Does a Home Warranty Cover the Refrigerator?
November 9, 2026
Short answer: yes, usually on a total plan. The refrigerator is one of the most-used appliances in your home, and most home warranties cover it — typically as part of a Total Plan, or as an add-on to a basic plan. When it fails from normal wear and tear, your plan helps cover the repair or replacement.
What's covered
Most plans cover the refrigerator's major components: the compressor, condenser, evaporator, thermostats, and ice maker (ice makers are sometimes an add-on). A built-in or second refrigerator is often an optional add-on. See our home appliance warranty page for the full appliance list.
What's usually not covered
- Pre-existing problems or failures from neglect.
- Cosmetic issues — dents, scratches, and door seals on some plans.
- Food spoilage (though a few plans offer a small spoilage reimbursement).
- Problems still covered by the manufacturer's warranty.
How a claim works
File a claim, a licensed appliance technician is dispatched, you pay one flat service fee, and your plan covers the covered repair — or replaces the fridge when it can't be fixed, up to the plan's terms.
Key takeaways
- Refrigerators are covered on most total plans, or as an add-on to a basic plan.
- Covered failures (compressor, cooling, ice maker) are repaired or replaced up to your plan's terms.
- Food spoilage and cosmetic damage usually aren't covered.
Want your fridge — and the rest of your kitchen — covered? Get a free, no-obligation quote.
Frequently asked questions
Does a home warranty cover a refrigerator ice maker? Often yes, though some plans cover ice makers only as an add-on. Check the plan's terms.
Does a home warranty cover a second refrigerator or garage freezer? Usually as an optional add-on — see add-on coverage.