Platinum Home Shield United States Reviews, Benefits, Official Price, Buy 2023

Platinum Home Shield United States Reviews - Platinum Home Shield sells home warranties, also sometimes called "home repair insurance." In exchange for a monthly fee Platinum Home Shield will pay to repair or replace any home appliance or system covered by your policy, like your refrigerator, stove or your home's HVAC system. You'll only pay a set service fee per repair.

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Coverage details

To get a better idea of what comprehensive home warranty coverage truly looks like, our team surveyed 1,000 homeowners and asked which systems and appliances were most valuable to them. Once the results were in, we took the responses and compared them to what each home warranty provider covers.

From our findings, we gathered that the top three appliances most important to a homeowner are the refrigerator, the oven/stove/range, and the clothes washer and dryer. The top three systems that hold the most importance are the electrical, plumbing, and air conditioning.

Refrigerator

The Gold Plan is Platinum Home Shield’s only plan that offers refrigerator coverage. You can purchase a $79.00 add-on for the Bronze or Silver Plans. Refrigerator protection includes the ice maker and any other parts needed for it to operate properly.

However, it doesn’t cover cosmetic parts, like shelves and light bulbs. The coverage cap for your refrigerator is $2,500.00 per contract term.

Oven/range/stovetop

Platinum offers oven and range protection in all three of its plans. Like the refrigerator, certain parts aren’t included, like light bulbs, clocks, and magnetic induction units. The coverage cap is $1,500.00 for this item.

Clothes washer and dryer

Like the refrigerator, only the Gold Plan protects the washer and dryer, but you can add coverage to the other two plans for an additional $79.00. As long as the part is needed for your washer or dryer to run properly, it’s protected up to $1,500.00 per term.

Electrical

Electrical systems are included in all three of Platinum Home Shield’s plans. Most electrical components are included in this coverage, minus smart systems, home security systems, lighting systems, gas fireplaces, and solar-powered systems, along with a few other cosmetic items like light bulbs. The cap is $1,500.00 per contract period.

Plumbing

All of Platinum’s plans offer plumbing protection, including coverage of blockages, leaks, and failures to items that make the system run. However, there are a lot of exclusions, including shower heads, tub stoppers, ejector pumps, water tanks, and toilet seats.

Coating, grouting, and caulking also aren’t covered, along with damage to pipes and fixtures from natural causes, like roots and minerals. The caps are $300.00 for toilet replacements, $500.00 for slab leaks, and $1,000.00 total per contract term.

Air conditioning

Air conditioning is protected in all three plans. This coverage is for thermostats, wiring, refrigerant leaks, ductwork, and other parts that help the air conditioner function. Excluded parts include window units, insulation, air filters, and more.

Air conditioning is paired with heating in the terms and conditions, meaning the coverage cap of $2,000.00 applies to both systems.

Coverage length

Coverage starts on the day your application is approved and you’re given a confirmation number. For homes that didn’t get an inspection before purchasing a plan, this is 31 days after your close of escrow or when your first monthly or annual premium is paid. The contract lasts for one year, but if you don’t give the company written notice 30 days before the contract ends, Platinum will automatically renew your contract for another term.

Coverage limits

Platinum Home Shield has coverage caps for some of the items in the plans, indicating that there’s a maximum amount the company is willing to pay for repairs and replacements. If the repairs cost more than the coverage cap, the homeowner will have to pay the remaining amount. All of the caps for major systems and appliances are between $1,000.00–$2,000.00 per contract term. This is about on par with competitors such as Home Warranty Inc.