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What is a Home Protection Plan?

A Home Protection Plan helps safeguard your home by covering unexpected breakdowns of essential appliances and systems. While homeowners insurance protects against disasters like fires or theft, a home protection plan steps in to assist with covered repairs —helping you avoid surprise expenses and keeping your home running smoothly. Toco offers flexible, month-to-month coverage—no long-term contracts, just reliable protection when you need it.

Avoid surprise repair costs & budget with confidence
Covers repairs for HVAC, plumbing, electrical, and appliances
Fast claims process with 24/7 support
Flexible, month-to-month coverage
Choose your own technician or use our certified network
Award-winning concierge team—ready to help anytime.
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Explore Our Plans

Find the Right Coverage for Your Home

Choose from our flexible Silver, Gold, and Platinum plans. Each option offers reliable protection for your essential home systems and appliances. All plans are available with $75 or $100 deductible options, giving you control over your monthly payments and out-of-pocket costs.

Silver

Starting at $39/month

Essential appliance coverage

What’s included
Water Heater
Refrigerator
Range / Oven / Cooktop
Clothes Washer
Clothes Dryer
Built-In Microwave
Dishwasher
Built-in Instant Hot/Cold Water Dispenser
Download Silver Plan Sample Contract

Gold

Starting at $59/month

Enhanced system protection

What’s included
Water Heater
Refrigerator
Range / Oven / Cooktop
Clothes Washer
Clothes Dryer
Built-In Microwave
Dishwasher
Built-in Instant Hot/Cold Water Dispenser
Central Air Conditioning (Electric only)
Ice Maker (In refrigerator or Stand Alone)
Central Home Heating (Gas or Electric)
Wine Cooler
Garbage Disposal
Trash Compactor
Download Gold Plan Sample Contract

Platinum

Starting at $79/month

Comprehensive whole-home protection

What’s included
Water Heater
Refrigerator
Range / Oven / Cooktop
Clothes Washer
Clothes Dryer
Built-In Microwave
Dishwasher
Built-in Instant Hot/Cold Water Dispenser
Central Air Conditioning (Electric only)
Ice Maker (In refrigerator or Stand Alone)
Central Home Heating (Gas or Electric)
Wine Cooler
Garbage Disposal
Trash Compactor
Garage Door Opener
Interior Electrical System
Ceiling Fans
Interior Plumbing Systems
Door Bell System
Whole House, Exhaust & Attic Fans (Built-in)
Kitchen Exhaust Fan
Programmable Thermostat
Download Platinum Plan Sample Contract

Empower your coverage with our add-ons

Vacuum Icon Central Vacuum System
Freestanding Freezer Freestanding Freezer
Swimming Pool and Spa Swimming Pool and Spa
Well Pump Well Pump
Septic System Septic System
Well Pump & Septic System Well Pump & Septic System
Secondary Refrigerator Secondary Refrigerator
Water Leaks Water Leaks
Additional Air Conditioning Unit Additional Air Conditioning Unit
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available for all plans

Plan Benefits – What’s Included?

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Seamless Renewals

Stay protected year after year with no extra stress.

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Hassle-Free Claims Process

Simple, fast claims with dedicated support.

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Immediate Coverage Confirmation

Get instant plan access and easy online management.

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Financial Protection

Avoid paying out-of-pocket for expensive repairs.

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Reduced Repair Delays

Quick approvals to get your home running again.

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Your Choice of Service Technician

Pick a trusted pro or use our certified network.

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Month-to-month Coverage

Our month-to-month flexible plans mean you get support without long-term commitments.

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Award-Winning Concierge Team

Get personalized assistance from our award-winning concierge team—ready to help anytime.

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Easy Online Management

Manage your plan, file claims, and track service requests with our user-friendly online portal.

How it works

A simple, hassle-free process to get your home back to normal—fast.
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Start Your Claim

Submit your claim online or contact our team for fast, personalized assistance.

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Repair or Replace

Choose your own technician or select from our trusted network. If a replacement is needed, we’ll guide you through the process.

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Submit Your Receipt

Easily upload your receipt online—our system takes care of the rest.

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Get Reimbursed

Once approved, we process your reimbursement quickly and hassle-free.

Learn more about how it works

FAQs: What Homeowners Want to Know

A home protection plan goes beyond just offering peace of mind—it safeguards key systems like HVAC, plumbing, and electrical, along with essential appliances such as your refrigerator and oven. Each plan fits your needs, ensuring your home functions seamlessly. Explore our plan details to see the full range of coverage we provide!

Yes! We prioritize flexibility when it comes to repairs. Once approved, you’re free to choose a service provider you trust. For replacements, our self-serve options give you control, making the process smooth and hassle-free.

Your satisfaction matters, but we understand that needs can change. Cancel within the first 30 days for a full refund, minus any service fees (if applicable). After that, prorated refunds are available. Our customer support team is here to assist, ensuring a seamless cancellation process. Check our terms for full details.

Our home protection plans typically last one year, providing consistent support for your home. You’ll have the option to renew or extend your coverage to match your evolving needs. See our plan terms for complete details on maintaining your protection.

Facing an issue? Contact us through our online portal, chat, or phone. Once approved, you can select your preferred technician for repairs, ensuring minimal disruption to your routine. A service fee applies as outlined in your plan’s terms, with a focus on efficiency and transparency.

While we strive to offer extensive coverage, some exclusions apply, such as cosmetic damage, improper maintenance, or pre-existing issues. Reviewing the exclusions in your Terms and Conditions helps ensure you fully understand your coverage and that our plan is the right fit for your home.

Selling your home? Transferring your protection plan to the new owner is easy. Just notify us within 30 days of the sale, and they’ll enjoy uninterrupted coverage—adding value to your home while giving them peace of mind.

Our protection plan is built on convenience and reliability. Using a data-driven approach, we provide fast, efficient claim processing and personalized coverage that adapts to your home’s needs. Choose a plan that works smarter to keep your home running smoothly.

Regular maintenance is key to getting the most from your protection plan. Take advantage of our online resources for home system care tips, and reach out to our customer service team for guidance. If an issue arises, don’t wait—report it right away. Your home’s well-being is our top priority.

The Toco at Home Protection Plan is supported by an “A-” rated insurance company. Northcoast Warranty Services, Inc. serves as the provider, with AssureSolv LLC as the administrator in all states except Florida, where Northcoast Warranty Services, Inc. also manages administration. Rest assured, you’re in good hands.

You can download the sample contracts for each plan right here: Silver Plan Sample Contract | Gold Plan Sample Contract | Platinum Plan Sample Contract
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Just can’t say enough good about my experience! They were awesome — knowledgeable, fast and kind. We are returning customers, which says a lot. We love the freedom of worries that Toco provides. We looked at other companies, but none gave us the peace of mind they do. Everything is easy to understand as well!

Diana - Phoenix, AZ

I had a very good experience, they were very informative and professional. I've been with them for a couple of years and have no complaints. Everything was easy to navigate, and their services are always on point.

Donald - Hackensack, NJ

I was looking for a warranty provider and researched the five best companies, and Toco popped up. Now I see why! The customer service was excellent, and my agent explained everything clearly. I would recommend them to anyone.

J - Houston, TX

We’re here for you when you need us the most.

The rising costs of home repairs can be overwhelming. Toco provides solutions to help manage these expenses effectively. Forget about paying expensive, unexpected repair bills. Get covered today.
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