Best Home Appliance Insurance Companies (2024)

By Jesus Sanchez Garcia Updated May 22, 2024

All products and services featured are independently selected by our editors. However, when you buy something through our retail links, we may earn an affiliate commission.

Home warranties, also known as home appliance insurance policies, protect appliances and home systems when they break down due to wear and tear and can be renewed year after year. Other home protection plans, such as manufacturer or extended warranties, can’t be renewed after they expire. With a home warranty for your appliances, you can continuously protect your home’s essential components and access high-quality service technicians without the hassle of vetting contractors. In fact, these plans help offset expensive repair costs and get your home running again in less time.

We researched the best home warranty companies and found the top providers that offer solid appliance protections. Our guide outlines the advantages of home appliance insurance, recommends leading providers, and provides advice on finding the best coverage options.

Our Top Pick
VISIT SITE $200 Off + 2 Months Free + Roof Leak Protection
Monthly Cost $49–$60
Service Fee $65–$125
Plans Offered 3
Best for Extensive Coverage
VISIT SITE Get $150 Off All Plans
Monthly Cost $40–$80
Service Fee $100–$125
Plans Offered 3
Best Budget Coverage
VISIT SITE Use code HOUSE25 for $150 off & 2 months free
Monthly Cost $44–$48
Service Fee $65–$75
Plans Offered 3
Best for Systems Coverage
VISIT SITE Special Offer: $100 Off with Code “PROTECT”
Monthly Cost $45–$70
Service Fee $75–$125
Plans Offered 3

The Top 7 Home Appliance Insurance Companies

We researched dozens of home warranty providers and reviewed key plan details, including appliance coverage, caps, and workmanship warranties. We then scored each company based on six key factors crucial to homeowners and narrowed the list to these top providers.


Compare the Top Home Appliance Insurance Companies

Below, we compare our top providers for home appliance warranties based on essential factors, including cost, service call fee, and Better Business Bureau (BBB) rating.

BBB Rating Monthly Cost* Service Fee Link
Liberty Home Guard Liberty Home Guard NR $49–$59 $65–$125 VISIT SITE
American Home Shield American Home Shield B $59–$119 $100–$125 VISIT SITE
Select Home Warranty Select Home Warranty B $44–$47 $65–$75 VISIT SITE
First American Home Warranty First American Home Warranty B $42–$82 $75–$125 VISIT SITE
AFC Home Warranty AFC Home Warranty B $35–$94 $75–$125 VISIT SITE
Cinch Home Services Cinch Home Services B+ $44–$72 $100–$150 VISIT SITE
HomeServe HomeServe A $48–$58 $0–$100 VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
BBB Rating NR
Monthly Cost* $49–$59
Service Fee $65–$125
VISIT SITE
American Home Shield
Logo American Home Shield
BBB Rating B
Monthly Cost* $59–$119
Service Fee $100–$125
VISIT SITE
Select Home Warranty
Logo Select Home Warranty
BBB Rating B
Monthly Cost* $44–$47
Service Fee $65–$75
VISIT SITE
First American Home Warranty
Logo First American Home Warranty
BBB Rating B
Monthly Cost* $42–$82
Service Fee $75–$125
VISIT SITE
AFC Home Warranty
Logo AFC Home Warranty
BBB Rating B
Monthly Cost* $35–$94
Service Fee $75–$125
VISIT SITE
Cinch Home Services
Logo Cinch Home Services
BBB Rating B+
Monthly Cost* $44–$72
Service Fee $100–$150
VISIT SITE
HomeServe
Logo HomeServe
BBB Rating A
Monthly Cost* $48–$58
Service Fee $0–$100
VISIT SITE
Providers
Best For
Monthly Cost
Service Fee
BBB Rating
Best Add-On Variety
$49–$59
$65–$125
NR
Best for Extensive Coverage
$59–$119
$100–$125
B
Best Budget Coverage
$44–$47
$65–$75
B
Best for Systems Coverage
$42–$82
$75–$125
B
Best Membership Perks
$75–$125
B
Best Coverage Variety
$44–$72
$100–$150
B+
Best for Specific Needs
$48–$58
$0–$100
A

Note: BBB Ratings are accurate as of May 2024. 

*We based all price information on a 2,880-square-foot, single-family home in Berwyn, Pennsylvania. Prices can vary—from a few cents to dollars—even for homes in the same zip code. We recommend requesting a personalized quote from any provider that interests you.


Liberty Home Guard

Best Add-On Variety

4.5

Our Rating

State Availability: 50
Number of Plans: Three
Service Fee: $65–$125

Why We Chose It

Given its solid appliance limits and extensive add-on catalog, we consider Liberty Home Guard (LHG) the top home appliance insurance provider in this review. Its standard plan covers refrigerators with built-in ice makers, which most companies cover as an add-on only. The company also includes 42 add-on options, with 19 offering additional appliance protections. LHG offers a 60-day workmanship guarantee, which exceeds the 30-day industry standard.

Benefits and Drawbacks

Benefits

  • Includes appliance-specific and comprehensive plan options
  • Offers up to 42 unique coverage options with 19 appliance-specific options
  • Provides a 60-day workmanship guarantee, double the 30-day industry standard

Drawbacks

  • Assigns its service call fees, limiting pricing flexibility
  • Doesn’t disclose its service call fees during the quote process
  • Excludes secondary appliance coverage from its standard plans

Plans and Coverage

LHG offers three home warranty plans: Appliance Guard, Systems Guard, and Total Home Guard. Appliance Guard covers standard and kitchen appliances, such as cooktops and garage door openers, while Systems Guard covers your air conditioning and water heater. Total Home Guard covers all the items in the two basic plans. We recommend Appliance Guard if you need appliance-specific coverage only. 

Unlike other providers in our guide, LHG has a variable service call fee model, which means that its service call fee won’t always be the same from customer to customer. Compared to providers with a flexible service call fee model, LHG’s higher service call fees won’t lower your monthly rate. Your assigned fee will instead be determined based on the location of your home, your plan, and any add-on options you select. When we secret-shopped this company, a representative told us the fee would always fall between $65 and $125.

Here’s an overview of each LHG plan:

  • Appliance Guard ($49.99 per month): This plan covers your clothes washer, clothes dryer, refrigerator with ice maker and display, built-in microwave oven, dishwasher, garbage disposal, range, oven, cooktop, ceiling and exhaust fans, and garage door openers.
  • Systems Guard ($54.99 per month): This covers your air conditioning system, heating system, ductwork, plumbing system, electrical system, and water heater.
  • Total Home Guard ($59.99 per month): This combines the company’s two basic plans into one robust coverage package.

American Home Shield

Best for Extensive Coverage

4.9

Our Rating

State Availability: 48 (all but Alaska and Hawaii)
Number of Plans: Three
Service Fee: $100–$125

Why We Chose It

American Home Shield (AHS) stands out for its extended appliance coverage, which includes plans that cover preexisting conditions and rust, corrosion, or sediment damage. Other home warranty providers typically exclude this type of coverage, making AHS a great choice if you have older appliances. Additionally, its ShieldPlatinum plan covers up to $4,000 per covered appliance, which is double the industry standard.

We tested AHS’s claims process and found it intuitive, easy to complete, and quick. In our experience, the company resolved each claim we submitted within 48 hours.

Benefits and Drawbacks

Benefits

  • Covers high-end appliances under its standard plans
  • Includes coverage for preexisting conditions, and rust, corrosion, or sediment damage
  • Provides flexible service call fees, making your appliance coverage costs more customizable

Drawbacks

  • Charges more for its comprehensive plan compared to other reviewed providers
  • Doesn’t offer any appliance add-ons
  • Excludes an appliance-only plan option

Plans and Coverage

AHS offers three plan tiers: ShieldSilver, ShieldGold, and ShieldPlatinum. ShieldSilver only covers built-in home systems, such as your electrical and plumbing. ShieldGold and ShieldPlatinum include appliance coverage alongside systems, with the ShieldPlatinum adding roof-leak coverage and more. If you need full coverage for your appliances and systems, we recommend ShieldPlatinum for the best protection.

  • ShieldSilver ($59.99–$69.99 per month): This plan covers your air conditioner, heating unit, ductwork, built-in exhaust, vent and attic fans, main breaker and fuse panel box, doorbells and chimes, interior electrical lines, ceiling fans, garage door openers, interior plumbing lines, toilets, faucets and valves, whirlpool tub motor and components, and water heaters.
  • ShieldGold ($79.99–$89.99 per month): This plan covers all of the items in the ShieldSilver plan plus refrigerators, ranges, cooktops, ovens, dishwashers, built-in microwaves, garbage disposals, instant hot/cold water dispensers, washers, and dryers up to $2,000.
  • ShieldPlatinum ($109.99–$119.99 per month): This plan covers all of the items in the ShieldGold plan plus $1,500 for roof leaks. You also get a discounted annual HVAC tune-up, unlimited AC refrigerant, and up to $1,000 in code upgrades. It raises the coverage cap (the monetary limit the provider is willing to pay for a covered item) for appliances to $4,000.

Select Home Warranty

Best Budget Coverage

3.9

Our Rating

State Availability: 47 (all but Nevada, Washington, and Wisconsin)
Number of Plans: Three
Service Fee: $65–$75

Why We Chose It

We recommend Select Home Warranty for homeowners who prefer not to make a significant investment in a home warranty. Since it offers lower coverage limits and covers fewer appliances than other providers, Select is a good option if you only need basic protection for new appliances. It’s also a suitable choice if you need roof-leak coverage, as it’s offered for free with every plan. 

Benefits and Drawbacks

Benefits

  • Covers some stand-alone appliances under its add-ons
  • Includes free roof-leak coverage with each plan
  • Offers appliance-specific and comprehensive coverage for under $50 per month

Drawbacks

  • Charges a separate service call fee for each appliance, even if you only file one claim
  • Doesn't offer service call fee flexibility
  • Offers the lowest appliance coverage limits in this review

Plans and Coverage

Select offers three home warranty coverage plans: Bronze Care, Gold Care, and Platinum Care. Bronze Care only covers appliances, including your garbage disposal, cooktop, and refrigerator. Gold Care covers built-in systems exclusively, including your plumbing system and ductwork. Platinum Care combines the two basic plans and adds coverage for garage door openers and ceiling fans. We recommend choosing the Platinum Care plan as it provides extensive coverage at a lower rate than most providers.

  • Bronze Care ($44.42 per month): This plan covers your clothes washer, clothes dryer, garbage disposal, refrigerator, stove, oven, built-in microwave oven, cooktop, and dishwasher.
  • Gold Care ($44.42 per month): This covers your air conditioning system, heating system, plumbing system, electrical system, water heater, and ductwork.
  • Platinum Care ($47.75 per month): This covers all the built-in systems and appliances in the two basic plans, garage door openers and ceiling fans.

First American Home Warranty

Best for Systems Coverage

4.7

Our Rating

State Availability: 35 (all but Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont, and Wisconsin)
Number of Plans: Three
Service Fee: $75–$125

Why We Chose It

First American Home Warranty is for you if you have luxury appliances because it has high appliance coverage limits, which means you’ll get better coverage for more expensive items. First American covers $3,500 in its entry-level plans, much higher than other reviewed providers. The company also offers the First American Upgrade add-on, which extends coverage to appliances with preexisting conditions. Additional coverage includes damage due to improper installation and appliance haul-away fees. First American even offers up to three add-ons for additional refrigeration units.

Benefits and Drawbacks

Benefits

  • Includes up to a $7,000 appliance limit under its highest plan
  • Offers three service call fees for better price customization
  • Provides the First American Advantage upgrade for extended appliance coverage

Drawbacks

  • Charges higher service call fees than some providers
  • Doesn’t provide a stand-alone appliance plan
  • Excludes laundry appliances from its lowest plan

Plans and Coverage

First American offers three plans, all of which cover appliances. The Starter Plan and Essential Plan provide a $3,500 coverage limit per covered appliance. The Premium Plan increases its appliance limit to $7,000 per covered appliance. The highest plan also includes extended coverage for luxury appliances. To maximize your appliance coverage, consider upgrading to the Premium Plan for your home.

  • Starter Plan ($42.00–$47.00 per month): This covers your built-in microwave, dishwasher, ductwork, electrical system, heating system, kitchen range hood, oven/cooktop, plumbing system, plumbing stoppages, refrigerator, toilet tanks, bowls, and mechanisms.
  • Essential Plan ($57.00–$62.00 per month): This plan covers all Starter Plan items plus air conditioning, ceiling, attic, and exhaust fans, clothes washers and clothes dryers, the First American Advantage add-on, garage door openers, trash compactors, and water heaters.
  • Premium Plan ($77.00–$82.00 per month): This plan covers all Essential Plan items plus central vacuum systems, faucets, full garage door systems, instant hot water dispensers, luxury appliances, showerheads, shower arms, and window AC units.

AFC Home Warranty

Best Membership Perks

4.4

Our Rating

State Availability: 49 (all but Hawaii)
Number of Plans: Four
Service Fee: $75–$125

Why We Chose It

We chose AFC Home Warranty due to its solid appliance coverage and membership perks you won’t find elsewhere. The company offers four plans that include up to $3,000 for appliances. AFC Home Warranty offers unique added membership benefits, such as free credit monitoring and smart-home security options. If you have older appliances, it may not be the best choice because of its depreciation limits. However, if your main goal is peace of mind, AFC Home Warranty offers an unlimited workmanship guarantee on all repairs.

Benefits and Drawbacks

Benefits

  • Has a workmanship guarantee for the length of the plan for all covered repairs
  • Lets you choose your service technician for appliance repairs
  • Offers four plans with appliance coverage plus three service fee options

Drawbacks

  • Covers up to the depreciated value of your broken appliance if it’s older than five years.
  • Doesn’t cover secondary appliances under its standard plans or add-ons
  • Won’t cover appliances with preexisting conditions

Plans and Coverage

AFC Home Warranty offers four plan options that include appliance protections, the most in this review. The Silver Plan covers just appliances, while the Systems Plan covers just systems. The Gold Plan and Platinum Plan cover a combination of major home systems and appliances, including your refrigerator and dishwasher.

  • Silver Plan ($35.25–$40.08 per month): This plan covers your washing machine and dryer, kitchen refrigerator, oven, range, cooktop, stove, dishwasher, garbage disposal, and garage door opener.
  • Gold Plan ($49.75–$54.58 per month): This plan covers key appliances and adds system coverage for your air conditioning system, heating system, electrical system, plumbing system, and ductwork.
  • Platinum Plan ($54.58–$59.42 per month): This plan includes Gold Plan coverage and adds additional items, including plumbing stoppages, faucets, ice makers, and built-in microwaves.
  • Diamond Plan ($89.17–$94.00 per month): This top-tier plan covers all the items in the Platinum Plan plus coverage for external sewer and water lines and electronics. 

Cinch Home Services

Best Coverage Variety

4.4

Our Rating

State Availability: 48 (all but Alaska and Hawaii)
Number of Plans: Three
Service Fee: $100–$150

Why We Chose It

We recommend Cinch Home Services to homeowners who want appliance coverage paired with coverage perks. Due to its deductible reimbursement, the company’s Complete Home plan makes a solid pairing with your homeowners insurance plan. Cinch provides two plans with appliance coverage plus three service call fees for better customization. In addition, Cinch offers a 180-day workmanship guarantee, the second-longest guarantee in this review.

Benefits and Drawbacks

Benefits

  • Covers appliances with a standard $2,000 coverage cap
  • Includes appliance coverage under a stand-alone and comprehensive plan
  • Offers 180-day workmanship guarantee, six times the industry average

Drawbacks

  • Charges some of the highest service call fees in this review
  • Doesn’t offer any appliance add-ons
  • Limits annual claims to a $10,000 aggregate cap

Plans and Coverage

Cinch offers three plan options: an Appliances Plan, a Built-in Systems Plan, and a Complete Home Plan. The company includes appliance protections under its Appliances Plan and Complete Home Plan. If you need focused appliance coverage only, consider the Appliances Plan. Cinch offers a longer 180-day workmanship guarantee for its repairs, longer than most providers. However, the company includes a $10,000 aggregate annual limit for its plans. 

  • Appliances Plan ($44.99–$54.99 per month): This plan covers your clothes dryer, clothes washer, cooktop, dishwasher, built-in food center, freestanding ice maker, built-in microwave, range, range exhaust hood, refrigerator, built-in trash compactor, and wall oven.
  • Built-in Systems Plan ($44.99–$61.99 per month): This covers your air conditioning including ductwork, heating including ductwork, attic fans, ceiling fans, central vacuum, doorbell, electrical system, garage-door openers, garbage disposal, instant hot/cold water dispenser, plumbing system, smoke detectors, sump pump, toilets, water heater, and whirlpool or jetted tub.
  • Complete Home Plan ($60.99–$72.99 per month): This plan covers all the items in the two basic plans and offers a homeowners insurance deductible reimbursement of up to $500.

HomeServe

Best for Specific Needs

4

Our Rating

State Availability: 48 (all but Alaska and Hawaii)
Number of Plans: 18
Service Fee: $0–$100

Why We Chose It

HomeServe is a solid home appliance insurance provider due to its plan-length workmanship guarantee and focused coverage options. Unlike a traditional home warranty plan with robust coverage, HomeServe offers 18 plans tailored to specific items. However, only two plans include appliance coverage. We suggest HomeServe if you desire more control over your specific home protection and prefer a nontraditional home warranty option.

Benefits and Drawbacks

Benefits

  • Covers appliances under two coverage plans
  • Pairs its appliance plans with a low $20 service call fee
  • Includes a plan-length workmanship guarantee

Drawbacks

  • Doesn’t offer all plans in certain zip codes
  • Excludes add-on coverage and professional-grade appliances
  • Offers coverage caps below the industry standard

Plans and Coverage

Unlike other home warranty providers featured on this list, HomeServe offers plans based on your utility provider and location. For this reason, the number and type of HomeServe’s plan offerings will vary considerably from home to home, even within the same state. HomeServe offers two plans that include appliance coverage: TotalHome Warranty Appliances and TotalHome Warranty Combo. If you prefer a more focused appliance plan, we suggest signing up for the TotalHome Warranty Appliances option. After reading its sample contract, we discovered it explicitly states it doesn’t cover professional-grade appliances. In addition, its appliance coverage caps fall below other reviewed providers, limiting your protection. 

TotalHome Warranty Appliances ($48.33 per month): This plan covers your refrigerator, clothes washer, clothes dryer, range, dishwasher, built-in microwave, trash compactor, and garage-door opener up to $1,500 per appliance.

TotalHome Warranty Combo ($58.33 per month): This more comprehensive plan covers all the items in the TotalHome Warranty Appliances plan plus your interior plumbing, interior electrical line, cooling system, heating system, water heater repair, heat pump, ductwork, garbage disposal, attic and ceiling fans, doorbell systems, and central vacuum.


Is Home Appliance Insurance Worth It?

Home appliance insurance is a worthwhile investment to safeguard against unexpected breakdowns and costly repair bills. With regular use, appliances can break down unexpectedly. Imagine the inconvenience of your dishwasher breaking during a dinner party. A home warranty is a practical way to access high-quality and prompt home repairs when needed most, making it worth the cost for many homeowners.

We recently surveyed 1,000 homeowners. We discovered that nearly 50% of respondents found a contractor to work on their homes through online research. If you’re busy, travel often, or would rather spend your time elsewhere, a home warranty can streamline your research process. With a home warranty, you have an on-call claims center to quickly place a service request over the phone or through a convenient online portal.


How Does Home Appliance Insurance Work?

Home appliance insurance is a phrase to describe a home warranty service contract. Companies offer home appliance insurance plans in addition to major systems coverage. These plans cover item wear and tear that occurs with regular use.

The service model is simple. First, choose a monthly or annual plan to give you peace of mind. Then, if a covered item breaks, notify your home warranty company. Your home warranty provider will connect you with a licensed contractor. After you pay the service call fee, the contractor will diagnose and repair your item. If the provider covers your issue, it will pay the repair cost up to its coverage cap.


What Does Home Appliance Insurance Cover?

Home appliance insurance covers your home’s major appliances when they break down due to everyday use. Home warranties don’t typically cover appliance repairs caused by accidental damage, preexisting conditions, improper modification and installation, or mismatched systems. They also don’t cover items that break down due to insufficient maintenance.

The most commonly covered appliances include: 


Types of Home Protection Plans

The three main home protection plans all offer some degree of appliance coverage. These plans include home warranties, also known as home appliance insurance, homeowners insurance, and manufacturer’s warranties.

Home Appliance Insurance vs. Manufacturer’s Warranty

As the name suggests, an item’s manufacturer provides a manufacturer’s warranty. A manufacturer’s warranty can be valid for anywhere from one year to 10 years after the original purchase date. Unlike home warranties that can cover multiple systems and appliances, a manufacturer’s warranty applies only to a single appliance.

Unlike a home warranty, you can’t renew your manufacturer’s warranty without purchasing a separate extended warranty. All necessary repairs outside the warranty period will be the homeowner’s sole responsibility.

Home Appliance Insurance vs. Homeowners Insurance

Though a homeowners insurance policy is not legally required, many mortgage lenders mandate it. Homeowners insurance is a prudent investment for any homeowner who wants to protect themselves against liability for injuries on their property, structural and property damage, and theft. 

However, homeowners insurance only covers incidents considered perilous events—a tree crashing through your window during a windstorm, for example. Unlike a home warranty, it won’t cover essential items that break down due to normal wear and tear.


Are Home Warranty Companies Trustworthy?

While there are dozens of trustworthy home warranty companies to choose from, it’s important to know the red flags to look for when vetting a company. A reputable home warranty provider will typically have an accessible service contract for you to read before you enroll in a plan to give you peace of mind and clarity on what to expect.

If this agreement is difficult to find or the terms within the agreement are unclear, this could be a red flag. Similarly, if you have difficulty reaching a customer service representative or the claims process isn’t explicit, you may want to consider another provider.

The home warranty industry isn’t regulated like the insurance industry, and each state has its own rules. State agencies, such as the Department of Insurance or Consumer Protection Office, are usually responsible for regulating home warranty providers within their respective states. Trade associations such as the National Home Service Contract Association (NHSCA) and Service Contract Industry Council (SCIC) create ethical guidelines and recommended practices that trustworthy home warranty providers adhere to.

Because of the lack of regulation, cease and desist orders and other legal issues often arise. While we agree that consumers should be aware of all negative legal matters, we don’t believe that a cease and desist order or lawsuit is inherently troubling or indicative of a provider’s trustworthiness.

Below are a few notable red flags to watch out for:


How to Choose a Home Warranty

Every homeowner will have unique needs, so it’s important to research what each provider offers. In addition, providers’ offerings will vary depending on the size of your home and its location, so it’s important to confirm that a company can meet your needs before moving ahead. 

Here are some helpful tips for choosing a home warranty: 


Do Home Warranties Cover Old Appliances?

Home warranties typically cover older appliances. However, providers factor an appliance’s age into the replacement value. For example, a 20-year-old refrigerator may be eligible for a minor repair and parts replacement, but you may not be eligible for the full replacement cost if a repair isn’t possible.

In these cases, the home warranty provider will consider the appliance’s depreciated value and issue you a check for that amount to apply to the cost of your new appliance.

We suggest reviewing your home warranty contract for specific terms regarding age and limitations on preexisting conditions. In rare cases, some home warranty companies provide coverage for preexisting conditions and physically damaged appliances.


Our Recommendation

After extensively researching the home warranty industry, we’ve determined that all the providers on this list are worthy considerations for home appliance insurance.

Liberty Home Guard is a top choice because it’s one of the only providers in the industry to offer add-on upgrades for pro-series appliances, which other providers often exclude. American Home Shield is another top consideration due to its broad appliance coverage and service fee flexibility. Finally, Select Home Warranty is a solid choice for those who need baseline coverage at the lowest price point.


How We Chose the Top Home Warranty Providers

Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on our analysis of customer reviews and interviews with industry experts. Our in-depth methodology outlines our review process to provide transparent information about the companies we review.

We determined that the following factors are the most important when comparing home warranty companies: available plans, plan coverage, price range, industry reputation, customer support, and additional features. Our research supported that plan coverage, customer service, and industry reputation should carry the most weight. While important, the other factors should not have as much influence when choosing a home warranty provider.


Home Appliance Insurance FAQ

What is a service call fee?

A service call fee is similar to a deductible charged by an insurance company. Providers charge a service call fee each time you file a new claim. Typical service call fees range from $65 to $125, depending on your provider and plan selection.

What systems do home warranties cover?

Home warranties cover your home’s most essential systems, such as air conditioning, ductwork, electrical, heating, and plumbing systems, to name a few. Covered systems and coverage caps vary by provider.

What is a home warranty coverage cap?

A home warranty coverage cap is the dollar amount a provider is willing to cover for a home item breakdown. For example, if your provider covers clothes washers up to $3,000 per claim, that is the total amount it will cover when you request service. Some providers collectively cap coverage, meaning every item breakdown is subject to a set coverage cap (e.g., $10,000 per year) for the policy period.

Why is there a waiting period for my home warranty?

Most home warranty companies have a waiting period of 30 days before coverage begins because they want to ensure your system and appliance breakdowns result from normal wear and tear rather than preexisting conditions. Home warranty providers won’t cover an already broken item.

How are home warranties regulated?

State government bodies and industry associations regulate home warranties. Both entities work together to create laws that oversee providers and provide consumers with resources to improve their home warranty experience.