BFS Home Warranty Review 2024

Plans & Coverage Of BFS Home Warranty

BFS home warranty offers three plans – Basic, Deluxe, and Premium. The company meets the diverse needs of homeowners and real estate professionals.

• The Basic Package Plan covers all the basic home systems, like a water heater, garbage disposal, and two air conditioners.
• The Deluxe Package Plan includes everything offered under the Basic Package plan. In addition, it covers major home appliances such as microwaves, washers, ovens, and refrigerators.
• The Premium Package Plan covers repairing and replacing refrigerators, water heaters, dishwashers, and all included home systems & appliances with no service fees.

BFS home warranty plans include unique features, such as no service fee (deductible) options and no restriction on the age limit of the home or its systems and appliances. Take a look at the table below to learn more about the plans:

Items	Basic	Deluxe	Premium
Air Conditioners (2)	✓	✓	✓
Water Heater	✓	✓	✓
Heating	✓	✓	✓
Standard Seer Upgrade	✓	✓	✓
Garbage Disposal	✓	✓	✓
Plumbing	✓	✓	✓
Electrical	✓	✓	✓
5 Point Tune-Up	✓	✓	✓
Circuit Boards	✓	✓	✓
Unknown Pre-existing Conditions	✓	✓	✓
Freon	✓	✓	✓
Line Clearing (up to 6ft.)	✓	✓	✓
Oven/Range		✓	✓
Microwave		✓	✓
Dishwasher		✓	✓
Refrigerator with Ice Maker & Dispenser		✓	✓
Washer & Dryer		✓	✓
No Deductible Option			✓

BFS Maintenance Plan

Additionally, BFS customers can also buy another plan named Maintenance Plan, which provides routine maintenance for dishwashers, ovens, or any other household equipment. It includes the Deluxe Maintenance Plan, which is priced at $189.

BFS Silver & Gold Plans

The company has two different websites; where on the first website, it offers the plans mentioned above (Basic, Delux, & Premium), and on the second website, it offers two different plans, namely - Silver & Gold.

Take a look at the table for more details.

Under these plans, BFS offers optional coverage for minor plumbing and electrical. It will cover all labor and parts of the following:

• Washers and seals in faucets and toilet tanks 
• Stoppage on drains, toilets, sinks and/or tubs
• Standard switches 
• Outlets & circuit breakers
• Short circuits
  

Note: If you opt for any of these plans, you must submit an inspection report to the company. Also, as per BFS’ contract, the company can examine any pre-existing defects on the covered items. 

Optional Coverage

The list below contains the optional coverage items from the plans listed on both the websites of BFS.  

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Coverage Limitations & Exclusions

BSF Home Warranty coverage includes specific limitations on each covered item. However, the company does not disclose these limits before purchase.

However, we found the following information upon further research and a thorough evaluation of the BFS contract.

If you have the Silver & Gold Plans, BFS will pay up to $1,500 for commercial appliances & Standard SEER option. The company may have separate exclusions for these plans; we recommend you carefully read the Silver & Gold Plans Terms.

Moreover, home warranty companies generally don’t cover damage from any kind of accident, abuse, misuse, fire, flood, windstorm, or act(s) of God. They also don’t cover damage from water, mold, mildew, fungus damage, insects, or rodents.

Also, BFS plans do not cover power surges or reduction issues as per its contract. The BFS Home Warranty coverage is limited to the perimeter of the dwelling and the interior of the residence.

The contract excludes any service or replacement provided by another company on a covered product without written authorization by BFS.

BFS Home Warranty Cost

The pricing of BFS Home Warranty plans ranges between $270 – $950 annually, and the deductible is $75 per claim for Basic and Deluxe Plans. 

The price of service call fees is on the lower end when compared to the industry average. Moreover, you can also choose a ‘no deductible option’ where you pay $200 for unlimited service requests or calls.

Have a look at the following table to understand the pricing better.

Note: BFS home warranty does not disclose monthly premiums. 

The annual cost details of the Gold and Silver Plan are mentioned below:

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Review Of Plans, Coverage & Customer Service Of BFS Home Warranty

BFS Home Warranty has been in business for almost 50 years, providing consumers with three competitive home warranty plans and various extra services that few in the industry provide. These include protection against pre-existing problems(unknown), rust, corrosion, freon, etc. 

Review Of BFS Home Warranty Plans & Coverage

• The basic plan, starting at $300 per year, covers essential systems, two air conditioners, and unidentified pre-existing conditions, which may suffice for most homeowners.
• BFS Home Warranty provides comprehensive coverage at reasonable costs, making it an appealing option for homeowners. However, the lack of explicit information regarding coverage limits before purchase may hinder the ability to make informed decisions.
• Customers seeking additional coverage can benefit from various add-ons, including options for a second appliance or system and a no-deductible option. 
• Moreover, the company offers maintenance plans in which customers can opt for routine maintenance services of home equipment. 

Review Of BFS Home Warranty’s Customer Services

• BFS Home Warranty has a Google Reviews rating of 3.3 out of 5 stars, with some customers satisfied with the professionalism of service professionals.
• The company operates two separate websites with distinct plans and cost details, potentially leading to customer confusion and misunderstanding.
• Numerous BFS Home Warranty reviews highlighted dissatisfaction with certain customer support representatives’ unprofessional behavior and difficulty scheduling service visits promptly, resulting in prolonged claim processing times.

BFS Home Warranty Claim Filing Procedure: Phone Number, Web Portal, & Online Form 

The BFS home warranty claim process is simple. Follow these steps to file your claim:

• You can contact BFS nationwide customer service at (800) 237-9910 during standard business hours of 8:00 a.m. to 5:00 p.m.
• Moreover, BFS has separate customer support numbers for different states. You can verify the appropriate number here before making your call.
• The company will assign a service technician to visit your home at an appropriate time.
• BFS will initiate the service within 24 hours, but if it is an emergency (like the loss of plumbing, heating, or cooling service), they may provide the service within 24 hours.
• Basic and Deluxe plan customers will have to pay a service fee for each requested service visit, and the service cost may vary depending on the state.

Conclusion

BFS home warranty operating two websites may not paint it in the best light regarding the trust factor. However, some customers have offered positive feedback on its services, which is a point to consider. 

We recommend customers read the terms and conditions before purchasing its plans and understand the fine print. Also, reading customer reviews to know more about the company may further help decision-making.

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Quick Details About The Company

Here’s what else you need to know about BFS Home Warranty.