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Sears Home Warranty

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3.3

Overall Score

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LAST UPDATED: March 23rd, 2024
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Attention: Sears declared bankruptcy in 2018.

Sears declared bankruptcy in 2018 and now operates as three companies: Sears Holdings, Sears, and TransformCo. If you have a Sears appliance warranty, TransformCo now manages it. However, the warranties are still marketed under the Sears brand.

Sears Home Warranty offers competitive coverage. Its plans are customizable with additional coverage options, which helps you find the coverage you need.

The company also offers one of the longest repair guarantees in the industry.

Despite these positive factors, customer dissatisfaction with the company is high. Consider other home warranty companies before making a final decision.

Read Sears Home Warranty Reviews

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Attention: Sears has roughly 96% 1-Star Reviews on Best Company.

Sears reviews reveal overwhelming dissatisfaction with the company's home warranty services. Most reviewers are highly unlikely to recommend the company to a friend or family member.

Top Ranked Companies

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The Good

  • Customizable Plans
  • Add On Coverage
  • Home Warranty Plan Benefits
  • 180-Day Service Guarantee
  • Easy Warranty Claim Process
  • Competitive Cancellation Policy

Customizable Plans

Sears Home Warranty's plans have no product age limit, include one heating and one cooling preventive maintenance check annually, and offer coverage for unknown pre-existing conditions.

Warranties come with a 30-day waiting period. However, during this period you'll benefit from 25 percent discounts on repairs for appliances, HVAC, and water heaters.

You'll find three home warranty plan options through Sears: Appliance Plan, System Plan, and Whole Home Plan.

Appliance Plan
The Appliance Plan protects 10 major home appliances:

  • Refrigerator (with ice-maker)
  • Dishwasher
  • Washer
  • Dryer
  • Oven/cooktop/range
  • Range exhaust fan
  • Built-in trash compactor

You'll also benefit from 25 percent discounts on HVAC and water heater repairs.

This plan costs $49.99 per month. The service fee is $75.

System Plan
The System Plan protects 11 major home systems:

  • Heating system
  • Air conditioning
  • Electrical system
  • Plumbing
  • Water heater
  • Water softener
  • Faucets and toilets
  • Garbage disposal
  • Ceiling fans
  • Garage door opener

You'll also benefit from 25 percent discounts on appliance repairs.

This plan costs $59.99 per month. The service fee is $100.

Whole Home Plan
The Whole Home Plan combines the Appliance and Systems plan into one. It costs $69.99 per month. The service fee is $100.

Add On Coverage

Each Sears Home Warranty Plan is customizable with the following coverage:

  • Pool and or spa with heater
  • Septic tank with pumping
  • Stand alone freezer
  • Sump pump
  • Well pump

Sears Home Warranty has separate contracts for each of its home warranty products. Using the Whole Home Plan as an example, contracts last one year and include a 30-day waiting period at the beginning.

Additional Plan Benefits

Each Sears Home Warranty plan includes the following:

  • 24/7 customer service
  • 180-day workmanship guarantee
  • Product replacements
  • Pre-screened technicians
  • Comprehensive coverage
  • Heating and cooling maintenance checks

These benefits are standard in the home warranty industry, but Sears' 180-day workmanship guarantee, and heating and cooling maintenance checks, are unique and stand-out offerings.

180-Day Service Guarantee

Sears chooses the technicians it works with and offers a 180-day service guarantee. Home warranty providers often offer a workmanship guarantee but typically of only 30 days. Sears' guarantee is one of the longest that you'll see in the industry.

Easy Warranty Claim Process

You can submit claims online or over the phone 24/7. You'll receive a referral to a service technician within 2 hours during business hours or 24 hours for requests made outside of business hours.

Competitive Cancellation Policy

Sears Home Warranty has separate contracts for each of its home warranty products. We'll use the Whole Home Plan contract as our reference for contract information.

Sears' cancellation policy is fairly consistent with industry norms. You'll receive a full refund if you cancel within the first 30 days and haven't made a claim.

If you've made a claim or decided to cancel after the first 30 days, you may receive a prorated refund for the remaining contract time. You'll also be charged a $25 claims processing fee and the cost of any service performed under the agreement. In some cases, you may be charged by the company for the remaining balance.

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The Bad

  • Poor Sears Home Warranty Reviews
  • 2018 Bankruptcy Filing
  • Exclusions and Limitations

Poor Sears Home Warranty Reviews

Sears Home Warranty has received a sizable number of reviews, although some competitors have higher review counts on Best Company.

Unfortunately, 96 percent of these reviews are 1 star. Reviews mention poorer service post Sears' bankruptcy, long delays with parts and repairs, poor customer service, dissatisfaction with claims and coverage, and difficulty cancelling.

These concerns are troubling because a home warranty's value is in the repairs and claims.

Sears Home Warranty also has a 71 percent lower average star rating compared to the industry average (3.8 /5).

The company's net promoter score is also much lower than the industry average: a 0.2 compared to a 5.8. The net promoter score measures the likelihood a reviewer would recommend the company on a scale of one to ten, with ten being the most likely.

2018 Bankruptcy Filing

As noted in the introduction, Sears declared bankruptcy in 2018, which resulted in a new operation structure. Home warranties are still marketed under the Sears brand, but they are managed by TransformCo.

Bankruptcy isn't a good sign, particularly for home warranty shoppers. You'll want to find a home warranty provider that has a good track record of meeting its claims obligations and is financially stable.

Exclusions and Limitations

Using the Whole Home Plan contract as a reference, Sears Home Warranty's limitations and exclusions generally follow industry trends.

Home warranty contracts typically have limitations and exclusions. Sears' contracts are no exception.

You won't find coverage for permits, cranes, removal fees, disposal fees, modifications, abuse, misuse, neglect, poor maintenance, missing parts, power surges, fire, etc. Incidental and consequential damage is not covered.

Keep in mind that specific parts of equipment may not be covered, so review the contract to understand your coverage better. In some cases, you may be offered a cash settlement instead of a repair or replacement.

The warranty has an annual cap of $50,000 and a $10,000 cap for each claim.

You must receive prior authorization for coverage to be offered. If you get repairs done without working through Sears, you won't be covered even if the repair is normally covered.

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The Bottom Line

Although Sears Home Warranty has many competitive features, the level of dissatisfaction among reviewers is quite high. You may want to consider another home warranty company.

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Star Rating

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1.1

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1,037 Reviews

Review Breakdown

5 grade

1%

4 grade

1%

3 grade

1%

2 grade

2%

1 grade

95%

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Steve E. Evansville, WI

Had a general maintenance service call. The fellow looked at the dishwasher for 2 minutes and pushed a few buttons. But then started pressuring my wife and I to buy Sears insurance on all out appliances. He didn't care about maintaining the bosh dishwasher just selling a policy. Another time Water dripping on the floor, 2 technicians showed up. One worked on the machine while the other walked around the kitchen and living room looking at everything. Undercover cop? Other guy couldn't fix the leak just taped the hose so it would stop dripping and ordered a new part. Warranty says if it can't be fixed the first time ya get a new dishwasher...didn't happen. Another leak repair appointment on 11-22-23. Called and got some girl that her accent was so off that I guessed at what she was saying. Then I discovered she was also selling insurance for all appliances?? And she wouldn't give up! Will never sign up for Transformco/Sears Warranty again.

4 months ago

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Old Man South Deerfield, MA

The technicians are fine. No problems. It is trying to talk to somebody in India where the customer service reps are located. The first rep is always a wasted of time. And yes, English as a second language makes it more difficult to communicate. So this is a tough call because I do like the technicians once you can get an appointment set up. Lastly, the price of a Master Protection Agreement is now twice the price.

5 months ago

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Joan Thoede Azle, TX

Review of Sears Warranty Response on Recumbent Bicycle On Monday, April 19, we were scheduled for a Sears Repairman to fix our ProForm recumbent bicycle under the Sears Warranty Plan. The bicycle needed parts, so we were scheduled for another date. On Monday, May 24, a Sear repairman was to repair our recumbent bike, but we still had not received the needed part. In the interim my husband placed 3 additional calls to the warranty center. He never received the answers he needed and spent a great deal of time on hold and being sent from one department to another. On Tuesday, June 8, I called the Sears Warranty department. They said they would look into the possibility of getting a new replacement bike for us since the necessary part was no longer available. If I had not called, would they have called me? Throughout June, I received several calls from various departments saying that they were working on this problem. On Friday, July 2, I called 4MY-HOME to inquire about the replacement bike. After a very long hold, I first talked to Quill who said we were approved for the new bike. (If I had not called, would they have called me?) She transferred me to the authorization team, and Fatima answered after a hold of 46 minutes. She transferred me to the replacement department where Shamery (?) said that we had a credit for $600 for a new bike. I was on the phone 1 hour and 3 minutes! Then I was asked to call another number-(800) 927-7836-to order the bike. After 33 minutes on hold I spoke to Fernando. He said the bike would be delivered by the 2nd week of July. Then I was transferred again and after 16 minutes I spoke to Ashley. After another 22 minutes (total wait of 1 hour and 11 minutes), I was told the bike would be delivered on July 16th. I was assured that the old bike would be hauled away when the new one was delivered. On July 16, 2021, the new bicycle was delivered. When I suggested that the men take the old bike to their truck, they said that the manifest did not call for the removal of the old bike. They did carry the bicycle to our front yard sidewalk. While they were assembling the bicycle, I called the warranty number 4MY-HOME at 12:40 PM and spoke to Steve about removal of the old bicycle at 12:44. He transferred me to the “correct department”, and I was on hold until 1:05 PM when I spoke to Ariel. She said that I would need to talk to the On-Line Care Team, and she would transfer me. Kim answered and said that she would have to transfer me to the Warranty Team. Kerry (a male) answered and said that he would have to transfer me to the “Haul-Away” Team. When Veronica answered, she said that I would get a call from the Haul-Away Team about removing the bicycle in 1 or 2 business days. Since it was Friday, I was told to expect a call on Monday or Tuesday. The call was over at 1:50 PM. I was on the phone for a total of 1 hour and 10 minutes. It is now Thursday, July 22, and I still have not heard from them. Meanwhile, the bicycle is in the front yard as an embarrassment in a very nice neighborhood. I am tempted to put a huge sign on it that reads “SEARS DID THIS”!

2 years ago

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Gustavo Corpus Christi, TX

I had my Washer break on Jan, 2, 2020 I called the claim in a couple of days. It is now April and my washer is not fixed yet. The first technician came out about a week after I filed the claim and checked it and said that he would order the parts. A couple of weeks later I received the parts and I had to call back so that they could schedule a technician to come and install the parts. That took another week. When the technician arrived he stated that those were not the parts that my washer needed and stated that he would have to order other parts (Transmission). Those other parts took another 2 or 3 weeks to arrive. Once again I had to call back to schedule a technician. Technician arrived and installed parts but said it still wasn't working and needed to order another part. Once the new part arrived we called again to schedule. When technician arrived this time, he quickly installed the part (Agitator) and said it was ready and left right away. When we tried to use the washer after tech left it did not work. I called customer service and again I had to wait another week to get a technician to come out. This technician said something didn't get replaced or fixed right, He stated that he had the part in his van and that he would install it. He installed it and said that the washer was now fixed. As soon as he left we tried to use the washer again and it is still not working. I called customer service and once again they had to schedule a technician for the following week I an still waiting to get my washer fixed after 3 months, This is very unprofessional. And every time I call they just give me the run around and cant give me a straight answer.

3 years ago

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Nancy Schejbal

I realize my warranty has expired, but the oven racks in my built-in double oven keep falling. I mentioned this to a tech who was checking another Sears appliance, and he said Sears have been replacing those racks for awhile. When I called about it, I was told that since the warranty had expired, they would not cover it and that I would have to purchase new ones. I feel that this is unfair because the racks were made too small for this unit so they should be replaced no matter how long the warranty is over. It is Sears' mistake in building the oven. I did end up purchasing only one because, with shipping, it was over $120. I could not afford more.

4 years ago

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Jim DeSoto, TX

I was reading Heather's remarks on the water softener and the strangest thing happened to me. The difference is they admitted not having any technicians who knew anything about water softeners and authorized me through a letter to use any company I could find and they would reimburse me for the payment. Well I found a company to fix the the water softener and turned in all paper work as required then they denied the claim calling it a preexisting condition like they would know when the softener stopped working. I am suing and if you read their contract you will find that they cover pre-existing problems if the home had no way of knowing first hand. This is by far the worst company ever and if you are smart don't use this company unless you like lying

5 years ago

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Carol in Iowa City Coralville, IA

Terrible, terrible, terrible. NEVER sign their contract -- there are lots of good home warranty programs out there. Two out of three of my interactions have been awful. It took days for them to find a contractor to fix issues they labeled "emergency." If water is leaking through your floors causing thousands of dollars in damage, they don't care. They just won't have anyone available to look at it for days, and if you call again they have no idea how long it might take. So, you want to call a contractor yourself to avoid water damage, right? Nope, SearsWarranty won't tell you who their contractors are and won't cover the fix or repair.

5 years ago

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Lyniepenne Annapolis, MD

Has this happen to anyone? I just want to share to be careful with the billing on your account. I believe they are setting me up to say they are not renewing as I'm up for renewal. They have my credit card on file and always have; yet my account is all of a sudden showing as past due and I need to pay to keep my account active. Don't you all have my payment information on file? Haven't you always taken care of the automatic payment? The rep said there is nothing to worry about because the payment is due today and it always shows past due on the due date. Wait? What? Even though the payment is due today like you said, how is it past due when the day isn't even over yet? Oh, that's just an automatic notice, she said. I told her it's very misleading and if you check my history, it will reflect that I paid late just to be used against me later. Payment history can be used as a reason not to renew on their end.

5 years ago

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John Thorup South Jordan, UT

Warning: In our opinion, a Sears Home Warranty is basically worthless. It took Sears over a week to find a contractor who would honor their Sears Warranty, then when that first repair attempt wasn't successful, Sears charged us a 2nd $100 deductible to come back and fix it correctly (Our two service calls were within 45 days and Sears' written ads state they will guarantee their repairs for 180 days). We received terrible claims help, multiple delays, and very unprofessional customer service from Sears. We added up our costs and found we paid over $1400 in fees/deductibles to Sears, while if we had hired a repairman directly the cost would have only been about $300. Today we canceled our Sears warranty... and are very happy to be done with Sears.

5 years ago

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Michael Cunningham Kansas City, MO

Absolutely atrocious. I currently have a Sears Home Warranty My Samsung refrigerator has not been cooling for some 5+ months now. the freezer/fridge general run at 40+ degrees. The whole episode of trying to get something done by someone is unbelievable. BTW: Sears is not really the insurer it's Cross Country Home Services. It took almost two months to get a part which did not fix the problem. I'm been working for 3 weeks just to get two different repair companies to send their tickets to CCHS before CCHS will allow parts to be ordered. There seems to be no escalation or concern even if your appliance is totally useless. ADDENDUM: 3 hours after doing review: SEARS/CCHS called and they are going to get us another refrigerator, so I've upped my rating to 2 stars. Service is terribly slow but the insurance is not worthless.

6 years ago

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Pat in Denver Denver, CO

When I first contacted Sears Home Warranty to inquire about whether my special conditions could be accommodated by the plan I was told by a supervisor that the could accommodate my situation. After paying for the plan and calling to add on additional appliances i was told by another rep that they could not accommodate. It seemed like a bait and switch and I decided to cancel the plan. The technicians was great - not so much the management.

5 years ago

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Cassandra Dixon Nelson New Bern, NC

Had to cancel an appointment because of a no show, no call or email or text on 2 occasions. I've been a member for years, and I still have no operational dryer. I requested a refund afterwards. Looking for another home warranty and canceling this one.

1 year ago Edited March 1, 2023

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Rae Batista Lowell, MA

Sears home warranty is a total waste of money. The only time you get a live voice is when you want to talk about you contact, payment update or new contact information. The number they give you for Sears Home services does not work and Sears warranty cannot even contact them.

1 year ago

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Mike Raymond Greenfield, MA

I have had Sears here for the 4 times for the same problem. Refrigerator and Freezer not cooling. 1st time new compressor, after first visit. Second time new refrigerator evaporator. Now they are coming again on 11/30 to once again attempt a repair.

2 years ago

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John M. Brooklyn, NY

Lots of money but I the small type, it says they do n’t actually cover critical items and they break like the door of our washing machine. Paid them $600 per year and $75 per visit and then they do not cover a breakage. And try to cancel, they claim you have a contract and try to back charge you for old repairs. Beware.

4 years ago

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Mary E Barber St Louis, MO

Scheduling was a nightmare, and they made promised to make up for the THREE full days I took off for work to wait for no-shows. However, they kept none of them. Problem resolution was an exorbitant waste of time with no resolution.

4 years ago

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Shoppingmom7 Perrysburg, OH

SEARS WARRANTY WAS OK. ITS NOT THE BEST BUT NOT THE WORST. WE HAD OUR CENTRAL AIR/HEAT PUMP COVERED THRU THEM. BUT AFTER THE FIRST REPAIR THEY REFUSED TO COME BACK OUT AND FIX THE ISSUE. WE SPENT OVER $5000 ON OUR NEW SYSTEM ONLY TO END UP HAVING A WHOLE OTHER SYSTEM INSTALLED, OUT OF OUR POCKETS, IN LESS THAN 4 YEARS WHEN IT HAD A 5 YEAR WARRANTY

1 year ago

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Damaris Fayetteville, NC

Serveral attempts at repairs / installed several parts over a two month period. Appliance still not working and unable to receive guidance and / or speak with someone.

5 years ago

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Ron Watson Macon, GA

Wait time to speak with a rep is way too long..most times it's 45 minutes or more.

6 years ago

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Megan Weidle Akron, OH

I don't see this continuing since they're going bankrupt. They're really hard to contact and there's no chat

1 year ago

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Gene Matsushige Honolulu, HI

The repair wait time of 4 hours is too long, that's half a day I'm wasting.

2 years ago