Best Home Warranty for High-End Appliances (2024)

AHS offers a generous $2,000 coverage cap per covered high-end appliance in the ShieldGold plan. AHS increases the appliance limit to $4,000 per appliance in its ShieldPlatinum plan. AHS customers can even cover multiple properties through their plans. AHS’s flexibility and ability to provide coverage across multiple appliances and locations make it a solid choice for owners of high-end appliances.

Provider review: American Home Shield review

Provider sample contract: American Home Shield sample contract directory

State availability: 48 (excluding Alaska and Hawaii)

Monthly cost: $29–$90

AHS provides three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. You also have the option to build your own plan. You can choose between a $100 or $125 service fee. Picking a higher fee decreased our monthly costs. Each plan includes a 30-day workmanship guarantee.

AHS does not offer annual premiums with its plans. Other providers offer monthly and annual options and typically include additional discounts and free months of service with the annual option.

AHS’s monthly pricing is as follows: 

• ShieldSilver ($29.99–$39.99 per month): Its lowest plan includes home-system-only heating, cooling, and electrical coverage.
• ShieldGold ($49.99–$59.99 per month): The next tier covers major systems and appliances, including water heaters and plumbing lines. 
• ShieldPlatinum ($79.99–$89.99 per month): This plan includes ShieldGold coverage plus additional perks, including up to $1,500 for roof-leak repairs.
• Optional add-ons: Add-on options include electronics, guest units, pools/spas, septic pumps, and well pumps.

FAHW offers a few benefits that will attract high-end appliance owners. It offers a solid $3,500 limit on high-end appliances with its Starter and Essential plans. It increases its high-end appliance limit to $7,000 per appliance in the Premium Plan. The company offers a 30-day workmanship guarantee, provides additional coverage for up to three extra refrigerators, and allows you to choose your service call fee.

Provider review: First American Home Warranty review

Provider sample contract: First American Home Warranty sample contract

State availability: 35*

Monthly cost: $47–$87
*(excluding Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont, and Wisconsin)

First American Home Warranty provides three plan options: the Starter Plan, the Essential Plan, and the Premium Plan. Homeowners can opt for a $75, $100, or $125 service call fee for their plan. Its Starter and Essential plans include a $3,500 coverage cap, and the Premium Plan covers up to $7,000. The Premium Plan is applicable for high-end appliances. Every plan includes a 30-day workmanship guarantee.

The Essential and Premium plans also include the First American Advantage upgrade, which covers the following items:

• Refrigerant recapture, reclaim, and disposal
• Removal services for appliances and systems
• Up to $250 for a building permit
• Fees associated with cranes and other lifting equipment
• Repairs and replacements on items that malfunction due to improper maintenance or installation

We received quotes for both annual and monthly plan premiums. Expect to pay between $480 and $960 for annual premiums. First American offers no bonus perks for choosing an annual plan.

FAHW’s monthly pricing is as follows:

• Starter Plan ($47–$62 per month): This plan covers built-in microwaves, dishwashers, ductwork, electrical systems, heating, plumbing systems, ovens/cooktops, plumbing stoppages, refrigerators, and toilet tanks, bowls, and mechanisms.
• Essential Plan ($57–$72 per month): This plan includes everything in the Starter Plan plus air conditioning, ceiling/attic/exhaust fans, clothes washers, clothes dryers, the First American Advantage upgrade, garage door openers, trash compactors, and water heaters.
• Premium Plan ($72–$87 per month): This plan covers all items in the Essential Plan plus full garage door systems, instant hot water dispensers, luxury appliances, shower heads and arms, and window air conditioning units.
• Optional add-ons: Add-ons include additional refrigeration, air conditioning for the Starter Plan, HVAC tune-ups, limited roof-leak coverage, pool and spa equipment, septic tank systems and pumping, water softeners, and well pumps. First American offers limited roof-leak coverage for less than $9 per month.

LHG provides a $2,000 coverage cap per covered item. It also includes an extended 60-day workmanship guarantee per completed repair. That means Liberty Home Guard will repair your pro-series appliance again without charging you a service call fee if it breaks down within 60 days of a repair.

Provider review: Liberty Home Guard review

Provider sample contract: Liberty Home Guard sample contract

State availability: 50

Monthly cost: $49–$60

Liberty Home Guard offers three plans: Appliance Guard, Systems Guard, and Total Home Guard. You can purchase pro-series appliance coverage in each plan. Liberty Home Guard’s base plan doesn’t cover luxury or professional series appliances; however, it offers it as optional add-on coverage. LHG prices its pro-series appliances from $9.99 to $24.99 per month.

The company’s service call fees fall between $65 and $125. Our team spoke with a representative who said the company assigns your service call fee based on your plan, add-ons, and location.

You can choose from monthly and annual premium rates for your coverage. Expect to pay between $499 and $599 annually for LHG plans. We learned that LHG doesn’t offer additional discounts or bonus coverage for annual plans.

LHG’s monthly pricing is as follows:

• Appliance Guard ($49.99 per month): This plan offers appliance-only coverage for major appliances, including dishwashers, clothes washers, and refrigerators.
• Systems Guard ($54.99 per month): Your plan includes coverage for built-in systems, such as heating, ductwork, and electrical. 
• Total Home Guard ($59.99 per month): The highest plan includes covered items and systems from the Appliance Guard and Systems Guard plans.
• Optional add-ons: LHG offers 38 add-on coverage options, such as pest control, lawn sprinkler systems, floor cleaning, and generators.

Although Select offers a relatively low $500 coverage cap per high-end appliance, its Platinum Care plan covers 17 appliances and systems, and customers have two days to file a claim for an item rather than the industry standard of one day. Through its add-ons, Select also provides coverage to more luxury appliances, such as a second refrigerator, a stand-alone freezer, a lawn sprinkler system, and an ice maker.

Provider review: Select Home Warranty review

Provider sample contract: Select Home Warranty sample contract

State availability: 47 (excluding Nevada, Washington, and Wisconsin)

Monthly cost: $44–$48

Select Home Warranty provides three plans: Bronze Care, Gold Care, and Platinum Care. Select charges customers a small service fee of $60–$75. The fee will vary based on how you sign up for coverage. The lower service call fee is only available when you sign up over the phone.

You can choose from annual or monthly premium options. Expect to pay between $479 and $524 annually. Our sample annual quote included up to $150 off premium costs and two additional months of coverage for 14 months total.

Select Home Warranty’s monthly pricing is as follows: 

• Bronze Care ($44.42 per month): Its appliance-only plan includes major appliances, such as dishwashers, garbage disposals, and clothes washers and dryers.
• Gold Care ($44.42 per month): The system-only plan includes major home systems, such as heating, plumbing, electrical systems, and air conditioning.
• Platinum Care ($47.75 per month): The highest plan combines the Bronze and Gold Care coverage plus additional items, such as garage door openers and luxury appliance coverage.
• Optional add-ons: Add-ons include central vacuums, lawn sprinkler systems, pools, septic systems, stand-alone freezers, sump pumps, and well pumps.