With a CCHS home warranty, when breakdowns happen you could be covered with just a small deductible. And unlike homeowners insurance and manufacturer warranties, a home warranty covers appliance and systems failures that occur as a result of aging. As long as you do your part to maintain your home, systems and appliances, CCHS has you covered for the rest.
I had the Masterpiece Protection Plan. About a year after moving into my new home, the heat pump starting having problems. After seven visits and repairs, it continued to break down once a month. The repair technician said the unit needed to be replaced. The warranty company refused to replace the unit and, instead, kept doing the minimum possible to get it working. The last time it broke, I had issues with their solutions and continued charges for deductibles for the same fixes, but each time I spoke to the representative, it took another business day or two for them to get the requests to the “approvers.â€ I was without a/c for almost two weeks in the middle of a heat wave. I ended up having to pay for a new unit out of pocket. I also had a leak in the bathroom shower. A plumber came out and fixed it, but had to put a hole in the wall. The plumber said he did not do drywall repairs. HMS offered to pay $75 for me to have someone else to come out and fix it, but no one would come out for that amount – the average price was $160. HMS said they don’t cover structural repairs, but as a courtesy they would pay up to $75. I paid a $100 deductible already and the repair work for the damage caused by the repairman to fix the leak should have been (in my opinion) covered. Maybe I am being unreasonable, but I think it should all all be part of the repair and covered under the $100 deductible I already paid. I still have large a hole in my wall that I will end up paying out of pocket to fix. I agree with many of the others who posted here – save your money and set aside the equivalent of the premium and pay for the repairs yourself. Each repair incident averaged around $120-140. With my deductible, the warranty company paid out $20-40 per incident – the monthly premium was more than that. Remember, these companies are in business for profit. That means, on average, you will pay more for a warranty than for any repairs you would normally come across. Warranties are normally good for budgeting; however, in this case, that still doesn’t apply – the deductibles still apply. Out west, other warranty companies charge a $40 deductible and the premiums are much lower. They are also a lot more responsive and more willing to do what is right.