24-7 Home Warranty Review for April 2019

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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.

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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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!



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