The 5 Best Home Warranty Companies for High-End Appliances (2022)

By Jon Jachura

Home warranties are the best way to cover yourself from unplanned repairs or replacements of your high-end appliances. You can get a home warranty policy that covers your high-end appliances by choosing one with high limits and coverage caps. All major home warranty companies offer plans that cover high-end appliances.

Best Overall

  • 4.9 out of 5 stars
  • Superior cost-to-coverage ratio
  • Emergency servicing available
Most Cost-Effective

  • 4.8 out of 5 stars
  • Lowest service fee
  • Free roof leak coverage
Most Customizable

  • 4.7 out of 5 stars
  • 50+ years in business
  • Pick-your-own service fee

You might falsely think your homeowner’s insurance could cover some damages. But that is almost always incorrect. So, even with the best home insurance policy, you’ll still be stuck paying hundreds to thousands of dollars in repair or replacement costs for your appliances out of your savings. That’s why home warranty plans are essential – they can save you lots of money and stress.

However, finding the best home warranty provider for you and your home can be a challenge. So, we researched the best brands around and made a top five list. We review and vet each home warranty company with a fine-tooth comb to ensure they have the best coverage and service for high-end appliances.

Why Trust House Method

  • 63 companies reviewed
  • 41 key factors analyzed
  • 2583 data points parsed
  • 885 homeowners surveyed
  • 57 service contracts scrutinized

House Method’s Experts collected and analyzed 2000+ critical data points to identify what makes a great home warranty company in the eye of the consumer. Our reviews team used this data to assess over 60 home warranty providers for coverage extent, annual cost, and national availability to provide unbiased reviews so homeowners can confidently navigate key decisions about their homes.

The Best Home Warranty Companies for High-End Appliances in 2022

High-end appliances are becoming a staple in many homes. As such, home warranty policies that have enough coverage and a network of experienced service techs are essential.

Not all home warranty companies and individual plans cover the same items nor have the same coverage caps and limits. So, getting the best one for your home is crucial. The top-performing providers have fair monthly fees, high coverage caps, low service call fees, several optional add-ons, and good customer support.

To help you find the best home warranty for your home with high-end appliances, we did the research and made this top five list based on the factors above.

  1. Choice Home Warranty – Most comprehensive coverage
  2. Select Home Warranty – Best overall for high-end systems
  3. American Home Shield – Best customizable plans
  4. The Home Service Club – Fastest service
  5. Liberty Home Guard – Most trustworthy

1. Choice Home Warranty

Choice Home Warranty (CHW) is our top pick of home warranty companies for high-end appliances. It is well-rounded for homes with high-end appliances with its large coverage caps, affordable pricing and service call fees, and several plan options for add-ons. Plus, it offers three plan levels that homeowners can select to get the coverage they need.

CHW has over 15 years of industry experience and plenty of knowledge with all sorts of appliances. It is a favorite choice among homeowners, landlords, real estate agents, and home buyers because of its great appliance coverage and easiness to work with. Low service call fees, no required inspections, and plenty of extra add-ons are some key advantages of Choice Home Warranty.

Choice Home Warranty offers its plans in all U.S. states besides WA.

Best Overall

  • 2 plans available + optional add-ons
  • Has over 11 years of industry experience
  • 90-day repair guarantee
  • $46–$55 per month with $85 service fee

Key Highlights

  • Large coverage caps for high-end appliances
  • No inspection is required before the plan starts
  • Optional add-ons for additional appliances

Plans, Cost, and Coverage

Choice Home Warranty has two home warranty policies along with many optional add-ons that provide coverage for all the home systems and appliances in your home.

  • The Basic Plan ($45 per month / $560 per year): Entry-level plan for a lower cost; covers and protects 14 home appliances and systems like refrigerators, ovens, toilets, kitchen appliances, ductwork, plumbing systems, and more.
  • The Total Plan ($53.33 per month / $660 per year): CHW’s comprehensive plan with the most covered appliances and systems – protecting 18 items in total, which include clothes washer, clothes dryer, air conditioning systems, plumbing systems, hot water heaters, stove tops, dishwashers, along with everything from the Basic Plan.
  • Optional Add-Ons ($40-$180 per year): Nine add-on options for septic systems, sump pumps, standalone freezers, wells, spas, septic tank pumping, pools, and limited roof leaks.
  • Services Fees: $85

For a no-charge CHW home warranty quote, call 929-400-6164 or complete the online form here.

And if you want to learn even more about this home warranty provider, read our full Choice Home Warranty review.

2. Select Home Warranty

Select Home Warranty (SHW) is one of the best home warranty companies for homes with high-end appliances. It has three home warranty policies and a handful of optional add-ons for homes of all shapes and sizes. On average, you will pay less for service call fees than other providers when you have a home warranty repair or replacement.

Select Home Warranty is in great standing with its customer base. It has a good 3.8/5 star rating with Trustpilot and a solid B rating with the Better Business Bureau (BBB). Plus, several positive ratings elsewhere.

Customer reviews note the company has affordable pricing, stellar customer service, great coverage, and fast service for repairs and replacements.

Select Home Warranty has over 10+ years in business and provides its home warranty plans to 46 U.S. states. It is currently unavailable in NM, NV, WA, and WY.

Most Cost-effective Plans

  • 3 plans ranging from $52-$58 per month + optional add-ons
  • Provides free roof leak coverage
  • Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos
  • Affordable service fee of $60

Key Highlights

  • Lower than average service call fees
  • 90-day workmanship guarantee
  • Add-on extras for more appliances

Plans, Cost, and Coverage

SHW has three home warranty plans – a good, better, and best option. The best option has the most covered items and highest coverage caps.

  • The Bronze Care Plan ($58 per month / $630 per year): Covers eight of the most essential home appliances and systems, including your dishwasher, clothes washer, clothes dryer, stove, cooktop, oven, built-in microwave, refrigerator, and garbage disposals.
  • The Silver Care Plan ($57.67 per month / $630 per year): Provides coverage for 16 home systems and appliances, including your air conditioning unit, electrical, plumbing, heating system, water heaters, ductwork, and all eight items from the Bronze plan.
  • The Gold Care Plan ($62.08 per month / $699.99 per year): Covers your garage door openers, plumbing stoppages, ceiling fans, and all other items the Bronze Care and Silver Care Plans cover.
  • Optional Add-Ons ($39.99-$99.95 per year): Optional coverage homeowners can add for ice makers, central vacuum systems, stand-alone freezers, light fixtures, wells, electrical outlets, electrical switches, septic systems, sump systems, sprinkler systems, second refrigerators, spas, pools, and roof leak repair.
  • Service Fee: $75 to $125, location dependent

Get a free quote from Select Home Warranty by completing this form or calling 888-370-3953.

For more details and specifics about the company and its coverage, read our full Select Home Warranty review.

3. American Home Shield

American Home Shield (AHS) is another top home warranty option for homes with high-end appliances. Plus, it has the most experience in the industry with more than 45 years in business and 1.3 million+ customers.

Each of AHS’s three plans has high coverage caps. Coupled with its optional add-on, homeowners with high-end appliances can ensure they get all the coverage they need.

American Home Shield has a perfect A+ rating on the Better Business Bureau and many positive reviews online. It provides home warranty policies in every U.S. state except AK.

Best Customizable Plans

  • 3 plans + add-ons and the option to build your own plan
  • Customers can choose the service fee they want to pay
  • Provides generous coverage caps
  • $35–$75 per month

Key Highlights

  • Large coverage caps of $3,000 or $6,000 (depending on the plan)
  • Several optional add-ons for more items
  • Single plan with coverage of 33 home systems and appliances

Plans, Cost, and Coverage

American Home Shield has three plans with varying amounts of coverage as well:

  • SheildSilver ($29.27- $44.27 per month / $347.88 – $527.88 per year): Covers 19 critical home appliances and systems, electrical systems, AC units, heating systems, HVAC systems, smoke alarms, attic fans, garbage disposals, plumbing system, water heater, and more.
  • ShieldGold ($39.27 – $54.27 per month / $467.88 – $647.88 per year): Covers a total of 21 home appliances and systems, including dishwasher, refrigerator, microwave, oven, clothes washer, clothes dryer, and almost all the items the SheildSilver plan covers.
  • ShieldPlatinum ($59.27 – $74.27 per month / $711.88 – $891.88 per year): Provides coverage for 27 home items – includes all items in ShieldSilver and ShieldGold plans plus automatic roof leak coverage.
  • Optional add-ons: A la carte optional coverage for septic systems, sump pumps, water backup overflow, spas, pools, guest houses (<750 square feet), and more.
  • Service Fee: $75, $100, or $125

For a no-charge home warranty quote from American Home Shield, fill out its online form or call 888-365-2839.

To learn all about American Home Sheild and its home warranty plans, read our full review.

4. The Home Service Club

With The Home Service Club’s (HSC) great customer service and comprehensive coverage, it’s no surprise that it is a top home warranty company for homes with high-end appliances. It has plenty of optional add-ons for additional appliances like extra refrigerators and freestanding freezers.

HSC has two home warranty plans – a base level plan and a more comprehensive one that covers 33 home appliances and systems. Plus, it has the fastest waiting periods of all home warranty companies. All it takes is just ten days after signing for your plan to start, compared to the 30-day industry average. Faster waiting periods are better because you can use your coverage sooner if something fails.

HSC offers several optional add-ons to pair with its plans, allowing homeowners to get full coverage for everything they need. One unique advantage of the Home Service Club is that it provides home warranty plans in every state.

Quickest service

  • Offers 2 plans + optional add-ons for over 10 items
  • Covers items regardless of their age, make, or model
  • Provides high coverage caps on essential systems and appliances
  • Has real estate home warranty plans

Key Highlights

  • Larger than average coverage caps for appliances
  • 24/7 support from customer service
  • Plenty of optional add-ons for additional appliances and home systems

Plans, Cost, and Coverage

The Home Service Club has two home protection plans plus several optional add-ons:

  • Standard Coverage Plan ($50 per month / $650 per year): Provides coverage for eight essential home systems and appliances, including heating systems, AC systems, water heaters, dishwashers, refrigerators, ranges, ceiling fans, cooktops, ovens, and more.
  • Comprehensive Coverage Plan ($62.90 per month / $800 per year): Covers 33 home appliances and major home systems in total, includes all items from the Standard Coverage Plan plus water/waste/gas line leaks, water dispensers, alarm, and telephone wiring, plumbing stoppages, and more.
  • Optional Add-Ons ($3.33 to $16.66 per month): Extra a la carte extras for sewage ejector pumps, sprinkler irrigation, jetted bathtubs, roofs, home service lines, utility, well pumps, water softeners, freestanding freezers, doorbells, and more.
  • Service Fee: $60, $75, or $95

Complete HSC’s online form to get a free home warranty quote that covers high-end appliances or call 800-842-9334.

Read our review of The Home Service Club to learn more about its plans and background.

5. Liberty Home Guard

Liberty Home Guard (LHG) is a fantastic home warranty company for homes with high-end appliances because of its three plans with wide coverage, large coverage caps, and excellent customer support. The company makes it simple to cover every appliance and home system that you need.

Homeowners can select the Total Home Guard Plan, which combines its home system plan with its home appliances plan for the widest coverage. With every plan, the service call fee is $75, much lower than the market average.

LHG ranks well with consumers. It has a near-perfect A rating with the Better Business Bureau and a good 3.9/5 star rating with Trustpilot. Liberty Home Guard is available in 46 U.S. states; residents of Washington D.C., IL, WI, WA, and WY will have to get a plan with another home warranty company.

Most Trustworthy

  • 3 plans ranging $65-$125 with 25+ optional add-ons
  • Has a 60-day workmanship guarantee on all repairs
  • Customer service available 24 hours a day, seven days a week
  • BBB’s only A+ accredited home warranty provider

Key Highlights

  • Customer service is available every hour and every day of the year
  • Several a la carte optional add-ons
  • Lower than average $75 service call fee

Plans, Cost, and Coverage

Liberty Home Guard has three home warranty plans and optional coverage:

  • Appliance Guard ($64.99 per month / $649.99 per year): Covers 11 basic home appliances, including built-in microwaves, dishwashers, garbage disposals, clothes washers, clothes dryers, ranges/ovens/cooktops, ceiling fans, refrigerators, cooktop exhaust fans, and more.
  • System Guard ($69.99 per month / $699.99 per year): protects major systems like water heaters, electrical, toilets, plumbing, plumbing stoppages, ductwork, heating, and air conditioning systems.
  • Total Home Guard ($74.99 per month / $749.99 per year): Combines the two other plans (Appliance Guard and System Guard plans) into a single, cost-effective plan.
  • Optional Add-On Coverage: Extras for pools, spas, light fixtures, locksmith, trash compactor, extra refrigerators, ejector pumps, lawn sprinkler systems, pest control, water softeners, and many more.
  • Service Fee: $75

To get your personalized free quote from Liberty Home Guard, complete this form or dial 866-451-2281.

For more details on the company, jump over to our Liberty Home Guard review.

What is a Home Warranty for High-End Appliances

A home warranty for high-end appliances is a service contract that helps protect you from the costs of repairing or replacing your covered appliances.

Most home warranties cover major appliances like refrigerators, dishwashers, and ovens, as well as systems like plumbing and electrical. Some home warranties also cover garage door openers, pools, spas, and other home features.

If one of your covered high-end appliances breaks down, you can call your home warranty company to schedule a repair or replacement. The home warranty company will send a licensed technician to your home to fix or replace the appliance.

While home warranties can be a great way to protect yourself from the high costs of repairing or replacing your appliances, it’s crucial to understand how your home warranty works.

For example, home warranties all have different coverage caps. If the coverage cap is $2,000 and your refrigerator needs a $3,000 repair or replacement, you will be responsible for paying the difference ($1,000). Since high-end appliances are generally more expensive to repair and replace, getting a home warranty with high coverage caps is essential.

Who Needs a Home Warranty for High-End Appliances

If you have high-end appliances in your home, getting a home warranty is a wise idea. Not only will a home warranty helps protect your finances if something goes wrong with your appliances, but it can also give you peace of mind knowing that you’re covered.

While home warranties are not required, we highly recommend one for homeowners with high-end appliances. Your high-end appliances carry a high price tag, too. So you’ll want to make sure they’re covered in case one breaks down to avoid high out-of-pocket expenses.

What Does a Home Warranty for High-End Appliances Cover?

Home warranties for high-end appliances generally cover major appliances like refrigerators, dishwashers, and ovens. Some home warranties also cover systems like plumbing and electrical. Here is a more comprehensive list of what’s typically covered by home warranties:

  • Refrigerator
  • Dishwasher
  • Oven
  • Stove
  • Cooktop
  • Range
  • Microwave
  • Garbage disposal
  • Washer and dryer
  • Electrical system
  • Plumbing system
  • Water heater
  • Furnace
  • Air conditioner
  • Pool and spa

Some home warranty companies offer additional coverage for items like garage door openers, home theaters, and wine refrigerators. Call your provider if you have questions about what’s covered by your home warranty.

How Much Does a Home Warranty for High-End Appliances Cost?

Home warranties for high-end appliances typically cost between $300 and $600 per year. The exact price will depend on the home warranty company you choose, the coverage you need, and the appliances you want to cover.

Some home warranty companies offer monthly payment plans, making your home warranty more affordable. Be sure to compare pricing, service fees, coverage caps, and covered items when choosing a home warranty company to get the best value for your money.

How Does a Home Warranty for High-End Appliances Work?

When you have a home warranty policy for high-end appliances, using your policy when something breaks down is easy. If one of your covered appliances fails, simply call your home warranty company to schedule a repair or replacement.

The home warranty company will send a licensed technician to your home to troubleshoot the high-end appliance. If they determine it is covered under your home warranty policy, they will repair or replace the appliance.

Here is how the process works step-by-step.

Get a Home Warranty that Covers High-End Appliances

Of course, before you make a claim to your home warranty provider, you need to have a home warranty policy that covers high-end appliances in the first place. But remember, protection plans never cover pre-existing conditions or normal wear and tear.

You can choose from the five companies we recommend above; each has high coverage limits for expensive repairs and replacements. You’ll also want to make sure the home warranty company has good customer reviews and offers robust coverage options.

A High-End Appliance Breaks Down

Once you have a home warranty policy in place, the next step is to wait for one of your appliances to break down (while hoping they never do). Once you have a problem with your refrigerator, oven, or any other covered appliance/system, call your home warranty company.

You Contact the Warranty Provider & File a Claim

After contacting the home warranty company, they will assign a case number to your claim and send a technician.

They Fix It, and You Pay a Service Fee

The technician will then visit your home and assess the failed appliance. If they determine that your home warranty policy covers it, they will fix it. If they can’t repair it, they will replace it with a similar model.

You’re Covered for Future Breakdowns

As long as your home warranty policy is active, you’re covered for future appliance failures. So if your fridge breaks down again or your oven starts acting up, you can simply call your home warranty company, and they will send out a technician to take care of the problem.

Be Aware of Your Policy Limits and Coverage Caps

Home warranties for high-end appliances typically have coverage limits and coverage caps. Coverage limits are the maximum amount your home warranty company will pay to repair or replace an individual appliance or home system.

For example, if your home warranty policy has a $5,000 limit and your refrigerator, oven, and dishwasher all fail the same year and need, for a total cost of $6,300. In that case, your home warranty company will only pay $5,000 total for the year, and you would pay the remaining $1,300.

Frequently Asked Questions About Home Warranties for High-End Appliances

Should I Get a Home Warranty for my High-End Appliances?

Home warranty coverage for high-end appliances is always a good idea. It protects you from expensive repairs or replacements, provides quick service from pre-vetted contractors, and reduces stress knowing your appliances are covered.

Does a Home Warranty Cover All High-End Appliances?

Yes, home warranties for high-end appliances typically cover all major appliances like refrigerators, dishwashers, ovens, ranges, microwaves, garbage disposals, washers, and dryers. Some home warranty companies offer additional coverage for items like extra refrigerators, freestanding freezers, extra dishwashers, and wine refrigerators.

Are There Home Warranties for High-End Appliances?

Yes, most standard home warranty policies cover high-end appliances. As such, you will want to look for plans that cover all your appliances and offer high coverage caps. That way, if one breaks down, you will not have to worry about the cost of repairs or replacements.

Do Home Warranties for High-End Appliances Cover Home Systems too?

Yes, home warranties for high-end appliances typically cover home systems like electrical, plumbing, furnace, air conditioner, and water heater. Some home warranty companies also protect sump pumps, wells, pools, spas, and more.

What is a service fee?

A service fee (sometimes called a deductible) is a small, one-time fee that you pay each time you use your home warranty. This fee goes towards the cost of sending a contractor to your home to diagnose and repair your appliance. Service fees typically range from $50 to $100.

Final Thoughts

A new home warranty for high-end appliances is a great way to protect your investment and save money on expensive repairs or replacements. Be sure to find a policy that covers all your appliances and offers high coverage caps. That way, if one of your appliances breaks down, you will not have to worry about the cost of repairs or replacements.

House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader.

To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.

We developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria. We used a five-point scale with a point index ranging from 0.00 to 1.00. The minimum awardable value is 0.0, whereas 1.00 is the maximum. These numeric points are translated into star ratings, using whole star increments between one and five.

Here is a quick breakdown of our five core scoring categories:

  • Coverage (0.4): This category evaluates the scope of protection offered by a home warranty provider. We clearly distinguished between limited or broad coverage to help homeowners identify their own home protection needs. We also factor in claim turnaround times, average waiting period lengths, plan types, annual coverage limits, policy exclusions, etc.
  • Cost (0.3): This category considers what home warranty companies charge homeowners monthly, annual, and out-of-pocket. We urge homeowners also to consider the cost-to-value ratio of a home warranty plan.
  • Transparency and Trustworthiness (0.15): This category evaluates home warranty providers based on pending or past legal action, hidden fees, lack of information readily available on the website, exclusions, and more. We consider how upfront a company is to its potential policyholders, which says a lot about its products and services.
  • Customer Support and Satisfaction (.09): This category evaluates the efficacy of a home warranty company’s effort to provide supportive guidance to inquiring customers and how policyholders are satisfied with the assistance they receive.
  • Customization (.06): This category evaluates the ability of homeowners to adjust and choose their policy details, such as pricing variation, optional add-ons, and the number of plans available.

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