Does a home warranty cover refrigerator?
Whether a refrigerator claim pays out depends on the plan tier, the per-item dollar cap, and the contract's exclusions list. Pre-existing problems and code-upgrade costs are almost always excluded. Below is what these plans typically include, what they typically exclude, and the contract language to read before you assume a repair is covered.
Typically covered. Typically excluded.
- ＋Compressor, sealed system, and cooling failure of the primary kitchen refrigerator due to normal wear
- ＋Thermostats, fans, and control boards on the covered unit
- ＋Integrated ice maker and water dispenser on higher tiers or as an add-on with many providers
- ＋A second refrigerator only when added as an optional covered unit
- －Pre-existing failures and units outside the primary kitchen on basic plans
- －Ice makers, water dispensers, and built-in food-preservation features on basic tiers (often an upgrade)
- －Interior shelving, racks, door seals, and cosmetic damage
- －Food spoilage above the plan's limited sub-cap, if one is offered at all
Refrigerator coverage by provider.
| Provider | Covered? | Score | Note |
|---|---|---|---|
| Add-on / tier | 4.1/5 | Kitchen refrigerator covered on ShieldGold and ShieldPlatinum; excluded on the ShieldSilver systems tier. | |
| Add-on / tier | 4.0/5 | Refrigerator covered on Appliance Guard and Total Home Guard; not on the Systems-only tier. | |
| Add-on / tier | 3.9/5 | Refrigerator covered on Appliances and Complete Home; not on the Built-in Systems-only tier. | |
| Add-on / tier | 3.9/5 | Refrigerator covered on Comprehensive and Platinum; narrower on the Standard tier. | |
| Standard | 3.8/5 | Kitchen refrigerator covered on all tiers; covers some failures from prior improper installation. | |
| Add-on / tier | 3.7/5 | Refrigerator covered on the Total Plan; the Basic Plan excludes kitchen appliances. | |
| Standard | 3.7/5 | Kitchen refrigerator covered on all tiers including Simply Kitchen, up to the per-item cap. | |
| Standard | 3.6/5 | Kitchen refrigerator covered on the buyer and seller plans up to the per-item cap. | |
| Add-on / tier | 3.4/5 | Refrigerator covered on Bronze and Platinum; excluded on the Gold systems-only plan. | |
| Standard | 3.3/5 | Kitchen refrigerator covered on Gold and Platinum up to the $1,500 per-item cap. |
Status reflects standard plan terms filed in the US market. “Add-on / tier” means coverage depends on the plan tier or a paid add-on. Provider order is by published overall /5 score, with no paid placement. Always confirm current terms in the sample contract before buying.
- A 9-year-old refrigerator compressor fails from normal wear; the plan covers the repair up to the cap and the homeowner pays the service-call fee
- The ice maker stops on a basic plan that did not include the ice-maker add-on; not covered
- A garage second refrigerator fails on a plan where only the primary unit is covered; not covered
- Whether the ice maker and second refrigerator are base coverage or paid add-ons
- Food-spoilage sub-caps that are low or absent and the comparable-replacement language
- Depreciation or non-original-part payout terms that reduce the settlement on an older unit
Does a home warranty cover refrigerator?
What is usually excluded for refrigerator?
Will the warranty pay the full repair cost?
- American Home Shield sample refrigerator coverage terms (Provider plan page, accessed 2026-05)
- First American Home Warranty plan coverage details (Provider plan page, accessed 2026-05)
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