Overview

ServicePlus Home Warranty is a home warranty company based in Edison, New Jersey, offering service contracts that help cover the cost of repairing or replacing major home systems and appliances when they break down from normal wear and tear. The company keeps its plan lineup simple, with two tiers to choose from. The Gold Select plan covers core systems like plumbing, electrical, the water heater, and kitchen appliances such as the oven, dishwasher, and garbage disposal. The Platinum Select plan builds on Gold by adding the big-ticket items homeowners worry about most: the A/C system, heating system, washer, dryer, and refrigerator. For homes with extras that fall outside the standard plans, ServicePlus offers a long menu of optional add-ons, covering everything from pools and spas to septic systems, well pumps, and extra appliances, so coverage can be tailored to the property rather than a one-size-fits-all package. Pricing isn't published on the site; instead, homeowners get a custom quote based on their state, plan tier, and chosen add-ons. Claims go through a 24/7 hotline or online account, and ServicePlus dispatches a local, licensed contractor from its network to diagnose and resolve the issue, with a deductible due at the time of service.

Word on the Street

Independent reviews of ServicePlus paint a mixed picture. On the positive side, the company has picked up Best In Service recognition from HomeWarrantyReviews.com in 2021, 2022, and 2024, along with a 2023 Editor's Choice Award, and its own site features testimonials praising friendly, patient customer service reps who walk homeowners through claims. On the Better Business Bureau, though, ServicePlus is not an accredited business and carries a B- rating, with several hundred complaints logged in BBB's most recent reporting period. The complaints that come up most often center on delayed reimbursement checks, taking longer than the 6 to 8 weeks the company quotes, and frustration over claims that were denied or only partially covered. Customers who are satisfied tend to highlight quick contractor dispatch and helpful phone support, while unhappy customers tend to point to the fine print, exclusions, deductibles, and depreciated cash-back payouts catching them off guard. As with most home warranty companies, the takeaway is to read your service agreement closely before you sign, understand what's excluded, and keep records of your home's maintenance in case you ever need to back up a claim.

Bottom Line

ServicePlus offers a simple two-plan structure, wide-ranging add-ons, and round-the-clock claims support, which suits homeowners who want predictable coverage without complexity. Just budget for the 30-day waiting period and depreciated cash-back payouts, and weigh the mixed BBB feedback against the site's awards before you commit to a plan.

FAQs about Home Warranty

Home warranties can feel confusing if you've never had one, so here are quick answers to the questions homeowners ask most: what these contracts actually cover, how the claims process works, who benefits most from one, and how a home warranty differs from your homeowners insurance policy.

What is a home warranty?

A home warranty is an annual service contract, not an insurance policy, that helps cover the cost of repairing or replacing major home systems and appliances when they break down from ordinary wear and tear. Instead of paying full price out of pocket for a failed water heater or air conditioner, a homeowner with a warranty pays a small deductible, and the warranty company sends a contractor to diagnose and fix the problem, or replace it if it can't be repaired. Coverage, exclusions, and dollar limits vary by provider and plan, so it's worth comparing a few companies before choosing one.

How do they work?

Home warranties work on a simple cycle. You choose a plan, pay an annual or monthly premium, and after a short waiting period, often 30 days, you can start filing claims. When a covered item breaks down, you contact the warranty company by phone or online, and they dispatch a contractor from their network to inspect it. You pay a deductible, called a trade service call fee, at the time of the visit. If the contractor can repair the item, they will; if not, the company typically replaces it, or in some cases offers a cash settlement based on the item's value instead.

What appliances do home warranties cover?

Coverage depends on the plan you choose, but most home warranty companies split appliances and systems into tiers. Base plans typically include kitchen appliances like the oven, range, dishwasher, and garbage disposal, along with core systems such as plumbing, electrical, and the water heater. Higher tiers usually add the appliances that are the most expensive to replace: the refrigerator, clothes washer and dryer, and HVAC systems like the air conditioner and furnace. Many providers also let you add optional coverage for extras such as pools, spas, septic systems, well pumps, or a second refrigerator, so you can tailor a plan to your home.

Why would you need a home warranty?

A home warranty gives you a predictable, budgeted way to handle the appliance and system breakdowns that are almost guaranteed to happen in any home over time. Rather than facing a surprise bill for a broken furnace or water heater, you pay a known deductible and let the warranty company find and pay a qualified contractor for you. That can be especially useful if you're not confident vetting repair professionals yourself, if your appliances are aging out of their manufacturer warranties, or if you'd simply rather have one phone number to call when something breaks instead of researching a repair company from scratch.

What's the difference between a home warranty and home insurance?

Home insurance and home warranties cover different risks. Homeowners insurance protects your house and belongings against sudden, accidental events like fire, storms, theft, or a burst pipe causing water damage, and it's typically required by mortgage lenders. A home warranty, by contrast, covers the mechanical breakdown of specific systems and appliances due to normal wear and tear, like an air conditioner that finally gives out after years of use, something insurance generally won't touch. Many homeowners carry both: insurance for the structure and unexpected disasters, and a home warranty for the everyday breakdowns that come with owning a home long-term.

Who are home warranties for?

Home warranties tend to appeal to a few kinds of homeowners in particular: first-time buyers who don't yet have relationships with local repair contractors, owners of older homes where appliances and systems are more likely to fail, and anyone who values predictable costs over the risk of a large surprise repair bill. They're also common in real estate transactions, where sellers offer a home warranty to reassure buyers about older systems, or buyers ask for one as part of negotiations. Homeowners who are handy, have new appliances still under manufacturer warranty, or prefer to choose and pay their own contractors directly may get less value from one.

Disclaimer:

AI was used in the creation of this content, along with human validation and proofreading.