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Started in 1992, Universal Home Protection (UHP) provides comprehensive coverage for homeowners, homebuyers, sellers, and realtors. Initially, the company was established to serve only the customers of Wisconsin but later expanded to northern Illinois and the Chicago area.

This review has been curated based on extensive research conducted by our editorial team and existing customer reviews. This review aims to assist homeowners in the following ways:

  • Providing information on various plans, coverage, costs, and exclusions
  • Offering a step-by-step guide for filing claims
  • Presenting genuine feedback from UHP customers

Why Universal Home Protection?

qualified_local_techinician

Universal Home Protection carries 30 years of experience

affordable_pricing

UHP’s plans offer 13 months of coverage

affordable_plans

The company offers extensive coverage under the Basic plan

HomeWarrantyReviews.com

fourhalf_star

4.5/5 (40)

Angi

fourhalf_star

4.7/5 (13)

Yelp

twohalf_star

2.5/5 (8)

Explore Verified Consumer Reviews for Universal Home Protection

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Bianey Millan , WI, Racine
five_star

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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Mary Siebers , WI, Appleton
five_star

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

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pamela hamm , WI, Milwaukee
five_star

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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Barb Reetz , WI, Oshkosh
five_star

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.

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Lisa Orman , WI, Black Earth
five_star

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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AD , WI, Madison
five_star

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.

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Pros & cons

Pros

  • Hires only professional contractors or technicians after rigorous checks
  • Charges a lower deductible
  • Covers unknown pre-existing conditions

Cons

  • Does not offer an option to opt for monthly plans

Enquire For Cost-effective home warranty plans

Protect Your Home Appliances And Systems Starting As Low As $1.5/Day

Plans & Coverage Of Universal Home Protection

Universal Home Protection has three home warranty plans: Basic, Elite, and Ultimate. 

Now, to better understand the coverage, take a look at the table below:

Items 

Basic Plan

Elite Plan

Ultimate Plan

Heating & Air Conditioning
Electrical
Plumbing
Water Heater
Built-In Microwave
Kitchen Refrigerator
Ice Maker (Kitchen Refrigerator)
Wall Oven / Range / Cooktop
Built-in Dishwasher
Garbage Disposal
Ceiling Fans
Exhaust Fans
Smoke & CO Detectors
Garage Door Opener
Door Bell / Chime
Washer
Dryer
Jetted Bathtub
Stand-Alone Freezer
Sump Pump
Water Softener
Wine Chiller
Unknown Pre-Existing Conditions

 

Optional Coverage

You can customize and enhance your coverage by opting for the following add-ons in exchange for some extra fees:

Find out what else your home warranty cover by taking a free quote here!
Find out what else your home warranty cover by taking a free quote here!
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Find out what else your home warranty cover by taking a free quote here!
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Coverage Limitations & Exclusions

UHP has coverage limits for repairing or replacing covered items. The aggregate dollar limit is set up to $5000/malfunction. Take a look at the table below to find the coverage limits:

Items

Limits / item

Heating System

$2,300

Water Heater

$1,000

Air Conditioning System

$2,300

Electrical

$2,000

Garage Door Openers

$600

Bathroom / Ceiling Fans 

$500

Plumbing

$2,000

Primary Appliances

$1,000

Kitchen Refrigerator 

$400

Ice Maker In Refrigerator

$400

Oven / Range

$500

Water Softener, Stand-Alone Freezer, Sump Pump

$1,000

Wine Chiller

$500

Universal Home Protection may also not cover certain situations that fall outside the scope of their coverage policy.

Note: We recommend homeowners review UHP’s contract to learn more about the company’s limitations and exclusions.

Universal Home Protection Cost

Universal Home Protection plans come with a 13-month coverage period. The homeowners’ plans range between $625 – $2,850/year, depending on the type of your home. 

The total price depends on other factors, such as add-ons you choose or your area of residence. Look at the table below to learn more about the annual pricing.

Type Of Home

Basic Plan

Elite Plan

Ultimate Plan

Single-Family

$625

$725

$825

Duplex

$1,100

$1,300

$1,500

Three Unit

$1,575

$1,875

$2,175

Four Unit

$2,050

$2,450

$2,850

UHP’s pricing for single-family homes is affordable, considering the coverage provided. Moreover, all plans require a $100 deductible, which the homeowners pay during each service visit. However, for other types, the costs are a bit expensive.

Review of Plans, Coverage & Customer Service Of Universal Home Protection

Drawing from over 775 customer reviews, Universal Home Protection has garnered overwhelmingly positive feedback. The company has mainly stood out for its responsive customer service, earning numerous recent commendations and establishing itself as a trusted option for homeowners.

Review of Universal Home Protection Plans & Coverage

Review of Universal Home Protection’s Customer Service

Universal Home Protection Claim Filing Procedure: Phone Number, Web Portal, & Online Form

To file a claim, you can follow these steps:

Conclusion

Universal Home Protection has received favorable reviews across various platforms, emphasizing their prompt response to claims and the professionalism of their contractors. However, it’s crucial to consider that the company exclusively offers yearly subscriptions, which could impact your budget significantly.

Therefore, we highly recommend carefully evaluating the plans and pricing, reading customer reviews, and thoroughly understanding the terms before making a purchase decision.

Looking for the finest home warranty? Get your free quote right here!
Looking for the finest home warranty? Get your free quote right here!
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Looking for the finest home warranty? Get your free quote right here!
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Quick Details About The Company

The table below will help you know more about the UHP. Take a look:

President

James Imhoff

Year Of Establishment

1992

Address

1111 Deming Way UNIT 207, Madison, WI 53717, United States

Why Should You Trust Us?

Frequently Asked Questions (FAQs)

Q.

Does Universal Home Inspection Conduct A Home Inspection Before Approving Policies?

A.

No, a home inspection will not be conducted by UHP before approving a policy. However, it’s essential to understand that the company does not cover pre-existing conditions under homeowners’ plans. So, you must ensure your systems and appliances are in good condition when the policy is initiated.

Q.

Will It Help If I Read Universal Home Protection Reviews?

A.

Yes, reading reviews helps you understand other homeowners’ experiences with the company. The intricate details in these Universal Home Protection reviews will 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.

Q.

Is Plumbing Coverage Included Under Universal Home Protection Plans?

A.

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

Q.

Do I Need A UHP Home Warranty If I Have Homeowners Insurance?

A.

Homeowners insurance covers unforeseen events like theft or fire, but it won’t protect your systems and appliances from normal wear and tear. Therefore, having a UHP home warranty is advisable, as it covers damages to your devices caused by wear and tear.

Q.

How Many States Are Covered By Universal Home Protection Warranty?

A.

Universal Home Protection serves home warranty services to residents of Wisconsin, the northern part of Illinois, and the Chicago area. 

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Customer Reviews On Universal Home Protection

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By clicking Submit, you agree to the Terms and Conditions

We Follow These Rules To Keep It Clean

We allow reviews only from genuine customers of home warranty companies, past or present. Your review should be genuine and not provided in the expectation of monetary rewards from any company.

Reviews from employees of home warranty companies or named competitors are not encouraged. We will also not allow reviews that are too short or abusive. We may withhold reviews that in our discretion do not meet the above criteria.

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