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TotalProtect Home Warranty Review

This Total Protect Home Warranty review will help homeowners decide on whether or not to insure their home systems and appliances based on the company’s terms and conditions, as well as from customer reviews from multiple consumer reporting sites. All Total Protect Home Warranty parameters in this review are compared to the industry average to give you an idea of where this company stands in the home warranty market. In our Vis a Vis section, you can see how Total Protect compares to the industry leaders.

Official website:
TotalProtect 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
  • Large number of homeowners
  • Vast social media presence
  • Clients report fair compensation
  • Low cancellation fee
  • Different plan types available

  • Delays in repairs reported
  • Low contractor ability reported
  • 1 day to submit a claim
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Covered Appliances and Systems
  • Icon
view more
Air conditioner
Covered by Systems Plan, Combo Plan (up to $10,000.00)
Heating system
Covered by Systems Plan, Combo Plan (up to $10,000.00)
Ductwork
Not covered
Humidifier
Not covered
Air cleaner
Not covered
Vacuum
Covered by Systems Plan, Combo Plan
Refrigerator
Covered by Appliances Plan, Combo 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
Microwave
Covered by Appliances Plan, Combo Plan (up to $1,000.00)
Oven
Covered by Appliances Plan, Combo Plan (up to $1,000.00)
Dishwasher
Covered by Appliances Plan, Combo Plan (up to $1,000.00)
Water dispenser
Not covered
Trash compactor
Covered by Appliances Plan, Combo Plan (up to $1,000.00)
Disposal
Covered by Systems Plan, Combo Plan
Cooktop exhaust fan
Not covered
Ceiling fan
Covered by Systems Plan, Combo Plan
Attic fans
Covered by Systems Plan, Combo Plan
Bath exhaust fan
Not covered
Whole house fan
Covered by Systems Plan, Combo Plan
Washer
Covered by Appliances Plan, Combo Plan (up to $1,000.00)
Dryer
Covered by Appliances Plan, Combo Plan (up to $1,000.00)
Plumbing
Covered by Systems Plan, Combo Plan (up to $10,000.00)
Plumbing stoppages
Covered by Systems Plan, Combo Plan
Water heater
Covered by Systems Plan, Combo Plan (up to $10,000.00)
Water purification
Not covered
Water softener
Covered as optional (up to $10,000.00)
Well pump
Covered as optional (up to $10,000.00)
Toilet
Covered by Systems Plan, Combo Plan
Septic
Not covered
Sump pump
Covered by Systems Plan, Combo Plan
Septic tank pumping
Covered as optional (up to $1,000.00)
Outside sewer line
Covered as optional (up to $3,000.00)
Outside water line
Covered as optional (up to $2,000.00)
Electrical
Covered by Systems Plan, Combo Plan (up to $10,000.00)
Generator
Not covered
Garage door
Covered by Systems Plan, Combo Plan
Doorbell
Covered by Systems Plan, Combo Plan
Alarm
Not covered
Outside electrical line
Not covered
Outside gas line
Covered as optional (up to $2,000.00)
Pool
Covered as optional (up to $10,000.00)
Spa
Covered as optional (up to $1,000.00)
Pests
Not covered
Sprinkler
Not covered
Roof leaks
Not covered
our overall rating 70.20%
Updated for Jun 17, 2019
Facts and Figures
  • Effective in?
  • Hours 24/7
  • Cancellation$25
  • Premium $383 - $659
  • Deductible$125
  • Limits$1,000 - $10,000
Ratings
  • Trustworthiness:
  • Plans and Coverage:
  • Feedback:
  • The Fine Print:
  • Promotions:
  • Editor Rating:
  • Reader Rating:
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Our Top-Rated Alternatives to TotalProtect 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

TotalProtect Home Warranty is one of the veterans of the home warranty industry. It provides coverage for home appliances as well as heating, plumbing, air conditioning, and electrical systems with a coverage limit up to $10,000, which is one of the highest in the market. The company offers different plan types that cover home appliances only, home systems only or a combination of both. The coverage is available in all states except Hawaii.

Comparing Total Protect vs American Home Shield, the leader of the industry, we can say that while being a smaller home warranty company, Toyal Protect provides comparable service for comparable price.

Total Protect Home Warranty customer service is available 24/7/365 at 800-474-4047. The company states that it will provide a referral to an independent service contractor within two hours if the service request was made during regular business hours, and within a day for requests received after hours, including weekends and holidays.

In the past three years, Total Protect resolved almost 2, 000 complaints. Upon analyzing over 500 customer reports, we found out that most Total Protect reviews concerned appliance repairs. Eight percent of the customers praised good work, and 5% mentioned contractor professionalism. However, in 26% of the analyzed Total Protect reviews, the company's clients complained about communication problems and repair delays.

We encourage you to read the full Total Protect Home Warranty review and the advertiser disclosure in order to avoid any misunderstandings in the future.

 

Summary rating:
Value for money:
Poor
Not available through RHW
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Trustworthiness

Total Protect Home Warranty company is one of the oldest on the market. Established in 1979, the company is currently headquartered in Florida. TotalProtect’s sister company is Homesure of America Home Warranty.

Legal
Ownership
Cross Country Home Services, Inc.; Cross Country Group, LLC
Established
1979
CEO
Chris Askew
Registered in
Sunrise, FL
Address
1625 NW 136th Ave., Sunrise, FL 33323
Available states
All except: Hawaii
Full list of states
Alabama, Alaska, 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 the district court of the customer's address
Accessibility
How to contact
Main page >> Contact us
Online chat
No
Social media

There are multiple ways to contact Total Protect Home Warranty representatives. You can get a free quote by phone, via the contact form on the company’s website, or via social networks. Total Protect has accounts on Facebook, Twitter, YouTube, and Google+.

Benchmarks
TotalProtect Home Warranty
Other companies
Company size
178
0
1,650
Annual revenue
No data
0
$1,276,000,000
Number of homeowners
285,600
0
2,200,000
Number of BBB complaints closed within last 3 years
No data
0
12,770
Traffic
12,200
0
383,900
Number of independent contractors
40,000
0
44,000
Reputation
BBB accreditation
NR (Not Accredited)
Awards
Gold 2019 Stevie Award in the Sales Distinction of the Year category, Silver 2019 Stevie Award in the Front-Line Customer Service Professional of the Year category, Silver 2019 Stevie Award in the Best Use of Technology in the Customer Service category, Bronze 2019 Stevie Award in the Customer Service Complaints Team of the Year category, Bronze 2019 Stevie Award in the Business Development Achievement of the Year category

Over the years, Total Protect Home Warranty has established a solid reputation as a reliable provider of home warranty coverage for its customers. It has been accredited by Better Business Bureau and rated on Yelp and other consumer reporting sites. Total Protect Home Warranty BBB rating is not available at the moment since the company is not accredited by Better Business Bureau.

Trustworthiness Rating
4.4 / 5.0
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Coverage

There are three Total Protection plans available to customers in all states: the Appliances Plan, Systems Plan, and Combo Plan. All plans include unknown pre-existing condition coverage and rust and corrosion coverage. In order to purchase a plan, one should contact the company either by phone or by the contact form on the company’s website and sign the contract. No inspection will be required.

The cheapest plan is The Appliances Plan that will cover all of the appliances listed in the coverage table. No home systems will be covered. The Systems Plan, on the contrary, will cover all of the home systems, but no appliances. The Combo Plan covers everything included in the Appliances Plan plus all of the home systems from the Systems Plan so it will work best for homeowners who want their home warranty to cover as many items as possible. The homeowner’s insurance deductible reimbursement is $500 with the Combo Plan. All Total Protection plans include optional coverage for pools and spas. All plans include a 180-day workmanship guarantee for any covered repairs.

Similar to American Home Shield, the monthly home warranty cost with TotalProtect will depend on the deductible—the higher the deductible, the lower the premium. You may see the price values change as you change the Service Call Fee radio button.

Summary of plans and coverage:
+ more plans
Coverage Term
Service Call Fee
Items
Limit
Gold Systems Plan
Platinum Combo Plan
Silver Appliance Plan
Optional Coverage
Premium Amount
$40.95
$54.95
$31.95
$36.00 - $240.00
 
Coverage
$1,000.00 - $10,000.00
52%
82%
30%
16%
Coverage details
Air conditioner
$10,000.00
Details
Covered by THW
  • 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 THW
  • 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
Attic fans
-
Details
Covered by THW
No Info
Not Covered by THW
No Info
Ceiling fan
-
Details
Covered by THW
No Info
Not Covered by THW
No Info
Dishwasher
$1,000.00
Details
Covered by THW
  • Mechanical parts and components affecting the proper operation
  • Kitchen appliance coverage is only for primary units
  • Automatic soap dispenser
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clocktimers are excluded unless failure prohibits normal cooking function)
  • Clothes dryer heating elements
  • Clothes dryer drum rollers
  • Defrost heaters
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Ignitor and pilot assemblies
  • Internal wiring
  • Latch assemblies (excluding self cleaning latch mechanisms)
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners (sensi-temp elements/burners will be replaced only with standard elements/burners)
  • Solid state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Water valves (dishwasher and clothes washer only)
Not Covered by THW
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals
  • Drawers
  • Drip pans
  • Drums
  • Exhaust fan not solely for venting range/cooktop fumes
  • Filters and screens
  • Food spoilage
  • Ice and beverage dispensers
  • Ice makers and their respective components including 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 minitubs
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Self cleaning mechanisms including door latches
  • Sensi-temp/sensi-heat burners
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks
  • Trays
  • Tubs
  • Venting
  • Washing machine agitators
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits
Disposal
-
Details
Covered by THW
No Info
Not Covered by THW
No Info
Doorbell
-
Details
Covered by THW
No Info
Not Covered by THW
No Info
Dryer
$1,000.00
Details
Covered by THW
No Info
Not Covered by THW
No Info
Electrical
$10,000.00
Details
Covered by THW
  • Ceiling fan motors and their controls (excluding transmitters and remotes)
  • One (1) garage door opener
  • Interior standard light switches, main breaker or fuse panel/box receptacles
  • General line voltage wiring
Not Covered by THW
  • Attic, bathroom, and/or whole house exhaust fans
  • Batteries
  • Direct current (DC) wiring and systems
  • Doorbells and chimes
  • Exterior wiring and components (except main panels mounted to exterior wall)
  • Any wiring or components servicing a detached structure
  • Exhaust fans
  • Fire, smoke or 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
Garage door
-
Details
Covered by THW
No Info
Not Covered by THW
No Info
Heating system
$10,000.00
Details
Covered by THW
  • 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
  • Ignitor 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 THW
  • 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 THW
No Info
Not Covered by THW
No Info
Oven
$1,000.00
Details
Covered by THW
No Info
Not Covered by THW
No Info
Plumbing
$10,000.00
Details
Covered by THW
  • 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
  • Up to three (3) toilets
Not Covered by THW
  • 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
  • Bathtubs
  • 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
  • Jetted bathtubs
  • Jet pumps
  • Laundry tubs
  • 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
  • Showerheads
  • Sinks
  • Solar systems
  • Sump pumps
  • Toilet tank lids and toilet seats
  • Water damage
  • Water filters
  • Water purification systems
  • Water softeners
  • Wells and well pumps
  • Whirlpools, spas and their respective plumbing and mechanical components
Plumbing stoppages
-
Details
Covered by THW
No Info
Not Covered by THW
No Info
Refrigerator
$1,000.00
Details
Covered by THW
  • Mechanical parts and components affecting the proper operation
  • Kitchen appliance coverage is only for primary units
  • Automatic soap dispenser
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clocktimers are excluded unless failure prohibits normal cooking function)
  • Clothes dryer heating elements
  • Clothes dryer drum rollers
  • Defrost heaters
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Ignitor and pilot assemblies
  • Internal wiring
  • Latch assemblies (excluding self cleaning latch mechanisms)
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners (sensi-temp elements/burners will be replaced only with standard elements/burners)
  • Solid state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
Not Covered by THW
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals
  • Drawers
  • Drip pans
  • Drums
  • Exhaust fan not solely for venting range/cooktop fumes
  • Filters and screens
  • Food spoilage
  • Ice and beverage dispensers
  • Ice makers and their respective components including 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 minitubs
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Self cleaning mechanisms including door latches
  • Sensi-temp/sensi-heat burners
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks
  • Trays
  • Tubs
  • Venting
  • Washing machine agitators
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits
Sump pump
-
Details
Covered by THW
No Info
Not Covered by THW
No Info
Toilet
-
Details
Covered by THW
No Info
Not Covered by THW
No Info
Trash compactor
$1,000.00
Details
Covered by THW
No Info
Not Covered by THW
No Info
Vacuum
-
Details
Covered by THW
No Info
Not Covered by THW
No Info
Washer
$1,000.00
Details
Covered by THW
  • Mechanical parts and components affecting the proper operation
  • Kitchen appliance coverage is only for primary units
  • Automatic soap dispenser
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clocktimers are excluded unless failure prohibits normal cooking function)
  • Clothes dryer heating elements
  • Clothes dryer drum rollers
  • Defrost heaters
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Ignitor and pilot assemblies
  • Internal wiring
  • Latch assemblies (excluding self cleaning latch mechanisms)
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners (sensi-temp elements/burners will be replaced only with standard elements/burners)
  • Solid state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Water valves (dishwasher and clothes washer only)
Not Covered by THW
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals
  • Drawers
  • Drip pans
  • Drums
  • Exhaust fan not solely for venting range/cooktop fumes
  • Filters and screens
  • Food spoilage
  • Ice and beverage dispensers
  • Ice makers and their respective components including 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 minitubs
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Self cleaning mechanisms including door latches
  • Sensi-temp/sensi-heat burners
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks
  • Trays
  • Tubs
  • Venting
  • Washing machine agitators
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits
Water heater
$10,000.00
Details
Covered by THW
  • Mechanical parts and components of one (1) water heater, including circulatory pumps and domestic hot water coils attached to boilers
  • Mechanical failure resulting from sediment build up
Not Covered by THW
  • 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
Whole house fan
-
Details
Covered by THW
No Info
Not Covered by THW
No Info
Pool
$10,000.00
$240.00
Details
Covered by THW
  • Above ground accessible plumbing lines leading to and from unit
  • Air pumps
  • Blower motor
  • Filters (freestanding housing body, laterals, pressure gauges, back flush valves) Gaskets
  • Impellers
  • Internal spa pack heater
  • Internal switches
  • Primary circulator pump and motor
  • Relays. For the heater, covers up to $1,000 total per coverage term for the mechanical components and parts of gas, electric, oil, and heat pump units.
Not Covered by THW
  • Automatic feeders and chemicals
  • Chlorinators
  • “Creepy crawlers” and similar cleaning units
  • Electrical lines
  • Filter elements or media (i.e., cartridges, grids and sand)
  • Inaccessible underground and/or concrete encased plumbing
  • Jets
  • Lighting pop up heads and turbo valves
  • 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 spa
  • Timer and remote control systems and their components
Spa
$1,000.00
$240.00
Details
Covered by THW
  • Above ground accessible plumbing lines leading to and from unit
  • Air pumps
  • Blower motor
  • Filters (freestanding housing body, laterals, pressure gauges, back flush valves) Gaskets
  • Impellers
  • Internal spa pack heater
  • Internal switches
  • Primary circulator pump and motor
  • Relays. For the heater, covers up to $1,000 total per coverage term for the mechanical components and parts of gas, electric, oil, and heat pump units.
Not Covered by THW
  • Automatic feeders and chemicals
  • Chlorinators
  • “Creepy crawlers” and similar cleaning units
  • Electrical lines
  • Filter elements or media (i.e., cartridges, grids and sand)
  • Inaccessible underground and/or concrete encased plumbing
  • Jets
  • Lighting pop up heads and turbo valves
  • 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 spa
  • Timer and remote control systems and their components
Well pump
$10,000.00
$120.00
Details
Covered by THW
  • Mechanical components and parts of the submersible or above ground well pump and booster pump utilized as the sole source of water supply only for the main dwelling, excluding irrigation system, as follows: controls; impellers; motor; pump and seals
  • For units that also supply water for use outside the main dwelling, only the capacity required to supply water to the main dwelling, excluding irrigation system
Not Covered by THW
  • 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 and well casings
Water softener
$10,000.00
$72.00
Details
Covered by THW
  • 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 THW
  • 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
Septic tank pumping
$1,000.00
$60.00
Details
Covered by THW
  • 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 THW
  • 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
  • The cost associated with locating or gaining access to the septic tank or sewer hook-ups
  • 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
Outside gas line
$2,000.00
$60.00
Details
Covered by THW
  • Outside gas service line is defined as a natural gas supply line from the curb box to the inlet valve of the meter for one single family residential home – it is the most direct line between the curb box and the inlet valve of the meter
  • It includes the gas supply line between the outlet of the meter and the exterior of the foundation
Not Covered by THW
  • Any gas service lines in excess of 500 feet in length
  • High pressure gas lines and the high pressure service line which is defined as a natural gas supply line with a pressure rating of 60 psi or greater
  • Natural gas meter including connections
  • Appliances or appliance connectors or burner tips
  • Any gas service line not measuring between ½” and 1 ¼” in diameter
  • Utility meters
  • Any interior gas piping
Icon
Outside water line
$2,000.00
$60.00
Details
Covered by THW
  • Outside water line repair or replacement if the failure is a result of normal wear and tear
  • Only the portion of the service line which extends from the curb box shut off valve to the meter or exterior load bearing wall of the covered property
Not Covered by THW
  • Any outside water line in excess of 500 feet in length
  • Any outside water service line not connected to a public water system, including but not limited to water lines connected to a well system
  • Lead piping
  • Utility meters
  • Stoppages or blockages caused by root invasion and/or by foreign objects, such as but not limited to, toys and bottle caps
  • Sprinkler and/or any irrigation lines or systems
  • Any interior water or sewer lines
Outside sewer line
$3,000.00
$60.00
Details
Covered by THW
  • Outside sewer service line failures as a result of normal wear and tear
Not Covered by THW
  • Any outside sewer line in excess of 500 feet in length any outside sewer service line not connected to a public sewer system, including but not limited to sewer lines
  • connected to a septic system or leach field
  • Outside holding tanks
  • Ejector pumps
  • Service or damage related to the back-up of sewers and drains or any other damage caused directly or indirectly by sewer main lines
  • Any outside sewer service line connected to a lift station
  • Utility meters
  • Stoppages or blockage caused by root invasion and/or by foreign objects, such as but not limited to, toys and bottle caps
  • Any interior water or sewer lines
Stand-alone freezer
-
$36.00
Details
Covered by THW
  • Mechanical parts and components of one (1) standalone freezer as follows:
  • 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 THW
  • Automatic deodorizers
  • Commercial units
  • Doors
  • Door cables
  • Door glass
  • Door seals
  • Drawers
  • Drip pans
  • Filters and screens
  • Food spoilage
  • Ice dispenser and their respective 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
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits
Premium Amount
Gold Systems Plan
52%
$40.95
Platinum Combo Plan
82%
$54.95
Silver Appliance Plan
30%
$31.95
COVERAGE DETAILS
Air conditioner
Expand
Limit
$10,000.00
Gold Systems Plan
Platinum Combo Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by THW
  • 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 THW
  • 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
Attic fans
Expand
Limit
Gold Systems Plan
Platinum Combo Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by THW
No Info
Not Covered by THW
No Info
Ceiling fan
Expand
Limit
Gold Systems Plan
Platinum Combo Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by THW
No Info
Not Covered by THW
No Info
Dishwasher
Expand
Limit
$1,000.00
Gold Systems Plan
Platinum Combo Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by THW
  • Mechanical parts and components affecting the proper operation
  • Kitchen appliance coverage is only for primary units
  • Automatic soap dispenser
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clocktimers are excluded unless failure prohibits normal cooking function)
  • Clothes dryer heating elements
  • Clothes dryer drum rollers
  • Defrost heaters
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Ignitor and pilot assemblies
  • Internal wiring
  • Latch assemblies (excluding self cleaning latch mechanisms)
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners (sensi-temp elements/burners will be replaced only with standard elements/burners)
  • Solid state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Water valves (dishwasher and clothes washer only)
Not Covered by THW
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals
  • Drawers
  • Drip pans
  • Drums
  • Exhaust fan not solely for venting range/cooktop fumes
  • Filters and screens
  • Food spoilage
  • Ice and beverage dispensers
  • Ice makers and their respective components including 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 minitubs
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Self cleaning mechanisms including door latches
  • Sensi-temp/sensi-heat burners
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks
  • Trays
  • Tubs
  • Venting
  • Washing machine agitators
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits
Disposal
Expand
Limit
Gold Systems Plan
Platinum Combo Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by THW
No Info
Not Covered by THW
No Info
Doorbell
Expand
Limit
Gold Systems Plan
Platinum Combo Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by THW
No Info
Not Covered by THW
No Info
Dryer
Expand
Limit
$1,000.00
Gold Systems Plan
Platinum Combo Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by THW
No Info
Not Covered by THW
No Info
Electrical
Expand
Limit
$10,000.00
Gold Systems Plan
Platinum Combo Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by THW
  • Ceiling fan motors and their controls (excluding transmitters and remotes)
  • One (1) garage door opener
  • Interior standard light switches, main breaker or fuse panel/box receptacles
  • General line voltage wiring
Not Covered by THW
  • Attic, bathroom, and/or whole house exhaust fans
  • Batteries
  • Direct current (DC) wiring and systems
  • Doorbells and chimes
  • Exterior wiring and components (except main panels mounted to exterior wall)
  • Any wiring or components servicing a detached structure
  • Exhaust fans
  • Fire, smoke or 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
Garage door
Expand
Limit
Gold Systems Plan
Platinum Combo Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by THW
No Info
Not Covered by THW
No Info
Heating system
Expand
Limit
$10,000.00
Gold Systems Plan
Platinum Combo Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by THW
  • 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
  • Ignitor 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 THW
  • 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
Gold Systems Plan
Platinum Combo Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by THW
No Info
Not Covered by THW
No Info
Oven
Expand
Limit
$1,000.00
Gold Systems Plan
Platinum Combo Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by THW
No Info
Not Covered by THW
No Info
Plumbing
Expand
Limit
$10,000.00
Gold Systems Plan
Platinum Combo Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by THW
  • 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
  • Up to three (3) toilets
Not Covered by THW
  • 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
  • Bathtubs
  • 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
  • Jetted bathtubs
  • Jet pumps
  • Laundry tubs
  • 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
  • Showerheads
  • Sinks
  • Solar systems
  • Sump pumps
  • Toilet tank lids and toilet seats
  • Water damage
  • Water filters
  • Water purification systems
  • Water softeners
  • Wells and well pumps
  • Whirlpools, spas and their respective plumbing and mechanical components
Plumbing stoppages
Expand
Limit
Gold Systems Plan
Platinum Combo Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by THW
No Info
Not Covered by THW
No Info
Refrigerator
Expand
Limit
$1,000.00
Gold Systems Plan
Platinum Combo Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by THW
  • Mechanical parts and components affecting the proper operation
  • Kitchen appliance coverage is only for primary units
  • Automatic soap dispenser
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clocktimers are excluded unless failure prohibits normal cooking function)
  • Clothes dryer heating elements
  • Clothes dryer drum rollers
  • Defrost heaters
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Ignitor and pilot assemblies
  • Internal wiring
  • Latch assemblies (excluding self cleaning latch mechanisms)
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners (sensi-temp elements/burners will be replaced only with standard elements/burners)
  • Solid state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
Not Covered by THW
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals
  • Drawers
  • Drip pans
  • Drums
  • Exhaust fan not solely for venting range/cooktop fumes
  • Filters and screens
  • Food spoilage
  • Ice and beverage dispensers
  • Ice makers and their respective components including 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 minitubs
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Self cleaning mechanisms including door latches
  • Sensi-temp/sensi-heat burners
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks
  • Trays
  • Tubs
  • Venting
  • Washing machine agitators
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits
Sump pump
Expand
Limit
Gold Systems Plan
Platinum Combo Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by THW
No Info
Not Covered by THW
No Info
Toilet
Expand
Limit
Gold Systems Plan
Platinum Combo Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by THW
No Info
Not Covered by THW
No Info
Trash compactor
Expand
Limit
$1,000.00
Gold Systems Plan
Platinum Combo Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by THW
No Info
Not Covered by THW
No Info
Vacuum
Expand
Limit
Gold Systems Plan
Platinum Combo Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by THW
No Info
Not Covered by THW
No Info
Washer
Expand
Limit
$1,000.00
Gold Systems Plan
Platinum Combo Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by THW
  • Mechanical parts and components affecting the proper operation
  • Kitchen appliance coverage is only for primary units
  • Automatic soap dispenser
  • Belts
  • Compressor
  • Condensers
  • Control timers (oven/range clocktimers are excluded unless failure prohibits normal cooking function)
  • Clothes dryer heating elements
  • Clothes dryer drum rollers
  • Defrost heaters
  • Electronic components
  • Evaporators
  • Fan motors
  • Gas valves
  • Hinges
  • Hoses
  • Ignitor and pilot assemblies
  • Internal wiring
  • Latch assemblies (excluding self cleaning latch mechanisms)
  • Motors
  • Power cords
  • Pulleys
  • Pumps
  • Ram assembly
  • Range/cooktop/heating elements/burners (sensi-temp elements/burners will be replaced only with standard elements/burners)
  • Solid state control boards
  • Switches and relays
  • Thermostats
  • Touch pads
  • Tracks
  • Transmissions
  • Wash arm assemblies (dishwasher only)
  • Water valves (dishwasher and clothes washer only)
Not Covered by THW
  • Automatic deodorizers
  • Buckets
  • Commercial units
  • Damage to clothing
  • Doors
  • Door cables
  • Door glass
  • Door seals
  • Drawers
  • Drip pans
  • Drums
  • Exhaust fan not solely for venting range/cooktop fumes
  • Filters and screens
  • Food spoilage
  • Ice and beverage dispensers
  • Ice makers and their respective components including 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 minitubs
  • Rollers other than clothes dryer drum rollers
  • Rooftop exhaust units
  • Rotisseries and probes
  • Secondary units
  • Self cleaning mechanisms including door latches
  • Sensi-temp/sensi-heat burners
  • Shelves
  • Springs
  • Stand-alone freezers
  • Structural components
  • Timers and clocks
  • Trays
  • Tubs
  • Venting
  • Washing machine agitators
  • Conditions of water flow restriction due to scale, rust, minerals and other deposits
Water heater
Expand
Limit
$10,000.00
Gold Systems Plan
Platinum Combo Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by THW
  • Mechanical parts and components of one (1) water heater, including circulatory pumps and domestic hot water coils attached to boilers
  • Mechanical failure resulting from sediment build up
Not Covered by THW
  • 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
Whole house fan
Expand
Limit
Gold Systems Plan
Platinum Combo Plan
Silver Appliance Plan
Optional Coverage
Expand
Covered by THW
No Info
Not Covered by THW
No Info
Pool
Expand
Limit
$10,000.00
Gold Systems Plan
Platinum Combo Plan
Silver Appliance Plan
Optional Coverage
$240.00
Expand
Covered by THW
  • Above ground accessible plumbing lines leading to and from unit
  • Air pumps
  • Blower motor
  • Filters (freestanding housing body, laterals, pressure gauges, back flush valves) Gaskets
  • Impellers
  • Internal spa pack heater
  • Internal switches
  • Primary circulator pump and motor
  • Relays. For the heater, covers up to $1,000 total per coverage term for the mechanical components and parts of gas, electric, oil, and heat pump units.
Not Covered by THW
  • Automatic feeders and chemicals
  • Chlorinators
  • “Creepy crawlers” and similar cleaning units
  • Electrical lines
  • Filter elements or media (i.e., cartridges, grids and sand)
  • Inaccessible underground and/or concrete encased plumbing
  • Jets
  • Lighting pop up heads and turbo valves
  • 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 spa
  • Timer and remote control systems and their components
Spa
Expand
Limit
$1,000.00
Gold Systems Plan
Platinum Combo Plan
Silver Appliance Plan
Optional Coverage
$240.00
Expand
Covered by THW
  • Above ground accessible plumbing lines leading to and from unit
  • Air pumps
  • Blower motor
  • Filters (freestanding housing body, laterals, pressure gauges, back flush valves) Gaskets
  • Impellers
  • Internal spa pack heater
  • Internal switches
  • Primary circulator pump and motor
  • Relays. For the heater, covers up to $1,000 total per coverage term for the mechanical components and parts of gas, electric, oil, and heat pump units.
Not Covered by THW
  • Automatic feeders and chemicals
  • Chlorinators
  • “Creepy crawlers” and similar cleaning units
  • Electrical lines
  • Filter elements or media (i.e., cartridges, grids and sand)
  • Inaccessible underground and/or concrete encased plumbing
  • Jets
  • Lighting pop up heads and turbo valves
  • 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 spa
  • Timer and remote control systems and their components
Well pump
Expand
Limit
$10,000.00
Gold Systems Plan
Platinum Combo Plan
Silver Appliance Plan
Optional Coverage
$120.00
Expand
Covered by THW
  • Mechanical components and parts of the submersible or above ground well pump and booster pump utilized as the sole source of water supply only for the main dwelling, excluding irrigation system, as follows: controls; impellers; motor; pump and seals
  • For units that also supply water for use outside the main dwelling, only the capacity required to supply water to the main dwelling, excluding irrigation system
Not Covered by THW
  • 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 and well casings
Water softener
Expand
Limit
$10,000.00
Gold Systems Plan
Platinum Combo Plan
Silver Appliance Plan
Optional Coverage
$72.00
Expand
Covered by THW
  • 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 THW
  • Any and all treatment, purification, odor control, iron filtration components and systems
  • Discharge drywells