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Home Depot Extended Warranty Review (2021)

A home warranty can supplement homeowners insurance and help cover the cost of repairs or replacements when major appliances and systems fail. Because there are many home warranty companies on the market, it can be difficult to figure out which company is right for you. In this Home Depot extended warranty review, we’ll discuss plans, pricing, and coverage, and recommend other home warranty alternatives.

Home Exterior William Geddes

The Home Depot works with insurance provider, Asurion, to provide an extended warranty on appliances sold from the store after factory coverage expires. Per its terms and conditions, if a manufacturer warranty guarantee is absent, protection begins immediately following the expiration date of the retailer’s in-store return policy.

To obtain a Home Depot warranty, consumers must purchase protection when they buy an appliance or within 90 days of their purchase.

Since there are a variety of warranty options available, the This Old House Reviews Team did the work for you and reviewed multiple home warranty companies to help you find the best protection for your home. In this review, we’ll discuss Home Depot extended warranty coverage and pricing, and help you decide if this is the best home warranty option for you and your home.

A Home Depot warranty offers various tiers of protection and coverage will depend on how much your appliance costs.

Home Depot Extended Warranty Plans and Coverage

Equipment Value What’s Covered?
Equipment Value What’s Covered?
$299.99 and up (Excludes hot water heaters and major appliances) Offers the replacement of a product in case of a breakdown and includes surge protection
$300.00 and up (Excludes hot water heaters and major appliances) Provides the same benefits as the less expensive plan but includes pickup and delivery for products with an original price of $799.00 and above
Hot water heater Protects equipment for five years after the manufacturer's warranty and covers surge protection and re-installation labor if a replacement is needed

The Home Depot warranty covers the following major appliances:

  • Compactors
  • Cooktops
  • Dishwashers
  • Clothes washers
  • Clothes dryers
  • Freezers
  • Built-in microwaves
  • Over-range microwaves
  • Wall ovens
  • Refrigerators

Coverage included on these significant appliances is subject to certain terms but will remain in effect depending on the length of protection purchased, either three or five years.

Optional Add-ons

Optional add-ons are available for different areas in the home and are offered with individual fees and terms. Here are a few add-on protections that can be tacked onto your Home Depot extended warranty:

  • Hot water heater
  • Indoor garden protection
  • Tool protection
  • Furniture protection

Coverage Specifics

Studying the fine print of an extended warranty agreement can help you understand your coverage and the expectations of a provider. Here are a few highlights from the Home Depot extended warranty sample contract.

Food Spoilage

If a refrigerator or freezer breaks down, and the cause is under warranty, policyholders are eligible for up to $300 per incident. Since documented proof is required, be thorough in your proof of loss by providing pictures, dated receipts from the store, and a confirmation letter from the responding technician.

Parts Reimbursement for Preventative Maintenance and Cosmetic Components

Appliances will require preventative maintenance to ensure optimal performance. The Home Depot extended warranty rewards homeowners for proving they are involved in this routine by offering 50% off discounts on supplies like:

  • Air filters
  • Dryer lint brushes
  • Water filters and lines
  • Aluminum vents
  • Water fresheners and hoses

Cosmetic parts include:

  • Refrigerator shelves and doors
  • Range and oven knobs
  • Range heating elements or grates
  • Drip pans

Since this credit offer is available as a rebate, you must pay full price in-store or online and provide a receipt to Asurion with the purchased products shown. A reimbursement cap of $500 exists for the duration of the Home Depot warranty.

Coverage Exclusions

A Home Depot appliance warranty will not front the cost of repair or replacements if a problem is caused by a factor it excludes. Typical of most warranty plans, some exclusions include a defect developing from abuse, misuse, or from using the appliance outside of a manufacturer’s instructions.

Third-party issues like acts of God and theft loss are also excluded and should be reported to a homeowners insurance provider instead.

Kitchen Deborah Whitlaw Llewellyn

Home Depot Extended Warranty Pricing

The cost of a Home Depot protection plan depends on the value of the appliance you purchased and the length of a contract. According to Home Depot, protection for equipment that costs between $700–$999 for five years is offered for $160. More expensive appliances like a washer and dryer combination may require coverage from $1,500–$1,999 and would cost $235 for five-year insurance.

To compare expenses for a three-year plan, the $700–$999 option is $105, and the more expensive scale costs $155. This extended warranty payment is due at the time of an appliance purchase, or within 90 days of the receipt date.

There is no deductible or service fee after claiming an issue or receiving service and transfer fees are waived if you decide to sell your home.

How to File a Claim with Home Depot

Home Depot protection plan owners can submit a claim by filing it online through Asurion or calling 844-529-2701.

The call center is available 24/7, 365 days per year. Once a request is accepted, the company store dispatches a technician from its network of service experts, all of whom have undergone a background check.

To streamline the process of making a claim and receiving service, ensure your appliances and protection plan are registered. To create a permanent record, buyers can upload a copy of their receipt to the warranty provider or keep a physical copy for peace of mind.

The Home Depot Extended Warranty Reviews

The Home Depot has been a Better Business Bureau (BBB)-accredited business since 1989 and holds an A- rating with the BBB. Reviews from customers are mixed, with many complimenting quality customer service and others noting that representatives were unprofessional. Some customers with Home Depot extended warranties have noted frustrations with Asurion unexpectedly denying their claims.

You can find a sampling of reviews below. Note: The customers reviews are for The Home Depot as a whole, not the protection plans in particular.

I appreciate the quick response from customer service that I received after I submitted my complaint. My complaint was quickly resolved to my satisfaction. I shop with Home Depot because I trust the quality of the products they sell and they stand behind their products. I walk into other stores supposedly equal to The Home Depot and cannot find anyone to help me. At The Home Depot there are usually two or three associates who will stop and ask me if I need help. Employees at the service desk are very patient and helpful.” — Eileen L. on 7/23/2019

The appliances are a joke! The service plan is a bigger joke. Do not bother purchasing the extended warranty as they will not fix their faulty appliances.” — Tara S. on 3/12/2020

Our Conclusion

The Home Depot extended warranty is only efficient when a homeowner buys an appliance from the company’s store or website and wants individual coverage for their new equipment. It’s not ideal for total-home coverage that protects a variety of home systems and appliances.

Additionally, policies must be added when you purchase your appliance or within 90 days of the sale to be valid, so the extra expense for coverage must be considered when investing in new machines.

For the best protection for appliance and system failures, consider acquiring a policy from a dedicated home warranty company like American Home Shield. With just one policy, you can cover major household systems and appliances at once.

We recommend all three home warranty companies listed above, however, American Home Shield is our top choice for comprehensive appliance and system coverage. An industry leader, American Home Shield has been in business since 1971 and is the oldest home warranty provider on the market.

Homeowners can choose from three protection plans: ShieldSilver™, ShieldGold™, and ShieldPlatinum™. ShieldPlatinum is the most popular plan, bundling coverage for 23 major systems and appliances alongside perks like roof leak coverage and coverage boosts.

Customers can also customize their service call fees with American Home Shield. You have the option of $75, $100, and $125, and your monthly rate will be higher or lower depending on what you choose.

American Home Shield is also known for its quick and efficient claims process. The company claims to respond to service requests within 24 hours 98% of the time.

For a free quote from American Home Shield, call 844-529-9298 or fill out an online form with your zip code.

Frequently Asked Questions about The Home Depot Extended Warranty

Is coverage renewable?

Once a policy expires, options to renew the service for an additional extended warranty are typically unavailable. Because of this, buyers must consider whether the three-year protection plan will be sufficient or if a five-year guarantee is of more value.

Does Home Depot replace appliances?

While the extended warranty for non-major appliances offers adequate protection, Home Depot will use its discretion to determine if replacements are required. In most cases, rather than replacing equipment, the company will provide policyholders with a gift card or check for the original purchase price.

Ultimately, this policy helps alleviate issues with availability as, sometimes, products shown as readily accessible are stocked but inventory levels cannot be guaranteed.

What is the Home Depot No-Claim Reward?

A benefit offered under the Home Depot extended warranty is a reward system for a plan ending without a service claim. Policyholders are eligible for a 30% reimbursement of the three- or five-year plan that was initially in service. Keep in mind, the benefit is only available up to 60 days after a service agreement expires.

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