Refrigerator coverage is standard in comprehensive plans. The key items to verify before purchasing: whether your ice maker is included, and whether your plan has adequate caps for premium built-in units.
What Refrigerator Coverage Includes
What's Typically Excluded
Cosmetic damage
Dents, scratches, rust, chipped paint - not covered.
Handles and hinges
Physical breakage is excluded as mechanical wear by many plans.
Interior shelving and drawers
Broken glass shelves, cracked crisper drawers - not covered.
Food spoilage
When your refrigerator fails and food spoils - not covered. Check your homeowners insurance; some policies include limited food spoilage coverage.
Water filter
The filter itself is a consumable, not covered. The filter housing mechanism may be covered.
Second refrigerators
A second refrigerator in the garage or basement typically requires an add-on.
Ice Maker Coverage - Check Your Plan
Ice maker coverage is not universal. Some plans include it in basic refrigerator coverage; others require an add-on. Verify before purchasing. Ice maker repair costs $150–$400 typically. Ask your company specifically: "Is the refrigerator ice maker included, and does that include the water inlet valve?"
Coverage Caps
Typical Cap
$500–$1,500
Most compressor repairs and standard replacements fall within this range.
Premium Built-In Replacement
$3,000–$8,000+
Sub-Zero, Thermador, Miele. Standard caps may be far below replacement cost.
Built-In Refrigerator Note
If you have a premium built-in unit (Sub-Zero, Thermador, Viking), standard home warranty coverage may not adequately cover repair costs. These units use specialized technicians who charge premium rates.
When to File - and When Not To
File when: the refrigerator isn't cooling, the compressor is failing, or the ice maker has a clear mechanical failure (not just slow production).
Don't file for: normal temperature fluctuations (adjust settings first), an ice maker that was never working right (pre-existing), or cosmetic issues.