Total Protect
Home Warranty Plan Details and Reviews for Total Protect
Premium: $350
Deductible: $60
Effective: 30 days after enrollment
Web: totalprotect.com
Deductible: $60
Effective: 30 days after enrollment
Web: totalprotect.com
Customer Service 
Service Timeliness
Repair/Replacement Service
Overall Rating
Total Reviews: 312 Rate this Company!
Service Timeliness
Repair/Replacement Service
Overall Rating
Total Reviews: 312 Rate this Company!
Coverage Area: USA - All States
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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: « 14 … 11 10 9 8 7 6 5 4 3 [2] 1 » Show All
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I too wish I would have read tihs before trusting my mortgage company would have researched before sending out information with thier name on it. this company is a rip off. I have a/c problems and each time I call customer service I get a different answer. 24-48 hours was the longest I would have to wait to get my a/c unit fix. I am still waiting day 5.
I am willing to get into an action law suit. How do get get started?
I am in Day 6 of trying to get someone to process my claim. They claim they didnt recieve the A/C repairmans report. BULLSHI! I personally watched them fax it. I have emailed & faxed it myself. So far all I have gotten from them is apologizies & fake sympathy. Run if you get a “offer” from them & complain to your Bank or Mortgage Company if they refer you.
please go to this site to complain
https://www.ftccomplaintassistant.gov/
Damn I wish I had read this before I paid for the warranty & by writing this I pray someone will not get ripped off like I just did. My dishwasher started leaking, they sent the service company out to look at the unit, the man was hear 2 minutes said the clip for the heating element melted off & allowed the element to melt into the tub. They said the warranty would not cover the unit I still had to pay the dedudctable however the chrage for the (service company) was less than the deductable. To make it short & sweet they will not repair the dishwasher.I talked to a low life supervisor named Altina (the lady is a pc, of work) You can write to Sandi Finn at po box 551540 FtLauderdale FL 33355 but it will do no good what so ever. The service company in Cincinnati is Day’s they are someone to stay away from also. This is a huge scam dont get taken- Countrywide morgage has been in the news laughing at people loosing thier homes- dont use them or any service provided by them—
we will be happy to join in any class action suit against the rip off company of Total Protect, Cross country warranties, and CountryWide home loans. Let us know if you want to start a class action against those companies. its time we shut em down
If you noticed, I rated this company and their service company all ones. The reason for all ones? Because I could not go any lower. Stay away from This company, Cross Country admins this company. I am not afraid to tell you like it is, I have cancelled my policy with Total Protect. it is a total waste of time and money. My contract no. was, 60707972 which I was misled by CountryWide home loans that this was a company associated with them. It is not, I am sure they get their cut but this company is a rip off. My air conditioning went out on the 24th of July 08. It was such a hassle and they delay it as long as possible, they sent a repair company that works out of the back of a house in the country even though there are many real close to me. They order the wrong parts for your unit and then want to charge you to make the jury rigging to make it work. For the life of me, I cannot figure out how the service company can hold up the parts for ransom, 500.00, until you pay, After two weeks in temps close to 100 degrees, I have had enough, I am not going to be robbed by Total Protect’s service company “Aire Service of Tennessee”, even though Total Protect told me they are reviewing that company for over charging them, What the hell, if they over charge Total Protect, don t you think they will over charge the customer, the Aire Service company also informed me that they do not work for me and don t care what I want, they work for the warranty company and do what they say. That the money they wanted to charge me was their bread and butter. This home warranty company is just plain crap, CountryWide home loans should be ashamed to stick their customers with this very bad company. At the time I wrote this there are 193 other complaints on here about Total Protect. I have contacted the BBB, the State Attorney General office about how shady Total Protect is and how they delay everything hoping you will go away. I give a class for motorhome owners on the care of their vehicle 4 times a year. You can bet your sweet butt that I will be telling everyone there to stay away from Total Protect aka: Cross Country warranty serices. My advise to anyone who has a Total Protect warranty is to drop it now and put your money in the bank, you will come out way ahead. The same goes for Cross Country warranties and CountryWide home loans. These companies are only out to steel your money with those bull crap warranties and the people who works for them are misinformed, lying, uneducated, and do not give a crap about you or your problem. I got my AC repaired today for 65.00 and it is cooling great. I just wasted the 60 dollar deductible I had to pay the rip off service company. Hopefully Total Protect will go under soon and the people go to jail. Cannot go any lower in life than to work for that company. Scum is all they are. Scammers are what they are for tricking you into signing up for this warranty that they have no intention of honoring. they will stand on their heads to keep from repairing your problem. Yes, I just lost the monthly fees I had been paying for some time bt I will never do so again. May Total Protect and any company associated with it rot in hell.
3 instances of usage,
1. water heater replaced in timely manner.
2. blocked toilet turned into entire house backed up with 3 visits from very inept plumbers, finally fixed on the 4th try, then 10 months later, get threatened with leins because warranty co. never paid, so said plumber…same plumber company owner told me they don’t do anything unless have approval…
3. ceiling fan stopped working, waited over 2 weeks to get looked at after refusing access to the aforementioned inept plumbers(yes this is an electical issue?!?!), then not covered.
I would like to initiate a class action lawsuit.
Please contact me at raleighflyer@hotmail.com
See the comments here:
http://keithelder.net/blog/archive/2006/06/24/total-protect-home-warranty-good-or-bad.aspx
This company is a fraud. The information says something is covered and then, voila, it’s not. Their reps seem totally immune to customer complaints – because they get them all day long. I suppose screwing a customer then letting them vent is a good business model. They are the worst of the worst.
This company is a nightmare. I live in Houston Texas and my air conditioner has been out for 9 days and it won’t be fixed for another 5 days. The temperature here was 100 degrees yesterday. I have tried everything I can to get them to expedite my claim. I would never ever use this company. It has been very expensive. You do not save any money with this plan.
They gave me a wrong number at 1-800-331-7431 to call for their Approval Dept to approve my claim. After trying over 200 times and only gets busy signal. Later I called to confirm the number and was told that it was the correct number on 2 other occasions. Now my claim has been denied because I did not reach the Approval Dept in time and I am out $430 for the repair. Later, after 3 weeks I found out that the correct number was 1 digit off (1-800-331-7421). I feel like I got scammed by TotalProtect & I have no way to prove it. I am now a very upset TotalProtect customer!
My 88 year old Grandma received the TotalProtect flyer in the mail last week. She trusted it because it showed her bank, Associated Bank, insignia at the top. She asked me to review this to see if it is as good as it sounds. She owns a smaller older home, with potentially some expensive repairs.
The first thing I noticed is that the brochure kept referring to the “Terms and Conditions and Limitations in the Service Agreement”. This was not included, so I called the 800 number. After speaking with two people, I was told that they do not give out the service agreement ahead of time, but that once you enroll, you 30 days to review and cancel. He said we have been in business 34 years, so that speaks for itself.
First, I feel it is wrong that you have to enroll in order to see the terms and conditions. If not illegal, it is at least unethical.
Second, what is Associated Bank doing with their name and insignia associated with this? They must be getting paid to give up their own customers to the company. My Grandma thought her local bank was offerring this….
After reading these reviews, I feel confident in suggesting that Grandma W. not take this coverage.
As Deanna from KY stated, We too were thinking of purchasing the TotalProtect plan, but I wanted to check for any reviews first. THANK YOU to ALL OF YOU for your details and honesty. I told my husband, when people post their phone numbers, ID#, product numbers and email addresses, this must be pretty bad!
We received this offer in the mail from the bank we have our mortgage with. I am going to copy this blog and give it to them with some of your stories hilighted and explain that I would expect a reputable bank, such as they are, to do some research (as we did) before they offer something as unstable as this to their members. I presume they may receive a kick-back of some sort to allow this company to use their name on TotalProtects offer.
Thanks again for all the reviews, both positive and negative.
RUN!! RUN!!! RUN AS FAST AS YOU CAN FROM TOTAL PROTECT/CROSSCOUNTRY!!
Cheryl Howell the claims supervisor said, after being asked why they even offer coverage when they have an excuse for everything that could possibly happen in a lifetime and then some. “Well, if you want to pay for it, we’ll give it to you”.
R U N ! ! !
First service,wash machine broke it took a week for service person to come to house to “trouble shoot” why not working, then they had to wait for Home Protect to authorize fixing it- altogether 10 days to fix it with mounds of clothing to wash. We also had fridge problems they don’t cover ice machines!That wasn’t the problem but it did take the same 10 day wait to get problem fix.
Just recently our 16 year old fridge went out so I wanted to use the buyline service suppose to be up to 30% discount off appliances with a 2 day turn around time with price quote. Well, it took 15 Days! Plus it was less than a 10% discount which was lower than what I got in the store sale! Plus I missed the big sale at the store to save even more $$$! They only give quotes on GE, Whirlpool, Kenmore, Kitchenaid, & Hotpoint refridgerators! If you get this protection- you’re crazy! Do business with another company and save yourself the headaches we’ve expirenced! There are to many horror stories and I’m canceling ASAP.
We had this plan when our AC went out. Per the agents the only part of the repairs were covered. Our home was built in 2001 and the state has changed the effiency law. Our waranty did cover a new coils for the ac, but they did not fit the existing plemn box in the atic. This left me paying 900.00 of the 1400.00 repair. I would have done much better by putting my money in the bank.
Well, color me shocked. After submitting my first claim with TP, I came and read others comments and had decided I was in for a battle. I signed up with TotalProtect about 6 or 7 months ago, after being solicited by CountryWide. As I knew some of my systems (heat and AC) were getting a little old and even though we had them under maintenance contracts for recent years, I thought it might be a good idea to sign up for the coverage. Well, sure enough, this summer comes, and the system just can’t keep up. I thought it just needed some routine maintenance, so I called TP and they set me up with a local company. The service company checks it out and says it needs some serious repair. They submitted an estimate to TP, and other than a little mix up in communication between the service company and TP, we finally got a report today that TP would pay to repair the covered portions of our system, just as they had promised in the contract. Now, granted there were some things they would not pay for, but upon review of the contract, they were certainly within their rights to refuse those items, and I have no complaint about that. My only real complaint is the time it took to get approval, but that was not TP’s fault. I have to say, I’m pleasantly surprised! Thanks TP!
Thank you all for sharing your experiences. You have helped us make our decision to not go with Total Protect. Actually, I don’t think we’re going to go with any home appliance warranty company out there. If any of these companies want our business they better get their act together and prove it just like they ask their customers to prove there was no pre-existing condition on their appliance or that it was not properly maintained – guilty until proven innocent… a very hard thing to do.
After waiting 10 days for an A/C condenser, they replaced my Trane HD Air Conditioner with a cheap Payne A/C that would not hold up in the AZ hot weather. The A/C is the low end of Carrier and costs less than what my compressor would cost.They legally stole my A/C and then told me they couldnt do anything about it.
Have been with Total Protect for three + years have had 6 claims, none denied, and all work completed within 2 days. Repair man fixed our refrigerator compessor, three months later went down again, no deductible/charge for the second
visit. And had to get a new compressor.
too long on hold, 20-40 minutes 2 and 3 times, couldn’t understand service rep, referred us to a place 50 miles away who said that they don’t service our area, another 30 minutes on hold, I said their system was malfunctuing, they said not, mistook freezer problem for a/c problem. Place they referred us to never called us, twice! ugh.
After no hot water for 3 weeks, and getting the run around, they said that due to dust problems, yes dust, on your water heater unit we are not obliged to change your water heater. So I am stock with the $2300 bill. Who knew you had to dust your water heater in the basement???? This is a terrible company . I had two other people come independently and check the system and both said due to age of the system this needs to changed. NOne of them were told of the dust issue that total protect’s warranty companies use. The service companies are in with total protect, so that you are forced to pay them out of pocket immediately. It is not worth to have total proctect . Save your monthly premiums for a rainy day. If I could rate a zero , I would.
I had to go an entire year without an air conditioner. Just so happens…the issue with my air conditioner wasn’t covered by the warranty. I am completely dissatisfied with the plan.
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!!!