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Universal Home Protection

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LAST UPDATED: November 22nd, 2022

Universal Home Protection was founded in 1992 and is headquartered in Madison, Wisconsin. The company's warranties are priced competitively; however, it only provides service to Wisconsin, northern Illinois, and the Chicago area.

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The Good

Personalized Customer Service

Universal Home Protection is a small company, and as such able to offer its customers personalized service. The company's social media channels illustrate its commitment to connect with its customers on a personal level, both those who have been complementary as well as those who have not.

Comprehensive and Competitive Protection

Customers receive comprehensive protection for their home's systems and built-in appliances with Universal Home Protection's plans. The premium for these plans and the deductibles are comparable to many in the industry. 


The Bad

Exclusions to Coverage

Existing customers have complained about the company's exclusions to coverage, such as for a leaking dishwasher, air conditioning unit, or plumbing problems on Universal Home Protection's Facebook page. Of these complaints, the company has made efforts with several to connect and explain the reasons that the repairs were not covered. Any problem that is deemed to be pre-existing or having been previously worked on is subject to refusal by the company.

Per-Incident Charges

Of note is that if separate incidents are included in a service call, these are each liable to the deductible, without exception. For example, if a customer has a problem with the sink, shower, and toilet, the deductible for repair would be $75 each, rather than $75 for the visit.

Small Geographic Service Area

At the writing of this review, the company only serves the state of Wisconsin and northern Illinois (including Chicago). This limitation is obviously exclusionary to the majority of the population of the United States. 

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The Bottom Line

Universal Home Protection offers coverage for systems that other companies only include in their higher-tiered plans. The company's prices are comparable with many of its competitors. As such, the company is able to protect more of its customers' homes at a lower price than many of its primary competitors. Protection is available for homeowners or property managers and can be transferred to another homeowner. Transfer is subject to approval by the company and must be requested in writing. The company can offer a home warranty as an add-on for real estate transactions, making the property more attractive to potential buyers.

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Adam Drover Cottage Grove, WI

BEWARE OF THIS SCAM! They wont cover something if it wasnt maintained properly. If you're buying a house. How do you know if something was maintained properly or not? And its your responsibility to understand how HVAC and appliances work to know if the previous owners did proper maintenance. Here is the kicker. They send out technicians that decide if something was maintained properly or not so they basically have a golden ticket to get out of covering anything.

4 years ago


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Bridget Walker New York, NY

Universal Home Protection is great. Their warranty packages are cheap and affordable for everyone. I have one of the best warranty plans there is.

1 year ago