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Top 5 Best Home Warranties For High-End Appliances (2021 Review)

Home Warranty Coverage For High-End Appliances Review

Looking for the best home warranty for high-end appliances?

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

  • Will a home warranty plan cover high-end appliance replacement?
  • Is a home warranty protection plan worth it for high-end appliances?
  • What should you look for when picking the best high-end home appliance warranty coverage?
  • What are the best home warranty providers for high-end appliances?
  • And more!

If you own high-end appliances, you’ve made a sizable investment in your home. However, frequent and costly repairs can quickly rack up major bills, especially with premium appliances.

We know how important it is to have peace of mind when it comes to your home’s major appliances. That’s why getting home warranty coverage for your dishwasher, refrigerator, and other home essentials is critical.

To help you find the perfect high-end appliance home warranty plan, we’ve reviewed 68 of the top home warranty companies on the market today. 

We’ve also created this guide to helping you find the best home warranty companies for protecting your high-end appliances. That way, you can spend more time enjoying your home and less time worrying about unexpected repair bills.

Editor's Choice
97.0

Limited Time: New Customers Get $100 Off
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Best Overall
97.5

Limited Offer: $50 Off + 1 month free
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Most Affordable
95.8

Limited Time: $150 Off + 2 Free Months + roof coverage
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Our Top Picks Overview

  # 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 $100 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 95.80
  • $175 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Amazon Home Warranty
Editorial Rating 95.60
  • $100 Off + 1 Month Free
  • Good BBB rating B
  • 24/7 service calls
  • Smaller company
  • Online chat not supported
  # 5 Liberty Home Guard
Editorial Rating 95.10
  • $200 off + 2 month free + Free Roof Coverage
  • Newly designed customer claim portal
  • The BBB's #1 Home Warranty Company
  • Smaller company
  • Newer on the market

Do Home Warranties Cover High-End Appliance Replacement?

For the most part, yes home warranty plans will usually cover high-end appliance replacement – to a point.

Every home warranty provider has a maximum coverage limit for their contracts. In general, the coverage limit for appliances is usually between $500 to $3,500. Depending on your particular appliance, this may or may not be enough for a replacement.

It’s also worth noting that many home warranty companies will not provide coverage (or they’ll offer limited coverage) for “professional grade” appliances. This is particularly true for kitchen appliances, like refrigerators, cooktops, stoves, and ice makers. 

Most warranty companies will list their excluded items in their sample contracts, but you can generally expect appliances from companies like Sub Zero, Bosch, Wolf, Viking, and Thermador to be on the exclusions list. Other companies will simply limit the total coverage on these items to a certain dollar amount, say $1,000.

When in doubt, don’t be afraid to discuss the specifics of your high-end appliances with home warranty companies before you purchase a policy. That way, you can be sure that their coverage options will work for your home appliances.

Is A Home Warranty Worth It For High-End Appliances?

home warranty is worth it for high-end appliances. Here’s why:

Protects Your Investment

Your high-end appliances are an investment. It’s important that you protect your investment by ensuring that you’re able to stay on top of maintenance and repairs.

A home warranty plan can help you pay for the cost of maintaining your high-end appliances and can defray the cost of replacing them should things malfunction.

Covers What Homeowners Insurance Won’t

You almost certainly have home insurance. But, your insurance policy won’t cover the cost of repairing or replacing a high-end appliance due to normal wear and tear.

While homeowners insurance is certainly important, it’s just not designed to give you financial assistance for regular maintenance on your home. A home warranty, however, will help you do just that.

Therefore, having home insurance and a warranty plan can give you all the peace of mind you need to enjoy your home instead of worrying about your next major repair bill.

Provides Coverage After Manufacturer’s Warranties End

The majority of high-end appliances come with manufacturer’s warranties, but what happens after these end? Sure, that 3-year limited warranty on your fancy new fridge sounds awesome, but when those 3 years are up, you’re on your own when things don’t quite work as they should.

That’s where a home warranty steps into the picture. Long after your manufacturer has decided they don’t want to be responsible for your appliance malfunctions anymore, your home warranty company is there to pick up the slack.

As a result, you can get the confidence you need to know that you’ll have financial assistance when you need a home repair.

Easier Re-Sale On The Housing Market

Real estate is a tough world. Most prospective homebuyers don’t want to invest their hard-earned money in a house if they think it’s going to be a major money pit.

Thankfully, having a home warranty plan can help you maintain your home, thereby increasing its value. It can also make it easier for your real estate agent to attract prospective buyers who might be interested in the peace of mind that comes with having a warranty protection plan in place on their new high-end home appliances.

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

Most home warranty service providers do not cover pre-existing conditions on high-end appliances, or any other home system or appliance for that matter.

But, this doesn’t mean that you can’t get coverage just because you have older high-end appliances. In fact, so long as the pre-existing condition wasn’t obvious during a visual inspection, it’s usually covered under a warranty service contract.

This is why it’s often best to get a home inspection done before you start your warranty contract, even if you’re not buying a new home. That way, you can be confident that there are no underlying issues or pre-existing conditions that you might have to pay for out of pocket down the line.

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

The vast majority of home warranty companies have a grace period of about 30 days. Grace periods determine how long you’ll have to wait to submit your first claim after you sign up for your warranty plan.

This might seem a bit unfair (you paid your policy, so shouldn’t the warranty kick in right away?), but the point of the grace period is to keep fraud at a minimum. 

By having a grace period, home warranty companies can ensure that people don’t purchase a protection plan just because they know that they immediately need a home repair on a major system or appliance.

The good news?

Most top companies will waive this waiting period if you’re just switching from one plan to another. So long as you can show that you’ve been continuously covered under a warranty in the preceding months, you can usually submit your first claim right away.

What To Look For When Picking The Best Home Warranty For High-End Appliances?

With so many great home warranty plans out there, you must know what to look for as you shop. Here are some of the most important things to keep in mind when deciding on your high-end appliance home protection plan.

Check out this quick video below on what to keep in mind when purchasing an appliances warranty: 

Covered Items & Exclusions

Home warranty companies are in the business of making money, so it’s understandable that they have limitations on their coverage. When it comes to high-end home appliance coverage, it’s critical that you figure out whether your specific appliances are covered under a given plan.

As we’ve mentioned, some companies will exclude or place coverage limits on professional-grade appliances. If you own one of these items in your home, you’ll want to be sure that it will be covered under any potential plan.

Coverage Limits vs. Actual Replacement Costs

High-end appliances are expensive, so you’ll want to be sure that your home warranty plan will offer you a reasonable amount of coverage if an issue arises. You can generally expect a maximum coverage limit of about $500-$3,500 per item with a warranty plan.

Of course, higher limits are great, but if this comes at the cost of an exceptionally high premium, you may pay more out of pocket than you need to. The trick is finding a reasonable premium and just enough coverage for your unique needs.

Woman Looking At Repairman Repairing Dishwasher

Home Warranty Cost

There are two main costs that you should be aware of when choosing a home warranty plan:

  • Annual Premium. The average home warranty costs between $300 to $600 a year. This number depends on the size of your home, where you live, and what you want coverage for.
  • Service Call Fee. You’ll pay a service fee every time you submit a repair request for a broken appliance. This is normally between $60 and $125 and is designed to cover the cost of sending someone to your home.

In an ideal world, you’d be able to get a low premium and service call fee in exchange for a high coverage limit. Of course, this isn’t typically what happens. So, it’s important to realize that there’s often a trade-off between upfront costs and total coverage with home warranty plans.

Top Home Warranties For High-End 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
 

Total Home Protect Review (Best For Larger Systems)

  • 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)
 

First American Home Warranty Review (Best Customer Service)

  • Service Fee: $75 – $100
  • Coverage: 8/10
  • Limits: 7/10
  • Exclusions: 7.5/10
  • Affordability: 8/10
  • Customer Service: 9.5/10
  • Rating: 94.90

Visit Website

(888) 445-5837

first american home warranty

Why Do We Like First American Home Warranty?

First American Home Warranty made our list as a home warranty with above average customer service mixed with in with a decent price point.

The only drawback was that they aren’t nationwide lacking coverage in the following states: ND, MN, WI, IL, NY, VT, NH, ME, MA, CT , RI , DE, AL, HI, LA.

Their plan options include a “Basic“ plan, which only covers appliances and will run you about $28 per month. Their combo plan, which covers major systems and appliances branded the “Premier” plan costs around to ~$43 per month.

Overall a good home warranty provider, but just lacking the coverage, which would have helped make a better case for “best overall home warranty company”.

Policy On Pre-Existing Issues or Older Units?

Again, all of the home warranty providers seem to have adopted a similar policy in that they cover “old” appliances and systems 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

  • Great Customer Service (B+ BBB Score)
  • Online Chat Support

Cons

  • Not Available In 15 States
  • Can’t Choose Your Own Contractor

Our Top Pick For A Home Warranty On High-End Appliances

There are plenty of great home warranty companies out there. But, if we had to choose just one to cover our high-end appliances, we’d likely go with Choice Home Warranty.

We particularly like how Choice Home Warranty provides comprehensive coverage at a reasonable rate for all our appliances. 

Plus, they offer generous maximum coverage limits on the majority of appliances without a huge upfront annual premium. This means more money in your pocket and greater peace of mind in your home.