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Updated Mar 22, 2023
Updated Mar 22, 2023
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A home appliance warranty—sometimes called home appliance insurance—is an annual contract covering expensive repair and replacement costs for your home’s major appliances and systems. A home appliance warranty takes the stress out of appliance maintenance by covering unexpected breakdowns.
Our experts reviewed 60+ home warranty companies based on more than 40 key factors to rank the best home appliance insurance companies. All cost estimates are based on quotes for a single-family 2,000-square-foot home in Raleigh, N.C.
Before buying a policy from one of the best appliance warranty companies, you should compare different home warranty companies and ensure that you’re comfortable with the one you select. To save you time, House Method’s experts researched for you. We called some of the best home warranty companies, asked them the tough questions, and negotiated prices to determine how low they would go.
Brand | Our Take | Appliance-Only Plan Option | Average Monthly Cost* | Service Fee | States Covered | Claim Response Time | Years in Business |
Choice Home Warranty | Best Appliance Coverage | No | $51 | $85 | 49 | 24–48 hours | 14 |
Liberty Home Guard | Most Trustworthy | Yes | $75 | $65–$125 | 48 | 48 hours | 5 |
Select Home Warranty | Most Cost-Effective Plans | Yes | $43 | $60 | 47 | 48 hours | 10 |
American Home Shield | Best Customizable Plans | No | $58 | $75–125 | 49 | 48 hours | 51 |
Priority Home Warranty | Best Workmanship Guarantee | Yes | $48 | $70 | 23 | 24 hours | 8 |
The Home Service Club | Quickest Service | No | $57 | $95 | 49 | 24–48 hours | 13 |
*Average monthly cost is based on quotes for a single-family 2,000-square-foot home in Raleigh, N.C.
We selected Choice Home Warranty (CHW) as our top choice for home warranty appliance insurance. Choice scored 4.9 out of five stars in our rating system for its comprehensive appliance protection options, 24/7 customer service team, and generous annual coverage caps of up to $3,000 on essential home appliances.
Choice Home Warranty is a seasoned home warranty provider with 14 years of experience in the home services industry. The Basic Plan and the Total Home Plan have ample coverage on appliances, including a dishwasher, oven, microwave, toilet, garbage disposal, dryer, washer, refrigerator, and more, for around $51 per month. Both of Choice Home Warranty’s plans also cover major home systems.
Pros
Cons
The Basic Plan covers 14 essential home appliances and systems, and the more comprehensive Total Plan covers the same 14 major appliances and systems plus four additional important ones for a total of 18 inclusions. Both plans have an $85 service fee and an average cost of $51 per month, which is about the industry average. Although the service call fee may seem high, the lower premiums combine with broad coverage to justify the price.
Choice Home Warranty’s plan options:
Plan | Cost Per Month | Cost Per Year | Service Fee |
Basic Plan | $47 | $564 | $85 |
Total Plan | $55 | $660 | $85 |
Get a quote: Get a free quote from Choice Home Warranty online or call 929-400-6164.
Learn more: Read our Choice Home Warranty Review
We scored Liberty Home Guard (LHG) with 4.5 out of five stars and named it the most trustworthy home warranty provider for appliance coverage. LHG boasts positive online feedback and high customer satisfaction scores from past and current policyholders, reflecting its commitment to transparent business practices. Reviews across verified customer feedback platforms like Trustpilot and the Better Business Bureau (BBB) praise LHG for its quick response times and low claim denial rates.
Pros
Cons
Liberty Home Guard has three plan options: Appliance Guard, Systems Guard, and Total Home Guard. Appliance Guard covers 11 appliances, Systems Guard covers nine systems, and Total Home Guard combines the two plans to cover 20 major home appliances and systems. Liberty offers a coverage cap of $2,000 per appliance per contract term and allows customers to get protection on pro-series appliances. The pricing of these plans is higher than home warranty policies typically offered by other providers, but Liberty Home Guard has a more affordable service fee of $75 per visit.
Liberty’s plan options:
Plan | Cost Per Month | Cost Per Year | Service Fee |
Appliance Guard | $49.99 | $499 | $75 |
Systems Guard | $54.99 | $549 | $75 |
Total Home Guard | $59.99 | $599 | $75 |
Get a quote: To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
Learn more: Liberty Home Guard Review
Our experts rated Select Home Warranty (SHW) with 4.8 out of five stars, naming it the most affordable appliance home warranty option. Select combines one of the lowest deductibles industry-wide ($60) with stackable new joiner discounts and relatively average premiums. Those who sign up for coverage through Select will benefit from free roof-leak coverage (a $99 value), two months of free service when you opt to pay annually, and an additional $150 off any plan.
Pros
Cons
Select Home Warranty splits its base coverage into three plan types: Bronze Care, Gold Care, and Platinum Care. Whereas Bronze Care only offers coverage for appliances, Gold Care is designed to cover home systems exclusively. The Platinum Care plan, on the other hand, is a catch-all coverage option that combines the inclusions of Bronze and Gold plus three other coverage items. Select also offers optional coverage riders for an additional fee.
Select Home Warranty’s plan options:
Plan | Cost Per Month | Cost Per Year | Service Fee |
Bronze Care Plan | $42 | $504 | $75 |
Gold Care Plan | $42 | $504 | $75 |
Platinum Care Plan | $46 | $552 | $75 |
Get a quote: Get a free online quote from Select Home Warranty or call 888-370-3953.
Learn more: Select Home Warranty review
We gave American Home Shield (AHS) 4.7 out of five stars, specifically recognizing the customizability of its plan options. AHS offers three plans to provide home appliances and systems coverage, plus optional add-on items. This provider allows its policyholders to choose their service fee of $75 to $125. Customers can also shape their coverage around one of three plan options and eight add-ons.
Pros
Cons
AHS offers three different options for home warranty plans: ShieldSilver, ShieldGold, and ShieldPlatinum. The latter two offer appliance protection, but ShieldPlatinum covers all of what’s included in the other two plans, plus roof leak repairs, a free annual HVAC tuneup, and higher coverage caps. ShieldGold and ShieldPlatinum offer coverage on laundry and kitchen appliances with annual limits of up to $3,000 on some items. With the ShieldPlatinum plan, your appliances are protected for up to $6,000 and have coverage that expands beyond normal wear and tear to cover maintenance negligence.
ShieldPlatinum is the most popular plan because it offers comprehensive coverage for $74.99 per month. AHS’s three service call fees are $75, $100, and $125. Your monthly premium will change depending on the service fee you choose.
AHS plan options:
Plan | Cost Per Month | Cost Per Year | Service Fee |
ShieldSilver | $35–$50 | $420–$600 | $75–$125 |
ShieldGold | $45–$60 | $540–$720 | $75–$125 |
ShieldPlatinum | $75–$90 | $900–$1,080 | $75–$125 |
Get a quote: Get a free quote from American Home Shield or call 888-365-2839.
Learn more: American Home Shield review
House Method rated Priority Home Warranty with a score of 4.3 out of 5 stars, commending its technician flexibility, user-friendly live status update features, and overall affordability. Priority lost a few points for being a younger company than its competitors and for its lack of service in California, Florida, New York, Texas, and Washington.
Headquartered in Miami, Priority made its debut in the home warranty marketplace in 2014, quickly becoming a leading provider soon after. It offers two stand-alone appliance and system base plan options and one catch-all policy level as a more comprehensive solution for customers seeking broader protection.
Pros
Cons
Priority Home Warranty offers three base plan options: Systems Home Care, Appliance Home Care, and Total Home Care. Systems Home Care covers a total of eight built-in systems like your air conditioning and plumbing. Appliance Home Care includes nine major appliances, from your kitchen refrigerator to ceiling and exhaust fans. Homeowners looking for more comprehensive protection should consider Total Home Care, which rolls both plans into one for simultaneous appliance and system coverage at an affordable rate.
Priority’s plan options:
Plan | Cost Per Month | Cost Per Year | Service Fee |
Systems Home Care | $43.75 | $495 | $75 |
Appliance Home Care | $43.75 | $495 | $75 |
Total Home Care | $55.00 | $600 | $75 |
Get a quote: Contact Priority Home Warranty today to get a free quote.
Learn more: Priority Home Warranty review
Our experts rated The Home Service Club (HSC) with 4.6 out of five stars, awarding most of its points for prompt claim turnaround times and short waiting periods. HSC only requires new policyholders to abide by a 10-day waiting period before filing their first claim, whereas most of its competitors require an average of 30 days. HSC also doesn’t require a home inspection before getting protection, allowing you to access your coverage sooner.
Pros
Cons
HSC has two plan options: The Standard Coverage Plan and the Comprehensive Coverage Plan. Standard Coverage is considered the basic plan option, but it’s anything but basic. It comes with coverage on 18 appliances and systems. Comprehensive Coverage is even broader and covers 27 total major systems and appliances. The Home Service Club has a few service fee options from $65 to $125.
HSC’s plan options:
Plan | Cost Per Month | Cost Per Year | Service Fee |
Standard Coverage | $50.40 | $649.95 | $65-$95 |
Comprehensive Coverage | $62.90 | $799.95 | $65-$95 |
Get a quote: Fill out this online form to get a free quote from The Home Service Club.
Learn more: The Home Service Club Review
Appliance insurance, or a “home warranty,” is a service contract agreement covering the costs to repair or replace your appliances when they inevitably break down. When a refrigerator, washer, or oven has a breakdown, repair or replacement costs range from several hundred to a couple of thousand dollars. With a home warranty, you’ll only have to pay a service fee when a major appliance breaks down. Home appliance insurance can save you money and offer you peace of mind that you won’t have to pull from your savings to cover home maintenance.
Here are some common major appliances that are covered under home appliance insurance:
Appliance | Average Lifespan | Cost to Repair | Cost to Replace | Potential Savings |
Air conditioner | 15–20 years | $347 | $5,413 | $1,500 |
Built-in microwave | 8 years | $125 | $408 | $1,485 |
Clothes washer | 12 years | $310 | $1,250 | $1,466 |
Cooktop | 13–15 years | $220 | $770 | $1,607 |
Dishwasher | 12 years | $150 | $1,000 | $1,683 |
Dryer | 13–14 years | $250 | $1,075 | $1,466 |
Furnace | 16–25 years | $285 | $4,249 | $1,500 |
Garage door opener | 10–15 years | $221 | $510 | $1,485 |
Garbage disposal | 10 years | $196 | $456 | $1,037 |
Range | 14–19 years | $150 | $1,675 | $1,607 |
Refrigerator | 14 years | $310 | $1,925 | $1,306 |
Water heater | 8–12 years | $546 | $1,065 | $1,037 |
Home warranty providers typically offer policies covering home systems and major home appliances. The protected systems are air conditioning, heating, ductwork, plumbing, and electrical. Most home warranty companies have three levels of coverage options: a basic appliances plan that covers appliances and major systems, a combo plan that includes additional coverage like a Whirlpool bathtub or a clothes washer and dryer, and optional add-on coverage for special features like a pool, spa, or guest house.
Appliance insurance will cost between $25 and $67 per month or $300 to $650 per year for a basic appliance coverage plan. You can expect to pay between $50 and $75 per month for more comprehensive plans that include coverage for home systems.
In addition to this monthly premium, you’ll likely pay a trade service call fee (similar to a deductible) that ranges from $75 to $125 whenever you contact the home warranty company for a home service.
The overall cost of your home appliance insurance will vary by state, the company you purchase coverage from, and the level of coverage you buy.
Most homeowners find that a home warranty pays for itself within one to two appliance breakdowns. House Method found that across the 67+ leading providers we’ve analyzed and reviewed, a standard home warranty costs $601.86 per year on average.
Suppose the unexpected occurs, and the motor in your clothes dryer stops working. A single dryer motor repair can cost up to $450. Replacing the entire appliance will cost around $1,700. By investing in that $601.86 premium for home warranty coverage, you’ve saved that initial payment and easily $1,000+, no matter the seriousness of the appliance failure.
Sometimes appliances and systems in your home stop working without warning. You’ll want a fix as quickly as possible, and with a home warranty in place, you’ll be able to get help right away. The video below explains how a home warranty works and how to file a claim when you have an appliance breakdown.
Before buying insurance for appliances in your home, there are various factors to consider, such as home warranty coverage, pricing, customer service, and more. Here are a few factors to consider when searching for a home protection plan:
There are three home protection plan options to cover household appliances’ costly repairs and replacements: a home warranty, homeowners insurance, and a manufacturer’s warranty. Sometimes the names can get confusing, so here’s everything you need to know about all three plans.
With the many different names, getting home appliance insurance can be difficult. To make it simple, “home warranty,” “home appliance warranty,” and “home repair insurance” are all the same things. The policies outlined in this guide are all home warranty providers that can offer appliance insurance coverage. Getting home appliance coverage can be confusing, but under this type of plan, many items are covered without the hassle of having different contracts.
A manufacturer’s warranty is a guarantee from an appliance manufacturer—such as Samsung, Frigidaire, or GE—that its product will perform as advertised for a specific amount of time, typically one to 10 years. However, some manufacturers might cover expensive components—such as a motor—under an extended warranty for a longer period.
Feature | Appliance Insurance | Manufacturer’s Warranty |
Required? | Optional | Optional |
Cost | $25–$67 per month | Up to $125 per product per year |
Coverage | Covers most home systems and appliances | Only covers registered appliances and electronics |
Exclusions | Age or brand doesn’t matter, but companies are not liable to match the brand, dimensions, or color. | Only covers the registered brand name and specific model at the time of purchase |
Coverage Length | 12 months with the option to renew | 1–2 years unless you buy an extended warranty |
Other Factors to Consider | Transferable between seller and buyer at closing | Non-transferable between buyer and seller during a home sale |
Homeowners insurance companies protect your home in the event of theft or natural disasters like a tornado or fire. Unlike appliance insurance, a homeowners insurance policy is required by mortgage lenders before you can close on a house. Both policy types have a deductible, and appliance insurance warranties without deductibles are few and far between.
Homeowners’ insurance covers structural and property damage in perils, liability if someone is injured on your property, property lost through theft or damage, and short-term housing costs if your home becomes uninhabitable due to damage or disaster.
Appliance Insurance | Home Insurance | |
Required? | Optional | Required |
Cost | $25–$67 per month | $600–$2,000 per year |
Coverage | Most home systems and appliances | Structural damage, theft, liability, and short-term housing costs |
Exclusions | Coverage is limited to items explicitly written into the contract that break down due to normal wear and tear. | Coverage is limited to perils—such as natural disasters and theft—named by the insurance policy. |
Coverage Length | Renew coverage annually or pay in monthly installments | Premiums are bundled with mortgage payments. |
Other Factors to Consider | Coverage caps at a certain dollar amount, so the provider may not pay for the full cost of the repair or replacement. | There’s a set deductible that you’re responsible for paying before the insurance company. |
Yes, getting a policy with one of the best appliance insurance companies is worth the investment. These home protection plans save customers thousands of dollars and give homeowners peace of mind. When a covered item breaks under your plan, you can rest assured that an expert will handle the problem as quickly as 24 hours. Some customers have even reported same-day appointments.
Additionally, a home warranty offers homeowners access to a network of local professionals. Instead of nagging your neighbor for the name of their plumber again or spending hours reading home warranty reviews of technicians online, your home warranty provider will schedule an appointment with a local and licensed contractor in your area.
Home appliance insurance via a home warranty is a wise investment at any time during homeownership. Still, appliance coverage can be especially lucrative for homeowners looking to buy or sell their homes. Failures and malfunctions can happen at any time, and often when you least expect them to.
Sellers who opt for a home warranty before listing their home gain financial protection against breakdowns that may occur while their property is on the market. On the other hand, prospective home buyers tend to feel more confident in a home covered by appliance insurance, knowing that they’re shielded from any maintenance expenses that might arise around the corner.
When selecting a home warranty provider for your home appliances, House Method recommends going with Choice Home Warranty, American Home Shield, or Select Home Warranty. Going with one of these providers will save your wallet and give you peace of mind if one of your major appliances needs a repair or replacement.
Since each company offers different coverage options and monthly premiums, be sure to look into the different plans offered by each provider and choose the one that best fits your needs.
An American Home Shield home warranty is well worth the cost and offers some of the best appliance protection on the market. AHS’s ShieldPlatinum covers up to $6,000 per home appliance per year, nearly double what any other home warranty company offers. AHS also offers protection beyond what other companies may deny, like unknown pre-existing conditions or lack of maintenance.
Most home experts say an extended appliance warranty is rarely worth the cost. An extended warranty typically costs around $200 and only offers protection on one item. In most cases, the appliance won’t need a repair beyond the cost you paid for the entire service agreement, creating a cost-to-value loss. A home warranty is a better option because it only costs around $50 per month and protects over 30 of your home’s appliances and systems.
Items and scenarios not covered by appliance insurance include:
An extended appliance warranty and a home warranty are not the same. An extended warranty is a continuation of an appliance’s manufacturer’s warranty, which usually adds an extra one to three years of limited protection. Extended warranties also only apply to that one individual item. A home warranty, however, is a form of renewable coverage, usually offered in 12-month terms, that can be used to protect nearly all appliances and systems in the home simultaneously. Appliance-only home warranties are also available through several leading providers.
At House Method, transparency and trust are our most important values for the reader.
To create this rating system, our team spent hours researching more than 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 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:
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