What should you do if your refrigerator breaks down in the middle of summer? Or does your washing machine start leaking water when you need it most? Call your home warranty provider.
The best appliance warranty companies will offer coverage for all your kitchen and laundry appliances and will have high coverage limits to ensure you don’t end up paying a dime if repairs are needed. Based on the USA TODAY team’s internal ranking system, these top seven companies rank higher than the rest.
Why trust USA TODAY?
The team at USA TODAY personally reviews the home warranty companies we consider for our top appliance warranties list. We collect actual quotes, read service contracts, and contact customer service representatives to fully understand what each company has to offer. Our combined experience spans more than 25 years of rigorous journalistic practice.
Best Appliance Warranty Company of 2026
- 2-10 Home Buyer Guarantee: Ideal for covers for home appliances
- Super Home Warranty: Ideal when appliance coverage limits are high
- Home safe: Ideal for comprehensive protection
- Liberty home security guard: Ideal for additional coverage
- Cinch home service: Ideal for long-term finish guarantees
- First Premier Home Warranty: Perfect for budget-friendly coverage
- American Home Shield: Perfect for high coverage caps
2-10 Home Buyer Warranty: Ideal for covering kitchen appliances
- Fee: $32-42 per month
- Service fee: $65 – $100
- Upper limit of coverage: Up to $2,000 per system or appliance
The Simply Kitchen Plan’s 2-10 Home Buyer Warranty is perfect for homeowners who want focused protection for their kitchen appliances. Kitchen appliances only plans are ideal for those who prioritize coverage for essential cooking and food storage appliances. This plan is especially great for homeowners with older kitchen appliances or who don’t want to pay a premium for whole-home coverage.
The company also offers secondary appliance coverage as a bonus for households with additional units. Coverage limits are lower than some competitors and laundry appliances require a separate add-on, but affordable monthly fees and professional kitchen protection make this plan a strong candidate for appliance coverage.
Strong Points:
- Guaranteed workmanship over a long-term planning period
- Kitchen appliances only plans start at $32/month
- Secondary appliance coverage
Cons:
- Lower coverage limits than some competitors
- various customer reviews
- Laundry appliances will be added separately.
Super Home Warranty: Ideal if your appliance coverage is maxed out.
- Fee: $52 to $116 per month
- Service fee: $75
- Upper limit of coverage: Unlimited system. $10,000 appliances
The Super Home Warranty includes the industry’s highest appliance coverage limits of up to $10,000 on appliances. This makes it a great option for expensive home appliances, as you likely won’t have to pay anything other than the $75 service fee.
Customers appreciate its wide range of add-on options (23 in total) and generally positive reviews. While basic plans are expensive and have limited availability in certain areas, generous limits and comprehensive coverage make Super Home Warranty a top home warranty provider.
Strong Points:
- Cap with high coverage to cover repairs and replacements
- positive customer reviews
- 23 add-ons available
Cons:
- expensive basic plan
- limited quantity
- The quality of engineers varies by region
HomeSafe: Perfect for comprehensive protection
- Fee: $69 – $79 per month
- Service fee: $65
- Upper limit of coverage: Up to $5,000 for systems. Up to $2,000 for appliances
HomeSafe is perfect for homeowners looking for robust, comprehensive coverage. With limits of up to $5,000 for systems and $2,000 per appliance, repairs and replacements are well covered. HomeSafe’s short waiting period of 20 days means you can file your claim up to 10 days faster than other providers.
One of the main benefits of HomeSafe is its low service fee of $65, which is a much lower cost than the industry average. Despite a higher monthly cost and fewer add-on options than some competitors, HomeSafe’s combination of high coverage limits and reliable service makes it a standout for comprehensive protection.
Strong Points:
- Service call rates as low as $65
- 20 day waiting period
- Extensive coverage caps for home appliances
Cons:
- Monthly fee is high
- Fewer add-on options than some competitors
Liberty Home Guard: Great for extra coverage.
- Fee: $55-65 per month
- Service fee: $70
- Upper limit of coverage: $2,000 per system or appliance
Liberty Home Guard is well known for its customization options. There are three basic plans to choose from, but you can further customize your home warranty plan by adding one of over 40 add-ons. Liberty Home Guard also includes options for luxury appliances that most other home warranty providers exclude.
With a competitive limit of $2,000 per appliance and positive reviews from customers, Liberty Home Guard is a worthy provider. However, reporting bill denials on older appliances or systems with lower limits is a drawback to consider.
Strong Points:
- Competitive coverage limits per appliance
- Choose from over 40 add-ons
- Coverage for high-end home appliances is also available.
Cons:
- Lower system coverage cap
- Claims may be denied due to outdated systems or appliances
Cinch Home Services: Ideal for long-term workmanship guarantees
- Fee: $22 to $59 per month
- Service fee: $150
- Upper limit of coverage: System total $10,000. $2,000 per appliance
Cinch Home Services guarantees reliable home appliances with limits up to $2,000 per unit and offers the longest workmanship guarantee in the home warranty industry at 180 days. This guarantees repairs for almost six months, underscoring the company’s quality of service. Cinch also covers unknown and pre-existing conditions that many competitors exclude. This inclusion means that even if the problem started before you were eligible for coverage, you can still file a claim against your appliance and your claim may still be approved.
Our $150 service fee is double the industry average, but we offer affordable monthly fees. So, if you plan on making a lot of claims with your Cinch Home warranty, be prepared to pay more out-of-pocket than with other providers.
Strong Points:
- 180 days long term quality guarantee
- Covers unknown existing diseases
- affordable monthly fee
Cons:
- High service charge of $150
- various customer reviews
First Premier Home Warranty: Best for budget-friendly coverage
- Fee: $45 to $52 per month
- Service fee: $75
- Upper limit of coverage: Up to $1,500 per system. Up to $3,000 per appliance
First Premier combines affordability with strong appliance protection, offering coverage limits of up to $3,000 per appliance (higher limits than most other products on this list). Competitive monthly costs and an affordable $75 service fee are attractive to budget-conscious homeowners who need solid coverage.
Although system caps are low and plan flexibility is limited, a wide range of add-ons and generous appliance limits make First Premier a good choice for homeowners looking for value without sacrificing protection for major appliances.
Strong Points:
- High coverage limits for appliances
- Competitive monthly costs and service fees
- Rich add-on options
Cons:
- System low coverage cap
- Limited plan flexibility
American Home Shield: Best for high coverage caps
- Fee: $50 to $100 per month
- Service fee: $100 or $125
- Upper limit of coverage: Up to $5,000 per system. Up to $4,000 per appliance
Although we don’t offer appliance-only plans and have few add-on options, American Home Shield leads the industry with appliance coverage caps of $4,000 per unit and annual limits of $50,000. Therefore, it is ideal for homes that use expensive home appliances.
American Home Shield also includes extras like HVAC tune-ups and roof repair coverage, which add great value to your plan. Although service fees and comprehensive plan costs are higher than average, its extensive coverage and pre-existing condition inclusion make it a top choice for homeowners looking for maximum protection for their appliances and many additional benefits.
Strong Points:
- Annual coverage limit of $50,000
- Covers unknown existing diseases
- Includes $1,000 in additional fees such as HVAC adjustments and roof repairs
Cons:
- high service charge
- The most comprehensive plans come at a high cost
Honorable mention
The best home warranties for appliances offer affordable coverage plans with few exclusions and high coverage limits. These home warranty providers were not included in our list for one of the following reasons, but are still great options for home warranty coverage.
- Select home warranty: Select Home Warranty offers an appliance-only plan that includes eight kitchen appliances and laundry appliances, but its coverage limits are lower than the industry average.
- Home serve: With HomeServe, you can build a home warranty plan that fits your needs, but adding multiple appliance plans can be expensive.
- American Preferred Home Warranty: America’s Preferred Home Warranty has several plans that include all of your most important home appliances, but the coverage limits are much lower than our competitors.
What does the appliance warranty cover?
Appliance warranties cover the cost of repairing and replacing your most important appliances, usually kitchen appliances and laundry appliances. Some providers also include water softeners, ceiling and exhaust fans, wine coolers, and standalone freezers, but these appliances are usually included in your plan.
- refrigerator
- dishwasher
- built-in microwave
- oven/stove/stove
- oven range
- clothes washing machine
- clothes dryer
- Garbage disposal
Home appliance warranties and home appliance insurance
There are significant differences in warranties for different types of appliances. Both provide financial protection, but they work differently.
- Home Warranty: A home warranty is a service contract that covers the repair or replacement of major home systems and appliances due to normal wear and tear. Usually, they are purchased every year, so you don’t have to worry about unexpected breakdowns.
- Warranty for home appliances: This is a type of home warranty that specifically focuses on home appliances such as refrigerators, ovens, and washing machines. If these items break down through everyday use, we guarantee they will be repaired or replaced.
- Manufacturer warranty: This warranty is included with most new appliances and covers defects in materials or workmanship for a limited time (usually 1 to 3 years). Wear and accidental damage is not covered.
- Extended warranty: Extended warranties extend the manufacturer’s warranty and are often purchased at the time of sale. They can add years of protection, but typically only apply to specific appliances.
How to rank home warranty companies
To create our list of the top seven appliance warranty companies, the USA TODAY team researched 21 home warranty providers, 20 of which met our criteria for consideration on our best list. We use an in-house methodology to rank each company. The ranking consists of five overarching categories and 22 individual factors.
Frequently asked questions about home warranty companies
Which company has the best warranty on appliances?
2-10 Home Warranty offers the best home appliance warranties according to the USA TODAY team’s ranking system. They have great plans for kitchen appliances only and are perfect for homeowners who don’t want to pay extra for systems they don’t need covered.
What is the best month to buy a home warranty?
The best month to purchase a home warranty is the month you purchase your new home. Most home warranty companies run promotions for new customers throughout the year, so you’re more likely to get a deal no matter when you sign up.
How much does an extended warranty typically cost?
Home warranties cost an average of $43 to $60 per month, but this is often the most basic coverage. For more comprehensive plans, expect to pay between $55 and $100 per month.
