Best Home Appliance Insurance

We researched home appliance insurance options, and compared them based on the number of appliances covered, optional features, and payout limits.
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Home warranties provide repair and maintenance services for major home systems and appliances. Depending on the circumstances, Home warranties provide three forms of coverage: appliance, system, and combination. Specifically, home appliance insurance will cover certain appliances within the home, including refrigerators, dishwashers, and ovens.

Top 4 Home Appliance Insurance

American Home Shield
Our Partner
9.3 / 10

American Home Shield is a provider of home warranties. In terms of their appliance coverage, American Home Shield covers an industry-leading number of appliances, ranging from garage door openers to built-in microwaves. For an extra premium, AHS can add, among other features, pool and septic system coverage. American Home Shield does not enforce a plan-wide annual payout limit, but rather an itemized $3,000 cap. 

AFC Home Club
Our Partner
9.2 / 10

America’s First Choice (AFC) Home Club is a home warranty company that boasts a large contractor network as well as a unique plan breakdown. Unlike other companies, which offer appliance, system, or combination options, AFC Home Club uses an alternative ‘bronze, silver, or gold’ method. Bronze plans are very limited, and cover only a small number of systems. Appliance coverage only begins at the silver level. Optional coverage items include stand-alone freezers and spa equipment. Policies at AFC Home Club come with a plan-wide annual cap of $7,500.

Our Partner
9.2 / 10

Choice Home Warranty is a New Jersey-based provider of home warranty policies. In terms of appliance coverage, Choice will insure at least eight appliance types, such as clothes washers and dryers, refrigerators, built-in microwaves, ovens, dish washers, garbage disposals, and garage door openers. At Choice Home Warranty, optional coverage can be added to roof leaks and central vacuums, among others. Rather than enforcing a payout limit, this company only mandates a $60 service fee per claim. The actual cost will only be charged if it is less than the price of the service fee.

Home Service Club
Our Partner
9.1 / 10

Home Service Club is a provider of warranties with an emphasis on customer service and satisfaction. Their appliance coverage is extensive, with trash compactors, built-in food centers, and six other appliances included. This company’s premium appliance coverage is extensive, with 15 options presented. These range from jetted bathtubs to sewage ejector pumps to water softeners. Home Service Club’s maximum annual cap will vary between $6,000 and $9,000, depending on the specific plan.

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Comparing Home Appliance Insurance


Coverage - 25%

Reputation - 25%

Contract & Price - 15%

Claims & Service - 15%

Contractor Network - 10%

Customer Base - 10%


Editor's Choice
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