2 years ago I purchased a foreclosure from Freddie Mac with
an added bonus of a free Home Protect Home Warranty paid for by Freddie Mac. I do not remember the exact price but I
remember in closing that I raised my eyebrow at how expensive it was compared
to other industry comparable home warranties.
The Home protect website states: Peace of Mind Protection -
thats what the Home Protect Home Warranty is all about. And thats why it
covers 16 of your most important, and most-used, home systems and appliances. It lists plumbing, Electrical, Heating and
Air, Water heater, swimming Pool with the following disclaimer * If your
systems or appliances are found to have a mechanical failure that is due to a
condition that existed prior to the Agreement effect date (closing date), it is
possible that part or all of your claim will be denied. For those cases, Home
Protect will provide up to a 15% discount if you choose to use a Home Protect
service professional, where available, as well as up to a 30% discount towards
the purchase of a brand new appliance.
Home Protect Home Warranty refused to cover all of the
following claims on my home as each showed itself. Please keep in mind I had two home
inspections prior to the purchase, one from the VA and another from a home
inspector that I hired to walk around with thermometers and electrical gages
and pressure checkers to ensure everything in the house was operational at time
furnace to the house died. Guy comes out
to the house and says that the condenser died and that the HVAC system has not
been regularly serviced so the damage was negligent and HomeProtect Home
Warranty would not cover it. They could
assist in replacing at a discount which equated to 2 times the price of the
Home Depot price to replace the HVAC system. or he could do the repair at a few
Main sewer line busted day before Christmas
house full of family and friends. They
told me over the phone that it was not covered, if it was inside of the house
and a washer to a faucet they would cover that but not sewer.
Roof started leaking . They told me over the phone the roof is not
The electrical panel made a loud noise and a
breaker burnt up. I called Home Protect
Home Warranty and they told me over the phone that it was not covered that if a
plug stopped working that they would come look at it, but the main panel of the
house was not covered.
My refrigerator died. Guy came out and said that it was negligent
because we didnt clear out the vent under the refrigerator that they would
assist us with purchasing a new appliance at a discount. It was twice the price of an appliance
purchased from Home depot.
My washing machine died. Guy came out and said parts arent available
for that washing machine that they would assist with a discount again more
expensive than what it costs to buy from home depot. I will assume he lied but I decided I wanted
a new washing machine and dryer since mine wasnt energy efficient so I just
replaced it from home depot at a third of the price.
Window started leaking water. Called and said it was not covered.
Basement started leaking water. Called and said that foundations are not
I have paraphrased what was said because I did not take
notes at the time. What prompted me to write
this review is the fact that every time I called I requested for them to send
me a notice saying that they would not cover it. Not once did I get a correspondence from Home
Protect Home Warranty. They never even
sent me the home warranty details I asked for.
This week I received a notice in the mail Act now and get an increase in
coverage to $50,000. At a price of $50
month. This company is so crooked it
ticks me off that Freddie Mac (government) we the people are giving them so
I have complained to Freddie Mac through their online form
three times and have not heard back from them.
I love how government spends our hard earned cash to the point that we
are not important enough to be heard when they get it wrong. As a tax paying citizen I would have
preferred them not spend the money on useless home warranties.
One final note:
I helped a friend buy a house and we tried to get Freddie
Mac to put money towards a cheaper warranty with another company other than
Home protect Home Warranty and they would not do it. So then we tried to get them to not issue the
home warranty they said that they could not do that either.