The key distinction: built-in microwaves (over-the-range, wall-mounted) are covered in comprehensive plans. Countertop microwaves are not - they're portable appliances that cost $50–$200 at retail, not permanent installations.
Built-In vs. Countertop - The Critical Distinction
Built-In Microwave
Over-the-range unit or wall-mounted unit - permanently installed. Typically covered in comprehensive plans.
Replacement cost: $300–$800+ installed
Countertop Microwave
Portable appliance - NOT covered by any standard home warranty plan.
Replacement cost: $50–$200 at retail
What Built-In Coverage Includes
What's Excluded
The Service Fee Math
Magnetron or Board Repair
$150–$400
Coverage works well here - pay service fee, warranty covers repair cost. Math favors filing.
Unit Replacement
$300–$600
Installed. Company-supplied replacement + service fee is usually a good deal vs. out-of-pocket.
Before Filing - Check These First
File only for genuine mechanical failure. Check these non-claim items first:
File when: The microwave won't start at all, displays an error code, the magnetron isn't producing heat (confirmed with water test), or the door latch has mechanically failed (the door won't stay closed). These are genuine mechanical failures - not maintenance issues.