Best Appliance-Only Home Warranty Plans

What separates the top home warranty for appliances picks?

Three plans sit on this page, and the gap between them is mostly about caps and price. First American Home Warranty scores 8 and costs $75 a month. Its Premier plan carries a $7,000 appliance cap, the highest here, and it puts no age limit on covered items. Select Home Warranty scores 7.9 and costs $44.42 a month, the cheapest premium. It includes roof-leak cover free, but its $2,000 HVAC cap and $3,000 aggregate cap are the lowest here. Choice Home Warranty scores 7.6 and costs $54.17 a month. It offers two plans, a $3,000 per-item cap, and 24/7 claims with a 48-hour response commitment.

What should you check before buying a home warranty for appliances?

Start with the cap that matters for your kitchen. First American's $7,000 appliance cap and no age limit suit an older kitchen. Select's $3,000 aggregate cap across the whole year is the tightest, so a single big repair can use most of it. Choice's $3,000 per-item cap resets with each item, which changes how you plan.

Then look at total annual cost at two claims. First American runs $1,070 a year, Select $723, and Choice is not listed at that figure here. Select's lower total comes from lower caps, not from broader cover.

Availability decides for some buyers. First American is sold in only 36 states. Choice is not sold in California or Washington. Select's footprint is not stated here.

Finally, check the service fee and claim process. Choice charges a $100 service fee per visit and commits to a 48-hour response. First American and Select do not list a service fee in this data.

Which home warranty for appliances fits your situation?

• First American Home Warranty — best for an older kitchen with high-value appliances, thanks to the $7,000 appliance cap and no age limit. Accept the $1,070 annual cost and the 36-state availability.
• Select Home Warranty — best for a tight monthly budget. At $44.42 a month and $723 a year at two claims, it is the cheapest way in, with free roof-leak cover. The $2,000 HVAC cap and $3,000 aggregate cap mean you are buying contribution, not full replacement.
• Choice Home Warranty — best for someone who wants a simple choice and a per-item cap. Two plans, a $3,000 per-item cap, and 24/7 claims with a 48-hour response. Skip it if you live in California or Washington.

For an older kitchen with expensive appliances, First American Home Warranty and its $7,000 appliance cap is the pick. If the monthly premium is the deciding factor, Select Home Warranty at $44.42 a month and $723 a year at two claims is the cheapest route, with the trade-off of a $2,000 HVAC cap. Choice Home Warranty suits anyone who wants two clear plans and a $3,000 per-item cap, provided you are not in California or Washington.