Top 4 Best homeowners appliance insurance providers

Here is Top 4 Best homeowners appliance insurance providers by

If a large home appliance breaks down, homeowners appliance insurance, usually referred to as a home warranty coverage, may provide you piece of mind by assisting you in paying for the necessary repairs and replacements as well as finding a contractor. The Marketwatch Guides Team has compiled a list of the best home warranty providers with coverage for appliances. We then evaluated and graded each supplier according to its pricing, degree of coverage, and level of client happiness.

What Is Home Appliance Insurance?

A home protection plan or a home appliance warranty are also known as “homeowners appliance insurance.” Customers receive cheap diagnostics, repairs, and replacements of crucial household equipment including HVAC systems, refrigerators, and laundry machines in return for a monthly or yearly charge. Numerous home warranty providers provide various coverage tiers, including appliance-only coverage, so you may choose the one that best suits your needs and financial situation.

What Is Home Appliance Insurance
What Is Home Appliance Insurance

In our study of 1,000 households, we discovered that over 50% of participants had to spend $700 or more only to repair one piece of household equipment. If you’re concerned about the cost of replacing and repairing appliances, homeowners appliance insurance may be able to help.

Top 4 Best Home Appliance Insurance Providers

American Home Shield

Our most seasoned supplier of homeowners appliance insurance is American Home Shield (AHS). Despite the fact that AHS does not provide homeowners appliance insurance that is only for appliances, two of its three plans do. Because it offers professional-series appliance coverage and a high coverage ceiling of $3,000 to $6,000 per item (depending on your plan), AHS is a good choice for homeowners appliance insurance coverage. 


combines appliance coverage with $3,000–$6,000 per unit coverage restrictions.

includes protection against damage from rust, silt, and corrosion

Pro-series appliances are covered by standard policies.


monthly plans are more expensive than those offered by other carriers.

gives little supplemental coverage

Depending on the plan, service call charge, and deductible option ($100 or $125), American Home Shield’s policies range in price from $30 to $100 each month. 

ShieldSilver™: $29.99–$49.99/ per month

ShieldGold™: $49.99–$69.99/ per month

ShieldPlatinum™: $79.99–$99.99/ per month

Liberty Home Guard

Our methodology gave Liberty household Guard 4.53 out of 5 stars, making it the best company to insure household appliances. Liberty has constantly improved customer communication by providing live chat assistance for consumers and a facility for customer surveys to collect input on things like add-on choices. 

We also like that Liberty provides a suitable appliance-only plan in addition to a large selection of optional add-ons from which you may pick to tailor your appliance plan. With Liberty Home Guard, you may customize your security if you have uncommon appliances like an ice machine, stand-alone freezer, second refrigerator, or pro-series appliances. 

Liberty Home Guard
Liberty Home Guard


offers a $2,000 coverage maximum per covered system, appliance, and add-on and a 

60-day workmanship warranty for repairs that have been made.

discounts to clients who buy certain new items


Pro-series appliance coverage is only available as an add-on.

Lower monthly rates aren’t necessarily the result of higher service call expenses.

Plans from Liberty Home Guard range in price from $50 to $60 a month, with the Appliance Guard plan being the least expensive. Depending on your plan, add-ons, and location, Liberty determines your service call price, which can range from $65 to $125. This is in contrast to other carriers that let you select your own service fee. 

Appliance Guard: $49.99 per month

Systems Guard: $54.99 per month

Total Home Guard: $59.99 per month

Select Home Warranty

Our rating system gave Select Home Warranty 4.54 out of 5 stars, making it the most reasonably priced service on the list. Select house Warranty offers one of the most affordable full house plans (which include appliances and home systems) for just $47.75 a month, despite having a relatively low coverage cap of $500 per appliance. The business also charges a modest $75 service fee. 


Offers two months of homeowners appliance insurance free when you pay an annual fee

includes separate freezers and additional refrigerators

Offers budget-friendly plans


Appliance coverage is capped at $500.

Coverage for undiagnosed preexisting diseases is excluded

All of Select Home Warranty’s plans have monthly fees around $50, making them an affordable choice. Additionally, Select always charges a $75 service fee, which is less expensive than most other suppliers. 

Bronze Care: $44.42 per month

Gold Care: $44.42 per month

Platinum Care: $47.75 per month

AFC Home Club

According to our rating system, America’s First Choice (AFC) Home Club has a rating of 4.52 out of 5 stars and offers the most coverage alternatives among the suppliers on our list. Three of the four options that AFC Home Club provides cover appliances. Its Silver Plan, which ranges in price from $33.83 to $38.67 per month depending on your service charge, is the least expensive appliance-only plan on our list.

Despite the inexpensive cost, you will still receive high coverage caps of $3,000 for common appliances and $1,000 for high-end equipment. 


provides coverage for up to $1,000 in repairs for pricey items.

the extension of a kind $3,000 coverage cap for typical appliances

enables you to pick the contractor you want

AFC Home Club
AFC Home Club


Demands that you submit a claim as soon as you notice a problem

Based on the amount of depreciation, prorates older, covered items.

You may alter your monthly costs with AFC Home Club’s adjustable service call charge options of $75, $100, or $125. The costs of each plan are contrasted below:

  • Silver Plan: $33.83–$38.67 per month
  • Systems Plan: $41.08–$45.92 per month
  • Gold Plan: $48.33–$53.17 per month
  • Platinum Plan: $53.17–$58 per month

Hopefully the article Top 4 Best homeowners appliance insurance providers will give you an overview of each option. help you compare and choose homeowners appliance insurance providers.


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