Best Appliance Warranty Plans for 2025: Prices and Coverage

It has an appliance-only plan. Choosing an appliance-only plan can be a cost-effective option for people who don’t want coverage for large systems, such as HVAC, electrical or plumbing.

Customers can hire their own technicians. If the company approves the contractor in advance, customers can choose their repair companies. 

Optional coverage is available for a second refrigerator and stand-alone freezer. You’ll have to pay an extra monthly fee for coverage, though.

Refrigerator coverage doesn’t include an ice maker. If you want to cover the ice maker built into your fridge, you’ll need to pay an extra fee for optional coverage.

No coverage for pre-existing conditions or malfunctions caused by rust or corrosion. If the company suspects that an issue started before you purchased the home warranty or that rust or corrosion contributed to a malfunction, it could deny your claim, leaving you to pay out of pocket for a repair. It’s not uncommon for home warranties to deny coverage because of these causes.

Liberty won’t pay for a second diagnosis by a different technician if you request one. If the company thinks the original diagnosis wasn’t accurate, it will pay for another technician to take a look at your appliance — but it won’t pay for it if you think the first technician got it wrong.

The Basic plan, which is the cheapest option, covers a lot of appliances. Despite being the company’s cheapest plan, it covers a garbage disposal and ceiling and exhaust fans. The only thing missing compared to Liberty’s coverage is a washer and dryer set. 

The ice maker is included in refrigerator coverage. This isn’t always a given, so this little addition makes the company’s fridge coverage sweeter than some competitors’ plans.

Optional coverage is available for additional refrigerators and free-standing freezers. If you’ve got an extra fridge or a free-standing freezer in your garage for additional storage, you can get coverage for them with an extra monthly fee.

It doesn’t offer an appliance-only plan. That means even if you go with the cheapest plan, you might be paying to cover items that you don’t want to cover.

Coverage for a washer and dryer set requires a higher priced plan. Coverage only kicks in with the Deluxe plan, so you’ll have to pay more per month than the Basic plan’s price to have that option.

It doesn’t cover pre-existing conditions or issues caused by rust or corrosion. This isn’t commonly covered by companies, but if you have a problem due to either issue, Old Republic won’t pay for a repair.

Old Republic only offers a 30-day guarantee on repairs. This falls within the standard guarantee range of 30 to 60 days, but it’s among the lowest guarantees offered by home warranty companies. 

The company has one of the longest repair guarantees. Depending on when an item is repaired, the repair warranty could be well beyond any competitors’ repair guarantees.

It has an appliance-only plan. This option helps you avoid paying for coverage outside of appliances.

Refrigerator coverage includes the built-in ice maker.  It has decent appliance coverage limits. Plans offer up to $2,000 in coverage for refrigerators, $1,000 for ovens/ranges/cooktops and $500 for microwaves. However, the company only covers dishwashers up to $500.

2-10 allows customers to hire technicians for second opinions. You’ll have to follow the company’s policy to ensure you do it properly to be reimbursed. This option isn’t common with home warranty companies.

Coverage limits differ by appliance. Instead of having the same limit on every appliance, 2-10’s coverage is different for each appliance.

Coverage limit for some appliances is relatively low. The appliance-only plan only pays up to $500 for a dishwasher, which might be a stretch to replace your existing dishwasher with that amount.

Multiple refrigerators are covered in the ShieldGold plan. This extra bit of coverage can be helpful if you have an extra fridge in the garage. The coverage includes the ice makers.

The ShieldPlatinum plan increases appliance coverage to $4,000 per appliance. It costs more per month, but the increased coverage limit is an option.

AHS covers malfunctions due to a lack of maintenance or rust or corrosion. It’s rare that home warranty companies cover issues related to these situations, so this is a plus.

Customers can request a second opinion. American Home Shield will pay for a different technician to diagnose an issue on a covered appliance at the customer’s request. However, if the second opinion matches the first diagnosis, you’ll have to pay a second service fee.

Customers can hire their own repair technicians if the company approves them in advance. This can be a convenience if you have a relationship with a repair company; however, American Home Shield doesn’t specify in which situations it approves a contractor outside of its network.

The company doesn’t have an appliance-only plan. This makes it a less appealing option if you don't want or need coverage for home systems, like electrical or plumbing.

American Home Shield doesn’t offer appliance coverage in its cheapest plan, ShieldSilver. You’ll have to purchase ShieldGold or ShieldPlatinum to cover your appliances, which will cost you more per month.

There is no optional coverage available for stand-alone freezers. This coverage is different from coverage for a second refrigerator, so the company won’t pay for repairs to freezers that are unattached to fridges.

Repair guarantees are only for 30 days. Although this is a standard time frame in the home warranty industry, it is shorter than some of competitors’ guarantees.

It has an appliance-only plan available. You can purchase cover only for your appliances if that’s all you need.

Plans come with a 180-day repair guarantee. It doesn’t have the best repair guarantee, but Cinch’s repair warranty of 180 days comes second only to 2-10 Home Buyers Warranty, which guarantees repairs through the end of the service agreement period.

It offers competitive coverage limits. At $2,000 per appliance, the company’s coverage is higher than that of some competitors but not at the top of available coverage limits for home warranties.

Plans cover malfunctions due to rust and corrosion. In addition to covering pre-existing conditions, Cinch also covers appliances that fail because of corrosion and rust.

Customers can’t hire their own technicians. If you don’t like the company’s technician or want a different technician to give a second opinion, the company won’t reimburse you for the cost.

There’s no optional coverage for a stand-alone freezer. Several competitors offer this additional coverage, but Cinch doesn’t have it.

Plans have high coverage limits. The Essential and Starter plans cover up to $3,500 per appliance, and the Premium plan pays up to $7,000 per appliance. These amounts are higher than most competitors’ limits.

It covers issues caused by lack of maintenance. Few companies will cover appliances if you fail to maintain them properly, so First American’s coverage extends a little further than competitors’ coverage.

Plans pay to repair issues caused by rust or corrosion, which isn’t common among home warranty companies.

Customers can request a second opinion. First American will pay for another technician to come out and give a second opinion on the cause of a malfunction; however, if the second technician agrees with the first one, you’ll have to pay a service fee for the second technician’s visit.

Customers can hire their own repair technicians. If the company can’t locate a technician in your area, it can approve you to hire your own technician. You’ll have to get the company’s approval before hiring the technician, though.

There’s no appliance-only plan. Because the company’s plans are all comprehensive, you might end up paying for coverage beyond just your appliances.

Its repair guarantee is only for 30 days. Even though 30 days is common among home warranty companies, some competitors offer longer repair warranties.