Elite Home Warranty offers three service plans: Elite Complete, Elite Appliances, and Elite Systems. There are several optional add-ons, and you’re free to create your own plan with customized coverage limits for specific appliances and systems. All plans include up to $7,000 per year in coverage, but you can pay for additional coverage.
Here’s a breakdown of what’s covered by the three main plans:
| Elite Complete Best for comprehensive coverage | Elite Appliances Best for kitchen appliances | Elite Systems Best for heating and AC | |
|---|---|---|---|
| Refrigerator/freezer | |||
| Range/oven/cooktop | |||
| Dishwasher | |||
| Garbage disposal | |||
| Built-in microwave | |||
| Washer/dryer | |||
| Air conditioning | |||
| Heating | |||
| Plumbing | |||
| Electrical | |||
| Water heater | |||
| Ceiling fans | |||
| Garage door |
Elite Home Warranty has a number of add-on packages that you can purchase with any of the company’s primary warranty plans. These include coverage for limited roof leak repair, as well as the following exterior equipment and systems:
Inside your home, optional add-on coverage is available for:
Elite Home Warranty does not cover damage to the exterior of your home. The only exception is that limited roof patching repairs may be covered up to $1,000 with the Elite Complete plan or add-on roof leak coverage.
Elite Home Warranty sets out annual coverage limits for each appliance and home system in your contract. Unless you specifically request a higher coverage limit, all plans include a maximum of $7,000 in annual coverage across all repairs.
Your Elite Home Warranty contract also specifies types of repairs that are excluded from coverage for each appliance and home system. Routine maintenance is never covered, nor is damage due to fire, flooding, or accidental damage.
Elite Home Warranty is unique in allowing customers to build custom warranty policies. You can choose one of the company’s standard plans and combine it with optional add-on coverage, or simply pick and choose which appliances and systems you want to cover.
You also get to choose your annual coverage limit and your service copay—or can even choose to eliminate your service copay altogether. Note that $0 copays come with a higher monthly premium, however.
Elite Home Warranty also stands out for letting homeowners choose their own service technician. Some other warranty companies also allow this, but many do not.
Elite Home Warranty is accredited with the Better Business Bureau and has an A+ rating from the agency. The company also has a 4.8-star rating on Trustpilot and a 4.9-star rating on Google. Customer reviews about Elite Home Warranty are overall very positive.
You can get started with Elite Home Warranty by calling the company for a free quote. There is no online signup. Overall, the signup process is fairly quick—it takes around 20 minutes to get your completed contract.
You’ll need to provide information about your home, including the ages of your major appliances if you know them. Elite Home Warranty does not require an inspection of your home.
Note that Elite Home Warranty is not available in every state. Homeowners in California, Florida, Illinois, Texas, Washington, and Wisconsin are not eligible.
You must file a claim as soon as reasonably possible when an appliance or system breaks down. You can do this online, over the phone, or through the Elite Home Warranty app.
Elite Home Warranty typically schedules a repair visit from a licensed and bonded technician within 24-48 hours of your claim. You’ll need to pay your copay when you file a claim, but do not need to pay anything during the service visit. Elite Home Warranty guarantees workmanship for 30 days, so you won’t need to pay another copay for a follow-up visit related to the same issue within that timespan.
You can also choose your own service technician for any repair, but Elite’s 30-day workmanship guarantee will not apply. The technician must be approved by Elite Home Warranty prior to service.
The maximum payout is $1,000-$3,000 for most major appliances and systems. The maximum annual coverage for all plans is $7,000 unless you request a higher coverage limit.
Elite Home Warranty’s customer service and claims teams are available 24/7 by phone and email. When filing a claim, you can expect Elite Home Warranty to dispatch a technician to your home in 24-48 hours.
The company’s website offers sample contracts and detailed FAQs pages.
Elite Home Warranty’s customer service and claims teams are available 24/7 by phone and email. When filing a claim, you can expect Elite Home Warranty to dispatch a technician to your home in 24-48 hours.
The company’s website offers sample contracts and detailed FAQs pages.
Elite Home Warranty offers a free mobile app for iOS and Android. It can be used to file a claim and pay your service copay. You can also access your contract through the app to see what types of repairs are covered.
Elite Home Warranty plans are relatively affordable compared to the competition. The Elite Complete plan protects most home appliances and systems and starts at just $54.99 per month. The Elite Appliances and Elite Systems plans start at $41.99 and $44.99 per month, respectively.
| Elite Complete | Elite Appliances | Elite Systems | |
|---|---|---|---|
Starts from | $54.99/month | $41.99/month | $44.99/month |
Plan pricing will vary based on the size, age, and location of your home. Pricing also varies based on your service copay. You can choose a copay of $0, $70, $110, or $130 per service visit.
You can also build custom warranty plans that include only selected appliances or systems. You’ll need to contact Elite Home Warranty for a free quote.
| Elite Home Warranty | Home Warranty of America | Cinch Home Services | First Premier | |
|---|---|---|---|---|
Average annual premium | $500-$650 | $350-$600 | $540-$750 | $400-$500 |
Contractors | Nationwide network or choose your own | Nationwide network | Nationwide network of 40,000 contractors | Nationwide network |
Service call fee | $0-$130 | From $75 | $100-$150 | $60-$75 |
Service requests | 24/7 | 24/7 | 24/7 | 24/7 |
Elite Home Warranty is competitive with Home Warranty of America on price, but the former offers more value for money. Home Warranty of America’s more affordable plans offer limited coverage for each appliance and home system they include. At Elite Home Warranty, you get full coverage with every plan for each appliance and system that’s included.
Another important difference is that Elite Home Warranty allows you to use your own service technician. Home Warranty of America does not, although the service call fee may be slightly cheaper.
Cinch Home Services is significantly more expensive than Elite Home Warranty. You’ll pay more for your warranty plan and up to $150 per service call.
Every Cinch Home Services service call comes with a 180-day workmanship guarantee, compared to 30 days for Elite Home Warranty. In addition, the annual coverage limit for standard Cinch Home Services contracts is higher, at $10,000.
First Premier offers some of the most cost-effective home warranty plans currently available. You’ll pay less for your warranty plan and less for each service call than with Elite Home Warranty. In addition, all service calls include a 90-day workmanship guarantee.
Both companies offer 24/7 claims service and typically dispatch technicians within 24-48 hours of a claim. However, unlike Elite Home Warranty, First Premier does not allow you to use your own service technician.
Elite Home Warranty offers comprehensive and affordable home warranty plans that can protect all of your home’s major appliances and systems. You can build a completely customized warranty plan or choose from three premade packages and dozens of optional add-ons. Elite Home Warranty also lets you choose your copay and coverage limit.
Elite Home Warranty accepts claims 24/7 online, over the phone, and through its mobile app. You can choose your own technician or use one provided by the company. It usually takes around 24-48 hours for service. Customer reviews of Elite Home Warranty are overwhelmingly positive.
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