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Sears Home Warranty vs 24-7 Home Warranty

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SEARS HOME WARRANTY

Sears is a well-established brand across a variety of products and services. At the time of our review, however, there was a lot of talk about whether they may be facing bankruptcy. So, if you're looking at purchasing a home warranty plan through Sears, you should keep that in the back of your mind; there's no way to know how they would honor contracts if they go out of business.

For the time being, though, here's what you need to know about the home warranty plans offered by Sears. First, they offer three main plans: Systems, Appliance, and Whole House. Each plan covers what you would expect from the name, with Whole House representing the total combination of the first two plans. We like that all plans have a 180-day service guarantee on any repairs performed, and that there's no product age limit for covered items. You may have to provide evidence of routine maintenance on older appliances and systems, but this is standard for most home warranty plans.

Sears has generous coverage limits: $10,000 per claim and $50.000 per year across all 3 plans. Deductibles range from $75 to $100 per service.

On the other hand, we don't love that Sears doesn't give customers a price without entering their information for a free quote, and that you can only see a sample contract once you've done so. The most reputable home warranty companies make that information available without any requirements. When we entered our information, the pricing for our state was $49.99/month for the Appliance plan, $59.99 for the Systems package, and $69.99/month for the Whole House warranty. All three plans came with a "first month free' offer. Your pricing may be different, depending on your state and whether you need service now.

The biggest downside is that we found numerous complaints about Sears' service of warranty issues. Although many of them related to warranty coverage of individual products - such as a washer or lawn mower purchased at Sears - there were several that specifically discussed problems with the home warranty plan. You'll want to make sure you understand all of the fine print in your contract, because some of the complaints referred to a hefty buy-out fee for trying to cancel before the plan expires. There were also customers whose contracts renewed automatically without their permission, and the only way out was to pay the fee (or just wait another year until it expired and then cancel it directly).

Because of these complaints and the fact that Sears is experiencing financial troubles, we can only give their home warranty plans a middle-of-the-pack ranking.

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24-7 HOME WARRANTY

At first glance, 24-7 Home Warranty looks like a reasonably good choice for a home warranty plan. Who wouldn't want "your own personal service technician always on call", as they promise at the top of their site?

Their available plans consist of the following:

  • Home Appliances: dishwasher, stove/oven, refrigerator, built-in microwave, washer dryer, for $10.99/month or $129/year
  • Major System: internal electrical/plumbing, central AC, heating system/pump, water heater, ductwork, garage door opener, for $24.99/month or $299/year
  • Comprehensive System: covers all of the items listed under Home Appliances and Major System, for $34.99/month or $399/year

The reimbursement cap is $1500 per appliance and most covered systems, $500 for the water heater, and no limit for the garage door opener.

Since our last evaluation of 24-7 Home Warranty, the company has received a listing on the Better Business Bureau site. This home warranty provider does not currently have a rating; that can be a plus or a minus, but at least there have been no registered complaints with the BBB. In poking around on the 24-7 site, we found their "In The News" section, with only two articles dated 10 years earlier.

We also weren't thrilled with the fact that the 24-7 Home Warranty site itself is not secure (it's http and not https). We had to click past the browser security warnings just to access the website.

Our impression of 24-7 Home Warranty is that they are essentially a reseller: their About Us clearly states that their plans are offered by The Warranty Group, headquartered in Chicago (while 24-7 is based in Utah). And, if you look at the tiny print at the bottom of the site, you'll see that coverage of home appliances, comprehensive systems, and major systems is provided and administered by yet another group of companies, depending on your state of residence. They also do not offer plans for residents of CA, NV, or VA.

So, does 24-7 Home Warranty actually deliver? Given that they seem to outsource everything about their business, the best answer we can give is "it's anyone's guess". With so many inconsistencies on the site, outdated information, and evidence that they don't actually service any plans that they sell, 24-7 Home Warranty ranks very low among companies offering protection for your appliances and home systems.

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Best Home Warranty

To help you find the Best Home Warranty Companies, TopConsumerReviews.com provides you with an in-depth comparison of Sears Home Warranty and 24-7 Home Warranty.

Who has the best Home Warranty? Whether you're a homeowner, landlord, or home seller hoping to sweeten the deal for prospective buyers, a home warranty can make a significant difference. From appliances like washers and dryers to home systems such as HVAC and electrical, home warranty policies protect you in the event of a malfunction or needed repair.

Given that the average costs of even a minor fix can easily run into the hundreds or thousands of dollars, it's easy to understand why many people purchase home warranties every month. The coverage purchased typically explains what is and is not covered, so you know exactly what you're getting. Also, most plans have some kind of deductible or service fee once a technician has been dispatched for your repair or claim.

You should be aware that home warranties are one of the most complained-about services available today. Why? The main reason is that customers don't pay attention to the fine print. When considering a home warranty policy, be sure to take a look at a sample contract. Like all warranty and insurance companies, they're hoping that you don't need to make a claim - and so many of the cosmetic, non-essential inner workings and components may be excluded from coverage.

However, if you take the time to educate yourself on the home warranty you're purchasing, there should be no unpleasant surprises, and your covered systems will be repaired in a timely fashion by a licensed, reputable technician.

As you decide which company earns your business for a home warranty plan, here are several criteria to consider:

  • Coverage. What is included, and what is specifically excluded? Do the plans offered cover the systems and appliances you most want to protect?
  • Premiums and Fees. What will you pay for your coverage? Will you pay monthly, quarterly, or yearly? What are the fees you pay for service calls? Do you have a deductible?
  • Reputation. What is the company's rating with the Better Business Bureau, if they have one? What do current and previous clients have to say about the home warranty, both during the purchasing process and especially during the claims/repairs experience?

TopConsumerReviews.com has reviewed and ranked the best home warranty companies available today. We hope this research helps you find the best home warranty policy for your home or rental property!



Home Warranties In The News

Angie's List parent company buys Dallas home repair and warranty startup Fixd

When a homeowner has a broken air conditioner or a foundation problem, a warranty company can be hard to track down and often points to the fine print. Fixd co-founders Evan Myers and Brandon Bohannan ...

Published:  Wed, 13 Feb 2019 14:17:00 GMT



HomeAdvisor wants to sell you a home warranty after latest acquisition

HomeAdvisor is getting into the home warranty business after acquiring a Texas startup that makes that experience easier and more on-demand. Angi Homeservices (Nasdaq: ANGI), the combined company made ...

Published:  Fri, 08 Feb 2019 05:17:00 GMT



All there is to know about Home Warranty

Are you a homeowner We all desire to own our dream home. A peaceful haven away from our hectic lives. A home is the ultimate financial investment and source of accomplishment. After scrimping and sav...

Published:  Thu, 07 Feb 2019 15:25:00 GMT



Warranty confusion: Homeowners turn to Contact 6 after troubles with Choice Home Warranty

MILWAUKEE - A pair of homeowners purchased home warranties for protection, but said they ended up fighting for coverage. The company in question has thousands of complaints. Dorothy Hopkins ...

Published:  Sun, 10 Feb 2019 20:23:00 GMT



American Home Shield Shares Fast Facts on Choosing the Right Home Services Plan and Provider

National Home Warranty Day is this Sunday, and American Home Shield, which founded the industry more than 45 years ago, is sharing fast facts to help you make the right choice when it comes to choosin...

Published:  Fri, 08 Feb 2019 10:49:00 GMT



Step into home automation with four Zoozee Mini Smart Plugs at just $8 apiece

Using the app, you can even track your energy usage and see what's consuming the most power in your home. Zoozee includes a 1-year warranty with your purchase. Customers have left reviews at Amazon fo...

Published:  Thu, 14 Feb 2019 08:01:00 GMT



An Oceanside family's new-home nightmare

News8 was there when plumbers came by to fix a toilet. "Beazer Homes acknowledges that the Merzs have encountered more warranty issues with their home than Beazer Homes expects. Beazer Homes, however, ...

Published:  Tue, 12 Feb 2019 17:47:00 GMT



New Home Co. Posts Loss for Q4, Full Year

Additionally, the 2017 fourth quarter also benefited from an $0.8 million warranty reserve adjustment. SG&A expense ratio as a percentage of home sales revenue for the 2018 fourth quarter was 9.9% ver...

Published:  Fri, 15 Feb 2019 05:52:00 GMT




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