In a Nutshell
- Competitive premiums and service fees
- All plans cover appliances and systems
- Coverage can begin sooner than 30 days
- Low coverage limits
- Limited online capabilities
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.
Best for affordable appliance and system coverage
Best for full home coverage
Air Conditioning System
Garage Door Opener
Ceiling and Exhaust Fans
InHome Warranty also offers optional features that you can add to any plan including:
- 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’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.
$42.50 per month or $510 per year
$50.83 per month or $610 per year
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
- Ge Monogram
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 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.
Average annual premium
In-network only (number unspecified)
Service call fee
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.