5 Best Home Appliance Insurance Companies (May 2024 Guide)

Monthly cost: $49–$59

We recommend Liberty Home Guard for homeowners who need extended appliance protection. The company offers appliance-only and comprehensive plans, plus the largest add-on catalog in our review, with 42 items and 19 options focused on appliance protections.

We scored Liberty Home Guard 4.5 out of 5 stars in our review standards. Here’s how it rated in key categories:

• Coverage (4.7 out of 5): We awarded a higher score for its excellent appliance coverage, including two plans and 19 add-on options. 
• Value (4.25 out of 5): We deducted points for its vague service call fee policy and inflexible options. 
• Trustworthiness and Transparency (4.8 out of 5): LHG scored well thanks to its A rating from the Better Business Bureau (BBB) and 4.6-out-of-5 star average rating on third-party review sites.  
• Availability and Service (4.3 out of 5): LHG lost points for its inflexible service contractor policy.

LHG provides three service plan options: Appliance Guard, Systems Guard, and Total Home Guard. After reviewing the LHG sample contract, we learned that two plans, Appliance Guard and Total Home Guard, include appliances in their base coverage. LHG provides a $2,000 appliance coverage limit, aligning with the industry coverage standard. The company doesn’t offer coverage for secondary appliances in its baseline coverage. All repairs include a 60-day workmanship guarantee.

Below is an overview of LHG’s coverage plans:

• Appliance Guard: This plan includes coverage for nine appliances, such as clothes dryers, dishwashers, and washing machines. 
• Systems Guard: This next plan focuses on home systems only, with protections for  six built-in systems, such as cooling, heating, and water heaters. 
• Total Home Guard: The highest plan tier combines the Appliance Guard and Systems Guard for comprehensive home coverage.

Unlike other providers, LHG doesn’t offer flexible service call fees. Instead, LHG assigns a service call fee ranging from $65–$125 based on your home’s size and type, location, and plan selections. The company offers monthly and annual premiums. When we pulled a sample quote using LHG’s online tool, we found it offers two months of extra coverage with its annual plan.

Below is a cost breakdown for LHG coverage:

LHG offers 42 add-on options, the largest catalog of this review. Coverage options include 19 appliance coverage types, including professional series, second refrigerators, and stand-alone freezers. Add-on appliance coverage ranges from $3.99–$14.99 per month. Some additional appliance coverage options include the following items:

• Central vacuum
• Instant hot water dispenser
• Water softener

When we read LHG customer reviews, we noticed many customers complimented the company for its efficient customer support line. We called the LHG customer support line during secret shopping to test the experience—our call connected to an LHG representative in under 30 seconds. 

We also tested LHG’s live chat service, which is unique for a home company. Although the chat connected immediately, we interacted with an automated bot. It required two requests to speak with a live agent before we were transferred.

We also explored the LHG website for details on its appliance coverage. We learned that the company offers clear information about its coverage and exclusions in both the sample contracts and Plans and Policies section of its website. However, details about coverage caps are only outlined in the sample contract.

Monthly cost: $29–$89

We recommend American Home Shield (AHS) for homeowners seeking protection for older homes and appliances. The company offers comprehensive protection for items with preexisting conditions or physical damages, a rarity with home warranty providers.

We scored American Home Shield 4.4 out of 5 stars in our review standards. Here’s how we rated it in key categories.

• Coverage (4.7 out of 5): AHS received a high score for its comprehensive appliance coverage, which includes damaged items. 
• Value (4 out of 5): We deducted points for its higher plan pricing and lack of an appliance-only plan.
• Trustworthiness and Transparency (4.25 out of 5): AHS received a low score due to its low customer review scores across third-party sites.
• Availability and Service (4.7 out of 5): AHS scored well for its efficient claims process and 24/7 claims line availability.

AHS provides three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. We read the AHS sample contract and learned that it doesn’t offer an appliance-only plan option, unlike other providers, including LHG and Select. Instead, it bundles appliance coverage with home systems under the ShieldGold and ShieldPlatinum plans. The company will cover up to $2,000 per appliance in the ShieldGold plan, which matches LHG’s coverage caps. However, AHS doubles its coverage limit to $4,000 per appliance with the ShieldPlatinum Plan, making it the second-highest appliance coverage in this review behind First American. AHS includes a 30-day workmanship guarantee with its repairs.

AHS also covers unknown preexisting conditions, improper installation or modification, and items damaged by rust and corrosion. Most home warranty providers exclude these conditions from their standard coverage.

Here’s a look at AHS’s coverage plans:

• ShieldSilver: This plan focuses on major home systems, such as heating, cooling, and electrical. 
• ShieldGold: The next plan includes major systems and appliances, such as built-in microwaves, garbage disposals, and ovens. 
• ShieldPlatinum: The highest plan tier includes ShieldGold coverage, plus added perks, such as roof-leak repairs and HVAC tune-ups.

AHS only offers comprehensive plans, so they cost slightly more than other providers in this review. While creating an online quote on its website, we could choose between a $100 or $125 service call fee. Our monthly plan rates lowered when we chose the higher service call fee. AHS is also the only provider in this review that offers monthly plans. Other providers, including AFC Home Warranty and LHG, offer annual and monthly options.

Here’s a closer look at AHS costs and service fees:

AHS offers a limited add-on catalog with only six options. Most reviewed providers provide eight or more, on average. Of its six add-ons, none of them have additional appliance protections. AHS also excludes coverage for secondary appliances and stand-alone items such as freezers.

We’ve highlighted some AHS add-on options below:

• Electronics protection plan
• Pools and built-in spa equipment  
• Roof leaks
• Septic pumps

Our team member filed an AHS home warranty claim to test the process. After submitting the claim online, he received text and email confirmations immediately. Within just five minutes, AHS had scheduled a service appointment for the next day. The technician took only two hours to complete the repairs. The only out-of-pocket cost was the service call fee. Our tester was pleased with the service and the promptness of the claims process.

The AHS site is easy to navigate and provides clear details on appliance coverage limits for each plan. Under the Plans & Coverage section, we found details for each plan, including associated plans, coverage limits, annual aggregate limits, and coverage breakdown for each appliance. The site also clearly details its inclusions and exclusions and provides a convenient link to its sample contract.

Monthly cost: $44–$47

We recommend Select Home Warranty for homeowners who need affordable coverage for their essential appliances. The company offers stand-alone appliance and comprehensive coverage options priced under $50 per month.

We scored Select Home Warranty 4.3 out of 5 stars in our review standards. Here’s how we rated it in key categories.

• Coverage (3.7 out of 5): Select lost points for its $500 appliance coverage cap, which falls below the $2,000 industry standard. 
• Value (5.5 out of 5): Select received a perfect score for its budget-friendly pricing.
• Trustworthiness and Transparency (4.5 out of 5): Select lost points for its low customer review scores across several third-party sites.
• Availability and Service (4.3 out of 5): Select lost points for its claim processing, which is longer than other reviewed providers.

Select offers three plan options: Bronze Care, Gold Care, and Platinum Care. We noted in Select’s sample contract that its Bronze Care and Platinum Care plans cover appliances such as exhaust fans and washing machines. The Platinum Care plan adds major systems coverage. Based on the fine print we read, Select is’t ideal for covering older appliances. Its $500 coverage limit is the lowest of all providers in this article and falls well below the industry standard. Consider Select if you’re on a tight budget and need baseline appliance protection for newer items.

Here are more details about Select’s plans:

• Bronze Care: This appliance-only plan includes essential appliances such as cooktops, garbage disposals, and refrigerators. 
• Gold Care: The next plan protects six major home systems, including air conditioning, heating, electrical systems, and water heaters. 
• Platinum Care: Its highest plan offers the protection of the Bronze and Gold Care plans and adds garage door openers, plumbing stoppages, and ceiling fans.

Select offers annual and monthly plan options, typical for most home warranty companies. Similar to AHS, Select doesn’t offer flexible service call fees. Instead, you’ll receive a $60–$75 service call fee, which is assigned to your account. While secret shopping, we learned that Select offers its lower service call fee through an exclusive deal over the phone.

We’ve detailed Select’s coverage costs below:

Select offers nine add-on options priced lower than other reviewed competitors, with pricing between $3.33 and $8.33 per month. However, add-on items only receive a $400 coverage cap, falling below other providers, including LHG and AHS. Select offers only one appliance add-on option: stand-alone freezer coverage for an additional $3.33 monthly. Additional add-on options include the following items:

• Central vacuums
• Roof leak
• Septic pumps 

We spoke with Select’s customer service team and gained useful insights into its business practices. The company prefers handling most plan issues and claims processing over the phone. We also learned that Select dispatches technicians from its approved network. However, if no network technicians are available locally, Select allows you to choose your repair person, pending company approval first.

Unfortunately, we found the Select website offers limited information on its appliance coverage. Covered appliances are listed, but it doesn’t offer details on exclusions or coverage caps. Select also doesn’t offer these details during the quote process. We recommend reviewing a provider’s full sample contract and policies in detail before signing up for service.

Monthly cost: $47–$87

We recommend First American Home Warranty for homeowners who need protection for high-end appliances. The company offers up to a $7,000 appliance cap on its highest plan and provides an add-on that includes preexisting condition protections. 

We scored First American Home Warranty 4.6 out of 5 stars in our review standards. Here’s how we rated it in key categories.

• Coverage (4.7 out of 5): First American scored well for its coverage plans, which include high appliance caps and multiple add-on appliance options.
• Value (4 out of 5): First American lost points due to its service call fees, which are slightly higher than competitors.
• Trustworthiness and Transparency (4.8 out of 5): First American scored well due to its excellent reputation and higher customer review scores.  
• Availability and Service (4.3 out of 5): First American lost points for its inflexible service technician policy.

First American offers three plan options: the Starter Plan, Essential Plan, and Premium Plan. We read through First American’s sample contract and discovered that each plan includes combined coverage for appliances and systems. This means you can’t choose an appliance-only plan like you can with Select or LHG. In addition, First American doesn’t cover some essential home appliances in every plan like other providers. For example, you can’t choose the cheaper Starter Plan if you need coverage for a clothes washer or dryer. Instead, you’ll need to pay more for the Essential or Premium Plan. Preexisting conditions aren’t covered in First American’s standard coverage as AHS does, but you can add the First American Upgrade to the Essential and Premium plans for these protections.

Here are more details about First American’s plans:

• Starter Plan: This includes coverage for some essential appliances and systems, such as built-in microwaves, heating systems, and refrigerators. 
• Essential Plan: This includes Starter Plan coverage and adds more essential items, including air conditioning and clothes washers and dryers. 
• Premium Plan: The highest tier includes Essential Plan coverage and adds luxury appliances, roof leaks, and window air conditioning units.

Similar to AHS, First American provides flexible service call fees. We used First American’s quote tool and learned that you can choose from a $75, $100, or $125 service call fee. Your premium will increase or decrease depending on your selected service call fee. First American charges a $2 processing fee if you choose monthly premiums. It removes the fee with an annual premium. We haven’t found a fee like this with any other received provider.

Below is an overview of First American’s costs:

First American has 12 add-on options, with only three appliance options. You can add coverage for up to three additional refrigeration units. This includes an additional refrigerator outside of the kitchen, a wet bar refrigerator, a wine refrigerator, a freestanding freezer, or a freestanding ice maker. Additional refrigeration coverage will add $4.17 per month to your costs. You can also add the First American upgrade to the Essential and Premium Plan at no cost.

Additional First American add-on coverage includes the following items:

• HVAC tune-ups
• Up to two pools/spa equipment
• Water Softener

Our team member filed a claim with First American to fix a broken garage door opener. After submitting the claim online on a Friday, he received a text within 30 minutes confirming his technician assignment. The technician promptly contacted him to schedule a repair visit for the upcoming Monday. The service technician completed the less than 30-minute repair quickly. Our team member only paid the service call fee for his visit.

Similar to Select’s website, First American’s doesn’t disclose details concerning its coverage caps or exclusions. Instead, we could only find information about the covered appliances and limited plan details. When we selected the “Compare Plans” button, we were redirected to the online quote tool.

Monthly cost: $35–$94

We recommend America’s First Choice Home Warranty (AFC Home Warranty) for homeowners who want more customized appliance coverage options. The company offers four plans with appliance protection, three service call fees, and 13 add-ons, providing more variety than other reviewed providers.

We scored AFC Home Warranty 4.6 out of 5 stars in our review standards. Here’s how we rated it in key categories.

• Coverage (4.3 out of 5): AFC Home Warranty lost points for its depreciated value coverage, which lowers the claim payout amount for older items.
• Value (4.5 out of 5): AFC Home Warranty received a high score for its extensive coverage plan options and flexible service fees. 
• Trustworthiness and Transparency (4.8 out of 5): AFC Home Warranty scored well for its unlimited workmanship guarantee.  
• Availability and Service (5 out of 5): AFC Home Warranty received a perfect score for its flexible service technician policy.

AFC Home Warranty offers four plan options: the Silver Plan, the Gold Plan, the Platinum Plan, and the Diamond Plan. All four plans include coverage for nine essential appliances. We read AFC Home Warranty’s sample contract to see how much coverage it provides to major appliances. We found it covers up to $3,000 per covered appliance. However, AFC Home Warranty pays up to an appliance’s depreciated value. This means appliances five years or older will receive a lower reimbursement than newer appliances.

Here’s an overview of AFC Home Warranty’s plans:

• Silver Plan: The lowest plan covers nine essential appliances, such as dishwashers, garbage disposals, and stoves. 
• Gold Plan: This plan offers system and appliance protection for 15 items, such as air conditioning, heating, and water heaters. 
• Platinum Plan: The next plan increases coverage to 20 essential systems and appliances, such as faucets and built-in microwaves. 
• Diamond Plan: This plan tier includes Platinum coverage and adds electronics and external sewer and water lines. (Note: The Diamond Plan is unavailable in AK, CA, HI, MT, MS, NC, NJ, UT, VA, WA, WV, or WI.)

AFC Home Warranty warranty pricing aligns closer to AHS and First American, making it a more expensive option for comprehensive coverage. The company offers flexibility in choosing between $75, $100, or $125 service call fees. It also provides monthly and annual plans, with options for up to three years of coverage.

We’ve listed AFC Home Warranty’s costs and fees below:

AFC Home Warranty offers 13 add-on options to enhance coverage. Coverage costs range from $25 to as high as $150 per year. The company offers four appliance-focused add-ons, each priced at $25 per year. We’ve listed the available add-on appliance coverage below:

• Built-in microwaves
• Double ovens
• Ice makers
• Stand-alone freezers

Our review of AFC Home Warranty’s sample contract revealed a rare benefit—the ability for you to choose your own service contractor rather than being limited to the company’s network. Few competitors offer this freedom and flexibility in technician selection. Additionally, AFC Home Warranty provides exclusive membership perks such as free credit monitoring, emergency alert services, identity protection, plus dental, vision and pet insurance.

While secret shopping on the AFC Home Warranty website, we noticed that the company offers appliance coverage details with each plan. It also provides coverage and exclusion information for each item. However, it doesn’t provide coverage cap details, which you must check in its sample contracts.