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What To Look For In A Home Appliance Extended Warranty

by James William

An appliance extended warranty covers the repair or replacement costs of your home appliances. These warranties are often offered by retailers or through third-party insurers. These warranties typically come with a flat up-front cost, meaning you pay one fee to get coverage for the duration of the plan. But are they worth it?

Warranty Length

An appliance protection plan — or extended warranty — offers peace of mind, customizable coverage and professional repair. While these warranties are often available to purchase at the retailer where you buy a new appliance, they can also be purchased from third-party providers. Home appliances are costly to repair or replace, and a warranty can help protect homeowners from unexpected expenses. Retailers and manufacturers often partner with local third-party extended warranty companies to offer protection plans at the time of purchase.

An appliance extended warranty typically lasts one to five years and covers repairs to the specific appliance that it applies to. It can cover issues that occur due to normal wear and tear or from a manufacturer defect. Many extended warranty policies have restrictions, exclusions and conditions that limit the coverage you receive. For example, the policy may only cover the cost of the covered appliance if you use a certified service provider to perform a repair.


Buying an appliance extended warranty can give you peace of mind. These service plans typically offer a flat up-front cost, customizable coverage and professional repair. If you decide to purchase one, make sure to read the fine print to find out what’s included in the policy. When deciding whether to buy an appliance extended warranty, or a home warranty that includes appliances, homeowners should carefully evaluate the terms of each plan. Although both offer access to a network of service technicians and reduce out-of-pocket costs, significant differences exist in pricing, coverage and availability.

For example, CPS Central’s appliance coverage is all-inclusive and backed by state consumer protection laws. In addition, the company offers flexible terms and can cover up to 15 appliances. The company also partners with certified repair technicians and assigns you a local expert. This can save you time and money compared to hiring an independent contractor. Moreover, it can help prevent expensive repairs or replacements from unexpected appliance breakdowns.


Home appliance extended warranty experience wear-and-tear over years of use. Manufacturers offer a limited warranty on most products, but extended warranties fill the gap after that time period lapses. A few companies also offer all-in-one appliance warranties that cover multiple household appliances for a flat monthly fee. In addition to covering repair costs, many of these plans provide additional perks such as free home service calls and money back if the appliance isn’t fixed. However, some of these warranties have extensive terms and conditions, including maintenance requirements that void coverage or require you to work with specific vendors to get your appliances repaired.

In some cases, these protection plans aren’t as affordable as setting aside a set amount of cash each month to pay for appliance repairs. However, they’re often more convenient than trying to find an experienced technician on your own or paying for a costly repair out of pocket. Look for a warranty provider that offers flexible payment plans and convenient online claims processing.

Customer Service

Many retailers, appliance manufacturers and third-party companies offer extended warranties for home appliances. Sometimes called protection plans or service contracts, these policies typically cost more than the manufacturer’s original warranty but may have similar terms. These plans are purchased before an appliance’s manufacturer warranty expires and can help protect consumers from costly repairs or replacements. Consumers can also opt for all-in-one appliance warranties. These are available from a variety of vendors and often charge a flat monthly fee that covers repair costs for a set number of household appliances.

Regardless of which type of policy you choose, be sure to read the fine print carefully. Some warranties have restrictions that make them less valuable, such as requiring routine maintenance or specifying certain providers for repair services. These limitations could prove inconvenient if your appliance experiences a breakdown during the warranty term. In addition, appliance extended warranties usually cover only one appliance whereas home warranty coverage can be obtained for entire suites of appliances and critical home systems.


Selecting an appropriate home appliance extended warranty involves a balance between coverage, cost-effectiveness, and the reputation of the warranty provider. Prioritize comprehensive coverage that includes both parts and labor, ensuring protection against unexpected breakdowns. Consider the warranty’s duration and any additional services offered, such as customer support and repair scheduling. As with any financial decision, carefully read the terms and conditions, compare multiple options, and make an informed choice that aligns with your needs and budget.


What Appliances Are Typically Covered By Extended Warranties?

Extended warranties often cover a range of household appliances, such as refrigerators, washing machines, dryers, ovens, dishwashers, and more. It’s important to review the warranty terms to confirm the specific appliances included in the coverage.

Are There Any Exclusions Or Limitations I Should Be Aware Of?

Yes, extended warranties may have exclusions and limitations. Common exclusions include pre-existing issues, cosmetic damages, and damages resulting from misuse or neglect. Additionally, some warranties may not cover certain parts or components. Reading the fine print and understanding the warranty’s limitations is crucial to avoid surprises in the event of a claim.

When considering an extended warranty for your home appliances, gather as much information as possible, including coverage details, costs, and the provider’s reputation. Don’t hesitate to ask questions and seek clarification on any aspects that might be unclear. By doing so, you’ll be better equipped to choose a warranty that offers peace of mind and protection for your valuable appliances

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