Total Protect
Home Warranty Plan Details and Reviews for Total Protect
Premium: $350
Deductible: $90
Effective: 30 days after enrollment
Web: totalprotect.com
Deductible: $90
Effective: 30 days after enrollment
Web: totalprotect.com
| Home warranty is a complex insurance product. Unlike home insurance, it does not provide blanket coverage for all appliances. Pre-existing conditions and problems resulting from lack of maintenance of appliance are are generally not covered by home warranty companies. Home warranty sellers may not state these factors clearly, and this will create dissatisfaction among customers. Due to these factors, you will see many negative reviews here. Don't be intimidated by some negative reviews here. If you have maintained your appliances in good condition and go with a reputed home warranty provider, your coverage will be fine. |
We do not endorse any company in particular, however you should ignore the reviews that are overly negative or positive. Such reviews are not likely to offer a balanced view and some of them could be fake reviews posted to promote or demote a company. It is always a good idea to check BBB ratings and make sure the company is licensed to do business in your State by contacting State Insurance Commission. Try to avoid paying annual premium and keep your cancellation rights
This company also operates under the following alternate business names
- Total Protect
- Cross Country Home Services
- Haa Of Virginia
- HMS Home Warranty
- Home Warranty Service
- HomeSure of America Inc.
- Homesure of Virginia, Inc
- HomeSure Services, Inc.
Source: Better Business Bureau
Reviews
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Pages: « 22 … 11 10 9 8 7 6 5 4 3 2 [1] Show All
This company is terrible. I hope someone starts a class action suite against them. It is time. They have ripped off to many people and should not be allowed to get away with this! All they do is take your money and give you the run around.
My husband and I received a letter from TotalProtect with our bank name emblazoned everywhere. I read the letter and talked to my husband about it, and we actually thought we might consider it… that is until I began the research.
Thank you to all of you who shared your experiences. On the salaries of a teacher and a social worker, we thought we might be making the smart move to purchase a “home warranty plan”, but I can’t afford to pay for someone to deny me service and then throw down the cash for the repairs. I guess I’ll just cross my fingers and save my $$. Thanks again.
Comment: I signed on with TotalProtect Home Service. My claim was handled by HomeSure Services.(not sure why) The technicians sent to evaluate my HVAC said it was installed improperly,straight-wired & not maintained…CLAIM DENIED. All of this was not true. I had maintenance records to disprove. So I called & was rudely treated and bounced from one rep to another. I finally just asked to cancel. Three months later I am still being billed and have spent over 20 min at a time trying to get to someone who will authorize reimbursement for fraudulent charges to no avail. I was asked to fax in my mortgage statements.So the fight continues. I will try to have the charges blocked by my mortgage company. This warranty company–TOTAL PROTECT and/or HOMESURE are SCAMS!!!! BUYER BEWARE!!!
A total rip off fraudulant company. This company should be put out of business. We have contacted our State Attorney Generals Office and the Better Business Bureau to alert other unsuspecting people of the way this company lies and promises repairs when in fact they will do nothing when a claim is submitted. Don’t buy this program. You are throwing your money away.
This company is a rip off! Service agents including “Supervisors” are unprofessional and lack knowledge as it relates to warranty services. Sub-contractors are sub-par and work is unreliable. Total Protect is aware of this yet continue to utilize these company’s holding them to no standard of rating. I have had the same issue with my air conditioning unit for the last two years. Total Protect has sent three different company’s out to repair the unit with still no resolve. I came out of pocket $500 to have a coil REPLACED only to learn that the technicians that Total Protect sent out did not replace it! Now, Total Protect is claiming that they are not responsible because the issue was pre-existing! Of course it’s pre-existing because their lousy repair company did not replace it even though they were paid to do so. I would not recommend this company to anyone and urge those seeking a reputable company to take Total Protect off your list!!!!!
This thread is almost 2 years old but they’re still ripping people off. We’ve been with them for almost two years, because they were recommended to us by Washington Mutual. We’ve paid $37 each month. Our shower broke and we called them to fix it… They sent a guy over who stayed for 5 minutes, notified us the shower was broken (duh), didn’t fix anything, then tried to charge us $60 (why are they charging us money for nothing? why are they charging us at all when we pay the insurance company monthly?) We refused to pay unless the job was actually done, and they told us that now we’ll have to pay $260, and that they’re not coming to fix our shower anymore. We tried to get through to the manager or supervisor on the phone, and they took our number down and said the manager would call later that day but we got no call. Basically these guys are completely useless, and are nothing more than theives and scammers. Hopefully someone will raise a lawsuit against them sometime soon.
Company’s practices are questionable at best. We first engaged with Total Protect when our 30+ year old hot water heater started leaking. They sent out what could possibly be the worst repair company in the city, who took a week just to come out and inspect the unit, which was leaking an inch of water into our laundry room every 24 hours. The hot water heater was plumbed to a pair of old solar cells on our roof, which needed to be disconnected anyway. I instructed the tech to bypass the plumbing completely, and just run it normally. After 2 weeks of disrepair, the tech finished the job and left without testing it. We checked, and there was no hot water coming out of the pipes, only cold water out of both sides. We called them back, and after 2 more days of “repairs”, we wound up with a bird’s nest of pipes above our hot water heater, a new valve on the hot water out side of the heater, and still no hot water to the faucets. No water would come out at all! We finally discovered that the valve was the shut-off for the hot water to the house. When we turned it on, we could hear this rushing sound through the walls, like something was running. Our water meter was turning like crazy, even though nothing was on. We called Total Protect and informed them they needed to investigate this, and they would NOT be sending the same bunch of clowns out. They sent out a different company, who said it was not only improperly installed, but now a hot water line was busted in the walls, and Total Protect doesn’t cover that. I called Total Protect back and informed them the pipes worked before THEIR “service tech” touched it, so they said they’d cover it for an additional claim fee, and they wouldn’t cover the cost of the locator service to find the source of the leak. Needless to say we’re still waiting to gather the money together to afford a locator service so they can “cover” the repair of the slab leak in our house, indirectly caused by THEIR service tech.
The second time we called them was on our Air Conditioner. The air conditioner, also over 30 years old, was blowing black smoke into our house. We called them, they sent out the repair tech, who stated in his report that the unit was 27+ years old, in very poor condition due to age, both motors were burned out, and there were signs of corrosion around the condensate plate, and because of the age of the unit, the condensate plate isn’t available anymore, so the unit should be replaced. Total Protect denied the claim (naturally) because of rust. I called them on it, saying their contract states “unit failure as a result of rust will disqualify a claim”, and the unit failed because of the two motors. They fired back with how the report also says the unit was very poorly maintained, and that the report repeatedly states that it was poorly maintained, and their contract says poor maintenance disqualifies a claim. I asked to speak to their supervisor, who told me the reason for the denial was not rust, but poor maintenance. I explained to him I was present all 9 years I’ve lived in the home when maintenance was performed, every year, and the unit worked every time. They insisted the report repeatedly stated “poor maintenance”, and there was nothing he could do, because he’s in the Customer Service department, and the Claims department makes the final decisions. If I wanted to appeal and ask for a second opinion, I could but I would lose, because they very seldom overturn their decisions. I explained to him we needed all the help we could get, we have an 8 year old child with a bad heart at home, and live in the central Arizona desert, where it’s going to be 130 degrees in a couple of months, but he said there was nothing he could do.
The next day I asked to speak with the technician who did the inspection, who read the report to me, in which NOWHERE did it state anything about poor maintenance. He then faxed me a copy of the report as proof. The report stated nothing about poor maintenance or rust, simply what I mentioned before. We were stuck paying $4500 for a new air conditioner. Then, they had the brass spheres to send me a CUSTOMER SERVICE SURVEY on my experience with the A/C claim. Needless to say, I’m cancelling my coverage ASAP. If anyone’s looking to sue Total Protect for anything send me an email to ps66.16@gmail.com, I have evidence they lied to avoid having to pay for the claim. And yes, I paid the claim fee for them not to cover the A/C unit too. Unbelievable!
This company is absolutely horrible. We had a propane leak in our stove top, the appliance repair man ordered a part, when it became obvious that the part was no longer available anywhere….totalprotect (homesure services) denied that there was anything wrong with my stovetop refused to fix or replace it. Then our furnace quit working..we had to wait two months in the middle of winter before they would replace it. Now our water heater isn’t working. Called at 11 am today…at 11 PM,..called again. They gave us the number of a plumber who was supposed to call us back…called the number. The guy is a plumber, but is on the other side of the state…doesn’t work for Totalprotect, etc. Uffffff….called them back and they say they are updating their system and that it won’t be back up all night. This is always the way our claims are handled. Horrible company!!!
Rude…Definitely do not have it together….
ive heard people say total protects a fraud but when my dishwasher went out they for the 60 deductible had aguy come out try to repair it when it could not be repaired they paid sears the full price for the equvilent plus had it hauled here free, but when they couldnt get sears out to do it immiadiatly(install) they paid me 120.00 to do it of course im a home builder and am licensed was a sweet deal im not complaining and i think their really good and they evn offered me to do repairs for em a job whew not bad although i turned it down as i build homes not do appliance reapirs are notto my likings i give em a thumbs up
Company has come through for me on every occasion. This includes two plumbing problems and a dishwasher problem. On one of the plumbing problems, we did wind up paying out of pocket because the drain issue that we were having was of cleaning out pipes and not of the pipes itself. BUT, the company did replace a dishwasher panel as the door handle broke off (so it was a mechanical item). That saved us a considerable amount of money.
Found them adequate at best. Not sure it is really worthwhile since they hesitate to repair major items like AC units. They gave us only a portion of replacement cost of our stove so we paid the $60 deductible and $150 additional for a replacement over what they gave us in order to buy a comparable stove to what we already had.
If you wish to read more about my particular continuing nightmare with Total Protect see the following link:
http://www.my3cents.com/showReview.cgi?id=31570
Total Protect is an absolute consumer fraud. The advertise that they will replace expensive items such as heat pumps. I won’t bore you with the nightmare I encountered when dealing with Total Protect after my heat pump broke down. They tried every trick in the book not to cover it, sent out unbelievably incompetent repairmen and after my own independent heating and AC company found that the unit had to be replaced Total Protect would only cover the cost of a well below builder grade model and then tried to tack on multiple additional charges. They offered $2,000 toward a unit that cost me over $7,500 to install. This company is an absolute fraud and should be shut down by State and Federal Regulators. Large mortgage companies push Total Protect on unwary customers knowing fully that an cursory internet search reveals Total Protect’s fraudulent practices. I don’t know who is worse Total Protect or the mortgage companies that sell their policies, but the unfolding mortgage fraud crisis provides you a glimpse into their normal business practices. The Better Business Bureau for the Washington, D.C. area notes “this company has an unsatisfactory record with the bureau due to unanswered complaints.” You have to dig to find the company, however as they exist under a number of different names. In this area they appear to be HMS of The Mid Atlantic States. I discovered this only because my complaint to BBB about Total Protect was answered by the claims correspondent for HMS. The also appear to be rated by the BBB in Florida under Home Sure Services. This information is a start for anyone willing to file a class action suit to shut them down.
3-25-08 My name is Tim Austin my phone is 903-445-1785, I live in Plano, Texas. Please call me or read this before using these Liars and Thieves. I called Total protect about my AC not working. They sent Rangers Heating and Air out to my house. The rep from Rangers said that my compressor was out and that it would cost me $300.00 for the gas & freon recovery. I gave the O.K. to Total Protect to have the work done and they again explained to me that I would have to pay the $300.00 for the gas and freon recovery. I told them I understood and had them to get it on order. When the compressor came in, Rangers AC called and told me that they were ready to come and do the work and that they would need to pick up a check for $680.00 at the time of service. I was dumbfounded, as this was the first that I had heard of this extra $380.00. I asked what it was for and they told it was to have the coils cleaned. I called Total Protect to find out what was going on. They called Rangers AC and the guy there said that the coils had to be cleaned before he could install the compressor and that he would not install the compressor without cleaning the coils and without the extra fee being paid. Total Protect backed him up and then explained to me that if Rangers damaged the coils in any way while cleaning them that they would not cover paying for the coils, so if there were any further problems with the issue of the coils, I would have to take that up with Rangers AC. I had no choice, but to have the work done. Both Companys are out to stick you and waiste your money. Make sure that you stay away from these people. THEY ARE LIARS AND THIEVES, AND THEY ARE IN IT TOGETHER. I have spoken to three other AC companies that assure me that they could have cleaned the coils for half the price and they hear many complaints about both of these companies. They expalined to me that this is the reason that none of them will work for Total Protect Home Warranty Company. If you are trying to get Rangers on the phone it is 469-335-3125. I am sure that he had to change it from to many complaints coming in on the old line.
very poor service.We had a power loss in our house due to circuit breaker and they did not show up for 3 days. At last i have to call some electrician myself and asked for reimbursement check. this company really lacks the quality
Complete rip-off. Service tech sent out was a complete fraud and to cancel you have to pay the the amount of the fee they covered for you!! Our bill was 200+ so to cancel I had to pay 200+ and we’ve been paying 40/mth for a year on top on that!! Disgusting.
Excellent service. Replaced a boiler for me. 3-day turn-around not bad. Would suggest to others. Many people complain about declined claims, I too have had a declined claim but they follow the policy. We pay a small amount monthly for the service so there has to be some limits as to coverage. I’ve had the policy for 2-years — they replaced the boiler and a dishwasher. Would have cost me $5000.00+ easy.
I am pretty disgusted with the way they word their policy. They make it sound like it is all that and more. WRONG! We called them on a wall heater in our home that went on the blink. The service person said that the unit needed to be replaced. Low and behold… They refused the claim. You need to quit lying to people to make that fast buck! We are out $1600.00 . Did that amount scare you? Shame on you! Taking advantage of the elderly! MM
Total Protect Home Warranty is supposed to provide a repair or replace on appliances in your home. Typically, these warranties are included in the purchase of a hose to protect the home owner from have to repair or replace a major appliance. Anyway, I have a policy through them (Policy Number 55933968). I called to have them repair my dishwasher for the third time, and this time they say the repair is not covered under warranty, even though they did the same repair the last time when they were at my house. I talked to their customer service representative (Marcus), and someone was supposed to call me so that we could discuss this. Needless to say, they have not called, and I still have a broken dishwasher. In fact, I just went and purchased a new one on my own … So much for the repair or replace “guarantee” from Total Protect. I just want to warn people who think they are covered, and I’m sure other people have been affected as well. Please people do not purchase a warranty from this company. They need to be shut down by our Government and by the Better Business Bureau since they are not responsive to the customer, and have ripped people off … Total Protect is a RIP OFF!! Buyer Beware … DO NOT PURCHASE A WARRANTY FROM TOTAL PROTECT!!! YOU ARE NOT PROTECTED … THIS IS A FALSE SENSE OF HOPE!!
It took a week of me going back and fourth with these people to finnally get a DENIAl for my boiler to be fixed. They will find a way out of anything.