United Home Warranty Review

Katy Ward

In a Nutshell

California-based United Home Warranty offers coverage on an extensive range of appliances to customers in every state. You can choose from plans to protect your most valuable appliances without the need for a home inspection and can make a claim online 24/7.

pros

  • Home inspection/maintenance records not required
  • 24/7 online claims service
  • Fast, efficient customer service

cons

  • 24/7 phone service not available
  • $250 cash limit on claims for certain older items
  • Fewer contractors in its network than some competitors

United Home Warranty United Home Warranty Visit Site

United Home Warranty at a Glance

Annual Premium 
Approx $350-$600
Plan Types
Basic, Premium, VIP
States
All
HVAC 
Yes, on Premium and VIP plan
Contractors
8,000+ in network
Home Inspection Required
No
Claims Service Fee
$65-$85
24/7 Claims Department
Yes, online 
Workmanship Guarantee
30 days

Coverage

United Home Warranty offers protection for kitchen and laundry appliances, as well as heating, ventilation, and air conditioning systems—the coverage you receive varies according to the plan you choose.

Depending on the maintenance issue, the company either sends a tradesperson to your home or provides you with a replacement. Although there isn’t a limit on the number of claims you can make during your 12-month contract, several appliances carry maximum coverage levels and certain parts may be excluded. You’ll find full details of any exclusions for parts on the company’s website.

A number of items also include a coverage limit of $250 if they are more than 10 years old. This applies to kitchen refrigerators, clothes washers, dryers, ovens, ranges, dishwashers, microwave ovens, and trash compactors.

What Appliances and Systems Does United Home Warranty Cover?

ITEM
BASIC
PREMIUM
VIP
Optional add-on
Kitchen refrigerator (up to $2,000)
Yes
No
Yes
No
Clothes washer and dryer
Yes
No
Yes
No
Oven range (up to $2,000)
Yes
No
Yes
No
Dishwasher (up to $3,000)
Yes
No
Yes
No
Garbage disposal
No
Yes
Yes
No
Microwave oven (up to $2,000)
Yes
No
Yes
No
Trash compactors
Yes
No
Yes
No
Air conditioning
No
Yes
Yes
No
Plumbing, including stoppages (up to $1,000)
No
Yes
Yes
No
Water heater, including tankless (up to $600)
No
Yes
Yes
No
Garage door opener
Yes
No
Yes
No
Ceiling fans
No
Yes
Yes
No
Instant hot/cold water dispenser (up to $1,000)
No
Yes
Yes
No
Smoke detectors
No
Yes
Yes
No
Heating unit (up to $2,000)
No
Yes
Yes
No
Guest unit
No
No
No
Yes
Septic tank
No
No
No
Yes
Well pump
No
No
No
Yes
Pools
No
No
No
Yes
Spas
No
No
No
Yes
Pool/spa
No
No
No
Yes

The company doesn’t cover stand-alone freezers or roofs. Although you can add your guest house to your policy, you’ll need to purchase a separate policy if the building is larger than 850 square feet.

Pricing and Onboarding Deals

The exact price of your plan will depend on the state you live in and the service fee you choose to pay—this is a one-off payment to cover the cost when a tradesperson visits your home. 

As a rough guide, prices fall into the following categories, though United Home Warranty offers a $75 annual discount if you use the promo code UHW2020 when applying.


Basic Plan
Premium Plan
VIP Plan
Per Month
$23.99-$85
$26.99-$85
$48.99-$85

To find the price in your location, you can enter your address into the company’s website.

You can also choose to include the following add-ons on your policy.

Item
Monthly fee
Guest unit
$19.99
Septic tank
 $6.33
Well pump
$11.17
Pools
$15.25
Spas
$15.25
Pool spa
$20.83

Contractors and Service

The company has more than 8,000 contractors in its network and covers every trade. When you make a claim, United Home Warranty will assign a contractor from its network to your case and you’ll pay a service fee of between $65 and $85. Although you may be able to select a contractor yourself in certain circumstances, this tradesperson must be certified by the appropriate authorities.

In a definite plus, the company doesn’t require you to submit to a home inspection before you purchase a policy and you don’t need to provide maintenance records for your appliances.

If you need to make a claim, you can do so via the company’s online service 24/7 or over the phone between 8am to 5pm on Monday to Fridays and 9am to 1pm on Saturdays. Your coverage will begin 10 days after you purchase your policy.

The company offers a 30-day workmanship guarantee and will send a contractor to your home free of charge if the problem with your appliance isn’t resolved following the initial visit.

How Does United Home Warranty Compare?


United Home Warranty
Select Home Warranty
Choice Home Warranty
Annual Premium (starts at) 
$350
$379
$420
Number of contractors 
8,000+
10,000 in network
In network only
Home Inspection Required 
N
N
N
24/7 Claims 
Y, online
Y, online and phone
Y, online and phone
Workmanship Guarantee (in days)
30
N/A
90 for parts, 30 labor

What Do People Say About United Home Warranty?

“Great home warranty company – has all of the services I needed and they’re very cheap compared to other home warranty providers I’ve worked with before.” Angie’s List verified review

“Great company, response, work and professionalism at its best. Best deals out there for your home or even appliances that are used on a daily basis. Would definitely recommend them to friends and family. Way to go United Home Warranty!”, Gary G, Yelp

United Home Warranty United Home Warranty Visit Site

Bottom Line

As well as charging lower fees than many of its competitors, the company covers a comprehensive range of appliances and gives you the freedom to choose a plan that suits you.

The company could be a good fit for those looking to purchase a hassle-free policy as you don’t need to provide any maintenance records or submit to a home inspection.

The biggest downside we encountered is that, unlike a number of its competitors, United Home Warranty doesn’t provide a 24/7 claim service over the phone. When we contacted the company via email, we received an extremely polite and efficient response from one of its customer service representatives. 


About United Home Warranty

Established in 2017, the company has 100 employees and is based in Pasadena, California.


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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