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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 $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 High-End 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 High-End 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 High-End Appliances)

Choice Home Warranty is the best option for high-end appliances. When your home has high-end appliances, it is essential to have a home warranty plan in place with adequate coverage of those appliances and the option for the replacement cost as well. Most home warranty policies will not cover a full replacement, especially on a high-end appliance; however, as long as the policy limits are higher, part of a replacement will be covered. The Choice Home Warranty high-end appliance policy limits are $3000. Compared to a company like Select Home Warranty with limits of around $500, this is undoubtedly an essential factor to consider in the policy. 

With high-end appliances, it can also be challenging to find a service technician that will service your appliances and do it for a fair price. Sometimes having a repair person come over and evaluate your high-end appliance can be over 100 dollars. With Choice Home Warranty, the price is $85, and it includes the diagnosis and the repair of your high-end appliance. American Home Shield is another excellent option for high-end appliances, but their service fee can be over 125 dollars. Clearly, if you have more than one issue with your appliances in a year, you will shell out quite a bit more in service fee expenses. 

Although having your high-end appliances covered as part of your home warranty plan is important, you should also consider the systems in your home. Chances are these are high-end systems as well. With the Choice Home Warranty Basic Plan and Total plan, you get a great combination of both systems and appliances under one affordable policy. 

Choice Home Warranty is currently offering a sale that gives you $50 off the policy, the first month free, and free cancellation for the first 30 days. If you have been on the fence about a home warranty for your high-end appliances, now is the time to invest in Choice.

Pros

  • Simple and easy to understand home service warranty 
  • Only a few exclusions in the Total Plan
  • Add-on coverage or additional coverage available for items not covered in basic plans 

Cons

  • There is no option for a custom plan where you choose the appliances or systems covered
  • You cannot choose your own technician to do the work on your high-end appliances 

American Home Shield (Most Customizable)

American Home Shield is the editor’s choice for the best home warranty for high-end appliances. High-end appliances tend to be costly to repair and expensive to replace. To avoid getting stuck with these fees, choosing a premium warranty like American Home Shield is vital. Since this is the most customizable plan on the market, you can add in any of your high-end appliances and get the AHS plan to work specifically for your home. If you want your dishwasher to have coverage, but you are not worried about the washer and dryer, American Home Shield will allow customization like this. 

In addition to customizing the coverage of the plan, you can also choose your monthly premium and your deductible. Choice Home Warranty and Select Home Warranty do not offer these kinds of choices in their plan options. With a high-end appliance, there could be some more costly repairs that come up, and having the $2500 and above coverage limits as part of the AHS plan will ensure that you are appropriately covered. American Home Shield has more than 50 years of experience in the industry; they have handled millions of high-end appliances and the issues that come along with them. 

Even though AHS is one of the more expensive plan options on the market, they still offer a sign-up incentive worth taking advantage of. For a limited time, you can get $50 off the price of the plan.

Pros

  • Known for quality workmanship and customer service
  • AHS gives customers the ability to customize both plan and payment options
  • A very broad range of coverage options from plumbing systems to the sump pump to ductwork

Cons

  • The pricing is high for the more customized plan 
  • BBB rating is only a B, some issues with customers service in the past 
  • Some optional coverages for non covered appliances will increase the price of the plan

Select Home Warranty (Most Affordable)

Select Home Warranty is the best value for your home warranty for high-end appliances. With the Select Home Warranty plan in place, you can get coverage for more than just your high-end appliances, and the pricing will be considerably lower than other brand name warranties. The Select Home Warranty appliance plan covers the dishwasher, garbage disposal, oven, refrigerator, washer, and dryer for a low monthly price. In addition, the deductible or service fee for the Select Home Warranty is only $65. With companies like American Home Shield charging up to $125, this is an excellent way to save money on your plan. 

One of the things that help SHW stand out is the fact that it comes with free roof leak coverage. For any part of the main home that experiences a leak, Select Home Warranty will come in and repair it for the same deductible; however, your monthly premium will never reflect the cost of this roof coverage. Other plans like Choice Home Warranty and American Home Shield will charge extra for this additional coverage. With the cost to cover high-end appliances, it makes sense to look for a plan that will offer the most coverage for the lowest price. 

Select Home Warranty is currently offering the best incentive on the market for those that are interested in signing up for the plan. With the current incentive, you can get $150 off, two months free, and you can cancel the plan within 30 days for no charge. If price was holding you back from a warranty for high-end appliances, this should fix it. 

Pros

  • One of the most affordable plans on the market for high-end appliances 
  • Plan choices are simple and straightforward, with two options to choose from 
  • Free roof coverage with the Total plan 

Cons

  • $75 Cancellation Fee
  • Must file a claim quickly, or it will be denied 
  • Lower policy limits may not cover full replacement costs  

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.

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 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.

Are You Looking For The Best Home Warranty For Pre-Existing Conditions? Check Out This Article!

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 for High-End Appliances

Home Warranty Cost

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

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.

Read Also: Which Home Warranty Plan is the Cheapest?

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
 

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)

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.

Frequently Asked Questions For High-End Appliances

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

Q.

Do Home Warranties Cover High-End Appliances?

A.
When it comes to high-end appliances, a home warranty can be a tricky thing. There is some fine print involved with the high-end appliances that homeowners need to be aware of when making their purchases. High-end appliances tend to have very high replacement costs, and it could impact the price or availability of your home warranty policy. 

Most home warranty companies are going to have coverage limits and excluded brands. Certain brands are excluded because their products cost too much to offer complete coverage for the agreed-upon monthly rate. 

You will also notice that some of the home warranty companies will only allow repairs up to a certain amount of money. As you can probably imagine, when a $7000 refrigerator has a problem, the repair or replacement could be outside the typical range for covered repairs. 

In the end, home warranties cover some high-end appliances but you have to be careful to check the specifics of your individual plan. 
Q.

Will a Home Warranty Replace My High-End Appliances? 

A.
A home warranty will replace your high-end appliances as long as they were not excluded, to begin with. Many companies will not replace or repair professional-grade equipment. The professional-grade equipment is not something the contractors specialize in, and it falls outside of the range of typical or standard appliances. 

When you sign up for your home warranty policy, you must explain the type of appliances you have and the replacement costs associated with them; you will want this information before starting the plan. 
Q.

Who Has The Best Home Warranty Insurance? 

A.
The best home warranty insurance for high-end appliances is Choice Home Warranty. Several things help Choice Home Warranty to stand out from the crowd. The most important, however, is that they have minimal exclusions. You won’t have to worry about the brand name of your appliances quite as much as you would with a different provider. A few important things to remember about Choice Home Warranty include the following. 

  • Fair pricing
  • Easy to sign up
  • Very few exclusions
  • Flat service rate, even for high-end appliances
  • Good customer service 
Q.

What Does A Home Warranty Cover?

A.
A home warranty covers the essential systems in a home that the homeowners insurance is not going to take care of. When you think about your day-to-day life in a home and the systems and appliances that you need to make it through the day, those are the things that most home warranty companies will cover. 

Appliances are probably the most essential coverage that home warranty plans offer. If you happen to have a few high-end appliances, you will want to make sure you are prepared to have them fixed and worked on without a large out-of-pocket expense. 
Q.

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

A.
Hopefully, when you purchased your high-end appliances, you were also able to get some kind of a warranty on your purchase. The high-end appliances can make your kitchen function like a professional kitchen, but they can also significantly impact your bank account. 

The home warranty is a policy that will extend beyond the original manufacturer’s warranty and offer you some protection against expensive repairs on this type of equipment. If you happen to have high-end appliances, always check the coverage’s specifics before completing your purchase for a new homeowner’s warranty.