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Optimum Home Shield Home Warranties Review


ConsumersAdvocate.org Rating: 4.4 / 5 (Excellent)
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Founded in 2022, Optimum Home Shield is a new entrant into the competitive home warranty market. The company offers a choice of three plans to suit homeowners' needs. All plans come with a low, $75 service call fee. Optimum Home Shield earns an A- rating from the Better Business Bureau and 4.4 out of 5 stars on Trustpilot. The company is located in Jacksonville, Florida.
 
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How is Optimum Home Shield rated?

Breakdown

4.3/5
Transparency
4.5/5
Claims Processing
4.6/5
Coverage Options
4.3/5
Additional Benefits
4.3/5
Customer Experience

Overall Rating: 4.4 / 5 (Excellent)

Optimum Home Shield is a new brand in the home warranty industry, but it has already garnered a positive reputation among consumers and consumer advocacy organizations. The company is owned by Fortegra, one of the world’s largest insurance companies offering home protection coverage. The company offers consumers a choice of three home warranty plans to help them find the warranty protection that best suits their home and financial circumstances. It's fast and easy to get a quote online and personalize your service contract with the extra coverage you might need for specialty items.

We do note that Optimum Home Shield could improve its online customer experience by providing more details on it coverage, including whether customers must work within the company's own network of contractors or have the option of choosing their own trusted service people. Information on coverage limits and policy exclusions are also missing from the website.

Coverage

Key Facts

Plan Types
Systems
Appliances
Combo Plan
Build Your Own

Coverage Options - 4.6 / 5

Like most other home warranty companies, Optimum Home Shield offers three plan choices: appliances-only, systems-only and full home protection. The company publishes a list of standard covered items under each of these plans for easy reference. Once you request an estimate and choose your plan type, you can also add coverage for specialty items like pools, spas, well pumps, and more.

What does Optimum Home Shield cover?

Covered Built-In Systems

  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Central Vacuums
  • Doorbells
  • Ceiling Fans
  • Ductwork
  • Furnace

Covered Appliances

  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwaves
  • Built-In Trash Compactors
  • Garage Door Openers
  • Garbage Disposal

Specialty Items

  • Pool/Spa
  • Septic Tank/Pumping
  • Well Pump

Contract & Price

Contract Details

Minimum Contract Length
12 month(s)
Home Inspection Required for Contract?
No

Contract & Price - 4.2 / 5

Optimum Home Shield requires customers to sign up for 12 months of coverage, however you can choose to pay for the service monthly.

We requested a quote for a combination systems and appliances plan for single family home in a midwestern city. The cost was $77.92 a month. In our experience, that's a little on the high side. But Optimum Home Shield has an extensive discount program. Currently, the company is running a promotion under which new customers can save $150 off a yearly plan. Seniors, educators, veterans, first responders, and other customers may all be eligible for lower pricing, too.

We encountered a problem when trying to evaluate whether Optimum Home Shield's plans are a good value. The company does not provide a link to a sample contract. It doesn't provide a list of exclusions — for example, do its plans cover premium brand appliances? Nor does it indicate anywhere on its website what the maximum benefits per covered item or per year are when you sign up for a home warranty. Homeowners need to know these details before deciding whether a home warranty makes sense for them.

One thing the company does mention is the pre-existing condition clause in its plans. The company will not pay claims if a customer knew about a problem with a system or appliance prior to signing a contract. The clause goes further to say that even if a customer didn't know about a problem, if a service contractor determines that a problem has been present for some time, the company can also deny your claim. We suspect that these restrictions spell trouble and surprises for customers filing claims down the road.

Cancellation Policy

Optimum Home Shield customers sign a one-year contract. The company does not mention whether early cancellation is possible or whether fees apply.

Claims & Service

Claims

Service Fee
75
Maintenance Records Required for Service?
No

Claims Processing - 4.5 / 5

You can file a claim by calling Optimum Home Shield directly or by using the company's web portal. The company does not offer a mobile app for account management at this time.

Optimum Home Shield Reputation

Company Details

Year Founded
2022
TrustPilot Rating
4.4 out of 5
BBB Rating
A-
BBB Positive Reviews
0
BBB Neutral Reviews
0
BBB Negative Reviews
0
Date Collected
2022-11-16

Reputation - 3.9 / 5

Although Optimum Home Shield was founded in 2022, as of this writing, the company already enjoys a favorable reputation online. Reviewers on Trustpilot give Optimum Home Shield a 4.4- out of 5-star rating. Several noted the speed of service they received and satisfaction with the value they were getting from their home warranty coverage.

While not formally accredited by the Better Business Bureau, the organization gives the company a respectable A- rating. Various home products publications have posted positive reviews about Optimum Home Shield, as well.

Contact & Additional Information

Homepage URL
https://optimumhomeshield.com
Company Phone
(877) 807-1500
Headquarters Address
841 Prudential Drive, Suite 1256, Jacksonville, FL, 32207
Year Founded
2022

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Customer Comments & Reviews

Loading Reviews ...
Bruce H
1/31/2023
I have a claim and I cannot get in touch with Optimum Home Shield. They are not answering their phone. I have tried to email them and nothing. I sent them a request through their Facebook page and nothing. They are not responding to me at all.

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