Universal Home Protection Review (2018)

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Universal Home Protection

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Universal Home Protection is a regional home warranty company based in Wisconsin for those living in Wisconsin and Northern Illinois (including Chicago). Universal Home Protection has a family business like atmosphere that separates it from the larger companies in the industry. In terms of repair and replacement service, some had satisfactory experiences but others had problems with their service provider network.

Home Warranty Scores

Overall Score: 7.5/10

Customer Satisfaction: 7.5/10

Prompt Service: 7.3/10

Repair / Replace Quality: 7.6/10

Price Range: $450-$525

Deductible: $75

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Company Details

UHP focuses on offering a small business feel to the home warranty business -- focusing on a smaller area more directly. Here are additional details about their company:

UHP
HeadquartersMadison, WI
# of States ServedWI & Northern IL
BBB RatingB

Product Details

Universal Home Proection offers 2 different warranty plans with the ability to add extra items and optional add-ons. Here is the breakdown of what they cover:

PlanCoverage Items
Basic Plan
  • electrical
  • plumbing
  • heating
  • central A/C
  • water heater
  • washer / dryer
  • built-in microwave
  • oven / range / cooktop
  • refrigerator
  • built-in dishwasher
  • garbage disposal
  • built-in trash compactor
  • ceiling / exhaust fans
  • garage door opener
Elite PlanEverything in the Basic Plan and:
  • water softener
  • stand alone freezer
  • permanent sump pump
  • wine chiller
Optional Add-On Items
  • well pump
  • pool, spa, or combo equipment
  • select additional items already covered

Exclusions / Limitations:

  • Per unit monetary limitations and exclusions -- please read the terms and conditions carefully before purchasing
  • Not covered: damage because of flood, fire, lightning, smoke, earthquake, freeze, storm, theft, war, accident, riots, vandalism, improper installation, power failure, pest damage, neglect or misuse, or acts of God
  • UHP is not liable for any damages resulting from a UHP approved/independent contractor’s service or any delay in or failure to provide service. UHP is not liable for any consequential, incidental, special, and/or punitive damages arising or resulting from, or related to any UHP approved/independent contractor’s service, including but not limited to, damages resulting from delays in obtaining parts and/or labor, labor difficulties due to circumstances beyond the contractor’s control, the failure of any equipment used by a UHP approved/independent contractor and/or any negligent or unlawful acts or omissions of any UHP approved/independent contractor.

Ease of Making Claims

Most customers find it easy to get in touch with UHP and file a claim. They have both an online form and a call-in number. That said, there are some complaints about service providers not showing up for the appointment and new appointments having to be set. This can be frustrating to customers.

Positives

  • Phone call-in and form available

Negatives

  • Some service providers do not show up for appointments.

Repairs & Replacements

Overall, there are a few things to note about the terms and conditions including the lack of liability for service providers malfeasance. Although this is not necessarily uncommon in the industry, it is something that should cause customers to pause. In terms of getting service providers to provide service, the general reviewer sentiment is very mixed. There are those that found the service providers incompetent and unable to perform repairs.

UHP vs. Other Top Home Warranties

UHP vs. American Home Shield

UHP has two tiers of appliance and system combo plans, while American Home Shield has separate systems and appliance plans with the addition of a fully customizable plan where customers can choose only the systems and appliances that they want to have covered. In addition to that, American Home Shield has one of the largest service provider networks in the country with stringent applications. Their customers give them good ratings overall for repairs and replacements.

UHP vs. Choice Home Warranty

Choice is similar to UHP in that it has two separate plans that are a combination of both appliances and systems. Their pricing is competitive versus UHP with a lower starting call fee. They also receive accolades in general from customers concerning their service provider interactions.

UHP vs. First American

First American is an insurance / title company and a home warranty company boasting a large service provider base and a nationwide footprint. They do well with customers overall with most being pleased with the service they receive. Some had problems with feeling that they had to pay too much in certain instances, but overall they have similar plans to UHP, good prices and solid reviews from customers overall.

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Home Warranty Score: 7.5 / 10 from 41 Ratings