15 Best Appliances Insurance Policies to Protect Your Home Investment

When it comes to protecting my home investment, appliance insurance is essential. I've found that ASURION offers some of the best policies, with various plans tailored to kitchen and major appliances. Their plans range from 2 to 5 years, priced between $60 and $699.99, covering issues like drops and power surges. Plus, they provide quick claims processing, which is reassuring. While I've noticed some customer service feedback is mixed, the benefits often outweigh the drawbacks. If you want to know which specific plans are worth considering, there's plenty more to discover about the top options available.

Key Takeaways

• ASURION offers diverse plans for kitchen and major appliances, with coverage options ranging from 2 to 5 years.
• Plans cover drops, spills, power surges, and malfunctions, providing peace of mind for significant home investments.
• Claims can be filed easily online or via phone, with most approvals occurring within minutes for quick compensation.
• Customer reviews generally reflect satisfaction, though some report delays and mixed experiences with customer service.
• Important factors include evaluating cost vs. benefits, coverage duration, and customer feedback to choose the best policy for your needs.

ASURION 3 Year Kitchen Protection Plan ($60 – $69.99)

If you're looking for peace of mind when it comes to your kitchen appliances, the ASURION 3 Year Kitchen Protection Plan is a solid choice. For just $60 to $69.99, this plan kicks in right after your purchase, covering repairs for drops, spills, and even power surges from day one. I appreciate that most claims get approved within minutes, and you can file them online or by phone anytime, which makes the process incredibly convenient. Plus, you receive an e-gift card for the product's purchase price or a replacement/repair. While some customers mention issues with response times, the overall rating of 4.4 out of 5 stars suggests that many people have had positive experiences, making it a worthwhile investment for your kitchen.

Best For: Those seeking reliable protection for their kitchen appliances against accidental damage and malfunctions.

Pros:

• Quick claim approval process, often within minutes.
• Coverage for a variety of issues, including drops, spills, and power surges.
• Convenient claims filing available online or by phone anytime.

Cons:

• Some customers report delays in receiving return shipping materials.
• Occasional issues with customer service responsiveness.
• Frustration expressed by customers facing difficulties with the claims process.

ASURION 3 Year Major Appliance Protection Plan ($250 – $299.99)

The ASURION 3 Year Major Appliance Protection Plan ($250 – $299.99) is an excellent choice for anyone looking to safeguard their investment in major appliances. I appreciate that it covers repairs without any extra costs for parts, labor, or shipping, starting right from the purchase date. One standout feature is the food loss reimbursement, which offers up to $250 for approved claims on refrigerators and freezers. Plus, if my washer or dryer is out of service for over seven days, I can get up to $25 for laundry services. Filing a claim is straightforward, with most approvals happening in minutes. Overall, the plan's positive customer feedback reassures me that I'm making a smart choice for my appliances.

Best For: Individuals looking for comprehensive protection for major appliances, especially those who want quick claims processing and reimbursement options.

Pros:

• Coverage for repairs includes parts, labor, and shipping at no additional cost.
• Food loss reimbursement of up to $250 for refrigerators and freezers.
• Easy claims process with most approvals completed within minutes.

Cons:

• Pre-existing conditions are not covered under the plan.
• Some users have reported issues with product delivery, such as receiving damaged items.
• The reimbursement for laundry services is limited to $25, which may not cover all costs.

ASURION 3 Year Major Appliance Protection Plan ($500 – $599.99)

For homeowners looking to protect their investment in major appliances, the ASURION 3 Year Major Appliance Protection Plan is an excellent choice, especially for appliances priced between $500 and $599.99. This plan kicks in right after purchase, covering malfunctions once the manufacturer's warranty expires. Plus, it includes power surge protection from day one. If your refrigerator or freezer fails, you can get up to $250 for food loss, and if your washer or dryer is down for over a week, you'll receive up to $25 for laundry services. The claims process is straightforward, usually resolving in minutes. However, while many appreciate the fast claims, some have faced challenges with repair companies. Overall, it's a solid investment for appliance peace of mind.

Best For: Homeowners seeking reliable protection for major appliances priced between $500 and $599.99.

Pros:

• Quick claims processing, with most claims approved within minutes.
• Coverage includes reimbursement for food loss and laundry services during extended appliance outages.
• Power surge protection starts immediately upon purchase.

Cons:

• Some customers have reported issues with assigned repair companies.
• Dissatisfaction with claim handling has been noted by a few users.
• Pre-existing conditions are not covered under the plan.

ASURION 4 Year Kitchen Protection Plan ($250 – $299.99)

Looking for reliable coverage for your kitchen appliances? The ASURION 4 Year Kitchen Protection Plan offers solid protection for items priced between $250 and $299.99. With no extra costs for repairs—parts, labor, and shipping included—you can rest easy knowing you're covered from the moment you purchase. This plan safeguards against drops, spills, power surges, and malfunctions after the manufacturer's warranty expires.

The claims process is straightforward; you can file online or by phone, and most claims are approved in minutes. If a repair isn't possible, you'll receive an Amazon e-gift card for your purchase price or a replacement. With a customer rating of 4.7 out of 5 stars, it's clear that users appreciate the quick approvals and hassle-free experience.

Best For: Individuals seeking dependable coverage for kitchen appliances priced between $250 and $299.99.

Pros:

• Quick and easy claims process with most approvals in minutes.
• Comprehensive coverage including drops, spills, and power surges.
• High customer satisfaction rating of 4.7 out of 5 stars.

Cons:

• Pre-existing conditions are not covered.
• Plan must be purchased with the product or within 30 days of purchase.
• Limited to specific product eligibility and price range.

ASURION 2 Year Major Appliance Protection Plan ($175 – $199.99)

A standout feature of the ASURION 2 Year Major Appliance Protection Plan is its extensive coverage that kicks in right after the manufacturer's warranty ends. For a cost between $175 and $199.99, this plan covers repair costs, including parts, labor, and shipping—no hidden fees. It even covers power surges from day one. If your refrigerator or freezer goes out, you can claim up to $250 for food loss, and if your washer or dryer is down for over seven days, you can get $25 for laundry services. The claims process is straightforward; I appreciate that most claims are approved within minutes. Plus, if your appliance can't be repaired, you'll receive an Amazon e-gift card for the purchase price.

Best For: Homeowners looking for comprehensive protection for their major appliances after the manufacturer's warranty ends.

Pros:

• Extensive coverage includes parts, labor, and shipping with no hidden fees.
• Quick claims process with most approvals occurring within minutes.
• Reimbursement options for food loss and laundry services if appliances are out of service.

Cons:

• Pre-existing conditions are not covered under the plan.
• Communication issues reported by some customers regarding understanding terms.
• Limited reimbursement amounts for food loss and laundry services compared to potential losses.

ASURION 3 Year Major Appliance Protection Plan ($450 – $499.99)

The Asurion 3 Year Major Appliance Protection Plan is ideal for homeowners who want peace of mind regarding their significant appliance investments. With no additional costs for repairs, including parts, labor, and shipping, I appreciate how coverage kicks in after the manufacturer's warranty expires. Plus, it covers power surges from day one, which gives me confidence. If my refrigerator or freezer fails, I can get up to $250 for food loss, and there's even a $25 reimbursement for laundry services if my washer or dryer is out of service for more than seven days. The easy claims process reassures me—most claims are approved within minutes, and if repair isn't possible, an Amazon e-gift card is offered.

Best For: Homeowners seeking reliable protection for major appliances with minimal hassle and additional costs associated with repairs. Furthermore, this home warranty plan also provides coverage for essential home systems such as heating, cooling, and electrical. It offers peace of mind for homeowners by taking care of unexpected breakdowns and malfunctions, allowing them to focus on other important aspects of homeownership. In addition, the plan also covers spacesaving kitchen appliances, ensuring that even smaller, specialized appliances are protected from costly repairs.

Pros:

• No additional costs for repairs, including parts, labor, and shipping.
• Quick claims processing with most claims approved within minutes.
• Food loss reimbursement of up to $250 for refrigerators and freezers.

Cons:

• Pre-existing conditions are not covered, potentially leaving some issues unresolved.
• Some customers report misleading coverage regarding mechanical failures within the first year.
• Mixed experiences with customer service, leading to dissatisfaction for some users.

ASURION 4 Year Kitchen Protection Plan ($70 – $79.99)

Wondering how to protect your kitchen appliances without breaking the bank? I found the ASURION 4 Year Kitchen Protection Plan, priced between $70 and $79.99, to be a solid choice. With a customer rating of 4.6 out of 5 stars from over 11,000 ratings, it covers drops, spills, and power surges right from the purchase date. Plus, it kicks in for malfunctions after the manufacturer's warranty expires. Filing claims is a breeze—most are approved in minutes, and you'll receive an e-gift card for your purchase price. Just remember, it doesn't cover pre-existing conditions and requires you to return damaged items. Overall, it's a reliable option for safeguarding my kitchen investment!

Best For: Individuals looking for reliable protection for their kitchen appliances against accidental damage and malfunctions after the manufacturer's warranty expires.

Pros:

• Easy claims process with most approvals in minutes.
• Covers a variety of issues including drops, spills, and power surges.
• High customer satisfaction rating with quick reimbursements.

Cons:

• Does not cover pre-existing conditions.
• Refunds are issued as Amazon gift cards, which may not suit everyone.
• Requires the return of damaged items for processing claims.

ASURION 3 Year Major Appliance Protection Plan ($1500 – $1999.99)

For anyone investing in high-end appliances priced between $1500 and $1999.99, the ASURION 3 Year Major Appliance Protection Plan stands out as a smart choice. This plan offers coverage starting on your purchase date, protecting you from malfunctions after the manufacturer's warranty expires. Plus, it covers power surges from day one. You can also get reimbursed for food loss up to $250 if your refrigerator or freezer fails, and laundry services up to $25 if your washer or dryer is out of service for over seven days. Filing a claim is straightforward—most are approved within minutes, and if a repair isn't possible, you'll receive an Amazon e-gift card for your purchase price.

Best For: Individuals seeking comprehensive protection for high-end appliances priced between $1500 and $1999.99.

Pros:

• Quick claims process with most approvals within minutes.
• Coverage includes food loss reimbursement and laundry service costs.
• Protection against power surges from the start.

Cons:

• Customer reviews indicate difficulties in finding service for specific brands.
• Pre-existing conditions are not covered under the plan.
• Overall low customer satisfaction reflected in ratings (1.0 out of 5 stars).

ASURION 3 Year Major Appliance Protection Plan ($175 – $199.99)

If you want peace of mind for your major appliances, the ASURION 3 Year Major Appliance Protection Plan is an excellent choice. Priced between $175 and $199.99, this plan kicks in as soon as you make your purchase, covering malfunctions that occur after the manufacturer's warranty expires. I love that it covers power surges from day one, ensuring I'm protected right away. Plus, if my refrigerator or freezer breaks down, I can get up to $250 for food loss. The claims process is a breeze—most claims get approved within minutes, and if something's unrepairable, I'll receive an Amazon e-gift card for the purchase price. Just remember, you need to buy this plan within 30 days of the appliance purchase.

Best For: Individuals seeking comprehensive protection for their major appliances with quick claims processing and reimbursement options.

Pros:

• Covers power surges from day one, providing immediate protection.
• Offers reimbursement for food loss and laundry services if appliances are out of service.
• Easy claims process, with most claims approved within minutes.

Cons:

• Must be purchased within 30 days of the appliance purchase, limiting flexibility.
• Some users report dissatisfaction with customer service and communication issues.
• Pre-existing conditions are not covered, which may leave some appliances unprotected.

ASURION 3 Year Major Appliance Protection Plan ($200 – $249.99)

The ASURION 3 Year Major Appliance Protection Plan, priced between $200 and $249.99, is an excellent choice for those who want extensive coverage beyond the manufacturer's warranty. This plan kicks in right after purchase, protecting you from malfunctions not covered by the manufacturer. You'll be covered for power surges from day one, and if your refrigerator or freezer fails, you can claim up to $250 for food loss. If your washer or dryer is out of service for over seven consecutive days, you can get up to $25 for laundry services. Filing claims is a breeze, as most are approved within minutes. Overall, it's a solid investment for peace of mind with your major appliances.

Best For: Those seeking reliable coverage for major appliances and protection against unexpected malfunctions after the manufacturer warranty expires.

Pros:

• Quick claims approval process, often within minutes.
• Coverage for food loss reimbursement up to $250 for refrigerators/freezers.
• Protection against power surges from day one.

Cons:

• Pre-existing conditions are not covered.
• Some customers report difficulties in the claims filing process.
• Limited reimbursement for laundry services ($25) for extended outages.

ASURION 2 Year Major Appliance Protection Plan ($30 – $39.99)

Looking for peace of mind with your appliances? The ASURION 2 Year Major Appliance Protection Plan, priced between $30 and $39.99, offers a solid safety net for your investment. It covers repair costs—including parts, labor, and shipping—right from the purchase date, ensuring you're protected after the manufacturer's warranty expires. I love that it even covers power surges from day one. Plus, if your fridge or freezer malfunctions, you can claim up to $250 for food loss. The claims process is straightforward, often approving requests in minutes. However, be aware that pre-existing conditions aren't covered, and you'll need to purchase this plan within 30 days of buying your appliance. Overall, it's a great option for budget-conscious homeowners like me!

Best For: Budget-conscious homeowners seeking reliable protection for major appliances after the manufacturer's warranty expires.

Pros:

• Comprehensive coverage for repairs, including parts, labor, and shipping.
• Quick claims process with most approvals within minutes.
• Food loss reimbursement up to $250 for refrigerators and freezers.

Cons:

• Pre-existing conditions are not covered under the plan.
• Must be purchased within 30 days of the appliance purchase.
• Mixed customer reviews regarding the claims experience and communication.

ASURION 3 Year Major Appliance Protection Plan ($30 – $39.99)

For anyone seeking reliable protection for their major appliances, the ASURION 3 Year Major Appliance Protection Plan is an excellent choice. Priced between $30 and $39.99, this plan covers all repair costs, including parts, labor, and shipping, starting on the purchase date. It kicks in after the manufacturer's warranty ends, and power surges are included from day one. Plus, if your refrigerator or freezer malfunctions, you can receive up to $250 for food loss. I appreciate the easy claims process, which allows you to file online or by phone, often with approvals within minutes. While customer ratings are mixed, many appreciate the quick reimbursement and good service. Just remember, pre-existing conditions aren't covered, so keep that in mind.

Best For: Individuals looking for comprehensive protection for major appliances after the manufacturer's warranty expires.

Pros:

• Covers all repair costs, including parts, labor, and shipping, with no additional fees.
• Quick and easy claims process with approvals typically within minutes.
• Offers reimbursement for food loss up to $250 for refrigerators/freezers and laundry service up to $25 for washers/dryers.

Cons:

• Pre-existing conditions are not covered under the plan.
• Mixed customer ratings indicate potential issues with claim submissions and delays.
• Some limitations in coverage may not meet all customer expectations.

ASURION 3 Year Major Appliance Protection Plan ($100 – $124.99)

If you want peace of mind for your major appliances, the ASURION 3 Year Major Appliance Protection Plan is an excellent choice. Priced between $100 and $124.99, it covers repairs, parts, labor, and shipping with no additional costs. Coverage starts on the purchase date and kicks in after the manufacturer's warranty expires. I love that it includes food loss reimbursement up to $250 for refrigerators and freezers. The claims process is straightforward; you can file claims online or by phone, with most approved within minutes. While many users appreciate the quick claims processing and customer service, some have faced challenges with claim approvals. Overall, it's a solid option for protecting your home investment.

Best For: Individuals seeking comprehensive protection for their major appliances after the manufacturer's warranty expires.

Pros:

• Covers repairs, parts, labor, and shipping at no additional cost.
• Quick claims processing with most claims approved within minutes.
• Includes food loss reimbursement up to $250 for refrigerators/freezers.

Cons:

• Some users report frustrations with the claims process and customer service responsiveness.
• Pre-existing conditions are not covered, limiting eligibility.
• Mixed experiences regarding claim approvals, with some users feeling claims were not honored.

ASURION 3 Year Major Appliance Protection Plan ($600 – $699.99)

The ASURION 3 Year Major Appliance Protection Plan is an excellent choice for homeowners who want peace of mind regarding their high-value appliances. Covering appliances priced between $600 and $699.99, this plan includes repairs with no extra costs for parts, labor, or shipping, starting from the purchase date. It even covers power surges right away. If your refrigerator or freezer malfunctions, you can get reimbursed for food loss up to $250, and up to $25 for laundry services if your washer or dryer is out for over a week. The claims process is simple and usually quick, with most claims approved within minutes. However, be cautious as customer experiences can vary greatly, so do your research before committing.

Best For: Homeowners seeking comprehensive protection for high-value appliances priced between $600 and $699.99.

Pros:

• Covers repairs with no additional costs for parts, labor, or shipping.
• Quick claims process with most claims approved within minutes.
• Food loss reimbursement and laundry service reimbursement provide additional peace of mind.

Cons:

• Customer experiences can vary significantly, with some reporting poor communication and delays.
• Pre-existing conditions are not covered, which may limit protection.
• Some complaints about rebranding and customer service quality.

ASURION 5 Year Major Appliance Protection Plan ($300 – $349.99)

Choosing the ASURION 5 Year Major Appliance Protection Plan ($300 – $349.99) makes sense for anyone who wants to safeguard their investment in major appliances. This plan covers mechanical and electrical breakdowns, kicking in after the manufacturer's warranty expires. I love that it's fully refundable if I cancel within 30 days, offering peace of mind.

The claims process is a breeze, available online 24/7. If my refrigerator fails, I can get up to $250 for food loss per approved claim. Plus, if my washer's out for over seven days, I can receive up to $25 for laundry services. With no deductibles and shipping included, this plan truly simplifies appliance protection, earning it a solid 4.6-star rating.

Best For: Individuals looking to protect their major appliances from mechanical and electrical failures while enjoying peace of mind with a fully refundable plan.

Pros:

• Easy online claims process available 24/7.
• Covers food loss reimbursement up to $250 for refrigerators and freezers.
• No deductibles or hidden fees with included shipping for repairs.

Cons:

• Coverage begins only after the manufacturer's warranty expires.
• Limited reimbursement for laundry services at $25 per claim.
• Requires cancellation within 30 days for a full refund, which may be restrictive for some.

Factors to Consider When Choosing Appliances Insurance

When I think about choosing appliances insurance, I focus on a few key factors. It's important to compare coverage options, understand the claim process, and be aware of any exclusions. I also consider the duration of protection and whether the cost aligns with the benefits I'll receive.

Coverage Options Available

Steering through the world of appliance insurance can feel overwhelming, but understanding coverage options simplifies the process. First and foremost, I found that many plans cover mechanical and electrical breakdowns, which means I don't have to stress as much about unexpected failures. Additionally, protection against power surges is a big bonus, ensuring my appliances are safe from electrical issues.

One aspect I really appreciate is the food loss reimbursement for refrigerators and freezers, often up to $250 per approved claim. This could save me quite a bit during an unexpected outage. Most plans kick in right when the manufacturer's warranty expires, providing seamless coverage for my appliances.

I also noticed that some policies offer reimbursement for laundry services up to $25 if my washer or dryer is out of commission for over seven days. That's incredibly helpful! However, I always check for exclusions, especially concerning pre-existing conditions, as these are typically not covered.

Claim Process Efficiency

While managing appliance insurance, the efficiency of the claims process is essential for my peace of mind. I want a plan that allows me to file claims online or by phone at any time, providing the flexibility I need when things go wrong. I appreciate it when claims are approved quickly—many plans report approvals within minutes, which is incredibly reassuring.

Immediate compensation options, like e-gift cards or direct replacements, are a huge plus for me. When repairs aren't feasible, knowing I can get compensation fast makes the entire process less stressful. I've noticed that customer feedback often highlights streamlined claims experiences, emphasizing the importance of quick processing and minimal hassle during submission.

However, I also keep an eye out for plans that require the return of damaged items before processing a claim. This can complicate things and impact my overall satisfaction with the claims process. Ultimately, I want a policy that prioritizes efficiency, allowing me to get back to my routine without the headaches that often accompany filing claims.

Exclusions and Limitations

Understanding exclusions and limitations in appliance insurance is essential for making an informed decision. I've learned that many plans won't cover pre-existing conditions, meaning any issues your appliances had before you purchased the insurance won't be eligible for claims. Coverage typically kicks in on the purchase date but only for malfunctions that occur after the manufacturer's warranty expires.

It's vital to be aware of common exclusions, which often include accidental damage, cosmetic damages, or problems caused by improper use or installation. Some plans may even limit reimbursement amounts for specific incidents, like capping food loss at $250 or laundry service at $25 per approved claim.

Another important point to take into account is that certain plans might require you to return damaged items before you receive compensation. This can complicate the claims process and delay your reimbursement.

Duration of Protection

When choosing appliances insurance, the duration of protection can considerably impact your peace of mind and financial planning. Typically, these plans range from 2 to 5 years, so you can select one that fits your anticipated needs. Personally, I find that opting for a longer duration often brings more extended peace of mind. It covers potential breakdowns and malfunctions that may arise after the manufacturer's warranty expires, which is vital for my budget.

I also appreciate that some plans offer full refunds if canceled within a specified period, usually 30 days. This feature allows me to reassess my coverage needs without incurring financial loss. Additionally, I've learned that coverage often begins immediately upon purchase, ensuring my appliances are protected from day one against any unforeseen issues.

Evaluating the duration of coverage is essential for me, as it greatly influences the long-term costs related to repairs, replacements, and even potential food loss reimbursements for my refrigerator and freezer. Taking the time to understand these factors can make a significant difference in how well my appliances are protected over the years.

Cost vs. Benefits

Choosing the right appliances insurance means weighing the cost against the benefits. I always start by comparing the premiums with potential reimbursements. For example, if my refrigerator fails, coverage could reimburse me up to $250 for food loss. Plus, if my washer or dryer is out of service for over seven days, I could get $25 for laundry services.

I also consider that many plans cover repairs without additional costs for parts, labor, or shipping. This can save me from unexpected expenses when appliances break down. Another critical factor is the coverage start date; plans beginning on the purchase date offer immediate protection against issues like power surges.

Customer feedback on claims processing speed is essential too. I prefer plans that approve most claims within minutes, indicating reliability. Finally, I look at the length of coverage. Longer-term plans often provide better value, especially for appliances with higher repair costs. For instance, a 5-year plan with a full refund if canceled within 30 days can be a smart choice. Balancing these factors helps me make an informed decision about appliances insurance.

Frequently Asked Questions

What Appliances Are Typically Covered Under These Insurance Policies?

When I think about appliance coverage, I typically find that policies include major items like refrigerators, dishwashers, and washing machines. Some even cover dryers and ovens. It's important to check the specifics since coverage can vary. I always make certain to read through the policy details to know exactly what's included. This way, I can avoid surprises down the line and guarantee my appliances are protected when I need it most.

How Do I File a Claim for Appliance Damage?

Filing a claim for appliance damage can feel like scaling Everest! First, I gather all the evidence—photos, receipts, and a detailed description of the damage. Then, I contact my insurance provider, often through their app or website, and submit my claim. Don't forget to keep records of everything! Once I've done that, I wait for the adjuster to review, which feels like watching paint dry. Patience is key!

Are There Any Exclusions in the Appliance Insurance Policies?

When I looked into appliance insurance, I found that there are often exclusions to be aware of. For instance, not all policies cover damage from natural disasters or wear and tear. Some might exclude specific brands or types of appliances too. It's vital for me to read the fine print and understand what's covered and what isn't before I make a decision. That way, I won't be caught off guard later on.

Can I Transfer My Appliance Insurance to a New Home?

Did you know that nearly 60% of homeowners don't have appliance insurance? When it comes to transferring my appliance insurance to a new home, I've found that it varies by provider. Some companies allow me to transfer coverage without hassle, while others might require me to start a new policy. I always recommend checking with my insurance agent to guarantee I get the best advice for my specific situation.

How Are Premiums Determined for Appliance Insurance Policies?

When it comes to determining premiums for appliance insurance, several factors come into play. I've found that insurers consider the age and condition of my appliances, the coverage limits I choose, and even my location. They also look at my claims history—if I've made many claims, my premium might be higher. It's a good idea to shop around and compare quotes to find the best deal for my specific situation.

Conclusion

In the vast ocean of appliance insurance, choosing the right policy can feel like steering through uncharted waters. But with the right plan, you can anchor your investments and sail smoothly through unexpected repairs. Remember, it's not just about coverage; it's about peace of mind. So, weigh your options carefully and select a policy that fits your needs like a well-tailored suit. After all, your home deserves nothing less than a fortress of protection!