Platinum Home Warranty Review

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Platinum Home Warranty

Platinum Home Warranty

Our Take

Though it's only been around since 2011, Platinum Home Warranty has already established itself as a home warranty company with great customer service and quality repairs. The company offers an inside team of technicians as well as a personal touch that has created many satisfied customers.

Learn More: See who made our list of the best home warranty companies.

  • Pros and Cons
  • Key Takeaways
  • Specifications
Pros and Cons
What We Like
  • Personal follow-up call after every service call

  • Emergency service technicians available during business hours*

  • Company uses its own hired service technicians**

  • Attached guest units under 5,000 square feet covered for no additional fee

  • No waiting period for coverage to begin

What We Don't Like
  • Coverage for Arizona only

  • Lengthy exclusions compared to industry standards

  • Detached guest houses are not automatically covered

*On-call technicians are available for emergency services from 8 a.m. to 5 p.m. daily, seven days per week.

**Specialty work, including pools and roofs, are contracted out to other companies because of their expertise.

Key Takeaways
  • Coverage under a Platinum home warranty is effective as soon as the application is approved 
  • If you have to file a claim, Platinum will usually get a technician to your house within 24 hours or the next business day 
  • Platinum covers single-family homes, townhomes, condominiums, manufactured homes, duplexes, triplexes, and fourplexes, but only in Arizona 
  • Platinum offers plans that cover appliances and most major home systems 
  • The company has low payout caps for a number of covered systems
Specifications
  • Year Founded 2011
  • Coverage Arizona
  • Customer Service 24/7/365 online or by telephone (602-733-5000)
  • Waiting Period Date of application approval
  • Contractor Network Uses own hired service technicians
  • Service Recall Period 30-day workmanship guarantee
  • Number of Plans 4 homeowner plans
  • Coverage Limit Numerous Payout Caps (See Payout Cap Section)
  • Contract Length 1 year
  • Payment Options Repair, replacement, or cash payment in lieu of repair/replacement
  • Cost Trade Service Call fees $75 $425 to $1200/year
  • Official Website https://platinumhw.com/

Platinum Home Warranty provides protection for home appliances and systems repairs exclusively for residents of Arizona. It offers four service plans for homeowners. It does not offer real estate professional plans. Platinum Home Warranty prides itself on professional and courteous services and maintains its own team of in-house service technicians to perform repairs. 

Platinum Home Warranty is ready to help Arizona residents deal with unexpected repairs. We’ve taken a close look at its plan offerings, pricing, exclusions, payout caps and more to see if it’s a good choice for your home repair needs.

Company Overview

Platinum Home Warranty was founded in 2011 and has its home offices in Scottsdale, Arizona. It offers home warranty coverage exclusively to residents of Arizona. Home warranty plans cover single-family homes, townhomes, condominiums, manufactured homes, duplexes, triplexes, or fourplexes. 

Platinum home warranties are only available for residents of Arizona.

Homeowner Plans

Homeowner warranty plans cover repairs and replacements to systems and appliances in your home for failures due to normal wear and tear. A home warranty can protect your budget from these unexpected repair expenses. Platinum Home Warranty offers four homeowner plans; Standard, Standard Plus, Prime, and Superior. The service call fee for all plans is $75. 

Coverage Standard Standard Plus Prime Superior
Heating System
Air Conditioning
Ductwork Repair
Thermostat
Plumbing Blockages
Toilet Tanks, Bowls, Replacements
Water Heater (Up To 80 Gallons)
Electrical Breakers and Panels
Outlets And Light Switches
Cooking Oven/Range
Built-in Microwave Oven
Garbage Disposal
Trash Compactor
Dishwasher
Exhaust Fans and Ceiling Fans
Garage Door Opener
Doorbell
Pest Control
Rekeying
Crane Fees
Access and Rough Drywall Patch
Recirculating Pump
Haul Away  
Additional Modification Coverage  
Disposal Fees  
Code Violations  
Enhanced Garage Door Coverage  
Permit  
Refrigerator and Icemaker    
Diswasher racks, rollers, and baskets  
Improper Installations and Mismatched Units  
Washer and Dryer    
Refrigerator and Icemaker    
Pre-season HVAC System Checkups Service Fee Applies Service Fee Applies Free Checkup Included (1 Unit)
Built-in Pool and Spa      

Homeowner Plan Pricing

All homeowner plans come with a $75 service call fee. The plan pricing is on a yearly basis. For pricing on single-family homes over 5,000 square feet or for plan pricing on new build coverage, you must call 602-733-5000. No realtor plans are available. Coverage is effective on the day of application approval.

Home Type Standard Standard Plus Prime Superior
Single Family Home under 5,000 square feet $425/year $41.42/month $500/year $47.67/month $575/year $53.92/month $750/year $68.5/month
Condo, Townhome, or Mobile Home $375/year $37.25/month $425/year $41.42/month $500/year $47.67/month  
Duplex $580/year $54.33/month $725/year $66.42/month    
Triplex $780/year $71/month $1000/year $89.33/month    
Fourplex $1000/year $89.33/month $12000/year $106/month    

Optional Coverage Pricing

These optional coverages are available to be added to plans which do not already include them. Pricing is per year. (There is no additional charge for attached units under 5,000 square feet. For attached units over 5,000 square feet, call 602-733-5000 for pricing.)

Optional Coverage Price
Kitchen fridge $75
Additional fridge - additional $500 aggregate $50
Washer/dryer - additional $500 appliance aggregate $80
Built-in pool/spa $180
Built-in pool/spa w/salt coverage $375
Superior plan salt pool upgrade $195
Additional pool pump $60
Drip and sprinkler system $50
Septic coverage $50
Soft water system $50
Additional dishwasher $50
Additional garage door opener $50
Built-in kitchen freezer $75
Enhanced appliance aggregate upgrade (additional $,1000 aggregate) $125
Our Expert Janet Says

Platinum Home Warranty was founded in 2011 and has its home offices in Scottsdale, Arizona. It offers home warranty coverage exclusively to residents of Arizona.

Exclusions

Exclusions were obtained from terms and conditions.

  • Heating/Air Conditioning: Window units, portable units, pre-coolers, thermostat programming, all air filters, heat strips, baseboard casings, humidifiers, dehumidifiers, geothermal units, fuel tanks, lubricant tanks, condenser pads, condensate pans and/or lines, solar heating systems, roof jacks, stands, fireplaces, registers, grills, dampers, chillers, zoning systems, balancing, air flow issues, mini-splits, ductless systems, timers, ducts underground or beneath a dwelling floor, ducts containing fire sprinklers or hazardous insulation, evaporative pads, evaporative coolers, framing, and sun or heat lamps, refrigerant recharge, disposal and recovery. Any improperly sized heating or cooling system, systems exceeding 5 tons or 120,000 btu, mismatched equipment, or commercial or industrial grade systems or components. Maintenance, dirty coils, cleaning of condensate lines, drains, blowers, ducts, and/or furnace parts. Insulation, vapor barrier, dampers and damper control, improperly sized ductwork, efficiency problems, and legally mandated diagnostic testing of ductwork. Any cosmetic or surface damages, light bulbs, handles, glass or transparent plastics. damage caused by rust, moisture or mold. Computerized HVAC management systems or zone controllers, flues, vents and transitions. Any access required to the interior of walls, floors, and ceilings etc. for complete and accurate diagnostics of a failed heating or cooling system. Structural modifications, float switches and flood stops. (Dishwasher, garbage disposal, instant hot water dispenser, trash compactor, oven/range/cooktop, built-in microwave oven): Rotisseries, lights, knobs, dials, racks, baskets, rollers, removable trays, removable buckets, door glass, interior lining, lock assemblies, magnetic induction cooktops, meat probe assemblies, and clocks (unless they affect the primary function of the unit).
  • Plumbing System: All plumbing located outside the home, as well as any items not listed above including, but not limited to, showerheads, tub strainer and stopper, toilet seats and lids, outside misters, drip, or sprinkler systems, water softeners, water filters, jetted tubs, soft water and reverse osmosis systems, septic systems, hose bibbs, hose bibb vacuum breakers, main shut off valves, pressure regulators, high or low water pressure flow, steam rooms, saunas, solar systems or commercial-grade systems. Vents, mechanical links, water tanks, reservoirs, sinks. Any cosmetic aspects or items, including, but not limited to caulking, grouting, or external coatings, or any extraneous or consequential damages resulting from failure of any plumbing or sewage system or component. cost to locate, access or install a ground-level cleanout. Access required for accurate diagnosis through walls, floors, ceilings, etc. of a failed plumbing or sewage system. Any damage to pipes or fixtures caused by chemicals, minerals, faulty installation, freezing, house settling, tree or plant roots. Any aspect or component of a fire suppression system. Disposal and haul away fees. Ejector pumps. Sounds or odor.
  • Water Heater: Any necessary modifications, including T&P line, supply lines, gas/flex lines, and expansion tanks, service valves for tankless units, anode rods. Solar units and/or solar components, holding and storage tanks, flues and vents. hybrid water heaters. drip pans. Commercial units and units over 80 gallons. Noise caused by sediment.
  • Electrical: Any wiring or electrical item not part of the main structure or located outside the home not listed above. Any cosmetic or surface damages. Any repair issues caused by improper installation or by improperly sized systems. Solar-powered systems, attic fans, telephone jacks and wiring, backup or alternate power systems, batteries, light bulbs, outlet covers, faceplates, gas generators, or any fire or smoke damaged items. Consequential damages due to power failure, surges, or loads greater than the system’s specified design. Any access required to interior walls, floors, ceilings, etc... for complete and accurate diagnostics of any failed electrical system. Commercial or industrial grade systems or components. All security systems – leased or owned, including video doorbell systems. Gas fireplaces & switches. Lighting systems, ballasts. Smart systems and low voltage systems. 
  • Kitchen/Household Appliances: Any items not listed above, including, but not limited to, all linings, coatings, glass, storage racks, baskets, shelves, light bulbs, handles, hinges, transparent plastics, free-standing freezers, batteries, clocks, cleanings, or back-up power systems, lock and key assemblies, magnetic induction units, trim kits. Any cosmetic or surface damage caused by rust, mold or moisture when moving or transporting the appliance. Any type of stain including, but not limited to, those caused by water, fire, or smoke. Complete system replacement in the event of a non-repairable leak. Magnetic induction cooktops ranges. Pedestal secondary washers or any secondary add-on drawer for appliances. Any electronic or indoor dispensing component of a refrigerator/freezer to include coffee/latte makers, televisions, etc.
  • Garage Door System: Garage doors, hinges, springs, rollers, guides, remote transmitters.
  • Ceiling Fans: Remotes; light kits.
  • Pest Control: Termites, mice, bees, fire ants, carpenter ants, scorpions, fleas, ticks, rats, bed bugs, and rodents. Any fungus or wood-destroying organism. Any organism not specifically listed as a covered item.
  • Pools and Spas: Heat pump heaters for pool or spa. Portable or above ground pools and spas are not covered. Any items not listed above including, but not limited to lights, switches, water levelers, linings, coatings, plaster, tile, concrete pads or slabs, decking, steps, fountains, waterfalls, water softeners, water purifiers, secondary filters, filtration media or housing, screens, baskets, railings, diving boards, slides, pools or spa covers, solar systems, jets, and jet and auxiliary pumps. Computerized control boards and other smart pool equipment. Any cleaning systems or components, including cartridges, sand, filters, backflow prevention devices. Any maintenance components, including salt systems and auto-chlorination systems. All damage to mechanical systems, pipes or fixtures caused by freezing, foundation settling, chemicals, minerals, or trees and plants. All-access required to the interior of walls, floors, concrete slabs, ceilings, or below grade (underground) for a complete and accurate diagnostics of a failed plumbing pool water supply or drainage system. Pool or spa drainage or resurfacing. Pressure regulation components, or damage caused by excessive water pressure or flow. Commercial or industrial grade systems or components.
  • Septic Tank: Most sewage hookups, disposal of waste, chemical treatments, tile fields, leach bed, or cesspools. Insufficient capacities, cleanouts, or pumping.
  • Drip/Sprinkler Systems: Hydraulic systems; sprinkler heads with problems caused by abnormal wear and tear such as but not limited to pet damage, lawnmower damage, human damage, freezing, damage by roots or soil, improper installation and adjustments or cleaning. Sprinkler lines beneath paved or decorative hard surface areas are not covered.
  • Soft Water Systems: Leased or rented units, any and all treatment, purification, odor control, iron filtration components and systems; discharge dry wells, resin bed replacement, salt, replacement of filters, water filters, pre-filters, filter components, replacement membranes, water purification systems. Cleaning, problems caused by sediment.
  • Rekey Service: Lock picking, lockout service, new lock sets.

Payout Caps

The company has numerous payout caps listed below. While there are several payout caps, the dollar amounts are in line with industry standards.

  • Heating/air conditioning: $2,000 per contract term
  • Plumbing: $300 per toilet per contract term; $1,000 per contract term on all plumbing system repairs/replacement
  • Slab leaks: $500 per contract term
  • Water heater: $1,500 per contract term
  • Electrical system: $1,500 per contract term
  • Kitchen/household appliances: $2,500 for refrigerator per contract term; $1,500 limit for all other appliances combined besides the refrigerator
  • Crane fees: $250 per contract term
  • Haul away: $100 per occurrence; $500 per contract term
  • Code violation modifications: $500 per plan
  • Additional plumbing: $250 per plan to clear stoppages caused by roots or toilet removal
  • Permit: $250 per contract term for permits obtained for covered systems or appliances
  • Pool/spa: $1,500 per contract term
  • Septic tank: $500 per contract term

Platinum only lets you use your own contract after getting prior approval.

Repair Time

Under normal circumstances, the company will send a service technician to your home within 24 hours or the next business day if on a weekend and it is a non-emergency claim. You may only use your own independent contractor if you obtain prior approval from the company. Emergency services will be expedited. There are techs on hand to answer calls live during business hours. However, this does not necessarily mean that your claim will be handled immediately. 

The company considers the following repairs as emergencies with expedited services:

  • No electricity, gas, water or toilet facilities for the entire home
  • No air conditioning in extreme temperatures if the unit is the only cooling for the home
  • A system malfunction that will cause ongoing damage to the home
  • A condition endangering the health and safety of the home’s occupants

Customer Service/Claims

Platinum Home Warranty has 24/7/365 claims/customer service by telephone, email or online. For customer service/claims, call 602-733-5000 or email customerservice@platinumhw.com. You can also report a claim online

Our Expert Janet Says

There are only a total of over 20 complaints listed on its BBB profile page. A common complaint is the denial of claims for repair items not being covered under the warranty.

BBB Rating

Platinum Home Warranty has an “A” rating with the BBB and has been an accredited business since 2017. There are only a total of over 20 complaints listed on its BBB profile page. A common complaint is the denial of claims for repair items not being covered under the warranty. The company has received the best available rating of five stars from the BBB based on over 400 customer reviews.

The Competition: Platinum Home Warranty vs. Old Republic Home Warranty

We compared Platinum Home Warranty’s coverage to Old Republic Home Warranty. While we believe both companies to provide quality home warranty products, Old Republic outshines Platinum Home Warranty in greater coverage territory, lower pricing, and the better BBB rating. 

Criteria Platinum Home Warranty Old Republic Home Warranty
Number of Homeowner Plans 4 4
Number of Real Estate Plans 0 5
Coverage Territory Arizona 27 states
Pricing $425 to $1200/year $305 to $725/year
Workmanship Guarantee 30-day 30-day
BBB Rating A A+
Final Verdict

Founded in 2011, Platinum Home Warranty has made a name for itself in the customer service department backing up its quality repairs. From in-house service technicians to a personal follow-up call after each service call, the company prides itself on professional local services. There are very few BBB customer complaints. 

The exclusion list and payout cap list is lengthy compared to industry standards so check it carefully to make sure your items are covered and for how much. The homeowner plans are slightly higher based on industry standards but generous with items covered. We believe Platinum Home Warranty offers quality products and exceptional personal service making it a suitable choice for home warranties for residents of Arizona.

Methodology

Read our home warranty review methodology to see how we rated each service.