Home Depot Protection Plan Review (Cost & Coverage 2023)

Home Depot offers a variety of protection plans for home systems and appliances purchased from its store. Plans purchased on or after February 1, 2021, are all produced by Asurion. Any coverage bought after that date is administered by Home Depot’s new underwriter, Allstate.

All appliances and systems generally have a limited one-year manufacturer’s warranty for factory defects or flaws. Only after that initial warranty period expires will you be eligible for an extended warranty through Home Depot. Secondary protection plans must, however, be purchased within the first 90 days of ownership.

Home Depot Extended Warranty Pros and Cons

Pros

Includes dust, heat, and humidity protection with all plans
No additional waiting period — benefits are active on the first day after the manufacturer’s warranty expires
Two-day service guarantee in top 100 metropolitan areas and three days for any other city
No lemon policy — dud appliances or systems that require multiple repairs warrant a full replacement with a comparable model

Cons

Coverage must be purchased within 90 days of purchasing the product
Won’t cover damages not reported within 30 days

Home Depot Protection Plan and Extended Warranty Are the Same Thing

Despite its branding, Home Depot’s protection plans are virtually the same thing as extended warranties offered by other brands, retailers, detailers, etc. Coverage details may not be identical between two different extended warranties for the same product. However, they’re intended to serve the same purpose — to protect against mechanical and electrical failures and general breakdown due to normal use.

It’s important to understand the “extended” nature of these warranties. In other words, they offer protracted but not permanent coverage. Home Depot’s appliance and system protection plans come in two variations: 3-year or 5-year coverage.

Extended warranties aren’t renewable year after year in the same way that home warranties are. Also, extended warranties only apply per item, whereas home warranties simultaneously cover most major systems and appliances throughout the home.

Home Depot Extended Warranty Coverage and Plan Options

Covered Appliances

Home Depot will cover the following major household appliances after one year of ownership:

Kitchen refrigerators
Microwaves
Ovens
Stoves
Cooktops
Ranges
Dishwashers
Trash compactors
Garbage disposals
Clothes washers
Clothes dryers

Additional Coverages

With the purchase of any appliance or system from Home Depot, customers are guaranteed 24-hour online support for any questions or concerns. Home Depot also offers a 50% reimbursement for select preventative maintenance parts and half off of select cosmetic replacement parts. Home Depot will pay out up to $300 per claim for spoiled food in instances of a refrigerator or freezer failure. Additionally, each plan comes with power surge protection and costs $0 to transfer coverage to the next owner should you ever sell your house and leave behind a covered item.

Once the manufacturer’s warranty ends, customers with a Home Depot protection plan are guaranteed:

No lemon policy, meaning items that require more than two repairs for the same issue warrant a full replacement or reimbursement of the full purchase price with an e-gift card.
30% reimbursement of plan price via a check or e-gift card if you don’t need to file a service claim during your first year of coverage.
Coverage for mechanical, electrical, and functional breakdowns caused by normal use
A two-day service guarantee in top 100 metropolitan areas and three days everywhere else
Two- to four-hour service appointment windows
Real-time technician tracker online for viewing their arrival status

Coverage Length, Limits, and Exclusions

Home Depot’s protection plans won’t cover repair or replacement costs related to:

Pre-existing conditions
Intentional misuse or neglect of the item
Unauthorized or DIY product alterations
Secondary damages (i.e. warped floorboards due to a refrigerator line leak)
Any damage not reported with 30 days of when it was first noticed
Commerical appliances or systems
Damage caused by delivery
Preventative maintenance (unless the 5-year plan is purchased)
Third-party liabilities (natural disasters, acts of God, theft, vandalism, etc.)

Preventative maintenance and cosmetic parts, replacements, or reimbursements are capped at $500 per appliance. By purchasing this coverage variation with the 5-year policy, customers are promised a 50% reimbursement for the following products:

Aluminum vents
Coil brushes
Dryer lint brushes
Hoses
Water and air filters
Water lines
Water fresheners

Home Depot Protection Plan Cost

The amount you’ll pay for a Home Depot protection plan varies based on the appliance type, its original purchase price, and the length of the extended warranty. We’ve broken down the cost of a Home Depot protection plan into an item-by-item overview while also considering how price points vary between the three- and five-year options.

Major Appliance Plan Costs

Appliance Price	3-Year Protection Plan Cost (annually)	5-Year Protection Plan Cost (annually)
$0-$299.99	$50	$75
$300-$449.99	$65	$95
$450-$549.99	$75	$115
$1,000-$1,499.99	$130	$195
$1,500-$1,999.99	$155	$235
$2,000-$2,999.99	$195	$295
$3,000-$6,999.99	$225	$425
$7,000-$19,999	$325	$595

General Merchandise Plans

Beyond major home appliances, Home Depot offers general merchandise protection plans for power tools, patios, grills, outdoor equipment, and more. These plans have similar coverage guidelines to the extended appliance warranties but also include:

Two- to three-year protection following the expiration of an item’s original warranty
Expedited repairs and replacements
24/7 online claims processing
Tech support for smart home and Wi-Fi-enabled devices
No deductibles or hidden fees
No lemon policy

Filing a Claim on Your Home Depot Protection Plan

To file a claim for coverage through a Home Depot protection plan, customer can visit Home Depot’s online claim portal or call 1-800-HOMEDEPOT to get in touch with a representative. Home Depot’s claim center is open 24 hours a day, seven days a week, 365 days a year.

Be sure to have proof of your original purchase of the item on hand when filing a claim for faster service. If you weren’t the original owner and were the recipient of a transferred plan, any information about the purchaser or prior maintenance records is equally valuable.

Return Policy for Home Depot Extended Warranty

Home Depot abides by a 90-day money-back guarantee from the purchase date of the product that the plan is covering. So if you decide to cancel your coverage within 90 days of when the appliance was initially bought, Home Depot will issue a full refund for the plan’s cost, with no cancellation fee. Any cancellation beyond that 90 days only warrants a pro-rated refund minus any claims filed thus far in the term.

Home Depot Protection Plan Reviews

Here are some recent reviews from real Home Depot protection plan users that accurately depicted the customer experience:

“My water heater is a 38-gallon one. I had a good experience with the additional Allstate warranty. I had a battery pack that failed 11/2 years into a 2-year warranty, and Allstate reimbursed me for the full price without hassles. I’d recommend extended warranties for mechanical items like heater, washers, and batteries, to name a few.” — Cy W., 07/04/2021, Trustpilot

Home Depot Protection Plan ratings

Plan options: 2.5 / 5
Breadth of coverage: 3.4 / 5
State availability: 5.0 / 5
Cost: 5.0 / 5
Trustworthiness: 3.8 / 5
Customer service: 1.5 / 5
Unique benefits: 0 / 5

SUMMARY OF CUSTOMER FEEDBACK

REVIEWER	HOME DEPOT PROTECTION PLAN RATINGS	INDUSTRY AVERAGE RATINGS
BBB	1.0 / 5 (out of 665 reviews)	2.0 / 5 (out of 956 reviews)
TRUSTPILOT	1.5 / 5 (out of 845 reviews)	1.9 / 5 (out of 937 reviews)

Key Takeaways: Is a Home Depot Extended Warranty Worth It?

Home Depot’s extended warranty is a practical way to protect against appliance failures that may occur in the few years following your first year of ownership. That said, homeowners should only consider an extended appliance warranty if they seek short-term coverage. Another thing to be aware of is that retailers like Home Depot offer protection plans that only cover one item at a time.

For long-term, renewable protection that offers simultaneous protection for various major appliances and systems throughout the home, homeowners should consider investing in a home warranty. According to our research, the best home warranty plans on the market cost an average of $51.61 per month and cover far more than a standalone extended warranty.

Compare Home Depot to Other Home Warranties

Final thoughts

Today’s Homeowner gives Home Depot 3.3 out of 5 stars. While Home Depot covers a breadth of home items, its plans aren’t as comprehensive as other home warranty companies and their plans are limited to the items sold within their stores.

Home Depot protection plans may be a good choice for you if…

You have appliances from Home Depot.
You want coverage for exercise equipment, building materials, or tools.

Home Depot protection plans may not be a good choice for you if…

You have systems and appliances from other manufacturers.
You want comprehensive coverage for your home items.

Frequently Asked Questions About Home Depot Protection Plans

What is a Home Depot protection plan?

A Home Depot protection plan covers certain systems and appliances within the home. There are also protection plans for tools, exercise equipment, paint, and other home-related items.

How do I register my Home Depot home warranty?

Go to Home Depot’s extended protection plan website and click, “Register Your Plan,” then select the item that is covered by the warranty. Fill in the information about your purchase.

Is a Home Depot protection plan transferable?

Yes, a Home Depot protection plan may be transferable to a subsequent owner of the product at no additional charge. Simply call 1-800-HOMEDEPOT (1-800-466-3337) to begin the transfer. Proof of purchase receipt, as well as any service repair receipts, must be transferred to the new owner at this time. Note: the Lifetime Service Plan is non-transferable.

Methodology

At Today's Homeowner, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source.

Our rating system involves a weighted, 100-point scale that scores home warranty companies on plans offered, coverage, state availability, cost, trustworthiness, customer service, and unique benefits.

For more details, check out our affiliate disclosure and rating methodology.