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8 Best Home Warranties for Appliances of 2023
By Victor Rosario MONEY RESEARCH COLLECTIVE
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- Online Business Bureau Accredited with A+ Rating
- Covers Major Home Systems, HVAC & Appliances
- Free Roof Coverage, No Inspection Needed
24/7 support whenever your appliances fail
- Large network of independent prescreened contractors and qualified technicians
- In business for over 30 years
- Good coverage on home systems
- Does not cover pre-existing issues
- They will replace items that fail if they can't be fixed regardless of age, make or model
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- Industry leader since 1971
- More than $2 Billion in claims paid in last 5 years
- More than 2 Million customers served
- No inspection or maintenance records required
- 30-day workmanship guarantee
A home warranty can protect home appliances such as washing machines, dryers, refrigerators and dishwashers, which are essential to daily life and whose breakdowns can cause major inconvenience. Home warranties cover the cost of repairing or replacing your appliances, so you don’t have to worry about the financial burden that comes with unexpected breakdowns.
Buying a home warranty plan can provide peace of mind and help you save money in the long run when it comes to your home appliances. In this article, we will provide you with an overview of the best home warranty companies for appliances and the factors that were used to determine their ranking.
Our Top Picks for Best Home Warranties for Appliances
- Best overall: Liberty Home Guard
- Best for long workmanship guarantee: Cinch Home Services
- Best for low-cost appliance plan: America’s First Choice Home Club
- Best coverage for appliances: American Home Shield
- Best no-inspection plan: Choice Home Warranty
Table of contents
- Best home warranties for appliances company reviews
- Best home warranties for appliances guide
- Best home warranties for appliances FAQs
- How we chose the best home warranties for appliances
Best Home Warranties for Appliances Company Reviews
Best Overall: Liberty Home Guard
- Customize your plan with a very wide range of add-on coverages
- Offers systems-only, appliances-only and combination plans
- Some customers have reported slow response times for service requests
- More than 500 complaints made to the Better Business Bureau
Liberty Home Guard is a home warranty company that provides comprehensive coverage for your appliances and other home systems. The company offers three plans, including the Appliance Guard Plan, which covers nine common household appliances for $49.99 per month. This plan covers appliances such as garbage disposals, ceiling and exhaust fans, and garage door openers. The Systems Guard plan, at $54.99 per month, covers heating, air conditioning, plumbing, electrical systems, and hot water heaters, as well as ductwork. Finally, the Total Home Guard plan, available for $59.99 per month, includes coverage for all items in the other two plans.
One of the key benefits of Liberty Home Guard is its wide range of optional coverages, with over thirty options available. This includes popular add-ons such as second refrigerators, well pumps, and septic pumping, as well as coverage for pro-series appliances, electronic devices, and even maintenance services such as carpet cleaning and exterior power washing. This makes Liberty Home Guard an ideal choice for new home buyers looking for a comprehensive home warranty plan that covers their appliances and other important home systems. All plans come with a service call fee of $125, but you can opt for a lower fee starting at $65.
Best for Long Workmanship Guarantee: Cinch Home Services
- Exceptional 180-day workmanship guarantee
- Three competitively priced plans to choose from
- Choice of service fees
- Service fees are on the high side
Cinch Home Services offers a comprehensive home protection plan with a focus on appliances. The company offers three plans to choose from, including a plan for your appliances only. This plan provides coverage for a range of common household appliances, including refrigerators, dishwashers, ovens and more.
One of the key benefits of Cinch’s home warranty is the long workmanship guarantee of 180 days, which is significantly longer than the industry standard of 30 days. This ensures that you won’t have to pay multiple service fees for the same repair. The service fee starts at $100, but you have the flexibility to adjust your deductible to meet your needs.
Additionally, Cinch offers limited options for additional coverage, including pool and spa protection, septic tank coverage, well pump protection and code violation repairs. It also offers a unique feature of reimbursing up to $500 of your homeowner’s insurance deductible for related home system damage when making a claim through your appliance insurance policy.
Best for Low-Cost Appliance Plan: America's First Choice Home Club
- Cost-effective home warranty policies starting at $395 per year
- Choose your own contractor or one from AFC's network
- Competitive service fees starting at $75
- 30-day waiting period
- Limited payout of $150 before waiting period ends
AFC Home Club’s home warranty service is ideal for homeowners looking for a cost-effective solution for their appliances. The company’s policies, starting at just $395 per year, come with coverage limits that range from $1,500 to $2,000 per item, and offer a range of services from the client’s own contractors or those in AFC’s network.
For appliance coverage, AFC Home Club stands out for its competitive service fees, starting at just $75, and its 30-day waiting period with a limited payout of $150 for claims filed before that time. Additionally, HVAC tune-ups are exempt from coverage caps, which is a unique feature.
The company has a B rating from the Better Business Bureau, where it has been accredited since 2009, and is a member of the National Home Service Contract Association (NHSCA). With a free quote calculator, sample contract, and detailed coverage information available on their website, AFC Home Club makes it easy to understand your coverage options.
Best Coverage for Appliances: American Home Shield
- Over 50 years in business
- Unlimited coverage for covered system repairs
- Covers items with no maintenance records
- Covers breakdowns of appliances that haven't been properly maintained
- Free removal of items that need replacement
- More expensive than other plans
American Home Shield has a long-standing reputation in the home warranty industry. With over 50 years of experience and owned by the well-established Service Master company, you can trust in their expertise and reliability.
One of the key advantages of American Home Shield is their comprehensive appliance coverage. They have fewer restrictions compared to other home warranty companies and will even cover appliances that have been neglected. This can result in significant savings, especially if your heating system needs to be replaced.
For those looking for specific appliance coverage, American Home Shield offers three plans to choose from. The ShieldSilver plan covers your home’s major systems such as heating, cooling, electrical and plumbing. The ShieldGold plan adds coverage for your kitchen and laundry room appliances. The ShieldPlatinum plan provides the most comprehensive coverage, including roof leak protection, unlimited refilling of A/C refrigerant, HVAC tune-ups, and repairs made necessary by code violations, which are often excluded by other home warranty plans.
Best No-Inspection Plan: Choice Home Warranty
- First month free when you select an annual plan
- Two combination systems-and-appliances plans to choose from
- Publishes an informative homeowner's blog
- Refrigerators not covered in its lowest-cost plan
- Only covers properly maintained systems and appliances
- No sample contract provided on website
Choice Home Warranty offers comprehensive coverage for appliances and systems in your home. The company’s two plans are customizable and can be tailored to fit the specific needs of your property, providing excellent value at moderate prices.
One of the key benefits of Choice Home Warranty is its flexible policy options, which allow homeowners to choose the coverage that works best for their needs. Additionally, the company does not require a home inspection before issuing a policy, making it easier for homeowners to get the protection they need. However, it’s important to note that Choice Home Warranty reserves the right to deny coverage for any known or unknown pre-existing conditions, so it’s crucial for homeowners to understand the limitations of their coverage.
Other companies we considered
First Premier Home Warranty
With a focus on customized home warranty plans, First Premier Home Warranty provides comprehensive coverage for appliances throughout the United States. As a New York-based company established in 2020, they offer two different plans, the Premier Plan and the Premier Platinum plan, along with various coverage options to make the plans more comprehensive.
However, it’s important to note that the basic Premier Plan does not cover essential appliances like refrigerators, washers and dryers. To receive coverage for these items, customers must either choose the Premier Platinum plan or add the specialty coverage options. The company offers specialty options for pools, spas, sump pumps and duplicate appliances.
The cost of First Premier Home Warranty is higher compared to other companies and the addition of specialized coverage options for appliances that are typically included in a standard plan may increase the policy cost. Policyholders have the option to purchase the warranty either monthly or annually.
TotalProtect Home Warranty
TotalProtect Home Warranty offers comprehensive protection for a range of appliances and other home components, with a focus on convenience and affordability. The company offers three policy options that allow homeowners to choose the level of coverage that best meets their needs, with premiums starting as low as $230 per year. With the option to customize your policy using TotalProtect’s online calculator, and no requirement for a home inspection, it’s easy to find a plan that fits your needs and budget.
However, it’s important to be aware that TotalProtect’s service fees are higher than the industry average, which has resulted in some criticism from customers. Additionally, there are many customer complaints about the company online, which could be a concern for some potential customers. Nevertheless, TotalProtect’s 180-day recall period is one of the longest in the industry, and their 30-day money-back guarantee can give you peace of mind when choosing a home warranty.
Guide to the Best Home Warranties for Appliances
Main things to know before purchasing a home appliance warranty
Before purchasing a home appliance warranty from a home appliance insurance company, it is important to understand what type of coverage is available and what appliances are covered. It is also important to consider the cost of the warranty, the deductible and any exclusions or limitations. A good home appliance warranty should provide comprehensive coverage for all major appliances, as well as flexible coverage options.
How much does a home appliance warranty cost?
The cost of a home appliance warranty can vary, depending on the coverage options you choose and the number of appliances you need to cover. On average, home appliance warranties cost between $400 and $600 per year. Some home warranty companies also offer different plan options, such as a basic plan, a systems plan or a combo plan, which can affect the cost of the warranty.
What appliances do home warranty companies cover?
Most home warranty companies cover major appliances such as refrigerators, dishwashers, washing machines and dryers. Some home warranty companies may also cover additional appliances, such as air conditioning systems, water heaters and garbage disposals. It is important to check with each home warranty company to see what appliances are covered by their specific plans.
Some covered items may include:
- Ceiling fans, including attic fans
- Clothes dryers
- Clothes washers
- Ice makers
- Trash compactors
- Doorbells
- Air conditioners
- Kitchen appliances
- Stand-alone freezers
Which appliances are not covered by home warranty companies?
Home warranty companies typically do not cover appliances that are considered to be pre-existing conditions or appliances that are beyond their normal wear and tear. Some appliances that may not be covered include built-in microwaves, cooktops, HVAC systems and garage door openers. It is important to check with each home warranty company to see what appliances are not covered by their specific plans.
How does a home appliance warranty work?
A home appliance warranty works by covering the appliance repair cost when they break down due to normal wear and tear. When an appliance breaks down, you will typically pay a service call fee to the home warranty company, and they will send a service technician to your home to diagnose and repair the problem. If the appliance cannot be repaired, the home warranty company will cover the replacement costs. The amount of home warranty coverage and the specific appliances that are covered will vary depending on the home warranty plan you choose.
Home Warranty FAQs
Is a home appliance warranty worth it?
How much is the deductible on a home appliance warranty?
Are there any exclusions to a home appliance warranty?
What kind of home appliance warranty is available for my home?
There are a variety of home appliance warranty options available to homeowners, including basic plans that cover major appliances such as refrigerators, dishwashers and washing machines, as well as comprehensive plans that cover a wider range of appliances and systems such as air conditioning and electrical systems.
It is important to carefully review the coverage options and determine the best home appliance insurance that is the best fit for your household needs. It's important to note that any product by a home warranty provider works in addition to the manufacturer's warranty or any extended warranty the product might have.
How We Chose the Best Home Warranties for Appliances
To determine the best home warranties for appliances, we conducted a thorough review of the leading providers in the industry. We evaluated the coverage options, exclusions and costs associated with each provider, as well as the reputation and customer service ratings of each company. We also considered the level of coverage offered, including both basic and comprehensive coverage plans, as well as any additional coverage options that were available.
In addition, we looked at the different levels of coverage offered by each provider, the service call fee and deductible, the process for filing a home warranty claim and the response time for repairs and replacements.
In conclusion, the best home warranties for appliances can provide peace of mind for homeowners by covering the cost of repairs or replacements for common household appliances. It is important to carefully review the terms and conditions of a home appliance warranty before purchasing one, and to determine which provider and coverage options best meet your needs and budget. Whether you are a homeowner with a new or older home, or are looking for an insurance policy to protect against unexpected home repairs, a home appliance warranty can be a valuable investment.
