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If you are considering a home warranty plan with appliance insurance, make sure you do your research to choose a solid home warranty provider.

There are many situations in which you may want to consider an appliance warranty. You may have a home with older appliances that would be expensive to repair or replace, or you may be buying a home with existing appliances in unknown condition. You may even be buying a brand-new appliance from a major retailer like Best Buy.

Regardless of the situation, it’s important to understand how an appliance warranty works and the options available to you.

Extended Appliance Warranties

Many appliance retailers like Sears and Best Buy offer warranty plans when you buy an appliance. It’s important to understand the difference between this type of appliance insurance and a home warranty plan. In general, warranties offered by retailers and appliance companies are really just warranty plans for repairs outside of your manufacturer warranty. The biggest difference between the two is most companies and retailers require that you purchase the warranty when you buy the appliance. This means this option won’t help you cover your existing appliances or anything that comes with a new home.

Home Warranties

A home warranty plan is typically a one-year service contract that you sign with a home warranty company. This warranty will cover repair and replacement of covered appliances and systems in your home. Depending on the coverage you choose, your total annual premium may be anywhere from $250 to $450.
If an appliance like a refrigerator or dryer breaks down, you will contact the warranty company, which will then send a licensed repair technician to your home. You will need to pay a service fee or deductible for each claim, but this is typically about $50 — far less than a normal service call. You will not have any additional costs such as labor or parts. If your appliance is beyond repair, the plan will cover the cost of replacement.Virtually all of the appliances in your home can be covered with a single insurance plan, regardless of appliance age, make, and model. Many systems in your home such as your HVAC system and plumbing system are also covered by most plans.

Exploring Home Warranty Coverage Options

Home Service Warranty (HSC), the leading provider of home protection plans, offers several coverage options to give you the level of protection you want. The standard plan covers the appliances listed above, along with ceiling fans, electrical systems, heating and plumbing systems and toilets. The comprehensive coverage option includes all standard coverage as well as duct work, gas leaks, doorbells, hot/cold water dispensers, pest control, plumbing stoppages, hot water pumps, sump pumps, water leaks, exhaust and attic fans, whirlpool motor and pump assemblies, and telephone wiring.