Does a home warranty cover appliances?
Covering major appliances is the whole point of a home warranty — refrigerators, ovens, dishwashers, washers, and dryers that break down from normal wear — as long as your plan includes appliance coverage and the failure isn't pre-existing.
What flips the answer
- Covered when
Your plan includes appliance coverage and a covered appliance broke down from normal wear during the term.
- Not covered when
You have a systems-only plan, which doesn't cover appliances.
- Not covered when
The failure was pre-existing, cosmetic, from misuse, or from neglected maintenance, or the repair exceeds the per-item cap.
Major home appliances are the core of what a home warranty covers. Appliance plans and combined plans are built to repair or replace items like the refrigerator, oven and range, dishwasher, built-in microwave, and clothes washer and dryer when they fail from normal wear during the contract term.
Coverage depends on the plan and the cause. A systems-only plan won't cover appliances, and even under an appliance plan the failure has to come from ordinary use — pre-existing problems, cosmetic damage, misuse, and lack of maintenance are common denial reasons. Some appliances or high-end models may also be excluded or capped.
Contracts carry per-item payout limits and often exclude parts like racks, shelves, knobs, and door seals, plus consumables and code-required upgrades. Whether a specific appliance is in and what the company will pay comes down to your contract's covered-items and limitations sections.
That's the general answer. Yours is written in your actual policy.
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