive water pressure or freeze damage.
  • Failures due to mineral and/or sediment.
  • Resin bed replacement and salt.
  • Leased or rented units.
  • Softening agents.
Refrigerator ice maker
Expand
Limit
$200.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$35.00
Expand
Covered by THP
  • Mechanical components and parts related to the kitchen refrigerator ice maker only.
Not Covered by THP
  • Free standing ice makers.
  • Freon.
  • Disposal and recapture of Freon.
  • Dispensers.
  • Ice crushers.
  • Water lines and valve to ice maker.
  • Line restrictions.
Vacuum
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$25.00
Expand
Covered by THP
  • All mechanical components and parts
Not Covered by THP
  • Ductwork; piping; nozzles; hoses; blockages; accessories
Sump pump
Expand
Limit
$500.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$25.00
Expand
Covered by THP
  • Mechanical parts and components of permanently installed sump pump for ground water, within the foundation of the home or attached garage.
Not Covered by THP
  • Any unit located outside the covered property and/or within crawl spaces.
  • Back-up power assemblies.
  • Portable or non-hard piped installed units.
  • Sewerage ejector pumps.
  • Backflow preventers.
  • Check valves.
  • Piping modifications for new installs

With Total Home Protection, as with any other company in the industry, warranty coverage depends on the plan you purchase and any optional add-ons that you select. This is where the money-saving opportunities come into place. Take a look around your house: what items do you think should definitely be covered or maybe covered? The final price you pay for the home warranty will depend on that. The Total Home Protection plan may include the following items:

Air Conditioning


The Total Home Protection warranty for air conditioning will cover mechanical parts and components of two ducted electric central air conditioning systems in the house. Window units, humidifiers, non-ducted wall units, and commercial grade equipment will not be covered under this warranty.

Heating System


For the heating system in your house, Total Home Protection home warranty will cover mechanical parts and components of two systems. These can be either be a hot water and steam heating system or a centrally ducted forced air heating system that works on gas, oil, or electricity. An electric baseboard is also covered. In order to be eligible for coverage, the heating system should not exceed a 5-ton capacity. It should be designed for residential use only, commercial units will not be covered under the home warranty.

Please note that maintenance and cleaning are not included in the coverage plan. Fireplaces, chimneys, heat lamps, and other heat sources are not covered under the Total Home Protection plan. For water heaters, either gas or electric, this home warranty company covers all parts and components except listed in the Not Covered column.

Electrical System

Electrical system coverage by Total Home Protection home warranty is capped at $500 for access, diagnostics, and repairs or replacements per contract term. Central vacuum system, telephone system, cable wiring, security alarms, or any wiring that services a detached structure will not be covered.
 
Plumbing System and Stoppage

For any leaks and breaks of water, gas, drain, waste, or vent lines, any Total Home Protection plan will provide coverage up to $500 per contract term. This includes access, diagnostics, and repair or replacement. Toilet tanks, bowl, and all the concomitant parts will be replaced with builder’s grade, if necessary.


In case the contractors need to break through any walls or ceilings in order to access the repair site, the rough finish will be covered up to $500 per claim. Rough finish includes hanging drywall or patching drywall, stucco, and lath. Supplies or labor for painting, sanding, wallpapering, or tile work are not included in the home warranty plan.

Home Appliances

The Total Home Protection home warranty offers coverage for the following appliances: washer and dryer, refrigerator, built-in microwave, oven, stove or cooktop, dishwasher, and garbage disposal. All mechanical parts and components crucial to appliance operation are covered, but none of the doors, knobs, racks, trays, handles, and such.

There are optional items that can be added to any Total Home Warranty plan. These include pool and spa equipment, central vacuum, well pump, septic system, sump pump, water softener, and more. For the complete list, please refer to the drop-down menu above.

Coverage Rating
3.7 / 5.0
(800) 969-0753 Visit website
The Fine Print
Item
Value
Comparison to Industry
Coverage effective after
30 days
Above industry average
Expand
1
24.86
30
31
Cancellation with refund within
30 days
Above industry average
Expand
3
28.15
30
60
Cancellation fee
$50.00
Above industry average
Expand
0.00
49.79
50.00
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
$0.00
At industry minimum
Expand
0.00
22.81
0.00
75.00
Max time to submit claim
1 days