Best Home Warranties for High

Buying high-end appliances is a smart investment, but these appliances can still break down from use over time. A home warranty provides peace of mind by protecting you from expensive repairs when this happens.

We at the Guides Home Team have carefully reviewed the best home warranty providers in the United States and highlighted the best options for high-end appliances in this article.

Here are our top choices for home warranties that cover high-end appliances:

► Year founded: 1971

► State availability: 49 (excludes Alaska)

American Home Shield (AHS) covers all parts and components of your high-end appliances, which other providers don't do. AHS is also our all-around editors’ choice due to its generous coverage cap limit (up to $6,000) and coverage of known and unknown preexisting conditions.

Here are a few highlights of AHS’ coverage:

+ Covers up to $6,000 per appliance ($3,000 with ShieldGold)

+ Covers known and unknown preexisting conditions

+ Covers parts and components of appliances (such as knobs and hinges)

– Charges more for monthly plans compared to other providers

– Offers limited add-on coverage

Two of American Home Shield's three coverage plans (ShieldGold and ShieldPlatinum) cover high-end appliances. The ShieldPlatinum plan provides a $6,000 coverage cap limit per appliance, whereas the ShieldGold offers a $3,000 coverage cap. The ShieldSilver plan covers home systems only. AHS includes three service call fee options ($75, $100 and $125) in each of its plans, allowing you to adjust your monthly premium by choosing a higher or lower fee.

The table below includes the items covered in each plan.

American Home Shield plans range from $30 to $70 per month with a $100 service call fee:

Note: All pricing information in this article is pulled from sample quotes we obtained for a 1,800-square-foot single-family home in Raleigh, N.C. Your quote may differ based on location, home size and type, and coverage options.

Get your quote: Fill out the American Home Shield quote form or call 844-529-9298.

To learn more: American Home Shield review

► Year founded: 2017

► State availability: 50

Liberty Home Guard (LHG) offers pro-series appliance coverage as an add-on to your plan for an extra $9.99 to $24.99 per month, depending on the appliance. Although this means it will cost more to include high-end home appliances in your coverage, LHG is a solid choice due to its 60-day workmanship guarantee — twice the length of the industry standard.

Review the pros and cons of Liberty Home Guard coverage:

+ Covers working appliances regardless of age

+ Includes a 60-day workmanship guarantee for completed repairs

+ Provides discounts to customers purchasing select new appliances

– Offers pro-series appliance coverage as an add-on only

– Is not immediately clear about your service call fee

Liberty Home Guard has three plans, two of which cover standard appliances. The Appliance Guard plan covers appliances only, and the Systems Guard covers home systems. The Total Guard plan covers appliances and systems in one comprehensive plan. High-end appliances — including refrigerators, stand-alone freezers, ranges, cooktops, ovens, dishwashers, microwaves, washing machines and clothes dryers — are available as add-ons.

The table below highlights the coverage options each plan offers.

Liberty Home Guard assigns a service call fee of $65 to $125, but this isn't immediately clear in the quote process. Unlike most providers, Liberty assigns the fee; a representative explained to us that the service call fee is selected based on your home's location, size and type, as well as your coverage plan and add-on selections. With a $125 service fee, monthly premiums are as follows:

Get your quote: Fill out the Liberty Home Guard quote form or call 866-452-9107 to request your personalized quote.

To learn more: Liberty Home Guard review

► Year founded: 2012

► State availability: 46 (excludes New Mexico, Nevada, Washington and Wyoming)

Select Home Warranty is a decent choice due to its budget-friendly protection and inclusion of roof-leak coverage in each plan. However, Select barely makes it on our list of top home warranties for high-end appliances since it only covers up to $500 per appliance.

See our key pros and cons for Select coverage below:

+ Allows claims to be filed within three days, rather than as soon as discovered

+ Covers second refrigerators and stand-alone freezers

+ Offers budget-friendly plans

– Caps appliance coverage at $500 for appliances

– Doesn't allow you to choose your service provider

Select Home Warranty provides coverage for high-end appliances in its Bronze Care and Platinum Care plans. The coverage limit per appliance is $500, the lowest coverage cap of the providers mentioned in this article. It's possible Select Home Warranty's coverage won't be enough for your high-end appliance needs, but it's worth comparing to be aware of your options.

The table below highlights the items Select covers.

Here how much Select Home Warranty's plans cost per month with its standard $75 service fee:

Get your quote: Fill out the Select Home Warranty quote form or call 888-370-3956.

To learn more: Select Home Warranty review

► Year founded: 2009

► State availability: 49 (excludes Hawaii)

America's First Choice Home Club (AFC Home Club) is our pick for the most coverage options. Its workmanship guarantee lasts for your entire plan, and the company offers additional security perks, such as identity protection.

Here are the key highlights of AFC Home Club's coverage:

+ Covers up to $1,000 in repairs for high-end appliances

+ Guarantees work for the life of your plan

+ Provides security perks, such as identity protection and free credit monitoring

– Requires a claim to be filed as soon as you detect the breakdown

– Prorates covered items based on depreciated amount

AFC Home Club offers protection for high-end appliances in three of its four plans. The company provides a $3,000 coverage cap for standard appliances in its Silver, Gold and Platinum plans. However, the coverage cap for high-end appliances is reduced to $1,000.

The table below breaks down AFC Home Club's covered items per plan.

America's First Choice Home Club plans range from $40 to $58 per month with a $100 service fee:

Get your quote: Fill out AFC Home Club's quote form or call 877-755-1115.

To learn more: America's First Choice Home Club review

► Year founded: 1978

► State availability: 48 (excludes Alaska and Hawaii)

Cinch Home Services is our pick for homeowners looking for bonus benefits. It offers discounts to customers buying new appliances, a 180-day workmanship guarantee on covered repairs and a $2,000 coverage cap on high-end appliances. As a bonus, its Premier Upgrade Package covers miscellaneous fees that may occur during repairs, such as refrigerant reclamation.

Here is a list of pros and cons for Cinch Home Services coverage:

+ Applies a $2,000 coverage cap per appliance

+ Covers miscellaneous fees not covered by most providers if you choose the Premier Upgrade Package

+ Offers a 180-day workmanship guarantee for repairs

– Charges slightly higher service fee than many providers ($100 is the lowest)

– Not available in Alaska or Hawaii

Cinch offers three plans, two of which cover high-end appliances. The Appliances and Complete Home plans cover up to $2,000 per appliance. Its Built-In Systems plan only covers home systems. Cinch also provides service call fee flexibility with options of $100, $125 and $150.

The table below highlights the covered items per plan.

Here are the costs of Cinch Home Services’ plans per month with a $125 service fee:

Get your quote: Fill out the Cinch Home Services quote form or call 844-979-0899 to request your personalized quote.

To learn more: Cinch Home Services review

Whether you’re a first-time home buyer or an existing homeowner purchasing protection for your high-end appliances, selecting the right home warranty coverage could save you thousands in repair costs.

American Home Shield is our top choice due to its decades of experience and unmatched $6,000 coverage cap in its ShieldPlatinum plan. Liberty Home Guard and America's First Choice Home Club are two other great options. Liberty Home Guard provides exclusive discounts to customers purchasing a new appliance, and AFC Home Club offers great extra security perks, such as free identity protection.

We recommend requesting a quote from at least three providers to compare plan costs and additional coverage options. We also suggest reading each provider's sample contract and speaking to a representative to answer any questions.

A home insurance policy covers items in your home damaged by perils such as theft, fire or storms. A home warranty policy covers items in your home that fail due to normal wear and tear. Having both policies in place could save you thousands of dollars in repairs because they provide complementary coverage.

If you’re buying a new home or are an existing homeowner, we recommend checking out a home warranty. Your home's systems may break down due to normal wear and tear, and the manufacturer's warranty may already be expired when a failure occurs. If you don't have enough emergency savings set aside for large, unexpected repairs or replacements for major appliances and built-in systems in your home, a home warranty may be right for you.

Our team created a comprehensive rating system to rank providers based on objective factors. We researched each company by speaking with company representatives, reading sample contracts, and analyzing and comparing consumer reviews. We deepened our research by gaining homeowner insights through surveys and focus groups.

After collecting data, we scored each provider in the following categories: plan options, cost, trustworthiness, customer service, state availability, additional benefits and coverage specifics.

Jesus Sanchez Garcia is a writer specializing in home warranties and related insurance products. He holds a particular interest in research and understanding his readers, and he has facilitated focus groups to gain deeper insight into homeowners’ needs. Jesus has a bachelor's degree in business administration and marketing. In his spare time, Jesus can be found cheering on Arsenal or spending time with his cat, Nevi.

Rebekah Young is an editor with a decade of experience in educational content and editing. Before joining the Guides Home Team to focus on home services content, she guided content strategy and edited in the insurance, venture capital, financial and health care fields. Rebekah has a bachelor's degree in communication and English.