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Best Home Appliance Insurance Warranties (68 Companies Ranked & Reviewed)

Top Best Home Appliance Insurance Review

Looking to find the best home appliance insurance?

Perfect, you’re in the right spot! In this ReviewHomeWarranties.com guide, you’ll learn:

  • What’s home appliance insurance and how does it work?
  • How expensive is it and what tricks can help me save money?
  • Any tricks to save money on your monthly bill
  • Who provides the best home appliance insurance coverage and is it worth it?

We’ve reviewed 68 different companies that offer home appliance insurance, and below are our top picks for coverage specific to your state. Want to find out which coverage is most suited for your needs? Continue reading!

Editor's Choice
97.0

Limited Time: New Customers Get $50 Off
Claim Offer
Best Overall
97.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
96.5

Limited Time: $150 Off + 2 Free Months + roof coverage
Claim Offer


Best Home Appliance Insurance Options (2021)

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.50
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 97.00
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 96.50
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Liberty Home Guard
Editorial Rating 96.10
  • $200 off + 2 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 ServicePlus Home Warranty
Editorial Rating 95.50
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)

Compare Home Appliance Insurance Providers

ProviderVisit SiteBest ForMonthly CostService FeeBBB RatingStates Not Covered
Choice Home WarrantyVisit SiteBest Overall$36-$44$60-$85BCA, WA
American Home Shield

Visit Site

Most Customizable

$40-$70

$40-$70

B

AK

Select Home WarrantyVisit SiteMost Affordable$36-$50$36-$50CNY, NV, WA, WI
Liberty Home Guard

Visit Site

Best Reviews

$40-$60

$60

A

CA, IL, WA, WY, WI

ServicePlus Home WarrantyVisit SiteBest Emergency Service$41-$45$75-$125A-AR, CA, CT, HI, IA, LA, ME, MD, MA, MN, NV, NH, NM, OR, SC, VT, WA, WY

Home Appliance Insurance Ranked

For a new homeowner or a first-time buyer, the terms home warranty, homeowners insurance, and appliance insurance might be a little confusing. After all, they are all geared to protect your home and save you from spending more on repairs and replacement costs.

Those appliances aren’t going to protect themselves. And these days, they are built for planned obsolescence. So for added peace of mind and simplicity, many are turning to appliance insurance as a way to augment what is not covered in homeowner’s insurance. Think of it as “gap” insurance for your appliances.

So, what is the difference between appliance insurance, home warranty, and homeowners insurance? 

A homeowners insurance is a home protection plan that covers your home for accidents and break-ins. So in case, there’s a fire or a natural calamity that has hit your home and destroyed your home systems or appliances, the insurance will compensate you.

But what if your refrigerator just stops working due to normal tear and wear? Here’s where you need appliance insurance. It covers all your home appliances, but only if they break down due to normal wear and tear. With some insurers, you’ll be required to provide maintenance records as they won’t cover neglect.

There’s also a manufacturer’s warranty, and this is issued by the brand of the appliance you own, but it only covers one item and only lasts for a short period, between 1-3 years mostly.

Appliance insurance is often paired with systems, and it makes up a home warranty.

So, what is the best appliance insurance?

#1. Choice Home Warranty (Best Appliance Insurance)

Choice Home Warranty offers the best appliance insurance on the market. If the appliances in your home are six days old or sixteen years old, Choice will not deny you coverage under their home warranty policy for appliances. The great thing about appliance insurance is that you are protected against both repairs and replacements on your appliances. Choice Home Warranty has been in business for more than ten years and stands out among the simplest yet most effective appliance insurance options on the market.

When protecting your appliances against expensive repairs, it is essential to pay attention to your appliance insurance policy limits. All appliance insurance policies are designed with limits. If your stove or dishwasher costs more than the policy limit, you will be responsible for the remaining cost. Choice Home Warranty has policy limits of $3000 on most major appliances. Compared to American Home Shield with $2500 on many appliances and Select Home Warranty around $500, Choice Home Warranty wins the race. 

When purchasing home appliance insurance, you can either pick a policy that covers only the appliances or something that will take care of both appliances and systems in the home. Systems tend to require quite a few expensive repairs. Choice Home Warranty has the Basic Plan and Total Plan, and they each cover appliances and systems. This allows for broader coverage of the home. With fair pricing and appliances like your dishwasher, washer, microwave, oven, and refrigerator all covered under the same great plan, the Choice Home Warranty is the best appliance insurance that you can buy. 

Right now is the best possible time to invest in the Choice Home Warranty appliance insurance policy. With $50 off, one month free, and no cancellation fee for the first 30 days, there is no reason not to give Choice Home Warranty a try. 

#2. American Home Shield (Most Customizable)

American Home Shield is our editor’s choice for the best appliance insurance on the market. Whether you need coverage for your kitchen appliances or laundry room appliances, American Home Shield will have coverage options that will benefit you. One of the things that make American Home Shield stand out is the ability to customize a plan. If you want to ensure your dishwasher is covered, or you don’t think your refrigerator is worth protecting, AHS will allow you to pick and choose coverages. All major appliances are available to add to your plan, including the dishwasher, dryer, washer, oven, cooktop, and more. In addition, American Home Shield has some of the highest policy limits on its appliance coverage. 

It is great to put a custom plan together, but you can also customize your payment structure. American Home Shield allows customers to pay a bit more for their monthly payment if they want to keep service requests fees lower. If a lower monthly payment and higher service fee work better for you, that is also an option. With more than 50 years in the industry, AHS has an excellent feel for what customers need and how they can help to produce these benefits. American Home Shield has one of the best reputations in the industry and covers an extensive area of the United States. 

The one downside to the American Home Shield plan is that the pricing remains a bit higher for premium coverage like this. However, if you sign up for your plan today, you can get $50 off. The $50 off gives you a great deal but also a perfect way to preview this plan and ensure it is the right one for your home.

#3. Select Home Warranty (Most Affordable)

Select Home Warranty is the most affordable appliance insurance on the market. With the lower pricing of Select Home Warranty, you can protect an entire group of appliances for the same price that you would protect a single appliance when going with another home warranty company. The Select Home Warranty Silver Appliance Plan is the best choice for those looking for appliance insurance. This plan will cover the refrigerator, washer, microwave, oven, dryer, disposal, and dishwasher. Other basic plans from companies like Choice Home Warranty will not cover the refrigerator. 

In addition to the affordable appliance coverage offered by Select Home Warranty, this company also gives free roof leak coverage with each policy they sell. Even if you are just looking to protect your appliances, Select throws in this extra roof leak coverage. The service fees for Select will be right around $65, making them some of the lowest on the market. In addition, the contractors that come to your house to repair are highly certified and have to go through Select Home Warranty training procedures. Overall, it is hard to turn down the Select Home Warranty service for the price you will pay. 

Select Home Warranty offers one of the best sign-up incentives on the market. You will get $150 off, two months free, and 30 days to cancel your policy without charge. Now is the best time to get your appliances covered with the best appliance insurance on the market.

Home Appliance Warranty of a Different Name

Home warranty companies offer appliance insurance as part of more general plans of service. But as you research, it can get confusing. Home appliance insurance is also known as:

  • Home Appliance Warranty
  • Home Repair Insurance

It’s all the same stuff. So, to take some of the mystery away, we wanted to provide you with a comprehensive guide to the best appliance insurance policies from the best home warranty companies, and details on everything you should consider in finding the right coverage options and making the right policy purchase for you.

We have analyzed and compared factors related to home appliance insurance market from multiple home warranty providers and compiled them together in one place so that you can choose the best warranty plan that fits you best.

Please use our charts and the information below to compare both basic and more advanced home appliance insurance programs.

Make sure you read home warranty reviews to get a complete understanding of the offering. Each of these comparison tables will change based on your location in the U.S, so in whatever part of the country you are reading this, the data is tailored to you. 

If you’re looking for a trusted, industry-leading home warranty company, we recommend Choice Home Warranty. They’re a top-rated brand and right now you can take advantage of their current promotions that get you $50 off, plus one free month and free 30-Day cancellation. Get a free online quote or contact a specialist at 929-400-6169 before these deals end. Another great option is American Home Shield which offers $50 off. Get a free quote online or you can call a home warranty specialist directly at 866-464-7521.

What Is Home Appliance Insurance?

“Home appliance insurance”, aka a home appliance warranty or home repair insurance, is a policy that specifically covers the cost of repairing and maintaining appliances in your home.

While you may think of insurance as a means of helping you plan for and weather unexpected events, home appliance insurance covers the expected wear and tear that comes with owning and operating the appliances in your home.

Beyond homeowner’s insurance and a manufacturer’s warranty, this kind of policy is all about managing the cost of routine deterioration or breakdown of devices in your home.

Appliance insurance as part of your home warranty plan is basically a service contract for appliances in your home like your dishwasher, refrigerator, cooktop, oven, and clothes washer and dryer. Many insurance plans will cover both systems and appliances – a system would be something that encompasses most areas of the house, like your air conditioning. Appliances usually refer to stand-alone simple or complex machines in the home. 

Read Also: Can My Rental Property Have Appliance Insurance?

What Does Home Appliance Insurance Cost?

The plans we’ve researched range from basic plan premiums of $300 to just under $800 a year as part of the broader home warranty cost that includes appliance insurance.  

The average home warranty costs between $25- $50 per month, and as demonstrated above, at least the most basic coverage/ plan is within range, with only a few going overboard. We can therefore conclude the companies listed above have affordable plans for homeowners but is it worth it.

Best Appliance Insurance Price

Each of the appliance insurance companies listed provides comprehensive coverage for their customers; the question is at what price and to what extent. The cost of a home warranty usually varies from state to state, depending on the company.
 
Here is a table comparing the price of a plan in Florida, the service fees, and cancellation fees across various providers.
 
CompanyAverage CostService FeesCancellation Fees
Choice Home Warranty
  • Basic plan: $46.83 per month
  • Total plan: $54.75 per month
$60- $85
  • Free within the first 30 days.
  • $50 after the first 30 days
American Home Shield
  • Shieldsilver: $45.82 per month
  • ShieldGold: $55.82 per month
  • ShieldPlatinum: $70.82 per month
$75- $125
  • Free 30 days cancellation period
  • 30+ Days fee is ≤ 1 mos. payment
Select Home Warranty
  • Bronze Care: $41 per month
  • Gold Care: $41 per month
  • Platinum Care: $47 per month
$60- $75
  • Free 30 days cancellation period
  • $75 cancellation fee after 30 days.
 

All insurers have limit caps that determine to what extent an item is covered. Here’s a table comparing the limit caps for the best appliance insurance companies to help you determine whether you are getting value for your money.

Best Appliance InsuranceCoverage Limits for Appliances
Choice Home Warranty

$3000

American Home Shield

$3000 for ShieldGold 

$6000 for ShieldPlatinum

Select Home Warranty

$500

But premiums are not the only costs to keep in mind. Here is a breakdown of the kinds of costs you should be paying attention to as you compare home appliance insurance prices. Plan options, covered items, and many other factors will impact price. 

Premium

The first cost consideration as mentioned above is the premium. There can be as much as a $500 price differential, so you need to take a close look at what that premium gets you. If you start at $300 but need to add on to get the coverage you want, you are not realizing any real savings.

home appliance insurance facts

Service Fees

Too often, people forget the service fee aspect of home appliance insurance. Also known as a deductible, the service fee is another cost to consider. Service fees are usually somewhere between $50 and $100. And just like other types of insurance, a higher deductible means higher out-of-pocket costs per claim. But it could be a factor in reducing your monthly premiums, so you need to weigh that. 

Read Also: How Much Do Regular Home Warranties Cost?

So again, depending on your insurer and level of coverage, you can expect home appliance insurance to cost between $300 and $800 among the providers we’ve ranked here. It’s important we call out that buying a policy that covers more appliances or adding on coverage of appliances beyond the basic plan will increase your premiums. Deductibles and service fees are also factors to weigh and will affect the overall cost of insurance. 

Our Top Picks Recapped

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.50
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 97.00
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 96.50
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Liberty Home Guard
Editorial Rating 96.10
  • $200 off + 2 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 ServicePlus Home Warranty
Editorial Rating 95.50
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)

Is Home Appliance Insurance Worth It?

Having looked at the top appliance insurance providers’ coverage, cost, and coverage limits, it’s obvious that you will be getting value for money as there are comprehensive plans and generous capping limits.
 
However, this is not enough consideration as the type of service offered is equally important. After all, no one wants to end up with a good deal, but at the end of it, having to pay for a repair or replacement out of pocket due to poor services.
 
Overall, Choice Home Warranty is ranked as the top provider with the best service. They have 24/7 customer support, a quick turnaround of 2 business days, and professional service contractors.
 
American Home Shield is also well rated in terms of service provision, with 24/7 customer support, an emergency service, and a quick turnaround of 2 business days. However, their workmanship is only 30 days, and this is considered a short period compared to the Choice Home Warranty workmanship guarantee of up to 90 days.
 
With Select Home Warranty, there are numerous complaints about delayed service and unprofessional service, but not to worry as you have a 90 days free reservice period. There’s also 24/7 customer support, an online portal to file claims, and emergency service available.

You may be surprised at what all is potentially covered by home appliance insurance. Appliance insurance potentially covers a wide range of major systems including:

  • Pool
  • Central vacuum
  • Sump pump
  • Well pump
  • Electrical system
  • Lawn sprinkler
  • Septic system
  • Spa
  • Ceiling fan
  • Built-in microwave
  • Cooktop
  • Refrigerator
  • Oven

And if there is a question about coverage, most states have some form of dispute resolution process. And appliances plan providers have a vested interest in making things clear from the outset and getting you the coverage outlined in your contract. Here’s a list of even more appliances covered in most plans:

  • Dishwasher
  • Ductwork
  • Garage door opener
  • Air conditioner
  • Plumbing System, including stoppages
  • Clothes washer
  • Clothes dryer
  • Heating system
  • Water heater
  • Garbage disposal

To understand if home appliance insurance is worth it for you, consider your current life situation. If you are putting your house on the market, home appliance insurance can be a great incentive to home buyers rather than replacing things. Leave upgrades to the new owner, but offer some peace of mind to them in the process. 

Or maybe this is your “forever home.” If the home is an older home and you have some concerns about appliances and systems, it might be time to look at home appliance insurance.

Read Also: How Does Coverage For Your Septic System Work?

Rather than worrying about getting hit with multiple repair costs, it might make sense to use home appliance insurance as a hedge against those kinds of unwelcome financial surprises. 

Things to Consider to Decide if Home Appliance Insurance is Worth it For You

  • Understand the Limitations – Home appliance insurance is not the same thing as homeowner’s insurance. And you can have a very basic plan, or a combo plan with add ons that fit your needs. Even the most comprehensive plan is meant to augment, not replace, homeowner’s insurance with an added layer of protection for wear and tear. But if you are hoping to replace home systems like your HVAC system or Furnace with an appliance warranty, that is probably well outside the scope of the coverage.
  • One Size Does Not Fit All – When choosing, get a right-sized policy for your needs. Premiums, deductibles, and add-ons can drive up the overall cost. You need to assess your own situation, the size of your home, and other factors to craft a policy to fit those needs.  Some companies offer policies with no deductible.
  • Assess Your Current Appliance “Situation” – An appliance insurance policy won’t be worth it if it’s covering devices and systems you don’t have. So you need to ask yourself a few questions: What condition are your appliances in at the moment? What is the likelihood that wear and tear will create an undue burden on your finances? Are you going to be selling the home soon?

Many opt for home appliance insurance because they don’t think of themselves as particularly handy. But routine maintenance of appliances is a good idea regardless of what coverage you choose, or if you choose against insurance for your major appliances. 

Routine maintenance like cleaning refrigerator coils can help you avoid “we don’t cover that” scenarios when you call to make a claim.

Read Also: Do Home Warranties Cover Pre-Existing Conditions?

How Does Insurance For Appliances Work?

Ok, so when you get down to it, what happens when a covered appliance malfunctions? How does this kind of insurance work? Let’s take a close look at how these scenarios play out.

Step 1: A Problem Arises

Stuff happens. Your dishwasher starts spewing water everywhere, or your microwave stops working. Without appliance insurance, you may not be sure who to call. Or you know exactly who to call and what they will charge on the weekend to come check things out. Ouch! 

With an appliance insurance policy in place, you have a clear course of action to take right away, and no surprise costs for a service call.

Step 2: Understand Coverage

Not everything is covered by appliance warranty plans, and every plan is a little bit different. Whatever is on the fritz, consult the contract to see what is standard in the policy and any optional coverage you opted in for. Not sure what’s covered? See step 3.

Step 3: Request Service Visit/File Claim`

Contact the company to get a service provider out to take care of this asap. You are filing a claim at the same time. The rep will help you further understand your coverage and get help to you.

Step 4: Pay Service Fee and Uncovered Expenses

When establishing the policy, you agreed on a set service fee. When something goes wrong, you will be responsible for that cost, along with any other uncovered expenses. But compared to replacing appliances or other systems out of pocket, the service fees average far less of a cost to you.

Read Also: What Do You Need To Know About Deductibles When Shopping For A Home Warranty?

Home Warranties for Appliance Insurance – Coverage

Choice Home Warranty

Choice Home Warranty is a leading home warranty provider in the USA today and our top appliance insurance company. The provider is available in all states apart from California, Arkansas, and Oklahoma.
 
Generally, their coverage is limited to basic appliances and systems, but you get good service and high chances of claim approval in return. 
 
There are only two plans to choose from; the Basic Plan and the Total Plan. The Basic plan will get you coverage for garbage disposal, ceiling and exhaust fans, cooktop, built-in microwave, plumbing stoppage, garage door opener, whirlpool bathtub, plumbing system, electrical system, water heater, dishwasher, heating system, ductwork, and oven/range /stove. The Total plan will get you coverage for the listed items in the basic plan and add the refrigerator, air conditioning, dryer, and washer.
 
Missed an appliance or system? Not to worry. There’s an optional coverage covering a second refrigerator, central vacuum, sump pump, limited roof leak, well pump, septic tank pumping, pool/spa, stand-alone freezer, and septic system.

American Home Shield

American Home Shield is yet another top appliance insurance provider with a presence in 49 states, excluding Alaska. With the recent change of plans, we can only guess two things; quality service and comprehensive plans, which equals value for money. Don’t worry about claim denial, as customers have recommended the provider for their high rates in claim approvals, which keeps them coming. Unlike most providers, AHS won’t need to inspect your home for coverage or demand maintenance records to approve your claim. What a great convenience!
 
You have three plan options to choose from; ShieldSilver, ShieldGold, and ShieldPlatinum for homeowners, but there are also real estate plans for sellers and first-time buyers and an electronics plan. 
 
ShieldSilver covers up to 14 major home systems that include doorbell & chimes, plumbing lines (interior), heating units, garage door openers, ductwork, toilets, ceiling fans, whirlpool tub motor, built-in exhaust, attic fans & vent, air, conditioners, faucets & valves, water heaters, interior electrical lines fuse and main circuit breaker panel box.
 
The ShieldGold covers the systems in the ShieldSilver plan and appliances such as ranges/cooktops, dishwashers, water dispensers, refrigerators, built-in microwaves, dryers, ovens, washers, and garbage disposal.
 
The ShieldPlatinum plan is an upgrade from the previous plans with more perks and more items. So, basically, it covers all items in the ShieldGold plan and adds roof coverage which includes flashing, tiles, shingles, and shakes, flat roofing(non-metal), and underlayment. This plan gives you higher capping limits of which we’ll look at in the expense category.

Select Home Warranty

Probably the most generous with discounts and offers, Select Home Warranty is a top appliance insurer with over ten years in the industry. However, compared to Choice Home Warranty and AHS, Select Home Warranty does seem to receive a lot of complaints about claim denials. Still, the majority of the review paints a trustworthy and credible home warranty provider. 
 
Their coverage is limited to the most basic appliances and systems, and it would work best for you if you only want a few items covered or on a tight budget. Luckily, if you are only interested in appliance insurance, Select Home Warranty has a separate appliances-only plan, better known as Bronze Care Plan. 
 
This plan covers a clothes washer, dishwasher, clothes dryer, garbage disposal, refrigerator, built-in microwave oven, and cooktop/ stove/oven. If you have a stand-alone freezer that you perhaps want covered, you can add it to your plan from the list of optional add-ons.
 

Home Warranties for Appliance Insurance – Expense

Each of the appliance insurance companies listed provides comprehensive coverage for their customers; the question is at what price and to what extent. The cost of a home warranty usually varies from state to state, depending on the company.
 
Here is a table comparing the price of a plan in Florida, the service fees, and cancellation fees across various providers.
 
Best Appliance Insurance CompaniesAverage CostService FeesCancellation Fees
Choice Home Warranty
Basic plan: $46.83 per month
 
Total plan: $54.75 per month
$60- $85
Free within the first 30 days.
 
$50 after the first 30 days
American Home Shield
ShieldSilver: $45.82 per month
 
ShieldGold: $55.82 per month
 
ShieldPlatinum: $70.82 per month
$75- $125
Free 30 days cancellation period
 
After the free cancellation, the fee is up to one month’s payment
Select Home Warranty
Bronze Care: $41 per month
 
Gold Care: $41 per month
 
Platinum Care: $47 per month
$60- $75
Free 30 days cancellation period
 
$75 cancellation fee after 30 days.
Service Plus
Gold: $28.67 per month
 
Platinum: $35.33 per month
$75- $125
Free within the first 30 days.
 
$50 after the first 30 days
First American Home Warranty
Basic: $36 per month
 
Premier: $46.50 per month
$75
Free within the first 30 days.
 
$50 after the first 30 day
 
The average home warranty costs between $25- $50 per month, and as demonstrated above, at least the most basic coverage/ plan is within range, with only a few going overboard. We can therefore conclude the companies listed above have affordable plans for homeowners but is it worth it.
 
All insurers have limit caps that determine to what extent an item is covered. Here’s a table comparing the limit caps for the best appliance insurance companies to help you determine whether you are getting value for your money.
 
Best Appliance Insurance CompaniesCoverage Limits for Appliances
Choice Home Warranty
$3,000
American Home Shield
$3,000 for the ShieldGold policyholders
 
$6,000 for the ShieldPlatinum policyholders
Select Home Warranty
$500
Service Plus
$1,500
First American Home Warranty
$3,500

Home Warranties for Appliance Insurance – Reliability

Having looked at the top appliance insurance providers’ coverage, cost, and coverage limits, it’s obvious that you will be getting value for money as there are comprehensive plans and generous capping limits.
 
However, this is not enough consideration as the type of service offered is equally important. After all, no one wants to end up with a good deal, but at the end of it, having to pay for a repair or replacement out of pocket due to poor services.
 
Overall, Choice Home Warranty is ranked as the top provider with the best service. They have 24/7 customer support, a quick turnaround of 2 business days, and professional service contractors.
 
American Home Shield is also well rated in terms of service provision, with 24/7 customer support, an emergency service, and a quick turnaround of 2 business days. However, their workmanship is only 30 days, and this is considered a short period compared to the Choice Home Warranty workmanship guarantee of up to 90 days.
 
With Select Home Warranty, there are numerous complaints about delayed service and unprofessional service, but not to worry as you have a 90 days free reservice period. There’s also 24/7 customer support, an online portal to file claims, and emergency service available.
 
The quality of services offered by Service Plus is just superb, and having closed just 347 cases on BBB says it all. All their contractors are pre-screened to ensure quality services are offered, and you’ll still get a 90 days workmanship guarantee. It takes 2 business days to get a service visit and at least 4 days inclusive of holidays and weekends. According to reviews, this appliance insurer is highly rated for professional contractors, fast work, and excellent communication.
 
Like key industry players, First American Home Warranty has 24/7 customer support, emergency service available, and processes claims within 2 business days. However, there’s a 30-day workmanship guarantee period that is much shorter than the likes of Choice Home Warranty and Select Home Warranty. According to customer reviews, we found very few complaints about service delays, and the provider is praised for fast work and outstanding communication.

Top Home Appliance Insurance Companies Reviewed

Choice Home Warranty Review (Best Overall Home Warranty)

  • Service Fee: $85
  • Coverage: 9/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 10/10
  • Customer Service: 9.5/10
  • Rating: 97.50

Visit Website

(848) 237-1571
choice home warranty

Why Do We Like Choice?

Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.

Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have “Optional Coverage” for add on items most homeowners don’t usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items.

Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.

The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.

A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.

That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.

Policy On Pre-Existing Issues or Older Units?

Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life.

What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).

Pros

  • Good Limits (up to $1,500)
  • Minimal Exclusions
  • More Affordable

Cons

  • Only 15 Home Appliances & Systems Covered

 

American Home Shield Review (Editor’s Choice)

  • Service Fee: $75 – $125
  • Coverage: 10/10
  • Limits: 10/10
  • Exclusions: 9.5/10
  • Affordability: 7/10
  • Customer Service: 9/10
  • Rating: 97.00

Visit Website

(866) 464-7521

american home shield home warranty

Why Do We Like American Home Shield?

Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.

In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.

They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 – $3,000 per claim.

Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • Highest Payout Limits (up to $3,000)
  • Widest Coverage (21 systems and appliances)
  • Fewest Exclusions

Cons

  • Most Expensive

 

Select Home Warranty Review (Most Affordable)

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 8/10
  • Exclusions: 8/10
  • Affordability: 10/10
  • Customer Service: 8/10
  • Rating: 95.80

Visit Website

(888) 370-3954
select home warranty

Why Do We Like Select Home Warranty?

Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 – $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.

If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.

Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • Most Affordable Service Contracts
  • Roof leaks Are Covered In Their Platinum Plan

Cons

  • Ultra Pushy Sales
  • 3 Days To Submit Claim
  • Weaker Network Of Contractors

 

Liberty Home Guard Review

  • Service Fee: $75
  • Coverage: 10/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 8/10
  • Customer Service: 9/10
  • Rating: 95.10

Visit Website

(866) 472-3812

liberty home guard

Why Do We Like Liberty Home Guard?

Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice.

Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home.

Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month.

We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.

Policy On Pre-Existing Issues or Older Units?

If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.

Pros

  • State of the art customer portal system
  • Rigorous testing for contractors
  • Ability to use your own contractors
  • Fair pricing
  • Good customer service for a newer company

Cons

  • Must report your issues within one day of noticing a problem

 

Service Plus Review

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 7/10
  • Exclusions: 7.5/10
  • Affordability: 8/10
  • Customer Service: 8/10
  • Rating: 95.20

Visit Website

(267) 824-4010

Service Plus home warranty

Why Do We Like Service Plus?

Service Plus Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.

Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.

Most home warranties do not cover anything related to your roof but Service Plus does, which we found to be unique to their offering helping them crack our top list.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and AHS, Service Plus covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • You Can Choose Your Own Technicians
  • Roof Coverage

Cons

  • More Exclusions Than Most Competitors
  • The Worst BBB score
  • Low Payout Limits ($500)

Final Thoughts On Insurance For Home Appliances

Your own plan is a personal choice. Ultimately, given the varying coverage of these products, we recommend you shop around for a policy that best fits your situation; the appliances in your home along with your personal risk tolerance. The goal, of course, is peace of mind. So a plan that gives you that is what you are aiming for. We hope this review has been helpful in getting you clear information to make that choice.

Appliance Insurance is available in states like Hawaii, New Hampshire, Texas, Maine, Alaska and Iowa. Check out our state pages for more recommendations based on your location.

Our Top Picks Recapped

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.50
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 97.00
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 96.50
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Liberty Home Guard
Editorial Rating 96.10
  • $200 off + 2 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 ServicePlus Home Warranty
Editorial Rating 95.50
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)

Home Warranty for Appliances FAQs

Below are just some of the frequently asked questions we receive about home warranties for appliances.

Q.

How does home appliance insurance work?

A.
The purpose of home appliance insurance is to fill the gap between a homeowner’s insurance policy and appliance warranties. Once an appliance warranty runs out, a homeowner is stuck with the repair or replacement bill for appliances that break down due to normal wear and tear. 

How does appliance insurance fill that gap? For a monthly premium payment, you pay for a service agreement that covers specific appliances from breakdown and malfunction due to everyday wear and tear.

When a covered appliance malfunctions, a service request call is made. The appliance insurance-- also known as home warranty--company sends a licensed technician, you pay a service call fee as specified in the service agreement. 
Q.

What appliances are covered through insurance?

A.
Appliance insurance, also known as a home warranty, covers kitchen and other appliances in the home. The most common covered appliances include:
  • Washer
  • Dryer
  • Refrigerator
  • Dishwasher
  • Oven/Range/Stove
  • HVAC
  • Electrical systems
  • Plumbing systems
  • Microwave oven
  • Garage door opener
  • Garbage disposal 

You’ll want to look at plans carefully to see what is and is not covered, along with the dollar amount limits on coverage.
Q.

What company has the best home appliance insurance?

A.
In our research, Choice Home Warranty comes up again and again as the top choice for appliance and systems insurance. With their popular Total Plan, you get coverage on the big-ticket items like your cooktop/range/stove, refrigerator, and many more items.

Choice offers emergency service on covered appliances. They will do free reservice when a repair fails, not deny coverage for older appliances, and if you decide appliance insurance is not for you, there is free cancellation within the first 30 days. 
Q.

How much does home appliance insurance cost?

A.
Home appliance insurance has two cost components: the monthly premium, and the service call fee when a claim is made and a service professional comes to your home. 

In terms of premiums, you can choose a standalone appliance plan or the more popular combination plan that covers both appliances and systems for just a few dollars more a month. Monthly premiums can range from as low as $25 a month to $60 or more. You can also get add-on coverage for things like septic systems, pool and spa, well pumps, and sump pumps, which can add a few more dollars to the monthly premium. The yearly cost can be anywhere from the $300s to the $600s depending on the plan and provider.

Service call fees are what you pay each time a technician comes out to analyze a problem and fix or replace the appliance in question. These fees range from around $70 to $125. Sometimes providers offer a higher service call fee in exchange for lower monthly premiums. 
Q.

Is appliance insurance for homes worth it?

A.
Whether or not appliance insurance is worth it depends on your situation. If you are thinking of selling your home, appliance insurance can be a great incentive for buyers, knowing there is a policy in place to protect them from malfunctions as they take ownership of an existing home (as opposed to new construction).

For an older home with appliances that are well past their manufacturer’s warranty expiration, appliance insurance can be very good protection.

And for newer appliances that are expensive to repair or replace, appliance insurance can help you from having to pay a huge bill to get those machines you can’t live without back in working order again.