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.
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What's In This Guide?
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?
A 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.
Top 5 Best Home Warranties For High-End 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.
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 5 Best Home Warranty Companies For Electrical Systems
|Well Pump Company Name||Premium Per Month||Deductible|
|Choice Home Warranty||From $36.17 to $43.85||$85 flat rate|
|American Home Shield||From $49.99 to $59.99||From $75-$125|
|Select Home Warranty||From $35.83 to $37.50||$75 flat rate|
|Total Home Protection||From $45.33 to $52||$75 flat rate|
|First American Home Warranty||From $28 to $42.50||From $75-$100|
Top Home Warranties For High-End Appliances Reviewed
Finding the best home warranty service contract for your premium home appliances isn’t easy. So, here are home warranty reviews of 5 of our top picks for premium appliance coverage.
Choice Home Warranty
Choice Home Warranty is one of our top picks for protecting your high-end home appliances because they provide comprehensive, yet affordable coverage for the most important parts of your home.
With either their Basic Plan or their Total Plan, you get protection for your major appliances and home systems. For anyone looking specifically at high-end appliance coverage, Choice Home Warranty’s Total Plan is a solid choice.
When you opt for the Total Plan, you get coverage for the following appliances:
- Oven, cooktop, and built-in microwave
- Garbage disposal
- Clothes washer and dryer
Their plans also come with comprehensive coverage of all your major systems. This includes your air conditioning, heating system, ductwork, plumbing system (including hot water heater, stoppages, and whirlpool bathtubs), and your electrical system.
The company offers up to $1,500 in coverage per appliance per contract period. This is enough to pay most, if not all, of the cost of repairing and replacing many high-end appliances. Plus, they offer optional add-on coverage for pools, spas, stand-alone freezers, and central vacuum systems for you to choose from.
- Great maximum coverage limit for appliances
- Comprehensive combo plan offerings
- Excellent list of optional add-ons for coverage
- Doesn’t offer a build your own plan option
- No coverage available for wine fridges or automatic hot water dispensers
American Home Shield
American Home Shield is a popular choice for homeowners across the United States, and for good reason – they offer 3 great coverage plans for you to choose from.
Indeed, they offer an Appliances Plan which is perfect for homeowners that solely want to protect their high-end appliances. With this plan, you get coverage for the following appliances:
- Ranges, ovens, and built-in microwaves
- Clothes washers and dryers
- Trash compactors
- Freestanding ice makers
- Garage door openers
- Built-in food processor
American Home Shield also offers some of the highest per-item limits in the industry, with up to $3,000 in coverage for most appliances.
If you want even more coverage, their Combo Plan provides home services and repairs on all the appliances listed above, plus your major home systems.
For added convenience, American Home Shield provides a long list of optional coverage items. This includes sump pumps, well pumps, pools and spas, and even extended electronic warranty in case your high-end appliances malfunction.
Oh, and you even get to choose your own service fee so you can decide if you want to pay more upfront to save money down the line.
- Allows you to choose your own service call fee
- A wide service area for optimal coverage
- Excellent appliance coverage limits
- Slightly higher than average annual premiums
Select Home Warranty
When it comes to getting maximum flexibility over your home warranty coverage, Select Home Warranty is a sure bet. With the company, you have the choice between 3 different plan options, though the Bronze Care Plan and the Platinum Care Plan are best for high-end appliances.
In particular, their Bronze Care Plan protects the following appliances up to a $500 per term limit:
- Built-in microwave, oven, and stove
- Clothes washer and dryer
- Garbage disposal
If you also want coverage for your major systems, Select Home Warranty’s Platinum Care Plan covers everything in the Bronze Care Plan, plus:
- HVAC system and ductwork
- Plumbing system and stoppages
- Electrical system
- Ceiling fans and exhaust fans
In addition to these great plan options, you can choose from a nice list of add ons, including pools, spas, septic systems, stand-alone freezers, central vacuum, and sprinkler systems. They also offer roof leak protection at no extra cost with all of their plans.
- Comprehensive coverage of appliances under 2 plan options
- Great list of add ons for appliance coverage
- Roof leak protection included at no extra cost
- Premium costs are on the higher end of the spectrum
Total Home Protection
For affordable, yet extensive coverage, Total Home Protection’s warranty plans are a popular choice.
Total Home Protection offers 2 plan options for high-end appliance coverage. Their Platinum Plan is especially great because it protects the following appliances up to a $400-500 limit:
- Built-in microwaves, ovens, and stoves
- Clothes washer and dryer
- Garbage disposal
- Trash compactor
- Whirlpool bathtub
In addition to coverage on these appliances, you also get comprehensive protection on your major home systems, like your air conditioner and plumbing. They also let you choose from a list of add ons, including pools, spas, second refrigerators, and standalone freezers.
Total Home Protection stands out because it has low service call fees and relatively affordable premiums. The company also provides emergency repair services to help get your high-end appliances up and running as fast as possible.
- Emergency repair service available
- Good coverage of all major appliances
- Limited availability in some states
First American Home Warranty
If you’re looking for a large and well-established home warranty provider, First American Home Warranty is a popular choice.
Their highly affordable plan options include great coverage for high-end appliances. In fact, their Basic Plan covers the following up to a $3,500 limit:
- Clothes washer and dryer
- Built-in microwave, oven, and cooktop
- Garbage disposal
- Trash compactor
For homeowners that also want systems coverage, their Premier Plan includes all the items in the Basic Plan, plus heating, electrical, plumbing, and central vacuum.
A great aspect of First American Home Warranty’s coverage is that they offer upgrades for buyers and sellers during the real estate process. That way, you can get increased coverage should you decide to sell your home so you can get the best return on investment for your high-end appliances.
- Very high per-item coverage limits
- Affordable premiums and service fees
- Protection upgrades for home buyers and sellers
- Small list of add on coverage items
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.