Yes, a home warranty covers many of your home’s major appliances. When an appliance like your refrigerator, oven, or dishwasher breaks down, it can be expensive and inconvenient to address. A home warranty could help reduce the costs of covered appliances breakdowns.
But which appliances do home warranties cover, and what do you need to do to make sure? Let’s look at four important topics about home warranty coverage for appliances.
- How coverage works for appliances in your home
- The types of appliances that may not be covered under a home warranty
- Making sure your appliances are covered under your home warranty
- Submitting a service request for appliance repair or replacement
How Does a Home Warranty Cover New Appliances in Your Home?
Let’s start with a home warranty from 2-10 Home Buyers Warranty (2-10), since every warranty company offers different coverage.
A home warranty is an annual service contract that helps offset the cost of repairing or replacing your home’s covered appliances and systems.
- On average, it could cost up to $1,800 to repair or replace a refrigerator.*
- A 2-10 home warranty could help lower the costs to address covered breakdowns--in some cases, reducing those costs to a small service fee.
- A home warranty also gives you access to a quality, independent service Pro to help diagnose and address covered appliance breakdowns.
*Repair/replacement cost is the eightieth percentile as reported in a nationwide survey of homeowners conducted in 2024 by ClearVantage for Frontdoor, Inc.
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What Are the Appliances Covered Under a Home Warranty from 2-10?
A 2-10 home warranty provides coverage for many major appliances. Here are some of the major appliances a home warranty covers:
While kitchen appliances represent a big share of home warranty coverage, you can also purchase additional options, such as coverage for your washer and dryer.
In addition to coverage for major appliances, a 2-10 home warranty may include coverage for:
- HVAC system (heating, air conditioning)
- Garbage disposal
What types of appliances may not be covered under a home warranty?
Though many appliances are covered under a home warranty, it isn’t all-inclusive. Many of your kitchen’s free-standing appliances—the ones that are smaller and not built into your kitchen—typically don’t fall under your Plan Agreement.
Here’s a list of things that a home warranty from 2-10 home warranty doesn’t cover:
- Specialty countertop appliances, such as panini maker, waffle maker, omelet maker
- Juicers, blenders, or food processors
- Water filtration systems or water softeners
- Composters
- Vacuum sealers or food savers
- Popcorn makers
- Meat grinders
- Electric blenders or immersion blenders
- Electric can openers
- Crockpots or pressure cookers
- Pasta makers
- Coffee machines
- Crepe makers
2-10 works hard to ensure that coverage, limits, and exclusions are easy to find on your Plan Agreement. If you’re a 2-10 Member, you can always review your Plan Agreement details in your Homeowner Portal. If you’re not yet a 2-10 Member, you can check out a sample Plan Agreement.
How Can You Make Sure Your Appliances Are Covered Under Your Home Warranty?
There are three ways to make sure your home warranty covers your appliances.
- Check your Plan agreement.
- Maintain your appliances well.
- Understand the difference between a home warranty and homeowners insurance.
Check your Plan Agreement
Before you purchase a home warranty, be sure you understand what it covers. When you choose a 2-10 home warranty, you can access a Plan Agreement that transparent and eay to understand. It'll show you:
- What coverage you have
- What your limits are
- Which items may be excluded
2-10 also gives you the chance to purchase optional coverage, such as for roof leaks.
Maintain your appliances well
To get the most out of your home warranty, you need take good care of your appliances.
For example, you can drain your water heater yearly, change your HVAC system’s air filters regularly, or simply clean your oven.
There are two good reasons to maintain your appliances:
- Maintaining your appliances can lengthen their life and keep them running smoothly.
- Maintenance is required for your home warranty to apply. If an appliance breaks down from neglect, your home warranty may not apply.
What’s the difference between a home warranty and homeowners insurance?
A home warranty covers appliances for many routine breakdowns, but there are exceptions. For example, if your refrigerator breaks down due to a house fire, your home warranty wouldn’t cover it. Instead, you’d contact your homeowners insurance company. That’s a big reason you should have both a home warranty and homeowners insurance.
How Do You Submit a Service Request for Appliance Repair or Replacement?
If you have appliances covered under home warranty, requesting service with 2-10 is easy. But it’s important to know that you can’t request service on appliances that broke down before you purchased your home warranty. If your refrigerator broke down a week before you bought your warranty, it won’t be covered.
When an appliance breaks down and you have a home warranty, you should submit your service request right away—online through Homeowner Portal or by calling 2-10. You’ll be set up with a quality, independent service Pro who can help diagnose the issue.
The Pro will then schedule a time with your for service. You'll pay the Pro a small service fee, and the Pro will diagnose the issue.
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Key Takeaways
Covered appliances breakdowns can be expensive and inconvenient. But when fridges and other home appliances are covered under home warranty, you can save a whole lot of aggravation—and money. Here’s a quick summary of what we’ve covered regarding home warranty coverage for appliances:
- A home warranty covers many of your home’s major appliances.
- Your 2-10 home warranty may include appliance coverage for your fridge; dishwasher; built-in microwave; and oven, range, and cooktop.
- Check your home warranty for the kinds of items that aren’t covered.
- Be sure to maintain your appliances to keep them in working order.
- Requesting service from 2-10 is simple and easy.
