Do home warranties cover ovens, ranges and cooktops?

Check what’s covered to avoid costly surprises later

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Since home warranty companies cover appliances, it’s probably no surprise that they cover ovens, ranges and cooktops. That’s probably a good thing since the average repair cost for an oven or range is $100 to $200, and replacing it can cost anywhere from $500 to $2,500. There are some things you should know about before filing a claim, though.


Key insights

Most home warranty companies cover ovens, ranges and cooktops.

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Sometimes, companies don’t cover ranges or cooktops but do cover ovens.

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Most home warranty contracts include some limitations and exclusions that could get your claim denied.

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What oven, range and cooktop services does a home warranty cover?

Home warranties almost always cover ovens, ranges, and cooktops, but some plans focus on home systems and may not cover kitchen appliances. Other plans may not cover specific appliances, such as wall ovens, may not be covered under some appliance plans.

Your policy might also only cover specific parts of your oven, range, or cooktop, so it's important to review your contract. For example, warming drawers that aren’t incorporated into the range or oven unit may not be included.

Potential exclusions to oven, range and cooktop warranty coverage

Even with home warranty coverage for your oven, range or cooktop, there's still a chance your claim may encounter some obstacles. Here are some common exclusions in your home warranty contract that could affect your ability to get a repair or replacement:

  • The appliance wasn’t taken care of properly.
  • Your oven, range or cooktop was installed improperly.
  • It has preexisting issues.
  • The policy has limited coverage for specific brands and models or old appliances.
  • Your homeowners insurance already covers the problem with the appliance (like fire or flood damage).
  • The damage didn’t come from regular wear and tear.
  • Unauthorized technicians performed the repairs.
  • Your policy doesn’t cover professional-grade appliances.

Additionally, your policy might have a cap on how much the home warranty company will pay for a repair or replacement. You'll be responsible for covering the additional costs yourself.

For example, American Home Shield has a coverage cap of $2,000 per appliance on its ShieldGold plan ($4,000 with the ShieldPlatinum plan). This cap covers the diagnosis and repair or replacement of your oven, range or cooktop.

What to do if your home warranty doesn’t cover ovens, ranges and cooktops

If your home warranty plan doesn't cover ovens, ranges or cooktops, you can make changes to your package. You might have the option to upgrade to a package that includes oven, range and cooktop coverage, or you could add it to your current plan as an extra feature. This will add a little extra to your home warranty costs, though.

Another thing to consider is your homeowners insurance. Your policy could cover oven, range and cooktop repairs in certain situations — like if a fire or flood impacts your home.

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    FAQ

    What does a home typically warranty cover?

    Home warranties usually cover large appliances, built-in microwaves, water heaters and systems like HVACs, plumbing, ductwork, pool heaters and well pumps. Some plans also cover additional items like pest control, septic systems, central vacuums, sump pumps and more.

    Is my oven, range and cooktop covered under warranty?

    Your oven, range or cooktop may be covered under warranty depending on how old it is. The documents that came with your unit may provide information.

    What does a home warranty cover compared to home insurance?

    They cover two different types of damage. Home insurance covers damage caused by mishaps like floods, fires and theft, while home warranties cover repairs or replacements from normal wear and tear.

    Bottom line

    Home warranty companies typically cover ovens, ranges and cooktops as part of their appliance coverage. However, protection may vary depending on the specific terms of your home warranty package’s contract. Be sure to review your policy to understand what is covered and any limitations or exclusions that may apply to your appliances.


    Article sources
    ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this article include:
    1. American Home Shield, “Range/Cooktop Warranty Coverage.” Accessed March 29, 2024.
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