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ServicePlus Home Warranty vs. Home Warranty of America

ServicePlus Home Warranty

ServicePlus Home Warranty vs. Home Warranty of America

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 logohome warranty of america logo
Monthly premium cost$53.67 to $60.33$43 to $55.31
Average cost for combo plan$56.17 (Platinum)$55.31 (Premier Plus)
Annual premium cost$569 to $649$516 to $663.72
Service call fee$75$75 or $100
Discounts available2 months free and limited roof coverage with annual paymentNot specified
serviceplus home warranty logo$53.67 to $60.33$56.17 (Platinum)$569 to $649$752 months free and limited roof coverage with annual payment
home warranty of america logo$43 to $55.31$55.31 (Premier Plus)$516 to $663.72$75 or $100Not specified


serviceplus home warranty logohome warranty of america logo
Plans availableGold, PlatinumPremier, Premier Plus
Covered systems910
Covered appliances710
Combo plan covered items1620
Service recall period30 days90 days on parts; 30 days on labor
Availability43 states50 states
serviceplus home warranty logoGold, Platinum971630 days43 states
home warranty of america logoPremier, Premier Plus10102090 days on parts; 30 days on labor50 states

Appliances coverage

serviceplus home warranty logohome warranty of america logo
Built-in food centers
Built-in microwaves
Clothes dryers
Clothes washers
Ice makerAdd-on
Instant hot/cold water dispensers
Ranges, ovens and cooktops
Trash compactors
Water sensors
Whirlpool bathtub
serviceplus home warranty logoAdd-on
home warranty of america logo

Systems coverage

serviceplus home warranty logohome warranty of america logo
Air conditioning
Ceiling fans
Central vacuumsAdd-on
Garage door openers
Garbage disposals
Smoke detectors
Water heaters
serviceplus home warranty logoAdd-on
home warranty of america logo

Other coverage

serviceplus home warranty logohome warranty of america logo
Guest unitAdd-on
Roof leak repairsAdd-onAdd-on
Second refrigeratorAdd-onAdd-on
Septic pumpAdd-onAdd-on
Stand-alone freezerAdd-onAdd-on
Well pumpAdd-on
serviceplus home warranty logoAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
home warranty of america logoAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on

Reputation on ConsumerAffairs

serviceplus home warranty logohome warranty of america logo
Overall star rating3.33.7
Verified customer reviewsRead reviewsRead reviews
serviceplus home warranty logo3.3Read reviews
home warranty of america logo3.7Read reviews

All prices are based on a quote for a house of less than 5,000 square feet in Austin, Texas. All information is accurate as of publishing.

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    ServicePlus Home Warranty

    ServicePlus Home Warranty, formerly known as Total Home Protection, sells two home service contracts: Gold and Platinum. You can get a free online quote, and plans come with a 30-day, no-obligation money-back guarantee. Customers can make a claim 24/7 and pay a $75 service fee for a local contractor to diagnose the problem. ServicePlus Home Warranty offers flexible payment options, including monthly and yearly plans. Plans are available in most states.

    ServicePlus Home Warranty plans

    • Gold: The Gold plan covers the following systems and appliances:
      • Plumbing system and stoppage
      • Electrical system
      • Ductwork
      • Water heater
      • Oven, range and stove
      • Cooktop
      • Sump pump
      • Whirlpool bathtub
      • Built-in microwave
      • Dishwasher
      • Garbage disposal
      • Trash compactor
      • Ceiling and exhaust fans
      • Garage door opener
    • Platinum: The Platinum plan covers everything in the Gold plan, plus air conditioning and heating systems, refrigerator and clothes washer and dryer.
    • Optional coverages: There are over 15 add-on coverages, including for a well pump, septic system, second refrigerator, stand-alone freezer, water softener and refrigerator ice maker.

    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.

    Total Home Protection is exactly what I was looking for. Agent was extremely knowledgeable and friendly. He explained everything to me and answered all of my questions. A pleasure to talk to. I will [definitely] recommend Total Home Protection to all of my friends.”

    Ronald of Huntsville, AL

    Home Warranty of America

    Like ServicePlus Home Warranty, Home Warranty of America covers both systems and appliances in both of its plans: Premier and Premier Plus. Both plans come with a 30-day money-back guarantee and feature 24/7 claims service. The service call fee is $75 or $100, depending on the plan. HWA plans are available to homeowners in all 50 states. The company offers free quotes.

    Home Warranty of America plans

    • Premier: The Premier plan provides coverage for these systems and appliances:
      • Heating system/furnace (basic)
      • Water heater (basic)
      • Plumbing system (basic)
      • Dishwasher (basic)
      • Built-in microwave (basic)
      • Range/oven/cooktop (basic)
      • Trash compactor (basic)
      • Garage door systems (basic)
      • Electrical system
      • Ductwork
      • Burglar and fire alarm systems
      • Permanent sump pump
      • Whirlpool bathtub
      • Doorbell
      • Ceiling and exhaust fans
      • Central vacuum
      • Garbage disposal
      • Refrigerator with ice maker
      • Washing machine and dryer
    • Premier Plus: The Premier Plus plan includes the basic coverage of the Premier plan, plus coverage for other parts and components. For example, for a dishwasher, the Premier Plus plan adds coverage for racks, baskets, rollers and door seals. The Premier Plus plan also covers your air conditioning system.
    • Optional coverages: Customers can add protection for a pool, spa, well pump, second refrigerator, septic system and more.

    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.

    We've had American Home Shield for 10 years, and we've used it three times. ... We used them recently when our water heater went out, and the contractors were very good. We paid a little more out-of-pocket than what I thought, but I needed a couple other things that I didn't have to come up to code. Overall, I was very satisfied.”

    John of Pittsburgh, PA

    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.
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