Best Refrigerator Warranty (2024 Guide)

Monthly cost: $49–$59

We recommend Liberty Home Guard (LHG) for its three specialized plan options that include refrigerator coverage. The company also has 42 add-ons with unique coverage options, including refrigeration-specific add-ons such as in-fridge ice makers, second refrigerator units, stand-alone freezers, and wine coolers.

Liberty Home Guard offers three plan options: Appliance Guard, Systems Guard, and Total Home Guard. Two of these plans, Appliance Guard and Total Home Guard, cover kitchen refrigerators with ice makers and built-in displays. The Appliance Guard offers protection for major appliances such as refrigerators and a $2,000 coverage cap. The Total Guard plan offers the same cap plus combined coverage for systems and appliances. 

We reviewed the LHG sample contract and learned that coverage includes all mechanical components and parts for the refrigerator and any freezer components that affect refrigerator functionality. Ice makers also fall under this coverage, and the company includes a 60-day workmanship guarantee for its repairs, which is twice the industry standard. 

Below is an overview of Liberty Home Guard’s home warranty plans:

• Appliance Guard: This appliance-only plan protects nine major appliances, including clothes washers, kitchen refrigerators, and ranges. 
• Systems Guard: This system-only plan covers six built-in systems, such as cooling, heating, and water heaters. 
• Total Home Guard: This comprehensive plan combines the Appliance Guard and Systems Guard coverage. 

LHG’s pricing is midrange when compared to other reviewed providers. However, the company doesn’t offer flexible service call fees like other providers. Instead, LHG assigns a fee ranging from $65–$125 based on your selected plan, location, and chosen add-ons. Our service call fee wasn’t revealed when we ran a sample quote. 

Here’s a breakdown of LHG costs and coverage caps:

LHG offers the most extensive add-on catalog in this review. Most home warranty companies offer eight to 10 options on average. Refrigerator add-on options include Pro Series refrigerator coverage for $24.99 per month or second refrigerator protection for $7.99 per month. You can also add wine cooler/fridge coverage for $11.99. 

Here are a few other add-on options offered by LHG:

• Freestanding ice maker coverage
• Stand-alone freezer coverage
• Water dispenser water line coverage

The BBB recently updated LHG’s rating to NR (or “Not Rated”) and added a Pattern of Complaints alert in March 2024. According to the notice, LHG has received increased complaints since 2023 regarding “the claims process, customer service, and sales tactics.”

The BBB contacted LHG on March 11 to request cooperation in resolving these complaints. LHG responded on March 12 and said that “new software upgrades are currently being deployed which are intended to facilitate the communication regarding the scheduling of technician appointments and streamlining the claims process. In addition, the company reports that it’s increasing its customer service headcount, and augmenting the training sessions and oversight for its sales representatives.

We contacted LHG regarding this issue, and the company provided the following statement:

“Despite the BBB’s alert, our customer satisfaction levels remain by far the highest relative to our scale. Last month, we had the lowest percentage of customer cancellation requests in our entire history. On the BBB’s own platform, Liberty Home Guard has achieved a star rating of 4.5 out of 5 from nearly 2,500 reviews. For added context, the approximately 480 resolved complaints on Liberty Home Guard’s BBB profile equate to an extremely low fraction of a percentage relative to the size and scale of our total customer base. As we navigate this situation, which we believe will be resolved in time, we want to assure you that we remain committed to our customers and their satisfaction; they are the key stakeholders we orient all our efforts around.”

LHG remains a standout provider due to its higher customer review scores despite this recent BBB update. It averages a 4.5 out of 5-star rating or higher on most third-party review sites. 

We discovered customers had mixed feelings for the company after reviewing dozens of LHG reviews. Many customers praised the accessible customer service team and simplified claims process. However, several reviewers claimed that LHG doesn’t properly disclose its depreciation clause in its contract, leading to lower-valued payouts.

Monthly cost: $39–$89

We recommend American Home Shield (AHS) for homeowners who want comprehensive coverage for their refrigerators and other key systems and appliances. It’s a good option for older homes since it includes protection for items with preexisting conditions and physical damage, which is rare among home warranty companies. 

American Home Shield offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. Only two plans, ShieldGold and Shield Platinum, cover appliances. ShieldGold covers major home systems and appliances, such as refrigerators. You receive a $2,000 appliance limit alongside $5,000 for system coverage. The ShieldPlatinum increases appliance coverage to $4,000 and includes extra perks such as roof-leak repairs and HVAC tune-ups. 

The company covers conditions and damages often excluded by other providers. Coverage includes improper maintenance, installation, modification, repairs, and physical damage. It also covers preexisting conditions, and all repairs include a 30-day workmanship guarantee. 

However, American Home Shield’s coverage does have some limitations. Reviewing the AHS sample contract informed us that the company’s standard coverage is restricted to kitchen refrigerators, which means that you won’t have protection for secondary or specialty refrigerators or freezers.

Here’s an overview of American Home Shield’s plans:

• ShieldSilver: This plan specifically covers major home systems, including heating, cooling, and electrical.
• ShieldGold: The next plan covers major systems and appliances, including cooktops, refrigerators, and water heaters.
• ShieldPlatinum: The highest plan tier includes ShieldGold protections plus added benefits, including roof-leak repairs and HVAC tune-ups.

AHS charges slightly higher for its coverage plans than other reviewed providers. The company offers a flexible service fee model where you can adjust your monthly premiums. There are two service fees: $100 and $125. Our premiums lowered and vice versa when we changed the fees on our sample quotes.

Here’s an overview of AHS’s monthly premiums and caps:

AHS offers six add-on options and no option for additional refrigeration protection.

Here’s a few off its popular add-ons:

• Electronics protection plan
• Pools and built-in spa equipment coverage  
• Septic pump coverage

Our team member has an AHS plan and tested the claims process to repair a leaky bathroom pipe. After submitting his online claim, he received immediate text and email confirmations. A service technician connected with him five minutes later to schedule a next-day appointment. The repairs were completed in two hours, and he only had to pay the service call fee.

According to the customer reviews we analyzed, customers appreciate the company’s efficient claims process and helpful technicians. However, some noted several denied claims for covered items. Others stated that several technicians were required to complete their repairs.

Monthly cost: $44–$47

We recommend Select Home Warranty for homeowners who are on a budget and have recently purchased a refrigerator that requires limited coverage. Select offers three plans priced under $50 and complimentary roof leak coverage with every plan.

Select offers three plan options: Bronze Care, Gold Care, and Platinum Care. Consider either the Bronze Care or Platinum Care options for refrigerator coverage. The Bronze Care plan covers major home appliances and includes kitchen refrigerator coverage. The Platinum Care plan enables you to receive coverage for both systems and appliances with the same coverage caps.

According to Select’s sample contract, all appliances receive a $500 coverage cap. This is well below most providers and provides limited coverage for major repairs. We recommend considering your refrigerator’s age and condition before choosing with Select. The company covers all components necessary for the appliance’s functionality but excludes sealed systems. Select also offers a 30-day workmanship guarantee. 

Below is a breakdown of Select’s available coverage plans:

• Bronze Care: This appliance-only plan includes clothes washers, cooktops, and refrigerators.
• Gold Care: This plan protects six major home systems, such as air conditioning, electrical systems, and water heaters.
• Platinum Care: Its highest plan tier offers comprehensive protection of appliances and systems and adds garage door openers, plumbing stoppages, and ceiling fans.

Along with some of the lowest premium pricing in this review, Select also offers low service call fees between $60 and $75. Similar to LHG, service call fees are assigned to accounts. We discovered that Select’s lower service call fee is only available as a deal offered over the phone.

Here’s an overview of Select’s monthly pricing and coverage caps:

Select offers nine add-on options, which is average for most home warranty providers. Unfortunately, there are no add-on options for additional refrigerators outside the kitchen. Select offers one add-on for stand-alone freezers. You receive $400 worth of coverage for $3.33 per month.

Some of the company’s other popular add-ons include coverage for central vacuums and septic pumps.

We spoke with Select’s customer service representatives and learned that the company prefers to handle plan issues and claims over the phone. According to online reviews, Select’s claims process is user-friendly and simple. However, some customers complained about poor customer service, long wait times, and frequent denied claims.

Monthly cost: $45–$85

We recommend First American Home Warranty for homeowners who need higher coverage for high-end appliances or multiple refrigeration appliances. The company offers up to $7,000 coverage for refrigerators and three add-on refrigeration options.

First American offers three plans: the Starter, Essentials, and Premium plans. Reviewing the First American sample contract told us that each plan covers the following types of refrigerators:

• Built-in kitchen refrigerator/freezer unit
• Built-in combination of an all-refrigerator unit and an all-freezer unit
• Freestanding kitchen refrigerator/freezer

The Starter and Essential plans include coverage for a mix of home appliances and systems. Both plans cover refrigerators up to $3,500 per claim. The Premium Plan increases refrigerator limits to $7,000 per claim. All plans include 30-day workmanship guarantees for repairs. 

The First American Advantage upgrade, bundled within its Essential and Premium plans, covers repairs resulting from improper installations and modifications. This upgrade package also covers refrigerant recapture and removal and free disposal of appliances the company is replacing.

Here are more details on First American’s plans:

• Starter Plan: The plan offers a mix of appliance and system coverage and includes cooktops, heating systems, and refrigerators.
• Essential Plan: The next plan extends Starter Plan coverage to more items such as air conditioning, clothes washers and dryers, and water heaters.
• Premium Plan: The highest plan includes Essential Plan items and adds luxury appliances, roof leaks, and window air conditioning units.

First American plan pricing is slightly higher than the other providers, putting it closer to AHS. The company offers flexible service call fees, with options for $75, $100, or $125. 

Below is a breakdown of First American pricing and coverage caps:

First American offers 12 add-on options priced from $2.08–$20.83, which is midrange compared to other providers. You can add up to three additional refrigeration appliances for $4.17 each. Covered appliances include additional refrigerators, freestanding freezers, freestanding ice makers, wet bar refrigerators, and wine refrigerators. You can add the First American Advantage upgrade to the Essential and Premium plans at no charge. 

We’ve listed additional add-on options below:

• Limited roof leak coverage
• Septic tank pumping/system coverage
• Water softener coverage

One of our team members had a positive experience with First American when he needed to repair a broken garage door opener. He submitted a claim on a Friday and received a text with the technician’s information within 30 minutes. The technician contacted him to schedule a repair appointment for the following Monday. The tech completed the repairs in less than 30 minutes, and our team member only had to pay the service call fee.

We also read First American customer reviews to compare homeowners’ experiences. Homeowners commended First American for its skilled technicians and prompt claims processing, but several expressed dissatisfaction with faulty repairs and the use of low-quality replacement parts.