365 Home Warranty recently went out of business caused by the company’s inability to file annual reporting for two consecutive years. It has shut down its website and stopped communication with all policyholders.

Keep reading to learn about the warning signs to watch out for when choosing the best home warranty company, our top-rated recommendations for home warranty coverage, and tips for helping you choose the right home protection plan for your home.

Why 365 Home Warranty Went Out of Business

On August 16, 2018, 365 Home Warranty, based in Edison, New Jersey, was no longer allowed to do business according to the New Jersey Department of the Treasury Division of Revenue and Enterprise Services. They revoked 365’s business license for not filing an annual report for two consecutive years.

365 Home Warranty has an “F” rating with the Better Business Bureau (BBB) and over 30 complaints regarding billing, guarantees/warranties, and a problem with a product or service. The majority of the unresolved or unanswered complaints date back to 2018.

Many other scam warranty companies, such as Pride Home Warranty and Secure Home Warranty, have received similar volumes of customer complaints.

Our Top-Rated Alternatives to 365 Home Warranty

If you’re searching for an alternative to 365 Home Warranty, consider top-rated companies in the home warranty industry like Choice Home WarrantyAmerican Home Shield, and The Home Service Club—all provide free quotes, comprehensive home warranty plans, and excellent customer service.

How to Avoid a Home Warranty Scam

To avoid being scammed by a home warranty provider like 365 Home Warranty, watch out for the following factors:

  1. Fine print that changes each year

Some warranty companies will change the fine print in your contract when you renew coverage. Most people don’t read over the changes and feel taken advantage of when a repair that was covered in their initial year is no longer covered.

  1. Slow reimbursements

If a home warranty company gives you the run around about coverage and frequently offers a reimbursement check, this can be a red flag. Several 365 customers complained of the company promising to provide reimbursement checks after the appliance repair was completed and a form was submitted. Similar complaints have been filed about other scam companies such as Secure Home Warranty and Endurance Home Warranty.

If you are always paying out of pocket for home repairs and have to fill out forms to get reimbursed, you may be better off finding a home warranty company that will approve your repair the first time, so you don’t have to provide the cash upfront.

  1. Repair delays

Your home warranty company should be able to provide you with a qualified technician within 24–48 hours after receiving a claim. Additionally, determine if your home warranty company can provide specialized contractors that meet your standards and don’t stand you up after scheduling a home repair.

  1. Poor customer service

If your home warranty provider doesn’t answer the phone or respond to service requests, this alone should prompt you to look elsewhere. Customer service representatives should be available to take your call whenever one of your major home systems or appliances breaks down.

  1. High-pressure sales tactics

Home warranty companies base a lot of their revenue on acquiring new customers and retaining their current ones. However, if a company pressures you to extend your warranty past one year, especially if you’re a new customer, you may want to consider other coverage options.

Additionally, a phone call to a customer service representative once a year can keep you up to date on any contract changes, pricing promotions, and issues you may have regarding your policy or the company itself.

Final Thoughts

If you have had a bad experience with a home warranty company, it can be easy to discount all home warranty providers. However, our recommendations give you a great start for restoring your confidence in honest home warranty coverage.

Every person and every home needs the plan that’s right for them. Check out some of our other expert reviews to get all the information you need to find the right home warranty for you. Remember, each of these companies gives a free quote.

Editorial Contributors
Alora Bopray

Alora Bopray

Staff Writer

Alora Bopray is a digital content producer for the home warranty, HVAC, and plumbing categories at Today's Homeowner. She earned her bachelor's degree in psychology from the University of St. Scholastica and her master's degree from the University of Denver. Before becoming a writer for Today's Homeowner, Alora wrote as a freelance writer for dozens of home improvement clients and informed homeowners about the solar industry as a writer for EcoWatch. When she's not writing, Alora can be found planning her next DIY home improvement project or plotting her next novel.

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Roxanne Downer


Roxanne Downer is a commerce editor at Today’s Homeowner, where she tackles everything from foundation repair to solar panel installation. She brings more than 15 years of writing and editing experience to bear in her meticulous approach to ensuring accurate, up-to-date, and engaging content. She’s previously edited for outlets including MSN, Architectural Digest, and Better Homes & Gardens. An alumna of the University of Pennsylvania, Roxanne is now an Oklahoma homeowner, DIY enthusiast, and the proud parent of a playful pug.

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