A home warranty works similarly to an insurance plan by offering financial protection if a home appliance or system breaks down or malfunctions. Like insurance, it comes with limitations and exclusions, and homeowners may need to purchase additional coverage to fully protect their home. Purchasing a Sears appliance warranty is a smart choice for those who want to avoid draining their savings if a major home appliance or system fails.

Sears offers four home warranty plans for homeowners, with the final cost depending on the coverage options you choose. Once you select a plan, there is a 30-day waiting period before coverage begins. Despite this waiting period, enrolling comes with some valuable perks, including free preventative HVAC checks and oil change discounts, which can be quite useful.

Sears Protect Home Warranty offers four comprehensive plans: Appliance, Systems, HVAC, and Whole Home. Here’s what each plan includes:

Appliance Plan

• Covers 11 major kitchen and laundry appliances, including washers, dryers, ovens, cooktops, ranges, refrigerators, trash compactors, built-in indoor grills, microwaves, dishwashers, and exhaust fans.
• Annual Maximum: $3,000 per item
• Cost: $56.99/month

Systems Plan

• Provides coverage for HVAC systems, exposed ductwork, plumbing systems (including stoppages and line leaks), electrical systems, ceiling fans, smoke detectors, and wired doorbells.
• Annual Maximum: $5,000 per claim
• Cost: $66.99/month

HVAC Plan

• Specifically covers HVAC systems, including air conditioning, heating, and necessary ductwork.
• Cost: $36.99/month

Whole Home Plan

• A comprehensive warranty combining all coverage from the Appliance and Systems Plans.
• Annual Maximums: $3,000 per appliance and $5,000 per systems claim
• Cost: $76.99/month

No matter which package you select, a $100 service fee applies per claim. Plans offer the flexibility of monthly or yearly payments, with pricing determined by your location.

Additional benefits include:

• Preventive Maintenance Checks: Most homeowners receive HVAC preventive maintenance checks. However, in Hawaii, this benefit is replaced with a complimentary refrigerator check.
• Repair Discounts: Contract holders enjoy a 25% discount on non-covered appliance and HVAC repairs.
• Optional Add-Ons: Coverage can be expanded to include swimming pools, spas, septic systems, well pumps, freestanding freezers, and sump pumps.

Sears Protect Home Warranty stands out by offering coverage for various housing types, including apartments, condominiums, townhouses, villas, and manufactured homes. However, repairs and replacements are limited to items that are used, located, and serviceable within a single unit, whether it’s a house or an apartment.

Exclusions:

• Homes used for commercial purposes.
• Homes listed or registered as historical places.

The four standard plans offered by Sears Protect Home Warranty do not include services such as:

• Removal or disposal of unrepairable items.
• Recapturing, reclaiming, or disposing of refrigerant.

Generally, the warranty covers items that experience mechanical failure due to regular wear and tear. However, the Appliance Plan and Whole Home Plan extend coverage to include mechanical issues caused by corrosion, rust, and sediment.

If a covered appliance or system fails, you can submit a claim anytime by calling the toll-free number or logging into the “My Account” portal. Claims must be filed before your agreement expires. Once your claim is approved, a local service provider will arrange an appointment. You can track the status of your claim online throughout the process. Preventive maintenance visits, however, must be scheduled by calling Sears Protect directly.

Sears Protect Home Warranty does not provide a specific timeframe for when a service professional will arrive or complete repairs after a claim is filed. However, the company does outline expected timing for referrals.

If the initial claim is received and approved during regular business hours, Sears Protect aims to refer a service professional within two hours. For claims made outside typical business hours, Sears Protect will make a endeavor to contact a technician within 24 hours.

Overall, a Sears appliance warranty is available in nearly all states and includes free perks. While the coverage offered by Sears is fairly standard compared to other home warranty companies, its plans tend to be on the pricier side.

Although there is a higher cost involved, buying a Sears warranty can help you save money in the event of an appliance or system breakdow. If you’re looking to reduce expenses on home repairs in Texas, California, Florida, or anywhere else, a Sears appliance warranty is worth considering.