Sears Home Warranty (Sears Protect): Plans, Cost, Coverage and Honest Reviews

The Sears home warranty, sold as Sears Protect, is the home warranty offered through Sears Home Services. It covers repair or replacement of household appliances and home systems that break down from normal wear and tear. Sears says it has 75+ years of home service experience, 1,500+ in-house technicians, and more than 1 million homes serviced a year.

The plans are competitive on paper. Customer reviews are a different story. This guide covers both so you can decide with full information.

Sears Home Warranty plans and prices

Plan availability and prices vary by location. Enter your ZIP on the Sears Protect site for your exact quote.

Every Sears home warranty plan has the same core terms:

• $12,000 coverage limit per term
• $100 service deductible
• 24/7 online claim submission
• 6-month guarantee on repairs
• No home inspection required and no age limit on covered items

What Sears Protect covers

Systems (10): air conditioning including ductwork, heating including ductwork, electrical, plumbing, garage door opener, water heater, water softener, doorbells, smoke detectors, and ceiling fans.

Appliances (11 types, up to 12 items): refrigerator (up to 2), washer, dryer, range or cooktop, range hood, wall oven, dishwasher, built-in microwave, garbage disposal, instant hot/cold water dispenser, and trash compactor.

Sears home warranty coverage applies to mechanical breakdowns from normal wear and tear during the contract term, up to per-item limits.

Third-party reviewers note that Sears doesn’t exclude items for preexisting conditions, which many competitors do. Sears also doesn’t sell add-on coverage, so you’re limited to the items in your chosen plan.

Included perks

• $250 in annual benefits when used: 15% off Sears PartsDirect purchases, 2 HVAC tune-ups a year (not on Kitchen or Laundry plans), and 25% off non-covered appliance and HVAC repairs where available.
• 180-day workmanship coverage: if the same covered issue returns within 180 days, a technician comes back with no additional service deductible.
• Sears Home Advantage membership: earn $5 at enrollment plus $5 in points each month during your first year, to apply toward premiums or deductibles. Enrollment must be on or after June 15, 2025.
• Repair or replace: if a covered item can’t be repaired, replacement is provided under your plan terms.

Current promotion

Sears is offering 50% off a Sears home warranty repair, up to $150, completed during the 30-day waiting period with a qualifying plan (Appliance, Appliance + HVAC, Systems or Whole Home). Laundry and Kitchen plans get up to $100. You must enroll in a one-year plan, and if you cancel within 12 months the discount must be repaid. Check the Sears Protect site for current terms.

Limits to know before you buy

• 30-day waiting period: coverage doesn’t begin until 30 days after purchase.
• Dollar limits: coverage is capped per claim and per term, and there are exclusions.
• Service deductible: $100 per service visit.
• Return-service guarantee: it only applies to claims submitted while your plan is active.
• State variation: contracts and coverage differ by state. Sears markets Sears Protect plans in all 50 states, but plan types and availability vary by state.

What customers say

Independent reviews are mixed to negative, and you should weigh that before buying. Best Company reported that roughly 96% of Sears home warranty reviews on its site are 1-star. Recurring complaints in recent reviews include missed or hard-to-schedule technician visits, trouble reaching anyone by phone, and difficulty getting claims recognized.

This Old House’s review praised the $12,000 cap, the plan inclusions and the 180-day repair guarantee, but still did not recommend the plan.

The Sears home warranty does have happy customers too, including the two testimonials on its own page, which praise the convenience and online account access. Experiences with home warranties vary a lot by region and by the technician network in your area.

Is Sears Protect worth it?

It may be a fit if:

• You have older appliances and want coverage with no age limit and no inspection
• You value the high $12,000 term limit
• You’ll use the included tune-ups and parts discounts

Consider other options if:

• Service reliability matters more to you than plan features
• You want add-on coverage for extras like pools or roof leaks
• You’d rather not wait 30 days for coverage to begin

Before you buy a Sears home warranty, request a sample contract for your state, read the exclusions, and compare at least two or three other providers.

How to file a Sears Protect claim

1. Log in to your Sears Protect account (the Home Hub portal) or call to submit a service request.
2. Enter your address, policy information and a description of the problem.
3. Book an appointment. A Sears Home Services technician will diagnose the issue.
4. The technician repairs the item or arranges a replacement per your plan terms. You pay the $100 service deductible.

Keep records of every call, appointment and claim number.

How to cancel

The Sears home warranty allows cancellation at any time. Contact Sears Protect to cancel, and check your contract first. If you took the 30-day promotion, cancelling within 12 months means repaying the discount.

FAQ

What is a home warranty?

A service contract that pays for repair or replacement of covered appliances and systems that break from normal wear and tear. It is different from homeowners insurance, which covers damage from events like fire or storms.

Does Sears cover old appliances?

Yes. Sears says there’s no age limit and no inspection required, though coverage is for breakdowns during the contract term, not for conditions excluded in the contract.

How long is the waiting period?

30 days after purchase.

How much does Sears Protect cost?

Plans start at $35.99/mo for Laundry and run up to $90.99/mo for Whole Home, before location-based variation and taxes.

What’s the service fee?

$100 per service visit on every plan.

Is Sears home warranty legit?

Yes, it’s a real contract backed by Sears Home Services. Customer satisfaction is where it’s weaker, so read reviews and the contract before you buy.