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Top 5 Best Home Warranties For Luxury Homes (2020 Review)

Top Best Home Warranty Companies For Luxury Homes Review

Looking for the top home warranty for your luxury home?

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

  • What is a home warranty for luxury homes?
  • How much will a home buyers warranty for a high-end property cost you?
  • Is a home warranty worth it for your luxury residence and how does it work?
  • Our Top Picks for Home Warranties That Cover Luxury Homes
  • And Much More!

We’ve reviewed 68 different home warranty companies, and below are our top picks for high-end appliances and systems specific to your state. Want to learn more about each? Continue reading!

Editor's Choice

$50 Off Your Plan
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Best Overall

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

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

  # 1 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 95.80
  • $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 Total Home Protection
Editorial Rating 95.20
  • $150 off + 2 months free
  • Free Home Security System Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)
  # 5 First American Home Warranty
Editorial Rating 94.90
  • Best Customer Service 2020
  • Large and established
  • Plans from $25/m
  • Automatically renewed policy
  • Limited selection of extra coverage

Do you own a high-value residence, estate-style property, new modern home or vacation villa and with extravagant major appliances and systems? No matter if you are a luxury homeowner, homebuyer or real estate agent, you have come to the right place. 

We understand that as an affluent homebuyer, you look for trustworthy appliances to make your day-to-day life easier. Luxury appliances are becoming more advanced each year, and appliances are no longer just about looks. Upgrades today consider the safety, efficiency, and technology of your home and these products should be adequately protected by the home warranty provider right for your needs.

But, what happens when your induction cooktop no longer heats up? Or your KitchenAid professional stand mixer leaves your ingredients unmixed? Thankfully, there is an easy answer: home coverage for major appliances and major systems. With a home protection plan, you will not have to worry about paying out-of-pocket expenses for repairs in these situations.

So do you want peace of mind knowing that your high-dollar appliances in your seven-figure home will be insured? Ahead, we will talk you through why home warranties for a luxury property is strongly encouraged, and we help you make an informed decision on which home service company will save you the most money.

What Are Home Warranties For Expensive Appliances and Systems?

A home warranty for luxury properties does not only protect regular systems like ductwork and appliances like dishwashers, it’s much grander, covering your unique and one-of-a-kind items tailored to your home. This service contract between you and the warranty company protects your high-dollar items from everyday wear and tear.

You may ask, what appliances and systems are considered “luxury”? Well, the list begins in the kitchen but is not limited to recreational luxuries, such as a pool or spa. 

Buyers nowadays are looking for the latest and greatest kitchen appliances to make their at-home dining experience a bit more gourmet. Below are a few examples of luxury kitchen appliances:

  • Sub-Zero Refrigerators
  • Induction Cooktops
  • Wall Ovens
  • Warming Drawers
  • Trash Compactors
  • Wine Chillers
  • Ice Makers
  • Coffee and Espresso Machines

It’s no secret that these performance items go beyond the simple functions of standard appliances. Technology has even worked to the luxury homeowner’s benefit, allowing these items to become the latest and greatest. In 2020, we are seeing a growing number of smart refrigerators, with Wi-Fi accessibility and touch screen capabilities. If you are curious about the latest smart-refrigerators, check out this video.

As an owner of these expensive appliances, you will want a home warranty to mitigate the cost of malfunction on these appliances, so your nightly cooking routine will never be interrupted. 

So, what’s the difference between coverage for regular appliances and coverage for luxury appliances?

Here’s the answer. Most companies offer basic coverage for commercial grade items, but simply upgrading your home protection plan can salvage these high-dollar goods. For example, American Home Shield strives to help hold your items to their luxury status by offering a Combo Plan that lets you protect both your luxury appliances and systems at the same time. By choosing this plan, you can ensure that your luxury built-in food centers, like a warming drawer, are insured alongside a more basic system, like HVAC. American Home Shield will cover up to $3000 in repair and replacements costs for your built-in food center.

So, if an appliance breaks and results in a total system failure, this is where a superior home warranty plan can be a big help. Replacements can be annoying, but if the appliance is a covered item under your warranty plan, it is no longer a hassle, rather an exciting new addition to your luxury home.

Still Have Questions? Read Also: What is a Home Warranty – Our FAQ

What Does Coverage For A Luxury Property Cost?

As the owner of a luxury home, your appliances might have translated to higher initial costs when the home was purchased, but this does not mean you should have to pay an immeasurable amount for home repair and replacement costs in the event of a breakdown of one of your high-dollar belongings. 

Wondering what makes owning a home warranty for a luxury property so affordable? Here’s why: Because of the mere fact that no matter the square footage of your home, the advanced operation of your systems or rarity of appliances, there is a plan to fit the needs of your home and wallet.

Generally speaking, most home warranty companies offer generic warranty plans and premier plans for a wide range of homeowners. But each home warranty company and plan is different, so it is difficult to provide an exact value.

best home warranty for luxury homes facts

For example, Choice Home Warranty, one of our favorites, offers a basic plan, also known as the Silver Combo Plan, and a total plan, known as the Platinum Combo Plan. The Silver Combo Plan is perfect for regular homeowners looking for basic coverage, like the heating system, plumbing system and electrical system. But, luxury homeowners usually appreciate greater coverage for their unique appliances, making the Platinum Plan the best choice. While more items in a plan often equate to a higher price, the value is really in the number of home appliances and systems covered.

Other companies offer Build Your Own plans or special add-on coverage. A Build Your Own plan is one of the most expensive plans to choose from, but it comes with the convenience and flexibility of choosing which items to cover. 

In general, when you file a claim with any home warranty company, you have to pay a service fee or call fee to the company for the contracted technician. Service call prices vary between homeowners warranty companies and can depend on your policy. 

So, just think about it, saving a lump sum of cash each year by simply investing in a home warranty plan, eliminating almost all out-of-pocket expenses for maintenance. We at ReviewHomeWarranties.com know that owning a home warranty plan, especially a platinum or premier plan, will give you the peace of mind that luxury items are covered in the event of an issue.

Are Warranties In A Luxury Home Worth It?

It’s no surprise that top-of-the-line appliances often accompany the purchase of a luxury home. In fact, most realtors are quick to highlight unique standout appliances in a luxury property. But, you might be wondering, do I really need to spend the extra money on a premium plan to cover these items?

The short answer is yes, but let me set the scene to help you understand.

After a long day at the office, nothing sounds more pleasing than a chilled glass of white wine. Your new under-counter Dacor Wine Cellar is a wine connoisseurs dream and the highlight of your kitchen. However, as your drink is dispensed, the glass feels warm and lacks the fruity-taste you were craving. You quickly realize the system is malfunctioning. So, what do you do?

The answer is easy with a home warranty; you file a claim immediately. Your glass of fresh white wine cannot wait another day, and lucky for you, many home warranty companies are available 24 hours a day, seven days a week. Choice Home Warranty, our number one pick on the home warranty market, ensures customers that they can be reached around the clock.

Moreover, home warranty coverage that guarantees quick response and repair times for your favorite luxury items is an added benefit.

Also, if you consider the cost of repair for any home system or appliance out-of-pocket, it is financially stressful for any homeowner. Besides, wouldn’t it be easier to not even to have to worry about the cost of time and money in finding a contractor that specializes in fixing your Dacor wine dispenser? We at Reviewhomewarranties.com think so and know that this is where an upgraded home warranty plan is worth it. 

Here’s the bottom line: Even as a luxury homeowner, unless you have cash set aside for expensive repairs, a more premium plan or add-on coverage is worth it in order to keep your luxury items fully functional when you need them to be.

How Do Warranties For High-Dollar Items Work (Are They Unique)?

Here are three steps to choosing the best home warranty for high-dollar properties. 

Step 1: Find The Right Home Warranty Companies Relative To Your Luxury Needs

It is a good idea to consider which companies are the most credible in the public’s opinion to cover your unique items. Usually the top company, Choice Home Warranty and its competitor, American Home Shield, are more trusted by customers for luxury items.

When companies fail to provide coverage information, like pool coverage, where only 21% of companies do not provide any information about pool coverage except that they offer it, it is a clear red flag. 

Transparent companies like Choice Home Warranty want to ensure customers that their unique items will be safeguarded, which is why their coverage limits and premiums for pools are clearly disclosed. Choice Home Warranty even has earned a four out of five starts for trustworthiness, making them a leader in the industry.

When homeowners are clearly able to understand which of their expensive items are covered or not covered and the cost, claims are less likely to be denied.

Read Also: What Are The Best Companies For Pool Coverage?

Step 2: Decide Which Plan Fits Best With Your Luxury Items and Sign A Service Agreement With A Company

Take a look around your house and ask yourself which items you prefer to be insured. Consider the age of your house, the age of your appliances and systems, and how they are treated.

For example, if you are a frequent traveler and rarely use your appliances or systems, a more basic plan could be right for you. The same goes for people who are gentle with their belongings. The downside to this is that standard policies generally leave gaps and often overlook luxury items. 

For expensive items, either customizable or combo plans are usually more suited for high-dollar property owners. American Home Shield offers both a Build Your Own Plan for 10 items and a combo plan covering over 21 appliances and systems. For example, in the event your dual shot espresso barista breaks down, American Home Shield will protect these built-in machines in both plan options. 

Moreover, luxury consumers that opt into a less-rigid coverage plan feel that they have over more control of their home and budget’s unique needs.

Step 3: Submit A Claim And Wait For Your Items To Be Repaired and Replaced

Once a covered system or appliance breaks down, call your provider within 24 hours and the company you have chosen will send a technician from their network to fix the issue. Usually, the service provider will contact you to schedule an appointment mutually.

What makes luxury appliance and system coverage unique for customers is the convenience of not having to deal with repair and replacement issues themselves or the hassle of finding a contractor. Choice Home Warranty’s network of over 10,000 are experienced in spa assistance so that you can continue enjoying your much-needed downtime.

If the service contractor discovers that your spa is unable to be repaired, the replacement process will be underway and is generally replaced within 90 days, which is standard for most companies.

Best Home Warranty Companies For Luxury Homes Reviewed

Choice Home Warranty

Our number one pick for a luxury home warranty is Choice Home Warranty. Choice has continually proven to meet high-end property needs since 2008, and offers comprehensive plans with additional coverage for your important items. A few notable add-on items for luxury appliances include pool, central vacuum, freezer second refrigerator and the ability to protect two spas.

Not only is the ability to have two spas covered favorable for high-dollar homeowners, but the valued prices that Choice Home Warranty offers. Compared to its competitor, American Home Shield, Choice offers similar plans but for 30% less, saving its customers an average of $30 a month on covered items. 

Read Our Full Review of Choice Home Warranty


  • Won’t deny coverage if expensive systems and appliances are over a certain age 
  • Better Business Bureau (BBB) rating is a B-, which is one of the highest ratings for a company on the market
  • Free reservice period of 90 days for luxury parts, compared to the industry standard of 75 days


  • Plans are not customizable to include luxury items, only are available as optional add-ons
  • Does not have availability in California, Oklahoma or Washington

American Home Shield

American Home Shield is perfect for the homeowner with expensive appliances and systems that want to cover as many items as possible. In addition to their two basic plans, they offer a Combo Plan and a Build Your Own Plan. The Build Your Own Plan is the most expensive plan that American Home Shield has to offer, but the convenience of choosing 10 items to insure is something that AHS customers enjoy. Optional coverage items are pretty limited, so if you prefer add-on plan options, the Build Your Own Plan is worth the expense. 

American Home Shield offers comprehensive coverage for additional properties as well, which is beneficial for the luxury homeowner that more than a primary residence. For example, you can have your New York City penthouse insured as well as your vacation house on Long Island when you opt in to AHS.

Read Our Full Review of American Home Shield


  • Four plan options are offered so that expensive goods can be covered
  • Claims to address any luxury issues covered by the contract within 48 hours
  • A Network of more than 13,000 contractors, higher than most home warranty companies


  • Limited add-on coverage compared to the industry standard
  • Build Your Own Plan and Combo Plan that includes high-dollar items is more expensive
  • Lower customer service satisfaction compared to other companies

Select Home Warranty

Select Home Warranty offers three comprehensive policies for luxury items compared to two like Choice Home Warranty. People with luxury appliances in their homes usually purchase the company’s Platinum Care Plan, similar to American Home Shield’s Combo Plan. Seventeen appliances and systems are covered, to protect your luxury home from financial woes, including all parts and components.

Select Home Warranties understands that add-ons are important to luxury residents, which is why they are one of the only companies on the market to offer additional coverage for items like a sprinkler system. Select will cover up to $400 in repairs and replacements costs to keep your grass the greenest in your high-property value neighborhood.

Read Our Full Review of Select Home Warranty


  • Three days to file a claim for expensive items, rather than one, which is above the industry standard
  • Free Roof Coverage when any of the three plans are purchased
  • Offers discounts for multiple year coverage


  • Pre-existing conditions or defects on luxury items that relate or directly cause the malfunction is not covered
  • High cancellation fee of $75, compared to Choice Home Warranty’s fee of $50

Total Home Protection

Looking for extra plan options at a great value? Total Home Protection stands out with some of the lowest add-on fees per month to their plans on the market. For example, additional pool coverage is available for $150 a month, compared to American Home Shield who charges $255 per month. They will even cover spa with up to $500 in damages in both their Platinum and Gold packages, which most companies only offer as add-on coverage. 

Total Home Protection offers some of the best money-saving opportunities on the market with their coverage terms, even for luxury products. Instead of a month-by-month payment plan or a 12-month plan, Total Home Protection offers an extra month of coverage by using a 13-month plan. 

Lastly, Total Home Protection understands that some luxury homes are over 5,000 square feet. Lucky for you, they are one of the few companies to offer optional coverage for additional air conditioning units, water heaters and garage door openers. 

Read Our Full Review of Total Home Protection


  • An extensive list of optional coverage to include more luxury items and better prices for add-ons 
  • Lower premium fees
  • 13-month payment period instead of the industry standard of 12-months


  • Overwhelming complaints by subscribers of bad communication, compared to American Home Shield and Choice Home Warranty
  • Significantly low coverage limits between $400-$500 on systems and appliances, including expensive items
  • Only 24 hours maximum to file a claim

First American Home Warranty

If you value trustworthy coverage, First American Home Warranty is for you. Currently, FAHW is one of the biggest home warranty companies on the market, with over 800 employees ready to assist with your luxury property. 

First American Home Warranty is a leader in the industry and offers two plans for homeowners to fit their luxury appliance and system needs. However, they offer a minimal selection of extra coverage, which makes it challenging to cover your high-end appliances. But, they do cover up to $1500 in pool and spa coverage, which is one of the highest coverage limits on the market. 

Read Our Full Review of First American Home Warranty


  • Guarantees two business days for repair time, including pool and spa
  • Received a medal for Best Value in Money category in 2019 insurance awards
  • Earned a B+ BBB rating, compared to Select Home Warranty’s B- rating


  • A very limited selection of optional coverage to cover luxury items
  • Service call fee is non-negotiable
  • Only offers plans and coverage in 35 states, compared to Choice Home Warranty’s availability in 47 states

Final Thoughts On Warranties For High-End Appliances And Systems

In conclusion, if you own a high-end primary or secondary residence, it is best to have protection on your appliances and systems. Besides, who is able to enjoy a luxury vacation home when the HVAC system is broken? 

Luxury homes are an investment, and it is important to make sure that your appliances are always in tip-top condition, especially if you are about to put your home on the real estate market. Luxury homes, condos, townhomes and vacation properties can be difficult to sell, and when everything is in proper working condition, the home is much more appealing to a new home buyer. Having a protection plan can even help your luxury property sell faster and at an average of $2000 more. 

Read Also: What Is The Best Home Warranty For A Condo?

No matter if you live in an oceanfront property in Maine, a Hawaiian escape vacation home, a river house in Montana or a mountain home in Vermont, there is appliance and system protection for you. Check out our state-specific pages for more information. 

So, don’t get stuck with out-of-pocket expenses or financial woes for major home luxury items. We at ReviewHomeWarranties understand there is a lot to think about when investing home protection, but we believe you should consider it essential when it comes to a luxury appliance or system.