Sears Home Warranty: Plans, Claims and Cost

When your refrigerator dies the week before a holiday or your air conditioner quits in a heatwave, one repair bill can wreck your monthly budget. A sears home warranty — sold as the Sears Protect plan through Sears Home Services — is a service contract that pays for the repair or replacement of major home systems and appliances when they break down from normal wear and tear.

This guide covers the real plan options, costs, coverage limits, exclusions, and exactly how to file a claim that gets approved.

Quick Answer: Sears Home Warranty at a Glance

Sears Home Services sells three Sears Protect home warranty plans: the Appliance Plan (12 appliances), the System Plan (10 home systems), and the Whole Home Plan (both combined). Every plan charges a $100 service fee per claim, caps repairs at $3,500 per appliance per contract term with a $12,000 aggregate limit, and starts coverage after a 30-day waiting period.

Repairs are capped at $3,500 per appliance per contract term with a $12,000 aggregate limit, and there is no limit on the number of service calls you can request. File claims online or by phone at 1-800-469-4663.

Official Policy Verification & Source Check

How We Check This Policy: We read Sears Home Services’ official home-warranty help articles — the plan-cost FAQ, the service-call-limit FAQ, and the waiting-period FAQ — not forum rumors. Where Sears publishes no national price list, we say so plainly and label third-party 2026 quotes as sample quotes.

Sears Home Warranty Plans in Detail

Appliance Plan covers 12 major appliances, including the washer, dryer, refrigerator, range, oven, dishwasher, and built-in microwave. Pick it if your home systems are newer or still under builder coverage but your kitchen and laundry appliances are aging out.

System Plan covers 10 major home systems, including heating and cooling (HVAC), electrical, plumbing, and the water heater. It suits homeowners whose biggest financial risk is a failed furnace, AC compressor, or burst-prone plumbing — the repairs that run into the thousands.

Whole Home Plan combines both: the 12 appliances plus the 10 systems in a single contract. It is the closest thing Sears offers to comprehensive coverage and the plan most buyers choose when they want one contract for the entire house.

All three plans are built around the same service model: you pay a $100 deductible each time a technician is dispatched, and Sears Home Services itself frequently serves as the in-network repair provider — one of the brand’s genuine differentiators, since the company has serviced appliances for decades.

What Does the Sears Home Warranty Cover?

A Sears Protect plan covers repair or replacement of listed items that fail from normal wear and tear — the mechanical breakdowns that happen because parts age, not because of accidents or neglect. Coverage only applies to items explicitly named in your plan documents, so the plan you pick matters.

Does the Sears Home Warranty Cover HVAC?

Yes — on the right plan. Heating and cooling systems are covered under the System Plan and the Whole Home Plan, including the furnace and air conditioner. The Appliance Plan does not cover HVAC. During the 30-day waiting period, plan members get a 25% discount on HVAC repairs performed by Sears instead of full coverage.

Does the Sears Home Warranty Cover Older Appliances?

Often yes. Sears’ own guidance says older appliances are frequently covered unless they are beyond a certain age or have pre-existing problems. Because claim denials most often trace back to pre-existing conditions, document your appliances’ working condition when you enroll.

Coverage Limits You Should Know

The caps are the fine print that decides real claim outcomes. Under the Sears Protect plan, appliance repairs and replacements are limited to $3,500 per appliance or product per contract term, with an aggregate limit of $12,000 per contract term across everything. If a repair exceeds those limits, you pay the difference.

The good news: there is no limit on the number of service calls you can request — confirmed in Sears’ own FAQ, updated January 2026. You can file as many claims as you need; you simply pay the $100 deductible each time and stay within the dollar caps. Always check your plan documents, because limits are the section most buyers skip.

What the Sears Home Warranty Does Not Cover

The exclusions decide which claims get approved and which get denied:

• Excluded Pre-existing conditions. Breakdowns or issues that existed before your coverage started are excluded — the single most common denial reason.
• Excluded Improper installation or maintenance. Failures caused by faulty installation, misuse, or neglected maintenance are not covered.
• Excluded Cosmetic damage. Dents, scratches, and other cosmetic issues are excluded on all plans.
• Excluded Repairs over the caps. Anything beyond the $3,500 per-item or $12,000 aggregate limits comes out of your pocket.
• Excluded Accidental damage. Damage from accidents, not wear and tear, is excluded.
• Excluded Non-covered add-ons. Pools, spas, septic systems, and similar specialty items need optional add-on coverage where available.
• Excluded Unauthorized repairs. Sears will not reimburse services it did not approve in advance — always get authorization first.

Sears Home Warranty Cost and Service Fees

Your Sears Protect plan cost has two parts: the plan premium and the $100 service fee per claim. Sears does not publish a fixed national price list — the official cost FAQ says pricing varies by state and directs you to the online quote form. Sears’ own homeowner guide cites typical annual premiums of $300–$600 plus service fees.

Third-party 2026 sample quotes (not official) put monthly equivalents in roughly the $50–$70/month range depending on plan and state. Treat any number you see online as a sample quote: your real price comes from the Sears quote form for your ZIP code. The $100 per-call deductible, by contrast, is fixed and confirmed in Sears’ official FAQ.

How to File a Sears Home Warranty Claim

1. Request service online through your Sears account or by calling 1-800-469-4663. You must be current on plan fees to schedule.
2. Pay the $100 service fee (deductible) for the visit when you schedule.
3. Sears schedules your contractor — in real time or by connecting you with a service contractor. Sears Home Services often serves as the in-network provider itself.
4. The technician diagnoses and repairs the covered item. If it is beyond repair, it is replaced with a comparable model, within your $3,500 per-item and $12,000 aggregate limits.
5. Track the 48-hour window: per the sample contract terms, services are initiated within 48 hours after your request. If you use your own provider, it must be pre-authorized or Sears will not reimburse you.

Keep every service order number and receipt — if a dispute arises about a pre-existing condition or an authorization, your paper trail is your leverage.

Why Is There a 30-Day Waiting Period?

The Sears Protect plan has an initial 30-day waiting period from your purchase date — standard across the home warranty industry, and confirmed in Sears’ official FAQ. Coverage begins after those 30 days. The consolation: during the waiting period you get a 25% discount on appliance and HVAC repairs performed by Sears, so a breakdown in week two still costs you less.

Sears Protect for Rental Properties and Home Sales

Landlords can buy Sears Protect plans for rental properties, and tenants may be allowed to submit service requests directly — a real time-saver for owners of multiple units. Older rental properties are eligible, which matters because aging systems fail most. In real-estate transactions, sellers often include a home warranty to reassure buyers; confirm transfer terms in writing at closing.

How to Cancel a Sears Home Warranty

You can cancel your Sears Protect plan — cancellation terms, fees, and any prorated refund live in your contract documents, so read that section before you call. Have your contract number ready, note the date, time, and representative name, and get written confirmation of the cancellation and any refund amount.

Sears Home Warranty FAQs

Conclusion

For homeowners with aging appliances or systems, a Sears Protect plan is a reasonable hedge: three clearly tiered plans, no cap on service calls, a flat $100 fee per visit, and repairs performed by Sears’ own technician network.

The honest trade-offs: the 30-day waiting period, the $3,500 per-item and $12,000 aggregate caps, and state-variable pricing with no published national price list. If one $3,000+ appliance or HVAC failure would hurt, price the Whole Home Plan for your ZIP code. Get your quote at searshomeservices.com and read the sample contract before you enroll.

Sources: searshomeservices.com (official home-warranty FAQ, plan-cost FAQ, service-call-limit FAQ, waiting-period FAQ, and homeowner guides).

Disclaimer: This article is for informational purposes only. Sears Home Services may change plan names, prices, limits, and terms at any time, and pricing varies by state. Confirm current terms in your own contract or with an authorized Sears representative before purchasing or filing a claim.