Optimum Home Shield
Author: Kalicia Bateman
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: Fortegra. 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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Pros
- 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 |
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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.
Cons
- State Limitations
State Limitations
Optimum Home Shield is currently not available in California and Virginia. However, the company is growing rapidly and will likely eventually expand its services to these areas.
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.
Homeowners looking for additional and complete coverage would likely benefit from the Optimum Total Home Plan.
