Asurion Appliance Protection Plan Review & Verdict
A Reddit user summed up their frustration in one sentence: “Don’t ever get an Asurion protection plan.” That sentiment is echoed across multiple platforms—yet others describe getting a replacement device in under 24 hours. ASURION Major Appliance Protection Plan sits at a puzzling crossroads between glowing praise and heated accusations, ultimately earning a 6.8/10 in overall satisfaction based on consolidated feedback.
Quick Verdict: Conditional — worth it for those prioritizing rapid replacements and broad coverage, risky if your tolerance for claim disputes is low
| Pros | Cons |
|---|---|
| Fast claim approval for many users | Significant reports of claim denials |
| Wide coverage including power surges and food loss | Long resolution times for some appliance issues |
| No hidden fees beyond $99 service call | Replacements may differ from original models |
| Covers appliances regardless of purchase location | Limited to appliances under 20 years old |
| Unlimited claims while enrolled | Must buy within 30 days of appliance purchase |
| Responsive customer service in best cases | Allegations of poor technician quality |
| Preventative maintenance option | Exclusions such as pre-existing conditions |
Claims vs Reality
Asurion markets its appliance plans as “hassle-free coverage” with “most claims approved within minutes.” Digging deeper into user reports shows that, for many electronics claims, this speed is real. Trustpilot reviewer "Tina" noted: “I was promised my replacement in 2 business days, it came in 1 day and was delivered on a Saturday.”
However, Reddit paints a different picture for appliance protection. One member described waiting over six months for a TV payout, facing “customer service reps who are clueless”. In their case, the quick resolution Asurion advertises never materialized, ending in a refund of the warranty itself rather than repair or replacement.
Another claim is “comprehensive coverage” for breakdowns after manufacturer warranty ends. This worked well for some—Amazon buyers appreciated no out-of-pocket costs for parts and labor—but one Home Depot customer recounted a dishwasher service saga that took “six months of hand washing dishes” due to repeated failed repairs. Their experience suggests the coverage exists, but the efficiency can collapse with complex appliance issues.
Cross-Platform Consensus
Universally Praised
Speed and simplicity dominate the positive side. Many electronics users get replacements almost immediately, with tech repairs completed on same-day schedules. Trustpilot user David highlighted: “Filing a claim took just a few minutes online… my replacement device arrived the very next day.” For travelers or families heavily reliant on functioning appliances, these turnaround times are crucial.
The flexibility of covering appliances “no matter where you bought them” also wins favor. Quora’s breakdown emphasizes that Appliance+ doesn’t expire as long as you pay monthly, unlike store-based plans. This is beneficial for multi-appliance households replacing items over time. Verified buyers also like the preventative maintenance benefit—useful for prolonging appliance life before costly breakdowns.
Common Complaints
Delayed resolutions are the most frequent frustration. Reddit users and 1-star Amazon reviews cite months of waiting, miscommunication, and inconsistent technician quality. One Amazon customer detailed multiple repair visits with “no testing”, wrong parts ordered, and eventual denial due to alleged “insect infestation”—countered with pest control documentation.
Some complain about claim denials linked to fine-print exclusions. A washer owner recounted that Asurion “won’t honor the 50% refund on failed part” despite policy terms. Others were upset replacements weren’t equivalent, as seen in the Reddit post where a $900 phone became a $60 model.
Divisive Features
The $99 service fee per claim splits opinion. For some, it’s nominal compared to appliance replacement costs. Others feel it adds insult when repairs drag on or fail, especially if repeated service calls are needed. Replacement quality is also contentious—customers who didn’t mind refurbished units were satisfied, but those expecting identical models felt shortchanged.
Trust & Reliability
Scam accusations surface regularly, particularly on Reddit and low-rated Amazon reviews. Phrases like “total scam” and “stay away from their protection plan” reflect perceived dishonesty in handling disputes. Specific case studies—like the infestation denial—show why mistrust builds.
Countering this, long-term customers note improvements over decades. Trustpilot reviewer Dianne described early limits, higher pricing, and sparse coverage, but claims “it finally seemed to really even out in the last 10 years”. This suggests Asurion’s reliability may hinge on product category and complexity.
Alternatives
When compared to SquareTrade, appliance coverage becomes a matter of convenience. SquareTrade requires separate plans per appliance, which adds costs fast for large households. Asurion’s single-plan approach covering all home appliances feels simpler, especially if you routinely upgrade and replace.
American Home Shield expands coverage to systems like HVAC but at higher monthly fees plus service charges. For homeowners needing total-house protection, it’s compelling. However, Asurion shines for appliance-only users who want unlimited repairs without extra claim fees.
Store-based options from Home Depot and Lowe’s limit coverage to in-store purchases and timed expirations—a deal-breaker for those buying elsewhere. The data shows Home Depot even dropped Asurion in favor of Allstate, possibly due to service complaints.
Price & Value
Current pricing sits at $34.99/month plus a $99 per claim fee, with Amazon’s lower-tier protection plans as one-off purchases for smaller appliances (e.g., $19.99 for a $150–$175 item). This scales well for households with multiple high-value appliances—universally covered without stacking separate plans.
Community tips stress reading the fine print, especially the 30-day signup window and pre-existing damage exclusions. Several users advise reserving monthly coverage for appliances at higher replacement cost, making the investment worthwhile over time.
FAQ
Q: Does Asurion cover power surges from day one?
A: Yes, both Amazon and Quora sources confirm Appliance+ includes surge protection immediately, even while other breakdown coverage begins after day 31.
Q: Will my replacement be identical to my original appliance?
A: Not always—some replacements may be refurbished or different models with comparable functionality. This has frustrated customers who expected exact matches.
Q: Can I buy the plan after owning my appliance for months?
A: No, most Asurion appliance plans require purchase within 30 days of the original product purchase, or by enrolling in ongoing Appliance+ for already-owned items.
Q: What’s the max coverage per year?
A: Appliance+ provides up to $5,000 in coverage in any 12-month period, with the replacement value capped per claim.
Q: Are there limits on claims?
A: Appliance+ has no limit on the number of claims while enrolled, a key advantage over traditional extended warranties.
Final Verdict
Buy if you have multiple high-value appliances and place a premium on quick electronics replacements and broad coverage without brand restrictions. Avoid if you’re unwilling to navigate potential delays on complex repairs or prefer identical replacements.
Pro tip from community: Keep detailed records—including photos, service reports, and technician notes—to counter exclusion-based denials. In households where downtime is costly, that prep can be the difference between a smooth claim and six months of waiting.
