Range across tiers
Review · 2026-05-16No paid placement
ServicePlus Home Warranty
“Strictly price-driven buyers who want bundled roof-leak coverage and accept low caps.”
Founded 20148 states2 plan tiersBBB B-
Photo · Curology / Unsplash
The Warranta verdict2026-05-16
“Strictly price-driven buyers who want bundled roof-leak coverage and accept low caps.”
You need dependable claim approvals or payout limits high enough for a full replacement.
The honest answer
Who should skip ServicePlus Home Warranty
Not the right fit for every home.
You need dependable claim approvals or payout limits high enough for a full replacement.
§ 03At a glance
- Monthly premium
- $40–$58/mo depending on plan
- Service fee options
- $75$100
- Service fee range
- $75–$100 service-call fee
- Annual coverage limit
- $1,500/yr per covered item on most categories
- Waiting period
- 30-day waiting period for new plans
- Eligibility notes
- No home-age limit; pre-existing conditions excluded
- Available in
- 8 states (TX, FL, NC, CO, GA, PA…)
At a glance
Per visit, paid to tech
Across plan tiers
Resets each contract year
Before claims are eligible
Home age / pre-existing
Excludes territories
§ 04What’s good, what’s not
What’s good
- Low headline pricing with frequent promotional free months on annual prepay
- Includes free roof-leak coverage on plans
- Simple two-tier structure
What’s not
- Among the lowest claims and customer-service sentiment in this set on BBB and Trustpilot
- Low $1,500 per-item cap frequently falls short of a full system or appliance replacement
- Documented pattern of disputed denials and slow reimbursement
§ 03bSub-scores
Pricing
4.2
Coverage
3.3
Claims
2.8
Service
3.0
Network
3.1
§ 05Coverage by tier
Tier 01
Gold (Appliances)
$40–$50/mo
- Service fee $75–$100 per visit
- Up to $1,500/yr coverage limit
Tier 02 · Most chosen
Platinum (Combo)
$47–$58/mo
- Service fee $75–$100 per visit
- Up to $1,500/yr coverage limit
§ 06Sample pricing
| Plan tier | Monthly premium | Service fee | Annual coverage limit |
|---|---|---|---|
| Gold (Appliances) | $40–$50 | $75–$100 | $1,500/yr |
| Platinum (Combo) | $47–$58 | $75–$100 | $1,500/yr |
Ranges are the provider’s published premium and service-fee bands. Your actual quote varies by ZIP, home size, and the optional add-ons you select.
§ 07Filing a claim with ServicePlus Home Warranty
Claims are filed online or by phone during business hours. ServicePlus dispatches an in-network technician and the homeowner pays the service-call fee. Reported disputes center on denials and low payout caps, so review the contract sub-caps closely before relying on it for a major repair.
Report the failure
File online, in-app, or by phone. The provider assigns a contractor from its in-network pool.
Pay your service fee
The trade service-call fee is charged when the technician is dispatched, not after the visit.
Technician inspects
Diagnosis is typically scheduled within a few business days in metro areas; rural waits can run longer for non-emergencies.
Approval or denial
A covered failure is repaired or replaced up to the contract caps. A denial must cite the section of the schedule of coverage it relied on.
Appeal (if denied)
Every provider has an internal appeals path. Documenting the failure and the technician’s diagnosis before you file is the single biggest lever on the outcome.
If you get denied
Make the denial cite the contract.
- Ask which section of the schedule of coverage the denial applied. This forces a contract citation rather than a verbal “not covered.”
- Confirm whether the failure was “detectable by visual inspection at the time of contract.” That pre-existing language decides most disputed appeals.
- Document the technician’s diagnosis and your own evidence. A second opinion is what most often turns a flat “no” into a review.
Synthesized from third-party sources · not testimonials
What customers are actually saying.
This summary is synthesized from third-party review and complaint aggregators, not a survey we ran. ServicePlus Home Warranty holds a BBB rating of B-. The recurring themes in public complaints map to the cons above: customers most often cite among the lowest claims and customer-service sentiment in this set on BBB and Trustpilot. Sentiment is mixed rather than uniformly negative. Satisfied customers typically describe smooth routine repairs, while disputes cluster around large claims and payout caps.
Sources
- ServicePlus Home Warranty BBB profile (BBB profile, accessed 2026-05)
- ServicePlus Home Warranty plan and pricing pages (Provider official, accessed 2026-05)
- ServicePlus Home Warranty Trustpilot aggregate (Trustpilot, accessed 2026-05)
Honest alternatives
If not ServicePlus Home Warranty, then who?
BBB B-
Select Home Warranty
3.4/5
Price-first buyers who want the lowest monthly cost and value bundled roof-leak coverage.
Read review →
BBB B
Choice Home Warranty
3.7/5
Budget-focused homeowners who want predictable low service fees and straightforward plan choices.
Read review →
BBB A
Liberty Home Guard
4.0/5
Homeowners who value responsive support and a wide add-on catalog over the highest payout caps.
Read review →
Decided?
Get a quote from ServicePlus Home Warranty.
You’ll be taken to the provider’s site. Quotes vary by ZIP, home size, and plan tier. We do not see your quote, your home address, or your personal information.
Get a quote from ServicePlus Home Warranty
FTC ↘Warranta earns a commission when you buy a plan through links on this page. This does not affect our editorial analysis or the price you pay. Disclosure policy
Warranta earns a commission when you buy a plan through links on this page. This does not affect our editorial analysis or the price you pay.
Commissions are paid by the provider. Affiliate program applications are pending, so outbound links are currently placeholders.
We review monetized pages quarterly for FTC-compliant disclosure placement.
How we get paid →