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Total Protect Home Warranty Explained

Total Protect Home Warranty Explained

Experts say that owning your own home is one of the single best investments an individual or family can make in their lifetime. Of course, it’s not a cheap investment by any measure, and filling your home once you’ve finally purchased it only adds to the expense. In this troubled housing market and economy, the best thing a homeowner can do is to protect their total investment. Few things are harder on your budget than an unexpected repair or replacement bill. It’s hard to imagine a tough series of months, living paycheck to paycheck, only to have the refrigerator stop operating right before big dinner plans or the air conditioning system go kerplunk in the middle of July. That’s why it’s important to protect your investments with a Total Protect Home Warranty.

Your Total Protect Home Warranty is like an insurance plan for your vital home appliances. While Total Protect Home Warranty can’t prevent your plumbing system from backing up or your garbage disposal from getting jammed, it can help to ease the burden of surprise repair costs by helping to bear the expense. For as little as about $30.00- $50.00 a month, you can cover most of your primary home systems and appliances, paying only a meager $50 – $75 service fee deductible for each repair. Having your furnace replaced can cost you anywhere from $1,500 to $4,500, but with Total Protect Home Warranty, you can have a certified repairman come fix your system for as little as $50! That’s an incredible savings on your budget, and your stress level.

The great thing about Total Protect Home Warranty’s program is that there is no limit on the number of claims you can file. You can file as many claims as are necessary for emergency and routine repair costs incurred from any of the household items protected under your Total Protect Home Warranty. These items include heating, plumbing, electrical, ceiling fans, ovens, refrigerators, clothes washers and dryers, trash compactors, water heaters, range exhaust hood, and a number of others. Do you have a pool or hot tub? With the Home Protect Plus Plan, you can also have your pool or hot tub covered by your Total Protect warranty.

Total Protect Home Warranty will help you find a qualified service repair person, no matter what time or day you need help. Total Protect Home Warranty offers coverage assistance 24 hours a day, 7 days a week, including on Holidays. Further, subject to some restrictions, almost all home systems and household appliances are covered under the Total Protect Home Warranty, no matter the what the age, make, or model of the system or appliance happens to be. In addition to this coverage, Total Protect Home Warranty also provides it’s customers with access to their Discount Buying Service, which offers up to 30% off brand name housewares for those wishing to upgrade their current electrical appliances.

Total Protect Home Warranty Restrictions

Restrictions will vary by state, and there is generally an aggregate cap associated with coverage claims. That cap is about $10,000 dollars annually, which most homeowners are highly unlikely to reach in any given year of coverage unless a natural disaster strikes, in which case most Home Insurance plans would kick in to cover the majority of the costs. Monthly fees and deductibles also vary by state and individual plan, though this difference in cost doesn’t tend to be significant enough to deter those looking for this type of protection. When you factor in the amount of money you ultimately save with Total Protect Home Warranty, the difference between $50 and $75 a month is far less burdensome than the difference between a $75 deductible and a $4,500 repair cost.

Of course, as with any insurance company, it’s important to know exactly what the restrictions are, and even more important to know exactly what they won’t cover. This can vary greatly from plan to plan and state to state. Insurance companies, regardless of what they insure, are notorious for giving customers the run-around when they file claims, so make sure you know exactly what you do and don’t qualify for, what costs are covered, and who your qualified service providers are. And, of course, get it all in writing. While Total Protect Home Warranty receives an A+ with the BBB, it’s always better to be safe than sorry.

The bottom line is that if you know exactly what your Total Protect Home Warranty covers, and have read and discussed the terms of the contract with your provider, there shouldn’t be any surprises. In most cases, with proper preparation and planning, the Total Protect Home Warranty will provide years of effective cost savings that will help save you and your family money in some of the most stressful situations.

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