ServicePlus Home Warranty and Home Warranty of America both offer home warranty plans that protect your pocketbook in case household appliances and systems break down and need repair or replacement. Keep reading to learn about the differences between these two companies. We compare plans, prices and reviews from customers so you can decide which provider is right for you and your home.
ServicePlus Home Warranty vs. Home Warranty of America cost
Your choice between these providers may come down to budget priorities. If a lower monthly payment for entry-level coverage is most important, Home Warranty of America is the stronger choice. However, for those who want to minimize the one-time service fee for a technician's visit, ServicePlus Home Warranty proves to be the more economical option.
ServicePlus Home Warranty plans and pricing
ServicePlus Home Warranty’s two plans always have a $75 service fee, which is your out-of-pocket expense when you file a claim. You can get a discounted rate if you opt to pay annually rather than monthly:
- Gold plan: $849 per year
- Platinum plan: $999 per year
| Service fee | Gold | Platinum |
|---|---|---|
| $75 | $87.42 | $99.92 |
Home Warranty of America plans and pricing
You can select a service fee of Starting at $75 from Home Warranty of America. The monthly pricing in the plans below is based on a $100 service fee — we were unable to get a quote for the lower service fee, but we assume it’s a higher monthly rate.
Home Warranty of America offers a discount when you pay annually rather than monthly:
- Premier plan: $550 per year
- Premier Plus plan: $700 per year
| Service fee | Premier | Premier Plus |
|---|---|---|
| $100 | $48.33 | $60.84 |
*Cost information is accurate as of the time of publishing. Price quotes used a Texas ZIP code; pricing may vary in other locations.
ServicePlus Home Warranty vs. Home Warranty of America coverage
Both ServicePlus Home Warranty and Home Warranty of America build their coverage on all-in-one plans, meaning even their basic packages protect both systems and appliances. Their coverage approach is very similar at the entry-level and continues as you move up to their higher-priced tiers, where both offer robust protection for a comparable list of major home items.
 |  | |
| Coverage |  |  |
|---|---|---|
| Plan | ||
| Air conditioner | | |
| Heating | | |
| Plumbing | | |
| Electrical | | |
| Ductwork | | |
| Sump pump | | |
| Water heater | | |
| Interior plumbing lines | | |
| Interior electrical lines | | |
| Exterior plumbing lines | | |
| Exterior water lines | | |
| Refrigerator | | |
| Dishwasher | | |
| Oven | | |
| Range | | |
| Cooktop | | |
| Microwave | | |
| Food center | | |
| Garbage disposal | | |
| Trash compactor | | |
| Ice maker | | |
| Hot/cold water dispenser | | |
| Range exhaust hood | | |
| Kitchen exhaust fan | | |
| Clothes washer | | |
| Clothes dryer | | |
| Toilets | | |
| Bathtub/shower | | |
| Faucets | | |
| Ceiling fans | | |
| Attic fans | | |
| Central vacuum | | |
| Doorbells | | |
| Garage door openers | | |
| Roof leak repairs | | |
| Main breaker | | |
| Plumbing stoppages | | |
| Home electronics | | |
| Smoke detectors | | |
| Jetted tub components | | |
ServicePlus Home Warranty vs. Home Warranty of America add-ons
While both companies offer common add-ons like pool and spa or well pump coverage their specialty options differ. Home Warranty of America has coverage for roof leak repairs. ServicePlus Home Warranty's selection is smaller but includes options for a second refrigerator.
ServicePlus Home Warranty add-ons
You can cover up to 20 additional items with ServicePlus Home Warranty’s add-on options. Here are the monthly costs for some of the most popular add-ons:
| Optional coverage | Monthly cost |
|---|---|
| Sump pump | $2.08 |
| Central vacuum | $2.08 |
| Second refrigerator | $2.92 |
| Stand-alone freezer | $2.92 |
| Roof leak repair | $4.17 |
| Septic tank pumping | $5 |
| Well pump | $6.25 |
| Guest unit | $12.50 |
| Spa | $12.50 |
Home Warranty of America add-ons
You can choose up to 10 add-ons to customize your plan with Home Warranty of America. Some of the most popular add-ons’ monthly costs are listed below:
| Optional coverage | Monthly cost |
|---|---|
| Stand-alone freezer | $3.00 |
| Septic tank pumping | $4.54 |
| Septic system | $5.31 |
| Well pump | $6.08 |
| Second refrigerator | $7.62 |
| Pool and spa | $19.15 |
What ServicePlus Home Warranty customers say
Reviews for ServicePlus Home Warranty often mention the friendliness and helpfulness of its customer support team. Many reviews describe how easy it is to submit claims, although some mention long wait times for service or reimbursement. Homeowners also appreciate how thorough the explanation process is and how patient its sales team can be.
I had a great experience with the Service Plus home insurance company. They were very responsive and had excellent customer service. The process was easy, and they were able to get me the coverage I needed at a great price. I would recommend them to anyone looking for home insurance.”
– Owen of Livonia, MI
What Home Warranty of America customers say
Many customers note a quick and easy claims process with Home Warranty of America. Reviews say its service team is professional and helpful. Customers mention varying experiences with contractors, with some saying they had to wait for a long time to get service and others praising fast and effective repairs. Many reviewers like that they can easily schedule service at a time that’s convenient for them.
It was a very great experience, that I had with them. It was explain[ed] well and the service was not bad for the price. The Home Warranty was a great choice and I’m glad that I got it. The customer service was good.”
– Janice of Hartford, CT
Bottom line: ServicePlus Home Warranty or Home Warranty of America?
Deciding between ServicePlus Home Warranty and Home Warranty of America isn’t simple. Both companies are experienced and offer starting plans that cover both systems and appliances. Home Warranty of America tends to have lower starting prices for its lower-end plan (sometimes with a higher service call fee), while costs are similar for the two companies’ comprehensive plans. Home Warranty of America is available in all 50 states; ServicePlus Home Warranty isn’t.
- ServicePlus Home Warranty is best for customers who want a plan covering both systems and appliances with a low service call fee. It’s also good for homeowners who want plenty of options for add-on coverage.
- Home Warranty of America is best for customers who want a comprehensive plan, with coverage for many household items and their parts and components.
