Аdvertiser Disclosure
Choice Home Warranty is our #1 ranked home warranty.

Top 5 Best Home Warranties For Appliances (2021 Review)

Top 5 Home Warranties For Appliances Review

Looking for the best home warranty for appliances?

Perfect you’re in the right spot. In this guide you’ll learn:

  • Can I replace an appliance through a home warranty?
  • Will a home warranty be worth it for appliances?
  • How soon will I be able to use my home warranty for appliances?
  • …and answers to all your FAQs about home warranties for appliances

If an appliance like your clothes washer or refrigerator stops working, the entire household is thrown off rhythm. It’s a real hassle! A home warranty that protects your appliances from sudden breakdowns due to wear and tear can keep you from staying out of sync with the regular patterns of life you are used to in your home.

So finding the right home warranty for appliances is important. What should you look for? Which is the best fit for you? Let’s find out.

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


Our Top Home Warranty for Appliances Picks

  # 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)

Top 3 Home Warranty Companies For Appliances (2021)

Company NameChoice Home WarrantyAmerican Home ShieldSelect Home Warranty
Number of Plan Options2 Plans3 Plans2 Plans
Monthly Plan Cost$45 – $55$35 – $65$36 – $45
BBB RatingBBB
ReviewsRead Choice Home Warranty ReviewsRead American Home Shield Reviews

 

Choice Home Warranty (Best Home Warranty for Appliances) 

Choice Home Warranty is the best home warranty for appliances. There are several key factors to look for in a home warranty for appliances, and Choice will check all the boxes. The first is the coverage that is offered. With the affordable Choice Basic plan, the dishwasher, microwave, oven, and even the garbage disposal will be covered. When you move to the Total Plan, the refrigerator and dryer are added in. However, besides covering these essential appliances, the Choice Home Warranty plans also take care of things like your HVAC, water heater, and even plumbing stoppages. Getting a combination plan at a lower price level is hard to find in the world of home warranties. 

With appliances, there are typically more breakages and stops during the course of a year than there are with systems. Appliances tend to have shorter lifespans and also get more frequent use. The Choice Home Warranty service fee is $85 for appliance repair or replacement. American Home Shield has service fees that will go up to $150 for a single repair; indeed, this is an essential factor to keep in mind. 

The Choice Home Warranty has very fair policy limits. For instance, if your dishwasher were to break down, the policy limit is $3000 that you would have towards repairs. Select Home Warranty has a policy limit of $500 on a dishwasher. If your home has higher-end appliances and you want to ensure you have some savings and protection against replacement, Choice will be the way to go. With impressive customer service, reservice for free, and free cancellation for the first 30 days, Choice Home Warranty makes the home warranty decision an easy one. 

A company like Choice Home Warranty has a nationwide customer base and an extremely strong presence in the industry. They really don’t need to offer any incentives to get people to sign up, yet right now, there is a sign-on bonus of $50 off and the first month free. Taking advantage of this while it is still available only makes your decision to protect your appliances a much easier one.

Pros
  • Simple and straightforward plans
  • Only a few exclusions in the Total Plan
  • Choice does not discriminate against older appliances
Cons
  • There is no option for a custom plan where you choose the appliances covered
  • You cannot choose your own technician to do the work

American Home Shield (Most Customizable)

American Home Shield is the editor’s choice for the best home warranty plan for appliances. One thing that makes the American Home Shield warranty stand out is the specific plan that it has just for appliances. The appliance-only plan from American Home Shield features a wide range of coverage from dishwashers to clothes dryers to garbage disposals. Homeowners that choose American Home Shield over Choice Home Warranty will notice that the depth of coverage is greater. Therefore the number of appliances covered under the plan will be a bit more comprehensive. 

The American Home Shield plan is very customizable. You can start with the appliance-only plan, and if you enjoy the features and benefits, you can always add in a system or two or your swimming pool or hot tub. The plan is very easy to work with and change coverages, unlike a set in place plan like Select Home Warranty. In addition, AHS has more than 50 years in the industry, making them one of the oldest providers with the strongest reputation. You won’t have to worry about the legitimacy of this plan; it is known for being one of the premium choices on the market. 

Pricing can get a bit high if you want all of the appliances in your home covered under your home warranty plan. Luckily you can take advantage of the sign-up incentive to save you $50 off your AHS policy.

 
Pros
  • Known for quality workmanship and impressive customer service
  • AHS gives customers the ability to customize both plan and payment options
  • Pays out a large number of claims each year, more than most companies
Cons
  • The pricing is high for the more customized plan 
  • BBB rating is only a B, some issues in the past 
  • Some optional coverages for appliances will significantly increase the price of the plan

Select Home Warranty (Most Affordable)

Select Home Warranty is the best value for a home warranty for appliances. Select Home Warranty offers a specific appliance-only package that comes at a very low price. If you are worried about the appliances in your home and ensuring they are covered, the Choice Home Warranty combo plan is likely not the best option for you. However, the fact that the Select Home Warranty plan will focus specifically on appliances can help you feel as though you are saving quite a bit of money. In addition, the SHW plan has the lowest deductible cost on the market, coming in at $65. Going with the Select Home Warranty plan can offer some significant cost savings between the monthly premiums and the lower deductible. 

One of the ways that the Select Home Warranty can offer lower costs is by lowering its policy limits. Although this may seem like a negative, for those that don’t have brand new appliances, this can be a positive. You won’t be paying a higher monthly fee to protect appliances and systems that aren’t worth all that much. Select Home Warranty becomes an excellent choice for older homes with older fixtures. With the addition of free roof leak coverage on any plan, the Select Home Warranty option is among the best on the market. Even though your appliances are what you are concerned with covering, it’s hard to turn down free roof leak coverage. 

Select Home Warranty also offers homeowners the best incentive to sign up. Currently, you can get $150 off, two months free, and a free 30 days to cancel your policy. There is certainly no questioning that this is an excellent time to get started with the Select Home Warranty plan.

 
Pros
  • Of of the most affordable plans for appliances
  • Plan choices are simple and straightforward
  • Free roof coverage with the Total plan 
Cons
  • $75 Cancellation Fee
  • Must file a claim quickly, or it could be denied
  • Lower policy limits, not the best choice for high-end appliances

Do Home Warranties Cover Appliance Replacement?

A home warranty is a service agreement in which the home warranty company agrees to repair or, yes, replace an appliance under the stipulations of the agreement. Of course, home warranty companies would be happy to repair instead of replacing when possible. And some are more apt to accept claims than others.

Be aware of the dollar amount limits on individual claims as well. If a higher-end stove needs to be replaced, it might only get replaced up to a certain dollar amount. Most appliance limits are somewhere between $1,000 and $2,000 giving most homeowners room to replace an appliance with a comparable item. 

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.

Is A Home Warranty Worth It For Appliances?

In a word, yes. Consider that replacing a refrigerator alone can cost at least $400 and well over $1,000. With a home warranty, for instance from Choice, you will get repair or replacement of appliances up to $1,500 per incident.

Homeowner’s insurance doesn’t cover normal wear and tear. That’s where a home warranty comes into play. And a manufacturer’s warranty or even an appliance extended warranty doesn’t last long, and often they only cover parts and not labor.

With good home warranty coverage, you can get repairs on major appliances like cooktops, refrigerators from manufacturers like Bosch, Whirlpool, Samsung, Kitchenaid, or Frigidaire. You can even get coverage on items like range hoods and your ice maker. 

Check out this video below for tips on fixing a dishwasher:

Would A Home Warranty For Appliances Cover Pre-Existing Conditions?

Generally, home warranties do not cover pre-existing conditions. Yet, among our top 5, there are two that do cover pre-existing conditions in some form: 

American Home Shield will cover them under the following conditions: “Our home warranties cover undetectable, pre-existing conditions — those that could not have been identified by either a mechanical test, like turning the appliance on and off to see if it works, or a visual inspection for missing or damaged parts. We will repair or replace your covered appliances and home systems no matter how old they are, even if you don’t have service records.” 

Also, Cinch has what they call a “no gotchas” pledge, with coverage of some pre-existing conditions as part of that pledge.

Read Also: Top 5 Best Home Warranties For Home Buyers

How Much Will a Home Warranty for Appliances Cost?

For a one year plan, premiums will be around $40 a month for a basic appliance plan or $50 a month for a combo plan which would include appliances and home systems. You’ll want to get a free quote for your specific location and needs. Take a close look at coverage limits so you know your covered appliances can be repaired or replaced with a new appliance within the coverage limits spelled out in the protection plan.

Top Home Warranty for Appliances

If a service call is made, there will be a charge–also called a deductible–for this as well. The cost of a service call can range anywhere from around $70 to $125 or even $150 in some cases. Often, like with American Home Shield, if you choose a higher service call fee, you get a lower premium.

This will provide you with peace of mind when it comes to repairing or replacement costs due to mechanical failure or other wear-and-tear related issues on your most-used appliances. A home warranty plan can save money when the worst happens in these situations. 

How Soon Can You Use A Home Warranty For Appliances After Purchase?

A home appliance warranty can generally be used 30 days after purchase. You’ll want to read the fine print on your home warranty service agreement for the exact terms and conditions, but 30 days is the industry standard.

Top Home Warranties For Appliances 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
 

Total Home Protect 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

total home protection home warranty

Why Do We Like Total Home Protect?

Total 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 Total Home Protect 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, Total Home Protect 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)

Our Top Pick For a Home Warranty For Kitchen Appliances

In this category and so many others, Choice gets it right when it comes to finding the right contractors to work with. With over 25,000 on the rosters, you are not likely to wait for a repair. This combined with their overall reputation makes them our top pick.


Our Top Picks Recap

  # 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)

Frequently Asked Questions For Appliances

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

Q.

Do Home Warranties Cover Appliances?

A.
One of the primary reasons that people get a home warranty is that they are looking to cover the cost of their appliances breaking down or needing replacement. Appliances are not cheap to replace, and the normal wear and tear will most definitely not be covered by the homeowner’s insurance policy you have on your home. 

The idea of replacing one appliance may not seem all that bad. However, the problem is that when one appliance goes, many of the others start to go as well. Saving yourself the panic and frustration of having to come up with the money to replace and repair appliances is the main benefit of a home warranty. 
Q.

Will Choice Home Warranty Replace My Appliance? 

A.
Choice Home Warranty is one of the most well-known home insurance policies on the market. If your refrigerator, stove, or oven is beyond repair, then your policy will recover a replacement. The replacement that you choose will have to fit inside the policy maximums. Most of the time, the maximums will range from around $500 to $2000 per appliance. The more expensive plans have the higher limits. 

If you are worried about replacement costs on appliances, check the fine print details of the plan you choose and make sure this is something that they offer. With our top five choices for home warranty companies, you should have no issues. 
Q.

Who Has The Best Home Warranty Insurance? 

A.
The best home warranty for appliances is Choice Home Warranty. One of the things that makes the Choice stand out is that it gives you an excellent range of coverage on your appliances, even with their basic package. The basic package allows up to 15 appliances, and the monthly price is quite fair.

All of the major appliances that you use on a daily basis are covered by the basic plan, and the service fee offerings from Choice are very fair. 
Q.

What Does A Home Warranty Cover?

A.
A home warranty will cover the repair or replacement of your appliances as they age from normal wear and tear or manufacturer issues. The home warranty tends to be a better option than homeowners insurance and a specific product warranty. Eventually, the individual product warranties will expire, and homeowners insurance will only help if you have a fire, flood, leak, or some catastrophic event. 

For a home warranty to cover your appliances, you will need to choose either an appliances plan or a comprehensive plan. Some companies only offer coverage of home systems; however, most will allow coverage for both systems and appliances. 
Q.

Is A Home Warranty for Appliances Worth It?

A.
A home warranty for appliances is absolutely worth the price that you pay. The reason behind this is that these plans were built to help people maintain and replace appliances when needed. The plan is structured at an affordable cost to be able to cover many warranties under one specific plan. 

It’s nearly impossible to keep track of ten different individual warranties on each of your appliances. Instead, choose a home warranty company that will hold everything under one comprehensive policy.