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Home  /   Companies /   Universal Home Protection
icon Last updated: February 2, 2021

Universal Home Protection Review 2021

Universal Home Protection started offering services in 1992. Today, Universal Home Protection provides comprehensive coverage for homeowners, homebuyers, home sellers, and realtors alike. Being a niche home warranty provider, the company offers services only in a few states, including Wisconsin and Illinois. The company also offers quality home warranty maintenance services in Chicago.

Universal Home Protection Home Warranty ensures that only the best technicians come over to fix malfunctioning devices. Every contractor goes through rigorous checks before they get appointed by the company. Find out more about Universal Home Protection’s plans, cost, and reviews below.

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33 Reviews

Premium

$425-$495

Deductible

$85

Coverage Limits

N/A

BBB Rating

A

Active States

2

Complaint Resolution Program

No

N/A

Estimated Appliance Coverage

N/A

Estimated System Coverage

2

No. Of Active States

No

Complaint Resolution Program

WHY Universal Home Protection?

  • Affordable plans
  • Easy process to file a claim
  • Coverage available for water softener
  • Plans available for 13 months
  • Optional coverage available for homebuyers
  • Member of the National Home Service Contract Association (NHSCA)
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Universal Home Protection PLANS

UHP home warranty offers customers three major home warranty plans, which are as follows -

1. Ultimate- The plan covers items that include garage door openers, heating & air conditioning, garbage disposals, water softeners, sump pumps, etc.
2. Elite- Items such as ceiling fans, stand-alone freezers, wine chillers, exhaust fans, and more get covered under this plan.
3. Basic- Dryers, jetted bathtubs, cooktops, and other critical home systems and appliances are covered under this option.

Note that the company also provides optional coverage and several other plans for realtors, homebuyers, and sellers. You must go through their contract to understand intricate details regarding home warranty coverage and plans available at the current moment.

Universal Home Warranty Cost And Coverage

The Ultimate Plan cost is $725 for 13 months, and the deductible amount charged is $75, respectively. Customers opting for the Ultimate Plan are required to pay $625 for 13 months, and the necessary service call fee charged for this option is $75. On the other hand, the Basic Plan costs a nominal $525 for 13 months, and the deductible amount needed to be paid is $75.

You can find out the cost of other plans through their service contract or get in touch with the company’s customer service team.

Basic
  • Washers
  • Dryers
  • Built-in Microwave Oven
  • Garage Door Opener
  • Doorbells
  • Water Heater
  • Garbage Disposal
  • Air Conditioning System
  • Heating System
  • Plumbing System
  • Jetted Bathtub
  • Kitchen Refrigerator Ice Maker
  • Ceiling and Exhaust Fans
  • Kitchen Refrigerator
  • Built-in-Dishwasher
  • Smoke & CO Detectors
  • Wall Oven/ Range/ Cooktop
Elite
  • Washers
  • Dryers
  • Built-in Microwave Oven
  • Garage Door Opener
  • Electrical System
  • Doorbells
  • Water Heater
  • Garbage Disposal
  • Stand Alone Freezer
  • Air Conditioning System
  • Heating System
  • Plumbing System
  • Sump Pump
  • Wine Cooler
  • Water Softener
  • Jetted Bathtub
  • Kitchen Refrigerator Ice Maker
  • Ceiling and Exhaust Fans
  • Kitchen Refrigerator
  • Built-in-Dishwasher
  • Smoke & CO Detectors
  • Wall Oven/ Range/ Cooktop
Ultimate
  • Washers
  • Dryers
  • Built-in Microwave Oven
  • Garage Door Opener
  • Electrical System
  • Doorbells
  • Water Heater
  • Garbage Disposal
  • Stand Alone Freezer
  • Air Conditioning System
  • Heating System
  • Plumbing System
  • Sump Pump
  • Wine Cooler
  • Water Softener
  • Jetted Bathtub
  • Kitchen Refrigerator Ice Maker
  • Ceiling and Exhaust Fans
  • Kitchen Refrigerator
  • Built-in-Dishwasher
  • Smoke & CO Detectors
  • Wall Oven/ Range/ Cooktop
  • Unknown Pre-existing Conditions

Universal Home Protection CLAIMS

You can file a claim by visiting the claims page on the Universal Home Protection Site. Once you have reached the page, you must select the devices you are filing a claim for. You must also submit the necessary details of the model and make of the device, that is giving trouble.

Do not forget to mention important details such as name, home address, email id, and phone number while submitting your claim. It is also vital that you provide details as to what exactly happened with the problematic items. Once all the necessary boxes are checked, you can go ahead and get your claim processed.

Do not forget to pay the technician the necessary service fee once the diagnosis has been presented to you. If you are having trouble filling a claim, feel free to reach out to customer care by dialing 608-831-0285.

Note If you are satisfied with the service offered, get in touch with customer service for a UHP warranty renewal. Customer care will be happy to assist you with the procedure so that your policy continues in the near future.

Universal Home Protection STATES AVAILABILITY

  States Covered
  Corporate Office
  States Not Covered

Universal Home Protection: Worth It?

If you are looking for plans that fit your budget, Universal Home Protection is your best option. Plus, the company is taking extra precautions to ensure your safety when technicians come into your home to fix problematic devices. Universal Home Protection Reviews also state that several customers are happy with the company’s services.

If you want to check out, more companies scroll through the Best Home Warranty Companies for more options.

More on Home Warranties:

UNIVERSAL HOME PROTECTION FAQs

Does Universal Home Inspection conduct a home inspection before approving policies?

No, a home inspection will not be conducted by the company before approving a policy. But it’s important to understand that the company does not cover pre-existing conditions under its contract. So you must make sure your systems and appliances are in good condition when the policy gets initiated.

Will it help if I read Universal Home Protection reviews?

Yes, reading reviews helps you get an idea of other people’s experiences with the company. Intricate details will be mentioned in these reviews that give you a clear picture of what to expect when you opt for the company. It’s also a good idea to share your experience with other homeowners as this helps them make the best decision possible.

Is plumbing coverage included under Universal Home Protection Plans?

Yes, plumbing issues are covered under the Ultimate, Elite, and Basic Plan. Depending on your requirements, you must choose a plan that suits your needs, as several other devices also get covered under a single plan.

Do I need a UHP home warranty if I have homeowners insurance?

Purchasing a UHP home warranty is a good idea, even if you have a home insurance policy in place. While home insurance policies protect your home if any unforeseen event such as theft or fire occurs, it will not cover your systems and appliances if they get damaged due to normal wear and tear. UHP home warranty will protect your devices if they get damaged due to normal wear and tear and start malfunctioning. Plus, it is a known fact that systems and appliances tend to start giving trouble with age, which makes it all the more worthwhile to protect your devices with a UHP plan for the future.

Universal Home Protection REVIEWS

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Brett Bilzing, Waunakee, WI

On Mar 11, 2020

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I was told by someone in the office I would receive full reimbursement of cost invoiced to repair a microwave. I decided to purchase a new microwave which cost less then invoiced to repair warranty microwave. I have two microwaves now, one that doesn't work and a new one that cost the same as my deductible. It cost UHP nothing to have my appliance replaced since I was miss lead. I would not recommen ..Read Full Review

I was told by someone in the office I would receive full reimbursement of cost invoiced to repair a microwave. I decided to purchase a new microwave which cost less then invoiced to repair warranty microwave. I have two microwaves now, one that doesn't work and a new one that cost the same as my deductible. It cost UHP nothing to have my appliance replaced since I was miss lead. I would not recommend wasting money, time or effort using them for a warranty on a new home or existing. Your better off paying out of pocket or using another company. As a franchise business owner that is world wide, if I have an employee miss lead a customer, we eat the cost. We don't put it back on the customer, bad for business. UHP needs to learn to work with there customers on principle or they will end up not having any. ..View less

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Bianey Millan, Racine, WI

On Mar 06, 2020

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This home warranty is so great! My water pump broke and I filed a claim and they called immediately and someone came to fix it asap! My washing machine broke and they gave us store credit to buy a new one! Never had a problem! They were always so fast to fix the problems and never made anything complicated! Really recommend them!

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Adam Drover, Cottage Grove, WI

On Jun 11, 2019

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BEWARE OF THIS SCAM! They wont cover something if it wasnt maintained properly. If you're buying a house. How do you know if something was maintained properly or not? And its your responsibility to understand how HVAC and appliances work to know if the previous owners did proper maintenance. Here is the kicker. They send out technicians that decide if something was maintained properly or not s ..Read Full Review

BEWARE OF THIS SCAM! They wont cover something if it wasnt maintained properly. If you're buying a house. How do you know if something was maintained properly or not? And its your responsibility to understand how HVAC and appliances work to know if the previous owners did proper maintenance. Here is the kicker. They send out technicians that decide if something was maintained properly or not so they basically have a golden ticket to get out of covering anything. ..View less

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Randy Paternoster, Oshkosh, WI

On May 03, 2019

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I'm a customer of the company and filled out a claim online about my washer leaking water. I read the terms and conditions and thought I was covered. I then received a phone call from Universal Home Protection about setting up an appointment to have someone come out and look at my washer. I thought it was weird that UHP did not ask me about what was wrong with my washer in our phone call? Found out after ..Read Full Review

I'm a customer of the company and filled out a claim online about my washer leaking water. I read the terms and conditions and thought I was covered. I then received a phone call from Universal Home Protection about setting up an appointment to have someone come out and look at my washer. I thought it was weird that UHP did not ask me about what was wrong with my washer in our phone call? Found out after I paid $75 to have someone come out to look at my washer (and only took 5 minutes to know what was wrong) that they would not cover the issue. I knew what was wrong with my washer and explained this in my description. Yet, no one from UHP asked me any questions during our phone call to help me save $75. UHP's terms and conditions can be misleading and the company seems like they are more interested in getting your money than customer service. ..View less

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John Smith , Madison, WI

On Mar 11, 2019

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What a sham! Do not buy this. I have bought home insurance every time I’ve moved - which because of my job is a lot- and only needed it one time. The one time they interpreted words of a technician report (that they chose) and decided not to cover. Save your money to fix your own problems because they will not.

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Mary Siebers, Appleton, WI

On Oct 22, 2018

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Always pleased with response to repairs and contractors. Would recommend to others.36

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pamela hamm, Milwaukee, WI

On Jun 11, 2018

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We have used UHP twice already and found them extremely helpful, competent and have had a great experience with the contractors they’ve sent to help us with any issues we’ve encountered.

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George Gunderson, Milton, WI

On Jun 03, 2018

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I was given a UHP home warranty with a home that I recently purchased. I moved into said home on May 18, 2018. Upon arriving the home that afternoon, I set the air conditioner to 72 degrees Fahrenheit as the high temperature outside was 79 degrees Fahrenheit. The air conditioner thankfully ran beautifully as it was not able to be inspected by the Home inspector as it was winter when the inspection took p ..Read Full Review

I was given a UHP home warranty with a home that I recently purchased. I moved into said home on May 18, 2018. Upon arriving the home that afternoon, I set the air conditioner to 72 degrees Fahrenheit as the high temperature outside was 79 degrees Fahrenheit. The air conditioner thankfully ran beautifully as it was not able to be inspected by the Home inspector as it was winter when the inspection took place. I had the air on May 19, May 23, May 24, and May 25th and it worked perfectly fine as the temperatures those days were well into the seventies and eighties. Finally, on May 26, the air went out and I called UHP to set up an appointment to have someone check it out and stated that it was an emergency as I have a 1 year old child living with me. I expected to hear back from them immediately and I did not. On Tuesday morning of May 29, a random truck pulls into my driveway. It turns out to be the owner of Al Beyers, Inc. here to look at my air conditioner. Thankfully I was home at the time and the man checked out my Air conditioner. He stated that the ac was leaking refrigerant and it needed a tube replaced. He stated that the total would be about $800 but he was also going to add some items that he considered "maintenance" but was going to tell UHP was repairs and the total with that maintenance would be about $1200. I do not specifically remember what he was going to do, but he specifically stated that UHP would completely cover it and I was absolutely thrilled that I would be covered and everything would be simple. He then stated that instead of doing the repair, I could use the $1200 towards the instillation of a new AC, as mine has lived beyond its life expectancy. I stated that would be absolutely perfect, as I would have been fine covering the difference in the price of a new AC, as I was quoted about $3000 for a new unit. After this interaction was complete, I get a call from UHP stating that they would not be covering any of the costs of the AC as Al Beyers told them that the AC leaked so much refrigerant already that the leak could not have been a new leak. Thus stating that any preexisting conditions that exist within the house are not covered under the UHP home warranty. I become flabbergasted and state that's what a house is. One big preexisting condition. After getting nowhere with UHP and feeling like I had just been played good cop-bad cop by a contractor and a home warranty company I decide to get multiple opinions on my Air conditioner. After speaking frankly with a very nice AC contractor, he states that the cheapest thing that he could possibly do for the Air conditioner would be to put refrigerant back into the AC for a mere $80 and hope that the leak is not a very big one and hope the AC lasts me as long as it can. That is what I assume the previous homeowner must have done with the AC. That is why the AC had worked previously and I had no reason to call UHP immediately after I had moved into the home. It was hot enough a few days before the heat wave over memorial day weekend that I could run the air fine with no problems. So the leak may or may not have been a new leak. There is no way to prove that. And even if the leak was an old leak, the AC worked fine over those few days before I contacted UHP about the issue and UHP should go through litigation against the previous owner over the issue as I am the one that is covered under warranty. Plus, Where does it say UHP does not cover preexisting issues within their terms and conditions? that is an absurd proposition. ..View less

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Barb Reetz, Oshkosh, WI

On Feb 10, 2018

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I bought this home warranty when I bought my house and I keep renewing just in case. I have had a few major things replaced and the customer service is stellar. They even have an emergency hours answering service. Their techs in the Oshkosh area are great companies. I have been 100% satisfied with all the work I have had done. I would highly recommend Universal Home Protection. I have friends who are wit ..Read Full Review

I bought this home warranty when I bought my house and I keep renewing just in case. I have had a few major things replaced and the customer service is stellar. They even have an emergency hours answering service. Their techs in the Oshkosh area are great companies. I have been 100% satisfied with all the work I have had done. I would highly recommend Universal Home Protection. I have friends who are with other warranty companies and they aren’t as happy as I am. ..View less

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Tony D, janesville, WI

On Jan 08, 2018

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This company is perfectly fine taking your money, just don't file a claim and you'll be fine. We just found out they decided to exercise their right to not renew our warranty after 5 years and 1 major claim. I definitely know who I won't be recommending to clients. Nice work UHP.......

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Rob William, madison, WI

On Nov 27, 2017

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How about no stars, and the B- rating is too high. Before going to this company read their warranty on their site. Essentially, it excludes coverage on any appliances that are not so new that they will not break. I recommend using a national warranty company such as American Home Shield or 2-10. I have used both and they actually cover repairs and replacement of systems. Call UHP after you sign the warr ..Read Full Review

How about no stars, and the B- rating is too high. Before going to this company read their warranty on their site. Essentially, it excludes coverage on any appliances that are not so new that they will not break. I recommend using a national warranty company such as American Home Shield or 2-10. I have used both and they actually cover repairs and replacement of systems. Call UHP after you sign the warranty and they will tell you why you are not covered. Remember the commercial on home warranties that only covered zombie apocalypse? UHP could star in that commercial ..View less

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Lisa Orman, Black Earth, WI

On Jul 10, 2017

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Josh is a stand-up guy. Very responsive, professional, and if he can find a way to provide coverage, he will, rather than finding something in fine print to deny coverage. A+, would strongly recommend!

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Steve W, Waunakee, WI

On Apr 24, 2017

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A week after ELITE coverage is purchased(recommended by our realtor), the water softener fails(starts leaking). We filed a claim and a week later a technician contracted by UHP comes out to check it out. He recommends full replacement. UHP denies it, because the water softener is "too old". Well ya, no kidding. The idea behind UHP's Peace of Mind warranty coverage is to provide replacement or f ..Read Full Review

A week after ELITE coverage is purchased(recommended by our realtor), the water softener fails(starts leaking). We filed a claim and a week later a technician contracted by UHP comes out to check it out. He recommends full replacement. UHP denies it, because the water softener is "too old". Well ya, no kidding. The idea behind UHP's Peace of Mind warranty coverage is to provide replacement or fixing of systems that came with a real estate purchase. The is NO PEACE OF MIND with this warranty company because they fail to live up to the terms of their warranty. We have over 352 days left of peace of mind warranty coverage that won't apply if UHP "decides" the repair/replacement is "too old". This company is a LEMON. AVOID AT ALL COSTS. ..View less

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rob key, nonya, WI

On Sep 28, 2016

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Stay away from them!!!!! Even if there is one service call and looking at all plumbing related items - UHP will charge you the $75 deductible for each item. Water heater, slow to drain skin, and tub facet. $75 each and the parts for all 3 items was $80...But let's charge the homeowner $225. a Co-worker of mine also had an issue with UHP when they had an emergency and had to call a plumber on the weeken ..Read Full Review

Stay away from them!!!!! Even if there is one service call and looking at all plumbing related items - UHP will charge you the $75 deductible for each item. Water heater, slow to drain skin, and tub facet. $75 each and the parts for all 3 items was $80...But let's charge the homeowner $225. a Co-worker of mine also had an issue with UHP when they had an emergency and had to call a plumber on the weekend. UHP didn't pay for the repairs because they were not called first. ..View less

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AD, Madison, WI

On Jun 17, 2016

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I left a review previously for our experience with our water heater failing - this time, we found that our air conditioning was no longer functioning. We called UHP and a service call was scheduled for two days later. I was able to meet the repairman and he replaced the broken part within two hours. We paid the $75 deductible and that was it. We normally would replace parts ourselves (we have an expe ..Read Full Review

I left a review previously for our experience with our water heater failing - this time, we found that our air conditioning was no longer functioning. We called UHP and a service call was scheduled for two days later. I was able to meet the repairman and he replaced the broken part within two hours. We paid the $75 deductible and that was it. We normally would replace parts ourselves (we have an experienced handy man in the family nearby), but the part alone would have been almost $400 if we had purchased it from a parts supplier. We really weren't sure it was worth it to have the home warranty included with our home purchase, but it has paid off. The water heater replacement was around $1,000 so we have paid a total of $600 (policy + two deductibles) for about ~$1700 in repairs. ..View less

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AD, Madison, WI

On Oct 20, 2015

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Our hot water heater failed catastrophically two months after we purchased an older home. It was two months out of warranty (just over 6 years old) and went from working fine, no leaks, to dramatically cracking and gushing water. It was on a weekend so they were unable to do anything for several days because they don't cover overtime labor- they just told us to cut off the water and gas and wait. On Mond ..Read Full Review

Our hot water heater failed catastrophically two months after we purchased an older home. It was two months out of warranty (just over 6 years old) and went from working fine, no leaks, to dramatically cracking and gushing water. It was on a weekend so they were unable to do anything for several days because they don't cover overtime labor- they just told us to cut off the water and gas and wait. On Monday, the repair company arrived promptly (actually, two hours early) and had the repair done in record time. 3 hours later we had hot water again. They replaced it with the same brand and size we had previously. I paid the $75 deductible and that was it - they said it was a $1,000 cost. The operator at UHP was helpful (though she did not return my calls very promptly - she said she was slammed with calls that weekend and she was the only person there) and the repair company was professional. The person at the plumbing company I spoke with about the problem before the workmen came out was extremely informative. He spent 20 minutes talking to me about water heaters, and answering all of my questions comprehensively. All in all, it was a great experience and I'm glad we went with the home warranty. It saved us around $500. I'm still skeptical that it makes sense statistically that something covered will break, but it worked out for us. ..View less

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Jade, Madison, WI

On Jun 18, 2015

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I read these reviews and was scared when our refrigerator broke down. I gave UHP a call and someone was out to repair it the next day. They gave me the option to have my current fridge fixed or gave me credit towards a new one. I chose to buy new and they reimbursed me within a week and a half. Great company. Would highly recommend!!

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KB, Portage, WI

On May 23, 2015

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My overall rating is strictly based on my own personal situation. I bought a home with this warranty in place. It was one of the reasons I felt secure in purchasing the home. The furnace is 35 years old, all appliances were also around 30 years old. So here is the catch.....my refrigerator went out. It was a 32 year old refrigerator. Since they can still get a hold of a part to replace the broken on ..Read Full Review

My overall rating is strictly based on my own personal situation. I bought a home with this warranty in place. It was one of the reasons I felt secure in purchasing the home. The furnace is 35 years old, all appliances were also around 30 years old. So here is the catch.....my refrigerator went out. It was a 32 year old refrigerator. Since they can still get a hold of a part to replace the broken one then they cannot replace the 32 year old refrigerator!!! So....I was still stuck with an old refrigerator or purchasing a new one and deducting the parts and labor cost from the purchase of a new one! So, this is a complete scam when it comes to the loopholes regarding a home with older appliances and heating and air units. The service people that I have dealt with have been fantastic. However, this warranty program does me no good at all. Since they made things to last years ago I guess I am completely out of luck with this company. ..View less

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Denny Birk, Franklin, WI

On Mar 23, 2015

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Woke up to a cold house, thermostat was set at 78 furnace would not heat the house over 59. called Universal Home they sent a fellow out to look at it he said it needed to may parts so they put in a NEW furnace at no charge other than my $85.00 deductable. I am warm as toast now thanks to Universal Home.

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Victor, Zion, IL

On Jan 12, 2015

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I had to call them soon after we purchased our home due to plumbing issues. We had a pipe backing up and fecal matter and goodness knows whatever else went into our washing machine, utility sink and the floor. Called them and they said it sounded like an issue with pipes outside the home and wouldn't cover it. $435 dollars later it's fixed thanks to Roto Rooter =) We did purchase a new washer and dryer. ..Read Full Review

I had to call them soon after we purchased our home due to plumbing issues. We had a pipe backing up and fecal matter and goodness knows whatever else went into our washing machine, utility sink and the floor. Called them and they said it sounded like an issue with pipes outside the home and wouldn't cover it. $435 dollars later it's fixed thanks to Roto Rooter =) We did purchase a new washer and dryer. It just wasn't worth the hassle of getting told no again. Sadly now I have to cal them about electrical issues and dreading it. Did anyone get anything that explains EXACTLY what they cover? We didn't. Even checking the website it's very vague. Just a general checklist. So FYI concerning plumbing, they don't cover ANY plumbing issues outside of the residence. Made no sense considering it's connected to the home. ..View less

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Universal Home Protection RATINGS

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33 Reviews in Total

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