ServicePlus Home Warranty Review

Competitive pricing, though homeowners may not like the limited plan options.

We publish unbiased product reviews; our opinions are our own and are not influenced by payment we receive from our advertising partners. Learn more about how we review products and read our advertiser disclosure for how we make money.

We publish unbiased product reviews; our opinions are our own and are not influenced by payment we receive from our advertising partners. Learn more about how we review products and read our advertiser disclosure for how we make money.

We recommend the best products through an independent review process, and advertisers do not influence our picks. We may receive compensation if you visit partners we recommend. Read our advertiser disclosure for more info.

ServicePlus Home Warranty
Investopedia’s Rating
4.0

Our Take

ServicePlus Home Warranty offers two plans with competitive pricing. The company operates throughout the US except California and Nevada. Though a relatively new home warranty company, ServicePlus offers plans in line with many of their competitors and a fairly seamless claims process. According to our research, 74% of survey respondents claim the cost is the most important factor to consider,with 63% saying service fees as another important one — if you’re looking for a budget-friendly option, ServicePlus may be right for you.

That being said, their claim response is average amongst the industry and at times longer if it’s during a weekend or holiday. In our research, almost half of respondents (48%) mentioned speed of response is important — if it’s yours, this is something to keep in mind. Before signing up for a plan, take a look at the review below to help you make an informed decision.

  • Pros & Cons
  • specifications
Pros & Cons
Pros
  • Available in 48 states and D.C.

  • Ability to use own contractor upon approval

  • Offers unlimited number of claims

  • Large contractor network – 10,000 certified technicians

Cons
  • Longer than average claim response times

  • Not as many customization options as competitors

  • Not available in two states

specifications
Website
https://www.serviceplus.com/
Year Founded
2016
Average Annual Cost
$464.19
Service Fees
$75
Response Time
48 - 96 hours
Payout Cap
$1,500 per item
Coverage Area
AK, AL, AR, AS, AZ, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MP, MS, MT, NC, ND, NE, NH, NJ, NM, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UM, UT, VA, VI, VT, WA, WI, WV, WY
Out of Network Technician
Yes
Pricing Available Online
No
Sample Contract Available
Yes
Waiting Period
Yes
Why Trust Us Investopedia collected key data points from several home warranty providers to identify the most important factors to customers. We used this data to review each provider for cost, availability, coverage options, and other features to provide unbiased, comprehensive reviews to ensure our readers make the right decision for their needs. Read our Full Methodology
38 Providers reviewed
35 Criteria considered
875 Data points analyzed
59 Primary data sources used

Company Overview

Founded in 2016, ServicePlus offers home warranty coverage through most US states. There are two plans which are fairly competitively priced compared to some of its competitors, though their claims response time is somewhat longer than others. 

The two plans offered may be limited to some — in particular, the basic doesn't offer coverage for a washer, dryer, and kitchen refrigerator. The optional add-ons are what you'd typically find with other home warranty companies. 

Currently, ServicePlus isn’t rated by the BBB, and customer reviews on the website haven’t yielded satisfactory results. One thing to note is that there is currently legal action being taken against the company for allegedly deceiving vulnerable populations. Though the latter may not affect your contract with the company, keep in mind the BBB reviews and longer response times may be an indicator of your experience. 

States Covered

Liberty Home Guard covers 48 states and D.C. — the following are the states where you can purchase a ServicePlus home warranty plan:

  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Almost half of survey respondents (47%) mentioned one of the most important aspects of a home warranty company is coverage and support. Meaning, it’s a smart idea to check to see if a plan is available in your state before going any further. 

Available Plans

ServicePlus offers two home warranty plans:  

  • Gold: This plan offers coverage for select appliances and systems including your water heater, plumbing, dishwasher, garage door opener, and cooktop.
  • Platinum: You’ll receive coverage for all systems and appliances in the Gold plan, plus heating and cooling system, washer, dryer, and refrigerator. 

Here is what each plan covers:

  Gold Platinum 
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
A/C system
Heating system
Clothes washer
Clothes dryer 
refrigerator

Real Estate Plans

ServicePlus also offers home warranty plans for real estate professionals. The plans may not be the same ones offered to consumers — it’s best to contact the company to purchase a plan.

The company also offers real estate professionals an online account in which they can communicate with ServicePlus and purchase plans easily. 

Plan Pricing

ServicePlus doesn’t not readily show their plan pricing on their website, though you can get a quote relatively quickly by filling out their online form. In general, the cost of your plan will depend on where you live. 

Here’s a sampling of prices we found in our research:

  • The cost of a Gold plan in Florida is $444. per year, whereas it costs $484.02 in Texas
  • The cost of a Platinum plan in Texas is $524.04 and $525.04 in Florida

The average cost of a Liberty Home Guard plan was slightly lower to other home warranties we’ve researched at $484.19 per year compared to an industry-wide average of $574. 

Additional costs to keep in mind is the service fee — what you’ll need to pay each time a technician comes to fix a covered item. ServicePlus’ fees are in line with many other competitors at $75.

It’s important to budget the monthly plan fees for your policy, plus service fees. 70% of our survey respondents mentioned the annual or monthly cost of a home warranty plan is more important compared to service fees.

Optional Add-Ons

The optional add-ons for ServicePlus are in line with what you see with many of its competitors. 

Here are the items, systems, and appliances that can be added to a ServicePlus plan:

  • Pool/spa 
  • Limited roof leak
  •  Central vacuum 
  • Sump pump 
  • Well pump 
  • Septic system 
  • Septic plumbing 
  • Second refrigerator 
  • Stand alone freezer 
  • Water softener 
  • Refrigerator ice maker 
  • Free standing ice maker 
  • Additional A/C system 
  • Additional heating system 
  • Additional water heater 
  • Additional garage door opener 
  • Additional oven/range/stove 
  • Additional spa

Types of Damage Covered

ServicePlus provides a sample contract on their website, outline the types of damage covered in one of their policies.  

In general, here’s what covered:

  • Covered items that become inoperable due to normal wear and tear
  • Covered tems located outside the main home foundation or garage, except for certain items such as the well pump
  • Covered items that are in proper working order and in place at the policy took effect

Keep in mind there may be some limitations as to what a home warranty plan will cover. It’s best to check the fine print before signing up for a policy so you understand what you’re getting into. 

Plan Exclusions

ServicePlus home warranties do come with exclusions and limitations. You’ll be able to see them in the sample contract on their website. 

Examples of items not covered include:

  •  Cosmetic defects of appliances or systems
  • Mechanical failures due to other causes such as neglect, lack of maintenance or mold
  • Costs related to construction or carpentry

Payout Caps and Limitations

ServicePlus has caps and limitations to their home warranty plans. While some companies limit the total aggregate payout it makes per year, ServicePlus limits the amount that can be paid out per item. More specifically, the company has a total payout to $1,500 per item. 

Depending on the value of your appliances and systems, this amount may or may not be enough. Check to see whether this payout cap is enough for you — if not, you may have to shop around for another plan. 

Response Time

ServicePlus claims its customers will have their claims processed within 48 hours during weekdays, and up to 96 hours during holidays and/or weekends. However, this isn’t a guarantee — our research shows the average response time is 72 hours.

The ability to choose their own technician was important for 34% of our survey respondents. The good news is ServicePlus offers this option if you want to work with someone of your choosing.

Customer Service and Claims Process

Liberty Home Guard offer a number of ways for customers to request a technician and make a claim against their policies:

  • Online: https://www.serviceplus.com/
  • Phone: (800) 545-0402

Customer Satisfaction

As alluded to above, ServicePlus may not have the best reputation amongst its existing customers, with an average BBB score of 1.34 across 232 reviews. In December 9, 2021, ServicePlus agreed to pay $400,000 in restitution as part of a settlement due to the company engaging in deceptive marketing practices. The company has also agreed to change their business practices. 

That’s not to say you’ll have a negative experience, but it is something to keep in mind as you’re shopping around for plans. 

ServicePlus vs. the Competition

Liberty Home Guard, one of ServicePlus’ competitors, has some features that may be more or less attractive depending on our needs. 

  ServicePlus Liberty Home Guard
Average Cost of Plan $484.09 $587.49
# of Plans Available Two Three
Customer Satisfaction, BBB score (and number of reviews) 1.34 / 5
(232)
4.63 / 5
(1,215)
Service Fee (average) $75 $105
States covered 48 (excludes CA and NV) 47 (excludes WA, WI, WY)

Pricing for ServicePlus plans is around $100 less per year on average compared to Liberty Home Guard. However, where Liberty Home Guard is their customer satisfaction ratings and availability of plans. You can choose from three types of plans — which could indicate a higher level of customization — and many of their customers appear to be happy with its services. 

Though some of these factors give Liberty Home Guard a better edge, it’s available in less states than ServicePlus. 

Our Verdict

Verdict

ServicePlus offers basic, no-frills plans with competitive pricing, though those who are looking for more unique coverage may not like what’s on offer. Plus, homeowners who want coverage for appliances such as their washer and dryer have no choice but to opt for their Platinum plan. 

While the BBB ratings and recent lawsuit settlement may be worrisome, the company has agreed to change its business practices. Still, with many other competitors out there with nationwide coverage it may be better off looking elsewhere. 

ServicePlus FAQs

How Much Does a ServicePlus Home Warranty Plan Cost?

The average price of a ServicePlus Home Warranty plan costs $484.09, though prices will depend on where you reside. 

What Does ServicePlus Home Warranty Cover?

Depending on the plan you choose, here’s what is covered in a ServicePlus Home Warranty plan: 

  • 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
  • A/C system
  • Heating system
  • Clothes washer
  • Clothes dryer 
  • refrigerator

How Much is a ServicePlus Home Warranty Service Fee?

Service fees for ServicePlus home warranty services cost $75.

How Do You File a Claim With ServicePlus Home Warranty?

Liberty Home Guard offer a number of ways for customers to request a technician and make a claim against their policies:

  • Online: https://www.serviceplus.com/
  • Phone: (800) 545-0402

Methodology

There are several aspects to consider when evaluating a home warranty company and its coverages. To assist in your decision process, our methodology for reviewing home warranties includes a quantified scoring system that evaluates four major categories - total plan cost, coverage and support, customizability and transparency. Within those four major evaluation categories we look at 18 core features that include annual plan fees and service fees, claim response times, payout caps, states available, contract length range, customizable coverages, ability to use own repair person, free cancelation, plan pricing, plan exclusions and other plan provisions available online. We assign fractional score values ranging from 0.00 to 1.00 points for each feature and then weight those feature values according to subject matter expert advice and consumer survey importance ranking.  We also compare features for each company to industry average values determined from our data collection for the top 25 home warranty providers. Third-party ratings and customer satisfaction scores are factored in to help assess a home warranty company’s overall quality, suitability and value.