February 2026
TOP HOME APPLIANCES INSURANCE COMPANIES

A home appliances warranty is a service agreement that covers the cost of repairing or replacing household appliances that break down due to normal wear and tear. It helps homeowners avoid unexpected repair bills and ensures quick, professional service when something stops working.

A home appliances warranty covers the repair or replacement of covered appliances, such as refrigerators, ovens, washers, and dryers, when they fail from everyday use. Homeowners insurance covers damage from events like fire, theft, or natural disasters but does not pay for appliance breakdowns caused by normal wear and tear.

Most plans include major kitchen and laundry appliances such as refrigerators, freezers, ovens, cooktops, ranges, microwaves, dishwashers, washing machines, and clothes dryers. Some plans may also cover smaller or specialty appliances for an additional fee.

Most warranties exclude pre-existing conditions—problems that were present or should have been known before your coverage began. Some providers may offer limited coverage for issues that could not have been detected during an inspection.

Yes, many providers offer coverage for older appliances, though certain age or condition restrictions may apply. Some plans may charge higher service fees for very old or heavily used units.

The annual cost typically ranges from $200 to $500, depending on the number and type of appliances you want to cover. Service fees per claim usually range from $75 to $125.

You can file a claim online or by phone with your warranty provider. They will arrange for a licensed technician to inspect and repair the appliance. If the issue is covered, you’ll pay only the service fee.

Most plans allow multiple service requests, but each appliance may have an individual payout limit per year. Check your policy for coverage caps and exclusions.

Many providers require you to use their approved repair network, but some allow you to choose your own licensed technician, subject to approval and reimbursement rules.

Coverage usually begins 30 days after your purchase. Some providers may offer immediate coverage if you are renewing or transferring from another warranty plan.

Yes, many providers offer optional add-ons for items like stand-alone freezers, wine coolers, garbage disposals, or outdoor kitchen appliances.

These warranties are ideal for homeowners with older or high-end appliances, landlords who want predictable repair costs, or anyone who prefers professional repairs without unexpected expenses.