Total Home Protection Review (2018)

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Total Home Protection

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Total Home Protection is a home service plan company that focuses on plans for both systems and appliances in the home. They offer multiple tiers of service with both home systems and appliances represented. Overall, customers have had good experiences with Total Home Protection, but some had issues getting repairs and replacements done in a prompt manner.

Home Warranty Scores

Overall Score: 7.5/10

Customer Satisfaction: 7.6/10

Prompt Service: 7.5/10

Repair / Replace Quality: 7.3/10

Price Range: $369-$499

Deductible: $45-$60

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Company Details

Total Home Protection is an independent home warranty business based in the Northeast. They offer a variety of home warranty plans. Here are additional details:

Total Home Protection
HeadquartersPhiladelphia, PA
# of States ServedAll States
BBB RatingB-

Product Details

Total Home Protection offers a variety of home warranty plans -- with two different tiers and optional add-on coverage available. Here is the full breakdown:

PlanCoverage Items
Gold Plan
  • plumbing w/ stoppages
  • water heater
  • whirlpool bathtub
  • electrical system
  • oven / range / stove
  • cooktop
  • sump pump
  • built-in microwave
  • dishwasher
  • garbage disposal
  • trash compactor
  • ductwork
  • garage door opener
  • ceiling / exhaust fans
Platinum PlanEverything in the Gold plan and:
  • A/C (2 units)
  • heating system (2 units)
  • refrigerator
  • washer / dryer
Optional Add-Ons
  • pool / spa
  • additional spa
  • limited roof leak
  • central vacuum
  • sump pump
  • well pump
  • septic system
  • septic pumping
  • second refrigerator
  • stand alone freezer
  • water softener
  • refrigerator ice maker
  • free standing ice maker
  • additional A/C
  • additional heating system
  • additional water heater
  • additional garage door opener

Exclusions / Limitations:

    There are limitations and exclusions that are within your contract -- before signing, make sure to read the contract in its entirety.

Ease of Making Claims

Total Home Protection has a customer portal and a phone-in claim service. As of this writing, the claim service was under maintenance, which means that the only way to get service is to call in. Although for some this wasn't a drawback, for others they described having to call multiple times to get a claim properly initiated.

Positives

  • Phone call-in available

Negatives

  • Hold times reported on the phone
  • Online claim service may or may not be available

Repairs & Replacements

Many customers report having a simple and straightforward experience getting repairs with THP. Some of the negative reviews that are described include service providers that were unavailable in certain locations -- making repairs not possible. Others had issues with service providers and coverage items. Make sure to read your contract as there may be some loopholes for denying coverage that you should be knowledgeable about.

THP vs. Other Top Home Warranties

THP vs. American Home Shield

American Home Shield has different plan tiers than THP -- having both a systems only and appliance only plan. Additionally they have a combo plan and a fully customizable plan where you can choose only the appliances and systems that you really need to get covered. Additionally, they handle the most repairs and replacements in the US for home warranties and have some of the highest ratings in the industry.

THP vs. Choice Home Warranty

Choice offers a better pricing structure than American Home Shield and is competitive with THP. They offer similar plans to THP in terms of what they cover. However, customers are generally content with the service that they get from Choice when it comes to repairing and replacing appliances and systems.

THP vs. First American

First American offers a big insurance backing to claims, which can be positive in getting coverage in rural areas vs. THP's smaller service provider footprint. That said, there are some negative reviews of customers feeling they had to pay too much in certain conditions. That said, customers overall have higher marks for First American's service.

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Home Warranty Score: 7.5 / 10 from 22 Ratings