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Top 5 Best Home Warranties For Refrigerators (2021 Review)

Top 5 Home Warranties For Refrigerators Review

Looking for the best home warranty for refrigerators?

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

  • Will a home warranty cover replacing my refrigerator?
  • Is a home warranty for a refrigerator worth it?
  • How much will a home warranty cost?
  • … and answers to all your questions about home warranties for refrigerators.

What is the best refrigerator home warranty? What should you know about home warranties and look for in order to make the best decision? Let’s find out.

It’s never good when your refrigerator decides to stop working. That is going to have a big impact on how your next few days are going to go. And whether it a french door refrigerator (aka side-by-side refrigerator) or if it has a top or bottom freezer, your refrigerator needs to be working at all times. If it breaks down, that means a lot of hassle, a lot of expense, and potentially a lot of wasted food. You want to avoid that.

This is where a good home warranty comes in. You need a home warranty that will be there when you need them, take your calls 24/7, and fix that covered item with as little downtime as possible for your refrigerator. 

How do you find that much-needed support at the right time? We’re here to help you with that. Our top picks have excellent customer service track records, come at a great value, and can be a resource for help when you need it most.

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 Refrigerator Replacement?

How does a home warranty work? Here is what you can expect if you have an issue with your refrigerator under a home warranty contract. When a service call is made, the contractor called in will first try to repair rather than just replace the refrigerator. So far, so good. Refrigerator repair is great if there is a problem that can be fixed.

But what if it is determined that the refrigerator is beyond repair? What if you need a new refrigerator? Will a home warranty cover replacement for a covered refrigerator malfunction? 

If you have a beautiful, energy star rated, stainless steel, fingerprint-resistant refrigerator with just the right adjustable shelves and storage space, purified water dispenser, the perfect counter-depth, with crisper drawers that keeps your fresh foods fresh, you want a new model that does the same. And you don’t want the price tag for a replacement to deplete your bank account. 

Can that happen with a home warranty? The good news is that, yes, it can. But you should do your research, as you are doing right now. Some home warranty providers have more generous coverage limits than others. For instance, Choice Home Warranty and American Home Shield both have a $3,000 limit for service and repair or replacement of appliances, including refrigerators. Others have limits as low as $500. Be sure to read the fine print of the service agreement. Some home warranty companies do not cover all manufacturers, or they might have exclusions for restaurant-grade or elite high-end refrigerators. 

But most refrigerators from appliance manufacturers like Samsung, Frigidaire, Whirlpool, Kitchenaid, Maytag, Amana, Bosch, Electrolux, and Kenmore should be covered up to the limits specified in the contract. If you have a higher price range unit, say a Sub-Zero, it might be covered, but just up to the coverage limits spelled out in the service contract. 

Another thing to be aware of: With smart home technology on the rise, there are some specifics you should understand about the home warranty coverage you are researching. For instance, Choice does not cover the repair of Audio/Visual equipment and internet connection components. 

Some have more restrictions than others. Total Home Protection excludes, among other items, “ice makers, ice crushers, beverage dispensers, and their respective equipment; water lines and valve to the ice maker.”

If the home warranty company agrees to a replacement, be sure to ask about how the contractor will arrange for the safe removal of the old refrigerator.

Is A Home Warranty Worth It For Refrigerators?

Why spend money before a problem comes up? Can a home warranty really help you when a refrigerator stops working? Is it worth it? Let’s dig into these questions.

A home warranty is unlike homeowners insurance, which only covers damage or malfunction due to fire, theft, and natural disasters. It is unlike a manufacturer’s warranty, or even an extended warranty on major refrigerator brands through big-box retailers like Best Buy, Home Depot, Sears, or Lowes, which only last a limited time and may only cover parts and not labor. A home warranty is meant to cover malfunction and stoppage that happens as a result of normal wear and tear. 

So how does this help you with your refrigerator? Well, if your fridge goes on the blink and it wasn’t due to a big storm that blew through, or a random criminal stealing it, without a home warranty, you are on the hook for repairing or replacing it. If it is outside of the manufacturer’s warranty or the extended warranty (which somehow they always are!) you are on the hook. All of this can be incredibly frustrating when the place where you store one of the basic building blocks of life turns from safe storage to a disease vector! 

That may be slightly overdramatic, but a home warranty can definitely be worth it for helping with costs related to a refrigerator malfunction. Coverage inclusions and exclusions vary from provider to provider, so you want to understand the details before you sign a service contract. But when you have a problem, whether it is with the compressor, temperature control, the cooling system, evaporator, even an ice dispenser that isn’t dispensing – you want that problem taken care of. Can a home warranty help with these things? Read your service agreement carefully. Many of the most common problems will be covered. But things like LED lighting that has gone bad might not be covered. 

A refrigerator is one of the most crucial home appliances in your home. Having it repaired or replaced at less of a cost than you could replace it without a warranty? That’s priceless.

To be clear, if you have a refrigerator that costs under, say, $400, buying a home warranty for this appliance alone is not the same as if it were a more expensive unit. But for the peace of mind it brings for not just the refrigerator but major systems in your home, and other appliances like your washer and dryer, a home warranty can definitely be worth it.

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

As an industry-standard, pre-existing conditions are not covered with most home warranties.

But several of our top home warranty picks have bucked the industry standard. So far, for American Home Shield and Cinch Home Services, the answer is, yes. They do cover certain pre-existing conditions. 

So while most home warranties specifically exclude all pre-existing conditions, but AHS and Cinch make some exceptions. Cinch has a “no gotchas” guarantee that comes with their protection plans that includes protection for unknown, pre-existing conditions. 

Here is how AHS spells it out: “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.”

So if this is a consideration, it’s great to know that two of our top choices for refrigerator coverage do have these provisions. Again, you will want to read current contracts carefully to understand the limitations of any pre-existing conditions coverage. 

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

When can you start using your plan? The industry standard, which all of the top five refrigerator home warranty companies follow, is 30 days following the purchase of the service contract. So as long as the malfunction does not occur before those first 30 days, you are all set. And if you continue coverage after the first year, there will be no further delay in the start of your coverage.

Why can’t you use your home warranty right away? The industry wants to make sure you won’t just get coverage for something that is already broken, then cancel when the problem is fixed.

Refrigerator in a kitchen with home warranty

How Much Will a Home Warranty For Refrigerators Cost?

Home warranties are more affordable than you might think. And in many cases, you can choose coverage specifically for appliances. But most customers choose to purchase a Combo Plan rather than just an Appliance plan. For a few dollars more a month, you get coverage not just for your refrigerator and other appliances, but for systems like air conditioning, heating, plumbing, and electrical. 

The cost of a home warranty comes in two parts: the premium and the deductible. Let’s take a look at both.

Premium

Premiums among the five best home warranties for refrigerators range from around $420 per year ($35 per month) to around $750 per year ($62 per month) for the most expensive plans. Most range from around $450 to $600, so you should be able to get coverage within that range, and if you want more coverage you can choose one that stretches into that $750 range.

Deductible

Also known as the service call fee, the deductible is the amount you pay when you find an issue with your refrigerator or other covered appliance/system and make a call to the home warranty customer service line (or use the online portal.) 

Deductibles are often in the $75 range. Some companies charge $100, and others charge up to $150 in exchange for a lower premium payment. The deductible is paid each time you make a service call and a technician is sent to your home to assess the problem. 

What To Look For When Picking The Best Home Warranty For Refrigerators?

Is the refrigerator covered under the basic plan, or do you need the Combo Plan to get the refrigerator included? The Combo Plan is usually the best option with coverage for much more than your refrigerator and other kitchen appliances. 

Not sure what’s wrong with your refrigerator? Check out this quick video for some diagnostic help: 

 
You want to look for the best mix of out-of-pocket expenses–premium and service call fee in this case–along with coverage limits that will take care of your refrigerator in a worst-case scenario. You want to look for a home warranty company that uses well-vetted contractors. All of our top five choices have these characteristics to one degree or another. Take a look at our reviews to see which one will fit your needs the best.

Top Home Warranties For Refrigerators 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 For Refrigerators

The distinction goes to Choice Home Warranty for their reputation, generous coverage limits, and excellent customer service. Their reasonable premiums and excellent coverage make them the clear choice for taking care of your refrigerator and other appliances and home systems.


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 $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