Complete Protection Home Warranty, also known as Complete Appliance Protection, has over 20 years of experience in the home warranty industry. It offers comprehensive coverage across 48 U.S. states and Washington, D.C. The company offers plans designed to protect essential home systems and appliances. We’ll explore Complete Protection Home Warranty’s coverage options, pricing, and reputation and compare it to leading home warranty providers.
Pros and Cons of Complete Protection Home Warranty
Pros
- Allows you to choose your own technician, while most competitors do not
- Provides customer service 24 hours a day, seven days a week, 365 days a year
- Doesn’t require a service call fee, while most competitors do
Cons
- Limits plan selection to comprehensive options
- Doesn’t have a guaranteed response time
What Is Complete Protection’s State Availability?
Complete Protection Home Warranty is available in 48 U.S. states and Washington, D.C., excluding Wisconsin and California. However, if you need coverage in these states, read our reviews below to find the best home warranty options.
What Plans and Coverage Does Complete Protection Offer?
Complete Protection offers four different plans that customers can choose from: the Essential Plan, Advanced Plan, Comprehensive Plan, and Ultimate Plan一each offering a combination of home appliances and systems coverage. Here’s a breakdown of each plan:
- Essential Plan: This plan includes four appliances, such as dishwashers, ovens, and cooktops, and two major systems: HVAC and water heaters.
- Advanced Plan: This plan increases appliance coverage to seven items, adding washers, dryers, and refrigerators. System coverage remains the same.
- Comprehensive Plan: This plan expands upon the Advanced Plan by adding system protection for plumbing and certain electrical components, such as main panels, wiring, outlets, and switches. Appliance coverage remains the same.
- Ultimate Plan: The highest-tier plan expands the Advanced Plan coverage to include drain line stoppages, faucets, and showerheads. It also covers garage door openers, garbage disposals, ceiling and exhaust fans, and light fixtures.
Complete Protection Home Warranty Plan Comparison
Compare the covered items under each Complete Protection Home Warranty plan below:
| Item | Essential Plan | Advanced Plan | Comprehensive Plan | Ultimate Plan |
|---|---|---|---|---|
| Air conditioner | ✔ | ✔ | ✔ | ✔ |
| Furnace | ✔ | ✔ | ✔ | ✔ |
| Thermostats | ✔ | ✔ | ✔ | ✔ |
| Dishwasher | ✔ | ✔ | ✔ | ✔ |
| Oven | ✔ | ✔ | ✔ | ✔ |
| Cooktop | ✔ | ✔ | ✔ | ✔ |
| Microwave | ✔ | ✔ | ✔ | ✔ |
| Refrigerator | 𝗫 | ✔ | ✔ | ✔ |
| Washer | 𝗫 | ✔ | ✔ | ✔ |
| Dryer | 𝗫 | ✔ | ✔ | ✔ |
| Garage door opener | 𝗫 | 𝗫 | 𝗫 | ✔ |
| Garbage disposal | 𝗫 | 𝗫 | 𝗫 | ✔ |
| Water heater | ✔ | ✔ | ✔ | ✔ |
| Plumbing pipe leaks | 𝗫 | 𝗫 | ✔ | ✔ |
| Drain line stoppages | 𝗫 | 𝗫 | 𝗫 | ✔ |
| Faucets and shower heads | 𝗫 | 𝗫 | 𝗫 | ✔ |
| Toilets | 𝗫 | 𝗫 | 𝗫 | ✔ |
| Electrical main panel | 𝗫 | 𝗫 | ✔ | ✔ |
| Electrical wiring | 𝗫 | 𝗫 | ✔ | ✔ |
| Outlets and switches | 𝗫 | 𝗫 | ✔ | ✔ |
| Ceiling and exhaust fans | 𝗫 | 𝗫 | 𝗫 | ✔ |
| Light fixtures | 𝗫 | 𝗫 | 𝗫 | ✔ |
Additionally, this company offers optional coverage for the following items:
HVAC:
- Air conditioner (AC) mini split
- Boiler
- Condensing unit
- Evaporator coil
- Furnace
- Package unit
- Split system AC/HP
Miscellaneous:
- Garage door opener
- High-end option
- Pool heater
- Pool pump
- Septic pump
- Septic tank
- Well pump and tank
Appliances:
- Cooktop
- Dryer
- Deep freezer
- Dishwasher
- Garbage disposal
- Ice machine
- Microwave oven
- Refrigerator
- Trash compactor
- Water heater
- Washer
- Wine cooler
Coverage Limits
Complete Protection Home Warranty covers a wide range of home systems and appliances, with repair limits up to $1,000 for plumbing, electrical, and septic components. Replacement coverage varies, with major items such as refrigerators and HVAC units having limits of up to $500 or more, while smaller items such as faucets and microwaves have lower caps. Some systems have a $1,000 aggregate limit, which is lower than what other providers offer, but the plan includes unlimited repairs and replacements for select components.
Below is a breakdown of the coverage limits per item:
| Item | Repair Limit | Replacement Limit | Aggregate Limit |
|---|---|---|---|
| AC evaporator coil | No limit | $500 | $1,000 |
| AC outside condensing unit | No limit | $700 | $1,000 |
| Boiler | No limit | $700 | $1,000 |
| Ceiling and exhaust fans | No limit | $100 | N/A |
| Dishwasher | No limit | $300 | N/A |
| Drain line stoppages | $1,000 | $1,000 | $1,000 |
| Electrical wiring | $1,000 | $1,000 | $1,000 |
| Faucets | No limit | $100 | N/A |
| Furnace/air handler | No limit | $500 | $1,000 |
| Garage door opener | No limit | $100 | N/A |
| Garbage disposal | No limit | $100 | N/A |
| Ice machine | No limit | $300 | N/A |
| Light fixtures | No limit | $100 | N/A |
| Main panel | $1,000 | $1,000 | $1,000 |
| Microwave | No limit | $150 | N/A |
| Outlets and switches | $1,000 | $1,000 | $1,000 |
| Plumbing pipe leaks | $1,000 | $1,000 | $1,000 |
| Pool heater | No limit | $500 | $1,000 |
| Pool pump | No limit | $500 | $1,000 |
| Refrigerator | No limit | $500 | $1,000 |
| Range/oven/cooktop | No limit | $300 | N/A |
| Septic pump | $1,000 | $350 | $1,000 |
| Septic tank and lateral lines | $1,000 | $1,000 | $1,000 |
| Showerheads | No limit | $100 | N/A |
| Septic tank | $1,000 | $1,000 | $1,000 |
| Toilets | No limit | $100 | N/A |
| Thermostat | No limit | $150 | N/A |
| Trash compactor | No limit | $300 | N/A |
| Well pump | $1,000 | $350 | $1,000 |
| Well tank | $1,000 | $350 | $1,000 |
| Water heater | No limit | $300 | N/A |
| Wine cooler | No limit | $300 | N/A |
How Much Does Complete Protection Home Warranty Cost?
Complete Protection Home Warranty plans range from $49–$79 per month, depending on the level of coverage you select. This pricing falls within the typical home warranty cost range of $47–$82 per month, making it competitively priced compared to other providers. While Complete Protection’s offers lower-tier plans priced slightly above average, its higher-tier options remain on the more affordable end. We recommend that homeowners weigh coverage details alongside costs to determine if Complete Protection offers the best value for their needs.
Plan Pricing Breakdown
Below is a list of Complete Protection plans and pricing.
| Complete Protection Home Warranty Plan | Monthly Cost |
|---|---|
| Essential Plan | $49 |
| Advanced Plan | $59 |
| Comprehensive Plan | $69 |
| Ultimate Plan | $79 |
Unlike many home warranty companies, Complete Protection doesn’t charge a service call fee, which customers typically owe each time a technician handles a repair. This means you’ll only pay the monthly plan cost for system or appliance repairs unless you reach the coverage cap. The coverage cap, which is the maximum amount Complete Protection will pay for a repair or replacement, is outlined in your contract’s terms and conditions.
Add-On Pricing Breakdown
Complete Protection Home Warranty offers a variety of add-on options, with costs ranging from $4 for items such as cooktops and garage door openers to $28 for high-end appliances. Most major appliances, including refrigerators, dishwashers, and washers, cost around $8, while specialized equipment such as pool pumps and septic tanks comes at higher rates. HVAC components have the highest costs, with items like boilers priced at $26 and mini-split systems at $28.
| Add-On Item | Monthly Cost |
|---|---|
| Cooktop | $4 |
| Dryer | $4 |
| Garage door opener | $4 |
| Garbage disposal | $4 |
| Microwave | $4 |
| Oven | $4 |
| Trash compactor | $4 |
| Deep freeze | $6 |
| Ice machine | $6 |
| Wine cooler | $6 |
| Dishwasher | $8 |
| Range | $8 |
| Refrigerator | $8 |
| Septic pump | $8 |
| Washer | $8 |
| Water heater | $8 |
| Well pump and tank | $8 |
| Pool heater | $12 |
| Pool pump | $12 |
| Septic tank | $20 |
| Furnace | $18 |
| Condensing unit | $18 |
| Evaporator coil | $18 |
| Boiler | $26 |
| AC mini split | $28 |
| Package unit | $28 |
| Split system AC/HP | $28 |
| High-end option | $28 |
Complete Protection Reviews
You can learn about a company’s customer service and reputation by reading trusted, third-party Complete Protection home warranty reviews. According to the Better Business Bureau (BBB), Complete Protection is an accredited business with an A+ rating. Though the company only has a few customer reviews on the BBB, you can look through at other sites such as Trustpilot and Google Reviews to better understand the company’s reputation.
How Does Complete Protection vs. Competitors Compare?
Though Complete Protection is a national home warranty company with several plans available, other top-rated home warranty providers may offer a better fit. Compare Complete Protection to two of our recommended picks below.
Compare Home Warranty Companies
| Provider | Complete Protection | American Home Shield | Choice Home Warranty |
|---|---|---|---|
| Plan options | Essential, Advanced, Comprehensive, Ultimate, and optional add-ons | ShieldSilver, ShieldGold, ShieldPlatinum, and optional add-ons | Total, Basic, and optional add-ons |
| Monthly cost | $49–$79 | $36–$100 | $60–$68 |
| Service call fee | $0 | $100–$125 | $100 |
| BBB rating | A+ | B | B |
Because plan pricing varies depending on where you live, the type of plan you choose, and the size of your home, we recommend getting quotes from a variety of providers to choose the best home warranty option.
American Home Shield is our preferred provider due to its extensive coverage options, including customizable plans that cater to various needs. With over 50 years in the industry, it offers reliable service and a strong reputation for customer satisfaction.
FAQs About Complete Protection Home Warranty
When does Complete Protection Home Warranty coverage begin?
When you sign up for coverage, there’s a 30-day waiting period before you’re able to file a claim. After those 30 days, the plan protects all covered appliances and systems in your contract.
Do I need a home inspection before enrolling in coverage?
In the company’s terms and conditions, they detail their right to request your home inspection report when applicable, but it doesn’t specify that it’s needed before enrolling.
What does the Complete Protection claims process look like?
When filing a claim with Complete Protection, policyholders have two options. They can either file a claim through phone or via their online customer portal.
Once the claim is received and processed, the company usually takes about 48 hours to send a service technician to your home. Additionally, if you choose your own technician you must first authorize the contractor through Complete Protection to receive reimbursement.
Is a home warranty different from homeowners insurance?
Yes, a home warranty covers systems and appliances that break down due to normal wear and tear while homeowners insurance covers structural damage to your home from fires, natural disasters, and theft.
Our Rating Methodology
We applied a detailed rating methodology to assess each home warranty company in this review. Our research process involved speaking with company representatives, gathering quotes, analyzing contracts, and running focus groups and homeowner surveys. We also tested 11 home warranty providers firsthand and conducted secret shopping.
Based on this information, we evaluated each provider across six key categories we considered most important for selecting a home warranty. Providers were rated on each factor and received a final score of 100 points, which we translated into a 5-star rating.
Here’s a breakdown of our weighted factors:
- Coverage: We considered each provider’s coverage comprehensiveness, including if plans cover both standard and unique items. Companies with broader coverage and higher limits received higher scores, while providers with long waiting periods or depreciation policies were penalized.
- Cost: We compared the average monthly premiums and service call fees, giving more points to providers with pricing at or below the industry average, without extra fees.
- Trustworthiness: We analyzed customer ratings on platforms like the BBB and Trustpilot, and checked for National Home Service Contract Association (NHSCA) membership. Providers with solid customer reviews and long workmanship guarantees scored the highest, while legal issues led to point deductions.
- Plan Transparency: We assessed the clarity and detail of providers’ contracts and policies. Those companies with transparent terms scored more points.
- Customer Support: Companies with fast response times, multiple claims filing options, and accessible customer service ranked higher.
- Flexibility: We gave more points to providers offering a wide range of plan options, large add-on catalogs, flexibility in technician choice, and easy cancellation policies.
