BFS Home Warranty Reviews

Home warranties from BFS are valid for 12 months from the purchase date or receipt of the contract, as applicable. BFS has three plans: Basic, Deluxe and Premium. It also offers a number of add-on services you can add to any plan. Plans start at $300 and top out at $750 if no extras are added to the package.

The Basic and Deluxe plans charge a $75 fee per service call. The Premium plan includes “no-deductible” coverage, which means there’s no added service call fee. The no-deductible option can be added to the Basic and Deluxe plans for $200, so you can save money if you expect to have multiple service calls.

BFS employs its own service technicians, so you can’t use your own contractors. BFS initiates service calls within 48 hours after you file a claim, unless you’ve added on emergency coverage. If you do have emergency coverage added to your BFS Home Warranty plan, service calls are initiated within 24 hours of the claim.

Plan details

Here are the plan details for BFS Home Warranty's Basic, Deluxe and Premium plans.

BFS offers an array of optional coverage items that can be added to any plan. Pricing for add-on coverage is charged annually.

There are several important things that BFS doesn’t cover. First, BFS Home Warranty doesn’t cover roof leaks and repairs. Unknown preexisting conditions are covered, but not for the first 30 days of every warranty contract.

However, coverage may be available for preexisting conditions if a home inspection was completed within 60 days prior to the start of the warranty contract. You also only get plumbing coverage in three bathrooms. Plus, only functional components and parts are covered for most systems and appliances.

BFS Home Warranty doesn’t provide any information about aggregate coverage caps.

The following, however, are coverage limits for various items:

BFS home warranties are priced annually, and payment is typically due at the time of purchase. Monthly payment plans are available for existing homeowners, and financing is offered in collaboration with Wells Fargo Bank.

Plans start at $300 annually. The Basic and Deluxe plans require a $75 service call fee, but the Premium plan has no service call fee.

BFS Home Warranty pricing is as follows:

BFS Home Warranty doesn’t have any advertised discounts. But if you purchase either the Premium plan or add on the no-deductible option, you won’t have to pay for service calls — no matter how many calls you make during the term of your contract.

Overall, BFS offers competitive pricing on its plans and add-on coverage, especially if you’re looking for a home warranty for a single-family home. BFS beats out many competitors with lower service call fees ($75) and the option to forgo service fees altogether. Coverage for unknown preexisting conditions is another perk not all home warranty companies offer.

The biggest downside to BFS Home Warranty is that it’s only available in Arizona, Florida, Nevada and Texas (and Arizona and Nevada each have only one brick-and-mortar location). However, that limited coverage area allows the company to operate its own service call centers, trucks and equipment. It also exclusively uses and trains in-house technicians, which isn’t common among home warranty companies.

Customers can cancel their warranty agreement with BFS Home Warranty within 10 days after purchase for a full refund of the premium paid, unless any claims have been made. There may be an administrative fee not exceeding 5% of the gross premium paid by the customer. If you want to cancel after the first 10 days, a prorated refund will be made based on 90% of the unearned premium.

Because BFS operates in specific states, there may be additional cancellation parameters:

• Arizona: Refunds for cancellations in Arizona will be based on 100% of the unearned pro rata premium paid, with a $50 administrative fee maximum.
• Nevada: If you cancel within 20 days after the contract is mailed to you or within 10 days of receiving the contract, you’ll receive a full refund of the purchase price. If you cancel after 10 or 20 days (as applicable), you’ll receive a prorated refund for the remaining term of the contract, minus a $50 cancellation fee.