ServicePlus Home Warranty Review

ServicePlus Home Warranty

• Monthly Cost: $46–$52
• Service Fee: $75
• Response Time: 48 hours
• Coverage Limit: $500
• BBB Rating: Not Rated
• Availability: 

• SelectPlus Home Warranty’s customer service is 24/7, and you can easily submit claims through their online portal or over the phone. 
• If you pay for SelectPlus Home Warranty yearly instead of monthly, you can receive free roof leak coverage. This savings is about $50, which can quickly add up. 
• SelectPlus Home Warranty offers a frequent $200 OFF + two months free discount on their website, which can save you a significant amount of money. During my secret shopping, they also had a 50% summer sale, providing even more savings opportunities. 
  
  
  
  
  
  

• Most home warranty premiums cost around $50 per month throughout the country, according to Today’s Homeowner’s calculations. During our secret shopping, we received expensive quotes ranging from $87 to nearly $100 per month, which is far pricier than what most providers charge — especially without any add-ons. 
• If homeowners want coverage, they must keep maintenance records for all appliances and home systems. This provider can request maintenance records at any time, so if you’re not good at following all recommended maintenance, ServicePlus may deny your claims (even on otherwise covered items), which defeats the purpose of a home warranty. 
• ServicePlus Home Warranty has faced an intense lawsuit from the Pennsylvania Office of the Attorney General for deceptive marketing practices. While this lawsuit is settled, it’s recent, which isn’t reassuring. I’ll explain more about this further down.
  
  
  
  
  
  
  

I recommend Choice Home Warranty to the budget-conscious homeowner who’s willing to do research before partnering with a home warranty provider. Be sure to understand all exclusions before signing a contract, and speak with a customer service representative to secure the best discounts for your contract. 

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Founded in 2016, ServicePlus Home Warranty is a newer home warranty company out of Philadelphia. They offer coverage in 48 states, excluding California and Nevada, and frequent discounts and sales to make their otherwise steep pricing more affordable. One of their biggest pros is their comprehensive coverage. This provider has two home warranty plan choices, which feature coverage for more items around the home than many comparable plans in the industry. 

Home warranty companies are notorious for trying to get out of paying for home repairs and replacements by sneaking in extensive exclusions in their home warranty policies.  I’ve spent hours reading through this provider’s website, sample contract, and secret shopping to give you an unbiased idea of what this provider is all about behind the scenes. 

I’ve been burned by companies claiming to have “helpful” policies before, so I won’t hold back my criticism. I’ve reviewed dozens of home warranty companies, giving me a lot of experience looking for sneaky exclusions that lead to claim denials (and no money for the customer!). I’ve rated this provider based on Today’s Homeowner’s unique review criteria, which include plans and coverage, affordability, customer experience, company reputation, flexibility with service providers, and transparency. 

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Best Coverage Limits

American Home Shield

4.3

50% Off Select Plans

Best Claims Acceptance

Choice Home Warranty

4.3

$50 Off + 1 month free!

Best for Customization

Liberty Home Guard

4.6

$200 Off + 2 Months free

Best Value

Select Home Warranty

4.2

40% Off Home Warranty Plans

ServicePlus Home Warranty: Bottom Line

If I were to purchase a plan from this provider, I’d go with their more comprehensive Platinum plan, which covers must-haves like your HVAC system, clothes washer and dryer, and refrigerator. This plan is an excellent combination plan that will cover most homeowners sufficiently. Just beware of ServicePlus’ low coverage limits. Many are as low as $500, like your water heater coverage, which isn’t enough for replacements or significant repairs. You’ll also need to keep up with maintenance records to prove your appliances and home systems are well-maintained. Otherwise, ServicePlus won’t approve your claims. Keeping records is a chore and something I’m not personally great about keeping up with, so I don’t love this requirement. 

While ServicePlus offers some great discounts and sales, I’m not impressed with the current Better Business Bureau alert on them. This alert warns consumers about this company’s deceptive marketing practices, which doesn’t reassure me about the company’s integrity or customer service. 

Learn more about ServicePlus’ home warranty in this video:

ServicePlus Home Warranty Plans and Coverage 

8.1/10

ServicePlus Home Warranty’s strong point is its comprehensive coverage. Their cheaper plan, the Gold Plan, covers many critical home appliances and systems, like your plumbing, oven, cooktop, water heater, dishwasher, and built-in microwave — all essential items I don’t want to be scrambling to get fixed when they break. However, if you want coverage for your HVAC system, clothes washer and dryer, and refrigerator, you’ll need to upgrade to their Platinum Plan for the most comprehensive coverage. 

Unfortunately, this provider’s coverage caps are lower than I’d like to see. For example, water heater coverage is limited to $500 per contract, including access, diagnosis, repair, and replacement costs. Replacing a water heater can cost as much as $4,000, so this isn’t enough coverage for me to have peace of mind. Similarly, other pricey fixtures like your plumbing system, plumbing stoppages, and whirlpool bathtub only receive $500, which, again, might be enough for minor repairs but likely won’t cover you should replacements be necessary. 

Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Phoenix, AZ. The cost data presented was accurate at the time of writing.

Available Add-Ons

ServicePlus offers an extensive range of optional add-ons, including many options for additional systems. If you have a second heating system, water heater, AC/system, or other appliances, I’d look into these add-ons. I also recommend ServicePlus’ limited roof leak coverage, which is affordable at $4.17 per month and can protect you against pricey roof repairs. 

The company offers the following add-ons:

• Pool/spa: $12.50/month
• Additional spa: $12.50/month
• Limited roof leak: $4.17/month
• Central vacuum: $2.08/month
• Sump pump: $2.08/month
• Well pump: $6.25/month
• Septic system: $8.33/month
• Septic pumping: $5.00/month
• Second refrigerator: $2.92/month
• Stand-alone freezer: $2.92/month
• Water softener: $2.92/month
• Refrigerator ice maker: $2.92/month
• Freestanding ice maker: $4.17/month
• Additional A/C system: $6.25/month
• Additional heating system: $6.25/month
• Additional water heater: $6.25/month
• Additional garage door opener: $4.17/month
• Additional oven/range/stove: $5.00/month

Exclusions

The following exclusions apply to both of ServicePlus’ plans. Pay close attention as this provider has many exclusions — notably, preexisting conditions aren’t covered, and the homeowner must keep up with routine maintenance and documentation. 

• Cosmetic defects
• Failure due to lack of routine maintenance
• Restoration of wall coverings or other household parts if it’s necessary to open the wall or ceiling for a repair
• Abuse, misuse, or neglectful use
• Secondary failures
• Pest or pet damage
• Rust or corrosion
• Noise without a related mechanical failure
• Chemical or sedimentary build-up
• Failure due to calcium build-up
• Lightning strikes
• Missing parts
• Power failure
• Power surges
• Fire
• Casualty 
• Water damage
• Acts of God
• Structural or property damage
• Flood
• Smoke
• Earthquake
• Freeze damage
• Accidents, wars, acts of terrorism, nuclear explosions, reactions, radiation, or radioactive contamination
• Insurrection, riots, vandalism, or intentional destruction of property
• Mold, mildew, mycotoxins, fungus, bacteria, viruses, condensation, wet or dry rot
• Mismatched systems with components with incompatible capacity ratings
• Modified appliances or systems
• Items with manufacturer-issued recall or warning
• Manufacturer error
• Preexisting issues
• Fees associated with removing old systems, appliances, or components along with any hazardous or toxic materials (e.g., asbestos) 
• Commercial-grade appliances
• Cranes or necessary lifting equipment for repairs
• Costs to gain access to covered items
• Replacement of entire systems or appliances due to obsolete, discontinued, or unavailable components

Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

ServicePlus Home Warranty Cost & Affordability 

7.5/10

ServicePlus advertises plans starting at less than $2 per day. While shopping, I received prices of $49.96 or $43.71 per month for their plans, but this is with the 50% off summer sale, so the plans are usually a whopping $84.42 or $99.92 per month, which is far above the average monthly home warranty premium of $50. As a whole, this provider isn’t the most affordable, but they do earn some points in this area for their budget-friendly service fee of only $75. Some providers charge as much as $150 per service visit, so a $75 service call fee is a nice bonus. Plus, if you want any add-ons, ServicePlus has cheaper add-ons that all cost less than $10 per month (except the pool and spa add-ons). This is much more affordable than leading providers like Elite Home Warranty, so it’s a win for affordability. 

ServicePlus Home Warranty Customer Experience

8.8/10

ServicePlus Home Warranty scores well for their dedication to customer experience. Between their online chat and phone line, which is available 24/7, homeowners can readily reach this provider for questions, concerns, and claim submissions. I found their agents professional and knowledgeable, which made my secret shopping experience more enjoyable overall. 

However, I don’t love this provider’s policy about damage liability. If a service contractor is delayed or fails to provide service to your appliance or home systems, which results in damages, ServicePlus Home Warranty isn’t liable for these costs. I’m not impressed that this provider doesn’t stand behind their contractors and the services (or lack of) repairs provided. 

ServicePlus Home Warranty Company Reputation

4.7/10

ServicePlus Home Warranty has a lousy company reputation, and there’s really no other way to put it. While the BBB gives it a decent B rating, Better Business Bureau reviewers give it a scathing review of 1.14 stars, which Yelp reviewers echo with an even lower one-star rating. If that wasn’t bad enough, this provider recently went through a lawsuit from the Pennsylvania Office of Attorney General, which accused them of deceptive consumer marketing practices and won, forcing the company to pay out hundreds of thousands of dollars and revise their practices. While they have promised to update these marketing practices, I’m still not thrilled with this provider’s poor company reputation. 

When surveying customer reviews, consumers were repeatedly disappointed with ServicePlus’s horrible customer service, lack of follow-through, and issues assigning service technicians to address claims. One unhappy customer even shared that it frequently took ServicePlus two or more months to find a service tech, so they often gave in and paid for repairs themselves (which I can’t blame them for because living without my air conditioner during soaring summer temperatures would be miserable). 

Editor’s Note: The ratings provided were accurate at the time of writing.

ServicePlus Home Warranty Claims Process

8/10

ServicePlus Home Warranty receives a solid score of 8/10 for its claims process. While they aren’t the fastest provider regarding setting up an appointment (it takes them two days during normal business hours and four on the weekends or holidays, which I don’t want to wait for when my stove breaks down on Christmas Eve), their process is streamlined and straightforward. You can contact them 24/7/365 over the phone or through the customer portal for service. 

A downside to their claims process is that if the provider can’t secure a service contractor for a repair or replacement appointment, they may provide you with cash-in-lieu of the service. ServicePlus Home Warranty’s sample contract states that this amount will be substantially less than retail value, so you may end up paying for part of the service out of pocket, which I find unacceptable. 

On the positive side, their sample contract shares that if a repair or replacement fails, you won’t be charged an additional service fee for 90 days if it’s parts-related and 30 days if the failure is related to labor issues. 

ServicePlus Home Warranty Transparency & Ease of Use 

6/10

While I applaud ServicePlus for providing a clear sample contract on their website, the sheer number of exclusions makes this provider challenging. Their policy is clear-cut and transparent but includes more exclusions than I’ve seen in most home warranty providers’ contracts. Unfortunately, this makes it easy for them to deny your claims for a multitude of reasons. 

For example, if you don’t keep up with routine maintenance and document it, your HVAC system claim may be denied, leaving you with thousands of dollars in repair costs. I don’t want to deal with this headache, so I strongly recommend closely reviewing their sample contract, fine print, and exclusions before enrolling with this company’s home warranty plans. 

Exclusions

ServicePlus Home Warranty has extensive exclusions — more than I’ve seen any other home warranty company list in a single sample contract during my countless hours of research in this industry. As a result, I am hard-pressed to recommend them as I feel it would be easy for them to deny my claim on any of these exclusions. 

• Cosmetic defects
• Failure due to lack of routine maintenance
• Restoration of wall coverings or other household parts if it’s necessary to open the wall or ceiling for a repair
• Abuse, misuse, or neglectful use
• Secondary failures
• Pest or pet damage
• Rust or corrosion
• Noise without a related mechanical failure
• Chemical or sedimentary build-up
• Failure due to calcium build-up
• Lightning strikes
• Missing parts
• Power failure
• Power surges
• Fire
• Casualty 
• Water damage
• Acts of God
• Structural or property damage
• Flood
• Smoke
• Earthquake
• Freeze damage
• Accidents, wars, acts of terrorism, nuclear explosions, reactions, radiation, or radioactive contamination
• Insurrection, riots, vandalism, or intentional destruction of property
• Mold, mildew, mycotoxins, fungus, bacteria, viruses, condensation, wet or dry rot
• Mismatched systems with components with incompatible capacity ratings
• Modified appliances or systems
• Items with manufacturer-issued recall or warning
• Manufacturer error
• Preexisting issues
• Fees associated with removing old systems, appliances, or components along with any hazardous or toxic materials (i.e., asbestos) 
• Commercial-grade appliances
• Cranes or necessary lifting equipment for repairs
• Costs to gain access to covered items
• Replacement of entire systems or appliances due to obsolete, discontinued, or unavailable components

Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

ServicePlus Home Warranty Flexibility in Service Providers

2/10

ServicePlus Home Warranty doesn’t allow you to request your own service contractor. This provider is entirely in charge of picking who will perform the service in your home, giving you no flexibility if you prefer a particular provider in your area. As a result, this company gets an abysmal 1/10  rating in this category. 

ServicePlus Home Warranty Vs. The Competition

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Company	Our Rating	Monthly Cost	Service Fee	States Covered	Link
Liberty Home Guard Get Quote	4.6	$50-$60	$75	All 50 states	Get Quote
American Home Shield Get Quote	4.3	$35–$75	$100–$125	49 states (ex. AK)	Get Quote
Elite Home Warranty	4.3	$44.99-$58.99	$70	48 states (ex. CA & TX)
Choice Home Warranty Get Quote	4.3	$46–$55	$85	48 states (ex WA & CA)	Get Quote
Select Home Warranty Get Quote	4.2	$52–$58	$75-$85	All except NV, WA, & WI	Get Quote
AFC Home Warranty Get Quote	4.3	$38–$62	$75–$125	48 states (ex. CA & HI)	Get Quote
Cinch Home Services Get Quote	4.1	$28–$68	$100–$150	47 states (ex. AK, CA, & HI)	Get Quote
2-10 Home Warranty Our Review	4.3	$17–$60+	$65–$100	42 states (ex. AK, HI, MT, NH, ND, OK, SD, WY)	Our Review
First American Home Warranty Get Quote	4.3	$72–$87	$75–$125	35 states	Get Quote

ServicePlus Home Warranty Vs. Liberty Home Guard

Liberty Home Guard is far more affordable than ServicePlus Home Warranty. Most quotes I’ve received from Liberty cost between $50 and $60 for your monthly premium, but the quotes ServicePlus provided ranged from $87 to $99, nearly double the average cost of a monthly home premium in the US ($50). If you’re on a tight budget, ServicePlus has a cheaper service fee of $75. Still, Liberty Home Guard is the better value in my book for their comprehensive plans and less expensive monthly premiums. 

Liberty Home Guard is one of my top picks for their extensive plan options (you can select from an appliance-only, home systems-only, or combination plan), while ServicePlus only offers two options. Liberty has more than 40 add-on options, including novel items like carpet cleaning, gutter cleaning, window washing, and coverage for your saltwater pool or reverse osmosis water filter. With that said, ServicePlus offers an extensive range of add-ons, but Liberty still tops them and is my preferred choice between the two providers. 

ServicePlus Home Warranty Vs. American Home Shield

American Home Shield has far better coverage and fewer exclusions than ServicePlus. ServicePlus Home Warranty has a massive list of exclusions, ranging from failure to keep up with maintenance, preexisting conditions, and water damage. American Home Shield offers more robust coverage by covering items with unknown preexisting conditions, items without maintenance records, duplicates of the same item, and breakdowns caused by improper installation, repairs, or insufficient maintenance. As someone who isn’t perfect about staying on top of my home maintenance records, I prefer American Home Shield’s coverage due to its lack of nitpicky exclusions. 

With over 50 years of experience, American Home Shield is my preferred choice. However, a homeowner on a tight budget may find ServicePlus’ $75 service fee more attractive than American Home Shield’s $100 to $125 service fee.  

ServicePlus Home Warranty Vs. Elite Home Warranty

With a B rating from the Better Business Bureau, ServicePlus Home Warranty can’t match Elite Home Warranty’s fantastic company reputation. Elite Home Warranty has an A+ rating and is accredited by the BBB. Not to mention, their customer reviews online rave about their professional customer service, easy claims process, and high coverage caps. In contrast, ServicePlus receives constant complaints about its deceptive marketing practices, poor payouts, and lousy customer service — all issues that make me hesitant to recommend them. 

ServicePlus offers two home warranty plans compared to Elite Home Warranty’s three options. Elite is much better overall for homeowners looking for complete peace of mind, more customization options, or higher coverage caps for premium appliances and home systems. 

Who Is ServicePlus Home Warranty Best For?

• Homeowners who expect numerous claim requests per year
• Homes with second appliances or home systems (like an additional water heater or oven)
• Landlords interested in long workmanship guarantees

ServicePlus Home Warranty isn’t my top pick for a home warranty provider because of its massive number of exclusions and lackluster company reputation. However, some homeowners may still benefit from their policies. If you expect to need several service calls each year, ServicePlus’ cheaper $75 service call fee is a nice benefit when most providers charge between $100 and $150 per service call. You can also pay an extra fee for optional coverage for most additional appliances or home systems, like a second water heater or air conditioning system, which benefits those with larger homes. Finally, if you’re a landlord or an anxious homeowner worried about repairs not lasting, ServicePlus has a generous workmanship warranty of up to 90 days for parts-related problems. This warranty saves you money should a repair or replacement not last, as you don’t need to pay another service fee. 

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