Total Home Protection Review

Data and ratings accurate as of June 2019

By: House Method | Affiliate Disclosure

In this review, we’ll explain to you what you need to know about Total Home Protection, including how it scored against House Method’s home warranty scoring system. We’ll also give you an overview of the advantages of choosing Total Home Protection—like its additional coverage. Read on to learn why Total Home Protection is the best home warranty for septic systems or call now to get a free, personalized quote.

Best for septic systems

Total Home Protection is the best home warranty for septic systems. It’s offers additional coverage for septic systems and tank pumping as well as additional systems and appliances, like a second refrigerator or two air conditioners.

Add-ons available
After hours service
90-day parts guarantee

House Method reviewed Total Home Protection to better understand the top players in the home warranty industry. This guide includes an overview of the company, its plans, and its pricing as well as a comparison of other popular home warranty companies and why customers recommend Total Home Protection.

Total Home Protection cost

Total Home Protection plans are approximately $43 to $52 per month. These prices are based on quotes our team of secret shoppers at House Method received.

To get an accurate quote, you’ll have to provide your zip code to an agent at Total Home Protection. Home warranty costs are always location-based.

Service fee

Total Home Protection charges a $75 service fee, which is average for most home warranty companies. This means you’ll pay $75 out of pocket each time your claim is approved and a technician is sent to your home.

Because your home warranty plan should cover some of the cost—if not the full cost—to repair or replace a covered item, this $75 is still relatively affordable compared to a $1,500 repair bill.

Always read your contract or ask a sales representative whether you’ll be charged for repeat visits if a problem persists. Total Home Protection guarantees parts for 90 days and labor for 30 days.

Total Home Protection coverage

Gold  Platinum Optional Coverage
Plumbing system and stoppage Plumbing system and stoppage Pool/spa
Water heater Water heater Central vacuum
Whirlpool bathtub Whirlpool bathtub Septic system
Electrical system Electrical system Stand alone freezer
Oven/range/stove/cooktop Oven/range/stove/cooktop Free standing ice maker

Built-in sump pump

Built-in sump pump Additional water heater
Built-in microwave Built-in microwave Additional spa
Dishwasher Dishwasher Sump pump
Garbage disposal Garbage disposal Septic pumping
Trash compactor Trash compactor Water softener
Ductwork Ductwork Additional A/C system
Garage door opener Garage door opener Additional garage door opener
Ceiling/exhaust fans Ceiling/exhaust fans Limited roof leak
Clothes washer and dryer Well pump
Refrigerator Second refrigerator
Heating system (2 units) Refrigerator ice maker
Air conditioning system (2 units) Additional heating system
Additional oven/range/stove

Total Home Protection has a comprehensive list of add-ons that lets customers protect additional appliances and systems. For example, if you have a refrigerator in your kitchen and one in your garage, you can cover both with Total Home Protection’s optional add-on. This additional coverage option also applies to air conditioners, heating systems, water heaters, garage door openers, ovens, ranges, and stoves.

Total Home Protection offers coverage for septic systems and septic tank pumping, which is why we consider it the best home warranty for septic systems.

Coverage length

Total Home Protection plans are one-year home warranties. Customers can pay the annual fee upfront and get one month of free coverage (13 months of coverage for the price of 12) or they can pay in monthly installments.

Like most home warranties, Total Home Protection plans are renewable year after year. However, pricing has been increasing every year since home warranties are in high demand.

For this reason, House Method recommends enrolling in a three- or five-year home warranty and paying the cost up front if you can afford it since this will lock in your price for the next three to five years.

The best part is that you can cancel at any time and receive a prorated refund less a small cancellation fee of $50. Total Home Protection’s cancellation fee is actually $25 less than most companies, which charge $75.

Coverage exclusions

The following must be true in order to receive home repair service by Total Home Protection’s pre-approved technicians:

  • The item and its failed parts are covered by your plan and explicitly written in your contract
  • The covered item has failed due to normal wear and tear
  • The covered item was in working condition on the effective date of your service agreement
  • The covered item was installed properly
  • You have conducted routine maintenance on the covered item
  • The covered item has not been modified from the original manufacturer’s design or application

You can access a sample contract on Total Home Protection’s website under Terms and Conditions.

Total Home Protection claims

Total Home Protection accepts claims 24 hours a day, seven days a week. You can call to submit a home warranty claim or you can file a claim online.

Total Home Protection’s customer service strives to address claims within two business days or four days on weekends and holidays. It is up to the company’s discretion whether your repair request is an emergency or not.

After approving your claim, Total Home Protection will schedule a mutually convenient appointment during normal business hours with an available service contractor.

Like the majority of home warranty providers, Total Home Protection will not reimburse customers who hire a professional outside of the company’s network of pre-approved technicians.

Summary of benefits

Average Cost Per Month $43–$52
State Availability 45 states
Service Fee $75
Contract Term 12 months
Time in Business 3 years
Better Business Bureau Rating C-
Review last updated: June 7, 2019

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More about Total Home Protection

Years in business

Total Home Protection has been in business for three years. It’s the newest home warranty company that we’ve reviewed.

Note: The home warranty industry began only 48 years ago with the establishment of American Home Shield.

Total Home Protection ratings

Although a young company, Total Home Protection has built rapport with many homeowners. There are 110 customer reviews on the Better Business Bureau’s website, which equal a three-star aggregate rating.

The BBB itself has given Total Home Protection a C- rating. One factor that could boost this rating is to become BBB-accredited, which Total Home Protection is not.

To balance average ratings, customers might find assurance in the home warranty company’s TrustScore. Trustpilot gave Total Home Protection an 8.9 out of 10, which is great.

Total Home Protection has an average of 4 out of 5 stars across other review sites. Its ratings are attributed to competitive prices and 24/7 customer service. However, many reviews call out the company’s limited availability. Consumers Advocate cites Total Home Protection as only covering 33 of 50 states, but we heard straight from the company that it covers 45 states.

Our conclusion

House Method gives Total Home Protection 3 out of 5 stars. We love the comprehensive coverage that the company offers. Especially with its large list of optional add-ons, customers can really customize their home warranty plan to fit their needs and home’s specific assets.

We had a hard time overlooking Total Home Protection’s very average ratings across the board. Perhaps this is due to being such a young company.

Pricing is on the higher end of the spectrum compared to all of the home warranty plans we’ve evaluated. Unfortunately, coverage is also capped at a low dollar amount between $200 and $500 per claim. That means Total Home Protection will only cover $200-$500 for a repair or replacement that could cost $1,000. The homeowner would be responsible for the rest of the bill. For reference, House Method considers coverage caps above $500 per item to be generous.

Total Home Protection reviews

Here are some positive Total Home Protection reviews from the BBB’s website:

Brandy on May 17, 2018

Two thumbs way up! My stove broke on Monday and by Tuesday, I was back to cooking dinner for my family. Deciding to invest in a home warranty was one of the smartest things [I’ve] ever [done].

Also, I want to personally thank Tom in customer service. He was amazing. He listened and assured me I had nothing to worry about. He assited me in selecting and scheduling a contractor. Tom did a great job because the contractor was so knowledgable and experienced. He fixed my stove in a jiffy. Money well spent. Thank you.

Jonah G. on September 22, 2017

I had a great experience with Total Home Protection. After the hurricane, my home in Miami had issues and even though they don’t cover storm damage, they assisted me and covered my claim.

George D. on September 13, 2017

I had a great experience with this company. [I] just had my A/C fixed. The technician was prompt and professional. [I’m] overall very satisfied. Total Home Protection also gave me a great rate on my premium—much better than my previous company.

Compare home warranties

Total Home Protection is a good choice for you if …

  • you’re looking for a new home warranty
  • you have additional items you want to protect, like a second refrigerator

Compare Total Home Protection to the competition.

Home Warranty Company Plan Options Monthly Cost Number of Items Covered Under Basic Plan Unique Add-On
Total Home Protection 2 + add-ons $43–$52 15 Septic systems and pumping
Select Home Warranty 2 + add-ons $36–$42 13 Lawn sprinkler system
The Home Service Club 2 + add-ons $33+ 17 Utility lines

Compare Total Home Protection

Want to know how Total Home Protection stacks up to other home warranties? Use our Best Home Warranty guide to find the right plan for your home.

Learn More

Frequently asked questions

What is Total Home Protection?

Total Home Protection is one of the newest home warranty companies. It offers two home warranty plans that homeowners can customize by adding optional coverage for items they care about most. Each home warranty plan covers a combination of both appliances, like dishwashers and ovens, as well as systems, such as electrical and plumbing.

Total Home Protection company information

Company name: Total Home Protection
Company type: Private
Founding date: 1/1/2016
Telephone: 800-545-0402
Address: 300 McGaw Drive
State/province: Edison, NJ
Postal code: 08837
Country: USA

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