Total Protect vs American Home Shield

By Kathleen McCoy | Advertiser Disclosure

If you’re looking for comprehensive home warranty coverage, consider two of the largest and most reputable home warranty companies in the industry—TotalProtect and American Home Shield. Before choosing one of these companies to protect your home, keep reading to compare plans, pricing, benefits, drawbacks, and customer reviews.

Systems plan
Appliances plan
Combo plan
Customizable plan
Optional coverage
Availability
Service fees
Contractor selection
Support
Service recall period
Years in business
BBB rating
Waiting period

Systems plan

Yes

Appliances plan

Yes

Combo plan

Yes

Customizable plan

No

Optional coverage

Pools and spas

Availability

Nationwide

Service fees

$75 or $125

Contractor selection

In-network only

Support

24/7 claims department

Service recall period

180 days

Years in business

48 years

BBB rating

B+ (not accredited)

Waiting period

30 days after enrollment

Systems plan

Yes

Appliances plan

Yes

Combo plan

Yes

Customizable plan

Yes

Optional coverage

Pools and spas, well pump, septic pump, guest unit under 750 square feet, and electronic extended warranty

Availability

49 states and Washington D.C.

Service fees

$75, $100, or $125 depending

Contractor selection

In-network only

Support

24/7 claims department

Service recall period

60 days

Years in business

40 years

BBB rating

B (accredited)

Waiting period

30 days after enrollment

*The Total Protect corporate entity is now known as Homesure of America.

Total Protect vs. American Home Shield coverage comparison

Before deciding between Total Protect and American Home Shield, take inventory of your home systems and appliances to determine what items need coverage. Include auxiliary items like pools and spas, wells, septic systems, and other custom features for the most comprehensive coverage.

Take a look at what’s covered under a Total Protect and American Home Shield plan:

Total Protect coverage

TotalProtect offers coverage for the following major systems and appliances:

Systems Appliances Optional coverage
Air conditioning (two units) Refrigerator Pool
Heating (two units) Dishwasher Spa
Electrical Clothes washer
Plumbing Clothes dryer
Plumbing lines Range/Oven/Cooktop
Plumbing stoppages Built-in microwave oven
Whirlpool bathtub Trash compactor
Water heaters Garage door opener
Central vacuums
Smoke detectors
Doorbells
Garbage disposal
Sump pump
Attic/whole-house fan
Main breaker/fuse panel
Interior electrical lines
Interior gas line

American Home Shield coverage

American Home Shield provides comprehensive protection for the following home items:

Systems Appliances Optional coverage
Air conditioning Refrigerator Electronic extended warranty
Heating Range/Oven/Cooktop Pool and spa
Ductwork Clothes washer Well pump
Electrical Clothes dryer Septic pump
Plumbing + stoppages Dishwasher Guest unit under 750 square feet
Doorbells Built-in microwave oven
Water heater Trash compactor
Smoke detectors Freestanding ice maker
Ceiling fans Garage door opener
Instant hot/cold water dispenser Built-in food center
Central vacuum
Re-key
Garbage disposal

Total Protect vs. American Home Shield cost

Comprehensive home warranty plans are priced based on the following factors:

  • Where you live
  • Square footage of the home
  • Type of coverage chosen
  • Service fee selected (note: the higher the service fee, the lower the annual cost)

Both American Home Shield and Total Protect offer comprehensive home warranty plans to ensure that your chosen home appliances and systems are covered—and they both offer free quotes, so you know exactly what you’ll be paying annually for coverage.

Here’s a rough breakdown of Total Protect vs. American Home Shield costs: 

Total Protect American Home Shield
Annual plan cost $528–$708 $600–$720
Monthly premiums $44–$59 $50–$60
Service fees $100 $75, $100, or $125

How does each home warranty work?

Once you’ve chosen the home warranty plan that’s best for your budget and needs, the process for submitting claims is very similar. Both American Home Shield and Total Protect offer 24/7/365 claims service either by phone or online.

Once your claim is filed, customer service will provide you with the service company’s name, phone number, your service fee or deductible needed, and when you can expect service for your appliance or home system. 

After your service is scheduled, your technician will evaluate the problem and determine if a repair or replacement for the covered item is the best option for the appliance or system. The service fee is typically paid at the time of service, directly to the technician. Both Total Protect and American Home Shield offer replacement of appliances that are beyond repair. Be sure to read the policy carefully to understand the limitations and exclusions.

Policy differences

If you’re still debating between Total Protect and American Home Shield, let’s take a look at the differences in coverage policies. This chart does not replace an independent evaluation of contracts and plans, so carefully review any contract before you sign.

  Total Protect American Home Shield
Annual aggregate caps None Per policy
Appliance annual cap $3,000 $3,000
Systems annual cap $1,000 $1,500
Waiting period 30 days 30 days

Our conclusion

Both Total Protect and American Home Shield have their benefits and drawbacks. Total Protect is slightly more affordable, but American Home Shield provides more comprehensive coverage for your home systems and appliances.

American Home Shield may be a good option for:

  • Homes with guest houses, as extended coverage is available for these units.
  • People who want to pick and choose which items they want to be covered.
  • Those who want to select their own service fee.

Total Protect may be a good option for:

  • Older homes that have pre-existing conditions. 
  • Homes with multiple heating or air conditioning systems, as up to two units are covered under the standard plan.
  • Homes with whirlpool bathtubs.

  • Provides four plans, including a Build-Your-Own plan that allows you to customize coverage
  • Has more than 45 years of industry experience
  • Offers 24/7 customer service

  • Coverage for unknown pre-existing conditions
  • Has a network of 40,000 pre-screened service technicians
  • Offers a 180-day workmanship guarantee on covered repairs

More Like This

Home Warranty

American Home Shield vs. Choice Home Warranty

American Home Shield and Choice Home Warranty are two of the most well-known and consumer friendly home warranty companies. Read our comparison to find out what differentiates them.

Home Warranty

7 Best Home Warranty Companies of 2020

Looking for the best home warranty? Our team at House Method reviewed the top home warranty companies in the industry so you can choose the right plan for your home.

TotalProtect Home Warranty Logo
Home Warranty

TotalProtect Home Warranty Review

Read TotalProtect Home Warranty reviews, compare it to other top home warranty companies, and learn about its cost, coverage, and claim process on House Method.

By continuing to browse or by clicking “OK” you agree to the storing of first- and third-party cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. Privacy Policy.

OK