Best Home Warranty for High-End Appliances

First American Home Warranty offers robust protection for high-end appliances, especially with its Premium Plan, which covers up to $7,000 for most appliances. Laundry appliances have no coverage cap, so you’re not limited by a set amount for repairs or replacements. Plus, if you’ve got secondary refrigeration units such as stand-alone freezers, wine fridges, or wet bars, First American has you covered with an add-on option. And if you’re worried about improper installations or modifications, you can add the First American Advantage upgrade for more protection.

While First American offers comprehensive high-end appliance protection, it’s limited to its most expensive plan only. In addition, the company offers a 30-day workmanship guarantee for any issues that arise with a completed repair at no additional cost. Although 30 days is the industry standard, other providers, such as Elite Home Warranty and AFC Home Warranty, offer longer protection options.

• Includes luxury appliance coverage under its highest-tier plan 
• Offers up to $7,000 for appliance coverage, the highest amount in this review
• Provides add-ons for secondary appliances and extended appliance protection

Keep in Mind

• Doesn’t offer high-end coverage add-ons for its lower plan tiers
• Offers a shorter workmanship guarantee on its repairs than other reviewed providers

When we reviewed First American Home Warranty reviews, we found that many customers were satisfied with the claims process. Several customers said they were assigned technicians within an hour of submitting an online claim. Our team’s tester also reported quick turnaround times, often in under 30 minutes. In addition, reviewers praised the technicians for being friendly, professional, and efficient in completing repairs.

However, we also noticed some negative reviews about delays in the repair process. Some customers noted that appointments were frequently canceled, or that they experienced delays due to unavailable replacement parts. Additionally, a few reviewers expressed concerns about the quality of replacement parts, claiming they were provided with lower-quality components during repairs.

Here’s a sample of First American Home Warranty customer reviews:

“The knowledgeable serviceman quickly diagnosed and explained the issue I was having with my refrigerator. He ordered the necessary parts to correct the problem, and once they arrived, installed them in short order to bring the unit back up to speed. This was the first time I had used First American, and the experience was very satisfying.” —Joseph D. via Trustpilot on Oct. 6, 2024

“Two weeks ago my refrigerator started leaking. [I] called the warranty company and they sent someone out in two days. [The technician] diagnosed it and said he had to order parts. They never follow up or keep you informed. After a week, I called to get an update and they say the parts aren’t in. It is now over two weeks and I have no resolution and no refrigerator. Customer service and follow-up is horrible. I feel like they are ignoring me and always on hold for 30 minutes when I call.” —C. W. via Trustpilot on Oct. 28, 2024

American Home Shield offers appliance protections often excluded by other providers, including coverage for items with preexisting conditions, or issues that existed before coverage begins. The company’s highest-tier plan, ShieldPlatinum, includes $4,000 of appliance coverage, which is lower than the $7,000 limit offered by First American Home Warranty. However, AHS provides broader coverage for damage-related conditions, making it a stronger option for older high-end appliances.

Where AHS falls short is in its secondary-item coverage. The company doesn’t include coverage for secondary appliances in its add-ons. It also excludes specialty refrigerators and stand-alone freezers, which First American Home Warranty and Elite Home Warranty cover. This makes AHS a better option if you need coverage for kitchens and laundry appliances only.

• Covers known and unknown preexisting conditions
• Includes up to $4,000 in appliance coverage under its highest plan, ShieldPlatinum
• Protects items with physical damage, including rust, corrosion, and sediment

Keep in Mind

• Doesn’t offer add-ons for secondary appliance coverage
• Excludes specialty refrigerators and stand-alone freezers from its coverage

After we reviewed customer feedback, we noticed that many homeowners appreciated American Home Shield’s easy-to-use claims process. You can submit a claim over the phone, online, or through the company’s dedicated app. Our AHS tester said that submitting a claim on his phone went smoothly, and that a technician was assigned within minutes of submission. The company’s quick response was a common praise from many users.

However, some customers had concerns about their claim payouts. Several mentioned that the payouts were lower than expected, which they found frustrating. There were also reports of claims being denied, with AHS stating that the issues did not fall under “normal wear and tear” conditions.

Here’s what customers had to say about American Home Shield:

“When our microwave stopped working, we called AHS and a contractor was assigned. The contractor called the same day and diagnosed the issue while on the phone. The contractor ordered the part and called a few days later when the part was available. The contractor installed the part and the microwave works great.” —Scott H. via Trustpilot on Nov. 20, 2024

“Worst service ever. We have used them for years and they have always been slow. But now we have an issue with our refrigerator cooling, and so far it has been two weeks and it is still not fixed. [The] standard response is, ‘We will get back to you in 24–48 hours.’” —R.K. via Trustpilot on Oct. 22, 2024

Unlike other providers that limit high-end coverage to their top-tier plans, Choice Home Warranty (CHW) offers the same $3,000 limit across all its plans. This can offer a good option if you’re looking for a more affordable plan for high-end appliances without sacrificing the coverage you need. CHW offers repair guarantees for 90 days for parts and 60 days for labor, which provide longer protection than competitors such as American Home Shield and First American Home Warranty. CHW also offers add-on coverage for high-end appliances such as stand-alone freezers and secondary refrigerators.

However, CHW only offers a $100 service call fee, while other providers feature multiple options, providing more ways to customize your plan to fit your budget. In addition, CHW is currently involved in a lawsuit with the Arizona Attorney General’s Office over alleged deceptive practices related to claims payouts and contracts. When evaluating home warranty providers and plans, thoroughly research each company’s reputation to make sure it meets your specific needs.

• Includes a $3,000 coverage limit for appliances with every plan
• Offers add-on coverage for secondary refrigeration units
• Protects appliances with a 90-day guarantee on parts and a 60-day guarantee on labor

Keep in Mind

• Excludes audio, visual, and internet components from its coverage
• Offers lower coverage limits for some add-on items

Based on the reviews we read, many Choice Home Warranty customers appreciated the affordable plan options and the professional customer support team. Several reviewers also highlighted the convenience of the company’s online claim system and the prompt follow-up they received during the claims process. 

However, some negative reviews mentioned frequent delays, with customers waiting several weeks for a technician assignment. Our CHW tester also experienced mixed results, with some assignments taking only a few days while others took over a month to get resolved.

We’ve highlighted some Choice Home Warranty reviews below:

“Our washing machine broke down last week. We quickly submitted a claim ticket and had someone checking out the machine within the next three days. The company needed to order a part and the entire repair was taken care of within five days. It was easy, convenient, and quick!” —Steve P. via Trustpilot on Nov. 18, 2024

“I recently had a couple of claims regarding my Electrolux dishwasher and stove. So [Choice Home Warranty] wants to give me $246 for my dishwasher and $350 for my stove. Have they been shopping lately? Maybe I could have replaced them in the 1970s but surely not today considering this name brand is expensive.” —Wanda B. via Trustpilot on Nov. 10, 2024

If you’re looking for extended coverage on appliance repairs, AFC Home Warranty could offer a solid option. With its plan-length workmanship guarantee, you won’t have to worry about paying extra service fees if your high-end appliance requires additional repairs for the same issue. The company offers four home warranty plans that include appliance coverage, which is one of the best customization options available in this review. Plus, AFC Home Warranty stands out by allowing you to choose your own technician, giving you more control over repair speed and quality.

However, AFC Home Warranty’s add-on catalog is more limited compared to other providers, only offering coverage for central vacuums and stand-alone freezers. It also has a depreciation policy for older appliances, which means it will reduce claims payments for appliances that are five years old or older. This can make the company a better fit for homeowners with new appliances who want to avoid depreciated coverage.

• Includes an unlimited workmanship guarantee, the longest in this review
• Lets you choose your own technicians for repairs
• Offers one of the lowest service call fees at $75

Keep in Mind

• Offers fewer add-on options than Elite Home Warranty and First American Home Warranty
• Includes a depreciation policy for items five years old or older

After we reviewed feedback for AFC Home Warranty, we noticed that customers generally appreciated the flexibility to choose their own technician. This is especially helpful when homeowners want more control over the speed and quality of repairs. Many customers also praised the plan-length workmanship guarantee, noting its value when repeated repairs were necessary. For instance, our AFC Home Warranty tester submitted a claim for a leaking toilet. When the initial repair didn’t fully resolve the issue, AFC Home Warranty arranged a follow-up appointment at no additional charge.

Several negative reviews highlighted concerns with the company’s depreciation policy, with many homeowners expressing disappointment that they received lower-than-expected payouts for older items. This is an important consideration for homeowners with older high-end appliances who may need to rely on full reimbursement for repairs or replacements.

We’ve included some AFC Home Warranty reviews below:

“[T]he customer representative I spoke with was very knowledgeable and answered all of my questions until I understood the best program for me. What first caught my attention was the ability to choose my own repair person. Towards the end of the call, he asked me some extra questions which ended up saving me money. I feel pretty confident that I chose the company that best suited my needs.” —Sheila via the Better Business Bureau (BBB) on Aug. 28, 2024

“I can’t get a straight answer about anything. It took days to get a tech out to look at my fridge. They chose to replace the fridge, which was fine, then they low balled me on the replacement reimbursement. Even with the pitiful reimbursement number they can’t seem to cut the check, [and] I have been given multiple stories about where my reimbursement check is.” —Tim M. via the BBB on Oct. 10, 2024

Elite Home Warranty could offer benefits if you’re looking for specialized appliance coverage. With seven add-ons available, including coverage for stand-alone appliances and specialized refrigeration, you can tailor your plan to your specific needs. The Premium Appliance option is a particularly appealing feature by doubling the coverage limits for several appliances, such as refrigerators, ovens, and dishwashers. It also increases the coverage limit for each appliance by $500–$3,000, depending on the item. Additionally, Elite offers a 90-day workmanship guarantee, which is a longer protection period than many competitors, such as Choice Home Warranty.

On the downside, Elite’s service call fee is the highest in this review at $150. This fixed rate applies to all high-end appliance repairs, including after-hours or weekend service calls. Although Elite allows you to choose your technician, it doesn’t extend its workmanship guarantee to cover any repairs done by your selected technician. If your appliance fails after the repair, even within the 90-day window, you must pay another service call fee.

• Includes a 90-day workmanship guarantee with its repairs
• Offers upgrades to increase appliance limits for more coverage 
• Provides seven appliance-focused add-ons, the most in this review

Keep in Mind

• Charges a fixed $150 service call fee for high-end appliance repairs
• Doesn’t offer workmanship coverage for out-of-network technicians

When we reviewed Elite’s online feedback, we noticed that many customers were satisfied with the company’s dedicated claims concierge, which provides a single point of contact for the entire claims process. Homeowners also appreciated the fast response times, with our Elite tester receiving a technician assignment within 30 minutes of submitting an online claim.

However, some negative reviews discussed inconsistencies in response times. Several customers mentioned days-long delays for callbacks, leading to frustration. Additionally, because Elite doesn’t offer an online claims tracking system, many people reported having to repeatedly call for updates. In some cases, repairs were delayed for weeks with little to no communication about the status.

Here’s what homeowners have said about Elite Home Warranty:

“I love Elite Home Warranty. I have had warranties similar to this for 30-plus years. I have never had a company as good as Elite. They generally keep in touch, don’t fight with you about a claim, and stand behind their technicians and policy. Where we are located, a beach area, it is very hard to get service techs. Elite has sent a mobile tech to service our appliances more than five times.” —Lenore K. via the BBB on Oct. 9, 2024

“Our microwave broke and I called the claims department in May of 2024. I had to call again in September because I had not heard back. We were away from home for the summer months, but they never called to schedule a repair day. When we got home I called again and was told the serial number I supplied was for a countertop model and countertop models are not covered. I told them it’s built into the wall above our oven. They asked me to send a picture, which I did. No response. So here we are in mid-October, and still no response.” —Robert H. via the BBB on Oct. 18, 2024