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3 best refrigerator warranties

Find the right coverage for your fridge

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By: Alina Bradford
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Edited by: Cassidy McCants

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    two-door refrigerator with ice maker in a kitchen

    Your fridge is a key part of your daily life, keeping your food fresh and preventing waste. If it breaks down, repairs or replacements can be expensive, and you might lose a lot of food. That’s where a home warranty comes in.

    When searching for a home warranty company for your fridge, do your homework. Choosing the right home warranty company and plan can make all the difference. A good provider will offer quick, reliable service and comprehensive coverage, so you won’t have to worry about unexpected costs. By carefully picking the best plan, any fridge issues you encounter can cause you less stress.

    Our picks

    Compare our picks for refrigerator warranties

    Below, compare our picks on ratings, reviews and plans with refrigerator coverage.

    *Accurate as of publishing

    More details about our top refrigerator warranty picks

    Our research team has studied over 26 different home warranty companies to find the best of the best. We compared customer reviews, plans, coverage limits and prices to find which ones offered the most benefits. When it comes to refrigerator coverage, three companies stood out.

    First American Home Warranty
    First American Home Warranty
    4.2
    8,603 reviews
    Plans with refrigerator coverage:
    3
    Service fees:
    $100 or $125
    Monthly cost for basic coverage:
    $42.00 or $47.00 for Starter Plan
    Read Reviews
    Special Offer

    $100 off with code PROTECT

    $100 off a home warranty with code PROTECT

    First American Home Warranty’s basic coverage starts at just $42.00 or $47.00 per month, and service fees are $100 or $125. Packages cover everything from appliances to pools and spas, and the service center is available 24/7.

    Refrigerators are among the most expensive appliances to repair or replace, so sometimes home warranty companies exclude them from their base package coverage. First American Home Warranty, on the other hand, includes refrigerators in its cheapest package. Plus, as long as your fridge is in good working order when you start your plan, the company will cover it even if it’s older.

    Jim from California said about his experience, “My fridge failed and I was offered a replacement or cash and since the replacement did not meet my specs I took the no hassle check. The fridge was delivered within the timeframe estimated and was installed requiring a door side change which was done quickly and all turned out just fine.”

    Most home warranties have caps, meaning the company will pay up to a certain amount to fix or repair a refrigerator. First American Home Warranty’s cap for refrigerators is $3,500 as of publishing, though the company doesn’t define if this is per repair or per contract year.

    If you have a high-end fridge, your plan may not cover its full replacement. There is a fix, though. If you opt for the Premium Plan, First American Home Warranty will cover up to $7,000 worth of repairs or replacements per claim.

    The company also limits what it will repair. Some examples of items not covered include refrigerators located outside the kitchen area, insulation, shelves, racks, drawers, lights, handles, ice crushers, tracks, beverage dispensers, interior thermal shells, stand-alone freezers and refrigerant replacement. While the number of exclusions can seem alarming, the company covers most things that actually keep a fridge running, like the motor and coolant.

    2024 Buyers Choice Award Winner
    Super
    Super
    3.5
    413 reviews
    Plans with refrigerator coverage:
    2
    Service fees:
    $89
    Monthly cost for basic coverage:
    $77.00 for Signature plan
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    Super Home Warranty is another company that provides comprehensive coverage. The Signature plan (mid-range plan) costs $77.00 per month as of publishing, and service fees are $89. We’re quoting the mid-range package instead of the base package because refrigerators are only included starting with the Signature plan and up.

    Super is fast at getting back to its customers. Its policy is to reply to a service request in four business hours on weekdays or 48 hours on weekends or holidays. It also offers 24-hour emergency service for flooding caused by your appliance.

    Also, unlike many home warranty companies, Super covers a refrigerator’s ice maker and water dispenser. That’s good news for homeowners who often find that these features are the first to break on their fridges.

    Keinetta of Arizona said about her experience with a fridge issue, “The first time I had to call them, my refrigerator compressor went out, my dryer went out, and my solar panels went out within like 10 hours span. One by one by one. It was a nightmare. My son and I went grocery shopping, put the food in the fridge and went to sleep. I woke up and lost all the food I just bought and the food that was already in the fridge. It was about $500 worth of food. It was bad. Super Home was able to send someone out almost immediately to fix that.”

    Super’s cap on how much it will pay for refrigerator repairs and replacements is $3,000 as of publishing. That’s $500 less than First American Home Warranty. Still, if you have a less expensive fridge, that probably won’t be a problem.

    If you opt for the Lux plan, your coverage is boosted to a whopping $10,000 — a good option if you have high-end appliances.

    You should also be aware of what the company won’t cover. Super doesn’t cover any removable parts or problems that don't affect the main function. It also doesn’t cover interior thermal shells or insulation, filter housing, filters and lighting.

    2x Award Winner
    Selected for having one of the highest satisfaction rates for Best Claims Handling and Best Coverage Options
    Select Home Warranty
    Select Home Warranty
    2.8
    14,476 reviews
    Plans with washer coverage:
    2
    Service fees:
    $60 or $75
    Monthly cost for basic coverage:
    $60.42 for Bronze Care
    Get a Quote Read Reviews

    Select Home Warranty is known for its outstanding roof coverage, but it also offers great coverage for appliances and systems throughout your home and 24/7 customer service.

    Select Home Warranty is one of the more affordable of our three top picks. Plans with refrigerator coverage start at $60.42, with service fees of $60 or $75. It also offers discounts if you sign up for more than one year. So, if you’re looking to save some money, Select may be a good contender.

    Nick of Maryland said about his experience, “I called in a claim for repair on the fridge that broke down. The representative who answered my call was prompt and courteous. When they asked questions, they were very patient while she waited for my responses. The rep spoke very clearly and she proceeded to give me the necessary next steps. I also asked questions about scheduling and local repair technician, which she promptly answered. I am very pleased with the customer service and will recommend to others.”

    Your contract with Select covers one refrigerator, so if you have more than one, it’s important to ask if you can add coverage for additional refrigerators.

    Coverage also includes all modules, components and parts necessary for the refrigerator to function, such as the compressor, control boards, thermostats, damper control, wire harness, condenser fan motors, evaporator fan motor, pressure switches, relays, contactors and thermistors. The company states in its terms that the sealed system is not included.

    What it doesn’t specify is if ice makers and water dispensers are included in the coverage. Be sure to check your contract — or ask a sales representative — before signing it if this is important to you.

    Also, the coverage cap for refrigerators with Select Home Warranty is low, at $500 as of publishing. If anything expensive to fix goes wrong with your fridge, you’ll need to pay for whatever is left after the cap is reached.

    What does a home warranty cover for refrigerators?

    Home warranties typically only cover mechanical problems with refrigerators. These problems must also be caused by normal wear and tear.

    » MORE: What does a home warranty cover?

    What’s not covered

    There are many items that most home warranty companies don’t cover. Broken drawers, racks, and cosmetic problems like scratches or rust are not covered. Home warranty companies also don’t cover any damage caused by “acts of god,” like floods, earthquakes, fires or improper fridge maintenance. If your refrigerator is still under the manufacturer’s warranty, it won’t be covered under your home warranty, either. Plus, most companies won’t cover professional-grade fridges.

    What to consider when buying a refrigerator home warranty

    When buying a refrigerator home warranty, comparing multiple companies is important. Each provider offers different levels of coverage, pricing and service quality. Comparing these options helps you find the best fit for your needs and budget.

    It's also important to understand how each company handles service. Some providers work with specific technicians in your area, while others allow you to use your preferred service person. Knowing this can affect the convenience and reliability of repairs.

    Simplify your search

    Compare plans tailored to your home & budget.

      FAQ

      Will a home warranty pay to replace my refrigerator?

      Yes, most will as long as the damage cannot be repaired, the damage was caused by normal wear and tear and the price of the new fridge isn’t more than the coverage cap stated in your contract.

      Do I need a refrigerator warranty?

      If your fridge is still under the manufacturer’s warranty, you don’t need to buy a home warranty plan. You may also not need a home warranty plan if you have the budget for repairs.

      How much does it cost to repair a refrigerator?

      The average fridge repair cost is $350 as of publishing, though costs may range from $300 to $500.

      Does a refrigerator home warranty cover preexisting conditions?

      No, most home warranties don’t cover appliances with preexisting conditions, which generally means problems with a washing machine that existed prior to starting the home warranty.

      Bottom line: Is a home warranty worth it for refrigerator coverage?

      Deciding if a home warranty is worth it for refrigerator coverage depends on a few different factors. Refrigerators are essential appliances, and fixing or replacing them can be pricey. A home warranty can give you peace of mind, knowing that unexpected breakdowns are covered and you won’t face hefty repair bills.

      Think about the warranty's cost compared to potential repair costs. Extra coverage might be unnecessary if your fridge is new or still under the manufacturer’s warranty. But a home warranty can be a great safety net for older fridges.

      Look at the reliability and terms of the warranty provider, including what they cover and any exclusions. By considering these factors, you can decide if a home warranty for refrigerator coverage is a good choice for you.

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