Asurion Appliance+ Review: Worth It or Risky?
A Reddit user u/kdhuthx didn’t mince words when praising the ASURION Appliance Protection Plan, calling it “totally worth it” after three immediate claim payouts. Across platforms, this plan sits in the middle ground with some customers hailing fast resolutions, while others recount claim denials over seemingly minor technicalities. Overall score: 6.8/10 — strong for people managing multiple high-value appliances, but not immune to gaps between marketing promises and real-world experiences.
Quick Verdict: Conditional — Best for households with expensive, high-use appliances, but be wary of strict coverage definitions.
| Pros | Cons |
|---|---|
| Fast approval and next-day replacements | Frequent complaints of claim denials over exclusions |
| Covers multiple appliances under one plan | Overlap with manufacturer warranty diminishes early value |
| Includes food loss reimbursement for fridge/freezer | Requires service fee ($99) per approved claim |
| No expiration as long as subscribed | Replacement product may differ in brand or quality |
| Unlimited claims allowed | Some repairs delayed due to parts availability |
| Simple online or phone claim process | Customer frustration with certain contracted repair techs |
| Covers power surges from day one | Limited laundry service reimbursement ($25 cap) |
Claims vs Reality
The marketing emphasizes “hassle-free coverage” and “most claims approved within minutes,” supported by many users on Trustpilot who describe filing as “fast, easy, and completely stress-free.” Trustpilot reviewer David noted, “Filing a claim took just a few minutes online… my replacement device arrived the very next day.”
Yet several Redditors encountered significant friction when claims didn’t meet Asurion’s definition of covered damage. One user’s built-in microwave claim was denied for “not being properly installed” because they’d unplugged it for safety before submitting photos, despite installation being fine when the damage occurred. That incident sparked allegations that the instructions themselves contributed to the denial.
Marketing also touts power surge coverage from day one, especially appealing for large appliances like refrigerators. A Quora reviewer confirmed this worked for them, with quick repair scheduling after their fridge stopped cooling. But Reddit threads highlight that if a breakdown happens within manufacturer warranty, Asurion will redirect customers to the manufacturer first — something not heavily emphasized in sales copy.
Food loss reimbursement up to $250 is another selling point. While some praised this “bonus” after fridge failures, others found that the limit didn’t fully cover the cost of replacing stock for larger households. Similarly, the $25 laundry reimbursement for washers/dryers out for service beyond seven days often fell short of actual laundromat costs.
Cross-Platform Consensus
Universally Praised:
Customers who succeeded in making claims often rave about speed and simplicity. Trustpilot user Tina said her replacement arrived “in 1 day and was delivered on a Saturday.” A Reddit user u/lsa8rc4v described getting a full Amazon gift card refund for their broken item just over a year after purchase, with no repair attempt required.
Multi-appliance coverage under one subscription was lauded as cost-effective. Quora's Clayton S. Johnson emphasized the convenience of “no longer having to worry about manufacturer coverage expiring” for each individual product. High-use homes, especially with kids, valued drop/spill coverage for portable electronics alongside appliance protection — echoing Twitter user Jason’s point about “wear and tear” on family devices being handled quickly.
Common Complaints:
Frustration centers on claim denials hinging on technical definitions. The Reddit microwave case showed physical damage classified outside “mechanical or electrical” failures despite manifest operational impact. Amazon reviewers for the 5-year plan accused Asurion of “dishonest” practices after repairs were refused over a single insect sighting misinterpreted as “infestation.”
Repair experiences also vary. One Home Depot customer reported “six half days waiting for repairmen” without resolution to a draining dishwasher, ending with months of hand washing dishes. Several customers criticized language barriers with call center staff and what they perceived as “scripted” responses rather than problem-solving.
Replacement disparity is another sore point: Trustpilot reviewers noted replacements sometimes differ in brand, model, or features — upsetting those expecting identical units.
Divisive Features:
The $99 service fee per approved claim drew mixed opinions. For expensive appliance repairs, it’s seen as minor compared to out-of-pocket costs; for cheaper fixes, some considered it “throwing good money after bad.” Flexible coverage for “appliances you have — and haven’t bought yet” appeals to planners, but skeptics warn that this scope is irrelevant if exclusions rule out common breakages.
The overlap with manufacturer warranties was especially divisive: while it adds immediate surge coverage and some perks, Reddit discussions suggest value kicks in mainly after the manufacturer's term ends.
Trust & Reliability
Scam accusations exist — Reddit’s “Asurion Appliance Plus is a scam” thread cites a case where following photo submission instructions voided coverage. Amazon long-term reviewers recalled extended waits and repeated failed repairs before resolutions.
However, Trustpilot and Twitter feature strong counter-narratives. Stories like James’ — where intervention by a responsive rep named Pearl led to a waived deductible and a new phone after repeated tech no-shows — show the company’s capacity for goodwill and customer recovery. Long-term subscribers on Reddit note ongoing satisfaction when claims are valid, especially for high-value electronics/appliances beyond basic warranties.
Alternatives
Quora comparisons highlight stark differences:
- SquareTrade: Similar power surge and breakdown coverage, but requires individual plans per appliance — adding complexity and cost for multi-appliance homes.
- American Home Shield: Broader household coverage (HVAC, plumbing) but more expensive and with per-claim fees, making it overkill for appliance-only needs.
- Home Depot/Lowe’s Plans: Restrict coverage to store-bought items and fixed terms, lacking Asurion’s open-ended subscription model. Notably, one Amazon reviewer noted Home Depot dropped Asurion in favor of Allstate after negative experiences.
Price & Value
At $34.99/month for Appliance+, cost-effectiveness depends on frequency and type of issues. For luxury kitchens or households with multiple aging appliances, the plan fee plus $99 service charges can still undercut major repair/replacement costs. Reddit users balancing multiple active claims endorse it for savings.
The overlap with manufacturer coverage in year one is a potential waste for low-risk appliances. Communities advise using credit card extended warranty perks as an alternative for items with inherently low failure rates. The monthly model maintains value if appliances are prone to high repair costs or if proactive surge protection is worthwhile.
FAQ
Q: Does Asurion Appliance+ cover accidental damage?
A: Not typically for appliances — accidental damage coverage is limited to certain electronics like laptops and tablets. Appliance coverage focuses on mechanical/electrical failures, surge events, and wear and tear.
Q: Can I enroll appliances bought years ago?
A: Yes, Appliance+ covers eligible appliances under 20 years old, regardless of purchase date or store, but pre-existing conditions before enrollment are excluded.
Q: What happens if Asurion can’t repair my appliance?
A: They may provide a replacement or reimburse with an Amazon e-gift card for the purchase price, though replacement specs may differ from the original.
Q: How quickly are claims resolved?
A: Many users report approval within minutes, with repairs/replacements arriving within days. Delays can occur for specialty parts or contested coverage cases.
Q: Is there a claim limit per year?
A: No — the plan allows unlimited claims, up to $5,000 total coverage in any 12-month period.
Final Verdict: Buy if you run a busy household with expensive appliances that see heavy use — especially if manufacturer warranties are short. Avoid if you expect identical replacements or have low-risk appliances under extended manufacturer coverage. Pro tip from the community: document your appliance’s condition at signup; it strengthens claims and minimizes exclusion disputes.
