Best Home Warranties for Appliances in 2025

Our picks for best appliance coverage include Liberty Home Guard, 2-10 Home Buyers, Old Republic Home Protection and more.

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Written by 
Lead Writer & Content Strategist
Profile photo of Amanda Derengowski
Edited by 
Senior Editor & Content Strategist

Many home warranties include appliances such as refrigerators, ovens, and washer and dryer sets. But the actual coverage depends on which plan you choose. Plans differ in which repairs they pay for, how much the company pays for a repair and how long repairs are guaranteed not to fail.

We've put these companies through the paces, and here are our top picks for the best home warranty appliance coverage.

12 home warranty companies considered.

800+ quotes compared.

170+ pages of service agreements analyzed.

11 factors rated.

We've developed a rigorous scoring methodology to rate home warranty providers and inform our reviews and roundups. We sweat the details, reading service agreements to understand the nuances of each plan. Editorial integrity is important to us and we follow strict guidelines to ensure we aren't influenced by business partnerships.

NerdWallet Editorial's Picks

    Summary of top appliance home warranties

    Company
    NerdWallet rating
    Monthly premiums
    Service fees
    States available
    Learn more

    American Home Shield

    Call American Home Shield

      Limited-Time Deal: $150 off 

    on American Home Shield's website

    4.5

    NerdWallet rating 

    $20 and up

    Based on quotes collected in August 2025.

    $100 or $125

    per claim

    48

    states, and Washington, D.C.

    Call American Home Shield

      Limited-Time Deal: $150 off 

    on American Home Shield's website

    4.5

    NerdWallet rating 

    Call American Home Shield

      Limited-Time Deal: $150 off 

    on American Home Shield's website

    Choice Home Warranty

    Call Choice Home Warranty

      Limited-Time Deal: $50 off and 1st month of membership for free 

    on Choice Home Warranty's website

    3.5

    NerdWallet rating 

    About $49 and up

    Based on quotes collected in September 2025.

    $100

    per claim

    49

    states, and Washington, D.C.

    Call Choice Home Warranty

      Limited-Time Deal: $50 off and 1st month of membership for free 

    on Choice Home Warranty's website

    3.5

    NerdWallet rating 

    Call Choice Home Warranty

      Limited-Time Deal: $50 off and 1st month of membership for free 

    on Choice Home Warranty's website

    Liberty Home Guard

    (844) 451-1023

    Call Liberty Home Guard

      Limited-Time Deal: $200 off plus 2 free months of coverage 

    on Liberty Home Guard's website

    5.0

    NerdWallet rating 

    $50 and up

    Based on quotes collected in June 2025.

    $70–$125

    per claim

    50

    states, and Washington, D.C.

    (844) 451-1023

    Call Liberty Home Guard

      Limited-Time Deal: $200 off plus 2 free months of coverage 

    on Liberty Home Guard's website

    5.0

    NerdWallet rating 

    (844) 451-1023

    Call Liberty Home Guard

      Limited-Time Deal: $200 off plus 2 free months of coverage 

    on Liberty Home Guard's website

    First American Home Warranty

    Call First American Home Warranty

      Limited-Time Deal: $200 instant discount 

    on First American Home Warranty's website

    3.0

    NerdWallet rating 

    $42 and up

    Based on quotes collected in August 2025.

    $100 or $125

    per claim

    35

    states

    Call First American Home Warranty

      Limited-Time Deal: $200 instant discount 

    on First American Home Warranty's website

    3.0

    NerdWallet rating 

    Call First American Home Warranty

      Limited-Time Deal: $200 instant discount 

    on First American Home Warranty's website

    2-10 Home Buyers Warranty

    on NerdWallet

    2.5

    NerdWallet rating 

    $35 and up

    Based on quotes collected in July 2025.

    $65, $85 or $100 per claim.

    Did not disclose.

    on NerdWallet

    2.5

    NerdWallet rating 

    on NerdWallet

    Old Republic Home Protection

    on NerdWallet

    3.5

    NerdWallet rating 

    $45 and up

    Based on quotes collected in June 2025.

    $100 to $125

    per claim

    26

    states, and Washington, D.C.

    on NerdWallet

    3.5

    NerdWallet rating 

    on NerdWallet

    Best appliance-only plan: Liberty Home Guard

    NerdWallet rating: 5 out of 5 stars.

    Why it's our editorial team's pick for appliance-only plans: Among the companies we researched, it covers the most appliances in a single, appliance-only plan. Its Appliance Guard plan covers kitchen appliances and more, including a clothes washer and dryer set, exhaust and ceiling fans, and a garbage disposal.

    Who's this great for? Homeowners who want to cover only their appliances but aren't worried about ice makers.

    Coverage details: Plans pay up to $2,000 for repairs for each appliance. Liberty Home Guard has a plan to cover just appliances, so you're not spending extra money to repair systems you don't want to cover. You can also add optional coverage for a second refrigerator and stand-alone freezer, but you'll pay an extra monthly fee.

    Things to know: Liberty Home Guard doesn't repair refrigerator ice makers, even if your plan pays to repair your fridge; you have to pay extra for that coverage. The company also doesn't repair appliances with rust or corrosion damage.

    Best appliance-only plan

    Liberty Home Guard - organic
    Liberty Home Guard

    5.0

    NerdWallet rating

     

    (844) 451-1023

    M-F 9:30am-9:30pm ET, Sa 10am-7pm ET, Su 10am-6pm ET

    Call Liberty Home Guard

      Limited-Time Deal: $200 off plus 2 free months of coverage 
    Get started

    on Liberty Home Guard's website

    View details

    5.0

    NerdWallet rating

     

    (844) 451-1023

    M-F 9:30am-9:30pm ET, Sa 10am-7pm ET, Su 10am-6pm ET

    Call Liberty Home Guard

      Limited-Time Deal: $200 off plus 2 free months of coverage 
    Get started

    on Liberty Home Guard's website

    Monthly premiums
    $50 and up
    Based on quotes collected in June 2025.

    Service fees
    $70–$125
    per claim

    Monthly premiums
    $50 and up
    Based on quotes collected in June 2025.

    Service fees
    $70–$125
    per claim

    IS THIS COMPANY AVAILABLE IN MY STATE?
    IS THIS COMPANY AVAILABLE IN MY STATE?

    Best customer satisfaction: Old Republic Home Protection

    NerdWallet rating: 3.5 out of 5 stars.

    Why it's our editorial team's pick for customer satisfaction: Old Republic has the most consistent customer satisfaction record among the home warranty companies we’ve researched. The company has high marks on consumer review websites and an A+ rating with the Better Business Bureau, in part because of its response to customer issues.

    Who's this great for? Customers who value good customer service above a plan that covers all of their kitchen appliances.

    Coverage details: Old Republic covers the majority of major kitchen appliances with its Basic Plan, which is the cheapest option. The only appliance missing from the Basic Plan is a washer and dryer set. Coverage for refrigerators includes repairs to ice makers, and you can pay extra to cover a second refrigerator. Depending on the plan you choose, Old Republic will pay either $3,500 or $7,000 per appliance repair.

    Things to know: Old Republic has only comprehensive plans and doesn’t offer an appliance-only plan. Additionally, the company is available in only 25 states and Washington, D.C.

    Best customer satisfaction

    Old Republic Home Protection
    Old Republic Home Protection

    3.5

    NerdWallet rating

     
    Read review

    on NerdWallet

    View details

    3.5

    NerdWallet rating

     
    Monthly premiums
    $45 and up
    Based on quotes collected in June 2025.

    Service fees
    $100 to $125
    per claim

    Monthly premiums
    $45 and up
    Based on quotes collected in June 2025.

    Service fees
    $100 to $125
    per claim

    IS THIS COMPANY AVAILABLE IN MY STATE?
    IS THIS COMPANY AVAILABLE IN MY STATE?

    Best for pricing: 2-10 Home Buyers Warranty

    NerdWallet rating: 2.5 out of 5 stars.

    Why it's our editorial team's pick for pricing: No matter where you live, you’ll pay the same price as other 2-10 Home Buyers customers. The company doesn’t change its price based on where you live (like some home warranty companies do), so you know you’re getting a fair price. And 2-10’s plans are reasonably priced compared to its competitors’ quotes.

    Who's this great for? Customers who are on a budget and prefer a more affordable plan.

    Coverage details: A bonus with 2-10’s consistent pricing is that it has an appliance-only plan, aptly called Kitchen Appliances, which starts at $35. The plan doesn’t include all major kitchen appliances, but it does cover ice makers, ice crushers and beverage dispensers in refrigerators. You can also buy extra coverage for a second refrigerator if you’re okay paying extra each month.

    One uncommon feature is that 2-10 pays a different amount for each type of appliance repair: $2,000 for a refrigerator; $1,000 for a range, oven or cooktop; $500 for a dishwasher; and $500 for a built-in microwave. You can upgrade your package to increase total appliance coverage limits.

    Things to know: Going with 2-10’s appliance-only plan means you won’t have coverage for a washer/dryer set, garbage disposal, ceiling fans, exhaust fans or garage door opener. Additionally, 2-10’s customer satisfaction scores are lower than some of its competitors’ scores on review websites.

    Best for pricing

    2-10 Home Buyers Warranty
    2-10 Home Buyers Warranty

    2.5

    NerdWallet rating

     
    Get started

    on Money.com and 2-10 Home Buyers website

    View details

    2.5

    NerdWallet rating

     
    Monthly premiums
    $35 and up
    Based on quotes collected in July 2025.

    Service fees
    $65, $85 or $100 per claim.

    Monthly premiums
    $35 and up
    Based on quotes collected in July 2025.

    Service fees
    $65, $85 or $100 per claim.

    IS THIS COMPANY AVAILABLE IN MY STATE?
    IS THIS COMPANY AVAILABLE IN MY STATE?

    NerdWallet's Editorial Team Picks for Best Overall Home Warranties

    See which home warranties our writers and editors think are the best options for homeowners.

    Clothing, Footwear, Shoe

    Best for multiple refrigerators: American Home Shield

    NerdWallet rating: 4.5 out of 5 stars.

    Why it's our editorial team's pick for multiple refrigerators: It's uncommon for home warranty plans to cover multiple refrigerators, but American Home Shield covers them in two of its three plans.

    Who's this great for? Homes with second refrigerators in the garage for extra groceries or game-night beers.

    Coverage details: The ShieldGold plan covers up to $2,000 per appliance, and the ShieldPlatinum plan, which costs more per month, covers up to $4,000 per appliance. Coverage includes ice makers, which isn't always covered by other companies. However, American Home Shield doesn't say how many fridges it'll cover — so our bet is on two refrigerators.

    Things to know: American Home Shield doesn't have an appliance-only plan, and it doesn't include appliances in its cheapest plan, ShieldSilver. So you'll need to choose a more expensive plan to cover appliances. Keep in mind that coverage doesn't include stand-alone freezers, which are different from refrigerators.

    Best for multiple refrigerators

    American Home Shield Home Warranty organic
    American Home Shield

    4.5

    NerdWallet rating

     

    (877) 354-1408

    Call American Home Shield

      Limited-Time Deal: $150 off 
    Get started

    on American Home Shield's website

    View details

    4.5

    NerdWallet rating

     

    (877) 354-1408

    Call American Home Shield

      Limited-Time Deal: $150 off 
    Get started

    on American Home Shield's website

    Monthly premiums
    $20 and up
    Based on quotes collected in August 2025.

    Service fees
    $100 or $125
    per claim

    Monthly premiums
    $20 and up
    Based on quotes collected in August 2025.

    Service fees
    $100 or $125
    per claim

    IS THIS COMPANY AVAILABLE IN MY STATE?
    IS THIS COMPANY AVAILABLE IN MY STATE?

    Best for coverage limits: First American Home Warranty

    NerdWallet rating: 3 out of 5 stars.

    Why it's our editorial team's pick for coverage limits: First American Home Warranty pays $3,500 or $7,000, depending on your plan, to repair each appliance. Compared with its competitors, that’s a lot of coverage for appliances that might be used every day.

    Who's this great for? Homeowners who want to get the most out of approved repairs and avoid maxing out coverage.

    Coverage details: First American’s cheapest option, the Starter Plan, covers several — but not all — major kitchen appliances, including a dishwasher, microwave, oven/range/cooktop, garbage disposal and refrigerator with an ice maker. You can also add a second refrigerator to your plan for an additional monthly fee.

    And because First American has only comprehensive plans that cover appliances and systems together, it’s a bonus that the company has no coverage caps on some systems as well. (Unlimited coverage doesn’t mean every claim will be approved for a repair.)

    Things to know: You’ll have to pay more for the Essential Plan to add coverage for a washer and dryer set, garage door opener, ceiling fans and exhaust fans. And First American offers plans in only 36 states.

    Best for coverage limits

    First American Home Warranty organic
    First American Home Warranty

    3.0

    NerdWallet rating

     

    (888) 756-8528

    Call First American Home Warranty

      Limited-Time Deal: $200 instant discount 
    Get started

    on First American Home Warranty's website

    View details

    3.0

    NerdWallet rating

     

    (888) 756-8528

    Call First American Home Warranty

      Limited-Time Deal: $200 instant discount 
    Get started

    on First American Home Warranty's website

    Monthly premiums
    $42 and up
    Based on quotes collected in August 2025.

    Service fees
    $100 or $125
    per claim

    Monthly premiums
    $42 and up
    Based on quotes collected in August 2025.

    Service fees
    $100 or $125
    per claim

    IS THIS COMPANY AVAILABLE IN MY STATE?
    IS THIS COMPANY AVAILABLE IN MY STATE?

    Best for optional coverage: Choice Home Warranty

    NerdWallet rating: 3.5 out of 5 stars.

    Why it's our editorial team's pick for optional coverage: Choice Home Warranty’s add-on coverage lets customers tack on coverage for individual items that aren’t otherwise included in their plans. Choice’s optional coverage includes common items, such as freshwater pools, septic systems and well pumps. But it also offers coverage for items some of its competitors exclude, including sprinkler systems, stand-alone ice makers, stand-alone freezers and central vacuums.

    Who's this great for? Homes with systems that are often excluded from home warranty plans, such as spas and sprinkler systems.

    Coverage details: Choice doesn’t have an appliance-only plan. Its Basic Plan, which is the cheaper option, covers the majority of major kitchen appliances, such as a dishwasher, microwave and oven. But you’ll have to go with the more expensive Total Plan if you want coverage for your refrigerator and washer/dryer set. For appliances, Choice covers up to $3,000 per appliance for approved repairs.

    Things to know: Like most home warranty companies, Choice charges an additional monthly fee for each optional item you add to your coverage. How much Choice will pay toward repairs depends on the add-on item and ranges from $250 to $3,000 for approved repairs per item. Additionally, the company offers consistent pricing but doesn’t have different service fee options.

    Best for optional coverage

    Choice Home Warranty - paid
    Choice Home Warranty

    3.5

    NerdWallet rating

     

    (800) 816-1408

    Call Choice Home Warranty

      Limited-Time Deal: $50 off and 1st month of membership for free 
    Get started

    on Choice Home Warranty's website

    View details

    3.5

    NerdWallet rating

     

    (800) 816-1408

    Call Choice Home Warranty

      Limited-Time Deal: $50 off and 1st month of membership for free 
    Get started

    on Choice Home Warranty's website

    Monthly premiums
    About $49 and up
    Based on quotes collected in September 2025.

    Service fees
    $100
    per claim

    Monthly premiums
    About $49 and up
    Based on quotes collected in September 2025.

    Service fees
    $100
    per claim

    IS THIS COMPANY AVAILABLE IN MY STATE?
    IS THIS COMPANY AVAILABLE IN MY STATE?

    Best workmanship guarantee: AFC Home Warranty

    NerdWallet rating: 3 out of 5 stars.

    Why it's our editorial team's pick for workmanship guarantee: AFC’s repair guarantee is the best we’ve come across yet. The company guarantees repairs it has already paid for until you end your home warranty agreement. In other words, if you keep renewing your home warranty every year, repair guarantees for everything except plumbing stoppages carry over into the next year.

    Who's this great for? Homeowners who are worried about having to pay to repeat a repair months or years later.

    Coverage details: AFC’s appliance-only plan, the Silver Plan, is its cheapest option. It covers most major kitchen appliances and a washer and dryer set. AFC pays up to $3,000 for repairs for most of the covered appliances, but some appliances have lower coverage limits. The company also has add-on coverage for stand-alone freezers.

    Things to know: If you want to cover your microwave and ceiling and exhaust fans, you have to purchase the Platinum Plan. Because it includes more coverage than the Silver Plan, it’s more expensive. Coverage limits for microwaves and garage door openers are $500 each, and AFC will pay up to $150 for garbage disposal repairs.

    Best for workmanship guarantee

    AFC Home Warranty
    AFC Home Warranty

    3.0

    NerdWallet rating

     

    (833) 560-3576

    Call AFC Home Warranty

    Get started

    on AFC Home Warranty's website

    View details

    3.0

    NerdWallet rating

     

    (833) 560-3576

    Call AFC Home Warranty

    Monthly premiums
    $52 and up
    Based on quotes collected in July 2025.

    Service fees
    $75, $100 and $125
    per claim

    Monthly premiums
    $52 and up
    Based on quotes collected in July 2025.

    Service fees
    $75, $100 and $125
    per claim

    IS THIS COMPANY AVAILABLE IN MY STATE?
    IS THIS COMPANY AVAILABLE IN MY STATE?

    Other companies we considered

    These companies offer a variety of coverage but didn't make this year's list.

    How much does an appliance home warranty cost?

    An appliance-only home warranty plan ranges from $35 to $62 per month, according to the NerdWallet editorial team's research.

    However, not all home warranty companies have appliance-only plans, and plans that combine coverage for appliances and systems tend to be more expensive. These comprehensive plans can range from $29.99 to $119.99, according to Nerdwallet’s analysis of home warranty prices. The average price of a home warranty plan in 2025 is $62.33.

    What to know before buying a home warranty

    Reading the coverage and exclusions information in your contract is one of the most impactful things you can do to avoid costly misunderstandings in the future. You have a right to read your contract before purchasing a plan, and it’s important to understand that home warranties:

    • Always have exclusions to coverage, no matter what their sales pitches say. Read your contract carefully before purchasing a plan — especially anything listed as an exclusion or limit of liability. For example, a company might cover air conditioning systems but exclude certain parts or components, such as coils. Other companies cover plumbing repairs but won’t pay to clear all plumbing stoppages or repair certain types of leaks.

    • Are not a type of insurance. Even though some companies call their service fees deductibles, home warranties do not work the same way as insurance policies. They differ in what they cover and how they pay for repairs or replacements. A home warranty is not a supplement for homeowners insurance.

    • Limit how much they pay. If the cost of a repair or replacement goes beyond a limit stated in your contract, you’ll have to pay the difference. For example, if the bill for a repair is $2,000 and the limit is $1,500, you’re required to cover $500. This is in addition to your monthly premium and service fee.

    • Can deny your claim for several reasons. Examples include if you had work performed on a covered item without approval or you modified the system or appliance.

    • May not pay enough to cover the full cost of replacing a covered item. Home warranties often depreciate the value of items as they age, so you’ll likely have to pay at least some money to replace an item, even if it’s covered by the contract. 

    Frequently asked questions

    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. You can read more in “What Does a Home Warranty Cover?

    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.

    A home warranty won’t kick in for an appliance until the manufacturer warranty expires. Instead of guaranteeing that the original parts will work, a home warranty company agrees to pay to repair appliances in certain situations.

    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. You can read “Are Home Warranties Worth It?” to learn more about when a home warranty might be worth it.

    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.

    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.

    How we rate and review home warranties

    Our Home Services team reviews home warranty companies with our readers in mind. We provide unbiased reviews that consider several factors, including cost, covered items, coverage limits, customer ratings, ability to choose your own technician and warranty on work completed. When rating home warranties, we researched 13 companies, compared terms and conditions in their service agreements and read customer reviews from three consumer review websites. While NerdWallet does have partnerships with some home warranty companies, our editorial team is uninvolved in that process to ensure unbiased reviews and recommendations. Read more about how NerdWallet rates home warranties.