Best Home Warranty for High-End Appliances (2024)
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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 determined that American Home Shield offers the best protection for your high-end appliances. Our guide outlines plans, coverage, and cost information for our top recommended providers to help you protect your elegant cooktops, advanced dishwashers, and state-of-the-art garbage disposals.
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.
- Best for Comprehensive Coverage: American Home Shield
- Best Add-On Coverage: First American Home Warranty
- Best Customer Ratings: Liberty Home Guard
- Best Value: Select Home Warranty
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.
| 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 | $75–$125 | VISIT SITE | |
| B | $35–$94 | $75–$125 | VISIT SITE | |
| A+ | $44–$58 | $70 | VISIT SITE | |
| B+ | $30–$56 | $100–$150 | VISIT SITE | |
| A | $27–$70 | $65–$100 | VISIT SITE |
Monthly Cost
Service Fees
Customer Support Options
Response Time
Pros
- High coverage caps
- Preexisting coverage included
- Bonus discounts on maintenance services
- Unlimited system coverage
- Solid add-on catalog
- Optional upgrade for preexisting condition coverage
- Extensive add-on catalog
- 60-day workmanship guarantee
- Accessible customer support
- Low-cost plan options
- High HVAC coverage
- Free roof leak protection
Cons
- Higher costs for comprehensive coverage
- Smallest add-on catalog
- No AC coverage in the lowest plan
- Excludes essential appliances from its lowest plan
- Reviews mention low claim payouts
- Low coverage caps for electrical and plumbing
- Low coverage caps for other items
- No service call fee flexibility
Summary
We recommend American Home Shield for homeowners who need comprehensive coverage for older homes.
We recommend First American Home Warranty for homeowners who need robust plan options for HVAC and high-end appliances.Â
We recommend Liberty Home Guard for homeowners who need coverage for multiple HVAC systems and extensive add-on customizations.
We recommend Select Home Warranty for homeowners who need affordable HVAC-only coverage.
Promotions
Rating Categories
Coverage
Value
Trustworthiness
Plan Transparency
Customer Support
Flexibility
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 for Comprehensive Coverage
First American Home Warranty
Best Appliance Coverage
Liberty Home Guard
Best Overall
Select Home Warranty
Best Value
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.
Annual Home Warranty Cost Calculator
Our team created a calculator to break down the estimated annual cost of owning a home warranty. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.
| Appliance | Average Repair Cost | Average Replacement Cost |
|---|---|---|
|
Dehumidifier |
$50–$200 |
$1,300–$2,800 |
|
Microwave |
$50–$400 |
$60–$2,000 |
|
Dishwasher |
$50–$500 |
$400–$3,000 |
|
Exhaust Fans |
$16–$300 |
$250–$950 |
|
Electric Range |
$100–$500 |
$230–$3,000 |
|
Gas Range |
$100–$500 |
$230–$3,000 |
|
Dryer |
$100–$400 |
$450–$2,300 |
|
Oven |
$100–$430 |
$400–$3,000 |
|
Washer |
$50–$450 |
$400–$2,300 |
|
Freezer |
$90–$500 |
$160–$2,900 |
|
Refrigerator |
$40–$350 |
$200–$5,000 |
Note: The annual cost figure generated by our home warranty calculator is not an indication of a company’s actual plan cost, as annual costs and service fees vary based on your plan selections and your home’s size, type, and location.
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 back up our home warranty ratings and recommendations with a detailed rating methodology to score each provider objectively. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and conducting focus groups and consumer surveys.
We score each provider against our review standards, which include four comparison categories: coverage, value, trust and transparency, and availability and service. We rate each provider across 31 factors within these categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We then convert the final scores to a 5-star rating.
Here’s a breakdown of our weighted factors:
- Coverage (40%): We scored coverage based on included home systems and appliances, add-on options, and unique benefits. We also compared coverage caps and policy exclusions.
- Additional coverage items
- Annual coverage cap
- Home systems coverage
- Major appliances coverage
- Obstructed wall coverage cap
- Value (30%): We compared the coverage level received to monthly pricing to determine plan value. We considered premium pricing, service fees, and flexibility in customizing plan costs.
- Average monthly cost
- Cost flexibility
- Lowest service fee
- Trust and Transparency (16%): We evaluated each company’s reputation using the Better Business Bureau ratings and customer reviews on third-party review sites. We read through plan change policies, workmanship protections, and sample contract availability.
- Brand reputation
- Policy change flexibility
- Sample contract availability
- Workmanship guarantee length
- Availability and Service (14%): We award higher scores for faster claim processing and response times. We also considered service technician policies, including options to choose your technician.
- Claims process
- Guaranteed response time
- Service flexibility
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.
