Our reviewers evaluate products and services based on unbiased research. Top Consumer Reviews may earn money when you click on a link. Learn more about our process.

Sears Home Warranty vs Home Warranty of America

Monday, December 2nd

2024 Home Warranty Company Reviews

Sears Home Warranty Review 3.5 Star Rating

Sears Home Warranty

3.5 Star Rating
  • Prices from $59.99 to $109.99 per month
  • Service fees are $100 per visit
  • Coverage for total home including appliances and HVAC
  • 180-day workmanship guarantee
  • 30-day grace period to cancel
  • "A+” rating from the BBB

Sears Home Warranty has been a trusted name in the industry for over a century, with a unique approach to providing high-quality service through its own team of expert technicians. With five customizable plans to choose from, Sears Home Warranty offers flexibility for your home warranty. While its mixed reviews and lack of customer reviews on third-party sites are worth noting, Sears Home Warranty's competitive pricing, 180-day workmanship guarantee, and 24/7 claims filing make it an option worth considering for those looking for total coverage.

Home Warranty of America Review 1.5 Star Rating

Home Warranty of America

1.5 Star Rating
  • Prices from $46.04 to $57.92 per month
  • Add-ons from $4.58 to $15.83 per month
  • Service fees are around $75 per visit
  • Coverage for appliances, heating system, water heater, plumbing system
  • Add-ons for pool, sump pump, and more
  • 30-day cancellation period with money back

Home Warranty of America offers flexible coverage options for homeowners, with two plans to choose from and the ability to add extra protection for specific items. With no home age restrictions or inspections required, it's easy to get started with their warranty program. However, despite some positive reviews, the company's reputation has taken a hit due to frequent complaints about delayed services and denied claims, making it a less-than-recommended choice for home warranty coverage.

Where Can You Find the Best Home Warranty?

Being prepared for unexpected expenses is part of homeownership. Whether you're a landlord looking to reduce operating costs, a homeowner trying to sell your property, or just a regular homeowner who wants to be protected against surprise repairs, having a good home warranty can be a lifesaver. A home warranty is a type of insurance, separate from your home insurance, that covers the cost of repairs or replacements for major systems and appliances in your home.

By choosing the right plan, you can avoid the financial burden of costly repairs so that your home remains safe and functional. Home warranty plans typically offer different levels for different home concerns and budgets. Basic coverage might include protection for appliances and systems like HVAC, plumbing, and electrical systems.

The Best Home Warranty Companies Compare Home Warranty Companies Compare Home Warranty Company Reviews What are the best Home Warranty Companies Best Home Warranty Company Reviews

Home Warranty Company FAQ

Home warranties protect your home's appliances and systems in the event of a malfunction. Normal wear and tear takes a toll on all systems in your house, so a home warranty saves you from having to spend the hundreds or thousands of dollars it takes for even the smallest of repairs. By purchasing a home warranty plan, you're able to call a technician to repair or replace your faulty appliances when needed.
Having a home warranty provides peace of mind. It usually comes as a surprise when your heating system stops working, your dryer breaks, or your air conditioner goes out. When your systems and appliances need a repair, it is an urgent matter and you want to make sure you're able to afford the cost of getting them fixed. If you have a plan that covers the item that malfunctions, you'll have it paid for minus the cost of any applicable deductible or service fee.
When purchasing a home warranty, you'll be able to select from different plans depending on what you want covered. They might include a kitchen plan (fridge, range, oven, dishwasher, garbage disposal, etc.), heating and cooling (air conditioning, interior electrical system, central heating, etc.), plumbing systems, pool pumps, garage door opener, TVs, laptops, and more. You can buy as many plans as you want or bundle and save!
Home warranties are usually billed monthly and range from about $30 - $100/month depending on what you want covered, how many plans you buy, if you bundle your plans, and so on. On top of this, the company you use might charge service fees or have a deductible set up that you'll need to meet before they cover the rest of what it takes for repairs. Either way, having a home warranty will likely save you thousands of dollars in the long run since appliance repairs can be so expensive.
Home warranties cover the effects of normal wear and tear on systems and appliances. After running your dishwasher a couple hundred times, it might need maintenance, which would be covered by your warranty (if you selected a plan that included it). Home insurance protects you financially from unexpected major events like a fire, flood, or weather damage. It allows you to get a lump sum of money to replace items in the home or the house itself when disaster strikes. However, if your air conditioning goes out in the middle of summer, you're out of luck if you have home insurance without a home warranty.
A home warranty lasts as long as you choose to pay for it! Many people just budget for it long-term and pay year after year just like they make their house payment. You can pay monthly or make a yearly payment on the type of coverage you select. As long as you are subscribed to a home warranty plan, you'll be able to have a repairman come to your home to take care of your appliances and systems when problems arise.
There is no limit to the number of repairs you can call in during your home warranty contract. If there is a service fee, you'll need to pay that each time a technician comes out. If you have a deductible to meet, you'll pay for each repair until you hit your deductible and can be fully covered by the company. It's reassuring to know that regardless of how many things go wrong in your home, as long as your contract includes the repairs, you'll be able to have them taken care of!
Every home warranty service might do things a little differently. Most of the time you'll be able to call in and let them know your issue and get a timeframe for a technician to come make repairs. Some companies have an online form you fill out and then they contact you back and dispatch their workers. It's easy to get the help when you need it within a reasonable timeframe when you're dealing with home warranty companies.
Compare the Best Reviews

Continued from above...

Premium plans, on the other hand, might cover more extensive components like electronics, septic systems, and pools and spas. Some providers offer add-on services for extra fees, such as coverage for sump pumps or water softeners.

When selecting a home warranty provider, you'll want to read the fine print and understand what's covered and what's not. Most policies have limits, exclusions, and caps on the amount they'll pay out over the contract's life. For example, some policies might only cover appliances up to a certain age or value. Others might exclude certain types of damage or wear and tear. Be sure to ask about these details before signing up. It's also important to note that most policies have a 30-day waiting period before coverage takes effect. So, if you need to make a claim soon after purchasing the policy, you'll have to wait a month before it kicks in.

During the waiting period, many providers offer a money-back guarantee. This allows you to cancel your policy if you're unsatisfied with the coverage or if you discover something you didn't expect. Another important consideration is the trade call service fee, which is similar to a copay on medical insurance or a deductible on car insurance. This fee can vary depending on the provider and may apply per service call or per repair. Be aware that you could be charged multiple fees for a single repair if different tradespeople are needed to fix the issue.

While it's great that there are a lot of companies to consider for your home warranty, sifting through them all can be stressful. To help you avoid getting overwhelmed by the numerous plans and companies, we've put together some helpful criteria to guide you through your vetting process:

  • Reputation. When considering a home warranty provider, it's essential to know what homeowners have to say about their experience with the company. You'll want to find out if claims are processed swiftly, with repair technicians arriving at your doorstep promptly. Does the company have a reputation for approving claims easily, or should you expect to navigate a lengthy and frustrating process?
  • Value. Cost is always a concern. How much does the warranty itself cost? How much will you pay for trade service call fees? Make sure you figure out what your premium totals and fees might be each year and make sure you'll be getting a good deal on the cost for repairs vs. doing the same thing out of pocket.
  • Coverage. What kind of coverage do you need? What kind of coverage is offered? Make sure that if you want extras or more extensive coverage, the company you choose offers plans that support your home the way you want.

To help keep your home safe from any eventuality, Top Consumer Reviews has reviewed and ranked the most popular home warranty providers out there today. We hope this information helps keep your home and appliances operating safely, and gives you a little extra financial peace of mind!

Compare Home Warranty Companies

Select any 2 Home Warranty Companies to compare them head to head

best-home-warranty-plans
  • American Residential Warranty
  • Elite Home Warranty
  • First American Home Warranty
  • Sears Home Warranty
  • Cinch Home Services
  • American Home Shield
  • Select Home Warranty
  • Home Warranty of America
  • Liberty Home Guard
  • Choice Home Warranty
American Residential Warranty vs Elite Home Warranty American Residential Warranty vs First American Home Warranty American Residential Warranty vs Sears Home Warranty American Residential Warranty vs Cinch Home Services American Residential Warranty vs American Home Shield American Residential Warranty vs Select Home Warranty American Residential Warranty vs Home Warranty of America American Residential Warranty vs Liberty Home Guard American Residential Warranty vs Choice Home Warranty Elite Home Warranty vs First American Home Warranty Elite Home Warranty vs Sears Home Warranty Elite Home Warranty vs Cinch Home Services Elite Home Warranty vs American Home Shield Elite Home Warranty vs Select Home Warranty Elite Home Warranty vs Home Warranty of America Elite Home Warranty vs Liberty Home Guard Elite Home Warranty vs Choice Home Warranty First American Home Warranty vs Sears Home Warranty First American Home Warranty vs Cinch Home Services First American Home Warranty vs American Home Shield First American Home Warranty vs Select Home Warranty First American Home Warranty vs Home Warranty of America First American Home Warranty vs Liberty Home Guard First American Home Warranty vs Choice Home Warranty Sears Home Warranty vs Cinch Home Services Sears Home Warranty vs American Home Shield Sears Home Warranty vs Select Home Warranty Sears Home Warranty vs Home Warranty of America Sears Home Warranty vs Liberty Home Guard Sears Home Warranty vs Choice Home Warranty Cinch Home Services vs American Home Shield Cinch Home Services vs Select Home Warranty Cinch Home Services vs Home Warranty of America Cinch Home Services vs Liberty Home Guard Cinch Home Services vs Choice Home Warranty American Home Shield vs Select Home Warranty American Home Shield vs Home Warranty of America American Home Shield vs Liberty Home Guard American Home Shield vs Choice Home Warranty Select Home Warranty vs Home Warranty of America Select Home Warranty vs Liberty Home Guard Select Home Warranty vs Choice Home Warranty Home Warranty of America vs Liberty Home Guard Home Warranty of America vs Choice Home Warranty Liberty Home Guard vs Choice Home Warranty
Compare the Best Home Warranty Companies
- VS -
Review the Best Home Warranty Companies
See the Best Home Warranty Company
The Best Reviews of Home Warranty Companies