Complete Protection Home Warranty Review

The Complete Protection Home Warranty review now focuses on the specific differentiators Complete Appliance Protection, Inc. (dba Complete Protection) promotes: a $0 service-call fee/deductible and the ability to choose your own licensed technician with prior authorization, alongside concise plan language on the company’s sites (Complete Protection) and (Complete Home Warranty). Final coverage, limits, and approvals are defined by the state-specific contract presented at checkout; always review that document before purchasing.

Instead of lengthy legalese, Complete Protection emphasizes plain-language terms and state addenda you can review online before enrollment. Because home warranties are regulated at the state level, verify any state-specific conditions in the contract and (where applicable) corroborate availability/licensing using regulator resources such as the California Department of Insurance’s roster of licensed Home Protection Companies and Washington State’s service contract provider list (CA DOI list) and (WA OIC list).

Customization generally comes from selecting a plan tier and adding optional items; the $0 service-call fee model is intended to keep repair-time costs predictable. For HVAC claims specifically, be aware that 2025 federal refrigerant transitions may influence parts availability, technician readiness, and cycle times—an industry-wide factor to consider when comparing contracts and refrigerant allowances (EPA AIM Act technology transitions).

Complete Protection Home Warranty Overview

• Plan types: 4 tiers are marketed (names shown below); availability and inclusions can vary by state contract
• Pricing: Quote-based; varies by location, home profile, and selected plan/options
• Service fees: $0 service-call fee/deductible advertised (official site)
• Workmanship guarantee: Not published by Complete Protection; when you choose your own licensed technician, workmanship/labor coverage typically comes from that contractor’s guarantee and may differ by trade. For context, some installation-intensive sectors publish explicit workmanship/labor coverage (e.g., roofing programs with up to 30 years via manufacturer-backed guarantees and solar systems with comprehensive labor coverage) (GAF Golden Pledge) (SunPower) (Tesla Energy). Separate from voluntary guarantees, state limitation/repose periods govern defect-claim windows (e.g., Texas and Florida) (Texas statute of repose) (Florida statute of repose).
• Contract length: Month-to-month billing options may be available; confirm terms in your state-specific contract
• BBB rating: Use the current BBB Business Profile to verify letter grade, accreditation, customer review score, and complaint counts; search by legal name “Complete Appliance Protection, Inc.” (BBB search)
• Home inspection required? Reserves the right to request a copy of your home inspection
• States served: Availability varies by state; verify on the company sites (company homepage) and cross-check regulators where relevant (CA DOI) (WA OIC)
• Available appliance and system coverage: By plan and optional items; exact inclusions, caps, and exclusions are defined in the state contract

Who is this best for?

If you value predictable out-of-pocket costs and want to use a trusted local contractor, Complete Protection’s $0 service-call fee and customer-choice technician model can be appealing (official site). This approach also fits buyers navigating elevated repair costs and parts/labor inflation, especially for appliances and HVAC—pressures noted broadly across the home-repair market (BLS CPI: appliance repair). If you anticipate a move or prefer flexibility, check whether month-to-month billing is available in your state contract, and remember that the 2025 HVAC refrigerant transitions may lengthen HVAC claim timelines industry‑wide (EPA). Also, with many providers shifting toward direct-to-consumer digital experiences and more modular offerings, comparing state contracts side-by-side remains the best way to align coverage with your needs (industry context).

Pros

• $0 service-call fee – The company advertises no deductible/trade call fee, which can help keep repair-time costs predictable (official site).
• Concise, plain-language terms – State-specific contracts outline what’s covered, caps, and exclusions in a straightforward format available online (company site).
• Choose your own licensed technician – You can use your preferred contractor with prior authorization; this can be useful where you already have a trusted local pro or during regional demand surges (official site).

Cons

• Workmanship terms depend on the contractor – Complete Protection does not publish a centralized workmanship guarantee; if you choose your own technician, workmanship/labor coverage typically follows that contractor’s policy, which can vary by trade. Installation‑intensive sectors sometimes publish long-duration workmanship or labor coverage, but those frameworks are not directly comparable to service calls (example) (example).
• Prior authorization and 2025 HVAC transition impacts – Using your own technician requires pre‑approval for reimbursement, and HVAC claims across the industry may face longer cycle times due to refrigerant changes and training/supply constraints (EPA).

The Competition

Complete Protection compared to American Home Shield

American Home Shield (AHS) offers three core plans—ShieldSilver (major systems), ShieldGold (systems + appliances), and ShieldPlatinum (adds elevated limits and extras like roof‑leak repair coverage; details vary by state). AHS also lets you select a Trade Service Call Fee at enrollment, with premiums varying based on the fee you choose (AHS plan compare) (ShieldPlatinum overview). Complete Protection, by contrast, emphasizes a $0 service‑call fee and a customer‑choice contractor model (with prior authorization) (Complete Protection).

Both companies’ pricing and caps are state-specific and quote-based. If HVAC coverage is a priority, review each provider’s current contract language for refrigerant allowances and code upgrades—especially in light of 2025 refrigerant transitions that may affect parts availability and repair timelines (EPA).

Operationally, AHS typically dispatches from its contractor network, while Complete Protection’s model is designed for customers who prefer to use a known local technician (subject to pre‑approval). Decide which service model better fits your expectations for scheduling and accountability.

Complete Protection Home Warranty compared to Liberty Home Guard

Liberty Home Guard (LHG) runs a three‑plan structure—Appliance Guard (appliances), Systems Guard (systems), and Total Home Guard (both)—with one of the broader catalogs of optional add‑ons in the category (LHG compare). Service fees are variable and disclosed at purchase in the state-specific contract (LHG terms). Complete Protection’s differentiators are the advertised $0 service‑call fee and the flexibility to use your own licensed contractor (with authorization) (source).

For both providers, pricing and caps are quote-based and defined by the contract shown during checkout. If you need a large number of add-ons (e.g., pool/spa equipment or specialty items), LHG’s menu may be attractive; if predictable per-visit costs and contractor choice are paramount, Complete Protection’s structure can be compelling. In either case, verify per-item and aggregate limits, waiting periods, workmanship terms, and any HVAC refrigerant allowances in the exact contract you will sign.

Coverage footprints evolve over time. Verify availability for your ZIP on each provider’s site, and for regulated states you can corroborate licensing/authorization via state regulators (e.g., California DOI; Washington OIC) (CA DOI) (WA OIC).

The bottom line

If you’re comparing home warranty choices in 2025, Complete Appliance Protection, Inc. (dba Complete Protection) stands out for its $0 service‑call fee, straightforward plan language, and customer‑choice contractor model (official site). Because availability and terms are state‑specific, confirm details in the contract you’re shown at checkout and validate eligibility in regulated states via the appropriate regulator lists (CA DOI) (WA OIC). For a snapshot of current customer‑experience signals, consult the business’s BBB profile for the latest letter grade, accreditation, review score, and complaint counts (BBB search), and weigh contract factors—caps, exclusions, workmanship coverage via your contractor, and HVAC refrigerant language—against your priorities.

Learn more:

• Do I Need a Home Warranty?
• Do I Need Homeowners Insurance and a Home Warranty?
• Survey: 73% Of People Are Satisfied With the Outcome of Their Home Warranty Claims

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