TotalProtect Home Warranty now operates under Cinch Home Services, an industry leader in the home protection plan space. Please note, if you research TotalProtect, you’ll be redirected to the Cinch website.
Read the review below for information on the former company, or explore our Cinch Home Services review to learn about its new services.
TotalProtect Home Warranty has 40 years of experience in the home warranty industry. With 24/7 service 365 days a year, nationwide coverage, and a commitment to predictable, honest coverage, TotalProtect is one of the best home warranty companies on the market.
We compiled TotalProtect Home Warranty reviews to create a comprehensive guide that helps homeowners decide whether TotalProtect is the right company with the right home warranty plan for them. Our review includes details about TotalProtect Home Warranty’s coverage and pricing, how they stack up against the competition, and general information about the company.
Our Preferred Home Warranty Alternatives
Today’s Homeowner recommends a few home warranty companies to our readers. Below, you’ll see our latest suggestions and their money-saving deals. You can also read our review of the companies with similar home warranty plans to learn more about these top picks.
Company Pros and Cons
This section covers TotalProtect Home Warranty’s high-level pros and cons. Keep these points in mind as you read the rest of the review.
TotalProtect Home Warranty Plans, Coverage, and Cost
TotalProtect Home Warranty offers three plans: an appliance plan, a systems plan, and a combo plan as well as optional add-ons. The plans range from $44–$59 per month. Note that there is an option for a cheaper service fee but an increased monthly fee if you contact a service representative at TotalProtect. Additionally, you can get a month free or up to $100 back if you pay annually in full.
Appliances Plan: $34.95 (with a $100 service fee). TotalProtect offers coverage for 9 items under this plan–fairly standard for an appliance-only plan.
- Refrigerator with Built-In Ice and Water Dispenser
- Cooktop/Range
- Wall Oven
- Range Exhaust Hood
- Microwave (built-in)
- Trash Compactor (built-in)
- Dishwasher (built-in)
- Clothes Washer
- Clothes Dryer
- Optional Coverage for Pools & Spas
Systems Plan: $44.95 per month (with a $100 service fee). This plan covers 17 systems, an above-average amount for a systems-only plan. Note that none of the above appliances are covered under this plan.
- Garbage Disposal
- Air Conditioning (2 Units)
- Heating System (2 Units)
- Water Heater
- Toilets
- Optional Coverage for Pools & Spas
- Sump Pump
- Whirlpool Bath
- Plumbing Lines
- Plumbing Stoppages
- Attic/Whole House Exhaust Fan
- Central Vacuum
- Door Bells & Chimes
- Garage Door Opener
- Smoke Detectors
- Main Breaker/Fuse Panel Box
- Interior Electrical Lines
- Interior Gas Line
Combo Plan: $58.95 per month (with a $100 service fee). This is the most comprehensive coverage plan offered by TotalProtect and offers all systems and appliances covered in the other two plans.
- Refrigerator with Built-In Ice and Water Dispenser
- Cooktop/Range
- Wall Oven
- Range Exhaust Hood
- Garbage Disposal
- Air Conditioning (2 Units)
- Heating System (2 Units)
- Water Heater
- Toilets
- Microwave (built-in)
- Trash Compactor (built-in)
- Dishwasher (built-in)
- Sump Pump
- Whirlpool Bath
- Plumbing Lines
- Plumbing Stoppages
- Attic/Whole House Exhaust Fan
- Central Vacuum
- Door Bells & Chimes
- Garage Door Opener
- Smoke Detectors
- Main Breaker/Fuse Panel Box
- Interior Electrical Lines
- Interior Gas Line
- Optional Coverage for Pools & Spas
- Clothes Washer
- Clothes Dryer
Optional coverage: For an additional cost, home buyers can include the below items to their existing plan. These vary in price but none are more than $20 per month.
- Faucets
- Outside Gas Line
- Outside Sewer Line
- Outside Water Line
- Septic Tank/Septic Tank Pumping
- Standalone Freezer
- Surge Protection (This coverage is not available in the following states: CA, GA, ID, ME, MS, OH, OR, UT & VT)
- Swimming Pool and/or Spa or Combination
- Heater for Swimming Pool and/or Spa or Combination
- Water Softener
- Well Pump System with Booster Pump
TotalProtect also offers a Premier Upgrade Package as an additional add-on. This addition provides additional benefits on a covered claim and may cover additional fees that are not typically covered under a TotalProtect plan. These include (but are not limited to) disposal of equipment, duct, electrical modifications, plumbing, modifications, permits, code upgrades, and others. The upgrade package provides up to either $500 or $1000 towards one of the typically excluded non-covered charges.
Price of TotalProtect vs. Competitors
This graph represents the monthly premium customers would pay under TotalProtect’s most basic plan against what they would pay for competitor plans. Note: these prices do not include the service fee amount.
Details for Top TotalProtect Systems and Appliances
At Today’s Homeowner, we’re dedicated to providing the information readers want the most. With that in mind, our team surveyed 1,000 homeowners in the U.S. and asked them which systems and appliances were most valuable to them.
The data shows that the most important systems and appliances for homeowners are: electrical, plumbing, air conditioning, refrigerators, washer/dryer combos, and the oven/stove/range.
Here’s what coverage for those systems and appliances looks like with a TotalProtect home warranty:
Refrigerator
Refrigerators are covered under the Appliances Plan and the Combo Plan up to $3,000 per term. Covered under that are: electronic components, the compressor, condenser, evaporator, hinges, motors, power cords, internal wiring, ice maker and ice and water dispensers that are built into the refrigerator. Things not covered: water supply lines, doors, door seals, drawers, shelves, knobs, handles, light bulbs, and stand-alone freezers.
Oven/stove/range
Like refrigerators, stoves, ranges, and wall ovens are covered up to $3,000 per term. That includes clock timer, heating elements/burners, switches, relays, touchpads, power cords, electronic components, internal wiring, gas valves, and ignitor and pilot assemblies. Not covered are doors, handles, latches, and door glass. These appliances are covered under the Appliances and Combo Plan.
Clothes washer and dryer
Components covered for washers are: automatic soap and rinse dispensers, washing machine tubs and agitators, latch assemblies, belts, compressor, condensers, control timers, hinges, internal wiring, power cords, motors, water valves, and pumps. Not covered are: doors, handles, knobs, and damage to clothing. Washers are covered up to $3,000.
For dryers, heating elements, drums, drum rollers, power cords, hinges, gas valves, motors, and electronic components are covered up to $3,000 per term. Filters and screens, doors, handles, knobs, damage to clothing, venting, and rollers other than clothes dryer drum rollers are not covered.
Electrical
Covered under electrical are standard mechanical parts or components located within the perimeter of the outer load bearing walls. This can include ceiling fan motors and controls (but does not include transmitters and remotes), attic or whole house exhaust fans, door bells and chimes, interior standard light switches, smoke detectors, main breaker or fuse panel/box, and general line voltage wiring.
Not covered under a plan are bathroom exhaust fans, DC wiring and systems, exterior wiring and components, wiring of components in a detached structure, fire or carbon monoxide alarm/detection systems, batteries, intercom or speaker systems, failures caused by inadequate wiring capacity, circuit overload, power surge, corrosion caused by moisture, and more.
Plumbing
The following items are covered under plumbing: mechanical parts and components of garbage disposals, interior hose bibs, point of service water system/instahot, pressure regulating devices, shower and tub valves, toilet tanks, bowls, and toilet mechanisms within the toilet tank. Clearing plumbing stoppages is covered as well with some restrictions. The company’s sample contract has more specifics. Not covered under plumbing is work under the ground, in the foundation or slab, and any plumbing outside the perimeter of the foundation. Check the sample contract for additional plumbing exclusions.
Air conditioning
TotalProtect is specific in what they cover and what they do not cover in their sample contract when it comes to air conditioning. The air conditioner must be a maximum of five tons, residential, and centrally ducted. Covered under that is accessible ductwork, the air handler, blower fan motors, capacitors, compressors, condensers and condenser fan motors, fan blades, internal wiring, refrigerant, and more.
Not covered are things like condensate pumps and lines, any ductwork or piping that has asbestos, ductwork insulation, and more. Their service contract goes into detail.
Coverage length
A TotalProtect home warranty typically is in a review period for roughly 30 days before coverage becomes effective. TotalProtect contracts typically run for a year with an option to renew at the end of the coverage term.
Coverage limits
TotalProtect has a sample contract on their site which provides robust details. What you’ll find is that most appliances, such as a dishwasher, washer and dryer, or a refrigerator have a coverage cap of $3,000. However, there are no aggregate caps on coverage in any of their plans. Caps on systems vary but an air conditioner, for example, has a cap of $1,500.
Where Is TotalProtect Available?
TotalProtect offers nationwide service, a definite plus for this company, as not all home warranty providers have coverage in all states.
Our Take
TotalProtect is one of the best home warranty companies we’ve researched and reviewed. Their service line is open 24/7/365, which is matched by some competitors (such as Cinch Home Services) but is not something all companies offer. They also have a 180-day workmanship guarantee. That means that if any system or appliance that was repaired under your contract breaks down again within that 180-day window, they’ll fix it again. Additionally, they over nationwide coverage.
TotalProtect has an incredibly detailed sample contract online for potential consumers to view. It goes into detail on what is covered and what is not covered for nearly every system or appliance in their plans. This level of detail can be a big plus if you’re looking to really dig deep into the specifics.
Their three options for plans can be a little limiting, especially if you choose only the systems or only the appliances plan. However, for homeowners who are only looking for that type of coverage, it’s a benefit in that you aren’t paying for more than you want. Their all-inclusive plan, the Combo Plan, is a fair price which helps make up for the limited options. The Combo Plan covers more systems or appliances than the industry average,
One reservation is that TotalProtect doesn’t have the best customer feedback. However, it’s important to note the company has been in business for several decades and provides guarantees and clear guidelines in their service contract.
Overall, we see TotalProtect as a great option if you’re looking choosing between home warranty providers.
You can also check out customers’ reviews of 365 Home Warranty to guide you in selecting the best home warranty for your systems and appliances.
What Others Are Saying
As a consumer, you probably don’t have the time to sit around and sift through the hundreds of reviews left by TotalProtect customers. That’s where we come in. At Today’s Homeowner, we go through user complaints, reviews, and ratings of each home warranty company and compile that information in a chart that’s easy for you to read.
Below, we’ve included TotalProtect Home Warranty ratings compared to the industry average.
Summary of Customer Feedback
| REVIEWER | TOTALPROTECT RATINGS | INDUSTRY AVERAGE RATINGS |
| YELP | 1.0 / 5 (out of 288 reviews) | 1.2 / 5 (out of 375 reviews) |
| BBB | 2.5 / 5 (out of 344 reviews) | 2.0 / 5 (out of 956 reviews) |
| TRUSTPILOT | 3.0 / 5 (out of 1 review) | 1.9 / 5 (out of 937 reviews) |
TotalProtect Home Warranty Reviews
The BBB gives TotalProtect a B+ rating and the company is accredited. They have a 2-star rating on the BBB website and have over 2,000 complaints against them.
Here are some reviews from current customers.
Final Thoughts
Today’s Homeowner gives TotalProtect Home Warranty 4.25 out of 5 stars. The company has good coverage under its Combo Plan for an affordable price and clearly lays out what’s covered and what’s not. Additionally, their service lines are available year-round and offer a 180-day workmanship guarantee. All of these factors (and more) make TotalProtect one of our top choices for home warranties.
TotalProtect is a good choice for you if…
- you value a service line that is available all day and all year long.
- you live in a state with limited choices for home warranty coverage.
- you prefer a lower premium with a higher service fee (potentially valuable trade-off).
TotalProtect may not be a good choice for you if…
- you’d rather have a higher monthly premium than a high service fee.
Frequently Asked Questions About TotalProtect Home Warranty
What does TotalProtect cover?
TotalProtect covers the repair/replacement costs of nine appliances and/or 16 systems that break from normal wear and tear or rust and corrosion.
Does TotalProtect cover older systems and appliances?
Yes, they do provide service or replacement of covered systems and appliances as long as they were in the home and in good working order on the coverage start date.
Is a home inspection required to purchase a home warranty from TotalProtect?
No, a home inspection is not required. However, note that on older homes, the company does reserve the right to inspect before coverage goes into effect.
How do I submit a claim to TotalProtect?
Claims can be placed online at my.totalprotect.com or by calling their service line at 800.474.4047. Their service line is available 24/7/365.
Methodology
At Today's Homeowner, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source.
Our rating system involves a weighted, 100-point scale that scores home warranty companies on plans offered, coverage, state availability, cost, trustworthiness, customer service, and unique benefits.
For more details, check out our affiliate disclosure and rating methodology.
