TotalProtect has three main advantages. First, the company is by far the most generous, with no liability caps on most items. Of course, a few items are capped. But, even these have very high caps.

Secondly, TotalProtect offers an impressively thorough home warranty coverage. The Combo plan, their most expensive plan, covers pretty much everything you’d want to protect including expensive items, break-prone items, and uncommon items such as smoke detectors. Finally, like Sears, TotalProtect comes with a 180-day guarantee.