Costco members can purchase a SquareTrade protection plan for new appliances bought in-store or online, offering coverage for repairs and replacements. However, this plan is limited to select appliances purchased through Costco and is only available to members. Unlike full home warranties, SquareTrade does not cover essential home systems such as your HVAC, plumbing, or electrical components. For homeowners looking for robust coverage, we recommend American Home Shield, which offers plans that protect both appliances and major home systems.
We’ll review Costco SquareTrade’s coverage, pricing, and customer feedback and explain how it compares to leading home warranty providers.
Key Takeaways
- Costco members have exclusive access to Allstate protection plans, which covers kitchen and laundry appliances purchased at Costco stores.
- Traditional home warranty plans offer more comprehensive coverage and don’t require exclusive club memberships to sign up.
- Our 2025 home warranty survey found that 70% of homeowners choose a comprehensive plan for both systems and appliances—protection the Costco plan doesn’t offer.
Costco Home Warranty Pros and Cons
Pros
- Has an A+ rating from the Better Business Bureau (BBB)
- No service fees
- Provides 24/7 customer service
Cons
- Covers one appliance or suite instead of multiple home systems and appliances
- Excludes major system coverage
- Limited to Costco members only
State Availability
Costco Home Warranty is available in 49 U.S. states, excluding Alaska. For those living in that state, check out our picks for the best home warranty companies in Alaska.
What Home Warranty Plans and Coverage Does Costco Offer?
Costco offers a variety of plans through its SquareTrade protection plan, which is an Allstate company. These Allstate-backed plans are separated by types of appliances and their associated costs. Each plan covers your appliances for a total of five years—the first two years are covered by Costco Concierge and the remaining three years are covered by SquareTrade extended appliance protection.
Here are the available Costco coverage plans:
Appliance Plan
This plan includes home appliance coverage for a single refrigerator, freezer, washer, dryer, range, dishwasher, or microwave.
Kitchen Suite
A Kitchen Suite protection plan allows customers to cover up to four major kitchen appliances under a single policy. For example, you can bundle coverage for a dishwasher, microwave, and refrigerator, making it a convenient option for protecting multiple appliances at once.
Eligible appliances include:
- Air dressers
- Dishwashers
- Freezers
- Over-the-range microwaves
- Range hoods
- Refrigerators
- Wall ovens
- Wine coolers
However, some appliances are not eligible for this plan. Air purifiers, countertop microwaves, and laundry pedestals are excluded and require separate warranties if coverage is needed. In additon, any items purchased individually must have their own protection plan.
Laundry Suite
With this plan, you can cover a clothes washer and dryer. However, you must purchase each laundry appliance within the same timeframe to qualify for home warranty coverage.
General Benefits
When you purchase a Costco warranty, you gain access to several valuable benefits designed to provide peace of mind and long-term protection. One of the key advantages included with all plans is 24/7 customer support, guaranteeing you have assistance whenever you need it. Warranties also include coverage for electrical and mechanical failures, helping to keep your appliances running smoothly for years to come.
Another important feature is coverage for complex components that may malfunction long after purchase. With full coverage for parts and labor, you won’t have to worry about unexpected repair costs. Plus, there are no deductibles or service fees, making the claims process straightforward and hassle-free.
If a covered appliance requires service, Costco provides on-site repairs or brand-new replacements, never refurbished items. The warranty also offers a convenient online claims process with real-time tracking, allowing you to monitor your request every step of the way.
Coverage Exclusions
Costco home warranty plans are available exclusively to Costco members and come with specific coverage limitations. Plans do not cover accidental damage, intentional damage, loss, theft, physical damage, or normal wear and tear. Additionally, appliances purchased from other retailers are not eligible for coverage under Costco’s plans.
To qualify for protection, customers must purchase a SquareTrade plan within 90 days of buying their appliance. While the plan is transferable to a new owner if you sell your appliance or suite, you cannot transfer it between different items or suites.
Unlike many home warranty providers, the company does not offer system coverage, leaving out essential components such as plumbing, electrical, and HVAC systems. Our 2025 survey of 2,000 home warranty customers found that this type of coverage is a key priority. In fact, 70% of homeowners preferred comprehensive plans that include both systems and appliances. Additionally, 31.8% viewed heating system coverage as essential, 25% prioritized air conditioning protection, and 20% sought coverage for electrical systems.
How Much Does a Costco Warranty on Appliances Cost?
The cost of each Costco warranty will depend on the type of coverage you choose. Here’s a pricing breakdown of each Costco plan.
Appliance Suite | Cost |
|---|---|
|
Appliance (under $1,000) |
$90 |
|
Appliance ($1,000–$2,000) |
$120 |
|
Appliance ($2,000+) |
$160 |
|
Kitchen Suite |
|
|
Kitchen Suite (under $2,000) |
$175 |
|
Kitchen Suite ($2,000–$4,000) |
$300 |
|
Kitchen Suite ($4,000+) |
$400 |
|
Laundry Suite |
|
|
Laundry Suite (under $2,000) |
$175 |
|
Laundry Suite ($2,000+) |
$220 |
How Do You File a Claim With Costco?
If your appliance is covered under an Allstate Protection Plan, you can file a claim online 24/7 through Allstate’s service page or by calling 1-877-897-2283. Phone support is available Monday through Friday from 5 a.m. to 9 p.m. PT and Saturday and Sunday from 6 a.m. to 6 p.m. PT. Have your receipt and appliance details ready when you call.
Most appliances come with a manufacturer’s warranty that lasts between 90 days and one year from the purchase date. If an issue occurs within that period and is covered by the manufacturer, Costco will direct you to the corresponding company for service. However, if the issue isn’t covered by the manufacturer but falls under your Allstate Protection Plan, the plan will handle the necessary repairs or replacements.
Costco Home Warranty Reviews
Costco maintains an A+ rating from the Better Business Bureau (BBB) but is not accredited by the organization. There are limited online reviews specifically mentioning the Costco home warranty. However, the reviews we found about the company’s warranty coverage were mostly negative. Reviewers expressed frustration with poor customer support and the delayed replacement process.
Here’s a sampling of Costco warranty reviews:
“I purchased a TV which came with the extended warranty, but unfortunately, I spent several days speaking with Costco Concierge. [E]ach time, they sent me an email requesting a reply with photos, but their system was down and it was unsuccessful. I spoke with the supervisor, and he did the same… I haven’t gotten my issue sorted yet and still need help… As an executive member I’m so disappointed and frustrated and will never buy electronics from Costco. They don’t care about their customers anymore.” — Ben B. via TrustPilot
“I bought a refrigerator from Costco with White Glove service. The delivery guy broke the hinge when installing it, but we did not discover it right away. It took almost a year and at least a dozen calls to get them out for service. I had to order the parts myself because they kept saying they were out of stock. Now here we are out 17 months on the 2-year warranty, and the fridge is not cooling. It won’t even keep ice frozen. I call them up, and they say it will be 2 weeks before they can get a serviceman out.… I only bought from Costco because of the ‘free extended warranty.’ …I do not recommend Costco or their appliance warranty. Be warned.”— Lorrie G. via Yelp
Costco Home Appliance Warranty: Is It Worth It?
Costco’s appliance coverage is worth considering if you just need protection for a few appliances. However, you must have a Costco membership to take advantage of the plans and add your appliances within 90 days of purchase.
Since Costco’s warranty plans focus solely on select appliances, it may not offer the best fit for homeowners seeking broader protection. If you’re looking for a more comprehensive plan, our recommended home warranty providers below offer coverage for major home systems and appliances.
Compare Home Warranty Providers
Below is our list of the best home warranty companies. The table compares each company based on key factors such as BBB ratings, monthly cost, and service fees, which you owe for each technician appointment.
| Company | Logo | Star Rating | BBB Rating | Monthly Cost | Service Fee |
|---|---|---|---|---|---|
American Home ShieldGet Quote |  | B | $36–$100 | $100–$125 | |
Choice Home WarrantyGet Quote |  | B | $60–$68 | $100 | |
Elite Home WarrantyGet Quote |  | B | $47–$60 | $70 ($150 for after hours and weekends) | |
First American Home WarrantyGet Quote |  | B | $77–$130 | $100–$125 | |
AFC Home WarrantyGet Quote |  | B | $44–$82 | $75–$125 | |
Liberty Home GuardGet Quote |  | NR | $60–$68 | $65–$125 | |
Cinch Home ServicesGet Quote |  | B+ | $54–$68 | $100–$150 |
| Company | BBB Rating | Monthly Cost | Service Fee | Visit Site |
|---|---|---|---|---|
| NR** | $49–$59 | $65–$125 | VISIT SITE | |
| B | $29–$89 | $100–$125 | VISIT SITE | |
| B- | $44–$47 | $60–$75 | VISIT SITE | |
| B | $42–$82 | $100–$125 | VISIT SITE | |
| B | $35–$94 | $75–$125 | VISIT SITE | |
| B+ | $44–$58 | $70 | VISIT SITE | |
| B+ | $30–$56 | $100–$150 | VISIT SITE | |
| A | $27–$61 | $65–$100 | VISIT SITE |
When shopping for a home warranty, we recommend getting quotes from at least three providers, as pricing will depend on where you live, the square footage of your home, and the protection plan you choose. Also consider any add-on coverage you may need, such as roof-leak protection or pool coverage. Once you have quotes from all three companies, you can compare your options and choose the home warranty that’s right for you and your budget.
FAQs About Costco Home Warranty
Does Costco offer a home warranty?
While Costco doesn’t offer a blanket home warranty option, they do offer SquareTrade protection plans that cover specific appliances. Costco offers warranties for single appliances, kitchen suites, and laundry suites.
How much does a home warranty cost?
The average cost of a home warranty is between $564–$984 a year, and service call fees can range between $75–$125 per claim. Plan costs vary based on several factors, including the chosen plan, add-ons, and your location.
What does a home warranty cover?
A home warranty covers various home systems and appliances, including air conditioning systems, plumbing systems, water heaters, refrigerators, dishwashers, and other key home items.
Who needs a home warranty contract?
A home warranty contract is ideal for homeowners who want protection against unexpected repair costs for major systems and appliances. It’s especially useful for first-time buyers, owners of older homes, landlords, and sellers looking to attract buyers. While not required, a home warranty can provide peace of mind and help homeowners manage repair expenses more predictably.
Additional Home Warranty Resources
- Best Home Warranty
- American Home Shield Reviews
- First American Home Warranty Reviews
- Select Home Warranty Reviews
- AHW Home Warranty Reviews
Our Rating Methodology
We use a comprehensive rating methodology to ensure our home warranty recommendations are objective and reliable. Our research includes discussions with company representatives, quote requests, contract analysis, and consumer feedback gathered through focus groups and surveys. We have also tested 11 top home warranty providers to better understand their signup and claims processing firsthand.
Each provider is assessed across six key factors that we determined are crucial to the decision-making process. The total score, out of 100 points, is then converted into a 5-star rating.
Here’s a breakdown of our weighted factors:
- Coverage: We assessed how many items each provider covers, including specialty items, and whether companies offer high payout limits. Points were deducted for long waiting periods and depreciation-based claim reductions.
- Cost: Our team compared average monthly rates and service fees, awarding top scores to providers with competitive pricing and no hidden charges.
- Trustworthiness: Reputation was evaluated through customer ratings on platforms such as the BBB and Trustpilot, company responses to complaints, and National Home Service Contract Association (NHSCA) membership. Higher ratings and longer workmanship guarantees earned more points, while legal issues resulted in deductions.
- Plan transparency: We evaluated contract clarity, awarding points to providers with straightforward policies and easy-to-understand terms.
- Customer support: Companies with multiple claims submission options, quick response times, and accessible support received higher scores.
- Flexibility: Providers offering a variety of plans, extensive add-ons, the option to choose a technician, and easy cancellation policies earned more points.
