Total Home Protection Reviews & Coverage — Our Verdict

Looking for Total Home Protection reviews? In this article, we share reviews from THP customers and analyze the company’s coverage plans, cost, and more.
September 15, 2020
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Considering Total Home Protection as your home warranty provider? Total Home Protection (THP) is a relatively new home warranty company that’s available in 45 states, excluding Iowa, New York, Nevada, Washington, and California.

In this article, we discuss Total Home Protection reviews and analyze the company’s coverage plans, cost, and claims process. Then, we give our verdict on whether this provider is the best home warranty company for you and your home. To get a free quote from Total Home Protection, call 478-210-5091 or fill out this online form.

In this article:

  • Total Home Protection Plans
  • Total Home Protection Cost
  • Total Home Protection Reviews
  • How to Submit a Claim
  • Verdict & Recommendation
  • Best Home Warranty Companies
  • Frequently Asked Questions

Total Home Protection Plans

Total Home Protection offers two home warranty plans that cover essential home systems and appliances: the Gold Plan and the Platinum Plan. The Platinum Plan includes everything in the Gold Plan, plus coverage for a washer, dryer, refrigerator, heating system, and air conditioning system.

Compare the covered items under each plan below:

Gold Plan:

  • Electrical system
  • Whirlpool bathtub
  • Water heater
  • Plumbing system
  • Plumbing stoppage
  • Oven/range/stove
  • Cooktop
  • Sump pump (permanently installed)
  • Built-in microwave
  • Dishwasher
  • Garbage disposal
  • Trash compactor
  • Ductwork
  • Garage door opener
  • Ceiling and exhaust fans

Platinum Plan:

  • Everything in the Gold Plan, plus:
  • Air conditioning system (2 units)
  • Heating system (2 units)
  • Refrigerator
  • Clothes washer
  • Clothes dryer

Optional Add-ons

Total Home Protection offers 17 optional add-ons:

  • Sump pump
  • Well pump
  • Pool/spa
  • Additional spa
  • Septic system
  • Limited roof leak
  • Central vacuum
  • Septic pumping
  • Second refrigerator
  • Stand alone freezer
  • Water softener
  • Refrigerator ice maker
  • Free-standing ice maker
  • Additional A/C system
  • Additional heating system
  • Additional water heater
  • Additional garage door opener 

Total Home Protection Cost

Based on the quotes our team received, Total Home Protection monthly premiums range between $45.33–$52.00 per month, which is within the standard industry range of about $25 to $60 per month. The company’s service fee, which is the amount charged per needed repair or replacement, costs $75. This amount is also within the standard industry range of $75 to $125. 

Note: Both of these prices may vary based on the size of your home, where you live, and the coverage plan you select.

Below are the sample quotes we received from Total Home Protection:

  • Gold Plan: $45.33 per month
  • Platinum Plan: $52.00 per month
  • Optional Add-Ons: varies by item
  • Service Fee (both plans): $75

Total Home Protection Reviews

When completing research on Total Home Protection, our review team found that the company’s reputation is questionable. As of March 2020, Total Home Protection is being sued by the attorney general of Pennsylvania for wrongfully denying covered claims and failing to respond to consumer claims and inquiries. 

It’s not uncommon for class action lawsuits to be filed against home warranty companies, as many of the major providers we reviewed have faced lawsuits at some point in the last decade. However, Total Home Protection has also received cease and desist orders in California and Nevada for unlawfully selling home warranties in these states. 

Total Home Protection reviews from customers have been mixed across different review websites. The company holds a 4-star rating on Google (out of 5) but only holds a 1-star rating (out of 5) on Yelp. Some positive customer reviews mentioned that the company provided quick repairs and professional customer service, while negative reviews often emphasized unexpected claim denials.

Here’s a sampling of Total Home Protection reviews:

My claim was for a measly $200, and I have now spoken to Ray, Cherish, Paige, Asia, Chase, April, and Edward, and I have not received the check yet. I would not recommend this company to my worst enemy as they certainly over-promise and under-deliver.” — Greg M. via BBB on June 22, 2020

I had an A/C unit go out. The repairman they sent out to my house explained it was normal wear and tear and said the maintenance was well kept. [Total Home Protection] called me the following day to say it was denying the claim, [claiming] it was a pre-existing repair, even though the repair company that the company chose sided with me. Unbelievable!” — Chris G. via BBB on June 26, 2020

[My ceiling fan] stopped working a week ago. Total Home Protection arranged for me to pick up a new one, and it was installed the next day. I would recommend this warranty to everyone.” — Ying Xiao via Google Reviews in July 2019

[Total Home Protection] scheduled a local serviceman to come [and fix our refrigerator]. [That same day], our refrigerator was working again and my wife is back to drinking her filtered water. Thanks, Total Home Protection.” — Jax Ryner via Google Reviews in July 2019

How to Submit a Claim

You can submit a claim with Total Home Protection by calling the company’s claims department at 1-800-545-0402 or by submitting a claim through your online account. The customer service department is available 24 hours a day, seven days a week. There’s no limit on the number of claims you can submit with Total Home Protection, but it’s not clear how quickly the company responds to submitted claims.

Verdict & Recommendation

Total Home Protection is a solid option for customers seeking a home warranty provider with a long list of add-on options. We like that the company has a 24/7 claims hotline, which makes it a good choice if you need emergency service.

To get a free quote from Total Home Protection, call 478-210-5091 or fill out this online form.

However, because of its lawsuit, cease and desist orders, and many negative reviews mentioning unexpected claim denials, homeowners should consider their options. We encourage our readers to get free quotes from the trusted home warranty brands featured in the section below.

Best Home Warranty Companies

Our review team conducted an analysis of the major home warranty companies in the industry and ranked them on factors like cost, breadth of coverage, and customer reviews. American Home Shield, Choice Home Warranty, and Select Home Warranty received the highest marks in our research and are some of the best home warranty companies available. Use the table below to compare these top providers and request a quote from the company of your choice.

American Home Shield

  • Get a free quote: Call 844-529-9298 or complete this form
  • Our verdict: Best Overall
  • Number of plans: 4
  • Monthly cost: $49.99–$59.99
  • Service fee: $75–$125
  • State availability: All but Alaska
  • BBB rating: B

Choice Home Warranty

  • Get a free quote: Call 929-400-6165 or complete this form
  • Our verdict: Best for Older Homes
  • Number of plans: 2
  • Monthly cost: $36.17–$43.85
  • Service fee: $60–$85
  • State availability: All but CA, WA, and OK
  • BBB rating: B

Amazon Home Warranty

  • Get a free quote: Call 866-605-8194 or complete this form
  • Our verdict: Best Add-Ons
  • Number of plans: 3
  • Monthly cost: $42.00 to $52.00
  • Service fee: $75
  • State availability: All but CA, IA, ME, MN, NM, OK, UT, and WA
  • BBB rating: Not rated

Select Home Warranty

  • Get a free quote: Call 888-370-3956 or complete this form
  • Our verdict: Best for Budget Shoppers
  • Number of plans: 3
  • Monthly cost: $35.83–$37.50
  • Service fee: $75
  • State availability: All but NV, NY, and WA
  • BBB rating: B

Frequently Asked Questions About Total Home Protection

Does Total Home Protection offer a discount?

Yes, Total Home Protection offers a $50 discount for customers who purchase a single-payment home warranty plan.

Is there a fee to transfer my policy?

No, there is no fee to transfer your home warranty policy.

What is a home warranty?

A home warranty is a service contract that protects your systems and appliances when they need unexpected repairs and replacements. Instead of paying expensive, out-of-pocket costs whenever a home system or appliance breaks down, home warranty owners pay a small deductible of about $75 to $125 per service and a monthly premium of about $25 to $60. Many homeowners find that their home warranty plan gives them peace of mind and financial stability in regards to their systems and appliances.

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