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InHome Warranty Review (2021) - Plans, Pricing, Coverage and More

Patrick Sather

In a Nutshell

Established in 2008, InHome Warranty operates as a sister company of Choice Home Warranty. It provides two service plans that cover most of your home’s major appliances and systems. While its coverage limits are lower than those of some of its competitors, InHome Warranty charges affordable premium and service fees. Although it offers 24/7 phone support, its website functionality is limited in comparison to competitors.

pros

  • Competitive premiums and service fees
  • All plans cover appliances and systems
  • Coverage can begin sooner than 30 days

cons

  • Low coverage limits
  • Limited online capabilities

InHome Warranty InHome Warranty Visit Site

InHome Warranty Plans and Coverage

InHome Warranty offers two home warranty plans to homeowners nationwide. With the Basic Plan, you get coverage for 14 of your home's major appliances and systems. The price of the Basic Plan starts at $46.67 per month or $560 per year. In the event that you require full home coverage, InHome Warranty also offers its Total Plan, which adds coverage for your clothes washer and dryer, refrigerator, and air conditioning system. The Total Plan begins at $55 per month or $660 per year.

Covered Items
Basic Plan
Total Plan


Best for affordable appliance and system coverage

Best for full home coverage

Air Conditioning System

-

Heating System

Electrical System

Plumbing System

Plumbing Stoppage

Water Heater

Whirlpool Bathtub

Refrigerator

-

Oven/Range/Stove

Cooktop

Dishwasher

Built-In Microwave

Garbage Disposal

Clothes Washer

-

Clothes Dryer

-

Ductwork

Garage Door Opener

Ceiling and Exhaust Fans

Optional Add-Ons

InHome Warranty also offers optional features that you can add to any plan including:

  • Pool/Spa
  • Second Refrigerator
  • Limited Roof Leak
  • Well Pump
  • Additional Spa
  • Septic System
  • Stand Alone Freezer
  • Sump Pump
  • Central Vacuum
  • Septic Tank Pumping

Fees for additional items vary depending on the item and your home’s location. If you want to get a full breakdown of pricing, you can contact customer service or request a free quote on In Home Warranty’s website. 

InHome Warranty website checker for new customers

Plan Exclusions

InHome Warranty’s plans only cover repairs and replacements for damage that occurs due to normal wear and tear. To qualify for coverage, you must live in a single-family home including manufactured homes, condos, townhomes, or mobile homes. If your home is more than 5,000 square feet or you live in a multi-family dwelling, you may be subject to additional fees. InHomeWarranty does not cover commercial properties or residences used for business purposes. 

Certain components of appliances and systems included in each plan are excluded from coverage, including the following:

  • Clothes Dryer: noise, venting, lint screens, knobs and dials, doors, door seals, hinges, glass, leveling and balancing
  • Air Conditioning: gas A/C systems, condenser casings, registers and grills, filters, window units, water towers, humidifiers, chillers
  • Heating System: geothermal components, heat lamps, chimneys, grain/pellet/wood stoves, well pump
  • Water Heater: insulation blankets, pressure reducing valve, rust and corrosion, storage tanks, vents and flues, drain pans and lines
  • Electrical System: fixtures, alarms, intercoms and doorbell systems, circuit overload
  • Plumbing System/Stoppage: damage or stoppages outside of foundation, hose bibs, drum traps, faucets and fixtures, bathtubs and showers, sinks, toilet lids and seats

To get a full list of exclusions, you can check the sample terms on InHome Warranty’s website or review your service agreement. 

InHome Warranty Plan Pricing

InHome Warranty does not offer plan pricing on its website. If you request a quote online or call for a quote, you may qualify for up to $50 off your annual premium and a free month of coverage. With this discount, the cost for the Basic Plan costs $42.50 per month or $510 per year, while the Total Plan costs $50.83 per month or $610 per year. Otherwise, the Basic Plan starts at $560 per year, while the Total Plan costs $660 per year. In addition, InHome Warranty charges a service fee for each scheduled repair. You will pay either $60 for each service visit or the cost of the repair, whichever is lower. 

Expense Type
Cost

Basic Plan

$42.50 per month or $510 per year

Total Plan

$50.83 per month or $610 per year

Service fee

$60

How to file a claim with InHome Warranty

To file a claim, you can contact InHome Warranty’s customer service team via phone. Support is available 24/7, 365 days a year. After you submit your request, InHome Warranty will contact a service provider to schedule your repair. The normal timeframe to schedule a repair is within 2 days during normal business hours, or within 4 days if the request is received on a holiday or weekend. A service fee of $60 is required at the time of service. If a repaired or replaced part fails, InHome will cover any additional service fees within 30 days for labor or 90 days for parts. 

InHome Warranty limits coverage on each appliance and system included in your plan. While you can claim no more than $1,500 for each item per contract year, some features are subject to specific limits. Appliances and systems subject to specific limits include the below:

  • Electrical System: $500
  • Plumbing System/Stoppage: $500
  • Ductwork: $500
  • Pool/Spa: $500
  • Septic Tank Pumping: $200
  • Well Pump: $500
  • Septic System: $500

In addition, InHome Warranty will pay no more than $1,000 in aggregate for professional series equipment or appliances. This includes the following brands:

  • Sub Zero
  • Viking
  • Wolf
  • Bosch
  • Jenn-Air
  • Ge Monogram
  • Thermador

Is InHome Warranty Legit? 

InHome Warranty is owned by Choice Home Warranty. If Advanced HomeWarranty cannot deliver a competitive offer, it will encourage you to apply with Choice Home Warranty. Currently, it is not accredited with the Better Business Bureau. In addition, InHome Warranty does not list any customer reviews on its website, and no third-party reviews exist on sites such as TrustPilot or Consumer Affairs. 

What’s Unique About InHome Warranty?

If you are a new customer, you may be eligible to receive a discount on your coverage. Currently, InHome Warranty advertises a discount of up to $50 off its annual plans and a free month of coverage. 

Help and Support

You can call customer service over the phone 24/7. Support is available to provide quotes, submit a claim, and request information about your policy. If you submit a request for a quote on the website, a customer service representative will call you within minutes to discuss your eligibility and available discounts. InHome Warranty does not offer any online services, chat, email support. In addition, it does not feature FAQs or blog posts on its website.

What about the InHome Warranty app?

InHome Warranty does not have a mobile app.

How to Get Started with InHome Warranty

To start a plan with InHome Warranty, you may either submit a request for a free quote online or call one of its customer service representatives over the phone. If you request a quote online, you will need to provide your zip code, name, email, and phone number. Your coverage begins 30 days after you close on your application. However, if you provide proof of continuous coverage through another carrier, your coverage may begin within 15 days of the application date. 

If you wish to cancel your home warranty contract, InHome Warranty will provide you a full refund if you submit your request within 30 days of closing your application. It will provide you with a prorated refund if you submit your cancellation request after the 30-day introductory period. All cancellation requests incur a $50 processing fee and must be received in writing.

How InHome Warranty Compares to Other Home Warranty Services

InHome Warranty vs. The Home Service Club

Compared to The Home Service Club, InHome Warranty charges competitively priced premiums. If you want to save money on your monthly bill and service fees, you are better off choosing InHome Warranty. However, The Home Service Club offers 24/7 online service and a larger confirmed number of contractors. These features make it a better option for people who want flexibility when submitting a claim.

InHome Warranty InHome Warranty Visit Site

InHome Warranty vs. Choice Home Warranty

In terms of pricing for premiums, there is not a significant difference between Choice Home Warranty and InHome Warranty. If you want affordable premiums and a large confirmed network, Choice may be the better option. However, with its flat $60 service fee, InHome Warranty could save you money on service visits. 

InHome Warranty vs. Super Home Warranty

Compared to Super Home Warranty, InHome Warranty’s premiums are much more affordable. In addition, its $60 service fee is cheaper than Super Home Warranty’s $75 service fee. If you want to save money on your premium and service visits, InHome Warranty is the better option. However, Super Home Warranty is the better choice if you want flexibility filing a claim, as they offer service via phone, app, and online.

Details
The Home Service Club
Choice Home Warranty
Super Home Warranty 

Average annual premium

$552-$799

$476-$660

$729-$1399

Contractors

15,000 in-network

15,000 in-network

In-network only (number unspecified)

Service call fee

$65-$125

$60-$85

$75

Service requests

24/7 online and by phone during normal business hours

24/7 online and phone

24/7 online or app, and by phone during normal business hours

The Bottom Line

Since 2008, InHome Warranty has provided coverage to homeowners nationwide as a sister site of Choice Home Warranty. It features two plans that cover your home’s major appliances and systems for an affordable price, and its service fees are below the industry average. In addition, your coverage can begin before the 30-day introductory period if you provide proof of continuous existing coverage from another carrier. However, it does not have an established online presence, and its coverage limits are lower than those offered by its competitors. 

Frequently Asked Questions
When does InHome Home Warranty coverage begin?
-
+
Your coverage begins 30 days after your application date. However, if you submit proof of continuous coverage from another carrier, you may begin to receive coverage starting 15 days after you submit your application.
Does InHome Home Warranty cover pre-existing conditions?
-
+
No, InHome Warranty does not cover pre-existing conditions.
How long does InHome Home Warranty coverage last for?
-
+
Your home warranty coverage lasts for 12 months beginning 30 days after your application date, or earlier if you provide proof of continuous coverage from an existing carrier.
Patrick Sather is an award-winning personal finance writer and licensed broker who has worked for some of the largest financial firms in the United States, including TD Ameritrade and Pacific Life. A graduate of the University of Nebraska in both Economics and International Trade and English, his articles on life's most common financial decisions and quandaries are straightforward, practical, and always easy to understand.

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Top Reviews

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1 years ago

Awesome they are. Low cost great coverage and great customer service I will continue with them

1 years ago

They are prompt. Service is good. Parts are good. Service person is clean and helpful. The person that answers the call and schedules the time considers my schedule

1 years ago

Ease of use and quality of service. They respond to questions very quickly. They always have the answers

1 years ago

Nothing except takes too long to get approved for replacement once approved was able to pick out what product we wanted and was delivered within a week

2 years ago

decent service and prices; fast response time to the initial call for service. Techs were responsive and professional

1 years ago

I have never used it but I have it if I need it. if I had used it I would have a better idea as to how to rate it. so far no complaints

2 years ago

InHome Warranty Service is very good. It is reliable and friendly to people. I give it better score.

2 years ago

So far, I am satisfied with the in home warranty. I feel for the value I pay, I am getting a good quality service

1 years ago

paid good money to have the protection offered by their service but any time I had to get service it was hard to use.

1 years ago

It was hardly worth it, it didn't cover much after all exceptions. Tried to use it and was denied 2 out of 3 claims

10 reviews