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Updated on June 12, 2023

Complete Protection Home Warranty Reviews 2023

With over 20 years of experience in the industry, Complete Protection Home Warranty has served over 40,000 homeowners. Complete Protection is among the few companies that don’t charge a deductible or service charge, saving you money in the long run.

Also, the company is connected to over 12,000 contractors, ensuring access to an extensive network of professionals for repairs or replacement services when claims are filed.

The Complete Protection Home Warranty review is a collaborative and in-depth analysis by our experts and experienced home warranty users. This examination is our attempt to provide our readers with insightful advice on various aspects like;

Company At A Glance

Years In Business 25
Plan Costs $45- $75
Waiting Period 30 days
Coverage Limits $150-$1k
Service Fee No Service Fee
Option To Pick Your Own Contractor No

User Sentiments

positive_review_icon Positive:
neutral_review_icon Neutral:
negative_review_icon Negative:

Why Complete Protection Home Warranty?

  • Complete Protection Home Warranty has served over 40,000 homeowners
  • The company has over 20 years of experience in the industry
  • Complete Protection is one of the few companies to not charge deductible or service charge
  • The company is connected to over 12,000 contractors

latest Complete Protection Home Warranty reviews

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    Dan Reiss , OK, Owasso

    I have used several home warranty companies. By far CP has been the best over the past 10 years. Never have failed to fix or offer a partial cost of replacement. CP Pays for AC/Heating preventative costs if both done at same time.

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    Adam R , CA, Chula Vista

    I just bought a home not too long ago and I am very happy with my experience with this home warranty company. They actually have a live person on the other line when you call and the people they send out are knowledgable about the repairs. I like the fact that there is no co-pay deductible payment that you have to pay first. Highly recommended! Adam R.

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    Lee Tayon , TX, Weatherford

    I have been a customer for the last two years but until recently I haven’t needed to use it. A couple weeks ago my washing machine died with clothes locked inside. A quick call to CP Home Warranty and I had repair approval. Connected MY CHOICE of repairman and CP paid them directly. Easy Peasy!! Highly recommend! L. Tayon.

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    Jennifer Wildung , KS, Overland Park

    We have had a warranty through Complete Appliance Protection for 8 years and it we have been very satisfied with their service. It has definitely been money well spent. Their customer service has been great. They work with different service companies to provide repairs and general maintenance and sometimes those service providers are not as fast as we’d like in ordering parts needed for repairs, but other than that I have no complaints. Prior to using CAP, we worked with two other home warranty companies, neither of which I’d give a good review. Complete Appliance Protection has far superior service. I highly recommend them.

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    Carlene Wilson , DE, Middletown

    We’ve been with Complete Appliance Protection about 4-5yrs now and are completely satisfied. Our home is 16yrs old and appliances started to go. When repairs were needed, it was easy to contact CAP and they always had a technician the next day. When appliances needed to be replaced, they reimbursed very quickly. The monthly payments and what they cover is right on point. Highly recommended.

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    Matt Faux , IN, Fishers

    I recently purchased the annual home warranty from CP and after reading through other reviews of top 10 home warranty lists, they were almost always near the top. The ease of use of the website, signing up, and choosing the plan the best suits your needs, made this an easy decision for me. Though I have not had to make a claim yet, from the beginning of my interaction with the website, customer service on the phone, and receiving the information from CP, my experience has been wonderful and I am more at ease knowing that they will support me.


4.6/5 (204)


3/5 (52)


2/5 (24)


4.5/5 (236)


2.7/5 (N/A)

Pros & cons of Complete Protection Home Warranty


  • Choice of own repair contractors
  • Flexible payment option
  • Does not require service call fee


  • No online support
  • Does not serve in all the states

Complete Protection Home Warranty Covered States

Complete Protection Home Warranty offers services in 47 states, excluding Massachusetts, New York and Wisconsin.

Complete Protection Home Warranty Plans and Coverage 

Complete Appliance Protection Plans has four plans and many add-on options. This means you can choose the plan that best suits your needs and add coverage for specific appliances or components to customize your plan further.

The Essential Plan covers six essential appliances and works best for those who seek coverage only for appliances. The Advanced Plan includes everything from the Essential Plan with additional items such as a refrigerator, washer, and dryer.

The Comprehensive Plan covers everything included in the Advanced Plan, plus the electrical main panel & wiring, plumbing pipe leaks, and switches. 

Lastly, the Ultimate Plan covers everything included in the Comprehensive Plan, plus additional items like drain line stoppages, faucets, toilets, light fixtures, shower heads, ceiling fans, and exhaust fans.

Let’s take a closer look at the Complete Appliance Protection plans:

Appliances / Systems  Essential Plan Advanced Plan Comprehensive Plan Ultimate Plan 
Air conditioner
Water heater
Plumbing Pipe Leaks
Electrical Main Panel
Electrical Wiring
Light fixtures
Ceiling and exhaust fans
Garage door opener
Garbage disposal
Faucets and shower heads

Optional Coverage

Furthermore, the company provides the choice of additional coverage for the following items:

  • Air Conditioning
  • Air Handler And Evaporator Coil
  • Ac Mini Split Evaporator Coil
  • Boiler
  • Cooktop
  • Deep Freeze
  • Dishwasher
  • Dryer
  • Furnace
  • Garage Door Opener
  • Garbage Disposal
  • High-End Appliance
  • Ice Machine
  • Microwave
  • Oven
  • Pool Heater
  • Pool Pump
  • Range
  • Refrigerator
  • Septic Pump
  • Septic Tank And Lateral Lines
  • Trash Compactor
  • Washer
  • Water Heater
  • Well Pump And Tank
  • Wine Cooler


Complete Protection Home Warranty Exclusions

There are a few exclusions and limitations with the Complete Protection home warranty. It’s best to be aware of them to prevent claim denials. 

Like with any home warranty company, you must first be aware that CP only covers malfunctions brought on by normal wear and tear. This coverage feature indicates that you won’t be eligible for a repair or replacement if your item breaks down due to improper care, abuse, neglect, disasters, or other causes. 

The maximum cumulative limits per CP’s contract for covered systems is up to $1000, including diagnosis, repair, replacement, and aggregate limits. The Limits may range from $100- $950 for covered appliances. 

Also, you must know that not all of your items’ parts and components are protected. The payout or coverage restrictions are similarly made very clear in the contract. Remember that you are responsible for paying any amount over the limit. It is better to read the fine print carefully to understand what’s covered and not covered in your home warranty policy

Complete Protection Home Warranty Cost

Complete Appliance Protection Plans costs $45 monthly for the Essential Plan. On the same note, the Advanced Plan starts from $55, the Comprehensive Plan from $65, and the Ultimate Plan from $75.  

The cost of the plans is above the industry average. Especially CP’s basic coverage option, the Essential Plan’s cost can be construed as a bit expensive for its coverage options. The industry average for basic plans is between $30-$40, and the $45 price point of the Essential Plan makes it a tad bit expensive. 

Similarly, the cost of the other plans of Complete Protection also exceeds the industry average by a bit. Also, the limited coverage options of the Advanced & Comprehensive Plans make them a costlier option in the market.


Essential Plan

Advanced Plan

Comprehensive Plan

Ultimate Plan 











Complete Protection does not charge any service call fee. 

With such affordable pricing, customers can have peace of mind knowing that their appliances and components are protected without breaking the bank.

Complete Protection Home Warranty Discounts

Complete Protection offers discount codes for warranties purchased through a real estate transaction. 

For example, an annual $540 Essential Plan can cost $500 through a real estate transaction.

Trustworthiness & Customer Service Of Complete Protection Home Warranty

Complete Protection Home Warranty has been around for over 20 years. Some of the company’s positive aspects include covering over 38,000 homes and paying nearly 85,000 claim requests.

The company has a rating of 4.6/5 on our platform, with the most positive reviews revolving around its quality services. The company also rated 4.1/5 on Google Reviews and an A+ accreditation on BBB with similar appreciation reviews. 

Among the company’s most attractive features is that they do not charge any deductible or service call fee on service visits, which offers considerable financial respite to the homeowners.  

On the points to improve, Complete Protection’s $1,000 coverage limit is among the lowest in the industry. Most companies offer at least $3,000 as a coverage limit, and some offer unlimited coverage. In such a scenario, a $1,000 coverage limit may not match up to the industry standards.  

All in all, Complete Protection offers a variety of plan options to fit your unique needs and doesn’t limit you to a specific list of service providers. You can choose your own service provider for any covered repair, giving you peace of mind and control over your home warranty coverage.

How To Buy A Home Warranty From Complete Protection Home Warranty?

Buying a home warranty from Complete Protection is now easy, as you can get a free quote by filling in some details on their website. You may also call their helpline and get a plan according to your preference.

Finding a suitable home warranty plan can get tricky, especially if you buy it for the first time. You can check our in-depth guide to preparing for a home warranty purchase.


Complete Protection Home Warranty Claims Filing Procedure

A customer support team for Complete Protection is available around the clock. The team tries to provide immediate assistance with repairs and replacements.

Filing a claim with Complete Protection home warranty is simple:

  • Log into your customer account to file a claim online or contact CP over the phone. The customer service representative provides you with an authorization number.
  • You can then choose a technician or service company from the Complete Appliance Protection network and get an appointment by telling them the above number.
  • You can also choose your contractor and have them diagnose the issue. Call the company to approve the repairs, and they will give you an Override Authorization Number. The technician can bill them directly under this number, or you can send the invoice and get a reimbursement.


At HomeWarrantyReviews.com, we are dedicated to providing in-depth home warranty reviews so you can choose the best home warranty company and make the most out of it. We examine, compare, and analyze the companies on the following factors:

  • Pricing: We compare the costs of home warranty plans and determine if those are cost-effective. The pricing includes monthly/annual premiums, deductibles, and customer discounts.
  • Coverage: We compare the plans offered by different home warranty companies. The coverage consists of systems, appliances, and additional offerings.
  • Claims: We look at customer reviews and determine their satisfaction with the claims filing procedure, settlement, and response times.
  • Transparency: We verify if the home warranty company is licensed within the appropriate industry and offer details on the CEOs, contractors, and several settled claims.
  • Uniqueness: We examine whether the company offers additional services, advantages, or coverage alternatives that set them apart.
  • Customer Engagement: We assess the determination of home warranty companies responding to consumer problems in our Complaint Resolution Program.

Editorial Note On Complete Protection Home Warranty

According to our editorial analysis, with its range of four plans, Complete Protection Home Warranty caters to the diverse needs of homeowners. Each plan provides coverage for a combination of appliances and systems, allowing customers to choose the level of protection that best suits their requirements. 

Complete Protection can be a preferred pick for homeowners seeking appliance-specific protection or systems-based coverage. However, it is important to consider that the cost of Complete Protection Home Warranty plans is slightly higher compared to the industry average for basic plans. On the positive side, the company does not ask you to pay the service call fee, which can help balance the premium that you pay every month.


Complete Protection Home Warranty is known for its broad range of plans for homeowners, real estate agents, house inspectors, landlords, and tenants. While the company has received positive reviews for its quality services, and its extensive experience in the industry. However, it is worth noting that the price of the plans can be a decisive point for homeowners. 

Therefore, when considering a home warranty plan, it is advisable for homeowners to thoroughly evaluate and compare multiple options based on their specific needs and budgets.


Quick Details About the Company 


President Jim Ingram

Year Of Establishment



1532 NE 96th Street, Suite A, Liberty, MO, 64068

Type Of Company


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Does CP Give Unlimited Coverage Caps On The Systems And Appliances?


The maximum cumulative limit for covered systems under CP’s contract is $1000, which includes diagnosis, repair, replacement, and aggregate limits. For covered appliances, the limits may range from $100 to $950. It is advisable to read the fine print to understand the terms and conditions better.


Can I Join CP To Get My Broken System Or Appliance Fixed?


Unfortunately, a home warranty plan only protects functional systems and appliances from future breakdowns. Your items will only be covered if they can be verified in working condition by a simple home inspection. 

Though many companies claim not to ask for home inspections, getting one reduces the chances of claim denial.


What Does Complete Protection Not Cover?


CP doesn’t cover the items that many other companies usually do: Pool, spa, sump pump, ductwork, roof repairs, other structural systems, and sprinkler system.

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Complete Protection Home Warranty reviews

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