Home protection plan: covered repairs for HVAC, plumbing, electrical & appliances
A home protection plan helps pay for repairs when your heating, cooling, plumbing, electrical, or appliances break. Ours is a capped membership, not a home warranty or insurance: after a 30-day wait, covered repairs cost $0 per visit, up to stated limits.
What a home protection plan is — and what ours is
Search for "home protection plan" and you will find three different products sharing one name. Some are home warranties: service contracts that charge a fee every time a technician comes out. Some are add-ons sold with a utility bill or a new appliance. And some, like ours, are memberships.
MyHappyHome™ is a capped repair membership. You pay a monthly price; after a 30-day waiting period, covered breakdowns to your HVAC, internal plumbing, internal electrical, and listed major appliances are repaired by an independent local pro we coordinate, and the covered cost is paid direct to the installer, up to your plan's stated limit. Members pay $0 per visit. There is no underwriting and no home inspection to join.
Three things it is not, so there are no surprises later:
- Not a home warranty. There is no per-visit service fee, and the limits are stated up front instead of buried per item.
- Not insurance. It does not cover fire, storm, theft, or other sudden damage to your house. That is what homeowners insurance is for.
- Not a fix for something already broken. Joining never covers a breakdown that already happened. It protects you from the next one.
The breakdowns a home protection plan is for
Most repair bills start the same way: something that worked yesterday does not work today. Here is how the Whole Home Repair plan handles the four kinds of breakdowns homeowners deal with most.
When your AC or furnace stops working
Covered repairs to your central air conditioning and heating are paid direct to the installer, up to $3,000. You request service, we coordinate a qualified local HVAC contractor, and you pay $0 for the visit. Learn more about HVAC coverage.
When a pipe leaks, a drain backs up, or the water heater fails
Covered repairs to your home's internal plumbing system and the water heater listed in the plan are paid up to your plan's coverage limit. See what is included in plumbing coverage.
When an outlet, circuit, ceiling fan, or doorbell quits
Covered repairs to your internal electrical system, plus the ceiling fans and doorbell system listed in the plan, are paid up to your plan's coverage limit. See electrical coverage.
When the fridge, washer, dryer, dishwasher, or oven breaks
Covered repairs to the listed major appliances — refrigerator, range, oven, cooktop, dishwasher, washer, dryer, garbage disposal, and microwave — are paid up to your plan's coverage limit. See appliance coverage.
Every claim is subject to eligibility under your plan terms. Costs above the stated limit are yours, and items not listed in your plan are not covered.
What is covered — and what is not.
Repairs for HVAC, plumbing, electrical, and appliances, up to stated limits, paid direct to the independent pro who does the work. No surprises in the fine print.
Covered
- HVAC. Covered repairs to central heating and cooling, up to $3,000, paid direct to the installer.
- Plumbing. Covered repairs to your home's internal plumbing system, up to your plan's coverage limit, paid direct to the installer.
- Electrical. Covered repairs to your home's internal electrical system, up to your plan's coverage limit, paid direct to the installer.
- Appliances. Covered repairs to listed major appliances, up to your plan's coverage limit, paid direct to the installer.
Not covered
- Anything already broken when you join. A new plan never covers a breakdown that already happened.
- Pre-existing problems, known or unknown, before your coverage starts.
- Claims during the first 30 days — the waiting period before your first claim.
- Costs above your plan's stated limit.
- Items or systems not listed in your plan. Every claim is subject to eligibility under your plan terms.
Read the full membership terms or compare plans.
How much a home protection plan costs
There are two plans. Prices are monthly, and the per-visit fee for covered repairs is $0 — the number that tends to matter most once something breaks.
| Question | Whole Home Repair | HVAC Maintenance |
|---|---|---|
| Monthly price | $99/mo | $19.99/mo |
| What it is for | Repairs to central HVAC, internal plumbing and electrical, and listed major appliances | Preventive care for heating and cooling: seasonal tune-ups, inspection, and cleaning |
| Stated limits | $3,000 for HVAC; your plan's coverage limit for other covered systems and appliances | See plan terms |
| Per-visit fee for covered repairs | $0 | $0 |
| Wait before first claim | 30 days | 30 days |
| Underwriting or inspection to join | None | None |
For comparison, a typical home warranty charges $100–125 per service call on top of its contract price. If a year brings two or three covered breakdowns, those fees add up quickly. Full plan details are on the membership plans page.
How a claim works, step by step
- Enroll. Pick a plan and join online. No inspection, no underwriting.
- Onboard. We set up your membership and your home details so a claim is quick later.
- Wait 30 days. Coverage for claims starts after the 30-day waiting period. Anything already broken when you join is not covered.
- Submit a claim. When something covered breaks, tell us online or by phone. We review it under your plan terms; every claim is subject to eligibility.
- We coordinate an independent partner contractor. A qualified local pro does the work. MyHappyHome™ does not send its own trucks.
- Covered costs are paid direct to the installer, up to your plan's limit. You pay $0 for the visit, plus anything above the limit or outside the plan.
Want a longer walkthrough? Read how a home protection plan covers unexpected repairs and the benefits of a home protection plan.
Who a home protection plan is right for — and who it is not
Probably a good fit if you
- Own a home whose AC, furnace, water heater, or appliances work today but are getting older.
- Would rather budget a predictable monthly amount than absorb a surprise repair bill.
- Are tired of paying a service fee every time a technician walks in the door.
- Want one place to call that lines up a qualified local pro for you.
Probably not the right fit if you
- Have something broken right now. A plan will not cover it — get it fixed now and consider protection for the next breakdown.
- Want unlimited repair or replacement coverage. Ours is capped at stated limits, and costs above them are yours.
- Need protection from fire, storms, or theft. That is homeowners insurance — see home warranty vs. home insurance.
- Prefer to set aside your own repair savings and choose every contractor yourself. That is a reasonable choice too, and we would rather you pick what fits.
Still weighing it? Our honest take on whether a home warranty is worth it and how to compare home warranty plans applies to any plan you are considering, including ours.
Broken today, or protecting what comes next?
Path 1
Something Broke? Get It Fixed Now
If your AC, water heater, electrical panel, or fridge has already failed, start here. Because the breakdown already happened, a new membership does not cover it — you pay for that repair directly.
Something Broke? Get It Fixed NowPath 2
Protect my home from the next one
Join a membership, wait 30 days, and from then on a covered breakdown costs $0 per visit, with covered repair costs paid direct to the installer up to your plan's stated limit.
Compare PlansHow a membership compares to a home warranty.
The biggest difference shows up every time something breaks: members pay $0 per visit. Here is the honest side-by-side, limits included.
| Feature | MyHappyHome™ membership | Typical home warranty |
|---|---|---|
| Fee each time a pro comes out | $0 per visit | $100–125 per service call |
| Coverage limits | Stated up front: $3,000 for HVAC, your plan's coverage limit for other covered systems and appliances | Set per contract and per item — read the fine print |
| How repairs are paid | Covered costs paid direct to the installer, up to your plan's limit | Varies by contract |
| Underwriting or home inspection to join | None | Varies by provider |
| Who does the work | Independent, qualified local pros we coordinate — not our own trucks | Contractors from the warranty company's network |
| Something already broken when you join | Not covered | Generally not covered |
| What it is | A capped membership. Not a home warranty, not insurance. | A home service contract |
MyHappyHome™ is not a home warranty or an insurance policy. Coverage is capped at the stated limits, starts after the 30-day waiting period, and every claim is subject to eligibility under your plan terms.
Home protection plan questions, answered
What is a home protection plan?
"Home protection plan" is a broad name for any plan that helps pay for repairs when home systems or appliances break. Ours is a capped membership: after a 30-day wait, covered repairs to your HVAC, plumbing, electrical, and listed appliances cost $0 per visit, up to stated limits. It is not a home warranty and not insurance.
Is a home protection plan the same as a home warranty?
Some companies use the two names for the same product. Ours is different: it is a membership with no per-visit fee and limits stated up front ($3,000 for HVAC, paid direct to the installer). A typical home warranty is a service contract that charges $100–125 each time a technician comes out.
Will the plan cover something that is already broken?
No. A new membership never covers a breakdown that already happened, or a problem that existed before your coverage started. If something is broken right now, you pay for that repair directly. Coverage is for future breakdowns.
When can I make my first claim?
After the 30-day waiting period. Claims during the first 30 days are not covered. After that, covered breakdowns are handled under your plan terms, and every claim is subject to eligibility.
Who actually does the repair?
An independent, qualified local contractor that MyHappyHome™ coordinates. We do not send our own trucks. Covered costs are paid direct to the installer, up to your plan's limit.
How much does the home protection plan cost?
The Whole Home Repair plan is $99/mo. The HVAC Maintenance plan, which focuses on seasonal heating and cooling tune-ups, is $19.99/mo. Members pay $0 per visit for covered repairs.
More answers on the FAQ page, or read the full membership terms.
Ask us how the plan would work for your home.
A MyHappyHome™ advisor will answer questions about coverage, limits, and the waiting period. No pressure, no spam.
Talk to a MyHappyHome™ Advisor
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Keep comparing before you decide
Protect your home from the next breakdown.
Covered repairs for HVAC, plumbing, electrical, and appliances. $0 per visit, limits stated up front, coverage after a 30-day wait.