Optimum Home Shield is an independent provider of home warranty products. Although its brand is a newer one, Optimum Home Shield is a subsidiary of one of the largest groups in the industry: Fortega. The company’s leadership team also has extensive history and experience, accumulative of 70+ years.
Whether an individual currently owns a home, is in the process of purchasing or selling a home, or is covering a home as a working professional, Optimum Home Shield has an option available to ensure partial or complete protection. Depending on the coverage needed, Optimum Home Shield can essentially cover the home and everything inside of it.
The main focus behind Optimum Home Shield is to protect clients from the high costs associated with repairing or replacing various aspects of the home and its operating systems. With an Optimum Home Shield warranty, clients can expect a product that is packed full of a wide range of benefits that can ultimately save hundreds or thousands of dollars in the event of unforeseen damage or repairs.
Clients looking to get started will need to provide some basic information and an individualized quote will be supplied. This quote will coincide with the coverage the client desires to protect their home. All Optimum Home Shield products are fully insured and backed, so clients can rest assured that the financial backing is in place to relieve covered financial burdens.
Clients can choose from three different coverage plans that Optimum Home Shield:
|Appliance Plan||Total Systems Plan||Full House Plan|
Coverages vary from home warranty provider to home warranty provider, but with the Full House Plan from Optimum Home Shield, clients can access one of the most complete coverage options available on the market.
When most people think of people in need of home warranties, traditional homeowners come to mind, and for good reason. Most home warranty companies solely offer solutions to homeowners. But with Optimum Home Shield, a variety of clients can take advantage of its coverage plans, including homeowners, realtors, and contractors.
The biggest complaint from home warranty customers is how challenging it is to file a claim and not understanding deductible requirements. Both of those complaints are addressed by the Optimum Home Shield platform. To file a claim, clients can simply call or file a claim online that will be addressed in a timely manner. Additionally, deductibles are disclosed at the time the contract is arranged, and Optimum Home Shield claims these rates are among the lowest in the home warranty industry.
The Optimum Home Shield platform prides itself on offering an affordable product. Part of this affordability commitment means that Optimum Home shield also offers flexible payment options. Clients can select an option that best works with their current financial situation.
Monthly payment plans are available for those that want to break up costs throughout the year. There are also annual and multi-year payment plans for those that want to take advantage of additional product discounts. Most home warranty providers stick to one form of payment plan, but Optimum Home Shield makes it easy for clients to fit the cost of a home warranty into their budget however they see fit.
Despite offering three clear plans to clients, there is no pricing information provided to prospective Optimum Home Shield clients. Other home warranty providers offer baseline prices to give researching clients a general idea of what to expect.
Additionally, there is no fee information released. For example, if an Optimum Home Shield professional is dispatched to determine coverage and costs, there is no information regarding how much that service will be.
While Optimum Home Shield is backed by a global insurance conglomerate, the branch itself is a new operation. The company that backs Optimum Home Shield has been in business for over 40 years, has an A+ financial strength rating, and a total of $2.45 billion in assets.
However, Optimum Home Shield began operations in 2022. There is no real track record of current or past clients as the company is still brand new to the industry, particularly compared to its competitors.