home coverage

Protect your home and budget with a Toco Home Warranty Protection Plan

Toco Warranty Offers a New Home Warranty Choice for Homeowners to Select

Get Covered Now
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Award-Winning Customer Service

We’re here to assist you with claims, questions, and everything in between, whenever you need it.

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Affordable Plans

No matter which plan you select, it's designed to fit seamlessly into your household budget.

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Self-serve claims

With Toco Home Warranty Protection, you can easily submit claims through our online portal.

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Reliable Protection for Your Home and Budget

Our plans help cover repairs for essential home systems and appliances, ensuring your home stays protected from unexpected breakdowns. Enjoy peace of mind knowing we’ve got you covered, providing reliable protection and assistance whenever you need it.

Save on Unexpected Repairs

Avoid costly surprises with coverage for essential home systems and appliances.

Instant Coverage, Instant Access

Get confirmation of your plan and manage it effortlessly online.

Choose Your Trusted Technician

Pick your own professional or use our certified network.

Hassle-Free Claims Process

Submit claims easily and get quick approvals.

Faster Repairs, Less Waiting

Minimize delays and keep your home running smoothly.

Simple, Stress-Free Renewals

Stay protected with an easy plan renewal process.

Award-Winning Customer Service

Our award-winning service ensures you get fast claims support, 24/7 assistance, and expert guidance whenever you need it.

Flexible Coverage

Reliable Protection for Essential Systems

appliances

Appliances

Maintain the safety and efficiency of your appliances with full coverage.

plumbing

Plumbing

Experience worry-free plumbing with our all-inclusive protection.

electrical

Electrical

Keep your home energized and safeguarded against electrical issues.

HVAC

HVAC

Enjoy year-round comfort with reliable heating and cooling coverage.

Find the Right Coverage for Your Home

Choose from our flexible 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 Sample Contract

Gold

Starting at
$59/month


Enhanced system protection

What’s included

  • Water Heater
  • Refrigerator
  • Range / Oven / Cooktop
  • Range / Oven / Cooktop
  • Clothes Washer
  • 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 Sample Contract

Premium

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 Sample Contract

Empower your coverage with our add-ons

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Central Vacuum System

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Freestanding Freezer

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Swimming Pool and Spa

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Well Pump

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Septic System

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Well Pump & Septic System

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Secondary Refrigerator

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Water Leaks

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Additional Air Conditioning Unit

available for all plans

Plan Benefits – What’s Included?

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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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Financial Protection

Avoid paying out-of-pocket for expensive repairs.

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Your Choice of Service Technician

Pick a trusted pro or use our certified network.

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Hassle-Free Claims Process

Simple, fast claims with dedicated support.

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Reduced Repair Delays

Quick approvals to get your home running again.

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Immediate Coverage Confirmation

Get instant plan access and easy online management.

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Free Openbay+ subscription

Compare prices, book repairs online, and save up to 25% on maintenance.

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Easy Online Management

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

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How Toco helps you make homeownership easier

Owning a home is an investment—but unexpected breakdowns can lead to expensive repairs. With a Toco Home Protection Plan, you don’t have to worry about surprise costs, searching for a reliable technician, or dealing with frustrating delays.

  • Save Money

    Avoid the high cost of repairing or replacing essential home systems.

  • Support, Convenience & Peace of Mind

    Get instant confirmation of your coverage and 24/7 support.

  • Fast, Reliable Repairs

    We help mitigate repair delays and ensure swift service.

  • Seamless Renewal Process

    Stay covered with a simple, hassle-free renewal system.

A Toco Home Protection Plan keeps your home running smoothly and your budget intact.

Get Covered Now

Learn how it works, step-by-step

Choosing the right home protection plan helps safeguard your home and provides peace of mind for everyday repairs.
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Start Your Claim

Quick & Easy Filing

Start your claim effortlessly through our online portal or connect with our team for personalized assistance. Our user-friendly platform and dedicated support staff ensure a smooth beginning, guiding you through each step with clarity and efficiency.

Regardless of how you choose to file, we are prepared to handle your claim promptly, working toward a quick resolution.

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Repair or Replace?

Flexible Repair and Replacement Options

Once your claim is authorized, you can move forward with a repair or replacement based on our assessment.

Here’s what to expect:

Select Your Technician

You can choose your own technician - giving you control over who services your home; or we can connect you with certified professionals from our trusted network.

Seamless Replacement Process

If a replacement is the best option, we’ll walk you through securing a new item. You have the flexibility to obtain it in the way that suits you best, whether online, in-store, or through another preferred method.

Comprehensive Support

No matter which option you choose, our team is here to assist with documentation, authorization, and logistics, ensuring the process remains as smooth as possible.

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Submit Your Receipt

Effortless Receipt Submission

Submitting your receipt is quick and easy with our automated system. Simply upload your documentation through our intuitive platform, and our advanced review system will handle the rest.

Designed for convenience, this process ensures your claim is reviewed accurately and efficiently.

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Get Reimbursed!

Fast and Reliable Reimbursement

Enjoy the benefit of swift reimbursement through our efficient, automated system. Once your claim is approved, we prioritize rapid processing, ensuring funds are delivered directly to you with minimal delay.

Our focus is on closing your claim quickly and efficiently, so you can move forward with confidence.

What our customers are saying

Hear from some of the thousands of people who trust Toco for their coverage needs.