Platinum Home Warranty is fairly new to the home warranty industry with less than 10 years of experience, but reviews from real customers have praised the company’s ability to provide comprehensive coverage and speedy customer service.
In this Today’s Homeowner 2023 review of Platinum Home Warranty, we discuss plan information, add-on options, prices, and customer reviews to help you determine if this is the best home warranty for you.
Our Preferred Home Warranty Alternatives
Today’s Homeowner recommends a few home warranty companies to our readers. Below, you’ll see our latest suggestions and their money-saving deals. You can also read our review of the companies with similar home warranty plans to learn more about these top picks.
Company Pros and Cons
Compare the advantages and disadvantages of Platinum Home Warranty below:
Plans and Pricing
Platinum Home Warranty offers three plans—a Bronze Plan, Silver Plan, and Gold Plan. The plans cost between $45.91–$70.91 per month. You can also add on optional coverage for 11 different items.
Bronze Plan: $45.91 per month ($479.00 per year). This plan covers 19 home systems and appliances.
- Heating
- Air conditioning
- Ductwork repair
- Thermostat
- Plumbing blockages
- Toilet tanks, bowls, replacements
- Hot water heater (up to 80 gallons)
- Electrical breakers and panels
- Outlets and light switches
- Cooking oven/range
- Built-in microwave oven
- Garbage disposal
- Trash compactor
- Dishwasher
- Exhaust fans and ceiling fans
- Garage door opener
- Doorbell
- Pest control
- Rekeying
Silver Plan: $55.91 per month ($599.00 per year). The Silver Plan protects the previous 19 items, plus eight more items, like improper installations and mismatched units.
- Heating
- Air conditioning
- Ductwork repair
- Thermostat
- Plumbing blockages
- Toilet tanks, bowls, replacements
- Hot water heater (up to 80 gallons)
- Electrical breakers and panels
- Outlets and light switches
- Cooking oven/range
- Built-in microwave oven
- Garbage disposal
- Trash compactor
- Dishwasher
- Exhaust fans and ceiling fans
- Garage door opener
- Doorbell
- Pest control
- Rekeying
- Crane fees
- Haul away
- Additional modification coverage
- Disposal fees
- Additional plumbing coverage
- Enhanced garage door coverage
- Permit
- Improper installations and mismatched units
Gold Plan: $70.91 per month ($779.00 per year). The Gold Plan builds off of the coverage in the Silver Plan by including a washer, dryer, and refrigerator with an ice maker.
- Heating
- Air conditioning
- Ductwork repair
- Thermostat
- Plumbing blockages
- Toilet tanks, bowls, replacements
- Hot water heater (up to 80 gallons)
- Electrical breakers and panels
- Outlets and light switches
- Cooking oven/range
- Built-in microwave oven
- Garbage disposal
- Trash compactor
- Dishwasher
- Exhaust fans and ceiling fans
- Garage door opener
- Doorbell
- Pest control
- Rekeying
- Crane fees
- Haul away
- Additional modification coverage
- Disposal fees
- Additional plumbing coverage
- Enhanced garage door coverage
- Permit
- Improper installations and mismatched units
- Washer and dryer
- Refrigerator and ice maker
All three of the plans offer pre-season HVAC system checkups. With the Bronze Plan and Silver Plan, you pay the service fee for a checkup. With the Gold Plan, you get one free checkup, and after that, you’ll have to pay the service fee.
*Note: The service fee for these plans is $75.00 every time a technician visits your home. This is about the same as what competitors such as Acclaimed Home Warranty and Fidelity National Home Warranty charge.
Optional Add-Ons: Platinum Home Warranty offers 11 items that you can add onto any of the three plans to customize your coverage.
- Washer and dryer: $79.00
- Refrigerator and ice maker: $79.00
- Built-in pool and spa: $179.00
- Saltwater pool system upgrade: $379.00 (To get coverage for your saltwater pool, you must purchase this add-on and the built-in pool and spa add-on.)
- Additional pool pump or water feature: $89.00
- Drip and sprinkler system: $79.00
- Septic coverage: $69.00
- Soft water system: $79.00
- Additional dishwasher: $69.00
- Additional garage door opener: $69.00
- Guest house (detached under 750 square feet: $219.00; detached over 750 square feet: $369.00)—For a unit attached to a house that is under 5,000 square feet, coverage is already included free of charge. If the property is more than 5,000 square feet, you can still get coverage, but you’ll have to call Platinum for an estimate.
Coverage Details
To get a better idea of what comprehensive home warranty coverage truly looks like, our team surveyed 1,000 homeowners and asked which systems and appliances were most valuable to them. Once the results were in, we took the responses and compared them to what each home warranty provider covers.
From our findings, we gathered that the top three appliances most important to a homeowner are the refrigerator, the oven/stove/range, and the clothes washer and dryer. The top three systems that hold the most importance are the electrical, plumbing, and air conditioning.
Refrigerator
The Gold Plan is Platinum Home Warranty’s only plan that offers refrigerator coverage. You can purchase a $79.00 add-on for the Bronze or Silver Plans. Refrigerator protection includes the ice maker and any other parts needed for it to operate properly.
However, it doesn’t cover cosmetic parts, like shelves and light bulbs. The coverage cap for your refrigerator is $2,500.00 per contract term.
Oven/range/stovetop
Platinum offers oven and range protection in all three of its plans. Like the refrigerator, certain parts aren’t included, like light bulbs, clocks, and magnetic induction units. The coverage cap is $1,500.00 for this item.
Clothes washer and dryer
Like the refrigerator, only the Gold Plan protects the washer and dryer, but you can add coverage to the other two plans for an additional $79.00. As long as the part is needed for your washer or dryer to run properly, it’s protected up to $1,500.00 per term.
Electrical
Electrical systems are included in all three of Platinum Home Warranty’s plans. Most electrical components are included in this coverage, minus smart systems, home security systems, lighting systems, gas fireplaces, and solar-powered systems, along with a few other cosmetic items like light bulbs. The cap is $1,500.00 per contract period.
Plumbing
All of Platinum’s plans offer plumbing protection, including coverage of blockages, leaks, and failures to items that make the system run. However, there are a lot of exclusions, including shower heads, tub stoppers, ejector pumps, water tanks, and toilet seats.
Coating, grouting, and caulking also aren’t covered, along with damage to pipes and fixtures from natural causes, like roots and minerals. The caps are $300.00 for toilet replacements, $500.00 for slab leaks, and $1,000.00 total per contract term.
Air conditioning
Air conditioning is protected in all three plans. This coverage is for thermostats, wiring, refrigerant leaks, ductwork, and other parts that help the air conditioner function. Excluded parts include window units, insulation, air filters, and more.
Air conditioning is paired with heating in the terms and conditions, meaning the coverage cap of $2,000.00 applies to both systems.
Coverage Length
Coverage starts on the day your application is approved and you’re given a confirmation number. For homes that didn’t get an inspection before purchasing a plan, this is 31 days after your close of escrow or when your first monthly or annual premium is paid. The contract lasts for one year, but if you don’t give the company written notice 30 days before the contract ends, Platinum will automatically renew your contract for another term.
Coverage Limits
Platinum Home Warranty has coverage caps for some of the items in the plans, indicating that there’s a maximum amount the company is willing to pay for repairs and replacements. If the repairs cost more than the coverage cap, the homeowner will have to pay the remaining amount. All of the caps for major systems and appliances are between $1,000.00–$2,000.00 per contract term. This is about on par with competitors such as Home Warranty Inc..
While not all of the items have coverage caps, they all have a list of parts that are excluded from coverage. This means that you may think you’re getting comprehensive coverage for your plumbing system, but in reality, it excludes major parts like water tanks, sinks, and pressure regulators.
Platinum also has limitations when it comes to replacing an irreparable item. For example, Platinum pays for a replacement with a similar brand, capacity, and efficiency, meaning you aren’t guaranteed the same dimensions, brands, or colors. To learn more about these limitations, view the terms and conditions listed on Platinum Home Warranty’s website.
State Availability of Platinum Home Warranty
Platinum Home Warranty only provides coverage to Arizona residents. If you live in one of the other 49 states, visit our state home warranty page to find a provider for your home.
Our Take
We believe Platinum Home Warranty is a viable option for Arizona residents who are looking for a personalized home warranty experience. Because Platinum is a small company, you get to talk to real representatives who understand how to protect your home.
The biggest downside to a plan with Platinum is that the refrigerator, washer, and dryer are only included in the Gold Plan. At first glance, the plans look affordable with the Bronze Plan being under $50 per month and the Silver Plan being just over $50 per month.
However, if you want coverage for all of the big items in your home, you have to pay more than $70 per month through the Gold Plan or purchase add-ons. This makes its comprehensive coverage far more expensive than big names like American Home Shield and Choice Home Warranty.
We applaud Platinum on providing coverage for items not commonly found in home warranty plans like doorbells, pest control, and light fixtures. This sort of coverage allows customers to protect more areas of their home.
However, we want to point out that while the list of covered items seems extensive, the sample contract lists a lot of excluded components for each item, meaning that your systems and appliances aren’t as protected as it may seem.
We think it’s worthwhile to call Platinum for a free quote if you’re interested in Arizona home warranty coverage. Because of the small company culture, you’ll be able to talk to a representative who will break down the plans and make sure you understand what is and isn’t covered, and who can help you decide if a Platinum warranty is what’s best for your home.
What Others Are Saying
As a consumer, you probably don’t have the time to sit around and sift through the hundreds of reviews left by customers. That’s where we come in. At Today’s Homeowner, we go through user complaints, reviews, and ratings of each home warranty company and compile that information in a chart that’s easy for you to understand.
Below, we’ve included Platinum Home Warranty ratings compared to the industry average.
Summary of Customer Feedback
| REVIEWER | PLATINUM HOME WARRANTY RATINGS | INDUSTRY AVERAGE RATINGS |
| YELP | 3.0 / 5 (out of 129 reviews) | 1.2 / 5 (out of 375 reviews) |
| BBB | 4.9 / 5 (out of 430 reviews) | 2.0 / 5 (out of 956 reviews) |
Platinum Home Warranty reviews
Platinum Home Warranty has an A+ rating from the Better Business Bureau (BBB), a customer score of 4.9 stars out of 5, and more than 400 customer reviews. This is one of the best review scores we’ve seen. It’s only matched by a few competitors, including American Residential Warranty.
Here are a few reviews from Platinum customers:
Final Thoughts
Today’s Homeowner gives Platinum Home Warranty a score of 3.6 out of 5 stars. Not only does Platinum’s plans offer coverage to areas not commonly protected in home warranty plans, like rekeying and pre-season HVAC checkups, but you can further customize your coverage with a variety of add-on options.
Platinum Home Warranty may be a good option if…
- you are an Arizona resident who likes to support local businesses or likes a more personal customer service experience.
- you want coverage for every area of your home.
- you want a company that has been highly rated by customers.
Platinum Home Warranty may not be your first choice if…
- you live in any other state besides Arizona.
- you want your home warranty provider to be available 24/7 for repairs.
Frequently Asked Questions About Platinum Home Warranty
What is Platinum Home Warranty’s warranty on work performed?
Platinum Home Warranty has a 30-day warranty, meaning that if you have a repair done to a specific item, and the item breaks again during the following 30 days, the company will not charge you a second service fee to send another technician to refix it. Other companies call this a “service guarantee.”
The only exclusion to this warranty is with pest control. Each time a technician comes to your home to treat pests, you must pay the service fee.
When does Platinum Home Warranty use other companies instead of its own service contractors?
Platinum Home Warranty uses its own technicians for almost all of service calls. There are two occasions when the company will contract out: for repairs on items, like pools and roofs, that the company doesn’t have expertise in and when all of the Platinum technicians are busy.
When can you call Platinum Home Warranty to request service?
You can call Platinum Home Warranty 24/7, but the response time will depend on if the call is inside or outside of business hours. The company has business hours between 8 a.m. and 5 p.m., Monday through Friday. If you call during that time, your claim will be processed faster. If you call after hours, a live operator will answer.
If your request is classified as an emergency, you will be dispatched to the on-call technician for faster service. If your request is not urgent, the operator will take note of your request, and it will be processed the next business day.
How quickly does Platinum Home Warranty fulfill a service request?
Platinum Home Warranty does its best to ensure that customers receive a technician visit within 24 hours after you report an issue or during the next business day if the breakdown occurs during the weekend.
Compare Platinum to the Competition
Though Platinum Home Warranty is a top-rated home warranty company, there may be better options available. Compare Platinum to the competition.
Today's Homeowner recommends other home warranties besides this one. Check out some of our other expert reviews on our top-rated providers to get all the information you need. Remember, each of these companies gives a free quote.
- Choice Home Warranty review
- American Home Shield review
- Select Home Warranty review
- Amazon Home Warranty review
- Liberty Home Guard review
Company information
- Company name: Platinum Home Warranty
- CEO: Matthew D. Widdows
- Years in business: 8
- Telephone: 800-871-2339
- Address: 16211 N Scottsdale Road, Suite A6A-478
- City/State: Scottsdale, AZ
- Zip code: 85254
- State availability: 1
- BBB rating: A+
Methodology
At Today's Homeowner, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source.
Our rating system involves a weighted, 100-point scale that scores home warranty companies on plans offered, coverage, state availability, cost, trustworthiness, customer service, and unique benefits.
For more details, check out our affiliate disclosure and rating methodology.
