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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.

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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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Mary Boyce McGrath North Kingstown, RI

I have had Sears Home Warranty now for 2 years. The most frustrating part of the plan is getting it set up the folks on the other end of the phone due to accents. My main warranty calls have been for my refrigerator with built in ice maker. Had Sears here a couple times. Problems with the ice machine was all manufacturer related. Sears will come back at no charge for the same issue within 180 days. So, basically I paid $75.00, and they came here several times for the same issue due to the refrigerator. I have also had them here several times for my washer, which seems Whirlpool made the agitator pretty cheep. I just changed my plan to the whole house plan. The only experience I have had with that as of this first month, is when I did set it up, the man I spoke with asked if I had central air system, as they were setting up appointments for the annual maintenance, which is of no charge each year. He also advised that in August, I needed to call for the Heating System cleaning and maintenance, which also was at no charge each year. There is a 30 day waiting period when setting up the plan for any services. As stated, except for the frustration of foreign accents setting the account up, everything else has been great with Sears (Cinch) Home Warranty.

2 years ago

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Francois Rene Bend, OR

Put in a claim December 3rd 2021, still waiting for Microwave repair and finally after 4 months , I was directed to a US person and was able to take care of my claim ASAP. Michelle was very clear and concise and promised that all would be taken care of within a couple of week. Indeed , I was contacted by a store manager for Sears and he personally brought a new GE microwave from 120 miles away. The installation was to be done by a service tech but I ended up doing that myself. Bravo and thank you. It pays to stay focused and keep calling until you get a response.. Again , thanks to Michelle.

2 years ago Edited March 28, 2022

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Gaius Gracchus Reno, NV

We have a Sears warranty for our dishwasher (Kenmore). It has been a problematic purchase - issues started after we'd owned it for only a few years. The last time it failed, it took 2 months for the Sears repair people to finally get it working. However, Sears was not 100% to blame. The issue is that the repair people are often incompetent, dishonest and downright lazy. We did finally get one that fixed it, but I will spare you the details of our multiple visits. Why the 4 stars? Because Sears did really try. They sent us compensation for our troubles and continued to send people out to resolve the issue. The Sears phone reps were polite and did their best to help us. The issue is that repair people *in general* are not very good. So even when you hire people yourself, you can run into the same issues we did. Sears did not give up and kept on top of it until our issue was resolved, in spite of the poor performance of some of the repair people.

2 years ago

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Judy Bucholtz Bonney Lake, WA

Its easy to schedule an appointment online. However sometimes the wait is longer than I'd like. The technicians are friendly and respectful. We had 3 appliances break down in a 2 week period. Optimum Appliance did a great job accessing the problem and fixing my oven sensor and dryer sensors. Our Bosch dishwasher technician told us nothing is wrong with the dishwasher, so we rescheduled for 3/22. At that appointment he thought we need a new motor & ordered the part. Our next appointment to install is on 4/9. Wish it was sooner as we are dealing with a dishwasher that isn't cleaning well. It is very difficult to get a customer service representative on the phone.

2 years ago

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TDG La Porte, IN

Sears Home Store in Knox Indiana. Expedited the service call and on June 3rd late afternoon my craftsman 8400 pro series was repaired and all is working well. Contacted Sears Home Warranty May 30, 2020 about my Craftsman 8400 pro series riding mower which I paid a little over 4000.00 including a 3 year warranty. I was told by the person I would be contacted within 48 hours. I never heard back so I called after 48 hours and was disconnected. So I called the Sears home Store in KNOX Indiana where I purchased mower from. The man was able to get me a appointment for technical service to come out. The service technician will not arrive for 3 weeks!!!!!! I am disabled, my wife has to use a push mower .... We have 1 1/2 acres that need to be mowed weekly. This is completely unacceptable after paying 4,000.00 for this mower. I am contacting local tv stations for buyers beware. This mower was purchased May 28, 2019 and well maintained with oil changes, air filter change and using the appropriate gas. The mower will not move forward or backwards and does not appear to have a broken drive belt.

3 years ago Edited September 14, 2021

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Roger Gerstenberg Shelby, NC

We have Sears HW about 4 years, and , if you play by the rules they are very good. What people don't take into consideration is there AC and heating preventative checks at no charge, 1 in the spring and 1 in the fall.

5 years ago Edited September 14, 2021

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Julia UP Naples, FL

I was getting a quote on a new home warranty and the representative was extremely helpful. The quote was in my price range and covered everything I needed. Quick and professional. Very satisfied.

2 years ago

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Rishard Krehe Orlando, FL

Great warranty and efficient service but at an extra cost vs other companies that provide the exact coverage and sometimes more, at the end we switched purely due to cost.

1 year ago

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Mason62of9 Gainesville, FL

The over all experience was fair and balanced. Sign up and approval process was easy and secure. Prices for my area were competitive.

1 year ago

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Pete Dizbon Sequim, WA

Good prices and communication. I recommend them!

1 year ago