Best Home Appliance Insurance Companies

American Home Shield covers more appliances than any company on this list, including basics such as built-in microwaves, ranges/ovens, kitchen refrigerators, washers, dryers, and dishwashers, as well as installed hot or cold water dispensers, ceiling fans, and attic fans. We also like that AHS doesn’t exclude baskets, trays, rollers, doors, and other cosmetic parts of appliances from its coverage.

American Home Shield is our top pick for its comprehensive major appliance coverage and high coverage limits of up to $4,000 for appliances and $5,000 for most systems. Unlike several competitors, AHS doesn’t exclude older appliances, physically damaged appliances, or preexisting conditions as long as they can’t be detected during a visual inspection or a test, such as turning an appliance on and off.

You’ll pay for AHS’ full coverage, though, as the provider has some of the highest middle- and top-tier premiums on this list. And AHS doesn’t offer appliance-only coverage, so you’ll have to purchase full comprehensive coverage that protects your home systems, too. 

While American Home Shield offers three possible plans, the lowest plan only includes systems coverage. The AHS sample contract details the plan differences. AHS covers all parts for appliances included in each plan, offering some of the best appliance coverage of our top providers. Some companies, such as Elite Home Warranty, don’t cover dishwasher racks or rollers, but AHS covers the entire appliance. AHS offers a standard 30-day workmanship guarantee, meaning that if your item experiences further issues, AHS will arrange to repair it for free.

Below are details for the two plans with appliance coverage. Prices depend on your location.

• ShieldGold ($50–$100 per month): The ShieldGold tier covers major systems and appliances, including kitchen refrigerators, built-in microwaves, ranges and ovens, washers, dryers, dishwashers, and garbage disposals, plus major systems, such as HVAC, electrical, and plumbing.
• ShieldPlatinum ($80–$130 per month): AHS’ top plan includes all of the ShieldGold coverage plus additional benefits such as roof-leak repairs and annual HVAC tuneups.

Choice Home Warranty offers a Total Plan, which covers almost as many appliances as AHS, excluding installed hot and cold water dispensers. It covers almost all parts and components of built-in microwaves, refrigerators, ranges and ovens, exhaust fans, washers and dryers, dishwashers, garbage disposals, and ceiling and attic fans. However, CHW’s Basic Plan doesn’t cover refrigerators, clothes washers and dryers, or air conditioners. You can get the Total Plan’s full coverage for less than $10 extra per month. While CHW’s coverage limits of $3,000 per appliance aren’t as high as AHS’, neither are its premiums.

Choice Home Warranty offers comprehensive coverage for appliances and major home systems at a more affordable price than competitors. CHW provides limits of up to $3,000 per year for each appliance it covers, with few exclusions—appliance parts such as trays, switches, sensors, and gaskets. However, the company has faced multiple lawsuits and legal issues in the last several years, including an ongoing lawsuit with the state of Arizona over alleged consumer fraud.

Choice Home Warranty offers two comprehensive plans, the Basic and the Total Plan. Its sample agreement outlines its $3,000 coverage limit for all standard appliances. Add-on coverage (except for pools, sump pumps, and second refrigerators) has a $500 coverage limit. CHW offers a 60-day workmanship guarantee for parts and 90 days for labor. 

Here’s an overview of CHW’s service plans:

• Basic Plan ($47 per month): This plan covers some appliances and systems, excluding air conditioners, washers, dryers, and refrigerators. We recommend skipping this plan given its exclusion of three major appliances. 
• Total Plan ($55 per month): This top-tier plan adds coverage for ACs, washers, dryers, and kitchen refrigerators.

First American Home Warranty offers decent appliance coverage with its middle Essential Plan or top Premium Plan. Its lowest-tier Starter Plan provides limited appliance coverage, excluding basic appliances such as clothes washers and dryers, and excluding parts. FAHW is one of our top picks for appliances because of its generous $7,000 coverage limit per appliance with its Premium Plan—a higher limit than any competitor—plus parts coverage. It’s also the only company on our list to cover trash compactors.

We recommend First American Home Warranty if you need substantial coverage for your high-end appliances. Its Premium Plan offers up to $7,000 for most appliances and unlimited coverage for washers and dryers. It also provides robust coverage for your HVAC, plumbing, and electrical systems. The Premium Plan includes additional coverage, such as roof-leak protection and haul-away costs. However, we find that its Starter plan is not worth the price, as this limited appliance coverage excludes parts. 

First American Home Warranty offers three plans—the Starter, Essential, and Premium plans. The sample contract details coverage caps for each tier: Appliances have a $3,500 coverage limit or cap, or a $7,000 coverage cap with the Premium Plan (excluding washers and dryers, which have unlimited coverage caps). It extends a 30-day workmanship guarantee.

Here’s an overview of FAHW’s service plans. Prices will change based on your service fee. The $100 service fee yields monthly premiums that are $5 more than with the $125 service fee. 

• Starter Plan ($42–$47 per month): This plan covers some systems and appliances, including heaters, but it excludes refrigerators, water heaters, washers, and dryers.
• Essential Plan ($57–$62 per month): This plan adds coverage for additional appliances (kitchen refrigerators, washers, and dryers) and electrical systems, including garage door openers and HVAC.
• Premium Plan ($77–$82 per month): This highest-tier plan also provides roof-leak coverage, higher spending limits for appliances, and out-of-pocket expenses for code upgrades and haul-aways.

Elite Home Warranty is one of two companies on our list with an appliance-only plan. While this plan covers most major appliances, including built-in microwaves, ranges and ovens, refrigerators, washers, dryers, dishwashers, and garbage disposals, it excludes exhaust fans—and it only covers parts and components that affect the appliance’s functionality. Elite has the largest exclusion list of any company in this review and will not cover repair or replacement for doors, hinges, trays, rollers, switches, sensors, controllers, gears, latches, knobs, dials, alarms, timers, cosmetic damage, or leaks of any kind. 

Elite Home Warranty is a good choice if you need a flexible coverage plan. While its appliance-only and full coverage plans feature a lot of exclusions, it offers the most add-on options (30) of any company we review in this article, and it allows you to combine coverage into a unique warranty that fits your home’s needs. While Elite’s coverage limits vary widely, you can purchase “Premium Appliances” coverage that increases coverage limits on several appliances. Elite also has the lowest service fee on the list, at just $70.

Elite Home Warranty offers an appliance-only plan, a systems-only plan, and a plan combining both. You can also choose the Customize Your Own policy option and choose the exact item coverage you need, with up to 30 separate options. The company’s sample contract details each item’s coverage limits, which vary widely, unlike competitors on this list. In addition to individual coverage limits, Elite has maximum limits: The company will pay out a maximum of $7,000 per year for all appliances. Elite’s workmanship guarantee is a full 90 days long, three times as long as most competitors. 

We detail coverage for Elite’s appliance-only and full coverage plans below.

• Elite Appliances ($50 per month): Elite’s lowest-tier plan is an appliance-only plan that covers eight home appliances, such as stovetops, washing machines, and dishwashers.
• Elite Complete ($60 per month): The highest-tier plan combines Elite Appliances and Elite Systems plans for more comprehensive protection.

While AFC Home Warranty offers an appliance-only Silver Plan, its coverage is somewhat limited. This basic plan doesn’t cover built-in microwaves, exhaust fans, hot and cold water dispensers, or ceiling fans. However, AFC’s Platinum Plan covers exhaust fans and built-in microwaves. Like Elite Home Warranty, AFC’s coverage limits differ, from $150 to a maximum of $3,000 for appliances.

We recommend AFC Home Warranty if you have a new home. It offers solid coverage options, but coverage limits decrease for appliances over 5 years old. The company offers four distinct plan tiers plus 13 add-on options and a workmanship guarantee for the life of your plan, the best guarantee of any competitor. Plus, you can choose your own contractor to complete repairs. While some systems’ coverage limits are capped at a low $1,000, most HVAC repairs are unlimited.

AFC Home Warranty offers four plans: Silver, Gold, Platinum, and Diamond. The AFC sample contract includes specific coverage details for each plan. The bottom-tier Silver Plan only offers appliance coverage. Systems coverage begins with the Gold Plan. The Platinum Plan offers additional appliance coverage, and the Diamond Plan offers smart home electronics coverage for your phone, watch, or even gaming device, as well as exterior sewer and water lines.

Below are details for each of AFC’s four plans. Your monthly plan cost is based on your service fee; you’ll pay $7.25 more per month for a $75 service fee than for a $125 fee.

• Silver Plan: The basic plan covers your main appliances, including the kitchen refrigerator, range, washer, and dryer.
• Gold Plan: The next tier adds coverage for major systems, including electrical, plumbing, air conditioning, and heating.
• Platinum Plan: This tier adds coverage for garage door openers, built-in microwaves, plumbing stoppages, faucet repairs or replacement, and icemakers.
• Diamond Plan: The highest tier adds coverage for any electronics in your home that connect to Wi-Fi, exterior sewer lines, and exterior water lines.