Protect your appliances with the best home warranties

• USA TODAY reviewed over 20 home warranty companies to find the best options for appliance coverage.
• Key factors to consider when choosing a warranty include coverage caps, workmanship guarantees, and customization options.
• Top providers were selected for specific strengths like high coverage caps, budget-friendliness, and the ability to choose your own technician.

Choosing the right home appliance warranty can save you thousands in repair and replacement costs. To help you make an informed decision, the USA TODAY team reviewed more than 20 leading home warranty companies and identified the best options based on coverage, value, reliability and customer experience.

Below, you’ll find a quick breakdown of what makes each provider stand out, followed by why it earned a spot on our best appliance warranties list.

USA TODAY Home appliance warranty top picks

• Liberty Home Guard: Best for customization
• 2-10 Home Buyers Warranty: Best for kitchen appliances
• HomeSafe: Best for choosing your own technician
• American Home Shield (AHS): Best for high coverage caps
• Super Home Warranty: Best for tech-forward coverage
• Cinch Home Services: Best for long workmanship guarantee
• First Premier Home Warranty: Best for tight budgets

How USA TODAY ranks the best home appliance warranties

The USA TODAY team uses an in-house ranking system to review each home warranty provider. This rating system is unbiased and objective, and takes into account cost, coverage, company reputation and services.

About the author

Alora Bopray is an editor and writer who has covered the home services industry for nearly a decade. She is an avid DIYer who uses her own successes (and mistakes) to educate homeowners on how to take better care of their homes.

Choosing the right warranty plan for your appliances

Not sure which home warranty provider is right for you? One of these scenarios might help:

• “We’ve got a high‑end French‑door fridge and a pro range.” Favor higher per‑appliance caps (American Home Shield) to avoid big out‑of‑pocket costs.
• “We want fewer headaches if a repair doesn’t stick.” Look at the length of the workmanship guarantee. Cinch (180 days) and 2‑10 (plan‑length) are standouts.
• “We’ve got a basement fridge and a smart wall oven.” Liberty Home Guard's 40+ add‑ons make it easy to tailor coverage. Many providers won't cover extra appliances unless you add them.
• “We don't want a hard claims process.”Super’s model uses a moble app that lets you submit claims from your phone.
• “We trust our local appliance tech and want to keep using them.” HomeSafe lets you choose your own licensed contractor.

Best appliance warranties of 2026

Choosing the right appliance warranty can make a major difference in long‑term repair costs and peace of mind. We used our in-house methodology to review the industry’s top providers and rank them based on coverage strength, customization, service quality and appliance‑specific benefits.

Liberty Home Guard: Best for customization

What stands out

• 40+ add‑ons for complete customization
• High customer satisfaction across third-party review channels.
• Appliance/system coverage up to $2,000 per item.

Traditional home warranty plans won't cover extra appliances, but with a plan from Liberty Home Guard, you can get every appliance in your home covered with one warranty plan. While their plans cover all the basics, the company has more than 40 add-on options to further customize your plan. Everything from extra refrigerators and standing freezers to luxury appliances and home services options are available.

2‑10 Home Buyers Warranty: Best for kitchen appliances

What stands out

• Offers a plan‑length workmanship guarantee.
• Straightforward plan structure with appliance‑specific add‑ons.
• Low service $75 call fee option.

Want to prioritize just your kitchen appliances? 2-10 Home Buyer's Warranty is the provider for you. They offer plans that cover just your basic kitchen appliances like refrigerators, ovens, dishwashers and microwaves. The plans are cheap too, starting at less than $30 for an appliance-only plan.

2-10 Home Buyer's Warranty also has a long workmanship guarantee that lasts the length of your plan, so you don't have to worry about paying for repeat repairs. Further, offers low service call fees mean you don't have to pay much when you need a technician out to your home.

However, laundry appliances may cost an additional monthly fee depending on your plan.

HomeSafe: Best for choosing your own technician

What stands out

• Choose your own licensed contractor.
• Short 20‑day waiting period.
• Multiple plan options

If you want to choose your own service technician to complete your appliance repair, then HomeSafe is a good option. Instead of assigning whichever repair company is in network near your home, HomeSafe let's you choose the company you work with. Being able to select your own licensed technician means you aren’t limited to a provider’s network and can work with someone you trust.

HomeSafe's short 20-day waiting period allows you to make claims 10 days sooner than the competition. Its coverage spans major appliances through appliance, systems or combination plans, so you can choose the warranty plan that best meets your needs.

American Home Shield: Best for high coverage caps

What stands out

• High appliance limits — up to $4,000 per appliance on ShieldPlatinum.
• Covers unknown pre‑existing conditions
• Includes roof‑leak coverage in the top-tier plan.

If you have older appliances that you know will probably need full replacement, then American Home Shield is one of your best options. This provider offers some of the highest coverage caps in the home warranty industry, at up to $4,000 per appliance and $50,000 in repairs each year.

American Home Shield is also one of the few providers to offer coverage for unknown pre-existing conditions, meaning you won't have to pay out-of-pocket if you buy a home with an appliance that is about to go out (as long as you didn't know about it ahead of time).

Further, AHS has decades of experience and a track record of strong, comprehensive appliance coverage. American Home Shield also includes perks that you rarely see, like HVAC-tune-ups.

Super Home Warranty: Best for tech‑forward coverage

What stands out

• App‑based claims and scheduling.
• Integrates home maintenance services like HVAC tune‑ups and vent cleanings.
• Covers unknown pre‑existing conditions.

Super brings a modern approach to home warranties with its easy-to-use digital-first platform. Super knows how stressful it can be when one of your most used kitchen appliances breaks. So instead of logging on to a desktop or calling the customer service line, you can submit claims using Super's mobile app.

Super home warranty also has high appliance coverage limits of $10,000, so you likely won't have to pay any extra to repair your kitchen and laundry appliances.

Cinch Home Services: Best for long workmanship guarantee

What stands out

• 180‑day workmanship guarantee.
• Appliance perks like rust/corrosion coverage.
• Fast response times, sometimes within two hours.

Unlike some home warranty companies that take up to 72 hours to process a claim, Cinch Home Services approves claim requests in as little as two hours. This means you can get a service technician out to your home quickly.

National availability, a six-month workmanship guarantee and affordable home appliance plans make Cinch a good choice for any homeowner looking to get coverage for kitchen and laundry appliances.

First Premier Home Warranty: Best for tight budgets

What stands out

• Low service call fees.
• Quick claim handling, with claims often processed within 24 to 48 hours.
• Platinum plan adds expansive appliance coverage, including refrigerators and full laundry sets.

If budget is your primary concern, First Premier Home Warranty is a solid contender. With low monthly rates of less than $52 per month and cheap $75 service fees, your appliances are covered. Coverage caps are up to $3,000 per appliance, so this home warranty is a stellar deal.

The base plans cover all your important home appliances, and the more than 20 add-ons make it a customizable option.

How much does an appliance home warranty cost?

Home appliance warranties generally cost between $30 and $45 per month, with some outliers costing more than $60 per month. Home warranties for appliances tend to be cheaper because they don't include home systems like your HVAC, plumbing and electrical. If you want both home appliances and systems covered, you'll need a comb plan, which runs higher at $50 to $60 per month or more.

What to look for in a home appliance warranty

• Coverage caps: Make sure the per‑appliance cap matches the price of the appliance you have. Pro ranges and built‑ins often require higher limits for full coverage. For example, AHS covers up to $4,000 per appliance with ShieldPlatinum.
• Workmanship guarantee length: Longer guarantees save you repeat service fees if a repair fails. Providers like Cinch Homes Warranty have 180 day-warranty plans, and 2‑10 Home Buyer's Warranty offer a workmanship guarantee that lasts the length of your plan.
• Add‑ons and customization: If you have extra fridges, ice makers or smart appliances, look for robust add‑ons. Liberty Home Guard has more than 40 options to choose from.
• Claims speed and flexibility: App‑based claims and the ability to choose your own licensed tech can be quality‑of‑life boosters. Companies like HomeSafe make submitting a claim easier than ever.

Frequently asked questions

Are home warranties different from manufacturer warranties?

Yes. Manufacturer warranties are tied to a single new appliance and expire quickly. Home warranties cover multiple appliances (and often systems) against wear and tear, regardless of age.

Do warranties cover pre‑existing issues?

Some do. American Home Shield covers unknown pre‑existing conditions and improper installations.

What’s a workmanship guarantee, and why should I care?

A workmanship guarantee is how long the company stands behind the repair it arranged. Longer windows reduce your risk of paying another service fee if the fix fails.

Can I customize coverage for extra appliances?

Yes. Liberty Home Guard is known for extensive add‑ons. You can include second fridges, pro‑grade kitchen appliances and more.