House Method researches, reviews, and recommends warranties of all kinds. Affiliate Disclosure
The average refrigerator lifespan is nine to 13 years old. For your refrigerator, it may soon be time for professional repairs or a replacement under a refrigerator warranty. But did you know that there are several types? Which one offers the best coverage?
We’ll explain your options and how a home warranty from Choice Home Warranty makes refrigerator repairs and replacements affordable.*** Keep reading for the benefits of a home warranty and how to find better coverage for your kitchen appliance.
For a free quote for a home warranty, call 848-237-1565 or answer a few questions about your home online.
There are several plans and contracts that cover your refrigerator and offset the costs of repairs or replacements. These include a manufacturer’s warranty, homeowner’s insurance, refrigerator insurance, extended warranties, and home warranties.
There are mandatory warranties and optional warranties. A manufacturer’s warranty is a contract that comes with the product, and it is normally included in the sales price. It repairs or replaces only parts that match the exact brand and model.
This type of warranty is normally limited to one year for full coverage, including all parts and labor. After one year, manufacturer warranties typically only cover a specific part.
Below are a few examples of refrigerator warranties that exist for current brands.
|Manufacturer’s Refrigerator Warranty Comparison by Brand|
|GE Café™ Series ENERGY STAR® 27.8 Cu.||Limited 1-year entire appliance;
Limited 5-year sealed refrigerating system
|Samsung ENERGY STAR® 25.5 cu.||Limited 1-year on entire appliance;
Limited 5-year on sealed system;
Limited 10-year on parts and 5-year on labor for digital inverter compressor
|Kenmore Elite 75043 24 cu.||Limited 1-year on entire appliance;
Lifetime on storage bins
|Frigidaire Gallery 26.8 cu.||Limited 1-year on entire appliance|
|LG 28 cu. ft. Smart Wi-Fi Enabled InstaView™ Door-in-Door® Refrigerator||Limited 1-year on entire appliance;
Limited 5-year on sealed system and compressor;
Limited 6-year to 10-year on linear compressor (parts only)
Homeowner’s insurance is mandatory when you have a mortgage. Unlike other refrigerator warranties, which are not insurance policies but rather warranties or service contracts, homeowner’s insurance protects against property damage that may occur in the future, such as a natural disaster or theft. For example, a tornado that damages your home and therefore damages your Whirlpool refrigerator is a valid claim for a repair or replacement.
Regular wear and tear is not covered by homeowner’s insurance. This is why many households decide to supplement homeowner’s insurance with an extended warranty or a home warranty.
“Refrigerator insurance” doesn’t completely exist, but you may hear this term when others refer to homeowner’s insurance for a refrigerator or a type of warranty that covers a refrigerator.
An extended warranty is a service contract that you can purchase to cover your individual home appliance after the manufacturer’s warranty runs out. It is an extra charge not included in the price of the appliance, and it covers damage caused by regular wear and tear.
When you purchase an extended warranty for a refrigerator, you pay a monthly or one-time fee that goes toward any repairs or replacements that year. They usually have an annual payout cap, but you will only have to pay the service fee at the time of repair unless the repair costs more than the payout.
Extended warranties typically last one year but can be renewed. Since they are an extra cost, it is important that you don’t pay for an extended warranty while the manufacturer’s warranty is still active.
A home warranty (sometimes called home appliance insurance, though it’s not insurance) is a service contract that covers major home systems, like plumbing and electrical, as well as major appliances. For a monthly fee normally under $100 per month, you can protect multiple systems and appliances at once.
For some consumers, home warranties and extended warranties are seen as a waste of money. Why not save that money each month and take the chance? Rafi Mohammad, founder of Culture of Profit and contributor to the Harvard Business Review, believes that these types of warranties have real value:
First, they allow consumers to avoid the anxiety and financial loss of an unexpectedly high repair bill. Second, if a product breaks, consumers do not have to invest time to search for a company to undertake the repairs … Finally, extended warranties mitigate the concern of being “ripped off” on the repair, because service companies have an incentive to fix the problem efficiently. Bottom line: There’s value in being able to sleep well at night.”
It is comforting to know that an expensive refrigerator repair can be rectified with a small service fee and monthly payment through a service provider. Home warranties offer many benefits to customers:
There are several common problems that you’re likely to experience with any refrigerator:
Depending on the severity of the issue, repairs and part replacement can hit your wallet hard. The cost of repair doesn’t end at parts. You have to pay for professional labor, too. Here are just a few examples of the average cost for certain refrigerator repairs:
Below are some examples of pricing for specific refrigerator parts by brand:
After adding necessary labor fees, it is easy to see why a home warranty is cost-effective. The annual cost of your warranty could be comparable to just one of these fixes.
For comprehensive home appliance coverage and excellent service, we recommend Choice Home Warranty as the top provider. Get a refrigerator warranty in addition to coverage for your dishwasher, water heater, plumbing system, and more.
You can cover your refrigerator through the Total Plan and Optional Coverage, which includes protection for a second refrigerator at an extra charge.*
|Total Plan Coverage||Optional Add-Ons|
Garage door opener
Limited roof leak
Septic tank pumping
Though a home warranty has generous coverage, there are still exclusions for certain refrigerator parts, as well as appliances that have been neglected or poorly maintained.
Included—All components and parts, including integral freezer units
Excluded—Lighting and handles, racks, shelving, ice makers, line restrictions, leaks, wine coolers, doors and hinges, and Internet connection components
Customers with refrigerators that include audio/visual and Wi-Fi enabled components may have a harder time finding coverage than other customers. It is also important to note that your refrigerator must be located in a kitchen. For a more detailed view of coverage, you can read the sample user agreement.
We choose Choice Home Warranty as our favorite provider for home appliance warranties because of the value that they bring to customers.
Customers also agree in their reviews that Choice Home Warranty is a quality provider:
“I’ve only submitted two claims but both were scheduled technician visits [within] 24 hours. The technicians were extremely professional, they were very friendly, and extremely technically competent. So glad I picked Choice Home Warranty.” – Joseph, December 2018
“My refrigerator temperature control was allowing my refrigerator side to freeze the food. I called Choice and they sent a company to check it out. The company has ordered the part and will repair it as soon as the part arrives.” — Ada, July 2018
“Efficient prompt service. Very understanding and courteous associates who seem to be concerned about customer needs. Very grateful and impressed with results. Thank you.” — Anne, August 2018
Covered under Bronze Care (home appliances) and Platinum Care (systems and appliances)
A refrigerator warranty from the manufacturer doesn’t last forever. Whether you have one or two refrigerators in your home, a home warranty is the best way to protect yourself financially.
No. Even though home warranties don’t always require a home inspection, pre-existing conditions will not be covered, whether they are known or unknown. Your home appliances must be well-maintained, therefore rust and other signs of neglect are also not covered.
You can expect to pay between $25–$67 each month for a home warranty. Service fees normally cost between $75–$125 for most providers.
Read more: Compare providers for yourself with our guide to the best home warranties.
You can submit a claim online. The company will then contact a local, licensed service professional and contact you to schedule an appointment.
Choice Home Warranty will pick up your claim in less than 48 hours (or four days if it is a weekend or holiday).** If the claim is an emergency, service may begin earlier.
The time for repair depends on the local contractor and part availability at the time of the claim. However, many customers are satisfied with the quick process.
If you sign up for coverage from Choice Home Warranty, your coverage will begin 30 days after your application is accepted and the contract fee is paid.
Yes. Many homeowners and real estate agents include home warranties when selling their homes. A home warranty can give potential buyers some peace of mind that appliances and home systems are protected, especially if they are buying an older home with older appliances.
The provider currently has a B- rating from the Better Business Bureau. However, it is not BBB accredited.
*Terms and conditions apply. Review complete limits of liability and any exclusions. CHW offers service contracts which are not warranties.
**See policy for specifics on response times.
***CHW reserves the right to offer cash back in lieu of repair or replacement in the amount of CHW’s actual cost (which at times may be less than retail) to repair or replace any covered system, component or appliance.
****In the event a claim is denied, and a customer seeks to have Us review that denial, We have the right to request routine maintenance records in reviewing its decision.
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