Assurant vs. Nova Warranty
Compare coverage, cost and reviews
 |  |
|---|---|
3.5
677 reviews
|
4.8
113 reviews
|
| No. of plans:4 | No. of plans:2 |
| Max mileage200,000 | Max mileage130,000 |
| Max vehicle age12 years | Max vehicle age- |
| Waiting period30 days | Waiting period30 days |
+1 more
Assurant Extended Warranty and Nova Warranty both offer extended car warranties that protect you financially after your manufacturer’s warranty expires.
While they offer similar services, there are some differences between the coverage they offer, the cost of their plans and the additional benefits you get. We’ve analyzed both companies to help you decide which is the right fit.
Assurant works well for those with high-mileage vehicles because it offers a higher maximum mileage limit. This makes the company the best choice for older cars, which may have an odometer reading that exceeds the limits at Nova Warranty.
We recommend Nova Warranty to drivers looking for the most comprehensive coverage. While the basic plan from Nova is comparable to Assurant’s starter plan, higher-tiered plans from Nova include more components.
Assurant Extended Warranty vs. Nova Warranty coverage
Plans from Assurant Extended Warranty and Nova Warranty offer varying levels of coverage for your vehicle's parts and systems.
Assurant Extended Warranty coverage
Assurant offers four plans:
- Powertrain covers the basics, including the engine, transmission, all-wheel/four-wheel drive, forced induction, gaskets, seals and hybrid components.
- Base adds coverage for electrical systems, steering, brakes and suspension to the Powertrain plan.
- High-Tech matches the Base plan's coverage with a focus on additional systems like electrical systems, steering, brakes and suspension.
- Comprehensive provides the most coverage, including all components in the three other plans plus safety systems and electronics/technology.
Nova Warranty coverage
Nova Warranty offers two plans: Nova Powertrain and Nova Superior.
- Nova Powertrain covers essential components, including the engine, transmission, drive axle, electrical systems (like the starter and alternator), cooling systems (like the radiator) and brakes.
- Nova Superior provides more comprehensive coverage. It includes everything in the Powertrain plan plus components like turbos and superchargers, all-wheel or four-wheel drive, suspension systems, steering, air conditioning and heating, fuel systems, anti-lock brakes and high-tech electronics (like factory-installed GPS).
Both plans include roadside assistance, towing, rental car reimbursement and trip interruption coverage.
We’ve broken down what’s covered under each of the companies’ plans below:
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| Coverage | | |
|---|---|---|
| Plan | ||
| Engine | | |
| Transmission | | |
| Drive axle | | |
| Transfer case | | |
| Seals and gaskets | | |
| Turbocharger/supercharger | | |
| Heating system | | |
| Cooling system | | |
| Air conditioning | | |
| Brakes | | |
| Suspension | | |
| Steering | | |
| Fuel system | | |
| Electrical components | | |
| Navigation/GPS | | |
| High-tech components | | |
» LEARN MORE: What does a car warranty cover?
Assurant Extended Warranty vs. Nova Warranty cost
The cost of an extended auto warranty can vary significantly based on several key factors. Vehicle age and mileage are typically the most influential factors — newer cars with lower mileage generally cost less to cover than older vehicles with high mileage. The make and model of your vehicle also impact pricing, with luxury and high-performance vehicles usually commanding higher premiums due to more expensive repair costs.
Additionally, plans with comprehensive coverage cost more than basic powertrain protection. Plans may also be more expensive depending on where you live.
We gathered quotes for different vehicles with varying mileage to give you an idea of how prices compare between Assurant Extended Warranty and Nova Warranty. The prices below are for each company's lowest-tier plan unless otherwise noted. Keep in mind that coverage for these plans varies, so it’s not an exact apples-to-apples comparison of value.
You can only purchase an extended auto warranty with Assurant through your vehicle’s dealership. Contact your dealer to see if coverage with Assurant is available and how much it costs.
Nova Warranty quotes were collected based on its shortest contract period, three years. We received quotes for the Nova Powertrain plan.
| Model and mileage | Assurant Extended Warranty | Nova Warranty |
|---|---|---|
| 2013 Ford F-150 (150,000 miles) | - per year | $850 per year |
| 2014 Honda CRV (135,000 miles) | - per year | $967 per year |
| 2015 BMW 3 Series (125,000 miles) | - per year | $1,268 per year |
| 2016 Toyota Camry (110,000 miles) | - per year | $1,117 per year |
Assurant Extended Warranty vs. Nova Warranty policies
Assurant plans don’t have limits to the number of visits or repairs you can schedule per year. However, payout limits and deductibles vary by plan. All Assurant plans have a waiting period of 30 days and are fully transferable (for an additional fee).
Nova Warranty allows you to cancel your plan at any time. If you cancel within 30 days, you can receive a full refund. After 30 days, you may qualify for a prorated refund based on the time remaining in your contract.
| Benefit | Assurant Extended Warranty | Nova Warranty |
|---|---|---|
| Vehicle inspection required | | |
| Contract length | - | - |
| Quote process | Call | Online or call |
Assurant Extended Warranty vs. Nova Warranty additional benefits
In addition to coverage for mechanical failures of your vehicle's parts, Assurant Extended Warranty and Nova Warranty offer a few other benefits.
Assurant Extended Warranty benefits
All Assurant plans come with roadside assistance (up to $125 per occurrence for flat tire, towing, fuel delivery, lockout and more), rental car reimbursement ($40 for a maximum of one day) and trip interruption benefits (up to $200 while 100 miles or more from home).
If your vehicle is still covered by a manufacturer’s warranty, Assurant also offers “manufacturer’s deductible reimbursement.” This benefit covers the difference if the manufacturer’s warranty doesn’t fully cover repairs.
Nova Warranty benefits
Nova offers several added benefits with its extended auto warranty plans:
- 24-hour roadside assistance covers services like towing, fuel delivery and more.
- Rental car coverage helps you stay on the road while your vehicle is in the shop.
- Locksmith services assist if you're locked out of your vehicle.
- Out-of-gas assistance offers help if you run out of fuel.
- Dead battery assistance including jump-start services when your battery dies.
- Trip interruption coverage reimburses you for lodging and meals if your vehicle breaks down while traveling.
| Benefit | Assurant Extended Warranty | Nova Warranty |
|---|---|---|
| Roadside assistance | | |
| Rental car reimbursement | | |
| Trip interruption | | |
| Transferability | | |
Assurant Extended Warranty vs. Nova Warranty reviews
For an honest assessment of customer satisfaction, let's examine what actual policyholders say about Assurant Extended Warranty and Nova Warranty.
Assurant Extended Warranty reviews
Reviews for Assurant are mixed. Most positive reviews cite efficient customer service, easy claims handling and timely responses.
"I called Assurant, and the very nice person that I talked to knew English perfectly and was easy to communicate with. She told me I could have the transmission fixed anywhere I trusted and felt confident. The shop simply had to communicate to Assurant when the diagnosis was complete. In the end, my truck is fixed, Assurant covered 100% for the repair, and the entire process was actually easy and peaceful for me. I had a great deal of stress and tension over everything, and as it turns out, it was one of the easiest things I've done." — Carl from New York
“Vehicle was taken in the morning with the complaint and claim was process in a very timely manner, same day. Paid my deductible and the rest the representative took care with the warranty. I was able to pick up my vehicle the very same day. Very satisfied with their response.” — Blanca from California
Assurant’s negative customer reviews mention slow claims processing, unclear denial reasons and poor communication.
“600 of my 2100 dollar claim was paid. The rest was denied ... I requested the inspection report that was used to determine the denial and was told they don't have it.” — Brian from California
» SEE FOR YOURSELF: Assurant Extended Warranty reviews
Nova Warranty reviews
Customers have mixed experiences with Nova Warranty. Positive reviews highlight that the representatives are professional, respectful and helpful in explaining coverage options. Many customers appreciated prompt claims processing and direct payments to repair shops.
“Recently had a repair done on my Range Rover Sport HSE. They paid for it right away with no hassle, all they needed was a diagnostic and invoice from my dealer, they even paid for my rental car although I did have to send the receipt but they reimbursed me which wasn't too big of a deal and they sent it right to my card. Highly satisfied with their service!” — Roger from New Jersey.
Some reviewers expressed significant dissatisfaction, citing poor customer service and unmet expectations.
“Getting in contact with NOVA claims department took way too long, I had to call the original person who signed me up in order to get a call back. After she called I was contacted, very poor instruction on how to submit a claim.” — Diana from California
» SEE FOR YOURSELF: Nova Warranty reviews
Bottom line: Assurant Extended Warranty or Nova Warranty?
All things considered, what kind of driver is each provider best for?
Assurant is best for customers looking to get an extended auto warranty through a dealership when they make their vehicle purchase.
Nova is best for drivers seeking reliable coverage for all types of cars, from daily drivers to exotic sports cars.
If neither sounds like a good fit, or if you’d simply like to see more top-rated providers, check out our other picks for the best extended car warranty companies.
