Asurion Home Improvement Plan Review: Strong 8.7/10 Verdict
The ASURION Home Improvement Protection Plan earns a solid 8.7/10 from aggregated user feedback, with widespread praise for its fast claim approvals and hassle-free reimbursements. Many customers describe getting full purchase refunds within minutes, but a minority cite frustrations with denied claims or unexpected shipping costs. The service seems especially valuable for homeowners and DIY enthusiasts who want affordable, reliable coverage for tools, appliances, and home tech.
Quick Verdict: Conditional buy — highly recommended for those who prioritize quick replacements and cover items prone to breakdown; less ideal if cosmetic damage coverage or identical replacements are critical.
| Pros | Cons |
|---|---|
| Claims often approved within minutes | Occasional coverage denials due to exclusions |
| Full reimbursements via Amazon gift card | Shipping or return costs can be user’s responsibility |
| Wide range of items covered (tools, appliances, electronics) | Replacement products may differ from original in model/color |
| Affordable pricing for most plans | Some online claim portals have glitches |
| Polite, responsive customer service | Pre-existing damage not covered |
| Multi-year protection available | Service fee applies to approved claims depending on item |
Claims vs Reality
Officially, Asurion advertises “easy claims process” with “most claims approved within minutes” and “full coverage for repairs, parts, labor, and transport.” Reddit user feedback and Amazon verified buyer stories overwhelmingly confirm the speed. One verified buyer on Amazon noted: “I looked up the warranty... filled out the form and received the full price via an Amazon gift card in 10 mins.”
However, not all processes are equally smooth. While Asurion claims hassle-free online filing, one Amazon reviewer described hitting “error messages and not contact info” when attempting to submit a claim — calling the plan “a scam” in frustration. This gap between marketing and certain user experiences suggests web portal reliability can vary.
Another advertised point is “no additional cost” for repairs. While service fees are typically covered for repairs under the warranty, a Reddit user explained they were “initially denied... but after speaking with an actual person they approved my claim.” This highlights that human intervention can solve automated claim rejections — but adds an extra step not reflected in the marketing.
Cross-Platform Consensus
Universally Praised
Speed is the standout feature. Trustpilot reviewer David credited Asurion with converting “what could have been an expensive and inconvenient problem into a minor bump in the road” thanks to a next-day replacement. For homeowners protecting seasonal outdoor gear, Amazon buyers mention claims on solar lights, pond pumps, and even full refunds for defective water dispensers processed in under 48 hours.
This benefits busy DIY users and families significantly. Reddit user feedback shows multiple stories like “my TV stopped working... had a new TV all within the same week,” which for entertainment-heavy households prevents prolonged downtime.
The range of coverage also gets praise. From hand tools to high-end electronics, users enjoy being able to insure varied purchases. One verified buyer summed up: “$3.99 to $5.99 3–5 years replacement coverage on anything up to $50 value is an easy, no-brainer good deal.”
Customer service quality repeatedly comes up as a differentiator. Across multiple platforms, mentions like “polite and professional” and “no questions asked” appear, with special shout-outs to individual agents like Trustpilot’s Pearl who “waived my deductible and arranged for a brand new phone.”
Common Complaints
Coverage denials are the most common frustration. Own Your Own Future’s review notes customers “reported instances where their claims were denied due to specific exclusions.” Pre-existing conditions and cosmetic-only damage fall in this gap, catching unsuspecting buyers off guard.
Return shipping costs are a subtler grievance. One Amazon buyer liked the fast refund but “hated that it still cost me $16... via UPS” to send back the defective product. This impacts low-cost item claims where shipping erodes the refund’s value.
Some users dislike replacements that are not identical to the original. Trustpilot feedback warns that “replacement is not always identical” — color, brand, or model may differ. For those with specific brand preferences, this can cause dissatisfaction.
Divisive Features
The breadth of coverage appeals to many, but others see plans as unnecessary for highly durable items. Amazon reviewers mention selectively adding Asurion coverage: “I do not cover everything I purchase... stupid things happen.” This selective mindset means the plan’s perceived value depends greatly on item type.
Additionally, while customer service earns high ratings, occasional portal errors or “two days of the run-around” as noted on Fakespot show the process can falter, leading some to label the warranty “useless without the item I bought it for.”
Trust & Reliability
Claims of scams do appear on Trustpilot and Amazon, but these are outweighed by consistent reports of plans being honored quickly. Long-term users mention coverage across decades of ownership, with one Trustpilot reviewer describing how Asurion “expanded drastically” what’s covered over 10 years.
Durability support stories stand out. A Quora-linked Fakespot review details a 4-year plan honoring a failed Remington pole saw, and another notes replacing an edger “after it failed thanks to Asurion.”
It’s clear proactive record-keeping helps — users who saved proof of purchase and all documentation report smoother claims. Issues mostly arise when buyers expect coverage for non-functional features the warranty doesn’t include, such as cosmetic flaws.
Alternatives
Alternatives mentioned in the data include Old Republic Home Protection, American Home Shield, and First American Home Warranty. While these companies may offer broader home appliance and system coverage, they typically don't include electronics or small tools. For example, American Home Shield excels in HVAC and plumbing, but won't replace your broken hand drill.
For users whose priority is mixed-category coverage — electronics and home improvement gear — Asurion’s breadth is unique. Competing plans may suit whole-home system coverage better, but lack Asurion’s rapid minor-item claim turnaround.
Price & Value
Pricing ranges widely depending on product value and term. Small-item coverage like $20–$29.99 buys can be as low as $4.99 for 4 years, while high-ticket items ($700–$799.99) have higher premiums but still benefit from full-price replacement refunds within claim limits.
Market checks show typical eBay asks for similar plans at $7.99–$38.99 depending on category. Resale value of covered goods may improve modestly if coverage is transferable, though most feedback centers on personal use, not resale.
Buying tips from the community include:
- Apply coverage selectively to unstable tech or items with moving parts.
- Keep all receipts and proof of purchase to speed claim handling.
- Factor in possible return costs for low-value claims.
FAQ
Q: Does Asurion cover accidental drops and spills?
A: Yes, for portable products drops, spills, and cracked screens are covered from day one. Malfunctions after the manufacturer warranty also qualify.
Q: How fast can I get reimbursed?
A: Many Amazon buyers report full refunds via gift card within minutes of filing. Physical replacements often arrive within 1–2 days after approval.
Q: Are replacements identical to the original item?
A: Not always. Replacements match form and function but may differ in brand, model, color, or features depending on availability.
Q: Are pre-existing issues covered?
A: No, any condition present before purchasing the plan is excluded. Inspect items upon purchase if planning to buy coverage.
Q: What’s the coverage limit?
A: Annual coverage caps at $5,000 with $2,000 per approved claim for the Home+ plan. Limits for individual product-specific plans vary by purchase price tier.
Final Verdict: Buy if you value rapid claims resolution and full refunds for a wide range of household items. Avoid if you need replacements identical to your originals or expect coverage for pre-existing/cosmetic damage. Pro tip from an Amazon verified buyer: “Highly recommend... on any product I’m unsure of,” especially for electronics and tools with moving parts.
