Top Home Warranties for Appliances in 2026
Protect your essential home appliances from unexpected repair costs. Compare top-rated warranty providers and find the right coverage for your needs.
By NerdWallet Staff
Updated January 2026
Our Top 3 Providers
✓ MOST POPULAR
Liberty Home Guard
Compared to competitors, Liberty earns more positive customer reviews. On the Better Business Bureau, consumer ratings average about 4.5 stars out of 5, much higher than other top home warranty companies.
Choice Home Warranty
Choice Home Warranty's coverage limits for electrical, plumbing and appliances are on the high end compared to competitors.
American Home Shield
AHS founded the home warranty industry in 1971 and continues to be the largest home warranty company with over 2 million members.
Our Top 3 Providers
✓ MOST POPULAR
Liberty Home Guard
Compared to competitors, Liberty earns more positive customer reviews. On the Better Business Bureau, consumer ratings average about 4.5 stars out of 5, much higher than other top home warranty companies.
Choice Home Warranty
Choice Home Warranty's coverage limits for electrical, plumbing and appliances are on the high end compared to competitors.
American Home Shield
AHS founded the home warranty industry in 1971 and continues to be the largest home warranty company with over 2 million members.
✓ MOST POPULAR
1
Liberty Home Guard
365-Day Workmanship Guarantee.
Locked-In Rates on All Multi-Year Purchases.
Best-in-Class Add-Ons, Now Featuring HVAC Maintenance.
Labor, Installation, Removal, Disposal & Haul-Away Included.
2
Choice Home Warranty
Handled more than 8,000,000 service requests.
Covered more than 2,400,000 homes nationwide.
Nationwide network of more than 25,000 contractors.
High coverage limits on electrical and plumbing.
Limited-Time Deal: $75 off and 1st month of membership for free
Call Choice Home Warranty
3
American Home Shield
Will pay for wall damage when accessing plumbing or electrical items.
High coverage limits on electrical and plumbing.
Can choose your own contractor.
Coverage in most states.
4
First American Home Warranty
Will pay for some wall damage when accessing repairs.
High coverage limits on electrical and plumbing.
Decent customer satisfaction ratings compared to competitors.
5
Select Home Warranty
Plans Starting as Low as $39/month.
$150 off + 2 months free + Free Roof Leak Coverage.
Up to 180-day workmanship guarantees.
Discount savings of 5-75% at retailers such as Home Depot, Sams Club, and Walmart.
6
Cinch Home Services Home Warranty
Will pay for wall damage when accessing covered items.
High coverage limit.
Decent customer satisfaction ratings.
Coverage is available in 48 states.
7
First Premier Home Warranty
Comprehensive coverage for major home systems and appliances.
Easy claims process available 24/7 online or by phone.
Expandable protection with optional add-ons for customizing your warranty beyond the core plans.
Which appliances are typically covered with a home warranty?
The most common appliances covered by home warranties include refrigerators, dishwashers, built-in microwaves, ranges, ovens and cooktops. Some plans will also cover garbage disposals, exhaust and ceiling fans, garage door openers and clothes washer and dryer sets. What’s covered will vary by provider and plan.
Is a home warranty the same as an appliance warranty?
No. An appliance warranty is usually provided by a manufacturer and guarantees that an appliance won’t fail for a certain amount of time (generally 12 months). This type of warranty comes with the purchase or installation of an appliance.
Are home warranties that cover appliances worth it?
That depends on what types of coverage you want and your situation. Home warranties might be worth it for some people because their claims are approved, which can save them money. But others might feel that a home warranty wasn’t worth it because their claims were denied despite the customers paying monthly fees.
Can I get a home warranty for high-end appliances?
Some home warranty companies will cover high-end or more expensive appliances, but many won’t cover them. Read a provider’s coverage carefully and look for any terms in a service agreement that would exclude high-end or premium appliances before purchasing a plan.
Will a home warranty cover my commercial appliances?
Most home warranties won’t cover commercial brand appliances. However, some companies, including First American Home Warranty, will cover appliances that are considered commercial grade as long as the appliances aren’t used for commercial purposes. If you’re looking for coverage on a commercial appliance, talk with the home warranty company in advance to learn if your specific appliance will be covered. And if possible, look over your service agreement to find the policy in writing before buying a plan.