Sears Home Warranty Review

Three plans with a generous payout cap, but prices run high for the industry.

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Sears Home Warranty

Sears Home Warranty

overall rating
3.6

Our Take

Sears Home Warranty offers a 180-day guarantee on covered repairs, a generous guarantee by industry standards. Three service plans are available across the United States (excluding Alaska and Hawaii), but add-on options are expensive compared to competitors.

  • Pros and Cons
  • Key Takeaways
  • Specifications
Pros and Cons
Pros
  • Unknown preexisting conditions are covered

  • 180-day guarantee on covered repairs

  • Nationwide coverage (excluding Alaska)

Cons
  • No plans available for real estate professionals

  • Additional coverage and add-ons are pricier than average

Key Takeaways
  • Plans are still being sold as parent company Sears Holdings reorganizes due to Chapter 11 bankruptcy, a process that was nearing completion as of June 2022.
  • Expect to pay between $600 and $840 a year for a Sears Home Warranty plan. 
  • Two preventative maintenance checkups are provided as part of your automatic coverage to keep systems or appliances from breaking down.
Specifications
  • Year Founded 1999
  • Coverage Nationwide coverage (excluding Alaska and Puerto Rico)
  • Customer Service 24/7 online or by telephone.
  • Waiting Period 30 days
  • Contractor Network Sears Home Warranty uses a network of prescreened contractors.
  • Service Recall Period Service work is guaranteed for 180 days.
  • Number of Plans 3 plans plus optional add-on coverage
  • Coverage Limit Cap per appliance is $1,000 and a cap of $10,000 for a service call related to any one covered item; coverage limit for contract term is $50,000.
  • Contract Length 12 months
  • Payment Options Sears may elect to replace a covered item rather than repair it. The company may also offer a repair/replacement credit or cash payment at its discretion.
  • Cost Services fee of $100 Plan pricing is $49.99/mo to $69.99/mo.
  • Official Website https://www.searshomeservices.com/home-warranty
Table of Contents
Sears Home Warranty Review
Sears Home Warranty

Sears Home Warranty

overall rating
3.6

Sears Home Warranty has been in business since 1999 and offers three main plans to existing homeowners with add-on options available for an additional cost. But there are no plans available for real estate professionals.

When reviewing and evaluating the home warranty options offered by Sears Home Warranty, we considered several factors including pricing, number and types of plans, claims, and customer service, and compared its services against other home warranty companies. Read on to see if Sears Home Warranty is the right choice for your needs.

Company Overview

Sears Home Warranty has been in business since 1999. The company, headquartered in Hoffman Estates, Illinois, offers three home warranty plans with optional add-on coverage available for an additional charge. Coverage is offered nationwide, excluding Alaska and Puerto Rico.

Homeowner Plans

Sears Home Warranty offers three plans–the Appliance, System, and Whole Home plans. The Appliance plan covers 10 appliances, the Systems plan covers 11 home systems, and the Whole Home plan covers 21 appliances and systems. We found this to be fairly standard among home warranty plans.

Appliances/Systems Appliance System Whole Home
Refrigerator with ice maker
Built-in dishwasher
Washer
Dryer
Range
Cooktop
Oven
Built-in microwave
Range exhaust fan
Built-in trash compactor
Central air conditioner  
Central heating  
Plumbing system  
Water heater   ✓ 
Water softener   ✓ 
Faucets & toilets   ✓ 
Garbage disposal   ✓ 
Plumbing stoppages   ✓ 
Electrical system   ✓ 
Ceiling fans   ✓ 
Garage door opener   ✓ 

In addition to the plans, you can purchase additional coverage and add-ons, but the pricing is not transparent, and we found it to run higher than average by industry standards.

Here are the additional coverage and add-on options.

Additional Coverage Appliance Systems Whole Home
Pool and/or Spa with Heater (limit $10,000). Heater (limit $1,000)
Septic Tank w/Pumping (limit $10,000). Pumping limit $500. Tank replacement limit $1,000 ✓ 
Standalone Freezer (limit $10,000)
Sump Pump (limit $10,000)
Well Pump (limit $10,000)
Add-On Coverage Appliance System Whole Home
Central Air Conditioning (limit $10,000)
Central Heating (limit $10,000)
Water Heater (limit $10,000)  
Water Softener (limit $10,000)  
Refrigerator w/Ice Maker  
Clothes Dryer  
Clothes Washer  
Built-In Dishwasher  
Built-In Microwave   
Range/Cooktop/Oven  
Built-In Trash Compactor  
Wall Oven

Exclusions

Even though home warranties are designed to offer protection in the event an appliance or home system breaks down, there are exclusions. This is commonplace in the industry. We obtained this listing of exclusions from a Sears Home Warranty sample contract.

Appliance/System Exclusions
General Exclusions Mismatched (systems with components having capacity ratings); modified from the original manufacturer design or application; items determined to be defective by the Consumer Product Safety Commission or the manufacturer and for which either has issued, or issues, a warning or recall, or which is otherwise necessitated due to failure caused by the manufacturer’s improper design, use of improper materials, and/or formulas, manufacturing process or any other manufacturing defect; improperly installed; or below the slab or basement floor of the home; or located outside the perimeter of the main foundation (i.e., outside the outer load-bearing walls of the structure (except central air conditioning unit and main electrical panel), or unless specifically covered with optional coverage purchased for items outside the main perimeter.
Central Air Conditioning Primary/secondary condensate, pumps, and lines; asbestos insulated ductwork or piping; concrete-encased or inaccessible ductwork; dampers; filters (including electronic/electrostatic and de-ionizing filter systems); fossil fuel control systems and other energy management systems and controls; geothermal piping; heat recovery unit; humidifiers; interconnecting refrigerant lines (external of the equipment); panels and/or cabinetry; registers and grills; recapture/reclaim of refrigerant; structural components; water pumps, valves, and lines (external of the condenser unit); wall units (except as noted above); window units and water cooling towers; gas systems, including ammonia systems; and chilled water systems.
Central Heating Chimneys, flues, and liners; cleaning and re-lighting of burners; concrete-encased or inaccessible ductwork; concrete-encased steam or radiant heating coils or lines; water flow restriction due to scale, minerals, and other deposits; fossil fuel control systems and other energy management systems and controls; dampers; asbestos insulated ductwork or piping; electric baseboard heat unless primary heating system; filters (including electronic/electrostatic and de-ionizing filter systems); fireplaces and respective components and gas lines; free-standing or portable heating units; fuel storage tanks, lines, and filters; gas log systems, including gas feed lines; humidifiers; inaccessible water/steam lines leading to or from system; individual space heaters; maintenance and cleaning; panels and/or cabinetry; pressure regulators; radiant heating systems built into walls, floors, or ceilings; registers and grills; secondary units; solar heating devices and components; and structural components
Plumbing System All plumbing in or under ground, foundation, or slab; all piping and plumbing outside the perimeter of the foundation; any piping or plumbing in a detached structure; bathtubs; bidets; caulking or grouting; color or purity of water in the system; stoppage of concrete-encased plumbing; fees for locating, accessing, or installing cleanouts; removal of water closets/toilets to clear stoppages; fees for photo/video equipment; hydro-jetting equipment; jet or steam clearing; chemicals; stoppages caused by root invasion; stoppages caused by foreign objects, such as but not limited to, toys and bottle caps; conditions of insufficient or excessive water pressure; conditions of water flow restriction due to scale, minerals, and other deposits; exterior hose bibs; freeze damage; holding and pressure tanks; inaccessible plumbing; concrete-encased plumbing; jet pumps; laundry tubs/sink; lawn sprinkler systems; pressure-regulating devices; repair and finish of walls, floors, or ceilings necessary to break through for repairs; septic tanks and systems in or outside of the home; sewage ejector pumps; sewer and water laterals; shower enclosures and base pans; shower heads; sinks; solar systems; sump pumps; toilet tank lids and toilet seats; water damage; water filters; water purification systems; wells and well pumps; whirlpools, spas, and respective plumbing and mechanical components.
Jetted Bathtub Bathtub shell; caulking and grout; jets; water flow restriction due to scale, rust, minerals, and other deposits; failures due to dry operation of equipment; gaining access to electrical, component parts, and/or piping; tiles and marble; and tub enclosure.
Water Heater Auxiliary and secondary holding/storage tanks; base pans; color or purity of water; flues; vent pipes/lines; insulation and insulation blankets; heat recovery units; noise without a related mechanical failure; point of service and/or hot water dispensers; racks; straps; timers; sediment buildup; and solar heaters, including all parts and components.
Water Softener Any and all treatment, purification, odor control, iron filtration components, and systems; discharge dry wells; failure due to excessive water pressure or freeze damage; failures due to mineral and/or sediment; resin bed replacement and salt.
Electrical System Attic, bathroom, and/or whole house exhaust fans; batteries; direct current (DC) wiring and systems; door bells and chimes; exterior wiring and components (except main panels mounted to exterior wall); any wiring or components servicing a detached structure; exhaust fans; fire, carbon monoxide alarm, and/or detection systems and batteries; garage door assemblies including door panels, tracks, rollers, hinges, cables and springs; intercom or speaker systems; lighting fixtures; load control devices; low voltage systems including wiring and relays; sending units; service entrance cables; telephone systems; timers; touchpad assemblies; transmitters and remotes; utility meter base pans; and wall fans; failures and conditions caused by inadequate wiring capacity, circuit overload, power failure/shortage or surge, and corrosion caused by moisture.

Payout Caps/Limitations

Sears Home Warranty caps apply to repair or replacement of systems, appliances or components in excess of $10,000 due to a mechanical failure of a single, covered item. The cap per appliance is $1,000, which is rather low compared to most home warranty companies. The aggregate limit for all claims per contract term is $50,000. We found this to be rather generous compared to other home warranty providers.

Repair Time

You can choose your own service date when filing a claim. Sears' warranty contract says the company strives to provide a referral to an approved independent service contractor within two hours of receiving your claim during normal business working hours and within 24 hours for claims made after hours or on holidays and weekends. Sears provides a 180-day guarantee on all covered repairs, which is one of the best guarantees we’ve seen among home warranty companies.

Customer Service/Claims

You can file a claim by calling 1-855-256-2467 or you may submit a claim online. Both the customer service/claims phone number and website allow you to submit a claim 24/7.

While Sears has great brand recognition, you should shop around to find the best rates.

Price

The cost of Sears Home Warranty plans are $49.99 per month to $69.99 per month. Each plan includes a deductible fee per service of $75 for the Appliance plan or $100 for the Systems and Whole Home plans. All plans include two free preventive maintenance checkups each year: one heating system check-up and one cooling system check-up. Pricing and benefits may vary by state.

We compared plan prices from several states and all the ones we checked (California, New York, Missouri, Oregon, Louisiana, and Florida) had the same pricing: the Appliance plan at $49.99; Systems plan at $59.99; and Whole Home plan at $69.99. In addition to their base plans, optional coverage for certain appliances can also be added to the plan for a fee.

Final Verdict

Sears is a trusted name in home appliances and repair services. It has three homeowner plans designed to fit most home budgets and could be a good choice to consider when searching for home repair coverage. If you're looking for a real estate plan, however, you will need to look elsewhere.

Methodology

We reviewed the top 25 home warranty companies representing the vast majority of the overall market share based on 875 data points we collected. This data was collected through online and direct company phone and email outreach across a total of 35 scoring criteria.

A customer survey comprised of 538 current, past, and prospective home warranty customers offered valuable input about the criteria the meant the most to them when choosing a provider.

Read our complete methodology.