Sears Home Warranty offers nationwide coverage for major home systems and appliances, with plans backed by the brand’s long-standing appliance and repair network. While the company stands out for its higher coverage limits and workmanship guarantees, plan availability and service experience can vary by location.
Read on to learn more about home warranty coverage from Sears, what you might pay for benefits, and the fine print you should know before you buy.
Our Take on Sears Appliance Warranty
Sears Home Warranty is a nationwide service provider backed by the brand’s appliance and home services team. Sears advertises a total of five plan offerings throughout the country, ranging from appliance-only or HVAC-only coverage to whole home protections. However, after requesting sample quotes for addresses in all 50 U.S. states, we found the company limits coverage options in most states to the Sears Appliance Warranty, which covers 11 common home appliances.
The Sears Appliance Warranty includes generous terms, with individual limits of up to $3,500 per covered item. While aggregate or overall limits of $12,000 also apply, this plan includes bonuses such as discounts on non-covered appliance and HVAC repairs serviced by Sears, discounts through Sears Parts Direct, and coverage for two home refrigerators. A $100 service call fee is applied each time you file a claim in most areas, and the company includes a 180-day workmanship guarantee for extra peace of mind.
However, Sears policies come with some limitations. Plans do not allow you to select your own service technician or service fee, which gives homeowners less pricing flexibility. More so, the company offers only a few add-ons compared to options such as Liberty Home Guard. Sears also isn’t the cheapest home warranty plan we’ve reviewed, with premiums of up to $110 depending on your location and coverage choice.
While it isn’t the most affordable home warranty option, plans include higher-than-average coverage limits and are backed by the reputation of Sears.
We Recommend Sears Appliance Warranty if You:
- Want a policy with higher individual item coverage limits
- Prefer having a long workmanship guarantee in case you need to claim multiple repairs for a single appliance or system
- Prefer a plan with extra benefits such as HVAC tune-ups and discounts on Sears appliances and services.
We Don’t Recommend Sears Appliance Warranty if You:
- Want flexibility in choosing your service call fee rate
- Need whole home coverage and live in a state where the company only offers appliance plans
- Prefer a plan that allows more customization with a longer list of add-on options
Sears Appliance Warranty Pros and Cons
Pros
- Covers two refrigerators under standard appliance plans, which isn’t common among providers
- Includes a 180-day workmanship guarantee, which helps avoid repeat service fees for the same issue
- Offers higher-than-average coverage limits, with up to $6,000 per system and $3,500 per appliance
Cons
- Doesn’t allow customers to choose their own service technician or adjust service fees
- Has higher premiums than competitors, especially for more comprehensive plans
- Varies plan availability significantly by location, with many areas limited to appliance-only coverage based on our quote process
Sears Appliance Warranty Plans and Coverage
Sears advertises up to five home warranty plan options, including appliance-only, systems-only, and combined coverage. However, plan availability varies significantly by location. Based on our quote process, many areas offer fewer options than advertised, with some customers limited to appliance-only plans depending on their ZIP code.
The following plans are generally available:
- Heating and Cooling Plan: A basic plan that covers home heating and cooling components, including HVAC ductwork.
- Systems Plan: A systems-only plan that covers 10 individual home systems, including items such as doorbells and smoke detectors.
- Appliance Plan: An appliance-only plan that covers 11 major home appliances, ranging from washer and dryer combos to trash compactors.
- Whole Home Plan: The most comprehensive option offered by Sears, combining coverage from the Systems and Appliance plans into one policy.
- Appliances and HVAC Plan: In some areas, a special plan is available that includes all 11 appliances on the Appliance Plan plus HVAC components and ductwork.
Most homeowners prefer bundled coverage over standalone plans. In 2026, we surveyed 2,000 home warranty users nationwide to better understand how homeowners choose coverage and found that nearly 70% opted for plans that include both systems and appliances. This makes combination options like the Whole Home Plan the most common choice.
The table below summarizes the coverage inclusions you’ll find on each Sears Home Warranty policy.
| Coverage | Appliance Plan | Systems Plan | Whole Home Plan | Heating and Cooling Plan | Appliances and HVAC |
|---|---|---|---|---|---|
| Air conditioners | ✔ | ✔ | ✔ | ✔ | |
| Built-in exhaust/vent/attic fans | ✔ | ✔ | ✔ | ||
| Built-in microwaves | ✔ | ✔ | ✔ | ||
| Ceiling fans | ✔ | ✔ | |||
| Clothes dryers | ✔ | ✔ | ✔ | ||
| Clothes washers | ✔ | ✔ | ✔ | ||
| Dishwashers | ✔ | ✔ | ✔ | ||
| Doorbells and chimes | ✔ | ✔ | |||
| Ductwork | ✔ | ✔ | ✔ | ✔ | |
| Faucets and valves | ✔ | ✔ | |||
| Garage-door openers | ✔ | ✔ | |||
| Garbage disposals | ✔ | ✔ | ✔ | ||
| Heating units | ✔ | ✔ | ✔ | ✔ | |
| Instant hot and cold water dispensers | ✔ | ✔ | ✔ | ||
| Interior electrical lines | ✔ | ✔ | |||
| Interior plumbing lines | ✔ | ✔ | |||
| Main breaker and fuse panel box | ✔ | ✔ | |||
| Ranges/cooktops | ✔ | ✔ | ✔ | ||
| Refrigerators | ✔ | ✔ | ✔ | ||
| Ovens | ✔ | ✔ | ✔ | ||
| Toilets | ✔ | ✔ | |||
| Water heaters | ✔ | ✔ |
Add-Ons
Sears Home Services offers only a few add-on options, with availability varying by states. Depending on your location, you may purchase the following optional coverage:
- Free-standing freezer
- Septic pump
- Swimming pool and in-ground spa
- Well pump
Addional Benefits
Sears Home Warranty plans also offer a few unique retail benefits, including the following:
- One free annual heating and cooling tune-up
- One free refrigerator tune-up
- Discount of 12% off at Sears Home Improvement stores
- Discounts of up to 25% on repair services not covered by a Sears Home Warranty
Reading the Fine Print
Before enrolling in any home warranty plan, it’s important to read a sample service contract to learn more about exclusions, deductible options, and cancellation terms. Sears Home Warranty makes it easy to download a sample contract and review terms before enrolling, based on our experience.
Like other home warranty companies, Sears Home Warranty plans include upper coverage limits that outline how much the company will pay for repairs during a contract term. For example, under the Appliance Plan, each individual item is covered against up to $3,500 in repairs per term. The total aggregate coverage for all appliance repairs is $12,000 per term.
Contracts also include details on individual component exclusions. For example, while the Appliance Plan includes coverage for two refrigerators, Sears specifies in its sample contract that it excludes ice makers from policy benefits. Sears makes component exclusions clear on each contract, bolding details where relevant, based on our review.
Source: Sears Home Warranty sample contract
Policies with systems coverage include higher individual item limits but more component exclusions. For example, air conditioning systems include a list of 10 excluded components and situations. But each individual system includes up to $6,000 in coverage with the same $12,000 aggregate limit.
Source: Sears Home Warranty sample contract
Finally, it’s important to review a home warranty company’s general liability limitations before enrolling in coverage. In other words, this includes damage and situations a plan will not cover. Some important exclusions outlined in Sears Home Warranty’ terms for all of its plans include:
- Damage caused by situations outside normal wear and tear
- Pre-existing conditions
- Flues, venting, chimneys, and exhaust lines
- Items that fail due to a lack of routine maintenance
Sears Appliance Warranty Coverage Caps
Sears Home Warranty plans include coverage limits that cap how much the company will pay for repairs or replacements during a contract term. These limits vary by plan type and apply both per item and as an overall annual maximum.
- Heating and Cooling Plan: $6,000 limit for both cooling and heating components with a $12,000 aggregate limit
- Systems Plan: $6,000 per system with a $12,000 aggregate limit
- Appliance Plan: $3,500 per appliance with a $12,000 aggregate limit
- Whole Home Plan: $3,500 per appliance, $6,000 per system (including HVAC components), and a $12,000 aggregate limit
- Appliances and HVAC Plan: $3,500 per appliance and $6,000 for HVAC components
- Add-ons: $1,500 per item and a $1,500 aggregate limit
These limits are higher than those offered by many competitors, particularly for major systems like HVAC. However, coverage caps still apply per claim and across the contract term, which means multiple repairs in a single year can quickly reduce your remaining coverage.
Sears Appliance Warranty Cost
The cost of a Sears home warranty depends on two primary factors: your location and the plan you select. The Appliance Plan ranges from $50–$70 per month, depending on your state, with service fees varying from $90–$150. If you live in a state with multiple plan options, selecting a plan with systems or whole-home coverage will increase the cost of your home warranty, according to our quote process.
Plan Cost
Pricing varies more by ZIP code and available plan types than by home size alone. In some areas, limited plan availability can lead to higher costs and fewer coverage options.
Sears uses a fixed service fee structure, so you can’t adjust your monthly premium to pay a higher or lower service fee. In our 2026 survey, most respondents reported service fees between $75 and $125, with satisfaction dropping as fees increased beyond that range. This makes service fee flexibility an important consideration when comparing providers.
Sears’ monthly rates and service call fees vary by state. Browse the table below to explore sample pricing for a Sears Home Warranty for a 1,500-square-foot home in Orlando, Florida.
| Plan | Monthly Cost | Service Call Fee |
|---|---|---|
| Appliance Plan | $60 | $100 |
| Systems Plan | $70 | $100 |
| Whole Home Plan | $110 | $100 |
Discounts
Sears offered one discount option on its home warranty policies when our team requested a quote. When you enroll in coverage online, you can choose between monthly or annual pricing, or pay for a year’s premium at once. If you enroll in annual coverage, you can save up to $250 each year based on the plan you choose.
Other Top Home Warranty Providers to Consider
Sears Home Warranty isn’t the only choice you have when it comes to shopping for home warranty coverage. Use the table below to explore a few of the best home warranty companies nationwide, according to our review team.
| Company | Our Rating (Out of 5) | Monthly Plan Cost | Service Fee Cost | Better Business Bureau (BBB) Rating* |
|---|---|---|---|---|
$36–$100 | $100–$125 | B | ||
$60–$68 | $100 | B | ||
$44–$82 | $75–$125 | B | ||
$57–$68 | $65–$125 | NR |
*BBB ratings are accurate as of April 2026. A “No Rating” or “NR” indicates the BBB has not issued a rating due to an ongoing review or update to a company’s profile.
Customer Reviews: Reddit, Trustpilot, and More
To understand the customer experience, we reviewed feedback from sources like the Better Business Bureau (BBB) and Trustpilot, focusing on patterns in service quality, response times, and claim handling.
Positive reviews often highlight knowledgeable technicians and successful repairs, with many customers noting prompt service once a technician arrives. Some reviewers specifically praised technicians for professionalism and clear communication during service visits.
However, the most common complaints center on delays and scheduling challenges. Many customers reported long wait times for appointments or the need for multiple calls to secure service, particularly for more complex repairs.
Here are a few examples of what homeowners with Sears Home Warranty plans said about the company.
“[My] technician was professional and courteous. He knew his job and provided helpful tips regarding proper maintenance of appliances. He took pride in his work. Thank you for sending him.” —Lorraine J. via Trustpilot, January 2025
“I have been paying Sears [for a] warranty for almost a year and after 11 months, my oven needed an igniter changed. After three weeks of nonstop calling, [Sears] scheduled a technician, and on the day of service, said [the] technician [was] not available. So no oven for more than three weeks [despite] paying [a] monthly fee.” —Harriet M. via Trustpilot, February 2025
Is Sears Appliance Warranty Worth It?
Deciding whether a Sears Home Warranty is worth the price depends on your home and financial situation. Home warranties can offer benefits for homeowners concerned about unexpected system or appliance breakdowns, as well as for those without an emergency fund. Home warranties can especially help you save money if you live in an older home and need more frequent repairs.
However, in some circumstances, a home warranty isn’t worth it. For example, if you moved into a new home with components still under the original manufacturer’s warranty plans. However, if you anticipate needing at least one home repair per year, a home warranty is more likely worth the price. We recommend getting a quote from Sears before you decide so you can learn more about available coverage options and cost. Note that since plan options vary by location, not every customer will qualify for the full range of service plans that Sears advertises.
FAQs About Sears Appliance Warranty
Who do I call for a Sears warranty?
To learn more about Sears Home Warranty and local coverage options, you can call the company’s customer service number at 419-558-4893.
Does a Sears Appliance Warranty cover a washing machine?
Yes, the Sears Appliances Plan offers up to $3,500 in protection for your washing machine each contract term. Review a service contract to learn about coverage terms and component exclusions.
Do Sears Home Warranty plans have a deductible?
Sears Home Warranty policies include a service fee, which is similar to a deductible. The service fee is due each time you use your plan benefits, rather than “met” once for the year as with your insurance policy.
Is a Sears Home Warranty worth it?
A Sears Home Warranty is worth considering if you don’t have a home emergency savings fund. The company extends higher-than-average coverage limits, which can especially offer benefits if you have high-end appliances from brands such as Kenmore or Wolf. If you have newer appliances and systems or a robust emergency fund to pay for repairs out-of-pocket, a home warranty might not seem as worth it.
Our Rating Methodology
We used an objective rating methodology to evaluate each home warranty company. Our process included researching each company’s available plans and features, obtaining quotes, and analyzing sample contracts.
To get a hands-on feel for each company’s products, we tested online quote tools, reached out to customer support teams, and surveyed 2,000 home warranty policyholders nationwide to learn more about their experiences. We’ve also signed up for home warranty plans with 11 leading providers over a two-year span to directly experience the enrollment and claims processes ourselves.
Using this data, we scored each provider across six key comparison categories essential when selecting a home warranty. Each company received a total score of 100 points, which we converted into a 5-star rating.
Here’s a breakdown of our weighted factors:
- Coverage (35%): This category looks at how comprehensive each provider’s coverage is, including whether it covers unique items. Companies that cover the most items and have higher annual limits received the highest scores. We docked points from providers that impose long waiting periods or have depreciation policies that decrease your payouts for aging items.
- Cost (20%): We looked at average monthly prices and service call fees. We gave the most points to companies offering pricing at or below the industry average that don’t impose any surcharges or extra fees.
- Trustworthiness (15%): To gauge reputation and reliability, we reviewed customer ratings across sites such as the Better Business Bureau and Trustpilot, as well as companies’ responses to complaints. We also checked for National Home Service Contract Association (NHSCA) membership. Providers with the highest ratings and longest workmanship guarantees received higher scores. We deducted points for any ongoing legal issues.
- Plan transparency (10%): We read terms, policies, and disclosures in provided contracts and on each company’s website. Providers with transparent contract details and policies received more points.
- Customer support (10%): Companies with multiple claims filing options, fast response times, and accessible customer support scored well in this category.
- Flexibility (10%): We awarded more points to providers offering more plan options, larger add-on catalogs, the ability to choose your own technician, and customer-friendly cancellation policies.
To share feedback or ask a question about this article, send a note to our team at reviews@thisoldhousereviews.com.
