TotalProtect Home Warranty Review

TotalProtect offers quick service with reasonable fees and low annual plan cost

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Total Protect Home Warranty
Investopedia’s Rating
4.6

Our Take

Total Protect is a home warranty company available in all fifty states plus Washington D.C. and has been in business since 1979. They are now a subsidiary of Cinch Home Services. They offer three plan options at extremely competitive rates, the ability to choose your own service person, 24/7 customer service, free cancellation, high payout caps, and extremely fast average response times. 

Investopedia surveyed consumers about what they look for in a home warranty plan and Total Protect performs very well on the factors respondents care about the most.  74% of survey respondents listed cost as the most important factor when choosing a home warranty.  The average annual cost of a Total Protect home warranty plan is $423.40 which makes theirs the most affordable plan out of the twenty-five options we reviewed. 48% of respondents valued the speed at which requests for service are resolved and Total Protect has one of the shortest average response times of any company we reviewed with an average response time of 13 hours.  In addition to these factors Total Protect also offers transparent pricing information on their website (valued by 46% of respondents), and customers can use their own technicians (valued by 38% of respondents). 

Total Protect is one of the longest running home warranty companies we reviewed and their experience shows in their emphasis on providing coverage, options, rates, and features potential customers value the most. Unfortunately their average customer reviews are extremely low, implying that their warranties look better on paper than they perform in real life.

  • Pros & Cons
  • Key Takeaways 
  • Specifications
Pros & Cons
Pros
  • Low annual cost of $423.40 on average

  • Fast self-reported average response time of 13 hours

  • High payout caps of $2-3,000 per item

Cons
  • Higher Service Fees of $75-125

  • Low customer satisfaction. One-star average on Yelp across 425 reviews.

  • No Better Business Bureau profile despite being in business for 40+ years

Key Takeaways 
  • Total Protect Home Warranty is available in all 50 states and the District of Columbia
  • Total Protect offers three plan options: ApplianceProtect ($32.99/mo.), SystemsProtect ($44.99/mo.), and TotalProtect ($54.99).
  • Customers can choose their own repair person.
  • Average claim response time of 13 hours.
  • Reviews available are extremely critical of this company’s claims.
Specifications
  • Total Protect Home Warranty Website.
  • Founded in 1979
  • Coverage in 50 states and D.C.
  • A subsidiary of Cinch Home Services
  • Three plans available
  • Coverage limit is $3,000 per item
  • Sample contracts are available
  • You can use your own repair person
  • Average annual plan cost is $423.40
  • Customer service available 24/7 
  • Adjusted star rating: 4.6
  • Abysmal customer reviews- 1 star average out of 425 reviews

TotalProtect is no longer being offered to consumers. Please refer to our Best Home Warranty Companies article.

Company Overview

Total Protect was founded in 1979 and operates in all 50 states plus the District of Columbia.  The company is a subsidiary of Cinch Home Services.  On the Total Protect Website they list being accredited by Consumer Affairs with over 3,000 reviews. There are no reviews on the Consumer Affairs website for Total Protect and they do  not have a Better Business Bureau Profile, which is odd for a nationwide company that has been in business for over forty years. 

The only websites that contain high volumes of reviews for Total Protect Home Warranty are Yelp and HomeWarrantyreviews.com. Yelp gives the company a 1 star average out of 425 reviews. This is a noticeably low average as customers cannot give a company less than 1 star on Yelp. Homewarrantyreviews.com gives Total Protect a 1.5 star average out of 1,272 reviews.

States Covered 

Total Protect is available in all 50 states and D.C. 

Available Plans


Total Protect offers three different plans.  Their ApplianceProtect plan covers larger appliances including refrigerators, stoves, washer/dryer, etc. It has a cost of $32.99 per month and comes with a $125 service call fee per claim.  Their SystemsProtect plan covers HVAC, electrical, and plumbing systems and includes emergency lodging reimbursement of up to $1,200 per year.  It has a cost of $44.99 per month and also includes a $125 service call fee per claim. Their TotalProtect plan is a combination of SystemsProtect and ApplianceProtect which also includes up to $1,000 in homeowners insurance deductible reimbursement. Their TotalProtect plan has a cost of $54.99 and includes a $125 service call fee per claim. Lower plan rates and service call fees are available through promotional offers.

Lodging Reimbursement

Multiple customer reviews of this company list that they have not been able to be reimbursed for emergency lodging that was needed as a result of a covered issue.

Total Protect Home Warranty Plans

Feature ApplianceProtect SystemsProtect TotalProtect
Plan price $32.99/month $44.99/month $54.99/month
Plumbing System ✓ 
Sump Pump
Central Heat ✓  ✓ 
Garbage Disposal   ✓  ✓ 
Electrical ✓  ✓ 
Water Heater ✓ 
Attic Fan
Dishwasher ✓    ✓ 
Range/Oven/Cooktop ✓ 
Built-in Microwave ✓ 
Air Conditioner ✓ 
Washer/Dryer/Refrigerator ✓  ✓ 
Emergency Lodging Reimbursement ✓  ✓ 
Homeowners Insurance Deductible Reimbursement ✓ 

Real Estate Plans

Total Protect does not offer specialty plans for real estate agents or home sellers. 

Plan Pricing

Total Protect offers the lowest average annual plan cost ($423.40) of the 25 home warranty companies we reviewed. Their standard plan pricing ranges from $32.99 monthly to $54.99 monthly.  However, the company has several promotional partnerships making their pricing as low as $19.99 to $47.95 monthly for the same plans.

On paper their plans seem to be an excellent value compared to other home warranty companies but their high volume of extremely negative reviews suggest that this company over-promises and under-delivers. 

Optional Add-On Coverage

Total Protect offers a wide range of add on services some of which are only available as part of promotional offers

Add on options include: 

  • Pools
  • Spas
  • ​All Flat Panel TVs: LCD, LED, PLASMA
  • Remote Controls
  • 3-D Glasses
  • Home Theater Receiver
  • Wireless Router
  • Gaming System
  • Speakers and Subwoofers
  • Over 40 additional components
  • Desktops
  • Laptops (Includes Accidental Damage from Handling)
  • Tablets (Includes Accidental Damage from Handling)
  • Monitor
  • Keyboard and Mouse
  • Printers
  • Modems
  • Satellite Radio
  • Security Cameras
Promotional Options

Total Protect Home Warranty has very different options including lower service fees available depending on the promotional link you click on.  They currently have promotions with ADT, Founders Insurance, Security Service Federal Credit Union, Encompass, NASA Federal Credit Union, and many others. If you aren’t seeing the options you want available, try clicking through different promotional links from search results.

Types of Damage Covered

Total Protect Home Warranty offers detailed descriptions of the types of damage covered for each plan level in the sample contracts on their website.

Total Protect plans list coverage of mechanical parts and components on most systems. There are few exclusions on most items and most exclusions are focused on auxiliary or unrelated issues. For example: almost everything to do with the function of a central heating system is covered including pilot assemblies, wall units, fans, burners, thermostats, etc. Damage to a chimney on a decorative fireplace is not covered. 

Plan Exclusions

Total Protect Home Warranty plans have several exclusions that are common among most home warranty companies detailed by plan level on their website.  In general their plan exclusions focus on issues not directly related to the damage covered.

For example: Total Protect does not cover damage to panels or cabinetry that cover heating or cooling systems. If damage to clothing occurs because of a washing machine malfunction, Total Protect does not cover that damage. 

In addition to those exclusions,Total Protect excludes coverage of hazardous items like Asbestos. Total Protect also does not cover commercial-grade appliances or systems. 

Payout Caps and Limitations

Total Protect has payout caps ranging from $1,500 per item to $3,000 per item.  The sample contracts available for each of their promotional deals have different payout caps.  If you are considering this company and are looking for higher payout caps then clicking through a different promotional offer may give you them. While this company appears to have transparent pricing and terms on first glance, in reality their pricing and coverage options are extremely opaque and variable.

Coverage

27% of our survey respondents listed that a high maximum payout cap is important to them when comparing a home warranty policy.  Total Protect has payout caps per item that are average among the 25 home warranty companies we reviewed.

Repair Time

Total Protect lists their average claim repair time as 13 hours. However, 100+ customer reviews complained of repairs taking weeks and in some cases months. These long repair timelines may have been unavoidable with supply chain issues as a result of the coronavirus pandemic but this is yet another example of Total Protect’s self-reported data contradicting what customers are saying is really happening.

Choice

34% of survey respondents listed choosing their own repair person as important to them when comparing a home warranty policy.  Total Protect allows customers to choose their own repair person.

Customer Service and Claims Process

Total Protect Home Warranty has a customer service phone number of (800)-474-4047 that it lists as available 24/7. They also refer customers to an online claims process for requesting service through the Cinch Home Services website.

Customer Satisfaction

Total Protect seems to have terrible customer satisfaction. They do not exist on many popular review websites for warranty products like the Better Business Bureau (BBB). However, their parent company Cinch Home Services has 3,381 complaints on BBB, which is an extremely high number of complaints for a home warranty company.

On other review websites where there is robust review data the reviews for Total Protect are extremely negative. On Yelp they have a 1 star average out of 425 reviews. On HomeWarrantyreviews.com they have a 1.5 star average out of 1,272 reviews.

Common complaints are about extremely long repair timelines, in several cases many months for vital repairs like heating and cooling systems and critical appliances. Susan E. from Redmond, Oregon wrote in her Yelp review “I cannot even give this company 1 star. We have had coverage since 2018. Our HVAC went out in November of 2020. [. . .] We have been waiting for 7 months.” Cody G. from Wichita, Kansas wrote “Total Protect has not only ignored my requests to fix or replace my stove for the past 3 MONTHS, but they also took 2 months to fix my washing machine”.

The company self-reported average repair times as 13 hours but clearly that is not the case for these customers.  Additionally they list that they have 40,000+ pre-screened professionals in their service network on their website but many complaints list that they have nobody available. Many customers noted difficulty finding local repair people willing to work with Total Protect and wait for reimbursement. If these customers choose a repair person who completes work without approval from Total Protect out of necessity, then Total Protect denies their claim. 

Total Protect Home Warranty Vs. AFC Home Club

We compared Total Protect Home Warranty with AFC Home Club. They both have three plans available, allow customers to choose their own contractors, and are highly rated based on our data points. 

While they look very similar at first glance with AFC Home Club having a much higher average annual plan cost, AFC Home Club has significantly higher customer satisfaction with a 3.7 star average out of 1,080 Google reviews compared with Total Protect’s 1 star average out of 425 Yelp reviews.

  Total Protect Home Warranty AFC Home Club
Investopedia’s overall rating 4.6 4.7
Annual average plan cost $423.40 $674.40
# of Plans Available Three Three
Can choose contractors Yes Yes
Annual Payout Cap $1,500-3,000 per item $2,000 per item
Trade-call fee $75-125 $75-125
Verdict

At first glance Total Protect seems like the perfect home warranty.  They offer the lowest average annual plan of any company we reviewed.  They have reasonably high payouts, standard fees, reasonable exclusions, allow customers to choose their own contractors, and have a variety of plan add-on options. They also have an impressive self-reported average claim response time of 13 hours. 

Unfortunately the overwhelming number of bad customer service reviews calls the quality of their services into question. Saving the most money on a home warranty doesn’t mean much if it’s impossible to get the repairs advertised. We’d suggest going with a home warranty company that has a better track record of delivering on their promises than Total Protect.

FAQs

How much does the plan cost?

Total Protect has a number of promotional offers that can bring the cost of their base plan down to $19.99 monthly. The most commonly advertised price for their plans is $32.99-54.99 monthly. 

What does the plan cover?

The plan has standard coverage options on systems and appliances comparable with most home warranty plans on offer from other companies detailed in their sample contracts.

What does the plan not cover?

The plan does not cover auxiliary damage, hazardous materials, or commercial grade systems.  Specific details of what the plans do not cover can be found in their sample contracts.

How much is the service fee?

The service fee is $75-125 per call depending on the promotional offer you sign up through.

Can you cancel the plan for free?

Total Protect Home Warranty has free cancellation within 30 days if no claims were filed under the warranty.  Cancellations made within 30 days where a claim was filed are subject to being billed for services provided or the remainder due on the annual contract. The sample contracts available on their website do not detail what fees they charge for cancellations after 30 days.

How do you file a claim?

You file a claim by calling (800)-474-4047 or requesting service online through the Cinch Home Services website.

 Are there customer service complaints?

Yes, their parent company Cinch Home Services has 3,381 complaints on BBB. They also have 1000+ one-star reviews across sites like Yelp, homewarrantyreviews.com, and Best Company.

Methodology

There are several aspects to consider when evaluating a home warranty company and its coverages. To assist in your decision process, our methodology for reviewing home warranties includes a quantified scoring system that evaluates four major categories - total plan cost, coverage and support, customizability and transparency. Within those four major evaluation categories we look at 18 core features that include annual plan fees and service fees, claim response times, payout caps, states available, contract length range, customizable coverages, ability to use own repair person, free cancelation, plan pricing, plan exclusions and other plan provisions available online. We assign fractional score values ranging from 0.00 to 1.00 points for each feature and then weight those feature values according to subject matter expert advice and consumer survey importance ranking.  We also compare features for each company to industry average values determined from our data collection for the top 25 home warranty providers. Third-party ratings and customer satisfaction scores are factored in to help assess a home warranty company’s overall quality, suitability and value.

Article Sources

Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.
  1. Homewarrantyreviews.com. “Total Protect Home Warranty Review,” Accessed Feb. 17, 2022

  2. Yelp.com “Total Protect Home Warranty,” Accessed Feb. 17, 2022

  3. Yelp.com “Total Protect Home Warranty,” Page 2. Accessed Feb. 17, 2022.

  4. Cinch Home Services. “Request Service,” Accessed Feb. 17, 2022. 

  5. Better Business Bureau. “Complaints Cinch Home Services, Inc.” Accessed Feb. 17, 2022. 

  6. Homewarrantyreviews.com. “Total Protect Home Warranty Review,” Accessed Feb. 17, 2022.

  7. Yelp.com “Total Protect Home Warranty,” Accessed Feb. 17, 2022