Complete Care Home Warranty Review: Coverage & Cost (2023)

Note: As of December 2022, Complete Care Home Warranty’s website and phone number are out of operation. If you are interested in a home warranty, you can read about the best home warranty companies our team identified.

Homeownership is an expensive undertaking. Whether your roof has sprung a leak or your water heater is on its last leg, it can seem as though you’re always one day away from an expensive home repair. A home warranty might be an afterthought if you’ve saved thousands of dollars for the unexpected and have time to research technicians should an item break down. However, if you’re looking to save time and avoid high expenses that pop up, a home warranty can provide peace of mind that home systems and appliances are protected from big-ticket repair costs when the damage is the result of normal wear and tear.

We at the Guides Home Team have carefully reviewed the industry’s best home warranty companies, thoroughly analyzing sample agreements and passing the providers through our review standards which consider factors such as affordability, nationwide availability, brand reputation and base coverage. In this Complete Care Home Warranty review, we discuss the company’s coverage offerings, costs, pros and cons to help you make an informed decision.

+ Offers a 90-day workmanship guarantee on parts, which is longer than the 30-day industry standard
+ Customers are eligible for two months of free coverage when they pay annually
+ Charges a $49 service call fee, which is lower than the industry average of $77.13

– Isn’t available in California
– High-end appliance brands such as Sub Zero, Viking and Wolf are limited to $1,000 in total coverage, which is low compared to the coverage caps of competitors
– Received a cease and desist order issued by the California Department of Insurance for allegedly selling home warranties without a proper license

Complete Care Home Warranty offers three plan options. The Systems Plan covers your air conditioning, heating system, ductwork, electrical system and plumbing system, including plumbing stoppages. The Appliances Plan covers 10 essential appliances, including your dishwasher, cooktop and laundry machines. The Combo Plan combines the coverage of the two basic plans into one comprehensive package.

The add-on options available in your state will be listed when you request your quote. Not all add-ons will be available in all states.

Complete Care Home Warranty offers the following add-on options:

Complete Care Home Warranty offers three competitively priced plan options. The two basic plans are priced at $43 per month, while the Combo Plan is $7 more at $50 per month. You can expect to pay a $49 service call fee each time you file a claim.

Note: All of the cost data used in this article is based on our quote for a single-family home less than 5,000 square feet located in Swedesboro, N.J.

Complete Care Home Warranty has received mixed reviews from its customers. The most frequent complaints mention ambiguity around the replacements process for systems and appliances that could not be repaired. In 2021, Complete Care Home Warranty was one of four home warranty providers that received a cease and desist from the California Department of Insurance for allegedly selling home warranty policies in the state without authorization. Our team reached out to Complete Care for a comment on the cease and desist and the complaints found on third-party review sites but did not receive a response.

With that said, many customers have left glowing reviews about the quick service and the reliability of the contractors who completed their home’s necessary repairs. We feel that Complete Care’s low service call fee also makes it an attractive and reputable provider for homeowners with older appliances and built-in systems, as they may be filing claims often. Complete Care’s $49 service call fee is more than $25 less than the industry average of roughly $77.

We read 188 reviews from the Better Business Bureau (BBB), Google and BestCompany to gauge the reputation of the company. Below are some reviews from Complete Care Home Warranty customers who detailed their experiences with the company.

“The first time I called, the gentleman I spoke with was really helpful and made it easy to get through to the contractor. It’s easy to set up and quick. It’s a good deal. The price is good considering I am saving a lot of money.” — Roman of Sacramento, Calif., via Best Company

“Great and professionally done! I would highly recommend Complete Care [Home] Warranty for your house. I am highly impressed with how your process, from requesting the work to the completion of the work, was seamless and stress-free. I will definitely feel confident in calling you if any other of my household items become [too] overwhelming for me to handle. Thank you!” — Moon Fridman of Hollywood, Fla., via Best Company

“I called for my refrigerator and they arranged for the repair guy to come. The first time I called during COVID-19, they said don’t be surprised if you don’t get anybody, but I was able to get someone here. I had to wait a couple of days. They seem pretty trustworthy, though they could not replace the unit when they couldn’t repair it.” — Eugene of Port Huron, Mich., via Best Company

“Signing up was easy, but [everything] after that hasn’t been. First claim on my A/C on 6/14 was supposed to get reimbursed for out-of-pocket expenses after my deductible. I was first told they only issue checks every 30 days, so I waited and never received one. Called again and was told they only send checks out on Fridays and that my check was sent on 7/19. Today is 7/30 and still no check. Called today and now supposedly my check will be mailed out next Friday…” — William Cameron via Google Reviews

Complete Care Home Warranty is a valuable consideration for homeowners living in the states that it serves. While the website states that the company will cover any appliance regardless of age or brand, it’s important to note that Complete Care will cap coverage at $1,000 for high-end appliance brands. For this reason, we recommend that all interested customers carefully review their service contract so that they are fully aware of all potential coverage exclusions and limitations.

Despite this limitation, Complete Care Home Warranty offers one of the lowest service call fees in the home warranty industry. According to our research, the average service call fee across 39 companies is roughly $77, while Complete Care charges a fraction of that price at $49. In addition to its low service call fee, all of Complete Care’s plans are $50 or less, which is in line with the industry average of $38.73–$63.16.