When it comes to protecting your appliances, appliances insurance offers peace of mind against unexpected repairs or replacements. The best plans balance comprehensive coverage with affordability, but tradeoffs exist—such as coverage limits or service fees. ASURION stands out as the overall best choice for its broad coverage options, while Complete Protect provides excellent value for Amazon buyers. Keep reading for a detailed comparison to find the plan that fits your needs and budget.
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Key Takeaways
- Top-tier coverage from ASURION makes it ideal for those seeking comprehensive appliance protection.
- Value plans like Complete Protect deliver good coverage at a lower price point, perfect for budget-conscious buyers.
- Longer-term protection (3 years) often costs more but provides extended peace of mind, especially for high-value appliances.
- Coverage limits vary significantly; higher price plans usually cover more expensive repairs or replacements.
- Understanding service fees and claim processes is crucial to avoid surprises during a repair event.
| ASURION 2 Year Major Appliance Protection Plan ($250 – $299.99) |  | Best Overall for Affordable, Comprehensive Appliance Coverage | Coverage Duration: 2 years | Price Range: $250 – $299.99 | Includes: Parts, labor, shipping, food loss reimbursement, laundry services reimbursement | VIEW ON AMAZON | See Our Full Breakdown |
| ASURION 3 Year Major Appliance Protection Plan ($300 – $349.99) |  | Best for Long-Term, High-Value Appliance Coverage | Coverage: Major appliances including refrigerators, freezers, washers, and dryers | Food Loss Reimbursement: $250 per claim | Laundry Services Reimbursement: $25 per claim | VIEW ON AMAZON | See Our Full Breakdown |
| ASURION 2 Year Major Appliance Protection Plan | | Best for Quick, Basic Appliance Coverage Post-Warranty | Coverage Duration: 2 years | Food Loss Reimbursement: $250 per claim | Laundry Services Reimbursement: $25 per claim | VIEW ON AMAZON | See Our Full Breakdown |
| ASURION 3 Year Major Appliance Protection Plan ($1250 – $1499.99) |  | Best for High-Value, Long-Term Appliance Investment | Coverage Period: 3 years | Product Value Range: $1250 – $1499.99 | Food Loss Reimbursement: $250 per claim | VIEW ON AMAZON | See Our Full Breakdown |
| Complete Protect: Amazon Purchase Protection Plan |  | Best for Wide-Ranging, Multi-Product Coverage on Amazon | Coverage: Eligible Amazon products including tech, appliances, furniture | Protection Period: Immediate for past 90 days and ongoing | Claim Limit: $5,000 per 12 months | VIEW ON AMAZON | See Our Full Breakdown |
| ASURION 3 Year Major Appliance Protection Plan ($500 – $599.99) | | Best Overall Coverage with Extended Benefits | Coverage: Major appliances | Duration: 3 years | Food loss reimbursement: $250 per claim | VIEW ON AMAZON | See Our Full Breakdown |
| ASURION 2 Year Major Appliance Protection Plan |  | Best for Short-Term, Budget-Friendly Coverage | Coverage Duration: 2 years | Price Range: $30 – $39.99 | Includes: Parts, labor, shipping, food loss, laundry reimbursement | VIEW ON AMAZON | See Our Full Breakdown |
| ASURION 3 Year Major Appliance Protection Plan ($350 – $399.99) | | Best for Mid-Range Appliance Coverage with Flexibility | Coverage: Beyond warranty | Duration: 3 years | Food loss reimbursement: $250 per claim | VIEW ON AMAZON | See Our Full Breakdown |
| ASURION 2 Year Major Appliance Protection Plan ($125 – $149.99) | | Best for Basic, Cost-Effective Coverage for Budget Shoppers | Coverage Duration: 2 years | Price Range: $125 – $149.99 | Includes: Parts, labor, shipping, food loss reimbursement | VIEW ON AMAZON | See Our Full Breakdown |
| ASURION 3 Year Major Appliance Protection Plan ($1500 – $1999.99) | | Best for High-Value, Large Appliances with Premium Coverage | Coverage Amount: $1500 – $1999.99 | Food Loss Reimbursement: up to $250 per claim | Laundry Services Reimbursement: up to $25 per claim | VIEW ON AMAZON | See Our Full Breakdown |
| ASURION 3 Year Major Appliance Protection Plan | | Best Overall for Comprehensive Coverage | Coverage Duration: 3 years | Price Range: $200 – $249.99 | Includes: Parts, labor, shipping, food loss reimbursement, laundry services reimbursement | VIEW ON AMAZON | See Our Full Breakdown |
| ASURION 2 Year Major Appliance Protection Plan | | Best Value for Shorter-Term Coverage | Coverage Duration: 2 years | Food Loss Reimbursement: $250 per claim | Laundry Services Reimbursement: $25 per claim | VIEW ON AMAZON | See Our Full Breakdown |
| ASURION 3 Year Major Appliance Protection Plan ($250 – $299.99) | | Best for Mid-Range Appliance Coverage | Coverage: Major appliances | Duration: 3 years | Food loss reimbursement: $250 per claim | VIEW ON AMAZON | See Our Full Breakdown |
| ASURION 3 Year Major Appliance Protection Plan ($450 – $499.99) | | Best for Premium Coverage for Higher-Value Appliances | Coverage: Major appliances | Duration: 3 years | Price Range: $450 – $499.99 | VIEW ON AMAZON | See Our Full Breakdown |
| ASURION 3 Year Major Appliance Protection Plan ($1000 – $1249.99) | | Best for High-End, Large Investment Appliances | Coverage Range: $1000 – $1249.99 | Duration: 3 years | Food Loss Reimbursement: $250 per claim | VIEW ON AMAZON | See Our Full Breakdown |
| appliances insurance | Claim Process | Food Loss Reimbursement |
|---|---|---|
| ASURION 2 Year Major Appliance | Online or phone, most claims approved within minutes | — |
| ASURION 3 Year Major Appliance | Online or phone, most claims approved within minutes | $250 per claim |
| ASURION 2 Year Major Appliance | — | $250 per claim |
| ASURION 3 Year Major Appliance | Online or phone, most approved within minutes | $250 per claim |
| Complete Protect: Amazon Purch | — | — |
| ASURION 3 Year Major Appliance | — | $250 per claim |
| ASURION 2 Year Major Appliance | Online or phone, most approved within minutes | — |
| ASURION 3 Year Major Appliance | Online or phone, most approved within minutes | $250 per claim |
| ASURION 2 Year Major Appliance | Online or phone, most approved within minutes | — |
| ASURION 3 Year Major Appliance | Online or phone, most approved within minutes | up to $250 per claim |
| ASURION 3 Year Major Appliance | Online or phone, most approved within minutes | — |
| ASURION 2 Year Major Appliance | Online or phone, most approved within minutes | $250 per claim |
| ASURION 3 Year Major Appliance | Online or phone, most approved within minutes | $250 per claim |
| ASURION 3 Year Major Appliance | — | $250 per claim |
| ASURION 3 Year Major Appliance | Online or phone, most approved within minutes | $250 per claim |
More Details on Our Top Picks
ASURION 2 Year Major Appliance Protection Plan ($250 – $299.99)
This plan offers a balanced combination of coverage and convenience, making it a versatile choice for those who want broad protection without paying a premium. Unlike the three-year options from ASURION, which may be more suitable for high-value appliances, this 2-year plan covers malfunctions, power surges, and includes food loss reimbursement—an essential feature for refrigerators and freezers. Its claims process is streamlined, with most approvals within minutes, which is a step above plans that lack quick claim handling. However, it excludes pre-existing conditions and limits coverage to appliances within a specific price range, which could leave out older or more expensive models. Compared to the 3-year plans, it offers slightly less coverage duration but at a more accessible price point. This pick makes the most sense for budget-conscious buyers seeking comprehensive, hassle-free appliance protection within a two-year window.
Pros:- Comprehensive coverage including power surges and food loss
- Easy online or phone claim process with quick approvals
- Includes reimbursements for food loss and laundry services
Cons:- Pre-existing conditions are not covered
- Limited to appliances within a specific price range
- Coverage duration only two years
Best for: Homeowners seeking reliable protection for essential appliances with quick claims and food loss reimbursement
Not ideal for: Owners of high-value appliances over $300 or those needing coverage beyond two years
- Coverage Duration:2 years
- Price Range:$250 – $299.99
- Includes:Parts, labor, shipping, food loss reimbursement, laundry services reimbursement
- Claim Process:Online or phone, most claims approved within minutes
Our verdict“This plan is ideal for budget-conscious consumers wanting dependable, quick-claim appliance protection for standard appliances.”
ASURION 3 Year Major Appliance Protection Plan ($300 – $349.99)
This 3-year plan provides extended protection for major appliances, making it well-suited for those who want to avoid multiple renewal purchases. Unlike the 2-year plans, such as the one from ASURION with ASIN B0C4FYD5G3, this option offers a longer term and includes food loss and laundry reimbursement—key features for large household appliances. It also offers flexibility in resolving claims via repair, replacement, or an Amazon gift card, which appeals to buyers who prefer choice. Nonetheless, the plan’s requirement that appliances be purchased within 30 days limits its applicability to recent buyers, and the higher price may deter budget-conscious consumers. Compared with the shorter plans, it delivers longer coverage but at a higher upfront cost. This choice makes the most sense for owners of valuable appliances seeking peace of mind over three years.
Pros:- Extended 3-year coverage for major appliances
- Food loss and laundry reimbursements included
- Offers repair, replacement, or Amazon gift card options
Cons:- Requires purchase within 30 days of the appliance
- Higher price point may not suit budget shoppers
- Pre-existing conditions are not covered
Best for: Consumers with high-value appliances who want extended coverage and flexible claim options
Not ideal for: Buyers with appliances purchased more than 30 days ago or on a strict budget
- Coverage:Major appliances including refrigerators, freezers, washers, and dryers
- Food Loss Reimbursement:$250 per claim
- Laundry Services Reimbursement:$25 per claim
- Claim Process:Online or phone, most claims approved within minutes
- Plan Duration:3 years
- Purchase Window:Within 30 days of product purchase
Our verdict“This plan is best suited for consumers with high-value appliances who prioritize long-term coverage and flexible resolution options.”
ASURION 2 Year Major Appliance Protection Plan
This plan offers essential coverage for repairs, parts, labor, and shipping, extending protection beyond manufacturer warranties. It’s similar to the 2-year plan from ASURION (ASIN B0C4FYD5G3), but without some of the extra reimbursements like laundry services. It’s a good fit for those who want straightforward coverage that kicks in after warranty expiration but don’t require additional perks. The plan’s limitation is that pre-existing conditions are not covered, and coverage only applies if purchased with the appliance or within 30 days, which can restrict last-minute buyers. Compared to the 3-year plans, it provides less longevity but at a lower cost. This pick makes sense for users seeking basic protection for recent appliances without added extras.
Pros:- Covers repairs, parts, labor, and shipping
- Food loss reimbursement included
- Easy claims via online or phone
Cons:- Pre-existing conditions are not covered
- Limited to appliances purchased with the plan or within 30 days
- No laundry service reimbursement
Best for: Homeowners looking for reliable, post-warranty coverage for recent appliances at a lower cost
Not ideal for: Owners of appliances purchased more than 30 days ago or those wanting extensive reimbursement options
- Coverage Duration:2 years
- Food Loss Reimbursement:$250 per claim
- Laundry Services Reimbursement:$25 per claim
- Power Surges Covered:Yes
- Product Eligibility:Purchased with product or within 30 days
Our verdict“This plan suits buyers who need dependable basic coverage for appliances bought recently without extra bells and whistles.”
ASURION 3 Year Major Appliance Protection Plan ($1250 – $1499.99)
This plan caters to owners of premium appliances valued between $1250 and $1500, offering extensive coverage for three years, including parts, labor, and shipping. It mirrors the 3-year plan from ASURION (ASIN B0C4FZH5TQ) but focuses on higher-value appliances, making it ideal for those who want assurance against costly breakdowns. It includes food loss and laundry reimbursements, which many plans omit. The primary tradeoff is the need to purchase within 30 days of the appliance, which could be restrictive for some buyers. Compared to plans for lower-value appliances, this coverage provides greater peace of mind for expensive investments. This option is best suited for consumers with high-end appliances seeking long-term, comprehensive protection.
Pros:- Extensive coverage for high-value appliances
- Includes parts, labor, and shipping
- Food loss and laundry reimbursements included
Cons:- Requires purchase within 30 days
- Higher cost reflects appliance value, not ideal for lower-end models
- Pre-existing conditions are not covered
Best for: Owners of luxury appliances seeking extended, broad coverage for up to three years
Not ideal for: Budget-conscious buyers or those with appliances purchased more than 30 days ago
- Coverage Period:3 years
- Product Value Range:$1250 – $1499.99
- Food Loss Reimbursement:$250 per claim
- Laundry Services Reimbursement:$25 per claim
- Claim Process:Online or phone, most approved within minutes
Our verdict“This plan is best for owners of expensive appliances who want extended, comprehensive protection over three years.”
Complete Protect: Amazon Purchase Protection Plan
This plan offers broad coverage for eligible Amazon purchases, including appliances, tech, tools, and furniture, making it a flexible option for multi-item protection. Unlike appliance-specific plans from ASURION, it provides immediate coverage for recent purchases and extends to all future eligible buys, with claims capped at $5,000 annually. This makes it suitable for buyers who want a single plan covering multiple product types. However, it excludes commercial use and doesn’t cover every damage type, limiting its scope. Its monthly renewal model is convenient, but the $5,000 yearly claim cap might be insufficient for high-end or multiple large appliances. Compared to dedicated appliance plans, it offers greater versatility but less specialized coverage for appliances alone. This plan fits those who want broad, easy-to-manage protection across various product categories.
Pros:- Covers a wide range of Amazon products including appliances, tech, and furniture
- Immediate coverage for recent purchases plus future ones
- Easy online claim process and flexible monthly renewal
Cons:- Claims limit of $5,000 per year may be insufficient for some high-end or multiple large purchases
- Excludes commercial products
- Does not cover all damages, only those specified
Best for: Frequent Amazon shoppers with a mix of appliances, tech, and furniture seeking simple, unified protection
Not ideal for: Owners of high-value appliances exceeding $5,000 in total claims or those needing specific appliance coverage
- Coverage:Eligible Amazon products including tech, appliances, furniture
- Protection Period:Immediate for past 90 days and ongoing
- Claim Limit:$5,000 per 12 months
- Renewal:Monthly until canceled
- Additional Features:Digital security with scam detection
Our verdict“This plan is ideal for regular Amazon buyers wanting broad, convenient protection for a variety of products with manageable claims caps.”
ASURION 3 Year Major Appliance Protection Plan ($500 – $599.99)
This plan stands out for its comprehensive coverage that includes parts, labor, and shipping, along with added perks like food loss reimbursement and quick claim processing. Compared to the ASURION 2 Year Major Appliance Protection Plan, it offers a longer duration and broader benefits, making it suitable for those seeking peace of mind over multiple years. However, its higher cost and limited coverage to appliances purchased within 30 days can be drawbacks for budget-conscious buyers or those with older appliances. The inclusion of power surge coverage from day one is a significant advantage, especially for appliances vulnerable to power fluctuations. Still, pre-existing conditions are not covered, and the plan may feel costly for infrequent users.
Pros:- Comprehensive coverage including parts, labor, and shipping
- Additional benefits like food loss and laundry reimbursement
- Quick online and phone claim approvals
- Covers power surges from day one
Cons:- Coverage limited to appliances purchased within 30 days
- Pre-existing conditions are not covered
- Higher cost compared to shorter-term plans
Best for: Homeowners with high-value major appliances looking for extensive protection and added benefits.
Not ideal for: Consumers with older appliances or those on a tight budget who prefer lower-cost plans or shorter coverage periods.
- Coverage:Major appliances
- Duration:3 years
- Food loss reimbursement:$250 per claim
- Laundry services reimbursement:$25 per claim
- Plan start:Date of purchase
- Malfunctions covered:After manufacturer’s warranty
Our verdict“This plan makes the most sense for owners of high-value appliances who want extensive coverage and added perks.”
ASURION 2 Year Major Appliance Protection Plan
This plan offers solid protection for major appliances over a two-year span, including repairs, parts, labor, and shipping, similar to the ASURION 3 Year Plan ($350 – $399.99), but in a shorter timeframe. Its affordability makes it attractive for budget-conscious buyers who want coverage without a long-term commitment. However, the shorter duration and the need to purchase within 30 days of the appliance mean it’s less suited for those with older or already purchased appliances. The inclusion of food loss and laundry reimbursement, plus quick claims approval, makes it an appealing option for basic appliance protection. Still, pre-existing conditions are excluded, and coverage may not extend to appliances purchased outside the specified price range.
Pros:- Affordable price point in the $30–$39.99 range
- Includes parts, labor, shipping, and reimbursements
- Easy, quick claims process
- Covers power surges from day one
Cons:- Limited to 2 years of coverage
- Must be purchased within 30 days of buying the appliance
- Excludes pre-existing conditions
Best for: First-time appliance owners or renters seeking affordable, short-term protection for essential appliances.
Not ideal for: Owners of high-value or long-term appliances who need extended coverage beyond two years.
- Coverage Duration:2 years
- Price Range:$30 – $39.99
- Includes:Parts, labor, shipping, food loss, laundry reimbursement
- Claim Process:Online or phone, most approved within minutes
Our verdict“Ideal for budget-conscious buyers needing short-term protection with quick claims processing.”
ASURION 3 Year Major Appliance Protection Plan ($350 – $399.99)
This plan strikes a balance between coverage and cost, offering protection for appliances beyond the manufacturer’s warranty, including parts, labor, and shipping. Its inclusion of food loss and laundry reimbursement adds value, especially compared with shorter-term plans like the ASURION 2 Year ($125 – $149.99). The plan’s requirement to be purchased with the appliance or within 30 days limits flexibility, but its straightforward claims process and repair or replacement options make it a practical choice. However, the higher price range and exclusion of pre-existing conditions mean it’s better suited for new appliance owners rather than those with older units needing coverage for ongoing issues.
Pros:- Includes parts, labor, and shipping in coverage
- Food loss and laundry reimbursements included
- Quick claim approvals
- Repair or replacement options
Cons:- Must be purchased at the time of or shortly after buying the appliance
- Pre-existing conditions are not covered
- Price may be high for some appliances
Best for: New appliance buyers seeking comprehensive protection with the option for repairs or replacements if repairs aren’t feasible.
Not ideal for: Long-term appliance owners or those with older units who might face pre-existing condition exclusions or higher costs for extended coverage.
- Coverage:Beyond warranty
- Duration:3 years
- Food loss reimbursement:$250 per claim
- Laundry services reimbursement:$25 per claim
- Claim process:Online or phone, most approved within minutes
Our verdict“A good fit for new appliance owners who want reliable coverage with flexible repair or replacement options.”
ASURION 2 Year Major Appliance Protection Plan ($125 – $149.99)
Compared with plans like the ASURION 3 Year ($1500 – $1999.99), this plan offers shorter-term protection but at a significantly lower price point, making it accessible for those with limited budgets. It covers repairs, parts, labor, and shipping, with added benefits like food loss reimbursement for refrigerators and freezers, and a straightforward claim process. Yet, its limited duration and exclusion of pre-existing conditions make it less suitable for long-term protection or older appliances. This pick makes sense for consumers who want essential coverage without extra bells and whistles, especially if their appliances are new or under warranty.
Pros:- Low-cost plan suitable for tight budgets
- Includes repairs, parts, labor, and shipping
- Food loss reimbursement for refrigerators
- Easy claim process
Cons:- Limited to 2 years
- Pre-existing conditions are not covered
- Coverage must be purchased within 30 days of appliance purchase
Best for: Budget-conscious consumers needing short-term coverage for newer appliances in the $125–$149.99 range.
Not ideal for: Owners of expensive, older, or high-mileage appliances who require long-term or more comprehensive coverage.
- Coverage Duration:2 years
- Price Range:$125 – $149.99
- Includes:Parts, labor, shipping, food loss reimbursement
- Claim Process:Online or phone, most approved within minutes
Our verdict“A practical choice for budget-minded buyers who want essential protection for recent purchases.”
ASURION 3 Year Major Appliance Protection Plan ($1500 – $1999.99)
This plan covers premium appliances priced between $1500 and $1999.99, offering extensive protection that includes repairs, parts, labor, and shipping. Its quick claims process and added benefits like food loss reimbursement make it suitable for high-end appliances. Compared to lower-priced plans like the ASURION 2 Year ($125 – $149.99), this plan caters to owners of expensive appliances who want peace of mind over a three-year period. This plan is best for those with high-value appliances that justify the higher premium and demand comprehensive coverage.
Pros:- Includes parts, labor, and shipping
- Fast claims approval process
- Additional benefits like food loss reimbursement
- Coverage for appliances in the $1500–$1999.99 range
Cons:- Pre-existing conditions are not covered
- High premium for the coverage offered
Best for: Owners of expensive, high-end appliances seeking extensive, long-term protection with quick claim approvals.
Not ideal for: Budget shoppers or owners of lower-cost appliances who may find this coverage too costly or unnecessary.
- Coverage Amount:$1500 – $1999.99
- Food Loss Reimbursement:up to $250 per claim
- Laundry Services Reimbursement:up to $25 per claim
- Claim Process:Online or phone, most approved within minutes
- Duration:3 years
- Pre-existing Conditions:Not covered
Our verdict“Best suited for owners of high-value appliances willing to invest in extensive, premium protection despite mixed customer reviews.”
ASURION 3 Year Major Appliance Protection Plan
This plan stands out for its broad coverage, including power surges and food loss, making it ideal for those seeking peace of mind. Compared with the 2-year plans, it offers a longer protection period and more extensive benefits, which justifies its higher price. However, pre-existing conditions are not covered, and coverage is limited to appliances within a specific price range, which might exclude some high-end models. The quick online claims process and the option for repairs or replacements provide convenience, especially for busy homeowners. It’s best for consumers who want a hassle-free, all-inclusive protection plan that covers unexpected events, but those with older appliances or on a tight budget should consider alternatives.
Pros:- Covers power surges and food loss, protecting major expenses
- Easy online or phone claims process, approved within minutes
- Includes replacement or repair if needed
Cons:- Does not cover pre-existing conditions
- Must be purchased within 30 days of the appliance
Best for: Homeowners who want a comprehensive, long-term appliance protection with quick claims processing.
Not ideal for: Owners of very high-end appliances over the coverage limit or those with pre-existing conditions that aren’t covered.
- Coverage Duration:3 years
- Price Range:$200 – $249.99
- Includes:Parts, labor, shipping, food loss reimbursement, laundry services reimbursement
- Claim Process:Online or phone, most approved within minutes
Our verdict“This plan is best suited for those seeking extensive coverage with minimal hassle over a three-year span.”
ASURION 2 Year Major Appliance Protection Plan
This 2-year plan offers solid coverage for major appliances, including food loss reimbursement for refrigerators and freezers, at a more affordable price point. Compared with the 3-year options, it provides a shorter protection window but still covers parts, labor, and shipping efficiently, with a straightforward claims process. However, it shares the same limitation of not covering pre-existing conditions and requires purchase within 30 days of the appliance. It’s an appealing choice for budget-conscious buyers or those who prefer shorter-term coverage without sacrificing essential protections. Those needing long-term security or with older appliances might want to look at longer plans, despite the slightly higher cost.
Pros:- Covers repairs, parts, labor, and shipping at no extra cost
- Includes food loss and laundry reimbursement
- Fast claim approval process
Cons:- Limited to 2 years of coverage
- Pre-existing conditions are excluded
- Coverage details may require user review
Best for: Budget-conscious households seeking reliable short-term appliance protection with food loss coverage.
Not ideal for: Owners of high-value, long-lifespan appliances or those looking for multi-year coverage beyond two years.
- Coverage Duration:2 years
- Food Loss Reimbursement:$250 per claim
- Laundry Services Reimbursement:$25 per claim
- Claim Process:Online or phone, most approved within minutes
Our verdict“Ideal for those who want dependable protection for a limited time at an affordable price.”
ASURION 3 Year Major Appliance Protection Plan ($250 – $299.99)
This plan offers 3-year protection for appliances within the $250-$299.99 range, including food loss reimbursement. It compares favorably to lower-value plans by covering repairs, parts, and shipping at no extra cost, with a seamless claims process. The inclusion of food loss reimbursement for refrigerators and freezers makes it a strong choice for kitchen appliances. However, pre-existing conditions are not covered, and the plan must be purchased within 30 days of the appliance, limiting flexibility. It’s well-suited to buyers with mid-range appliances who want extended coverage without paying for premium plans, but high-end appliance owners might find it limiting.
Pros:- Covers repairs, parts, labor, and shipping at no extra cost
- Includes food loss reimbursement for refrigerators & freezers
- Simple claims process with quick approval
Cons:- Limited to appliances within specific price range
- Pre-existing conditions are not covered
- Must be purchased within 30 days of purchase
Best for: Homeowners with appliances in the $250-$300 range seeking reliable, extended protection.
Not ideal for: Owners of appliances priced above $300 or those with older models prone to pre-existing issues.
- Coverage:Major appliances
- Duration:3 years
- Food loss reimbursement:$250 per claim
- Claim process:Online or phone, most approved within minutes
Our verdict“This plan strikes a good balance for buyers wanting extended coverage at a moderate price point.”
ASURION 3 Year Major Appliance Protection Plan ($450 – $499.99)
This plan is designed for appliances priced between $450 and $499.99, offering comprehensive 3-year coverage including food loss and laundry reimbursements. Its strength lies in covering parts, labor, and shipping with a straightforward claims process, similar to lower-tier plans but tailored for higher-value appliances. The inclusion of food and laundry reimbursements makes it suitable for households with high-end refrigerators or washers. The main tradeoff is the higher cost and the exclusion of pre-existing conditions, which could be a concern for older appliances. It is best for buyers who want a premium protection plan that matches their valuable appliances, but less ideal for those on a tight budget or with older equipment.
Pros:- Covers parts, labor, and shipping at no extra cost
- Includes food loss and laundry reimbursements
- Reliable claims process
Cons:- Higher price point
- Pre-existing conditions are not covered
- Limited to appliances within the $450-$499.99 range
Best for: Owners of higher-priced appliances seeking extensive, long-term protection with added reimbursements.
Not ideal for: Consumers with lower-value appliances or older units with pre-existing issues, due to higher cost and coverage limits.
- Coverage:Major appliances
- Duration:3 years
- Price Range:$450 – $499.99
- Food loss reimbursement:$250 per claim
- Laundry reimbursement:$25 per claim
Our verdict“This plan appeals to those with high-value appliances who want premium protection and reimbursements.”
ASURION 3 Year Major Appliance Protection Plan ($1000 – $1249.99)
This high-tier plan is tailored for appliances valued between $1000 and $1249.99, providing extensive coverage including food loss and laundry reimbursements. It distinguishes itself by covering repairs, parts, labor, and shipping without additional costs, making it ideal for expensive, large appliances. The quick claims approval process is a plus, especially for busy households. However, pre-existing conditions are not covered, and the terms may vary, requiring careful review. This plan makes sense for owners of premium appliances who want peace of mind over a three-year period without unexpected costs, but it might be overkill for more modest setups or budget-conscious buyers.
Pros:- Includes parts, labor, and shipping at no extra cost
- Food loss and laundry reimbursements included
- Streamlined claims process
Cons:- Coverage is limited to high-value appliances
- Pre-existing conditions are not covered
- Terms and conditions may vary
Best for: Owners of high-value appliances who seek comprehensive, no-hassle protection for several years.
Not ideal for: Consumers with smaller or less expensive appliances, or those on a strict budget, due to the higher premium.
- Coverage Range:$1000 – $1249.99
- Duration:3 years
- Food Loss Reimbursement:$250 per claim
- Laundry Reimbursement:$25 per claim
- Claim Process:Online or phone, most approved within minutes
Our verdict“This plan is best for owners of premium appliances who want extensive, worry-free protection over three years.”
How We Picked
To evaluate these appliances insurance options, I focused on coverage scope, plan flexibility, cost versus benefit, customer service reputation, and ease of claims. I prioritized plans that offered transparent pricing and clear terms, especially for appliances with higher repair costs. The ranking reflects a balance between comprehensive coverage and affordability, with special attention to plans that serve different buyer needs—from budget options to premium coverage. Plans with hidden fees or limited coverage were rated lower, as clarity and value are key for making an informed decision.| appliances insurance | Claim Process | Food Loss Reimbursement |
|---|---|---|
| ASURION 2 Year Major Appliance | Online or phone, most claims approved within minutes | — |
| ASURION 3 Year Major Appliance | Online or phone, most claims approved within minutes | $250 per claim |
| ASURION 2 Year Major Appliance | — | $250 per claim |
| ASURION 3 Year Major Appliance | Online or phone, most approved within minutes | $250 per claim |
| Complete Protect: Amazon Purch | — | — |
| ASURION 3 Year Major Appliance | — | $250 per claim |
| ASURION 2 Year Major Appliance | Online or phone, most approved within minutes | — |
| ASURION 3 Year Major Appliance | Online or phone, most approved within minutes | $250 per claim |
| ASURION 2 Year Major Appliance | Online or phone, most approved within minutes | — |
| ASURION 3 Year Major Appliance | Online or phone, most approved within minutes | up to $250 per claim |
| ASURION 3 Year Major Appliance | Online or phone, most approved within minutes | — |
| ASURION 2 Year Major Appliance | Online or phone, most approved within minutes | $250 per claim |
| ASURION 3 Year Major Appliance | Online or phone, most approved within minutes | $250 per claim |
| ASURION 3 Year Major Appliance | — | $250 per claim |
| ASURION 3 Year Major Appliance | Online or phone, most approved within minutes | $250 per claim |
Factors to Consider When Choosing Appliances Insurance
Choosing the right appliances insurance involves several considerations beyond just the monthly or annual fee. Buyers should assess coverage limits, deductibles, and what repairs are included. It’s also vital to understand the claim process and customer support quality. Balancing these factors helps ensure you don’t pay for coverage that doesn’t meet your needs or face unexpected costs during repairs. The following sections cover key factors to consider, along with common pitfalls to avoid.Coverage Scope and Limits
Check what types of repairs and replacements are covered—some plans exclude certain issues like cosmetic damage or specific appliance parts. Higher coverage limits can be more expensive but provide peace of mind for expensive appliances. Understanding coverage caps helps prevent surprises during a claim, especially for high-value or complex appliances.
Cost and Value
Compare the plan costs against potential repair expenses. Cheaper plans may have lower coverage limits or higher deductibles, making them less cost-effective if your appliance needs frequent repairs. Conversely, premium plans often include broader coverage and lower out-of-pocket costs, which can be worth the investment for high-value appliances or if you prefer predictable expenses.
Deductibles and Service Fees
Pay attention to deductibles and service fees that apply when making a claim. Plans with low or no deductibles may cost more upfront but reduce out-of-pocket expenses during a repair. Conversely, plans with high deductibles might be suitable for those who want lower premiums and expect fewer repairs.
Claim Process and Customer Support
A straightforward, quick claims process reduces stress when repairs are needed. Look for plans with responsive customer service and clear communication channels. Reading reviews about claim experiences can reveal potential delays or issues that might affect your satisfaction with the plan.
Plan Term Length and Renewal Conditions
Longer protection periods, like three years, offer extended coverage but often come with higher costs. Check renewal terms and whether coverage automatically extends or requires re-purchasing. For appliances with a shorter expected lifespan, shorter plans might be more economical.
Frequently Asked Questions
Is appliances insurance worth it for new appliances?
For new appliances, appliances insurance can provide peace of mind, especially if the appliance is expensive or complex. However, many manufacturers offer warranties that may cover repairs for the first year or two, making additional insurance less necessary initially. Consider your appliance’s price, warranty coverage, and how costly repairs might be before deciding if a separate plan is worthwhile.
How does appliances insurance differ from manufacturer warranties?
Manufacturer warranties typically cover defects and issues that arise within a set period after purchase, often limited to manufacturing defects. Appliances insurance, on the other hand, covers accidental damage, mechanical failures, and sometimes repairs outside the warranty period. Insurance plans may also offer broader coverage but usually at a higher or ongoing cost, making them a better choice for long-term or accidental damage protection.
Can I buy appliances insurance after my appliance breaks?
Most plans require coverage to be purchased before the appliance experiences a problem, as they often exclude pre-existing conditions. Some providers may offer coverage for appliances within a certain time frame after purchase, but waiting until something breaks usually means you miss out on coverage for that issue. Planning ahead ensures you’re protected when unexpected problems occur.
What should I do if my claim is denied?
If your claim gets denied, review the reasons carefully—common reasons include pre-existing issues or coverage exclusions. Contact customer support to clarify the denial and see if additional documentation can help. Sometimes, appealing the decision or choosing a different plan with broader coverage may be the best course for future protection.
How do I choose between different coverage levels?
Assess the value of your appliances and how much repair or replacement might cost. For high-end or essential appliances, opting for a plan with higher coverage limits and lower deductibles makes sense, even if it costs more upfront. For smaller or less expensive appliances, a basic plan might suffice, but always compare what’s included to avoid gaps in protection.
Conclusion
For general peace of mind and comprehensive coverage, the ASURION 3 Year Major Appliance Protection Plan stands out as the best overall pick, especially for high-value appliances. Buyers seeking budget-friendly options should consider plans like Complete Protect for solid value at a lower price. Those new to appliance insurance or with simple needs may prefer plans with straightforward claims processes and basic coverage. For premium protection, high-limit plans with extensive coverage are worth the extra investment. Your choice should align with your appliance value, risk tolerance, and financial priorities, ensuring you get the protection that fits your specific situation.
