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Universal Home Protection Review 2023

Name: Universal Home Protection
Brand: Universal Home Protection
Price: 40 USD
Availability: InStock
Rating: 3.2 (40 reviews)

For more than 30 years, Universal Home Protection (UHP) has been providing quality home warranty services in the States. This UHP review focuses on the company’s coverage, plans, costs, and customer services. Read more below!

3.2/5 (40)

Submit Your Details & Get A Quote Now!

Save Big On The Appliance Repair Costs add this

Plans costs
$40-$50

Service fees
$75

31 Years in
Business

Covers in 2
states.

By HomeWarrantyreviews.com Team | Reviewed By Shashank Ramesh

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 Universal Home Protection review has been curated based on extensive research conducted by our editorial team and the input of our users who have shared their experiences. This review aims to assist potential 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?

Universal Home Protection carries 30 years of experience

UHP’s plans offer 13 months of coverage

The company offers extensive coverage under the Basic plan

HomeWarrantyReviews.com

3.2/5 (40)

Angi

4.7/5 (13)

Yelp

2.5/5 (8)

Explore users’ experience of Universal Home Protection

Bianey Millan , WI, Racine

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!

Mary Siebers , WI, Appleton

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

pamela hamm , WI, Milwaukee

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.

Barb Reetz , WI, Oshkosh

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.

Lisa Orman , WI, Black Earth

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!

AD , WI, Madison

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.

Pros & cons

Pros

Hires only professional contractors or technicians after rigorous checks
Charges a lower deductible
Member of National Home Service Contract Association

Cons

Services only in some parts of the Midwest
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

Email address

Plans & Coverage Of Universal Home Protection

Universal Home Protection has three home warranty plans in total- Basic, Elite, and Ultimate.

Basic Plan covers 18 home systems and appliances.
Elite Plan covers everything from the Basic coverage plus four more items, making 22 home systems and appliances. The four extra items are water softeners, stand-alone freezers, sump pumps, and wine chillers.
Ultimate Plan covers everything from the Elite Plan plus unknown pre-existing conditions. However, the plan can be purchased only when buying or selling a home.

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

Items	Basic Plan	Elite 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		✓
Water Softener		✓
Sump Pump		✓
Wine Chiller		✓

Optional Coverage

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

Additional Built-In Microwave
Additional Range, Wall Oven, Cooktop, Refrigerator, Built-In Dishwasher
Septic System, Sewer Lateral Cleaning
Additional Water Heater or Well Pump
Additional Heating or Air Conditioning System
Swimming Pool, Spa, or Combination Pool/Spa

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.

Neglect, lack of maintenance, or unforeseen circumstances: Universal Home Protection may not cover the repair or replacement of an item if it is damaged due to neglect, lack of maintenance, or unforeseen circumstances. The unforeseen events may include flood, fire, accident, war, theft, vandalism, acts of God, etc.
Known Pre-existing Conditions: Universal Home Protection may not cover the repair or replacement if an item in your home has a known pre-existing condition. This means any defect to the covered home system or appliance existing before the plan was purchased will not be covered.

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 $525 – $1825/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
Single-Family	$525	$625
Duplex	$925	$1,025
Three Unit	$1,325	$1,425
Four Unit	$1,725	$1,825

UHP’s pricing for single-family homes is affordable, considering the coverage provided. Moreover, all plans require a $75 deductible, which the homeowners pay during each service visit. However, for other types, the costs are a bit expensive.

Trustworthiness, Customer Services, & Editorial Note Of Universal Home Protection

Universal Home Protection offers two plans starting from $525. The Basic Plan covers 18 items in its catalog, and The Elite Plan covers 22 items at the price point of $625. The company has an aggregate coverage limit of $5,000, which is commendable compared to the market standards.

UHP’s plans cover major appliances and systems, with the most expensive appliances covered under the Basic Plan. The Elite Plan covers all the items listed under the Basic Plan and includes stand-alone freezers, water softeners, sump pumps, and wine chillers for an additional $100.
The items covered under the Basic Plan would be sufficient for most households as the additional items included in the Elite Plan may not be a regular feature in an average American middle-class household.
The company only offers annual contracts and has no option for monthly payments. This may be uncomfortable for households that run on a strict budget. Many homeowners look for monthly payment options due to the reduced financial burden, and a lack of such options may discourage many homeowners.
The coverage limit offered by UHP is one of its standout features, and it promises value for money through its generous limit of $5000.
The coverage limits offered for individual appliances such as heating, water heater, air conditioning, electrical, and plumbing are also generous. The coverage limits for these items are among the highest in the industry.
With respect to its customer service, the company has received positive feedback on prominent platforms such as Google Reviews and BBB, with a rating of 4.5/5 and 4.89/5, respectively.
Most positive reviews revolve around UHP’s prompt response to customers’ claims, considerate contractors, and the timely resolutions they offer.

Our editorial opinion is that UHP’s wide range of home systems and appliance coverage makes it considerable for homeowners who want comprehensive home coverage.

Claim Filing Procedure

To file a claim, you can follow these steps:

Visit the company’s website and locate the “File a claim” option. Alternatively, you can choose the emergency claim option if you need a prompt response.
Provide your details, such as your name, address, UHP account number, email, and phone number.
Select the system or appliance you wish to file the claim.
Specify the make and model of the system or appliance, and upload a photo of it.
Briefly describe what happened and the issue you are facing with the system or appliance.
Click the submit button and wait for the response from the company.

Once your request is processed, a technician will arrive at your home to fix the issue. During the service visit, you will be required to pay him the service fee or deductible ($75).

Note: If you are experiencing difficulty completing a claim, contact customer service by calling 1-888-321-6355 (toll-free) or Fax (608) 831-0286

Methodology

At HomeWarrantyReviews.com, we are dedicated to providing in-depth home warranty reviews so you can choose the best home warranty company & 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 claim 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 it apart.
Customer Engagement: We assess the determination of home warranty companies responding to consumer problems in our Complaint Resolution Program.

Conclusion

In conclusion, most positive reviews suggest Universal Home Protection is a reliable choice for customers residing in Wisconsin and northern Chicago & Illinois. Still, to make an informed decision, we suggest you obtain free quotes, evaluate plans & pricing, read customer reviews, and comprehend the terms before purchase.

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

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We allow users to connect directly with the company's representatives to resolve issues through our Complaint Resolution Program

Universal Home Protection FAQs

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

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.

Will It Help If I Read Universal Home Protection Reviews?

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

Is Plumbing Coverage Included Under Universal Home Protection Plans?

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.

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

Home insurance policies protect your home in case of unforeseen events, such as theft or fire. However, they will not cover your systems and appliances if they get damaged due to normal wear and tear. Therefore, getting a home warranty is a good idea, even if you have home insurance.

Here, the UHP home warranty will do the job and protect your devices if they get damaged due to normal wear and tear. Plus, it is a 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.

How Many States Are Covered By Universal Home Protection Warranty?

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