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Home WarrantyPlansWhole Home Plan

Whole Home Plan

Your whole home, covered by one plan

One plan covers everything that can fail in your home. 22 appliances and systems, one monthly bill, one number to call.

  • Annual coverage limit $12,000
  • Appliance coverage limit $3,500
  • Systems coverage limit $6,000
  • $250 additional annual benefits when used
  • Service deductible $100
  • 24/7 online claim support
  • Spring HVAC tune-up ($120 value)
  • Winter HVAC tune-up ($100 value)
  • 25% off non-covered repairs
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A Sears Protect technician greeting a homeowner in her kitchen

22 covered items in the Whole Home Plan

Appliances

  • Refrigerator (up to two)
  • Washer
  • Dryer
  • Range or cooktop
  • Wall oven
  • Dishwasher
  • Built-in microwave
  • Garbage disposal
  • Instant Hot/Cold Water Dispenser
  • Trash compactor
  • Range Hood

HVAC

  • Air Conditioning (including ductwork)
  • Heating (including ductwork)

Plumbing (and electrical / other systems)

  • Electrical
  • Plumbing (faucets, toilets, stoppages, etc.)
  • Garage door opener
  • Water heater
  • Water softener
  • Door bell(s)
  • Smoke detector(s)
  • Ceiling fan(s)
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Most home warranty companies send whoever bids lowest in your ZIP. We're backed by Sears Home Services – over 75 years of experience and 1,500 background-checked, trained technicians.

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Help Avoid Costly Repairs — Protect Your Budget with Sears Protect.

Plans start at $49/month. Most members save on the first covered repair. Sears Protect helps you save when the unexpected happens.

  • Refrigerator

    Average cost to repair
    $315
    Average cost to replace
    $1,450
    Cost with Sears Protect
    $100

  • Washer

    Average cost to repair
    $250
    Average cost to replace
    $1,000
    Cost with Sears Protect
    $100

  • Air Conditioning

    Average cost to repair
    $400
    Average cost to replace
    $5,500
    Cost with Sears Protect
    $100

  • Heating System

    Average cost to repair
    $350
    Average cost to replace
    $4,500
    Cost with Sears Protect
    $100

  • Water Heater

    Average cost to repair
    $250
    Average cost to replace
    $1,300
    Cost with Sears Protect
    $100

  • Electrical

    Average cost to repair
    $280
    Average cost to replace
    $1,500
    Cost with Sears Protect
    $100
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Frequently asked questions about home warranties

Clear answers to how Sears Protect Home Warranty works, what it covers, and what to expect from service.

A home warranty is a service plan that helps pay to repair or replace major home appliances and systems when they break down from normal wear and tear. Unlike homeowners insurance — which covers events like fire, storms, or theft — a home warranty protects the everyday equipment you rely on, such as your refrigerator, HVAC system, water heater, and washer and dryer. When a covered item fails, you file a claim, pay a flat service deductible, and a qualified technician handles the repair.

For most homeowners, yes. A home warranty turns large, unpredictable repair bills into one manageable plan. A single major repair or replacement — like an HVAC compressor, water heater, or refrigerator — can cost hundreds or even thousands of dollars out of pocket. With Sears Protect you pay a flat service deductible per visit and get access to a nationwide network of technicians, a 180-day workmanship guarantee, and up to $250 in additional annual benefits.

Compare what each plan actually covers, the annual and per-item coverage limits, the service deductible, and how repairs are handled. Sears Protect is backed by 75 years of Sears Home Services experience and 1,500+ in-house technicians, offers clear plans for appliances, systems, or whole-home coverage, includes a 180-day workmanship guarantee, and requires no home inspection or age limit to enroll.

A Sears Protect home warranty covers the mechanical breakdown of major home appliances and systems caused by normal wear and tear — refrigerators, ranges, ovens, dishwashers, built-in microwaves, and washers and dryers, plus systems like heating, air conditioning, plumbing, electrical, and water heaters, depending on your plan.

Common exclusions include pre-existing conditions, improper installation or prior repairs, cosmetic damage, and routine maintenance. Damage from accidents, natural disasters, fire, or theft is handled by homeowners insurance, not a warranty. Repairs and replacements are also subject to your plan’s annual and per-item coverage limits.

No. Sears Protect does not require a home inspection before you enroll, and there is no age limit on your home or its appliances and systems, as long as they are in good working condition when your plan begins.

The service deductible is the flat amount you pay when a technician visits for a covered claim. Coverage limits are the most your plan will pay per item and per year. A workmanship guarantee means covered repairs are guaranteed for a set period — 180 days with Sears Protect. Repair or replace means that if a covered item can’t be fixed, it may be replaced according to your plan terms.

Sears Protect Home Warranty members have saved more than $18 million in repair costs⁴

Backed by Sears Home Services:
75+
Years of service
1,500+
Technicians
Million+
Homes serviced

“We've been buying appliances from Sears for a long time and we buy the coverage plans as well. The new Sears Protect Home Warranty provides me with the peace of mind that my older appliances are still protected. Sears is a company that I can trust when my appliances are failing.”

Charles R, LOUISIANA

“Appliances are so expensive nowadays, it's nice to have the reassurance that Sears will come fix my appliances and I don't have to keep throwing money away replacing appliances. I like that the Sears Protect Home Warranty makes it convenient and affordable. The online access means I can manage my account at my convenience. This is perfect for someone with a busy family like mine!”

Shonna K, VIRGINIA