Washer and dryer repairs average $150-$400 for common failures. Full replacements run $500-$1,500. Coverage is straightforward — but there are exclusions worth knowing.
Damage from overloading. If the machine shows signs of overloading damage (drum, bearings), it may be denied.
Drum damage. Cracks or damage to the drum itself are cosmetic/accidental, not covered.
Door gaskets/seals. Front-loader door gaskets are wear items frequently excluded.
Filters and dispensers. Lint filters, detergent dispensers — not covered.
External damage. Rust, dents, physical damage — not covered.
Dryer vent cleaning. Clogged dryer vents are a maintenance issue (and a fire hazard). Warranty won’t cover the cleaning; clean your vent annually regardless.
Cosmetic damage. Dents, rust, discoloration.
Ductwork/venting. The exhaust duct from the dryer to the exterior is typically not covered.
Most plans cap washer and dryer coverage at $500-$1,000 per unit. This is generally adequate for repairs and even modest replacements. High-end front-loaders ($1,200-$2,000) may exceed caps for full replacement.
Washer/dryer combination units (single-unit washer/dryer combos) — some plans cover them as one unit; others as two. Stacked units (separate washer and dryer in a stacked configuration) are covered as two separate appliances. Verify with your company.
Document your maintenance. Keeping dryer vents clear, not overloading the washer — these simple habits remove grounds for denial. If you get a denial citing “damage from improper use,” request the technician’s specific notes and the contract language they’re applying.