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You depend on your household appliances to get through daily life. Learn how home appliance insurance can alleviate the financial burden if they need to be repaired or replaced.

Many homeowners may panic about the sudden, unexpected expenses you’re sure to incur if a household appliance suddenly stops working, especially if you don’t have the savings to cover such an expense.

A home appliance insurance policy, also known as a home warranty, can provide peace of mind by helping you prepare for the repair and replacement costs and hassle of locating a contractor when your major appliances and home systems break down.

We at the Home Media reviews team have examined dozens of the top home warranty companies in the industry, taking into account their coverage options for your home’s most valuable appliances, such as dishwashers, refrigerators and laundry machines. We’ve also considered factors such as customer service, overall trustworthiness, number of items covered and cost.

Top Home Appliance Insurance Companies

Review these top options for your home appliance insurance needs:

*Note: All cost figures in this article are for single-family homes under 5,000 square feet in Raleigh, N.C. Exact plan prices may vary slightly by location.

American Home Shield

Availability: 49 (all but Alaska)

Year founded: 1971

American Home Shield (AHS) received 4.60 out of 5 stars in our rating system. Notably, it received high scores for its number of plan options, high coverage caps, flexible service call fee and excellent combination coverage for major systems and home appliances. AHS received our Editors’ Choice designation because it offers higher coverage caps, more covered items and a strong industry reputation with several decades of nationwide service.

Plan and Cost Breakdown

AHS offers three plans — two of which cover appliances. You can select a $75, $100 or $125 service call fee during the quote process, which will adjust your monthly fee to your liking. You can review the prices of those two plans below:

ShieldGold ($39.99–$54.99 per month)
ShieldPlatinum ($59.99–$74.99 per month)

Below you’ll find a coverage breakdown of American Home Shield’s two plans that cover appliances. It’s worth noting that American Home Shield does not offer an appliance-exclusive plan, but appliances are covered under both plans.

Coverage	ShieldGold	ShieldPlatinum
Refrigerator	✓	✓
Range/cooktop	✓	✓
Oven	✓	✓
Dishwasher	✓	✓
Built-in microwave oven	✓	✓
Clothes washer	✓	✓
Clothes dryer	✓	✓
Roof-leak repairs	–	✓
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 opener	✓	✓
Interior plumbing lines	✓	✓
Toilets	✓	✓
Faucets and valves	✓	✓
Whirlpool tub motor and components	✓	✓
Water heater	✓	✓
Roof-leak repairs	–	✓

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