TotalProtect Home Service Plan Review

TotalProtect House Service Plan is a house guarantee plan supplier providing insurance policies all through the continental United States. As is the case with different residence guarantee suppliers, you should buy a plan from TotalProtect over the telephone or on-line. TotalProtect’s pricing and plan inclusions are easy, and prospects can simply view a pattern contract earlier than contacting the corporate to request extra data.

Earlier than diving into the small print of TotalProtect and its plan choices, it’s essential to debate what’s and isn’t often coated beneath a house guarantee coverage. A house guarantee is a coverage you should buy to guard you from the usually excessive value of changing or repairing your private home’s main parts within the occasion of a breakdown. House warranties have been developed to fill a number of the gaps in protection left by your householders insurance coverage. As a substitute of offering a reimbursement after one among your main residence parts is broken by one thing like a fireplace or electrical storm, residence warranties provide inexpensive repairs that end result from regular equipment or system put on and tear.

If you signal onto a house guarantee plan, your coverage contract will embody a listing of home equipment and residential techniques coated beneath your private home guarantee. Don’t assume that any residence element is roofed in your plan until you see particulars explicitly specified by your contract. In alternate for sustaining your protection, you’ll pay your private home guarantee supplier a month-to-month premium much like the premium you pay in your auto insurance coverage or medical health insurance.

If a element in your house breaks down, name your private home guarantee supplier. The corporate will overview your contract to find out whether or not your breakdown is roofed. Whether it is, a technician might be dispatched to your property to supply a prognosis and restore as wanted. As a substitute of paying the total value of the service you obtain, you’ll pay a beforehand agreed-upon service charge. Your private home guarantee supplier will cowl the rest of the invoice, whatever the precise worth of service that you simply obtain.

TotalProtect House Service Plan gives three coverage choices: the ApplianceProtect equipment guarantee, the SystemProtect system guarantee and the all-inclusive TotalProtect plan. The next residence parts are included in protection beneath every plan.

ApplianceProtect

The ApplianceProtect plan gives restricted protection for the next residence home equipment:

• Clothes washer
• Clothes dryer
• Fridge
• Constructed-in ice maker
• Vary, oven and exhaust fan
• Dishwasher
• Microwave
• Trash compactor

That is fewer home equipment than are discovered with another residence guarantee equipment protection suppliers. Competing residence guarantee service plan suppliers like Selection House Guarantee and Choose House Guarantee embody extras like protection for a ceiling fan and storage door opening mechanism with their equipment plans. Nevertheless, at a lower cost level, the ApplianceProtect plan can suit your wants for those who’re solely excited about fundamental coverage inclusions to economize.

SystemProtect

The SystemProtect plan is TotalProtect’s residence system plan possibility, providing protection for the next:

• Air-con system and heating system (two items complete)
• Ductwork
• Electrical wiring
• Ceiling followers
• Storage door opener
• Smoke detectors
• Inside plumbing and gasoline strains
• Rubbish disposal
• Water heater
• Sump pump
• Plumbing stoppages
• Whirlpool/jetted bathtub
• Emergency lodging reimbursement as much as $1,200 (one declare per yr)
• Restore to tough end ($1,000 most)

TotalProtect

The TotalProtect plan is TotalProtect’s all-inclusive residence guarantee plan possibility. It contains protection for all the techniques and home equipment discovered on each of the prior plans listed above. This plan additionally contains reimbursement for as much as $1,000 of your householders insurance coverage deductible within the occasion that your injury is classed as ensuing from a coated peril somewhat than regular use. 

Optionally available Coverages

You may add non-compulsory protection for the next residence parts onto your TotalProtect Plan: 

• Taps 
• Outdoors gasoline line
• Outdoors sewer line 
• Outdoors water line 
• Premier Improve (contains $500 to $1,000 extension on protection limits for qualifying home equipment and techniques)
• Septic tank and septic tank pumping 
• Standalone freezer 
• Surge protector 
• Swimming pool and/or spa
• Heater for swimming pool and/or spa
• Water softener 
• Properly pump

Every non-compulsory add-on comes with its personal further month-to-month cost. This cost is added on to your month-to-month residence guarantee invoice. 

TotalProtect House Service Plan gives just one methodology for patrons to file a declare or get in contact with customer support.

• Through telephone: To contact TotalProtect over the telephone for basic customer support inquiries, name 866-259-4374. If you have already got a plan and that you must file a declare, name 800-474-4047.

Particular customer support hours usually are not provided on TotalProtect’s web site. Nevertheless, the corporate confirms that claims reporting is offered 24/7.

Sooner or later, TotalProtect can work to make claims reporting simpler for policyholders by instituting a web based buyer portal, like these seen with competing residence guarantee suppliers. This characteristic permits householders to maintain and add data of injury and upkeep on to the house guarantee supplier. 

TotalProtect House Service Plan gives standardized pricing all through america, and you may view pricing earlier than you request contact from a consultant. This transparency is refreshing within the residence guarantee trade, as most opponents require that you simply consent to telephone calls from representatives earlier than studying extra about pricing. The chart beneath summarizes pricing for all three TotalProtect plan choices.

These month-to-month premium costs are aggressive with different residence guarantee suppliers. Particularly, the ApplianceProtect plan is extra inexpensive than most different equipment guarantee insurance policies, which begin round $30 a month. This will make the ApplianceProtect plan an interesting selection for householders who wish to add some stage of residence guarantee safety to their checklist of residence coverages with out overspending.

Whereas TotalProtect’s month-to-month costs may be aggressive, the corporate’s customary service charge is just not. TotalProtect’s present commerce charge is about at $100, which implies that you’ll pay $100 to your technician each time you name for a restore or alternative by means of your coverage. By comparability, most residence guarantee plan suppliers have service charges of round $75. This excessive per-incident cost vastly reduces the usefulness of your private home guarantee protection.

Like your house owner’s insurance coverage protection, each residence guarantee coverage contains limitations on how a lot the house guarantee firm will spend every year fulfilling your claims. In case you hit your protection restrict, you may be accountable for restore and alternative prices past what your plan supplies.

Particular protection limits on every merchandise fluctuate by coverage and element — you may view a whole checklist of exclusions and protection limits in your contract phrases. Some protection limits on the TotalProtect plan embody:

Further protection limits apply to non-compulsory add-on objects.

Low protection limits scale back the effectiveness of your plan and make it much less worthwhile. Make sure to know precisely what’s and isn’t coated on your private home guarantee plan earlier than you signal onto any type of protection. 

TotalProtect House Service gives just a few distinctive advantages over different residence guarantee suppliers, together with:

• No upkeep data required: TotalProtect doesn’t require you to submit residence upkeep data while you apply for a house guarantee coverage. It additionally doesn’t deny protection for failures that happen due to a scarcity of upkeep. In case you haven’t been maintaining with your private home upkeep schedule otherwise you simply moved into a house and haven’t acquired upkeep data from the vendor, this could make TotalProtect an interesting selection.
• Rust protection: TotalProtect’s plans embody protection for injury and breakdowns ensuing from rust and corrosion. These elements are excluded from protection beneath most competing residence guarantee plans, which is one other nice characteristic for householders dwelling in older properties that could be at increased danger for injury from rust.
• Reasonably priced equipment protection: TotalProtect’s ApplainceProtect plan is offered in most areas for lower than $20 per thirty days. Whereas it contains protection for just a few fundamental home equipment, this low-cost safety could be accessible for householders on a decent price range. 

The method of shopping for a plan from TotalProtect is simple. Prospects can view pricing and contract particulars earlier than requesting contact from a consultant, which makes it simpler to check plan costs and inclusions between firms. If you’re prepared to purchase, full a web based kind, overview your protection contract and pay on your coverage. Most householders will be capable of signal onto protection in 5 minutes utilizing TotalProtect’s intuitive shopping for course of. Sooner or later, it might be nice to see TotalProtect proceed to make its buyer expertise so simple as potential by introducing on-line claims submissions. 

TotalProtect House Service Plan Versus Opponents

Whereas TotalProtect’s insurance policies do provide advantages to householders, they aren’t the one residence guarantee service supplier available on the market. Firms like Selection House Guarantee, Choose House Guarantee and AFC House Membership additionally provide residence guarantee choices with their very own set of inclusions and add-ons. 

Benzinga gives insights and opinions on the next residence guarantee service plan suppliers. Contemplate persevering with your seek for the fitting residence guarantee protection utilizing just a few of the hyperlinks beneath. 

Total, TotalProtect House Service Plan is a fundamental residence guarantee coverage providing. Although month-to-month pricing is aggressive, per-incident service charges are increased than common at $100. TotalProtect gives a simple shopping for course of, however you may solely submit a declare to the corporate over the telephone. Nonetheless, TotalProtect could be an interesting selection for those who’re trying to find a house guarantee that can cowl you when rust or a scarcity of upkeep causes your breakdowns.

TotalProtect House Service Plan Video Tutorial

Often Requested Questions