Best Home Warranty for High-End Appliances (2024)
Even luxury appliances will eventually break down due to wear and tear or other common malfunctions. Plus, luxury appliances often offer new features and technologies that standard models don’t, and this can cause product failure or a lack of necessary replacement parts. Having a home warranty plan that assists with the repair and replacement of high-end appliances can help you maintain your peace of mind if anything goes wrong.
We researched and rated the best home warranty companies in the nation and narrowed it down to four that offer the best protection for high-end appliances. Our guide outlines plans, coverage, and cost information for our recommended providers to help you protect your elegant cooktops, advanced dishwashers, and state-of-the-art garbage disposals.
Did You Know?
- In the last 30 days, more than 2,500 people bought home warranties from the above providers. Liberty Home Guard is our most popular provider, with 55% of buyers choosing to cover their homes with an LHG plan.
Top 4 Best Home Warranty Companies for High-End Appliances
We named the four following companies as the best home warranties for high-end appliances.
- American Home Shield: Best Comprehensive Coverage
- First American Home Warranty: Best for High-End Items
- Liberty Home Guard: Best Customer Support
- Select Home Warranty: Best Budget Plan Option
Summary of Top Home Warranty Companies for High-End Appliances
Our top picks offer solid home warranty coverage plans for appliances. We also considered coverage limits and plan and service call fee costs. In the table below, we provide at-a-glance information for each of our featured providers.
BBB ratings are accurate as of April 2024.
Note: The pricing data in the table above is a national average based on 120 sample quotes we pulled. We used a 2,000-square-foot, single-family home for our quotes. Your monthly premium may differ based on your home’s size and type, your location, and your plan and add-on selections.
Reviews of the Best Home Warranties for High-End Appliances
American Home Shield
Best Comprehensive Coverage
AHS offers a generous $2,000 coverage cap per covered high-end appliance in the ShieldGold plan. AHS increases the appliance limit to $4,000 per appliance in its ShieldPlatinum plan. AHS customers can even cover multiple properties through their plans. AHS’s flexibility and ability to provide coverage across multiple appliances and locations make it a solid choice for owners of high-end appliances.
Provider review: American Home Shield review
Provider sample contract: American Home Shield sample contract directory
Pros and Cons
Pros
- Covers preexisting conditions and improper installations
- Includes items with corrosion, rust, and sediment damage
- Provides three coverage plans and two service call fees
Cons
- Doesn’t offer a plan for appliance-only coverage
- Limits add-ons to five options
- Restricts premiums to monthly only
Plans and Coverage
AHS provides three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. You also have the option to build your own plan. You can choose between a $100 or $125 service fee. Picking a higher fee decreased our monthly costs. Each plan includes a 30-day workmanship guarantee.
| Plan | Monthly Cost | Service Fee |
| ShieldSilver | $49.99–$59.99 | $100–$125 |
| ShieldGold | $69.99–$79.99 | $100–$125 |
| ShieldPlatinum | $99.99–$109.99 | $100–$125 |
Plan Costs
AHS does not offer annual premiums with its plans. Other providers offer monthly and annual options and typically include additional discounts and free months of service with the annual option.
AHS’s monthly pricing is as follows:
- ShieldSilver ($29.99–$39.99 per month): Its lowest plan includes home-system-only heating, cooling, and electrical coverage.
- ShieldGold ($49.99–$59.99 per month): The next tier covers major systems and appliances, including water heaters and plumbing lines.
- ShieldPlatinum ($79.99–$89.99 per month): This plan includes ShieldGold coverage plus additional perks, including up to $1,500 for roof-leak repairs.
- Optional add-ons: Add-on options include electronics, guest units, pools/spas, septic pumps, and well pumps.
First American Home Warranty
Best for High-End Items
FAHW offers a few benefits that will attract high-end appliance owners. It offers a solid $3,500 limit on high-end appliances with its Starter and Essential plans. It increases its high-end appliance limit to $7,000 per appliance in the Premium Plan. The company offers a 30-day workmanship guarantee, provides additional coverage for up to three extra refrigerators, and allows you to choose your service call fee.
Provider review: First American Home Warranty review
Provider sample contract: First American Home Warranty sample contract
Pros and Cons
Pros
- Doesn’t set an age limit for covered systems and appliances
- Includes unlimited coverage caps on cooling, heating, and ductwork
- Offers up to a $7,000 appliance coverage cap on its highest plan
Cons
- Doesn’t allow you to choose your technician
- Excludes roof-leak coverage
- Lacks coverage for home systems under its basic plan
Plans and Coverage
First American Home Warranty provides three plan options: the Starter Plan, the Essential Plan, and the Premium Plan. Homeowners can opt for a $75, $100, or $125 service call fee for their plan. Its Starter and Essential plans include a $3,500 coverage cap, and the Premium Plan covers up to $7,000. The Premium Plan is applicable for high-end appliances. Every plan includes a 30-day workmanship guarantee.
| Plan | Monthly Cost | Service Fee |
| Starter Plan | $45.00–$60.00 | $75–$125 |
| Essential Plan | $55.00–$70.00 | $75–$125 |
| Premium Plan | $70.00–$85.00 | $75–$125 |
The Essential and Premium plans also include the First American Advantage upgrade, which covers the following items:
- Refrigerant recapture, reclaim, and disposal
- Removal services for appliances and systems
- Up to $250 for a building permit
- Fees associated with cranes and other lifting equipment
- Repairs and replacements on items that malfunction due to improper maintenance or installation
Plan Costs
We received quotes for both annual and monthly plan premiums. Expect to pay between $480 and $960 for annual premiums. First American offers no bonus perks for choosing an annual plan.
FAHW’s monthly pricing is as follows:
- Starter Plan ($47–$62 per month): This plan covers built-in microwaves, dishwashers, ductwork, electrical systems, heating, plumbing systems, ovens/cooktops, plumbing stoppages, refrigerators, and toilet tanks, bowls, and mechanisms.
- Essential Plan ($57–$72 per month): This plan includes everything in the Starter Plan plus air conditioning, ceiling/attic/exhaust fans, clothes washers, clothes dryers, the First American Advantage upgrade, garage door openers, trash compactors, and water heaters.
- Premium Plan ($72–$87 per month): This plan covers all items in the Essential Plan plus full garage door systems, instant hot water dispensers, luxury appliances, shower heads and arms, and window air conditioning units.
- Optional add-ons: Add-ons include additional refrigeration, air conditioning for the Starter Plan, HVAC tune-ups, limited roof-leak coverage, pool and spa equipment, septic tank systems and pumping, water softeners, and well pumps. First American offers limited roof-leak coverage for less than $9 per month.
Liberty Home Guard
Best Customer Support
LHG provides a $2,000 coverage cap per covered item. It also includes an extended 60-day workmanship guarantee per completed repair. That means Liberty Home Guard will repair your pro-series appliance again without charging you a service call fee if it breaks down within 60 days of a repair.
Provider review: Liberty Home Guard review
Provider sample contract: Liberty Home Guard sample contract
Pros and Cons
Pros
- Includes a 60-day workmanship guarantee
- Maintains high customer review scores on BBB and Google Reviews
- Provides 38 add-on options for its plans
Cons
- Does not offer discounts for choosing an annual premium
- May take up to 48 hours to respond to a claim
- Lacks transparency with service call fee pricing options
Plans and Coverage
Liberty Home Guard offers three plans: Appliance Guard, Systems Guard, and Total Home Guard. You can purchase pro-series appliance coverage in each plan. Liberty Home Guard’s base plan doesn’t cover luxury or professional series appliances; however, it offers it as optional add-on coverage. LHG prices its pro-series appliances from $9.99 to $24.99 per month.
The company’s service call fees fall between $65 and $125. Our team spoke with a representative who said the company assigns your service call fee based on your plan, add-ons, and location.
| Plan | Monthly Cost | Service Fee |
| Appliance Guard | $49.99 | $65–$125 |
| Systems Guard | $54.99 | $65–$125 |
| Total Home Guard | $59.99 | $65–$125 |
Plan Costs
You can choose from monthly and annual premium rates for your coverage. Expect to pay between $499 and $599 annually for LHG plans. We learned that LHG doesn’t offer additional discounts or bonus coverage for annual plans.
LHG’s monthly pricing is as follows:
- Appliance Guard ($49.99 per month): This plan offers appliance-only coverage for major appliances, including dishwashers, clothes washers, and refrigerators.
- Systems Guard ($54.99 per month): Your plan includes coverage for built-in systems, such as heating, ductwork, and electrical.
- Total Home Guard ($59.99 per month): The highest plan includes covered items and systems from the Appliance Guard and Systems Guard plans.
- Optional add-ons: LHG offers 38 add-on coverage options, such as pest control, lawn sprinkler systems, floor cleaning, and generators.
Select Home Warranty
Best Budget Plan Option
Although Select offers a relatively low $500 coverage cap per high-end appliance, its Platinum Care plan covers 17 appliances and systems, and customers have two days to file a claim for an item rather than the industry standard of one day. Through its add-ons, Select also provides coverage to more luxury appliances, such as a second refrigerator, a stand-alone freezer, a lawn sprinkler system, and an ice maker.
Provider review: Select Home Warranty review
Provider sample contract: Select Home Warranty sample contract
Pros and Cons
Pros
- Charges less than $50 for monthly premiums
- Includes discounts and free months of service with annual plans
- Provides roof-leak coverage free of charge
Cons
- Doesn’t let you choose your service call fee
- Excludes coverage for unknown preexisting conditions
- Offers lower coverage caps compared to other providers
Plans and Coverage
Select Home Warranty provides three plans: Bronze Care, Gold Care, and Platinum Care. Select charges customers a small service fee of $60–$75. The fee will vary based on how you sign up for coverage. The lower service call fee is only available when you sign up over the phone.
| Plan | Monthly Cost | Service Fee |
| Bronze Care | $44.42 | $60–$75 |
| Gold Care | $44.42 | $60–$75 |
| Platinum Care | $47.75 | $60–$75 |
Plan Costs
You can choose from annual or monthly premium options. Expect to pay between $479 and $524 annually. Our sample annual quote included up to $150 off premium costs and two additional months of coverage for 14 months total.
Select Home Warranty’s monthly pricing is as follows:
- Bronze Care ($44.42 per month): Its appliance-only plan includes major appliances, such as dishwashers, garbage disposals, and clothes washers and dryers.
- Gold Care ($44.42 per month): The system-only plan includes major home systems, such as heating, plumbing, electrical systems, and air conditioning.
- Platinum Care ($47.75 per month): The highest plan combines the Bronze and Gold Care coverage plus additional items, such as garage door openers and luxury appliance coverage.
- Optional add-ons: Add-ons include central vacuums, lawn sprinkler systems, pools, septic systems, stand-alone freezers, sump pumps, and well pumps.
Why Should You Cover Your High-End Appliances?
Buying a home warranty is a wise investment for any homeowner, but especially those who own high-end appliances. A home warranty can assist in providing coverage for expensive home items that homeowners insurance may not cover.
We recommend reading your service contract to see which of your luxury appliances can be added to your home warranty. Pay extra attention to the fine print regarding coverage caps, which may stipulate that high-end appliances are not subject to the same reimbursement rates as lower-end appliances. If your replacement exceeds the coverage cap or reimbursement rate determined by your provider, you will be responsible for the difference. You’ll want to confirm that the coverage caps on appliances make sense for your budget.
You are typically able to contact these companies 24/7 and access a specialized contractor who understands the advanced technology of your luxury appliance. Overall, home warranty coverage on your high-end appliances guarantees you receive the right service promptly and for a fair price.
What Is the Best Home Warranty for High-End Appliances?
We recommend American Home Shield as our top choice for high-end appliances due to its comprehensive coverage options. We also like First American Home Warranty for its generous appliance coverage limits. Liberty Home Guard offers outstanding customer service and a 60-day workmanship guarantee. We also recommend Select Home Warranty due to its low monthly fees.
We recommend pulling quotes from multiple providers so that you can compare coverage options and costs for your area. Read each provider’s sample contract to understand coverage exclusions and limitations.
FAQs About Home Warranty Appliance Coverage
What’s the difference between home warranty appliance coverage and an extended appliance warranty?
Extended appliance warranties and home warranty companies provide similar protection for individual appliances. While an extended appliance warranty can only cover one appliance, a home warranty can protect multiple appliances.
Is the cost of high-end appliance home warranty coverage worth it?
If you own high-end or professional-grade appliances, choosing to cover them with your home warranty is, in most cases, worth it. Higher-end appliances are more expensive to replace, and specialized repair technicians are often difficult to retain on short notice without the help of a home warranty provider.
Do home warranties cover appliance replacement costs?
Some home warranty policies cover high-end appliances but not all. All of the companies we’ve featured in this article offer comprehensive coverage for appliances, including high-end appliances.
Note that many providers do not guarantee replacement appliances will match the style, color, brand, or even dimensions of the appliances they are replacing. Read your home warranty contract and clauses closely to determine the policy’s precise coverages and limitations.
Do home warranties cover preexisting issues?
Few providers cover preexisting issues when it comes to major home appliances. However, American Home Shield provides coverage for preexisting conditions not evident in basic inspections, improperly installed appliances, and corrosion or rust damage. Some exceptions may apply, so review the policy details carefully and contact your agent for further clarification.
Related Resources
Our Rating Methodology
We We back up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, cost, trustworthiness, plan transparency, customer support, and flexibility to arrive at a final score on a 5-point rating scale.
To share feedback or ask a question about this article, send a note to our team at reviews@thisoldhousereviews.com.
