Federal Home Assurance Home Warranty Review

#12 in Home Warranties

 

Federal Home Assurance is a leading provider of home warranty services for appliances, electronics, and HVAC heating and cooling systems. The company has been in service for more than 2 decades and has an extensive service network of 75,000 authorized technicians across the country.

 

Coverage

Federal Home Assurance takes a slightly different approach to home warranty. Covered items are bundled under different plans and homeowners are asked to select a set number of items for coverage.

 

Pick 3 Electronics Plan
This plan covers labor and/or parts required to repair or replace your electronic product after a "covered failure" or power surge incident.

  • Flat screen TV
  • Cellphone/ smartphone
  • Tablet
  • Notebook/ laptop

Additional coverage for all these items (except flat screem TV) can be purchased for the following eventualities:

  • Damage resulting from accidental damage from handling.
  • Dropping the product, spilling liquid onto it, or in association with screen breakage.

 

Pick 6 Appliances plus Water Heater Plan

Coverage for appliances less than 10 years old. Water heater is standard, this type of plan without a water heater is not available.

  • Refrigerator/Freezer combo
  • Gas Cooktop/Range/Wall Oven
  • Electric Cooktop/Range/Wall Oven
  • Range Hood
  • Warming Drawer
  • Built-in Microwave
  • Dishwasher
  • Clothes Washer
  • Clothes Dryer
  • Water Heater

 

HVAC Cooling Equipment Plan (of less than 5 ton capacity)

Covers labor and/or parts required to repair a “COVERED COMPONENT” of the HVAC cooling product after a failure or power surge incident. Only the items listed in the “COVERED COMPONENT” list on the company's website are eligible for coverage.

 

HVAC Heating Equipment Plan (of less than 5 ton capacity)

Covers labor and/or parts required to repair a “COVERED COMPONENT” of the HVAC cooling product after a failure or power surge incident. Only the items listed in the “COVERED COMPONENT” list on the company's website are eligible for coverage.

 

Price

Plan Type

Monthly Charge

Deductible

Pick 3 Electronics

$39

$50 per covered item

Pick 6 Appliances plus Water Heater

$39

$50 per covered item

HVAC Cooling Equipment

$30

$50 per covered item

HVAC Heating Equipment

$30

$50 per covered item

 

Fine Print

  • Cancelations made within 30 days of the contract purchase date are entitled to a full refund of the contract purchase price minus any claims paid. A pro-rated refund is given for cancelations made after 30 days of the contract purchase date.
  • No lemon guarantee
  • Coverage starts 30 days after purchase date

Final Thoughts

Federal Home Assurance offers a flexible home warranty program by allowing homeowners to choose from plans with a set of covered items. This way, homeowners could choose the type of coverage they need and set a budget accordingly. What makes this interesting is that Federal Home Assurance also offers electronics coverage for flat screen TVs, smartphones, tablets and laptops. A great option for homeowners searching to protect these items we use so much and that frequently break.  

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