In today’s modern homes, appliances are no longer just luxuries—they are essentials that make daily living more convenient and efficient. From refrigerators and washing machines to air conditioners, microwaves, and dishwashers, home appliances simplify tasks and improve comfort. However, these devices are also expensive to purchase and repair. A sudden breakdown or damage can lead to unexpected costs that strain your budget. This is where home appliance insurance packages come in.
Home appliance insurance, sometimes called extended warranty coverage, appliance protection plans, or home warranty insurance, helps safeguard your appliances against mechanical breakdowns, electrical failures, accidental damage, or wear and tear, depending on the plan. With the right package, you don’t have to worry about costly repairs or replacements when things go wrong.
In this article, we’ll explore what home appliance insurance covers, why it matters, and highlight some of the best insurance packages for home appliances available today.
Why Home Appliance Insurance Matters
Before diving into the best packages, it’s important to understand why insuring your home appliances is a smart financial move.
- High Replacement Costs – Appliances like refrigerators or washing machines can cost hundreds, if not thousands, of dollars. Insurance cushions you from the full replacement cost if your device suddenly stops working.
- Unexpected Repairs – Repairs often come unannounced. With coverage, you can call for professional repair services without worrying about the bill.
- Extended Lifespan of Appliances – Regular maintenance and covered repairs ensure appliances last longer.
- Peace of Mind – Knowing that your major household devices are protected gives you peace of mind and confidence in managing your home.
What Home Appliance Insurance Covers
While coverage varies by provider, most packages typically cover:
- Mechanical or electrical breakdowns
- Power surges and voltage fluctuations
- Normal wear and tear issues
- Repairs and servicing costs
- Replacement (if the appliance cannot be fixed)
Some advanced packages also offer:
- Accidental damage protection (drops, spills, etc.)
- Coverage against theft or fire (in comprehensive home plans)
- Emergency service calls
Best Insurance Packages for Home Appliances
Now, let’s break down some of the top providers and their standout packages:
1. American Home Shield (AHS)
Why it’s great: AHS is one of the most trusted names in home warranty services, offering comprehensive protection for both systems (like plumbing and HVAC) and appliances.
Coverage highlights:
- Covers a wide range of home appliances including refrigerators, ovens, dishwashers, washers, and dryers.
- Offers flexible service fee options ranging from $75–$125 per call.
- Includes coverage for older appliances, regardless of age.
Pros:
- Nationwide service availability in the U.S.
- No appliance age limit.
- Reliable 24/7 customer service.
Cons:
- Monthly plans can be pricey.
- Certain repairs require additional fees.
Best for: Homeowners seeking broad appliance and system coverage with a reputable provider.
2. Choice Home Warranty
Why it’s great: Known for affordability, Choice Home Warranty offers straightforward coverage at competitive prices.
Coverage highlights:
- Covers major appliances like refrigerators, microwaves, washers, dryers, and air conditioners.
- Offers emergency service repairs at no additional cost.
- Plans usually cost $40–$55 per month.
Pros:
- Budget-friendly packages.
- 24/7 claims processing.
- Simple contracts with fewer exclusions.
Cons:
- Limited customization options.
- Not available in all states.
Best for: Budget-conscious homeowners looking for affordable appliance protection.
3. First American Home Warranty
Why it’s great: This company specializes in hassle-free appliance repairs with quick service response times.
Coverage highlights:
- Includes kitchen appliances, washers, dryers, and more.
- Affordable monthly premium starting at around $36.
- Covers items regardless of brand or age.
Pros:
- Transparent pricing.
- Excellent coverage for kitchen appliances.
- Free coverage for certain add-ons during promotions.
Cons:
- Does not cover pre-existing conditions.
- Limited coverage in certain areas.
Best for: Families that rely heavily on kitchen appliances.
4. Cinch Home Services
Why it’s great: Cinch stands out with its 180-day workmanship guarantee, which is longer than most competitors.
Coverage highlights:
- Covers refrigerators, ovens, washers, dryers, dishwashers, and built-in microwaves.
- Offers emergency repair reimbursement up to $500.
- Coverage starts at $34.99 per month.
Pros:
- Long guarantee on repair work.
- Reimbursement for unexpected lodging expenses if your home becomes uninhabitable.
- Clear service contract terms.
Cons:
- Higher service call fees ($100–$150).
- Limited coverage for luxury appliances.
Best for: Homeowners who value workmanship guarantees and long-term protection.
5. Select Home Warranty
Why it’s great: Select offers affordable premiums with plenty of seasonal promotions and discounts.
Coverage highlights:
- Appliance plan covers refrigerators, washers, dryers, dishwashers, and stoves.
- Combo plans also include systems like HVAC and plumbing.
- Monthly premiums start as low as $35.
Pros:
- Competitive pricing.
- Free roof leak coverage (unique offering).
- Frequent discounts for annual plans.
Cons:
- Not as flexible in choosing contractors.
- Some claims may take longer to process.
Best for: Homeowners looking for cost-effective, bundled coverage.
6. Asurion Appliance+
Why it’s great: Asurion, widely known for phone insurance, also provides appliance protection plans.
Coverage highlights:
- Covers nearly all major home appliances, regardless of brand or age.
- Offers coverage for mechanical and electrical failures.
- No long-term contracts—cancel anytime.
Pros:
- Nationwide network of professional technicians.
- Flexible, appliance-specific coverage.
- Easy-to-manage claims via app.
Cons:
- May not cover accidental damage in base plans.
- Limited availability outside the U.S.
Best for: Renters and homeowners who want brand-flexible, no-commitment plans.
7. Manufacturer Extended Warranties
Why it’s great: Many appliance manufacturers (like LG, Samsung, and Whirlpool) offer extended warranty coverage at the time of purchase.
Coverage highlights:
- Repairs and replacements handled directly by certified brand technicians.
- Usually includes parts and labor coverage.
- Cost varies by brand and appliance but is often cheaper than third-party providers.
Pros:
- Brand-certified repairs ensure quality.
- Direct access to original parts.
- Seamless claims process.
Cons:
- Limited to a single brand.
- Shorter duration than third-party plans.
Best for: Shoppers buying new appliances who want peace of mind directly from the manufacturer.
Factors to Consider When Choosing Appliance Insurance
When selecting the best insurance package, consider:
- Coverage Scope – Does the plan cover all your major appliances, or just select ones?
- Cost vs. Benefit – Balance monthly premiums with potential repair/replacement costs.
- Service Call Fees – Check if you’ll pay extra each time a technician visits.
- Repair Network – Ensure the company uses certified, reliable technicians.
- Claim Limits – Some providers cap repair/replacement costs per year or per item.
- Flexibility – Can you cancel or modify the plan if your needs change?
Conclusion
Home appliance insurance packages provide a valuable safety net for homeowners and renters alike. With rising costs of appliances and unpredictable repair needs, the right insurance plan can save you time, money, and stress.
If you prioritize comprehensive coverage, American Home Shield and Cinch Home Services are excellent picks. For those on a budget, Choice Home Warranty or Select Home Warranty offer affordable yet reliable plans. Meanwhile, if you prefer brand-specific care, a manufacturer’s extended warranty might suit you best.
Ultimately, the best insurance package for home appliances depends on your budget, the appliances you own, and the level of protection you want. By comparing providers and carefully reviewing coverage terms, you can choose a plan that ensures your appliances—and your peace of mind—are well protected.
