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Optimum Home Shield

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LAST UPDATED: September 22nd, 2022

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. 

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The Good

  • 3 Plans Offered
  • Wide Variety of Clients Served
  • Claims and Deductibles
  • Payment Options

3 Plans Offered

Clients can choose from three different coverage plans that Optimum Home Shield:

Appliance Plan Total Systems Plan Full House Plan
  • Built-in microwave
  • Dishwasher
  • Garage door opener
  • Garbage disposal
  • Icemaker
  • Kitchen refrigerator
  • Range, oven, cooktop
  • Trash compactor
  • Clothes washer and dryer
  • Ceiling fans
  • Central air conditioner
  • Central heating system
  • Ductwork
  • Water heater
  • Doorbell system
  • Kitchen exhaust fan
  • Internal electrical system
  • Internal plumbing system
  • Everything covered in the Appliance Plan
  • Everything covered in the Total Systems 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. 

Wide Variety of Clients Served

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.

Claims and Deductibles

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. 

Payment Options

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. 

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The Bad

  • Undisclosed Pricing
  • Young Company

Undisclosed Pricing

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. 

Young Company

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. 

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The Bottom Line

Optimum Home Shield offers partial and full workup home warranties to clients looking to further protect their home and everything in it. There are three plans available through Optimum Home Shield: the appliance plan, the systems plan, and the total home plan. These warranties are available to a wide range of clients including homeowners, buyers and sellers, realtors, and even contractors.

The claims process is relatively simple to navigate, and deductibles are made clear prior to clients signing up. To add to the overall flexibility of Optimum Home Shield, clients can also take advantage of multiple different types of patent plans spanning varying time lengths depending on what works best for the client. 

While there are a number of reasons homeowners may look to Optimum Home Shield for complete home coverage, there are operational items prospective customers should be aware of. First, Optimum Home Shield does not disclose any of its prices for its three varying plans. Instead, interested clients will need to reach out directly for an individual quote. While backed by a global insurance provider, the Optimum Home Shield branch just launched in 2022, limiting its experience within the industry. 

Homeowners looking for additional and complete coverage would likely benefit from the Optimum Total Home Plan. While clients have varying needs, the other two packages may not be worth the cost considering what is covered. 

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Optimum Home Shield Frequently Asked Questions

What is a Home Warranty?

A Home Warranty is a service contract, that provides Homeowners a financial umbrella to help protect the Homeowner against the cost of unexpected repairs for covered home appliances and systems that break down due to routine wear and tear.

Do I need a Home Warranty if I have Home Insurance?

Home insurance covers the home and items included in the insurance plan against damage from Hazards like fires, floods, wind storms and natural disasters generally. A Home Warranty covers and repairs properly maintained Home appliances and systems that fail due to normal wear and tear.

I'm going to be selling my home, why should I consider a Home Warranty?

A Home Warranty is an additional layer of protection for the house, covering home appliances like fridges and clothes washers/dryers. As well as mechanical systems like a septic system, central heating/AC, or pool and spa. So this extra layer of protection gives the home added value overall. It also gives real estate agent greater confidence in helping sell your home and attaining that asking price. And for you, the seller, the lasting benefit is that buyers will not be calling you in the event of issues, we'll have your back.

I want to buy a house, how strongly should I factor the Home Warranty?

If you're looking to buy a house, a Home Warranty is one of the first things you should ask about, here's why. Because appliances and systems make a house a home. If you're buying a home without a Home Warranty, then every appliance and mechanical system is a liability/problem problem waiting to happen. Nothing lasts forever, so when the inevitable breakdown occurs, our Home Warranty is there to take care of the problem.

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