Home insurance policies don’t cover the repair or replacement costs of appliances if the breakdown occurs due to natural wear and tear or lack of proper maintenance. So, appliance insurance is necessary if you don’t want to end up spending thousands of dollars getting an appliance fixed or replaced.

Here’s a list of the top appliance insurance providers you can choose from in 2021.

1. American Home Shield
   This company has been in the home warranty insurance industry for over 50 years and has become one of the country’s most trusted home warranty providers. They have a network of more than 16,000 contractors across the country and offer comprehensive coverage. Plus, you don’t need an inspection or maintenance records to purchase insurance from this provider, and they cover all home systems and appliances, regardless of how old they are. American Home Shield offers three plans and offers you the flexibility to pick the amount of trade service call fee from $75, $100, and $125. This service fee needs to be paid every time you use their coverage. The higher the trade service call fee you choose to pay, the lower your monthly premium will be. You can also customize a plan to fit your needs with their add-on coverages, but extended coverage can up the costs by $50-$258.
2. Choice Home Warranty
   This home warranty provider offers comprehensive coverage for the repair and replacement of appliances. Choice Home Warranty has a network of over 15,000 contractors in the country, and their staff has qualified professionals, so you can rest assured that you’ll get quality service. You can customize your plan to only pay for the coverage you need and will use. Plus, you get one month of free service when you sign up. You can choose from basic and total appliance insurance plans depending on the type and number of appliances you want to be covered, and you can visit their website to get a free quote. The company also offers 24/7 customer support.
3. Select Home Warranty
   If you are looking for pocket-friendly appliance insurance, look no further than Select Home Warranty. Their insurance prices are among the most competitive in the market, and they offer comprehensive coverage. The provider offers three plans with varying levels of coverage: Bronze Care, Platinum Care, and Gold Care. They charge a trade service call fee of $75 for their services. You don’t need a home inspection to purchase insurance from this company, and they cover all properly maintained appliances and systems that are in good working condition when you purchase a plan. Signing up is easy with online signup, or you can get in touch with them via call. One drawback is that there’s a 30-day waiting period, so coverage begins 30 days after you make the payment. That said, you can file a claim 24/7.
4. First American Home Warranty
   This is an ideal option for those who would be using their appliance insurance coverage frequently. First American offers comprehensive coverage, and there’s no limit on the number of service calls you can make. The provider offers two plans: the Basic Plan covers essential appliances like refrigerators, ovens, cooktops, and washers, while the Premier Plan covers everything in the Basic Plan plus home systems like plumbing and electrical systems. You can avoid the inconvenience of facing huge, unexpected costs by paying just $30 a month. Simply visit their website for a free quote, and you can get started. You can file claims with the provider online or via call.

Don’t forget to get quotes from multiple providers and compare their coverage options before making a decision about which appliance insurance plan to purchase.