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Costco Home Warranty Review (2021)

A house is one of the largest financial investments a person will make in their lifetime, and it’s worth it to protect this investment with a home warranty. A home warranty protects your home systems and appliances if they break down due to normal wear and tear and will protect you from paying for expensive repairs and replacements. Keep reading to learn all about a Costco Home Warranty and how it can protect your home.

Idea House, Kitchen Nat Rea

If you have a Costco membership, you’re eligible to get a SquareTrade protection plan when you purchase a new appliance or suite of appliances from a Costco warehouse or the Costco site. This service agreement guarantees that Costco is responsible for the replacement and repair of appliances when the damage falls under the terms of your service contract.

In this review, the This Old House Reviews Team will go over Costco SquareTrade protection plans in-depth, compare coverage and pricing, and recommend other top home warranty companies to help you find the best home warranty.

Compare the advantages and disadvantages of Costco warranty plans below.

Costco Home Warranty Pros and Cons

Pros Cons
Pros Cons
Has an A+ rating from the Better Business Bureau (BBB) No sample contract available online
No service fees Covers one appliance or suite instead of multiple home systems and appliances
Provides 24/7 customer service More expensive than other home warranty providers

Check out our other recommended providers if you’re looking for more comprehensive coverage and lower prices.

State Availability

Costco Home Warranty is available in 49 states, however, is not available in Alaska. For those living in AK, check out our picks for the best home warranty companies in Alaska.

Costco Home Warranty Plans and Coverage

Costco offers a variety of plans through SquareTrade, separated by types of appliances and their associated costs. Each plan covers your appliances for a total of five years—the first two years are covered by Costco Concierge and the remaining three years are covered by SquareTrade extended protection.

Here are the available Costco coverage plans:

  • Appliance Plan—This plan covers a single refrigerator, freezer, washer, dryer, range, dishwasher, or microwave.
  • Kitchen Suite—With a Kitchen Suite protection plan, customers can cover a set of purchased items. For example, you can bundle coverage for a dishwasher, microwave, and refrigerator under this plan.
  • Laundry Suite—With this plan, you can cover a clothes washer and dryer.

When you buy a Costco warranty, you can also enjoy the following benefits:

  • 24/7 customer service
  • Hassle-free online claims processing
  • Free shipping for all home repairs
  • No hidden fees
  • Free 30-day trial

Coverage Exclusions

Costco SquareTrade plans are exclusive to Costco members. They don’t cover physical damage, intentional damage, accidental damage, loss, or theft. If you sell your appliance or suite, the protection plan is transferable to the new owner. However, you can’t transfer plans from one item or suite to another.

Note: Customers must purchase a SquareTrade plan within 90 days of buying the appliance to receive coverage.

Costco Warranty Plan Pricing

The cost of each Costco warranty will depend on the type of coverage you choose. Here’s a pricing breakdown of each Costco plan.

Costco Home Warranty Costs

Appliance Suite Cost
Appliance Suite Cost
Appliance (Under $1,000) $79.99
Appliance ($1,000–$2,000) $99.99
Appliance ($2,000+) $119.99
Kitchen Suite
Kitchen Suite (Under $2,000) $159.99
Kitchen Suite ($2,000–$4,000) $299.99
Kitchen Suite ($4,000+) $399.99
Laundry Suite
Laundry Suite (Under $2,000) $159.99
Laundry Suite ($2,000+) $199.99

Compared to other home warranty plans, Costco plans are slightly more expensive for the coverage you get. For example, a Kitchen Suite ($4,000+) plan costs $399.99 and includes coverage for only major kitchen appliances, whereas a basic home warranty plan typically costs around $300 and includes coverage for major appliances and systems.

How to File a Claim with Costco

To file a claim, call 1-866-861-0450 for assistance with your broken appliance.

Costco Home Warranty Reviews

Costco has an A+ rating from the BBB, but specific home warranty reviews are not available. Here’s a sampling of general Costco reviews:

“I have had multiple issues here after shopping here for more [than] 10 years. Over the course of 10 years shopping at Costco, they have been more [than] willing to refund me and always treated me with respect. They were always willing to fix their mistakes and even when I was being somewhat unreasonable with a refund, they accepted it.” — EM on 2/25/2018

“I placed an order and paid extra for expedited 2–3-day delivery. That was 6 days ago. Now they say delivery will be tomorrow—7 days, which is the maximum for free, standard delivery. Never depend on Costco expedited delivery. I wouldn’t go as far as to say it’s a scam, but they clearly have no reliable delivery operations.” — Fran J. on 10/25/2018

Our Conclusion

Costco warranty plans are available only to Costco members and cover only a few major home appliances. If you’re looking for more comprehensive home coverage at an affordable price, check out our preferred home warranty providers below.

Top Home Warranty Provider Comparison

American Home Shield, Choice Home Warranty, and Select Home Warranty are some of the best home warranty companies in the industry due to their multiple plan offerings, competitive pricing, and easy claims process.

Compare Home Warranty Providers

Provider American Home Shield Choice Home Warranty Select Home Warranty
Provider American Home Shield Choice Home Warranty Select Home Warranty
Get a free quote Visit Site Visit Site Visit Site
Best for Best Overall Best Service Lowest Deductible
Plan options 3 + optional add-ons 2 + optional add-ons 3 + optional add-ons
Monthly premium $40–$58 $36–$44 $36–$38
Service fee $75–$125 $60–$85 $60–$75
Coverage begins after 30 days 30 days 30 days
Additional benefits Customizable coverage One month free Two months free

To get the best home warranty for you and your home, we recommend getting quotes from all three providers, as pricing will depend on where you live, the square footage of your home, and the protection plan you choose. Once you have quotes from all three companies, you can compare your options and go with a home warranty company that’s right for you and your budget.

Frequently Asked Questions about Costco Warranties

Does Costco offer a home warranty?

While Costco doesn’t offer a blanket home warranty option, they do offer SquareTrade protection plans that cover specific appliances. Costco offers warranties for single appliances, kitchen suites, and laundry suites.

How much does a home warranty cost?

The average cost of a home warranty is between $300–$600 a year and deductibles can range between $75–$125 per claim. Note: warranty plans for a single-family home may be slightly cheaper than plans for duplex, triplex, or multiplex homes.

What does a home warranty cover?

A home warranty covers a variety of home systems and appliances, including air conditioning systems, electrical systems, water heaters, refrigerators, dishwashers, and other mechanical systems.

Who needs a home warranty contract?

A home warranty can protect all types of homeowners, from first-time home buyers to seasoned homeowners living in older homes to mobile homeowners. If you’re looking for move coverage on major home systems and appliances or just want to feel financially secure in the event of an unexpected breakdown, a home warranty may be a good option.

Additional resources:

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