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Complete Care Home Warranty Review (2021)

Katy Ward

In a Nutshell

If you’re looking to protect the items in your home regardless of their age or make, Complete Care Home Warranty could prove an affordable option. With 3 plan types (Systems, Combo, and Appliances), it provides a 24/7 claims service and doesn’t require maintenance records for your items. Although it does offer lower payout caps than some of its competitors, this may not be an issue if the items in your home are not of particularly high value.

pros

  • No maintenance records required
  • Covers all makes/models
  • Covers older items

cons

  • Relatively low payout caps
  • App not available

Complete Care Home Warranty Complete Care Home Warranty Visit Site

Complete Care Home Warranty Plans - incl. table, Optional Coverage

You can choose between 3 plan types.

Covered item

Systems

Combo

Appliances


Best for protecting the systems your home depends on

Best for covering all essential items

Best for protecting popular appliances

Air conditioning system

Heating system

Electrical system

Plumbing system/stoppages

Water heater

Refrigerator

Clothes washer

Clothes dryer

Oven/range/stove

Cooktop

Built-in microwave oven

Dishwasher

Garbage disposal

Ductwork

Garage door opener

Ceiling and exhaust fans

Optional Add-Ons

Whichever plan you choose, you can add the following items:

  • Pool/spa
  • Additional spa
  • Limited roof leak
  • Central vacuum
  • Sump pump
  • Well pump
  • Septic system
  • Septic pumping
  • Second refrigerator
  • Standalone refrigerator
  • Water softener
  • Refrigerator ice maker
  • Freestanding ice maker
  • Additional A/C system
  • Additional heating system
  • Additional water heater
  • Additional garage door opener
  • Additional oven/range/stove
  • Clothes washer
  • Clothes dryer
  • A/C system
  • Heating system
  • Sprinkler system
  • Tankless water heater
Complete care home warranty three promises as shown on their website

Plan Exclusions

If you take out a plan, you won’t be covered against:

  • Malfunction or improper operation due to rust or corrosion
  • Collapsed ductwork
  • Known or unknown pre-existing conditions
  • Cosmetic defects
  • Routine maintenance
  • Restoration of wall coverings, floor coverings, countertops, or tilings following maintenance work
  • Ordinary wear and tear
  • Misuse or neglect
  • Noise without a mechanical cause
  • Chemical or sedentary build-up
  • Lightning strikes
  • Missing parts
  • Animal, pet, or pest damage
  • Power failure or surge
  • Acts of god
  • Structural and property damage
  • Flood, smoke, earthquake, freeze damage
  • Accidents
  • War/acts of terrorism
  • Riots/vandalism
  • Radiation or radioactive contamination
  • Mechanical failure resulting from mold, mildew, fungus, virus, mycotoxins
  • Condensation
Complete care home warranty main advantages as shown on their website

Complete Care Home Warranty Plan Pricing (Plan Pricing, Service Fees)

As Complete Care Home Warranty doesn’t provide prices online, we entered the details of a single-family home of less than 5,000 square feet with a Texas zip code into the website’s online quote tool, and received the following:

Plan type

Systems 

Combo

Appliances

Pay monthly

$43

$50

$43

Pay annually

$570

$650

(Discount: $450)

$570

If you choose to pay on an annual basis, you’ll receive 2 months of coverage for free. Whenever you make a service request, you’ll also pay a service call fee. In our case, we were quoted a $60 service fee.

We then repeated this process for a condo of less than 5,000 square feet with an Ohio zip code and received the same results.

Overall, we found these prices affordable and broadly in line with those offered by similar companies.

How to file a claim with Complete Care Home Warranty

If you need to make a service request, you can do so over the phone 24/7. Complete Care Home Warranty will typically contact a technician within 48 hours who will be in touch to arrange a home visit during normal business hours. If, however, your claim is an emergency, the provider may attempt to expedite your request.

Once your repairs have been completed, it will guarantee the work for 30 days. You can make an unlimited number of claims during the lifetime of your plan, although the provider will not arrange a service on your behalf if you are behind on the payments on your plan.

During the term of your contract, you’ll be covered for a maximum of $1,500 per item, with the following exceptions:

  • Repair of walls or ceilings to rough finish: $500
  • Plumbing system and stoppages: $500
  • Electrical system: $500
  • Water heater: $500
  • Ductwork: $500
  • Ceiling and exhaust fans: $300
  • Pool/spa equipment: $500
  • Limited roof leak: $500
  • Sump pump: $500
  • Well pump: $500
  • Septic system: $500
  • Septic tanking pumping: $200
  • Water softener: $500
  • Refrigerator ice maker: $200
  • Freestanding ice maker: $200

Is Complete Care Home Warranty Legit? 

Although Complete Care Home Warranty has been in business for just 2 years, it claims the contractors within its network have more than 30 years’ experience. While the provider is accredited by the Better Business Bureau, it has an average score of just 1.57 out of 5 on the site, which is worrying. It is important to note, however, that this score is based on just 7 customer reviews.

What’s Unique About Complete Care Home Warranty?

At the time of writing (August 2021), the provider is offering a $100 discount on all plans and free roofing coverage for new customers. Unlike some of its competitors, Complete Care Home Warranty will cover all eligible appliances regardless of age, make, or model. The provider will also cover you if you rent your property and will make an effort to expedite repairs in the event of an emergency: neither of these services is offered by all competitors.

Help and Support

If you’d like to make a claim, you can contact the company over the phone 24/7. Alternatively, you can get in touch via an online query form on its website.

When we ran a quote on the provider’s website, we received an email from a company representative offering to arrange a call to discuss our options. After replying to this, we received a polite and detailed response within 2 hours.

The provider also has an FAQ section on its website, which provided us with the information we needed. Unlike with some competitors, however, there is no blog.

What about the Complete Care Home Warranty app?

The provider doesn’t currently offer an app.

How to Get Started with Complete Care Home Warranty

If you’d like to receive a quote, you’ll need to provide information such as:

  • Your name
  • Your contact details
  • Address and zip code
  • Your property type
  • Your property’s square footage

Unlike some of its competitors, Complete Care Home Warranty

doesn’t require you to provide maintenance records or submit to a home inspection before you take out a plan.

We found the process of obtaining a quote completely hassle free and all pricing information was displayed in clear, easy-to-understand tables.

How Complete Care Home Warranty Compares to Other Home Warranty Services

When we compared the provider against the rest of the market, we found its premium costs slightly lower than the industry average. It does not, however, allow customers to make claims online, unlike some of its competitors.


Select Home Warranty

Global Home Protection

AHW Home Warranty

Average annual premium

$404.99-$756 

$299-$699

$504-$696

Contractors

10,000 in-network

40,000 in-network

40,000+ in-network

Service call fee

$60-$75

From $45

$75

Service requests

24/7 online and by phone

24/7 online and by phone

24/7 by phone

Complete Care Home Warranty vs Select Home Warranty

When compared against industry averages, both providers are extremely competitive on premium prices. Select tends to offer cheaper prices at the lower end of the spectrum ($404.99 vs $450), while Complete Care is more affordable for those requiring extensive coverage ($570 vs $756). In terms of contractor availability, Select may be preferable for those who would rather make their claims digitally as it allows customers to make claims both online and over the phone, whereas Complete Care’s service is phone-only. One of the most attractive features we found with Select is that it offers free roof coverage on all plans.

Complete Care Home Warranty vs Global Home Protection

Based on offers we obtained, Global Home Protection is easily among the cheapest providers in the market for its lower-priced policies, with plans available from just £299. Although this easily beats Complete Care, Global Home Protection’s more comprehensive policies are, in fact, more expensive than those of its rival ($699 vs $570). Be aware, however, Global also offers a month of free coverage on new policies, which you’ll need to factor in when choosing a provider. While Global Home Protection offers an online and phone claims service, Complete Care operates on a phone-only basis. Tech-savvy customers may also wish to note that neither provider offers an app.

Complete Care Home Warranty vs AHW Home Warranty

In terms of premium costs, Complete Care Home Warranty is easily the winner based on the quotes we obtained — $450-$570 vs $504-$696, although AHW redeems itself with the offer of 30 days’ free coverage for new customers. Although Complete Care doesn’t specify the number of contractors in its network, AHW works with more than 40,000 tradespeople, which is among the highest in the industry. If customer service is your top priority, you should note that, although we were satisfied with the response we had from Complete Care, we did not receive a response from AHW when we tested the service.

Complete Care Home Warranty Complete Care Home Warranty Visit Site

The Bottom Line

If you’d struggle to meet the cost of replacing one of the systems or appliances in your home, Complete Care Home Warranty has several attractive features. As well as a 24/7 service claims hotline, it may expedite claims in the event of an emergency. The most significant drawback we identified is the relatively low payout limits offered on certain items, although this may not be an issue if the items in your home are relatively inexpensive. 

Frequently Asked Questions
When does Complete Care Home Warranty coverage begin?
-
+
Your coverage will begin 30 days after the acceptance of your application and receipt of your fees. It will then continue for 365 days.
How much does Complete Care Home Warranty cost?
-
+
The cost of your plan will depend on factors such as your home’s type and location. You can receive a quote tailored towards your needs by entering your details into the provider’s website.
Does Complete Care Home Warranty offer service in Alaska?
-
+
The service is available in all 50 states.
Oxford graduate Katy Ward is a seasoned journalist and editor covering personal finance and software topics for Eleven Writing and Top10. Over a 15-year career, Katy has worked with several finance titans, including Barclays, Tandem Bank, and Yahoo! Finance.

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