EverythingBreaks Assessment (2025) | Right now’s House owner

In the event you’re contemplating EverythingBreaks for residence guarantee protection, right here’s what it’s worthwhile to know upfront: This firm presents budget-friendly plans beginning round $150 per 12 months, with full protection choices topping out round $700–$780 yearly. Whereas it’s cheaper than most nationwide suppliers, there are a couple of purple flags value wanting into earlier than you join.

EverythingBreaks stands out for its electronics safety — providing protection for telephones, laptops, TVs, and small home equipment — one thing most rivals don’t embrace. It additionally will get credit score free of charge re-service if a restore fails, emergency restore availability, and a $0 cancellation payment. However not every thing is clean crusing. Prospects report delayed repairs, complicated contract phrases, and poor communication, particularly relating to declare denials or payout delays.

On this overview, we break down EverythingBreaks’ plan choices, prices, and tremendous print. You’ll additionally see the way it compares to prime residence guarantee suppliers like American House Protect and Selection House Guarantee, so you may resolve whether or not it’s definitely worth the threat — or higher to go along with a extra established identify.

Our Most well-liked House Guarantee Alternate options

Right now’s House owner recommends a couple of residence guarantee corporations to our readers. Beneath, you’ll see our newest ideas and their money-saving offers. You can even learn our overview of the businesses with related residence guarantee plans to be taught extra about these prime picks.

Firm Execs and Cons

Listed here are some high-level professionals and cons for EverythingBreaks:

Trustworthiness

On this a part of the overview, we are going to enable you resolve if this firm deserves your cash and your belief. For this, we studied the corporate’s official web site and EverythingBreaks opinions on the BBB.

Authorized

Purchasers of EverythingBreaks House Guarantee really signal the service contract with 4Warranty Company, and EverythingBreaks is just a contract vendor. EverythingBreaks belongs to Matrix Guarantee Options, Inc.

EverythingBreaks House Guarantee has been offering residence guarantee providers to its clients since 2006. The corporate is headquartered in Texas however supplies providers all throughout the USA, together with California, Texas, Florida, Virginia, and Ohio, so you might have service out there wherever you might be. TotalProtect House Guarantee and AFC House Guarantee additionally serve owners all through the nation.

In case you aren’t happy with the corporate’s service, your dispute will probably be construed and enforced underneath Texas state regulation.

Accessibility

One other good indicator of EverythingBreaks’ trustworthiness is how accessible it’s to its purchasers. To file a declare or get a free quote, chances are you’ll contact EverythingBreaks House Guarantee on-line through the contact kind or by telephone, whichever works greatest for you. On-line chat is on the market as properly and the corporate is broadly offered in social networks together with X, YouTube, Instagram, and Fb. 

Fame

EverythingBreaks House Guarantee’s BBB score is A, which is a robust indicator of the corporate’s trustworthiness.

Protection

EverythingBreaks presents 5 protection plans, starting from tech-only safety to full residence protection. Right here’s a breakdown of what you get — and what it’ll price.

1. Know-how Safety Plan

• What it covers: Telephones, tablets, laptops, printers, cameras, MP3 gamers, automotive audio/video, and radar detectors.
• Price: $15.88/month or $149.88/12 months
• Good for: Renters or owners who simply need machine safety.

2. Electronics Plan

• What it covers: Every little thing within the Know-how Plan, plus TVs, residence audio, and small kitchen home equipment (like blenders, espresso makers, and vacuums).
• Deductible: $100 for display screen or water harm; $25 for different claims.
• Price: Not listed, however count on it to be barely greater than the tech plan.

3. Beginning 5 Equipment Worth Bundle

• What it covers: Any 5 home equipment you select, together with washer, dryer, fridge, dishwasher, oven, and extra.
• Price: $24.88/month
• Good for: Householders who solely need partial equipment protection.

4. House Safety Plan

• What it covers: 17 home equipment + your selection of 4 main methods (like HVAC, plumbing, electrical, or water heater).
• Price: $528.88/12 months
• Deductible: $75 per service name
• Common trade worth for related protection: $615/12 months

5. Whole House Safety Plan

• What it covers: Every little thing — electronics, home equipment, methods, and tech units.
• Price: $699.88/12 months
• Comparable trade plans: ~$733/12 months

Optionally available Add-Ons

You’ll be able to increase your plan with extras like:

• In-ground pool or spa
• Roof leaks
• Septic system or properly pump
• Sprinklers, sump pump, water softener
• Wine fridge, humidifier, vacuum

Protection Limits

• Home equipment and methods: As much as $3,000 complete
• Electronics: Additionally capped at $3,000 complete
• Bear in mind: It is a mixed restrict, not per merchandise.

EverythingBreaks presents versatile, mix-and-match plans that allow you to bundle solely what you want. In the event you’re primarily involved with electronics and small home equipment, it might be an economical selection. However if you happen to’re on the lookout for sturdy, hassle-free safety in your HVAC or plumbing methods, chances are you’ll wish to examine it to larger suppliers like American House Protect or Liberty House Guard, which have a tendency to supply extra constant service.

Abstract of Plans and Protection

Beneath is a abstract of the protection Every little thing Breaks presents for numerous residence methods and home equipment.

Air Conditioning 

Protection for the air-con system is restricted to a unit as much as a 5-ton capability that’s designed for residential use. EverythingBreaks House Guarantee covers mechanical elements and elements of 1 centrally ducted air-con system. The capacitors, compressors, evaporator coils, relays, and thermostats are lined by the corporate. The protection restrict for the A/C system is $3,000. 

Heating System

EverythingBreaks covers items which might be as much as 5-ton capability and designed for residential use. The corporate can even cowl mechanical elements and elements of 1 system, so long as that system serves as the first supplier of warmth for the dwelling. The protection contains the warmth/cool thermostats, heating parts, inside system controls, wiring, relays, and so forth.

Plumbing System

Plumbing system protection by EverythingBreaks House Guarantee contains breaks and leaks on uncovered water, fuel, and drain traces throughout the perimeter of the primary dwelling. A licensed restore technician will clear all drain and waste line stoppages which could be cleared with 100 ft of sewer cable.

Electrical System

EverythingBreaks presents protection for the usual mechanical elements or elements positioned throughout the perimeter of the outer load, inside commonplace gentle switches, retailers, junction bins, and basic line voltage wiring.

House Home equipment

All elements and elements necessary to the performance of residence home equipment are lined by this firm. Rollers, racks, inside lining, clocks, lights, cabinets, and filters usually are not included on this listing.

The Wonderful Print

House guarantee contracts are stuffed with small particulars that may make an enormous distinction. Right here’s what stands out about EverythingBreaks — the great, the dangerous, and what to look at for.

The transparency of the phrases and situations of any residence guarantee firm signifies how reliable it’s. On this a part of the EverythingBreaks overview, you can find a abstract of our analysis evaluating the corporate to the trade requirements in addition to to its rivals.

After signing a contract, your protection begins in 30 days which is pretty commonplace for the trade. Corporations equivalent to Landmark House Guarantee, HomeServe USA, First American House Guarantee, and Whole House Safety additionally all have insurance policies which might be efficient 30 days after buy.

In the event you change your thoughts or are dissatisfied with the providers supplied by the corporate, you may cancel your dedication with a refund throughout the first 30 days of service, which is longer than nearly all of the businesses permit. After this era, EverythingBreaks presents free cancellations to their clients. BFS House Guarantee, 2-10 House Patrons Guarantee, and IGS House Guarantee have a $0 cancellation payment as properly.

The utmost time to submit a declare is three days, which is pretty beneficiant for the trade. If you’re shopping for or promoting a home, you may switch your property guarantee, which can price you $40 at EverythingBreaks; the trade common is $25.

The corporate’s representatives can be found across the clock. Like most related suppliers, Every little thing Breaks presents emergency service. The contractor service at EverythingBreaks House Guarantee is often supplied inside 2 enterprise days of the request for non-emergencies.

There may be re-service if repairs fail, which is a typical for the trade. The re-service interval for elements of ninety days is under the market common, although the time interval for labor is just thirty days and is on the trade minimal. 

In contrast to most corporations within the trade, EverythingBreaks doesn’t provide an computerized coverage renewal. So take note of the expiration date of your guarantee and renew it on time if you wish to proceed to make use of their providers.

EverythingBreaks presents stable flexibility relating to cancellations and emergency service, however their reservice timelines fall brief in comparison with prime rivals. And whereas the no-renewal coverage is likely to be a plus for some, don’t neglect to set a reminder earlier than your plan expires.

Buyer Suggestions

Buyer opinions for EverythingBreaks are combined — some reward the affordability and electronics protection, whereas others report declare denials, poor service, and lengthy delays. Right here’s what stood out from our evaluation of opinions on shopper websites equivalent to BBB, SiteJabber, and Fb.

Optimistic Evaluations: What Prospects Preferred

Useful Gross sales Reps (18%)
Prospects appreciated reps who defined protection clearly and didn’t use persistent gross sales techniques.

“Jess defined every thing in a really thorough method… extra of a marketing consultant than a salesman.”

Quick Electronics Claims (5%)
Fast turnaround for telephone and pill claims — usually inside a day.

“We had a declare for a cellular phone display screen… fastened by the subsequent morning. No issues.”

Reasonably priced Bundles (7%)
Customers favored the power to bundle residence and auto warranties at a decrease price.

“Very sensible and inexpensive for my car and residential.”

Destructive Evaluations: Frequent Complaints

Denied Claims & Exclusions (48%)
Almost half of the adverse suggestions centered on declare denials — usually after preliminary approval or on account of tremendous print exclusions.

“They denied the declare… took my cash and made it practically inconceivable to make use of the service.”

Poor Communication & Lengthy Waits (22%)
Prospects and repair suppliers reported delays, unreturned calls, and impolite reps.

“They permitted the automotive restore, however three months later we nonetheless haven’t been paid.”

EverythingBreaks could also be an honest low-cost possibility if you happen to’re primarily on the lookout for electronics protection and don’t thoughts doing a little legwork. However if you happen to’re hoping for seamless residence system repairs and clean claims dealing with, the monitor report right here is hit and miss.

If you’d like peace of thoughts and sooner, extra dependable service, chances are you’ll be higher off with suppliers like American House Protect or Liberty House Guard — each of which persistently earn greater buyer satisfaction scores.

Is EverythingBreaks a Good Selection?

EverythingBreaks is among the few residence guarantee suppliers that features electronics protection — like telephones, tablets, TVs, and even automotive electronics — alongside conventional residence methods and home equipment. Its plans are inexpensive, and the corporate earns factors for $0 cancellation charges, no auto-renewal, and emergency restore availability.

However there are trade-offs. Declare denials, sluggish payouts, and poor communication present up usually in buyer opinions. Whereas the corporate has an A score with the BBB, real-world suggestions tells a extra combined story.

In the event you’re primarily seeking to shield devices or bundle minimal equipment protection for a low month-to-month worth, EverythingBreaks is likely to be value a shot — simply go in together with your eyes open and skim the contract fastidiously. However if you happen to’re after dependable, worry-free safety for main methods like HVAC or plumbing, you’re doubtless higher off with extra established suppliers like American House Protect, Selection House Guarantee, or Liberty House Guard.