If you’re considering EverythingBreaks for home warranty coverage, here’s what you need to know upfront: This company offers budget-friendly plans starting around $150 per year, with full coverage options topping out around $700–$780 annually. While it’s cheaper than most national providers, there are a few red flags worth looking into before you sign up.
EverythingBreaks stands out for its electronics protection — offering coverage for phones, laptops, TVs, and small appliances — something most competitors don’t include. It also gets credit for free re-service if a repair fails, emergency repair availability, and a $0 cancellation fee. But not everything is smooth sailing. Customers report delayed repairs, confusing contract terms, and poor communication, especially when it comes to claim denials or payout delays.
In this review, we break down EverythingBreaks’ plan options, costs, and fine print. You’ll also see how it compares to top home warranty providers like American Home Shield and Choice Home Warranty, so you can decide whether it’s worth the risk — or better to go with a more established name.
Our Preferred Home Warranty Alternatives
Today’s Homeowner recommends a few home warranty companies to our readers. Below, you’ll see our latest suggestions and their money-saving deals. You can also read our review of the companies with similar home warranty plans to learn more about these top picks.
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Company Pros and Cons
Here are some high-level pros and cons for EverythingBreaks:
Pros
- Vast social media presence
- Low cancellation fee
- Different plan types available
- Online chat readily available
Cons
- Tricky terms and conditions
- Delays in repairs reported
- Higher optional coverage costs
- Poor communication reported
Trustworthiness
In this part of the review, we will help you decide if this company deserves your money and your trust. For this, we studied the company’s official website and EverythingBreaks reviews on the BBB.
Legal
Clients of EverythingBreaks Home Warranty actually sign the service contract with 4Warranty Corporation, and EverythingBreaks is only a contract seller. EverythingBreaks belongs to Matrix Warranty Solutions, Inc.
EverythingBreaks Home Warranty has been providing home warranty services to its customers since 2006. The company is headquartered in Texas but provides services all across the USA, including California, Texas, Florida, Virginia, and Ohio, so you have service available wherever you are. TotalProtect Home Warranty and AFC Home Warranty also serve homeowners throughout the country.
In case you are not satisfied with the company’s service, your dispute will be construed and enforced under Texas state law.
Accessibility
| Information Type | Description |
| How to contact | Main Page >> Contact Us |
| Online chat | Yes |
Another good indicator of EverythingBreaks’ trustworthiness is how accessible it is to its clients. To file a claim or get a free quote, you may contact EverythingBreaks Home Warranty online via the contact form or by phone, whichever works best for you. Online chat is available as well and the company is widely presented in social networks including X, YouTube, Instagram, and Facebook.
Reputation
| Information Type | Description |
| BBB score | A (Accredited) |
EverythingBreaks Home Warranty’s BBB rating is A, which is a strong indicator of the company’s trustworthiness.
Coverage
EverythingBreaks offers five coverage plans, ranging from tech-only protection to full home coverage. Here’s a breakdown of what you get — and what it’ll cost.
1. Technology Protection Plan
- What it covers: Phones, tablets, laptops, printers, cameras, MP3 players, car audio/video, and radar detectors.
- Cost: $15.88/month or $149.88/year
- Good for: Renters or homeowners who just want device protection.
2. Electronics Plan
- What it covers: Everything in the Technology Plan, plus TVs, home audio, and small kitchen appliances (like blenders, coffee makers, and vacuums).
- Deductible: $100 for screen or water damage; $25 for other claims.
- Cost: Not listed, but expect it to be slightly higher than the tech plan.
3. Starting 5 Appliance Value Package
- What it covers: Any five appliances you choose, including washer, dryer, fridge, dishwasher, oven, and more.
- Cost: $24.88/month
- Good for: Homeowners who only want partial appliance coverage.
4. Home Protection Plan
- What it covers: 17 appliances + your choice of 4 major systems (like HVAC, plumbing, electrical, or water heater).
- Cost: $528.88/year
- Deductible: $75 per service call
- Average industry price for similar coverage: $615/year
5. Total Home Protection Plan
- What it covers: Everything — electronics, appliances, systems, and tech devices.
- Cost: $699.88/year
- Comparable industry plans: ~$733/year
Optional Add-Ons
You can expand your plan with extras like:
- In-ground pool or spa
- Roof leaks
- Septic system or well pump
- Sprinklers, sump pump, water softener
- Wine fridge, humidifier, vacuum
Coverage Limits
- Appliances and systems: Up to $3,000 total
- Electronics: Also capped at $3,000 total
- Keep in mind: This is a combined limit, not per item.
EverythingBreaks offers flexible, mix-and-match plans that let you bundle only what you need. If you’re mainly concerned with electronics and small appliances, it could be a cost-effective choice. But if you’re looking for robust, hassle-free protection for your HVAC or plumbing systems, you may want to compare it to bigger providers like American Home Shield or Liberty Home Guard, which tend to offer more consistent service.
Summary of Plans and Coverage
Below is a summary of the coverage Everything Breaks offers for various home systems and appliances.
Air Conditioning
Coverage for the air conditioning system is limited to a unit up to a 5-ton capacity that is designed for residential use. EverythingBreaks Home Warranty covers mechanical parts and components of one centrally ducted air conditioning system. The capacitors, compressors, evaporator coils, relays, and thermostats are covered by the company. The coverage limit for the A/C system is $3,000.
Heating System
EverythingBreaks covers units that are up to 5-ton capacity and designed for residential use. The company will also cover mechanical parts and components of one system, as long as that system serves as the primary provider of heat for the dwelling. The coverage includes the heat/cool thermostats, heating elements, internal system controls, wiring, relays, etc.
Plumbing System
Plumbing system coverage by EverythingBreaks Home Warranty includes breaks and leaks on exposed water, gas, and drain lines within the perimeter of the main dwelling. An authorized repair technician will clear all drain and waste line stoppages which can be cleared with 100 feet of sewer cable.
Electrical System
EverythingBreaks offers coverage for the standard mechanical parts or components located within the perimeter of the outer load, interior standard light switches, outlets, junction boxes, and general line voltage wiring.
Home Appliances
All components and parts important to the functionality of home appliances are covered by this company. Rollers, racks, interior lining, clocks, lights, shelves, and filters are not included in this list.
The Fine Print
Home warranty contracts are full of small details that can make a big difference. Here’s what stands out about EverythingBreaks — the good, the bad, and what to watch for.
| Item | Value | Comparison to Industry |
| Coverage effective after | 30 days | Above industry average |
| Cancellation with refund within | 30 days | Above industry average |
| Cancellation fee | $0.00 | At industry minimum |
| Automatic policy renewal | No | As 8% of industry |
| Time to cancel automatic renewal | Unknown days | n/a |
| Fee for contract transfer | $40.00 | Above industry average |
| Cancellation with a refund within | 3 days | Above industry average |
| Repair timeframe | 2 business days | Below industry average |
| Repair timeframe (weekends and holidays) | Unknown days | n/a |
| Free second opinion | Unknown | n/a |
| Emergency service available | Yes | As 87.3% of industry |
| Hours for service calls | 24/7 | As 86.5% of industry |
| Reservice if repairs fail | Yes | Standard for industry |
| Free reservice period (parts) | 90 days | Below industry average |
| Free reservice period (labor) | 30 days | At industry minimum |
The transparency of the terms and conditions of any home warranty company indicates how trustworthy it is. In this part of the EverythingBreaks review, you will find a summary of our research comparing the company to the industry standards as well as to its competitors.
After signing a contract, your coverage starts in 30 days which is fairly standard for the industry. Companies such as Landmark Home Warranty, HomeServe USA, First American Home Warranty, and Total Home Protection also all have policies that are effective 30 days after purchase.
If you change your mind or are dissatisfied with the services provided by the company, you can cancel your commitment with a refund during the first 30 days of service, which is longer than the majority of the companies allow. After this period, EverythingBreaks offers free cancellations to their customers. BFS Home Warranty, 2-10 Home Buyers Warranty, and IGS Home Warranty have a $0 cancellation fee as well.
The maximum time to submit a claim is three days, which is fairly generous for the industry. If you are buying or selling a house, you can transfer your home warranty, which will cost you $40 at EverythingBreaks; the industry average is $25.
The company’s representatives are available around the clock. Like most similar providers, Everything Breaks offers emergency service. The contractor service at EverythingBreaks Home Warranty is usually provided within 2 business days of the request for non-emergencies.
There is re-service if repairs fail, which is a standard for the industry. The re-service period for parts of ninety days is below the market average, though the time period for labor is only thirty days and is at the industry minimum.
Unlike most companies in the industry, EverythingBreaks doesn’t offer an automatic policy renewal. So pay attention to the expiration date of your warranty and renew it on time if you want to continue to use their services.
EverythingBreaks offers solid flexibility when it comes to cancellations and emergency service, but their reservice timelines fall short compared to top competitors. And while the no-renewal policy might be a plus for some, don’t forget to set a reminder before your plan expires.
This site receives compensation from the companies featured in this listing, which may impact where and how products appear. This listing doesn’t feature all companies, products, or offers that may be available.
Customer Feedback
Customer reviews for EverythingBreaks are mixed — some praise the affordability and electronics coverage, while others report claim denials, poor service, and long delays. Here’s what stood out from our analysis of reviews on consumer sites such as BBB, SiteJabber, and Facebook.
Positive Reviews: What Customers Liked
Helpful Sales Reps (18%)
Customers appreciated reps who explained coverage clearly and didn’t use persistent sales tactics.
“Jess explained everything in a very thorough manner… more of a consultant than a salesman.”
Fast Electronics Claims (5%)
Quick turnaround for phone and tablet claims — often within a day.
“We had a claim for a cell phone screen… fixed by the next morning. No problems.”
Affordable Bundles (7%)
Users liked the ability to bundle home and auto warranties at a lower cost.
“Very practical and affordable for my vehicle and home.”
Negative Reviews: Common Complaints
Denied Claims & Exclusions (48%)
Nearly half of the negative feedback centered on claim denials — often after initial approval or due to fine print exclusions.
“They denied the claim… took my money and made it nearly impossible to use the service.”
Poor Communication & Long Waits (22%)
Customers and service providers reported delays, unreturned calls, and rude reps.
“They approved the car repair, but three months later we still haven’t been paid.”
EverythingBreaks may be a decent low-cost option if you’re mainly looking for electronics coverage and don’t mind doing some legwork. But if you’re hoping for seamless home system repairs and smooth claims handling, the track record here is hit or miss.
If you want peace of mind and faster, more reliable service, you may be better off with providers like American Home Shield or Liberty Home Guard — both of which consistently earn higher customer satisfaction scores.
This site receives compensation from the companies featured in this listing, which may impact where and how products appear. This listing doesn’t feature all companies, products, or offers that may be available.
Is EverythingBreaks a Good Choice?
EverythingBreaks is one of the few home warranty providers that includes electronics coverage — like phones, tablets, TVs, and even car electronics — alongside traditional home systems and appliances. Its plans are affordable, and the company earns points for $0 cancellation fees, no auto-renewal, and emergency repair availability.
But there are trade-offs. Claim denials, slow payouts, and poor communication show up often in customer reviews. While the company has an A rating with the BBB, real-world feedback tells a more mixed story.
If you’re mainly looking to protect gadgets or bundle minimal appliance coverage for a low monthly price, EverythingBreaks might be worth a shot — just go in with your eyes open and read the contract carefully. But if you’re after reliable, worry-free protection for major systems like HVAC or plumbing, you’re likely better off with more established providers like American Home Shield, Choice Home Warranty, or Liberty Home Guard.
