Home appliances are an essential part of our daily lives. We rely on them to keep our homes running smoothly and comfortably. However, these appliances can break down unexpectedly, leaving us with the burden of costly repairs or replacements. This is where home appliance insurance comes in handy. In this article, we will explore what home appliance insurance is, how it works, and the best options available for you.
Table of Contents
What is Home Appliance Insurance?
Home appliance insurance, also known as a home warranty, is a type of insurance policy that covers the cost of repairs or replacements for major home appliances and systems. These may include refrigerators, ovens, washers, dryers, air conditioning units, heating systems, and more.
Unlike homeowners’ insurance, which covers damages to your home caused by natural disasters or accidents, home appliance insurance covers the cost of repairs or replacements due to normal wear and tear or mechanical breakdowns.
How Does Home Appliance Insurance Work?
Home appliance insurance works by paying a monthly or annual fee to a provider in exchange for coverage on your home appliances and systems. When a covered appliance breaks down, you can file a claim with your provider, who will then send a licensed technician to repair or replace the appliance.
Depending on the provider and the plan, there may be a service fee or deductible that you will need to pay for each service call. Additionally, some providers may have limitations or exclusions on certain appliances or systems.
Benefits of Home Appliance Insurance
Home appliance insurance offers several benefits, including:
Cost Savings
Home appliance insurance can save you money on costly repairs or replacements. Instead of paying out-of-pocket for a repair or replacement, you can file a claim with your provider and have the cost covered by your policy.
Convenience
Home appliance insurance provides a convenient solution for unexpected breakdowns. Rather than spending time researching repair technicians or replacements, you can simply file a claim with your provider and have them take care of it for you.
Peace of Mind
Knowing that your appliances and systems are covered by a home appliance insurance policy can provide peace of mind. You won’t have to worry about unexpected breakdowns or the cost of repairs, which can be a significant source of stress for homeowners.
What to Look for When Choosing Home Appliance Insurance?
When choosing home appliance insurance, it’s important to consider the following factors:
Coverage
Make sure that the provider offers coverage for the appliances and systems that you need to be covered. Look for plans that have comprehensive coverage, including appliances, systems, and components.
Service Call Fees
Some providers may charge a service call fee or deductible for each service call. Make sure to understand the costs associated with filing a claim and the deductibles you will have to pay.
Provider Reputation
Research the provider’s reputation and read reviews from other customers. Look for providers with high customer satisfaction ratings and positive feedback from previous customers.
Plan Flexibility
Choose a provider that offers plan flexibility, allowing you to customize your coverage based on your needs and budget.
Top Home Appliance Insurance Providers
Here are some of the top home appliance insurance providers available:
- American Home Shield
- Choice Home Warranty
- Select Home Warranty
- Liberty Home Guard
- Total Home Protection
American Home Shield
American Home Shield, Choice Home Warranty, Select Home Warranty, Liberty Home Guard, and Total Home Protection are all companies that provide home warranty services to homeowners in the United States.
American Home Shield is one of the largest and oldest home warranty providers in the US, offering coverage for appliances, systems, and more.
American Home Shield Phone Number
When it comes to home repairs, American Home Shield is a trusted name in the industry. They provide homeowners with peace of mind knowing that their appliances and systems are covered under their warranty plans. However, what happens when you need to contact them for assistance? This is where having the American Home Shield phone number readily available can come in handy.
The American Home Shield phone number can be found on their website or by simply searching online. It’s important to have this number saved in your contacts or written down somewhere easily accessible in case of emergencies. When you call the American Home Shield phone number, you will be connected with a customer service representative who will assist you with any questions or concerns you may have regarding your warranty plan.
American Home Shield Phone Number 800 776 4663, It’s important to note that there may be times when wait times on the phone can be longer than expected due to high call volumes.
Choice Home Warranty
Choice Home Warranty is a home warranty provider that offers customizable plans to homeowners in the United States. Their plans cover a wide range of systems and appliances, as well as additional items such as pool and spa equipment.
With Choice Home Warranty, customers can choose from a variety of plans that fit their specific needs and budget. The plans cover many of the essential systems and appliances in a home, including HVAC systems, electrical systems, plumbing systems, refrigerators, and dishwashers.
In addition to these standard items, Choice Home Warranty also offers coverage for additional items that are not typically covered by other home warranty providers. These additional items can include pool and spa equipment, sump pumps, well pumps, and more.
The customizable plans offered by Choice Home Warranty allow customers to choose the level of coverage they need for their specific situation. This means that customers can tailor their plans to include only the items they need, which can help to keep costs down.
Overall, Choice Home Warranty provides a range of flexible home warranty plans that offer coverage for a variety of systems, appliances, and additional items like pool and spa equipment. With their customizable plans, homeowners can choose the coverage they need and get peace of mind knowing that their home is protected.
Select Home Warranty
Select Home Warranty is a home warranty provider that offers a variety of plans to homeowners in the United States. Their plans provide coverage for many of the essential systems and appliances in a home, as well as additional items like roof leaks.
Select Home Warranty offers three primary plans: Bronze Care, Gold Care, and Platinum Care. Each plan covers a different set of systems and appliances, with Platinum Care providing the most comprehensive coverage.
Bronze Care covers essential appliances like refrigerators, dishwashers, and ovens, as well as major systems like plumbing, electrical, and heating. Gold Care expands upon this coverage, including air conditioning and garage door openers, while also offering coverage for additional items like ceiling fans and faucets.
The Platinum Care plan provides the most comprehensive coverage, including all of the items covered by Bronze and Gold Care, as well as additional items like roof leaks and central vacuums.
Select Home Warranty also offers optional coverage for items like pool and spa equipment, well pumps, and septic systems. This optional coverage allows homeowners to tailor their plans to their specific needs and budget.
One of the unique features of Select Home Warranty is their 24/7 claims hotline, which allows customers to file a claim at any time of day or night. They also offer a service recall period of 90 days, which means that if a covered item fails within 90 days of the original repair, Select Home Warranty will cover the cost of the repair.
Overall, Select Home Warranty provides a range of customizable plans that offer coverage for many of the essential systems and appliances in a home, as well as additional items like roof leaks. With their 24/7 claims hotline and service recall period, Select Home Warranty aims to provide peace of mind to homeowners and protect their homes from unexpected repairs and expenses.
Liberty Home Guard
Liberty Home Guard is a home warranty provider that offers a range of plans to homeowners in the United States. They provide coverage for many of the essential systems and appliances in a home, as well as additional items like roof leaks and sprinkler systems.
One of the unique features of Liberty Home Guard is that their plans have no age restrictions on covered items. This means that even if an item is old or has pre-existing conditions, it can still be covered by their home warranty plans.
Liberty Home Guard offers a variety of plans to choose from, including Appliance Guard, System Guard, and Total Home Guard. Appliance Guard covers essential appliances like dishwasher, refrigerators, ovens, and washers and dryers, while System Guard covers major systems like HVAC, electrical, and plumbing. Total Home Guard provides the most comprehensive coverage, including all of the items covered by Appliance and System Guard, as well as additional items like garage door openers and ceiling fans.
Liberty Home Guard also offers optional coverage for items like pool and spa equipment, well pumps, and septic systems. This optional coverage allows homeowners to customize their plans to their specific needs and budget.
Another unique feature of Liberty Home Guard is their selection of add-on services. These services include things like pest control, carpet cleaning, and lawn maintenance, and can be added to a plan for an additional fee.
Overall, Liberty Home Guard offers a range of customizable plans that provide coverage for many of the essential systems and appliances in a home, as well as additional items like roof leaks and sprinkler systems. With no age restrictions on covered items and a variety of add-on services available, Liberty Home Guard aims to provide comprehensive coverage and peace of mind to homeowners.
Total Home Protection
Total Home Protection is a home warranty provider that offers a variety of plans to homeowners in the United States. Their plans provide coverage for many of the essential systems and appliances in a home, as well as additional items like roof leaks and garage door openers.
Total Home Protection offers three primary plans: Gold, Platinum, and optional coverage for add-ons. Each plan covers a different set of systems and appliances, with Platinum offering the most comprehensive coverage.
Gold Plan covers essential appliances like refrigerators, dishwashers, and ovens, as well as major systems like plumbing, electrical, and heating. Platinum Plan expands upon this coverage, including air conditioning and garage door openers, while also offering coverage for additional items like faucets and roof leaks.
Total Home Protection also offers optional coverage for items like pool and spa equipment, well pumps, and septic systems. This optional coverage allows homeowners to tailor their plans to their specific needs and budget.
One of the unique features of Total Home Protection is their service guarantee. If a covered item fails within 90 days of the original repair, Total Home Protection will cover the cost of the repair. They also offer a 24/7 claims hotline, which allows customers to file a claim at any time of day or night.
Total Home Protection also offers a free HVAC tune-up and a free termite inspection with each plan, which can help homeowners identify potential issues and prevent future repairs.
Overall, Total Home Protection provides a range of customizable plans that offer coverage for many of the essential systems and appliances in a home, as well as additional items like roof leaks and garage door openers. With their service guarantee, 24/7 claims hotline, and free inspections, Total Home Protection aims to provide peace of mind to homeowners and protect their homes from unexpected repairs and expenses.
Conclusion
Home appliance insurance provides a cost-effective and convenient solution for unexpected breakdowns of major home appliances and systems. When choosing a provider, make sure to