TotalProtect Residence Guarantee Evaluate (2025)

TotalProtect Residence Guarantee, now a part of Cinch Residence Providers, provides easy protection with nationwide availability, 24/7 service, and a beneficiant 180-day workmanship assure.

Learn the evaluate under for data on the previous firm, or discover our Cinch Residence Providers evaluate to study its new companies.

Its Combo Plan covers extra programs and home equipment than most rivals and begins at $58.95 per thirty days (plus a $100 service payment per declare). Which means you’ll sometimes spend round $800–$900 per 12 months, relying on add-ons — a good worth for owners who need predictable restore prices.

So, is it price it? When you’re coping with ageing home equipment or HVAC programs, a plan like this may also help you keep away from shock payments. For instance, a typical central AC restore might run $300–$1,200 out of pocket, whereas full replacements can exceed $5,000. TotalProtect’s protection caps (as much as $3,000 per equipment) and 0 mixture limits throughout claims make it a powerful choose for households with a number of older programs.

That mentioned, buyer satisfaction is combined. Whereas some reward the short scheduling and clear on-line claims course of, others report contractor no-shows and lengthy maintain occasions.

On this evaluate, we’ll break down TotalProtect’s protection, pricing, and the way it stacks as much as rivals. You’ll additionally get real-world execs, cons, and suggestions that can assist you determine if this house guarantee is the fitting match.

Our Most well-liked Residence Guarantee Options

As we speak’s Home-owner recommends just a few house guarantee firms to our readers. Under, you’ll see our newest ideas and their money-saving offers. You may also learn our evaluate of the businesses with comparable house guarantee plans to be taught extra about these prime picks.

Alternative Residence Guarantee

American Residence Protect

Liberty Residence Guard

Firm Professionals and Cons

This part covers TotalProtect Residence Guarantee’s high-level execs and cons. Preserve these factors in thoughts as you learn the remainder of the evaluate.

TotalProtect Residence Guarantee Plans, Protection, and Price

TotalProtect, now working beneath Cinch Residence Providers, provides three easy plans: Home equipment, Methods, and a Combo Plan that bundles each. Every plan contains non-compulsory add-ons and comes with a normal $100 service payment per declare, although you possibly can select a decrease service payment in change for the next month-to-month fee.

Right here’s how pricing breaks down:

Non-compulsory add-ons can be found for $5–$20 per thirty days, relying on the merchandise. Common choices embrace:

• Swimming pools and spas
• Effectively pumps and water softeners
• Septic programs
• Standalone freezers
• Exterior plumbing strains

When you pay yearly, you could get one month free or a rebate of as much as $100.

Add-On Improve: Premier Improve Bundle

This non-compulsory improve provides additional protection for bills most plans exclude — like permits, code upgrades, gear disposal, and ductwork modifications. You’ll rise up to $500–$1,000 per declare for these “behind-the-scenes” prices that may actually add up throughout main repairs.

Value of TotalProtect vs. Opponents

This graph represents the month-to-month premium clients would pay beneath TotalProtect’s most simple plan towards what they’d pay for competitor plans. Be aware: these costs don’t embrace the service payment quantity.

Particulars for Prime TotalProtect Methods and Home equipment

At As we speak’s Home-owner, we’re devoted to offering the data readers need probably the most. With that in thoughts, our crew surveyed 1,000 owners within the U.S. and requested them which programs and home equipment had been most dear to them.

The information exhibits that a very powerful programs and home equipment for owners are: electrical, plumbing, air con, fridges, washer/dryer combos, and the oven/range/vary.

Right here’s what protection for these programs and home equipment seems like with a TotalProtect house guarantee:

Fridge

Fridges are lined beneath the Home equipment Plan and the Combo Plan as much as $3,000 per time period. Lined beneath which might be: digital elements, the compressor, condenser, evaporator, hinges, motors, energy cords, inside wiring, ice maker and ice and water dispensers which might be constructed into the fridge. Issues not lined: water provide strains, doorways, door seals, drawers, cabinets, knobs, handles, mild bulbs, and stand-alone freezers. 

Oven/range/vary

Like fridges, stoves, ranges, and wall ovens are lined as much as $3,000 per time period. That features clock timer, heating components/burners, switches, relays, touchpads, energy cords, digital elements, inside wiring, gasoline valves, and ignitor and pilot assemblies. Not lined are doorways, handles, latches, and door glass. These home equipment are lined beneath the Home equipment and Combo Plan. 

Garments washer and dryer

Parts lined for washers are: automated cleaning soap and rinse dispensers, washer tubs and agitators, latch assemblies, belts, compressor, condensers, management timers, hinges, inside wiring, energy cords, motors, water valves, and pumps. Not lined are: doorways, handles, knobs, and injury to clothes. Washers are lined as much as $3,000.

For dryers, heating components, drums, drum rollers, energy cords, hinges, gasoline valves, motors, and digital elements are lined as much as $3,000 per time period. Filters and screens, doorways, handles, knobs, injury to clothes, venting, and rollers aside from garments dryer drum rollers should not lined.

Electrical

Lined beneath electrical are customary mechanical elements or elements situated throughout the perimeter of the outer load-bearing partitions. This may embrace ceiling fan motors and controls (however doesn’t embrace transmitters and remotes), attic or entire home exhaust followers, door bells and chimes, inside customary mild switches, smoke detectors, primary breaker or fuse panel/field, and basic line voltage wiring. 

Not lined beneath a plan are toilet exhaust followers, DC wiring and programs, exterior wiring and elements, wiring of elements in a indifferent construction, hearth or carbon monoxide alarm/detection programs, batteries, intercom or speaker programs, failures brought on by insufficient wiring capability, circuit overload, energy surge, corrosion brought on by moisture, and extra. 

Plumbing

The next objects are lined beneath plumbing: mechanical elements and elements of rubbish disposals, inside hose bibs, level of service water system/instahot, strain regulating gadgets, bathe and tub valves, bathroom tanks, bowls, and bathroom mechanisms inside the bathroom tank. Clearing plumbing stoppages is roofed as effectively with some restrictions. The corporate’s pattern contract has extra specifics. Not lined beneath plumbing is figure beneath the bottom, within the basis or slab, and any plumbing outdoors the perimeter of the inspiration. Verify the pattern contract for extra plumbing exclusions. 

Air-con

TotalProtect is particular in what they cowl and what they don’t cowl of their pattern contract relating to air con. The air conditioner have to be a most of 5 tons, residential, and centrally ducted. Lined beneath that’s accessible ductwork, the air handler, blower fan motors, capacitors, compressors, condensers and condenser fan motors, fan blades, inside wiring, refrigerant, and extra. 

Not lined are issues like condensate pumps and contours, any ductwork or piping that has asbestos, ductwork insulation, and extra. Their service contract goes into element.

Protection Phrases and Limits

TotalProtect contracts run for one 12 months, with automated renewal until you cancel. There’s a 30-day ready interval earlier than protection kicks in, so you possibly can’t use the plan for pre-existing points.

When you’re shopping for a brand new house, some actual property plans could begin protection proper at closing — be certain to make clear this together with your rep.

Protection Caps

Most lined objects have per-item limits, however no complete cap throughout the 12 months — that’s a giant plus in case you have a number of breakdowns in the identical 12 months.

• Home equipment: Capped at $3,000 per merchandise per 12 months (contains washer, dryer, fridge, oven, and so on.)
• HVAC Methods: Normally capped at $1,500 per unit
• Add-ons (like swimming pools or septic): Limits range — verify your pattern contract for actual quantities

Essential: There’s no “mixture cap,” which suggests you’re not caught with a set max payout throughout all claims. That’s uncommon on this business and may very well be price tons of — and even 1000’s — in case you have a number of main failures in a 12 months.

Alternative Residence Guarantee

American Residence Protect

Liberty Residence Guard

The place Is TotalProtect Obtainable?

TotalProtect provides nationwide service, a particular plus for this firm, as not all house guarantee suppliers have protection in all states. 

Alternative Residence Guarantee

American Residence Protect

Liberty Residence Guard

What Others Are Saying About TotalProtect

Buyer suggestions on TotalProtect (now Cinch Residence Providers) is combined — some owners have clean claims and responsive service, whereas others describe delays, communication breakdowns, and no-show contractors. Like most house guarantee firms, your expertise usually will depend on your location and the third-party contractor assigned to your declare.

We’ve gathered opinions from main platforms that can assist you get a clearer image. Right here’s how TotalProtect stacks up towards the business common:

Most unfavorable opinions cite missed appointments, contractor points, and poor follow-through. Nevertheless, there are additionally a number of owners who had fast repairs and constructive outcomes.

“I used to be pleasantly stunned on the effectivity and a spotlight given for the warranted restore of my fridge. Elements needed to be ordered and I each day acquired textual content messages.”
— Barbara M, 5 stars

Not all clients are as happy. Many level to unreliable contractors and poor communication as recurring points.

“They rescheduled it seven occasions… didn’t name to reschedule, I discovered the exhausting means when nobody confirmed up.”
— Jennifer D, 03/14/2025

“I’ve spent hours on the telephone… missed three days of labor and nonetheless haven’t any warmth… That is merely negligent.”
— Mary M, 12/05/2024

That mentioned, there are long-time clients who’ve had a constantly good expertise and see worth within the protection.

“It’s fairly costly when stuff breaks, so I’d quite get a guaranty and pay $125 than $4,000. And TotalProtect appeared to cowl extra stuff in comparison with different locations. I normally log on to submit a declare with them and their web site is fairly easy to navigate. Then, the contractor known as me that afternoon and he got here the subsequent day. It was nice coping with him. Having this guarantee could be very precious for me and I’ll inform my associates to verify TotalProtect out.”
— Travas, Augusta, GA

“We first heard about TotalProtect Residence Guarantee by a pal and we’ve been with the corporate for over 10 years now. Most lately, our water heater ruptured and wanted it changed. My spouse took care of that declare and it went very easily for her. We received emails holding us up to date and the 2 technicians that put in the brand new heater had been very good. I might suggest TotalProtect, no query.”
— Lyndon, Greensboro, NC

As with every house guarantee, the bottom line is to go in with lifelike expectations. Know what’s lined, learn the nice print, and be proactive if communication breaks down.

Remaining Ideas

TotalProtect is an efficient match if:

• You need nationwide protection and 24/7 claims entry.
• You’re searching for a decrease month-to-month price and don’t thoughts the next service payment.
• You need broad protection for each programs and home equipment — not simply the fundamentals.

It might not be best for you if:

• You like top-tier customer support with sooner response occasions.
• You’d quite pay the next premium to keep away from out-of-pocket service charges.

Total, we give TotalProtect a 4.25 out of 5. It’s a reliable plan with wonderful protection worth — simply be prepared to remain proactive through the claims course of.

Alternative Residence Guarantee

American Residence Protect

Liberty Residence Guard

Methodology

At As we speak’s Home-owner, transparency and belief are our most vital values for the reader. That’s why we took the time to create an goal ranking system and rating every house guarantee supplier in response to our methodology. Our crew spent hours on the telephone talking to representatives from every house guarantee firm to get data proper from the supply.

Our ranking system entails a weighted, 100-point scale that scores house guarantee firms on plans provided, protection, state availability, price, trustworthiness, customer support, and distinctive advantages.

For extra particulars, try our affiliate disclosure and ranking methodology.