Complete Protection Home Warranty Review 2020

By Deanna Kane | Advertiser Disclosure

Complete Protection Home Warranty is a leading home warranty company that offers customers several different plan options. Complete Protection has been in the home warranty business for more than 20 years, allows customers to select their own service provider, has no exclusions for unknown pre-existing conditions, and offers 24/7 access to their customer service team.

In this review, we’ll outline Complete Protection’s plans, pricing, and competitors and help you determine if this company is right for you and your home.

  • Allows customers to use their own service provider
  • Doesn’t charge a service call fee
  • Customer service is available 24 hours a day, seven days a week

Pros and cons of Complete Protection

Compare the advantages and disadvantages of Complete Protection below:

Pros Cons
Unlike most home warranty companies, Complete Protection Home Warranty doesn’t charge a service fee

Doesn’t have a mobile app

Customers can select their preferred repair company as long as it’s a licensed contractor

Customers can’t file a claim until 30 days after enrolling with Complete Protection

Complete Protection Home Warranty provides coverage for unknown pre-existing conditions and lack of maintenance

Complete Protection plans and coverage

While Complete Protection Home Warranty’s plans may vary by contract, there are four plans available to contract holders: Essential, Advanced, Comprehensive, and Ultimate.

Essential Advanced Comprehensive Ultimate
Air conditioner X X X X
Furnace X X X X
Water heater X X X X
Dishwasher X X X X
Oven X X X X
Cooktop X X X X
Microwave X X X X
Range X X X
Clothes washer X X X
Clothes dryer X X X
Refrigerator X X
Pipe leaks X X
Electrical wiring X X
Outlets/switches X X
Main panel X X
Garage door opener X
Garbage disposal X
Drain line stoppages X
Faucets/Shower heads X
Toilets X
Light fixtures X
Ceiling/Exhaust fans X

Here are some optional add-on items offered by Complete Protection:

  • Air conditioning system: $28 per month for each additional air conditioner
  • Air handler and evaporator coil: $18 per month each for each additional coil
  • AC mini split evaporator coil: $18 per month for each additional coil
  • Boiler: $26 per month
  • Cooktop: $4 per month
  • Dishwasher: $8 per month
  • Dryer: $4 per month
  • Furnace: $18 per month
  • Garage door opener: $4 per month
  • Garbage disposal: $4 per month
  • High-end appliance: $28 per month for five kitchen/laundry appliances
  • Ice machine: $6 per month
  • Microwave: $4 per month
  • Oven: $4 per month
  • Pool heater: $12 per month
  • Pool pump: $12 per month
  • Range: $8 per month
  • Refrigerator: $8 per month
  • Septic pump: $8 per month
  • Septic tank and lateral lines: $20 per month
  • Trash compactor: $4 per month
  • Washer: $8 per month
  • Water heater: $6 per month
  • Well pump and tank: $8 per month for both
  • Wine cooler: $6 per month

Coverage length

A home warranty contract with Complete Protection Home Warranty runs month-to-month so there’s no long-term commitment or annual obligation.

Coverage limits and restrictions

Complete Protection Home Warranty doesn’t cover some of the appliances and systems that are regularly covered by other home warranty companies, such as anything structural (including roofs), ductwork, humidifiers, sprinkler systems, spa tubs, or sump pumps. It’s important to check the terms and conditions to understand exactly what is and is not covered. Coverage doesn’t begin until 30 days after the contract is signed.

Complete Protection pricing

Complete Protection offers four different plans at various price points. Here’s a pricing breakdown of the four plans:

  • Essential: $45 per month
  • Advanced: $55 per month
  • Comprehensive: $65 per month
  • Ultimate: $75 per month

Complete Protection does not charge a service fee, which is rare for a home warranty company.

What to expect with Complete Protection

When a covered home appliance or system breaks down due to normal wear and tear, customers can request repair service by submitting a claim online or by calling Complete Protection Home Warranty via the toll-free phone number.

Complete Protection has a customer support team that’s available 24 hours a day, seven days a week, 365 days a year. A team of vetted contractors and technicians promptly service repairs and replacements. Customers can also use a service provider of their own choice, which is a feature most home warranty companies don’t allow.

Here’s how a Complete Protection customers can hire their own licensed repair company:

  1. File a claim and obtain the authorization number. Tell the representative you have your own preferred company.
  2. Schedule a repair appointment with your preferred repair service technician.
  3. Call Complete Protection for approval after the technician has diagnosed the issue.
  4. Have the repair company bill Complete Protection directly or the company can bill you, which you can then apply for a reimbursement from Complete Protection.

How to make a service request

Existing customers can make a claim on covered items through two ways:

Complete Protection home warranty reviews

The Better Business Bureau (BBB) gives Complete Protection an A+ rating, which is higher than competitors such as Home Warranty Inc. Accredited since 2002, Complete Protection has only received two Better Business Bureau complaints, both resolved. Here are some reviews given by Complete Protection Home Warranty customers:

Excellent all the way around! Great company to work with on Home Warranty. No service call fees which is the very best thing I love about them.” — Linda from San Antonio, TX

Have had Complete Protection for several years and just used it last month. It was seamless and easy to get my appliance fixed.” — John from Coldwater, MI

I’ve been with CAP for more than 5 years. The company has been responsive and reliable.” — Jack from Cypress, TX

Every person and every home needs the plan that’s right for them. Check out some of our other expert reviews to get all the information you need to find the right home warranty for you. Remember, each of these companies gives a free quote.

Our top-rated alternatives to Complete Protection

If you’re not sure whether Complete Protection is right for you, compare other top-rated home warranty companies below:

Frequently asked questions about home warranties

Is Complete Protection Home Warranty worth it?

A home warranty from Complete Protection Home Warranty can protect you from paying for unexpected and expensive repairs and replacements on home systems and appliances. Not to mention, it can save you time from finding a trusted contractor in your area to complete repairs.

What is covered by Complete Protection Home Warranty?

Complete Protection offers four coverage plans that protect major home systems and appliances, such as your air conditioning, electrical system, water heater, refrigerator, dishwasher, and oven. Complete Protection also offers optional coverage for items like your pool or septic tank.

How much does Complete Protection Home Warranty cost?

The four different plans are priced as follows:

  • Essential: $45 per month
  • Advanced: $55 per month
  • Comprehensive: $65 per month
  • Ultimate: $75 per month

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