Home warranties are an excellent way to protect yourself from unexpected repairs or replacements of your appliances or systems. You can find home warranty packages for plumbing services, HVAC systems, or other high-end appliances.

This article will center on the best home warranty companies catering to high-end appliances. You can get a home warranty policy that covers your high-end appliances by choosing one with high limits and coverage caps. All major home warranty companies offer plans that cover high-end appliances.

Best Coverage Limits
American Home Shield Logo
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Limited Time:
40% Off Our Most Popular Plan
Our Top Pick
Best for Customization
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Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Customer Ratings
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Limited Time:
$150 Off + 1 Month Free
Best Claims Acceptance
choice home warranty logo
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Limited Time:
$50 Off + 1 month free!

You might falsely think your homeowner’s insurance could cover some damages. But that is almost always incorrect. So, even with the best home insurance policy, you’ll still be stuck paying hundreds to thousands of dollars in repair or replacement costs for your appliances out of your savings. That’s why home warranty plans are essential – they can save you lots of money and stress.

However, finding the best home warranty provider for you and your home can be a challenge. So, we researched the best brands around and made a top four list. We review and vet each home warranty company with a fine-tooth comb to ensure they have the best coverage and service for high-end appliances.


The Best Home Warranty Companies for High-End Appliances in 2024

High-end appliances are becoming a staple in many homes. As such, home warranty policies that have enough coverage and a network of experienced service techs are essential.

Not all home warranty companies and individual plans cover the same items nor have the same coverage caps and limits. So, getting the best one for your home is crucial. The top-performing providers have fair monthly fees, high coverage caps, low service call fees, several optional add-ons, and good customer support.

To help you find the best home warranty for your home with high-end appliances, we did the research and made this top four list based on the factors above.

Liberty Home Guard: Best For Customization

Compare the Best Home Warranties for High-End Appliances

The table below outlines data for the best home warranty companies for high-end appliances and other household items. We constantly update these ratings as companies change their policies and prices to give you the most accurate information possible. Continue reading for in-depth reviews of several top providers.

CompanyRatingMonthly CostService FeeResponse TimeBBB RatingLink

$50-$60

$75

12-48 hrs.

NR

VISIT SITE
American Home Shield Logo

$35–$75

$100–$125

24-72 hrs

B

VISIT SITE

$44.99-$58.99

$70

48 hours

A+

VISIT SITE
choice home warranty logo

$46–$55

$85

24-48 hrs.

B

VISIT SITE
select home warranty logo

$52–$58

$60

24-48 hrs.

B

VISIT SITE
AFC Home Warranty logo

$38–$62

$75–$125

48 hours

B

VISIT SITE
first american logo

$38–$48

$75–$125

48 hours

B

VISIT SITE

$17–$60+

$65–$100

2–24 hrs

A-

VISIT SITE

$28–$68

$100–$150

2–24 hrs

B

VISIT SITE

Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.


Best for Customization

Liberty Home Guard

4.6

Our Rating

Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage

Liberty Home Guard (LHG) is a fantastic home warranty company for homes with high-end appliances because of its three plans with wide coverage, large coverage caps, and excellent customer support. The company makes it simple to cover every appliance and home system that you need.

Homeowners can select the Total Home Guard Plan, which combines its home system plan with its home appliances plan for the widest coverage. With every plan, the service call fee is $75, much lower than the market average. LHG ranks well with consumers. It has a near-perfect A rating with the Better Business Bureau and a good 3.9/5 star rating with Trustpilot. Liberty Home Guard is available in 46 U.S. states; residents of Washington D.C., IL, WI, WA, and WY will have to get a plan with another home warranty company.

  • Customer service is available every hour and every day of the year
  • Several a la carte optional add-ons
  • Lower than average $75 service call fee

Liberty Home Guard has three home warranty plans and optional coverage:

  • Appliance Guard ($64.99 per month / $649.99 per year): Covers 11 basic home appliances, including built-in microwaves, dishwashers, garbage disposals, clothes washers, clothes dryers, ranges/ovens/cooktops, ceiling fans, refrigerators, cooktop exhaust fans, and more.
  • System Guard ($69.99 per month / $699.99 per year): protects major systems like water heaters, electrical, toilets, plumbing, plumbing stoppages, ductwork, heating, and air conditioning systems.
  • Total Home Guard ($74.99 per month / $749.99 per year): Combines the two other plans (Appliance Guard and System Guard plans) into a single, cost-effective plan.
  • Optional Add-On Coverage: Extras for pools, spas, light fixtures, locksmith, trash compactor, extra refrigerators, ejector pumps, lawn sprinkler systems, pest control, water softeners, and many more.
  • Service Fee: $75
Best Coverage Limits

American Home Shield

4.3

Our Rating

Limited Time:
40% Off Our Most Popular Plan

American Home Shield (AHS) is another top home warranty option for homes with high-end appliances. Plus, it has the most experience in the industry with more than 45 years in business and 1.3 million+ customers.

Each of AHS’s three plans has high coverage caps. Coupled with its optional add-on, homeowners with high-end appliances can ensure they get all the coverage they need. American Home Shield has a perfect A+ rating on the Better Business Bureau and many positive reviews online. It provides home warranty policies in every U.S. state except AK.

  • Large coverage caps of $3,000 or $6,000 (depending on the plan)
  • Several optional add-ons for more items
  • Single plan with coverage of 33 home systems and appliances

American Home Shield has three plans with varying amounts of coverage as well:

  • SheildSilver ($29.27- $44.27 per month / $347.88 – $527.88 per year): Covers 19 critical home appliances and systems, electrical systems, AC units, heating systems, HVAC systems, smoke alarms, attic fans, garbage disposals, plumbing system, water heater, and more.
  • ShieldGold ($39.27 – $54.27 per month / $467.88 – $647.88 per year): Covers a total of 21 home appliances and systems, including dishwasher, refrigerator, microwave, oven, clothes washer, clothes dryer, and almost all the items the SheildSilver plan covers.
  • ShieldPlatinum ($59.27 – $74.27 per month / $711.88 – $891.88 per year): Provides coverage for 27 home items – includes all items in ShieldSilver and ShieldGold plans plus automatic roof leak coverage.
  • Optional add-ons: A la carte optional coverage for septic systems, sump pumps, water backup overflow, spas, pools, guest houses (<750 square feet), and more.
  • Service Fee: $75, $100, or $125
Best Claims Acceptance

Choice Home Warranty

4.3

Our Rating

Limited Time:
$50 Off + 1 month free!
Overview

Choice Home Warranty (CHW) is our top pick of home warranty companies for high-end appliances. It is well-rounded for homes with high-end appliances with its large coverage caps, affordable pricing and service call fees, and several plan options for add-ons. Plus, it offers three plan levels that homeowners can select to get the coverage they need.

Key Facts & Highlights

CHW has over 15 years of industry experience and plenty of knowledge with all sorts of appliances. It is a favorite choice among homeowners, landlords, real estate agents, and home buyers because of its great appliance coverage and easiness to work with. Low service call fees, no required inspections, and plenty of extra add-ons are some key advantages of Choice Home Warranty.

Choice Home Warranty offers its plans in all U.S. states besides WA.

  • Large coverage caps for high-end appliances
  • No inspection is required before the plan starts
  • Optional add-ons for additional appliances

Choice Home Warranty has two home warranty policies along with many optional add-ons that provide coverage for all the home systems and appliances in your home.

  • The Basic Plan ($45 per month / $560 per year): Entry-level plan for a lower cost; covers and protects 14 home appliances and systems like refrigerators, ovens, toilets, kitchen appliances, ductwork, plumbing systems, and more.
  • The Total Plan ($53.33 per month / $660 per year): CHW’s comprehensive plan with the most covered appliances and systems – protecting 18 items in total, which include clothes washer, clothes dryer, air conditioning systems, plumbing systems, hot water heaters, stove tops, dishwashers, along with everything from the Basic Plan.
  • Optional Add-Ons ($40-$180 per year): Nine add-on options for septic systems, sump pumps, standalone freezers, wells, spas, septic tank pumping, pools, and limited roof leaks.
  • Services Fees: $85
Best Value

Select Home Warranty

4.2

Our Rating

Limited Time:
$150 Off (Code HOUSE25)

Select Home Warranty (SHW) is one of the best home warranty companies for homes with high-end appliances. It has three home warranty policies and a handful of optional add-ons for homes of all shapes and sizes. On average, you will pay less for service call fees than other providers when you have a home warranty repair or replacement.

Select Home Warranty is in great standing with its customer base. It has a good 3.8/5 star rating with Trustpilot and a solid B rating with the Better Business Bureau (BBB). Plus, several positive ratings elsewhere. Customer reviews note the company has affordable pricing, stellar customer service, great coverage, and fast service for repairs and replacements.

Select Home Warranty has over 10+ years in business and provides its home warranty plans to 46 U.S. states. It is currently unavailable in NM, NV, WA, and WY.

  • Lower-than-average service call fees
  • 90-day workmanship guarantee
  • Add-on extras for more appliances

SHW has three home warranty plans – a good, better, and best option. The best option has the most covered items and highest coverage caps.

  • The Bronze Care Plan ($58 per month / $630 per year): Covers eight of the most essential home appliances and systems, including your dishwasher, clothes washer, clothes dryer, stove, cooktop, oven, built-in microwave, refrigerator, and garbage disposals.
  • The Silver Care Plan ($57.67 per month / $630 per year): Provides coverage for 16 home systems and appliances, including your air conditioning unit, electrical, plumbing, heating system, water heaters, ductwork, and all eight items from the Bronze plan.
  • The Gold Care Plan ($62.08 per month / $699.99 per year): Covers your garage door openers, plumbing stoppages, ceiling fans, and all other items the Bronze Care and Silver Care Plans cover.
  • Optional Add-Ons ($39.99-$99.95 per year): Optional coverage homeowners can add for ice makers, central vacuum systems, stand-alone freezers, light fixtures, wells, electrical outlets, electrical switches, septic systems, sump systems, sprinkler systems, second refrigerators, spas, pools, and roof leak repair.
  • Service Fee: $75 to $125, location dependent

What is a Home Warranty for High-End Appliances

A home warranty for high-end appliances is a service contract that helps protect you from the costs of repairing or replacing your covered appliances.

Most home warranties cover major appliances like refrigerators, dishwashers, and ovens, as well as systems like plumbing and electrical. Some home warranties also cover garage door openers, pools, spas, and other home features.

If one of your covered high-end appliances breaks down, you can call your home warranty company to schedule a repair or replacement. The home warranty company will send a licensed technician to your home to fix or replace the appliance.

While home warranties can be a great way to protect yourself from the high costs of repairing or replacing your appliances, it’s crucial to understand how your home warranty works.

For example, home warranties all have different coverage caps. If the coverage cap is $2,000 and your refrigerator needs a $3,000 repair or replacement, you will be responsible for paying the difference ($1,000). Since high-end appliances are generally more expensive to repair and replace, getting a home warranty with high coverage caps is essential.


Who Needs a Home Warranty for High-End Appliances

If you have high-end appliances in your home, getting a home warranty is a wise idea. Not only will a home warranty helps protect your finances if something goes wrong with your appliances, but it can also give you peace of mind knowing that you’re covered.

While home warranties are not required, we highly recommend one for homeowners with high-end appliances. Your high-end appliances carry a high price tag, too. So you’ll want to make sure they’re covered in case one breaks down to avoid high out-of-pocket expenses.

What Does a Home Warranty for High-End Appliances Cover?

Home warranties for high-end appliances generally cover major appliances like refrigerators, dishwashers, and ovens. Some home warranties also cover systems like plumbing and electrical. Here is a more comprehensive list of what’s typically covered by home warranties:

  • Refrigerator
  • Dishwasher
  • Oven
  • Stove
  • Cooktop
  • Range
  • Microwave
  • Garbage disposal
  • Washer and dryer
  • Electrical system
  • Plumbing system
  • Water heater
  • Furnace
  • Air conditioner
  • Pool and spa

Some home warranty companies offer additional coverage for items like garage door openers, home theaters, and wine refrigerators. Call your provider if you have questions about what’s covered by your home warranty.

How Much Does a Home Warranty for High-End Appliances Cost?

Home warranties for high-end appliances typically cost between $300 and $600 per year. The exact price will depend on the home warranty company you choose, the coverage you need, and the appliances you want to cover.

Some home warranty companies offer monthly payment plans, giving you more affordable home warranty options. Be sure to compare pricing, service fees, coverage caps, and covered items when choosing a home warranty company to get the best value for your money.

How Does a Home Warranty for High-End Appliances Work?

When you have a home warranty policy for high-end appliances, using your policy when something breaks down is easy. If one of your covered appliances fails, simply call your home warranty company to schedule a repair or replacement.

The home warranty company will send a licensed technician to your home to troubleshoot the high-end appliance. If they determine it is covered under your home warranty policy, they will repair or replace the appliance.

Here is how the process works step-by-step.

Get a Home Warranty that Covers High-End Appliances

Of course, before you make a claim to your home warranty provider, you need to have a home warranty policy that covers high-end appliances in the first place. But remember, protection plans never cover pre-existing conditions or normal wear and tear.

You can choose from the four companies we recommend above; each has high coverage limits for expensive repairs and replacements. You’ll also want to make sure the home warranty company has good customer reviews and offers robust coverage options.

A High-End Appliance Breaks Down

Once you have a home warranty policy in place, the next step is to wait for one of your appliances to break down (while hoping they never do). Once you have a problem with your refrigerator, oven, or any other covered appliance/system, call your home warranty company.

You Contact the Warranty Provider & File a Claim

After contacting the home warranty company, they will assign a case number to your claim and send a technician.

They Fix It, and You Pay a Service Fee

The technician will then visit your home and assess the failed appliance. If they determine that your home warranty policy covers it, they will fix it. If they can’t repair it, they will replace it with a similar model.

You’re Covered for Future Breakdowns

As long as your home warranty policy is active, you’re covered for future appliance failures. So if your fridge breaks down again or your oven starts acting up, you can simply call your home warranty company, and they will send out a technician to take care of the problem.

Be Aware of Your Policy Limits and Coverage Caps

Home warranties for high-end appliances typically have coverage limits and coverage caps. Coverage limits are the maximum amount your home warranty company will pay to repair or replace an individual appliance or home system.

For example, if your home warranty policy has a $5,000 limit and your refrigerator, oven, and dishwasher all fail the same year and need, for a total cost of $6,300. In that case, your home warranty company will only pay $5,000 total for the year, and you would pay the remaining $1,300.

FAQs About Home Warranties for High-End Appliances

Should I Get a Home Warranty for my High-End Appliances?

Home warranty coverage for high-end appliances is always a good idea. It protects you from expensive repairs or replacements, provides quick service from pre-vetted contractors, and reduces stress knowing your appliances are covered.


Does a Home Warranty Cover All High-End Appliances?

Yes, home warranties for high-end appliances typically cover all major appliances like refrigerators, dishwashers, ovens, ranges, microwaves, garbage disposals, washers, and dryers. Some home warranty companies offer additional coverage for items like extra refrigerators, freestanding freezers, extra dishwashers, and wine refrigerators.


Are There Home Warranties for High-End Appliances?

Yes, most standard home warranty policies cover high-end appliances. As such, you will want to look for plans that cover all your appliances and offer high coverage caps. That way, if one breaks down, you will not have to worry about the cost of repairs or replacements.


Do Home Warranties for High-End Appliances Cover Home Systems too?

Yes, home warranties for high-end appliances typically cover home systems like electrical, plumbing, furnace, air conditioner, and water heater. Some home warranty companies also protect sump pumps, wells, pools, spas, and more.


What is a service fee?

A service fee (sometimes called a deductible) is a small, one-time fee that you pay each time you use your home warranty. This fee goes towards the cost of sending a contractor to your home to diagnose and repair your appliance. Service fees typically range from $50 to $100.


Final Thoughts

A new home warranty for high-end appliances is a great way to protect your investment and save money on expensive repairs or replacements. Be sure to find a policy that covers all your appliances and offers high coverage caps. That way, if one of your appliances breaks down, you will not have to worry about the cost of repairs or replacements.

Today's Homeowner Home Warranty Ranking Methodology

At Today's Homeowner, transparency and trust are our most important values for the reader.

To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.

We developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria. We used a five-point scale with a point index ranging from 0.00 to 1.00. The minimum awardable value is 0.0, whereas 1.00 is the maximum. These numeric points are translated into star ratings, using whole star increments between one and five.

Here is a quick breakdown of our five core scoring categories:

  • Coverage (0.4): This category evaluates the scope of protection offered by a home warranty provider. We clearly distinguished between limited or broad coverage to help homeowners identify their own home protection needs. We also factor in claim turnaround times, average waiting period lengths, plan types, annual coverage limits, policy exclusions, etc.
  • Cost (0.3): This category considers what home warranty companies charge homeowners monthly, annual, and out-of-pocket. We urge homeowners also to consider the cost-to-value ratio of a home warranty plan.
  • Transparency and Trustworthiness (0.15): This category evaluates home warranty providers based on pending or past legal action, hidden fees, lack of information readily available on the website, exclusions, and more. We consider how upfront a company is to its potential policyholders, which says a lot about its products and services.
  • Customer Support and Satisfaction (.09): This category evaluates the efficacy of a home warranty company’s effort to provide supportive guidance to inquiring customers and how policyholders are satisfied with the assistance they receive.
  • Customization (.06): This category evaluates the ability of homeowners to adjust and choose their policy details, such as pricing variation, optional add-ons, and the number of plans available.

Editorial Contributors
avatar for Jonathon Jachura

Jonathon Jachura

Contributor

Jonathon Jachura is a two-time homeowner with hands-on experience with HVAC, gutters, plumbing, lawn care, pest control, and other aspects of owning a home. He is passionate about home maintenance and finding the best services. His main goal is to educate others with crisp, concise descriptions that any homeowner can use. Jon uses his strong technical background to create engaging, easy-to-read, and informative guides. He does most of his home and lawn projects himself but hires professional companies for the “big things.” He knows what goes into finding the best service providers and contractors. Jon studied mechanical engineering at Purdue University in Indiana and worked in the HVAC industry for 12 years. Between his various home improvement projects, he enjoys the outdoors, a good cup of coffee, and spending time with his family.

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photo of Roxanne Downer

Roxanne Downer

Editor

Roxanne Downer is a commerce editor at Today’s Homeowner, where she tackles everything from foundation repair to solar panel installation. She brings more than 15 years of writing and editing experience to bear in her meticulous approach to ensuring accurate, up-to-date, and engaging content. She’s previously edited for outlets including MSN, Architectural Digest, and Better Homes & Gardens. An alumna of the University of Pennsylvania, Roxanne is now an Oklahoma homeowner, DIY enthusiast, and the proud parent of a playful pug.

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