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Total Home Protection is a smaller home warranty brand and, according to multiple 2024–2025 editorial reviews, does not operate in California or Washington (Forbes Home; U.S. News 360 Reviews). State regulators in both states require specific authorization/registration, and THP does not appear on those rosters (California Department of Insurance; Washington OIC). The Better Business Bureau profile also lists the business as not operating and reflects an F rating as of 2025 (BBB).
Where quotes are available, recent sources place typical monthly premiums in the mid-$40s to low-$60s depending on plan and location, with promotions that may include 1–2 months free or $100–$200 off at sign‑up (U.S. News; Forbes Advisor; MarketWatch Guides; ConsumerAffairs). Given BBB’s “not operating” flag, verify live service, pricing, and discounts directly with THP before purchasing (BBB).
Total Home Protection Overview
- Plan types: Gold, Platinum, Optional
- Pricing: Quote-based; recent independent reviews cite roughly $45–$60+ per month depending on home and ZIP (U.S. News; Forbes Advisor).
- Service fees: Not currently published by THP; many 2024–2025 sources cite about $75 per service request (sometimes up to ~$125). Verify in your quote/contract (MarketWatch Guides; U.S. News).
- Workmanship guarantee: 90‑day labor guarantee reported historically. Note that many home services benchmark at 1 year or longer; disclosures should be clear per federal warranty law (FTC, Home Depot, Lowe’s).
- Contract length: 1 year or 5 years (confirm availability and any multi‑year discount at quote).
- BBB rating (Letter): F; not accredited; BBB currently lists the business as not operating (check status before enrolling) (BBB).
- Home inspection required? No requirement specified
- States served: Most states, but not California or Washington (per recent reviews and regulator rosters); additionally, BBB lists the business as not operating—confirm active service in your state (Forbes Home; U.S. News; CA DOI roster; WA OIC; BBB).
- Available appliance and system coverage: Historical plan menus include Air Conditioning System, Heating System, Refrigerator, Clothes Washer, Clothes Dryer, Plumbing System, Plumbing Stoppage, Water Heater, Whirlpool Bathtub, Electrical System, Oven / Range / Stove, Cooktop, Sump Pump, Built-in Microwave, Dishwasher, Garbage Disposal, Trash Compactor, Ductwork, Garage Door Opener, Ceiling and Exhaust Fans, Pool / Spa, Limited Roof Leak, Central Vacuum, Well Pump, Septic System, Septic Pumping, Stand Alone Freezer, Water Softener, Refrigerator Ice Maker, and Free-standing Ice Maker.
| Plan Type | Gold | Platinum | Optional |
| Monthly Premiums | Quote-based; recent third‑party reviews cite ~$45–$60+ per month | Quote-based; recent third‑party reviews cite ~$45–$60+ per month | Quote-based; varies by selected add‑ons and promotions (e.g., 1–2 months free or ~$100–$200 off) |
| Appliances Covered | Water HeaterWhirlpool BathtubOven / Range / StoveCooktopSump Pump (permanently installed)Built-in MicrowaveDishwasherGarbage DisposalTrash CompactorGarage Door OpenerCeiling and Exhaust Fans | RefrigeratorClothes WasherClothes DryerWater HeaterWhirlpool BathtubOven / Range / StoveCooktopSump Pump (permanently installed)Built-in MicrowaveDishwasherGarbage DisposalTrash CompactorGarage Door OpenerCeiling and Exhaust Fans | Pool / SpaAdditional SpaLimited Roof LeakCentral VacuumSump PumpWell PumpSeptic PumpingSecond RefrigeratorStand Alone FreezerWater SoftenerRefrigerator Ice MakerFree Standing Ice MakerAdd’l Water Heater (each)Add’l Garage Door Opener (each) |
| Systems Covered | Plumbing SystemPlumbing StoppageElectrical SystemDuctwork | Air Conditioning System (2 units)Heating System (2 units)Plumbing SystemPlumbing StoppageElectrical SystemDuctwork | Septic SystemAdd’l A/C System (each)Add’l Heading System (each) |
Who is this best for?
If you can confirm an active quote and service capability in your state, THP’s historically modular plan design and add‑ons can suit homeowners seeking budget‑minded coverage for aging appliances and core systems. However, recent BBB data and editorial checks warrant caution; verify live contractor support, service fees, and workmanship terms in writing. Given widespread consumer scrutiny of reviews, triangulate across multiple sources and look for recent, verified feedback and company responses (BrightLocal). Also note 2024–2025 market realities: elevated parts/labor costs and tight contractor capacity can lengthen repair timelines across the industry (BLS CPI; Angi Research).
Pros:
- Three tiers of coverage. The company offers three different options with add‑ons (e.g., pool/spa, second fridge, well/septic), allowing customization to the home’s systems and appliances.
- No limit on number of claims. THP materials historically state there is no limit on the number of claims per policy. Because business status can change, confirm this clause in your current contract.
- Free account transfer. Policies have been transferable at no charge when selling a home or moving; verify this remains in the current agreement.
- 24/7 claims hotline. A round‑the‑clock number is listed to file a claim at any time. Because the BBB lists the business as not operating, verify live support and dispatch capability before enrolling.
Cons:
- Not available in CA or WA. Multiple 2024–2025 sources confirm THP excludes California and Washington; regulators in both states do not list THP as authorized/registered (Forbes; U.S. News; This Old House; CA DOI; WA OIC).
- Operational and satisfaction risks. The BBB lists THP as not operating with an F rating; across the broader category, consumers frequently cite delays and claim disputes—get written confirmation of service fees, coverage caps, and workmanship terms before purchase (BBB; BLS CPI).
The Competition
| Total Home Protection | American Home Shield | Cinch | Liberty Home Guard | |
| States served | Most states; excludes CA and WA | 49 | 48 | 36 |
| Reviews rating | BBB F; not accredited (business listed as not operating) | BBB B; accredited (see latest profile) | See BBB profile for current status | BBB A+; accredited |
| Service fee | Not currently published; verify at quote | $100, $125 or $150 | $100, $125 or $150 | $65–$125 (varies by plan and region) |
| Workmanship guarantee | 90 days | 30 days | 180 days | 60 days |
| Customizable? | Yes | Yes | No | Yes |
| Other | 3 tiers of coverageFree account transfer | 4 tiers of coverage | 3 tiers of coverage | 3 tiers of coverage |
*All information accurate as of November 2025. BBB ratings and fees can change; verify on the provider’s site and BBB profile at purchase.
Total Home Protection compared to Liberty Home Guard
Availability differs: recent sources indicate Total Home Protection excludes California and Washington, while Liberty Home Guard markets nationwide availability; always confirm state eligibility at checkout (Forbes; U.S. News on THP; U.S. News on LHG).
Service costs: THP’s current service fee is not publicly posted; reviews historically cite about $75 per call (verify in writing). Liberty Home Guard typically charges a $65–$125 service fee depending on plan and location (LHG FAQ). THP lists a 90‑day workmanship guarantee, while LHG indicates 60 days; guarantees can vary, so review current contracts before buying.
Reputation signals diverge: Liberty Home Guard holds an A+ BBB rating with accreditation, whereas Total Home Protection currently shows an F rating and is not accredited (U.S. News on LHG; MarketWatch on THP; BBB).
Total Home Protection compared to Cinch
Cinch offers multiple plan tiers and publishes tiered deductible options of $100, $125, or $150 per visit (Cinch FAQs), while THP does not currently post a service fee (historically around $75, but confirm in your quote). Both companies’ plans cover major home systems and appliances; THP has historically offered 1‑year and 5‑year terms (verify availability and discounts in a current quote).
Cinch advertises a 180‑day workmanship guarantee—longer than THP’s 90‑day term—while many large providers price service fees within a $65–$150 industry range in 2025 (Cinch FAQs; U.S. News on AHS). Rising parts and labor costs continue to pressure premiums and deductibles across the sector (BLS CPI).
Cinch has a BBB profile you can check for the latest rating with the Better Business Bureau, while Total Home Protection graded with a C+. For THP, independently confirm live customer support and contractor dispatch times before enrolling.
The Bottom Line
Total Home Protection offers flexible plan structures and historically competitive, quote‑based pricing. As of 2025, however, the BBB lists the business as not operating with an F rating, and multiple sources confirm THP does not operate in California or Washington (BBB; Forbes; U.S. News; CA DOI; WA OIC).
If you can obtain an active quote, expect typical premiums around $45–$60+ per month (before add‑ons) and promotions like 1–2 months free or ~$100–$200 off, with a service call fee historically near $75—but verify all terms in writing (U.S. News; Forbes Advisor; MarketWatch Guides; ConsumerAffairs). In today’s market, many competitors’ service fees fall between ~$65 and $150, and contractor capacity constraints can impact repair timelines (U.S. News on AHS; Cinch; LHG; Angi Research).
As always, it’s best to compare all home warranties to find the one that fits your appliances, state availability, and budget. Pay special attention to workmanship guarantees (90 days vs. 180 days or 1 year), service fees, coverage caps, and complaint history before you decide (FTC warranty guidance).
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