Cheap Home Appliance Insurance: Protect Your Home and Wallet

Are you tired of the constant worry of expensive repairs or replacements for your home appliances? Look no further than cheap home appliance insurance. This article will discuss what home appliance insurance is, the benefits of having it, and how to find affordable options.

What is home appliance insurance?

Home appliance insurance, also known as home warranty insurance, is a service contract that covers the repair or replacement of household appliances due to normal wear and tear. This type of insurance typically covers appliances such as refrigerators, ovens, washers, dryers, and dishwashers.

What appliances are covered?

Most home appliance insurance policies cover major appliances in your home, such as:

  • Refrigerators
  • Ovens
  • Stovetops
  • Washers and dryers
  • Dishwashers
  • Garbage disposals
  • Central heating and cooling systems
  • Water heaters
  • Electrical systems

The benefits of home appliance insurance

There are several benefits to having home appliance insurance, including:

  • Peace of mind: With home appliance insurance, you can rest easy knowing that your appliances are covered in case of unexpected breakdowns.
  • Cost savings: Rather than paying for expensive repairs or replacements out of pocket, home appliance insurance can save you money in the long run.
  • Convenience: Home appliance insurance providers typically have a network of pre-screened and qualified technicians, making it easy to schedule repairs.
  • Customization: Many home appliance insurance providers offer a variety of plans and coverage options, allowing you to choose the plan that fits your needs and budget.

How to find affordable home appliance insurance

Finding affordable home appliance insurance can be a daunting task, but there are several strategies you can use to find the best deal:

  • Compare multiple providers: Don’t settle for the first home appliance insurance provider you come across. Instead, research and compare multiple providers to find the best coverage and price.
  • Consider deductibles and premiums: When comparing policies, make sure to take into account the deductible and premium costs. A policy with a lower premium may have a higher deductible, which could end up costing you more in the long run.
  • Read reviews: Before choosing a provider, read reviews from other customers to get a sense of their experiences with the company.

What to consider when choosing a policy

When choosing a home appliance insurance policy, there are several factors to consider:

  • Coverage: Make sure the policy covers the appliances you want to protect.
  • Exclusions: Check for any exclusions or limitations in the policy.
  • Cost: Compare deductibles and premiums to find the best deal.
  • Reputation: Research the provider’s reputation and customer reviews.

How to file a claim

If one of your appliances breaks down, follow these steps to file a claim:

  • Contact your home appliance insurance provider.
  • Provide information about the appliance and the issue you’re experiencing.
  • Schedule a repair or replacement appointment.
  • Pay the deductible (if applicable) and any additional fees.

Tips for preventing appliance damage

While home appliance insurance can provide peace of mind, it’s important to take steps to prevent damage to your appliances. Here are some tips:

  • Read the owner’s manual: The owner’s manual provides valuable information on how to properly use and care for your appliances.
  • Clean regularly: Regular cleaning can help prevent buildup and prolong the life of your appliances.
  • Use appliances properly: Make sure to use your appliances properly and avoid overloading them.
  • Schedule maintenance: Regular maintenance can catch small issues before they become big problems.
  • Address issues promptly: If you notice an issue with one of your appliances, address it promptly to prevent further damage.

Common exclusions

While home appliance insurance policies typically cover a wide range of appliances, there are some common exclusions to be aware of, such as:

  • Appliances over a certain age: Some policies may not cover appliances that are over a certain age.
  • Pre-existing conditions: If an appliance is already damaged or has a pre-existing condition, it may not be covered.
  • Improper maintenance: If an appliance breaks down due to improper maintenance, it may not be covered.
  • Acts of God: Damage caused by natural disasters or other acts of God may not be covered.

What to do if your claim is denied

If your home appliance insurance claim is denied, there are several steps you can take:

  • Review your policy: Make sure the claim wasn’t denied due to an exclusion or limitation in your policy.
  • Contact the provider: Ask your provider for an explanation of the denial and see if there’s anything you can do to appeal the decision.
  • Seek legal advice: If you believe the claim was unfairly denied, consider seeking legal advice.

5 Cheap Home Appliance Insurance Companies in the USA:

  1. American Home Shield: American Home Shield is one of the most popular home appliance insurance companies in the USA. They offer various plans that cover a wide range of appliances and systems, and their prices start at just $39.99 per month.
  2. Choice Home Warranty: Choice Home Warranty is another affordable option for home appliance insurance. Their plans start at just $36 per month, and they cover appliances such as refrigerators, ovens, and washers and dryers.
  3. Total Home Protection: Total Home Protection offers comprehensive coverage for appliances and systems, and their plans start at just $45 per month. They also offer a 24/7 claims hotline and a 180-day workmanship guarantee.
  4. Select Home Warranty: Select Home Warranty offers affordable plans that cover appliances and systems such as HVAC and electrical. Their plans start at just $35 per month, and they offer a 30-day free trial.
  5. First American Home Warranty: First American Home Warranty offers plans that cover a wide range of appliances and systems, and their prices start at just $28 per month. They also offer a 30-day waiting period for new customers, which can be waived for an additional fee.

These are just a few of the many home appliance insurance companies available in the USA. When choosing a company, it’s important to compare prices and coverage options to find the best fit for your needs and budget.

Frequently asked questions

  1. Is home appliance insurance worth it?

Home appliance insurance can provide peace of mind and save you money in the long run, but whether or not it’s worth it depends on your individual situation.

  1. How much does home appliance insurance cost?

The cost of home appliance insurance varies depending on the provider, coverage, and deductible.

  1. Does home appliance insurance cover pre-existing conditions?

No, home appliance insurance typically does not cover pre-existing conditions.

  1. Can I choose my own repair technician?

It depends on the provider. Some home appliance insurance providers require you to use their network of pre-screened technicians, while others allow you to choose your own.

  1. How long does it take to process a claim?

The length of time it takes to process a claim varies depending on the provider and the complexity of the claim.


Home appliance insurance can provide peace of mind and save you money in the long run, but it’s important to choose the right policy and take steps to prevent damage to your appliances. By following the tips in this article, you can find affordable home appliance insurance and protect your home and wallet.

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