Homeowner’s insurance is there to cover your home systems and appliances in case of a catastrophic event. But in the likely event of a breakdown from normal wear and tear, you’ll want a home warranty.
Choosing the best home warranty company is critical. When researching, you’ll want to look into plans, coverage exclusions, cost breakdowns, claims process and customer ratings. If that seems like a lot, don’t worry. The reviews team has done it for you.
One of the many home warranty companies we looked into was Pivotal Home Solutions®. Below, read our review and see whether we think this provider is a good choice. We ranked American Home Shield as our top pick.
In This Article:
- Pivotal Home Solutions Overview
- Pivotal Home Solutions Plans
- Pivotal Home Solutions Costs
- Quotes and Claims With Pivotal Home Solutions
- Pivotal Home Solutions Reviews
- Our Assessment of Pivotal Home Solutions
- Preferred Provider: American Home Shield
Today’s Homeowner works with an independent reviews team to create evidence-based research that helps our readers make informed decisions. The reviews are always independent. For transparency, we may be compensated if you purchase through a link.
Pivotal Home Solutions Overview
Pivotal Home Solutions offers coverage in 12 states and has been in business since 1992. The states it covers include:
Here’s a summary of our Pivotal Home Solutions review:
|There are no service fees.||Preferred and Complete plans are more expensive than other company’s combo plans.|
|Coverage is very customizable, as you can choose to cover just one system.||Coverage is only available in 12 states.|
|Coverage caps are the only difference between the two comprehensive plans.|
|The company has high Better Business Bureau (BBB) ratings and positive customer reviews.|
|Prices and coverage details listed clearly online.|
Pivotal Home Solutions Plans
Pivotal Home Solutions has two comprehensive home warranty plans called Complete Home Protection and Preferred Home Protection. It also offers smaller protection plans that cover groups or individual appliances or systems.
Most home warranty companies have a systems plan, appliance plan and some combination of both. With Pivotal Home Solutions, you have the option of protecting just one system or a group of similar items, like kitchen appliances.
Let’s say you’re on a tight budget but are worried about your air conditioning during a Georgia summer. You can choose the Cooling Repair plan for $12.95 a month ($155.40 a year). This option to cover just one appliance or system is an appealing choice that you don’t see often in home warranty companies.
Pivotal Home Solutions Complete Home Protection Plan
The Complete Home Protection Plan and Preferred Home Protection plans cover the following appliances and home systems:
- Heating system
- Cooling system
- Water heater
- Electrical wiring
- Built-in microwave
- Garbage disposal
- Garage door openers
- Water supply and drainage lines
- Natural gas lines, appliance connectors and shut-off valves
- Inside media lines (internet, phone, cable)
- Sewer lines
- Water lines
The difference between Complete and Preferred is the coverage caps. Preferred costs $10 more per month, but caps are high per year and per incident.
Overall, this list of appliances and systems is comparable to the basic plan from most home warranty providers. The media line coverage is a nice touch that isn’t very common, however.
Pivotal Home Solutions Additional Coverage Plans
Each of the following plans can be purchased separately or in addition to a Preferred or Complete Home Protection Plan. Note that coverage options vary by state.
- Complete Line Protection
- Cooling Maintenance
- Cooling Protection
- Cooling Repair
- Electric Line Protection
- Gas Line Protection
- Heating and Cooling Maintenance
- Heating Maintenance
- Heating Protection
- Heating Repair
- Kitchen Essentials
- Kitchen Protection Plan
- Laundry Room Repair
- Media Line Protection
- Outside Sewer and Outside Water Line Protection
- Outside Sewer Line Protection
- Outside Water Line Protection
- Plumbing Protection
- Preferred Gas Line Protection
- Preferred Plumbing Protection
- Surge Protection
- Water Heater Repair
However, Pivotal Home Solutions doesn’t offer specific add-on coverages that appeal to many homeowners, including:
- Stand-alone freezer
- Second refrigerator
- Limited roof leak coverage
- Pool/spa equipment
- Central vacuum
Pivotal Home Solutions Costs
Pivotal Home Solutions offers just as much transparency regarding the costs of its home warranty plans as they do with coverage, if not more. You have the option to view the home warranty contract on the website, and an excerpt from the contract specifying coverage caps for every appliance or system the company covers is right in front of you as you review the plans.
Pivotal Home Solutions’ Complete Home Protection Plan costs $69.95 per month, while the Preferred Home Protection Plan costs $79.95 per month.
A big perk is that service fees are not required for repairs or replacements. You make up for it in monthly payments, however. The two comprehensive plans are sometimes up to $40 more expensive than what we’ve seen from other home warranty companies. These providers normally charge $65 to $125 per service visit.
If your needs are highly specific as a homeowner, Pivotal Home Solutions may have the home warranty plan for you at a good price. Here’s what the smaller plans cost:
|Complete Line Protection||$29.95|
|Electric Line Protection||$6.95|
|Gas Line Protection||$5.95|
|Kitchen Protection Plan||$36.95|
|Laundry Room Repair||$11.95|
|Media Line Protection||$3.95|
|Outside Sewer and Outside Water Line Protection||$19.95|
|Outside Sewer Line Protection||$12.95|
|Outside Water Line Protection||$8.95|
|Preferred Gas Line Protection||$6.95|
|Preferred Plumbing Protection||$79.95|
|Water Heater Repair||$7.95|
Pivotal Home Solutions Coverage Caps
A coverage cap, or coverage limit, refers to the maximum amount a home warranty company will pay out for appliances and home systems per term or per item. Pivotal Home Solutions offers relatively generous term limitations of between $2,000 and $4,000. Per incident, coverage caps run between $400 and $1,500. Like we mentioned, the Preferred Home Protection Plan’s annual coverage cap is higher, maxing out at $47,750. The Complete Home Protection Plan covers up to $40,500 a year.
Quotes and Claims with Pivotal Home Solutions
Pivotal Home Solutions makes its standard costs easily accessible online. Enter your zip code, and if the company services your area, you can view the available plans and add them to your cart.
If you want to file a claim, you can fill out an online form for a repair or maintenance plan. If the claim is urgent, you must call the provider’s 24-hour phone line.
If the service isn’t urgent, someone will get back to you within two business days. Pivotal Home Solutions selects a pre-screened local service professional for you, so you don’t have to find one and schedule an appointment.
Pivotal Home Solutions Reviews
Pivotal Home Solutions is accredited by the BBB and holds an impressive A+ rating, indicating commitment to customer service. Out of about 100 customer reviews, the company averages a three-star rating.
“I have been a customer with Pivotal Home Solutions for 7 years. They have been extremely helpful anytime I need a repair or maintenance. I am always pleased with the beginning conversation, to setting up an appointment and to the service being completed. I have recommended this service to family and friends. They have been pleased as well. Keep up the great service Pivotal Home Solutions!”– Cheryl O., May 2020
“Technician arrived on time and called ahead to let me know he was on the way. Work performed efficiently and completed in a timely manner. Only issue I had was that they did not change the water level glass, said company did not allow that anymore?? Glass was dirty and technician got most out by blowing Nitrogen through glass with water in glass, worked about 80% but still a little dirty when he left.”– Richard P, November 2019
“Technicians have been great — professional and polite. Customer Services reps have not been friendly. I would call them rude, unsympathetic and unprofessional. Now that service is not under warranty I am hesitant to use them any longer.”– JOB, November 2019
Our Assessment of Pivotal Home Solutions
Although Pivotal Home Solutions offers many plans, these packages still might not meet your needs as well as a solid comprehensive plan with another company.
The prices are high, too. For example, the Kitchen Protection Plan is $36.95 a month and only covers five appliances. Many other home warranty providers offer plans that cover many more appliances and systems for about the same price.
The lack of service fees is great, as these can add up, but the higher monthly payments may not make it worth it in the end.
Pivotal Home Solutions is up front about its prices, coverage detail and coverage caps, and clearly lists these online. These crucial factors are often buried in sample contracts, or you must call to get a quote. It’s nice to be able to shop and have that information readily available.
Lastly, Pivotal Home Solutions seems to have a positive reputation and be a trustworthy provider. However, we’d only recommend its coverage if you’re going to take advantage of one of smaller packages.
If you’re looking for affordable comprehensive protection for your home, we suggest looking into American Home Shield.
Preferred Provider: American Home Shield
American Home Shield has been in the business since 1971 and is considered the industry founder. It offers widespread reach and expertise, servicing every state except for Alaska.
American Home Shield has three plans with increasing levels of coverage. Its base plan, the ShieldSilver Plan™, covers 14 major systems, including plumbing, heating and cooling, and electrical systems. The ShieldGold Plan™ covers the systems covered by the ShieldSilver Plan™ and adds coverage for appliances up to $3,000. The ShieldPlatinum Plan™ covers all 23 systems and appliances in the ShieldGold Plan™ and adds $1,500 of roof-leak coverage. It also increases the coverage limit on appliances to $6,000.
Another plus is flexible service fees and fast response times. American Home Shield allows homeowners to choose between $75, $100 and $125 per service visit, with a higher service fee corresponding to a lower monthly rate. The company claims to respond to customer service requests within 24 hours 98% of the time — a whole day faster than Pivotal Home Solutions.
Other home warranty providers we recommend:
- Choice Home Warranty for aging homes
- Select Home Warranty for value shoppers
- First American Home Warranty for customizable coverage