Blue Ribbon Home Warranty Review 2023

Blue Ribbon Home Warranty Plans & Coverage

Blue Ribbon Home Warranty offers three plans namely Silver, Gold, and Platinum. The Silver Plan includes heating and electrical systems along with 11 other frequently utilized home systems and appliances. Everything that is covered by the Silver Plan is also covered by the Gold Plan, plus a few additional things like a washer and dryer. For homeowners seeking full coverage and fewer exclusions on covered parts, Blue Ribbon Home Warranty’s Platinum Plan is the most comprehensive option. 

The coverage for each plan is compared below in the table: 

Silver Plan Heating System Ductwork Plumbing System Water Heater Built-in Whirlpool Tub Sump Pump Electrical System Garage Door Opener Central Vacuum Doorbell (wired) Over-the-Range Microwave Garbage Disposal Trash Compactor Shop Plans

Gold Plan Heating System Ductwork Plumbing System Water Heater Built-in Whirlpool Tub Sump Pump Electrical System Garage Door Opener Central Vacuum Doorbell (wired) Over-the-Range Microwave Garbage Disposal Trash Compactor Washer Dryer Central A/C, Evaporative Cooler, Heat Pump, or Whole-House Fan Shop Plans

Platinum Plan Heating System Ductwork Plumbing System Water Heater Built-in Whirlpool Tub Sump Pump Electrical System Garage Door Opener Central Vacuum Doorbell (wired) Over-the-Range Microwave Garbage Disposal Trash Compactor Washer Dryer Central A/C, Evaporative Cooler, Heat Pump, or Whole-House Fan Blue Ribbon Premier Upgrade Preventive Maintenance Check* 2nd Garage Door Opener Shop Plans

Blue Ribbon Home Warranty Exclusions

Blue Ribbon Home Warranty is no different from other home warranty providers, and has exclusions to the coverage they provide. A few of the components or parts not covered by the home warranty plan are listed below: 

Plumbing

The following items are not covered by Blue Ribbon Home Warranty plumbing coverage: plumbing fixtures, urinals, electronic controls, touch controls, caulking and grouting, blockages in incoming water lines, water flow restrictions caused by chemical or mineral buildup, inadequate or excessive water pressure, water softeners, septic tanks, sewage ejector pumps, circulating pumps, sprinkler systems, saunas, steam rooms, collapsed pipes, plastic piping, and sedimentary buildup.

Ductwork

Repairs for flue ducts, vent dampers, and power vent units, as well as concerns with collapsed, crushed, and inadequately sized ducts, zone damper systems, registers, or grills, are not covered.

Kitchen Appliances

Clocks, self-cleaning mechanisms, timers, meat probes, interior lining, door glass, tubs, water reservoirs, refrigerant, refrigerant recapture, ceramic and glass stove tops, refinishing or replacement of countertops, cabinets, tile, and floors, portable dishwashers, countertop microwave ovens, appliance knobs and handles, lights, removable baskets, lock and key mechanisms, and interior lining are not covered in the Kitchen Appliances by Blue Ribbon Home Warranty.

Electrical

Lighting fixtures, ceiling and attic fans, intercoms, smoke, fire, and burglar alarms, low-voltage lighting controls, garage door springs, transmitters, and security touch pads are among the electrical system components that are not covered by the Electrical Blue Ribbon Home Warranty.

Heating

Portable units, filters, electronic air cleaners, humidifiers, circulating pumps, fill valves, backflow preventers, purging, steam systems, blockages in water lines, water flow restrictions, chemical or mineral deposits, baseboard casings, and fireplaces are examples of heating system components that are not covered by a Blue Ribbon plan.

It is advisable to read the coverage exclusions listed on the sample contract for Blue Ribbon Home Warranty to get a better understanding. Also, this would help in preventing future claim denials due to non-covered parts. 

Blue Ribbon Home Warranty Claims

If your covered appliance or system breaks down, you follow the listed steps to file a successful claim:

• You can file a claim online or by calling 303-986-3900. 
• Once the request has been approved, Blue Ribbon will send a pre-approved technician, who will get in touch with you to set up an appointment within 24 hours (excluding Saturdays and holidays). 
• In the absence of any local professionals, Blue Ribbon Home Warranty will let you hire a technician of your choice. 
• The technician will diagnose the issue and revert to the company. If the faulty part is covered under the plan, the company instructs the technician to repair or replace it. 

Note: The 24/7 claim center for Blue Ribbon is open. You have three days from the time the issue is discovered to submit a service request.

How much does Blue Ribbon Home Warranty Costs?

The starting price is $345, and the annual fees vary from $124 to $664. This is appealing when you consider that the deductibles are $55 instead of the industry average of $75, which is lower. The limitations range from $600 to $1,600, which is a little more than majority companies have to offer.