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Universal Home Protection Review 2024
Universal Home Protection (UHP) has offered customers home warranty plans for over 30 years. This Universal Home Protection review delves into the company's coverage options, pricing, customer service quality, and other features in detail.
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Started in 1992, Universal Home Protection (UHP) provides comprehensive coverage for homeowners, homebuyers, sellers, and realtors. Initially, the company was established to serve only the customers of Wisconsin but later expanded to northern Illinois and the Chicago area.
This review has been curated based on extensive research conducted by our editorial team and existing customer reviews. This review aims to assist homeowners in the following ways:
- Providing information on various plans, coverage, costs, and exclusions
- Offering a step-by-step guide for filing claims
- Presenting genuine feedback from UHP customers
Why Universal Home Protection?
Universal Home Protection carries 30 years of experience
UHP’s plans offer 13 months of coverage
The company offers extensive coverage under the Basic plan
HomeWarrantyReviews.com
4.5/5 (40)
Angi
4.7/5 (13)
Yelp
2.5/5 (8)
Explore Verified Consumer Reviews for Universal Home Protection
This home warranty is so great! My water pump broke and I filed a claim and they called immediately and someone came to fix it asap! My washing machine broke and they gave us store credit to buy a new one! Never had a problem! They were always so fast to fix the problems and never made anything complicated! Really recommend them!
Always pleased with response to repairs and contractors. Would recommend to others.36
We have used UHP twice already and found them extremely helpful, competent and have had a great experience with the contractors they’ve sent to help us with any issues we’ve encountered.
I bought this home warranty when I bought my house and I keep renewing just in case. I have had a few major things replaced and the customer service is stellar. They even have an emergency hours answering service. Their techs in the Oshkosh area are great companies. I have been 100% satisfied with all the work I have had done. I would highly recommend Universal Home Protection. I have friends who are with other warranty companies and they aren’t as happy as I am.
Josh is a stand-up guy. Very responsive, professional, and if he can find a way to provide coverage, he will, rather than finding something in fine print to deny coverage. A+, would strongly recommend!
I left a review previously for our experience with our water heater failing - this time, we found that our air conditioning was no longer functioning. We called UHP and a service call was scheduled for two days later. I was able to meet the repairman and he replaced the broken part within two hours. We paid the $75 deductible and that was it. We normally would replace parts ourselves (we have an experienced handy man in the family nearby), but the part alone would have been almost $400 if we had purchased it from a parts supplier. We really weren't sure it was worth it to have the home warranty included with our home purchase, but it has paid off. The water heater replacement was around $1,000 so we have paid a total of $600 (policy + two deductibles) for about ~$1700 in repairs.
Pros & cons
Pros
- Hires only professional contractors or technicians after rigorous checks
- Charges a lower deductible
- Covers unknown pre-existing conditions
Cons
- Does not offer an option to opt for monthly plans
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Plans & Coverage Of Universal Home Protection
Universal Home Protection has three home warranty plans: Basic, Elite, and Ultimate.
- Basic Plan covers 18 home systems and appliances.
- Elite Plan covers everything from the Basic coverage plus two more items, excluding jetted bathtub. The extra items are water softeners, stand-alone freezers, and sump pumps.
- Ultimate Plan covers everything from the Elite Plan plus unknown pre-existing conditions. However, the plan can be purchased only when buying or selling a home.
Now, to better understand the coverage, take a look at the table below:
|
Items |
Basic Plan |
Elite Plan |
Ultimate Plan |
| Heating & Air Conditioning | ✓ | ✓ | ✓ |
| Electrical | ✓ | ✓ | ✓ |
| Plumbing | ✓ | ✓ | ✓ |
| Water Heater | ✓ | ✓ | ✓ |
| Built-In Microwave | ✓ | ✓ | ✓ |
| Kitchen Refrigerator | ✓ | ✓ | ✓ |
| Ice Maker (Kitchen Refrigerator) | ✓ | ✓ | ✓ |
| Wall Oven / Range / Cooktop | ✓ | ✓ | ✓ |
| Built-in Dishwasher | ✓ | ✓ | ✓ |
| Garbage Disposal | ✓ | ✓ | ✓ |
| Ceiling Fans | ✓ | ✓ | ✓ |
| Exhaust Fans | ✓ | ✓ | ✓ |
| Smoke & CO Detectors | ✓ | ✓ | ✓ |
| Garage Door Opener | ✓ | ✓ | ✓ |
| Door Bell / Chime | ✓ | ✓ | ✓ |
| Washer | ✓ | ✓ | ✓ |
| Dryer | ✓ | ✓ | ✓ |
| Jetted Bathtub | ✓ | ✓ | |
| Stand-Alone Freezer | ✓ | ✓ | |
| Sump Pump | ✓ | ✓ | |
| Water Softener | ✓ | ||
| Wine Chiller | ✓ | ||
| Unknown Pre-Existing Conditions | ✓ |
Optional Coverage
You can customize and enhance your coverage by opting for the following add-ons in exchange for some extra fees:
- Additional Built-In Microwave
- Additional Range, Wall Oven, Cooktop, Refrigerator, Built-In Dishwasher
- Septic System, Sewer Lateral Cleaning
- Additional Water Heater or Well Pump
- Additional Heating or Air Conditioning System
- Swimming Pool, Spa, or Combination Pool / Spa
Coverage Limitations & Exclusions
UHP has coverage limits for repairing or replacing covered items. The aggregate dollar limit is set up to $5000/malfunction. Take a look at the table below to find the coverage limits:
|
Items |
Limits / item |
|
Heating System |
$2,300 |
|
Water Heater |
$1,000 |
|
Air Conditioning System |
$2,300 |
|
Electrical |
$2,000 |
|
Garage Door Openers |
$600 |
|
Bathroom / Ceiling Fans |
$500 |
|
Plumbing |
$2,000 |
|
Primary Appliances |
$1,000 |
|
Kitchen Refrigerator |
$400 |
|
Ice Maker In Refrigerator |
$400 |
|
Oven / Range |
$500 |
|
Water Softener, Stand-Alone Freezer, Sump Pump |
$1,000 |
|
Wine Chiller |
$500 |
Universal Home Protection may also not cover certain situations that fall outside the scope of their coverage policy.
- Neglect, lack of maintenance, or unforeseen circumstances: Universal Home Protection may not cover the repair or replacement of an item if it is damaged due to neglect, lack of maintenance, or unforeseen circumstances. The unforeseen events may include flood, fire, accident, war, theft, vandalism, acts of God, etc.
- Known Pre-existing Conditions: Universal Home Protection may not cover the repair or replacement if an item in your home has a known pre-existing condition. Any defect to the covered home system or appliance existing before the plan was purchased will not be covered.
Note: We recommend homeowners review UHP’s contract to learn more about the company’s limitations and exclusions.
Universal Home Protection Cost
Universal Home Protection plans come with a 13-month coverage period. The homeowners’ plans range between $625 – $2,850/year, depending on the type of your home.
The total price depends on other factors, such as add-ons you choose or your area of residence. Look at the table below to learn more about the annual pricing.
|
Type Of Home |
Basic Plan |
Elite Plan |
Ultimate Plan |
|
Single-Family |
$625 |
$725 |
$825 |
|
Duplex |
$1,100 |
$1,300 |
$1,500 |
|
Three Unit |
$1,575 |
$1,875 |
$2,175 |
|
Four Unit |
$2,050 |
$2,450 |
$2,850 |
UHP’s pricing for single-family homes is affordable, considering the coverage provided. Moreover, all plans require a $100 deductible, which the homeowners pay during each service visit. However, for other types, the costs are a bit expensive.
Review of Plans, Coverage & Customer Service Of Universal Home Protection
Drawing from over 775 customer reviews, Universal Home Protection has garnered overwhelmingly positive feedback. The company has mainly stood out for its responsive customer service, earning numerous recent commendations and establishing itself as a trusted option for homeowners.
Review of Universal Home Protection Plans & Coverage
- Universal Home Protection offers three plans starting from $625.
- The Basic Plan covers 18 items in its catalog, the Elite Plan covers 19 items at the price point of $725, and the Ultimate Plan covers 23 items for $825.
- While the Elite Plan may offer additional coverage, the Basic Plan items are typically sufficient for most households.
- Additionally, the company has an aggregate coverage limit of $5,000, which is commendable compared to the market standards.
- UHP exclusively offers annual contracts, which may not accommodate homeowners seeking monthly payment options.
Review of Universal Home Protection’s Customer Service
- The positive Universal Home Protection reviews highlight the company’s exceptional customer service and reliability, with impressive ratings of 4.5/5 on Google Reviews and 4.9/5 on BBB.
- Customers praise UHP for its prompt response to claims, considerate contractors, and timely resolutions, contributing to high satisfaction levels.
Universal Home Protection Claim Filing Procedure: Phone Number, Web Portal, & Online Form
To file a claim, you can follow these steps:
- Visit the company’s website and locate the “File a claim” option. You can also initiate a claim by calling UHP customer support at 608-831-0285.
- Alternatively, you can choose the emergency claim option if you need a prompt response.
- Provide your details, such as your name, address, UHP account number, email, and phone number.
- Select the system or appliance you wish to file the claim.
- Specify the make and model of the system or appliance and upload a photo of it.
- Briefly describe what happened and your issue with the system or appliance.
- Click the submit button and wait for the response from the company.
- Once your request is processed, a technician will arrive at your home to fix the issue. During the service visit, you must pay him the service fee or deductible ($100).
Conclusion
Universal Home Protection has received favorable reviews across various platforms, emphasizing their prompt response to claims and the professionalism of their contractors. However, it’s crucial to consider that the company exclusively offers yearly subscriptions, which could impact your budget significantly.
Therefore, we highly recommend carefully evaluating the plans and pricing, reading customer reviews, and thoroughly understanding the terms before making a purchase decision.
Quick Details About The Company
The table below will help you know more about the UHP. Take a look:
| President |
James Imhoff |
| Year Of Establishment |
1992 |
| Address |
1111 Deming Way UNIT 207, Madison, WI 53717, United States |
Why Should You Trust Us?
- A comprehensive review of Universal Home Protection coverage was conducted to refine and optimize their policy outlines.
- Our analysis encompassed reviewing over 775 customer reviews from various platforms to understand customers’ concerns and viewpoints.
- This comprehensive review stems from 28 hours of exhaustive research dedicated to exploring every aspect of the company.
- All information presented in this review is directly sourced from Universal Home Protection's official website and their sample contract.
Frequently Asked Questions (FAQs)
Does Universal Home Inspection Conduct A Home Inspection Before Approving Policies?
A.
No, a home inspection will not be conducted by UHP before approving a policy. However, it’s essential to understand that the company does not cover pre-existing conditions under homeowners’ plans. So, you must ensure your systems and appliances are in good condition when the policy is initiated.
Will It Help If I Read Universal Home Protection Reviews?
A.
Yes, reading reviews helps you understand other homeowners’ experiences with the company. The intricate details in these Universal Home Protection reviews will give you a clear picture of what to expect when you opt for the company. It’s also a good idea to share your experience with other homeowners, as this helps them make the best decision possible.
Is Plumbing Coverage Included Under Universal Home Protection Plans?
A.
Yes, plumbing is covered under the Elite and Basic Plans. Depending on your requirements, you must choose a plan that suits your needs, as several other devices also get covered under a single plan.
Do I Need A UHP Home Warranty If I Have Homeowners Insurance?
A.
Homeowners insurance covers unforeseen events like theft or fire, but it won’t protect your systems and appliances from normal wear and tear. Therefore, having a UHP home warranty is advisable, as it covers damages to your devices caused by wear and tear.
How Many States Are Covered By Universal Home Protection Warranty?
A.
Universal Home Protection serves home warranty services to residents of Wisconsin, the northern part of Illinois, and the Chicago area.
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