TotalProtect Home Warranty Reviews & Coverage — Our Take

Searching for the right home warranty? Read our TotalProtect Home Warranty review to learn about the coverage and cost of the Cinch Home Services legacy brand.
By Home Service Research Team
November 18, 2020
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If you’re searching for a home warranty provider that best suits your needs, TotalProtect Home Warranty might be a provider worth considering. The company is a subsidiary of Cinch Home Services, which has been in the home warranty industry for over four decades. 

Our team has created this comprehensive TotalProtect Home Warranty review to provide you with details on plans, cost, and include customer reviews. Keep reading to determine if it’s the best home warranty company for you.

Background and Availability

TotalProtect has been in the home warranty industry for over 40 years. It is a product of Cinch Home Services, a reputable company accredited by the Better Business Bureau (BBB). Getting a free quote from Cinch is easy—just call 877-589-0505 or complete this form

TotalProtect is available in 48 states, only Hawaii and Alaska are excluded.

If TotalProtect Home Warranty is not available in your state, consider getting a free quote from Choice Home Warranty by calling 929-400-6165 or filling out this form.

TotalProtect Home Warranty Plans

TotalProtect offers three main plans, the Appliances Plan, Systems Plan, and Combo Plan. Like with many other home warranty companies’ plans, you can choose between protecting your major appliances or your major systems, and for a slight upcharge, you can cover both.

The Appliances Plan covers:

  • Refrigerator
  • Cooktop/Range
  • Oven
  • Range Exhaust Hood
  • Microwave
  • Trash Compactor
  • Dishwasher
  • Washer
  • Dryer

The Systems Plan covers:

  • Garbage Disposal
  • Air Conditioning
  • Heating
  • Water Heater
  • Toilets
  • Plumbing Lines
  • Plumbing Stoppages
  • Sump Pump
  • Whirlpool Bath
  • Attic Exhaust Fan
  • Central Vacuum
  • Doorbells
  • Garage Door Opener
  • Smoke Alarms
  • Main Breaker/Fuse Panel Box
  • Interior Gas Lines

The Combo Plan covers all of both plans. Included in all three plans is coverage for unknown pre-existing conditions and rust coverage. No inspections are needed. 

TotalProtect offers some options for add-on coverage as well, including:

  • Swimming Pool
  • Spa
  • Faucets
  • Septic Tank
  • Standalone Freezer
  • Well Pump
  • Outside Gas Lines
  • Outside Sewer Lines

TotalProtect also offers a Premier Upgrade Plan, which covers expenses related to home warranty repairs, such as hauling old equipment away. It does not cover your service call fee.

Coverage Exclusions

Like all home warranty providers, there are exclusions to what TotalProtect Home Warranty will cover. A full list can be found on TotalProtect’s website, but we’ve listed some important ones below:

  • Cosmetic Damage
  • Ductwork
  • Wall Air Conditioning Unit
  • Standalone Freezer
  • Bathtubs
  • Shower Heads
  • Toilet Seats
  • Underground Plumbing
  • Incompatible Systems
  • Hauling Away Old Equipment or Appliances
  • Toxic Materials

Coverage Limits

A coverage limit is how much your home warranty provider will pay before you are responsible for the remainder of the repair or replacement fees. We found TotalProtect’s limits to be in line with the industry standards. 

For a full list of limits, review your contract or get a free quote today. Some of the limits on a TotalProtect warranty include:

  • Air Conditioning: $1,500
  • Heating: $1,500
  • Appliances: $3,000
  • Repair of Walls: $1,000
  • Outside Gas Line: $2,000
  • Sewer Line: $3,000
  • Water Line: $2,000
  • Pool: $1,000

TotalProtect Home Warranty Cost

We found TotalProtect Home Warranties to be reasonably priced. With a $100 service call fee, the Appliances Plan is $34.95 per month, the Systems Plan is $44.95 per month, and the Combo Plan is $58.95 per month. You have the option to increase your service call fee to $125 or $150; the higher your service call fee is, the lower your monthly payments are. A $150 service fee would be higher than what many competitors charge, but it might be ideal for customers seeking the most affordable premium.

How to Submit a Claim

Submitting a claim with TotalProtect Home Warranty is simple. It has a 24/7 customer service hotline and an online portal dedicated to your claims. 

TotalProtect has a network of 40,000 service providers. It has dedicated service network managers who are in charge of screening the repairmen for credentials to ensure you receive the best service possible. TotalProtect also offers a 180-day workmanship guarantee—among the highest in the industry—for your repairs.

TotalProtect Home Warranty Reviews

We’ve compiled some reviews from the Better Business Bureau (BBB) to help you get a better pulse on what consumers think about their TotalProtect Home Warranty. As with most home warranty reviews online, customers have left both positive and negative reviews.

All reviews are taken from Cinch Home Services’ BBB profile:

“I would rate my experience as Excellent because they do what they say. They replaced my heating & air system, my ceiling fan and my microwave, regardless of the age. They are the best.” - Virginia A.

“Worst company ever! I have called for 17 days to attempt to get a refund on a deductible that was cancelled, I get transferred over and over and still do not have my money. I was told no supervisors are available. There is no contact information anywhere online for any of the executives to contact. I am beyond upset!” - Kristy B.

“Absolutely a waste of your money. Can't get a real person to speak to and can't get a thing fixed. Basically have spent $600 this year for someone to turn off my icemaker...I can do that myself. Still have a broken fridge and no one will fix the problem. Save your hard earned money.” - Mallory S.

“My refrigerator was leaking and I called to place a claim. The agent was extremely helpful and friendly she scheduled an appointment with Sears. The technician came out the same day replaced the ice maker and blew out the clogged lines and repaired the refrigerator. I'm extremely happy with the service and how quickly the repairs were. I would definitely recommend this Home Warranty to all my friends and family.” - Wendy D.

Verdict & Recommendation

With one plan for systems, one for appliances and one that covers both, TotalProtect Home Warranty’s coverage offerings are on par with or better than most providers in the industry. However, it is not available in all states, and some third-party reviews show feedback from customers who were displeased with the service they received. 

We were impressed with the 180-day service guarantee and flexibility with service call fees. Ultimately, we believe the good outweighs the bad and encourage readers to get a free online quote to determine if a plan would fit within their budget.

Best Home Warranty Companies

Our reviews team has analyzed the major companies across the home warranty industry and has identified the top providers. To find the right plan for you, we encourage you to get quotes from Choice Home Warranty, Amazon Home Warranty, Select Home Warranty, and American Home Shield before making a final decision on your home warranty.

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 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, OK, 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-

American Home Shield

  • Get a free quote: Call 844-529-9298 or complete this form
  • Our verdict: Best Overall
  • Number of plans: 3
  • Monthly cost: $49.99–$59.99
  • Service fee: $75–$125
  • State availability: All but Alaska
  • BBB rating: B

Frequently Asked Questions About TotalProtect Home Warranty

Can I replace an item instead of repairing it?

The decision to replace rather than repair is solely TotalProtect’s choice, according to its sample contract. TotalProtect will make efforts to provide a replacement with similar mechanical capabilities.

If I submit a claim, how long will it take for a service provider to come to my house?

TotalProtect will make a referral within two hours on a business day and within 48 hours on the weekends. In case of emergency, this process will be expedited.

How can I cancel my TotalProtect Home Warranty?

If you call and cancel within the first 30 days, and if no claims have been filed, you are entitled to a refund. TotalProtect is entitled to cancel in the case of fraud or non-payment

Can I trust TotalProtect Home Warranty’s choice of independent contractors?

Yes, TotalProtect employs a team whose sole responsibility is screening and approving independent contractors to repair your home. It also offers a 180-day service guarantee on all repairs made.