ServicePlus Home Warranty Review
Formerly Total Home Protection. $400K Pennsylvania AG settlement. Active BBB Business Alert. 1.14/5 customer score. Cheap - but you need to do the homework before signing.
Overall Score
5.2
out of 10
BBB Rating
B
Active Alert
BBB Customer
1.14
1,000+ reviews
Entry Price
$41
per month
Active BBB Business Alert - verify before purchasing
ServicePlus has an active BBB Business Alert as of June 2026 research. A BBB alert is meaningfully more serious than a low customer score - it means the bureau has taken the unusual step of actively flagging this company. Verify the current nature of the alert directly at bbb.org before purchasing anything.
ServicePlus was Total Home Protection - $400K Pennsylvania AG settlement
The Pennsylvania Attorney General sued Total Home Protection for deceptive marketing practices, alleging the company misled consumers about what was covered. The company paid $400,000 in restitution in December 2021, according to the Attorney General's office, which named THS Group, LLC (doing business as Total Home Protection) and its owner. Review sites report that ServicePlus is the same company under a new name; we could not confirm when or why the name changed.
Our Verdict
Review sites report that ServicePlus Home Warranty used to be called Total Home Protection, the name on a $400,000 Pennsylvania AG restitution settlement announced in December 2021. We could not confirm when or why the name changed, so treat the settlement as part of the company's record and read the contract carefully.
There is also currently an active BBB Business Alert. A BBB alert is different from a low customer score - it signals active concern from the bureau itself. Verify the nature of the alert directly at bbb.org before purchasing.
The pricing is genuinely cheap. Gold plan around $41-$46/month with a $75 service fee is competitive. If you do the homework and decide the risk is acceptable for your situation, that price can make sense. But that's a lot of homework for a product that should be simple.
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Score Breakdown
Transparency score of 4.0 reflects the name change from Total Home Protection, the AG settlement under the former name and the active BBB alert. Customer Service 4.5 reflects the 1.14/5 BBB customer score.
Pros & Cons
+ What Works
- + ~$41-$50/month pricing - genuinely among the lowest in the market
- + $75 flat service fee - competitive with the lowest fees available
- + Platinum plan covers HVAC, washer, dryer, and refrigerator
− What Doesn't
- − $400,000 Pennsylvania AG settlement under former brand Total Home Protection - deceptive marketing allegations
- − Review sites report it is the former Total Home Protection; we could not confirm when or why the name changed
- − Active BBB Business Alert - verify current nature before purchasing
- − 1.14/5 BBB customer score from 1,000+ reviews
- − B rating, not BBB accredited
- − Coverage caps unconfirmed in research - verify from contract
- − Gold plan does not include HVAC, washer, dryer, or refrigerator
Plans & Pricing
Two plans. Get a current direct quote - pricing anomalies were noted in research where Platinum appeared cheaper than Gold.
Gold Plan
~$41-$46/moPlumbing, oven/cooktop, water heater, dishwasher, built-in microwave. Does NOT include HVAC, washer, dryer, or refrigerator.
Platinum Plan
~$38-$48/moAdds HVAC, washer, dryer, refrigerator. Note: appeared cheaper than Gold in some quotes - verify current pricing directly.
Legal & Regulatory History
Pennsylvania AG Settlement - Deceptive Marketing (December 2021)
Former company name: Total Home Protection
Settlement amount: $400,000 in consumer restitution
Allegation: The Attorney General's lawsuit alleged false advertising of coverage, deceptive means of denying covered claims, failure to respond to claims and inquiries, and refusals to refund; the settlement also bars advertising that contradicts the contract terms
Source: Pennsylvania Office of Attorney General press release
Name change: reported by review sites; not documented in the release
Active BBB Business Alert
An active BBB Business Alert exists for ServicePlus as of June 2026 research. The nature of active alerts can change - verify directly at bbb.org before purchasing. A BBB alert is meaningfully more serious than a low customer review score and warrants direct verification.
The rebrand context: Review sites report that consumers searching for "Total Home Protection reviews" are reading about the same company as ServicePlus. We could not confirm the timing of the name change, but the settlement is context every buyer should have.
BBB & Complaint Analysis
The Numbers
- BBB Rating: B, not accredited
- BBB Alert: Active - verify at bbb.org
- Customer Score: 1.14/5 from 1,000+ reviews
What 1.14/5 means
The 1.14/5 customer score from 1,000+ reviews is the second-lowest in this review set. At this volume and this score, it is not ambiguous. The dominant complaint patterns include claim denials that customers describe as unexpected given what they were told the warranty covered - which connects directly to the deceptive marketing allegations in the PA AG case.
Who It's Best For
Good Match
- ✓Budget-constrained homeowner who has fully read the above and accepts the risk. The pricing is cheap. If you understand the history - PA AG settlement, BBB alert, low customer score - and you verify the caps and coverage terms yourself, ServicePlus can be a functional low-cost option for the right situation.
May Not Be Ideal
- ✗Anyone who hasn't verified the BBB alert status - the alert is there for a reason.
- ✗Anyone for whom a company's regulatory history matters - the PA AG settlement is disqualifying for many buyers. A reasonable position.
- ✗Anyone who needs confirmed coverage caps - specific cap figures are not verified in available research.
- ✗Homeowners with older systems where high-value claims are probable - the 1.14/5 customer score suggests high-value claim outcomes are poor.
Contract Terms
| Waiting Period | 30 days standard |
| Service Fee | $75 flat per trade |
| HVAC Cap | Unconfirmed - verify from contract before purchasing |
| Cancellation | Pro-rated refund after 30 days minus claims paid |
| Auto-Renewal | Yes, annual |
| Arbitration | Yes - standard for the industry |
| BBB Accreditation | Not accredited - active BBB Business Alert |
Frequently Asked Questions
Is ServicePlus Home Warranty the same as Total Home Protection?
What was the Total Home Protection / ServicePlus PA AG settlement?
What is the BBB alert for ServicePlus?
What is ServicePlus's BBB customer score?
Is ServicePlus worth it?
What is the service fee?
Are coverage caps confirmed?
Why is the Platinum plan sometimes priced lower than Gold?
Alternatives to Consider
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View All ReviewsLast verified June 2026. Verify BBB alert status, coverage caps, and current pricing directly at serviceplusonline.com before purchasing.