Everything Breaks - Home Warranties

Everything Breaks seems to be a legitimate warranty company with transparent plans, pricing and terms. If you’re looking for a home warranty with flexible coverage, it might be a good option for you. Its plans aren’t totally a la carte, though, so you might look elsewhere if you want cheaper coverage for just a few appliances or systems.

Keep in mind that while your plan starts the day you sign up, there’s a 30-day waiting period before your products are eligible for coverage. And, because Everything Breaks provides extended warranties and not insurance policies for home appliances and systems, only damage from normal wear and tear is covered.

You also have to pay your $75 deductible each time a technician visits your home, even if it’s for the same claim.

If you have an electronics warranty plan, keep your receipts (Everything Breaks says you may need to show these when opening claims). Only electronics 36 months old or newer when you sign up are eligible. You also have to register other products you buy within 30 days of purchase, and coverage starts when the manufacturer’s warranty expires.

Everything Breaks has five home warranty plans:

The Ruby Protection covers any five appliances you choose. You can swap out your choices at any time:

• Clothes dryer
• Clothes washer
• Cooktop
• Dishwasher
• Freezer
• Garbage disposal
• Ice maker
• Kitchen fan/exhaust hood
• Microwave
• oven/range
• Refrigerator
• Trash compactor
• Wall oven
• Washer and dryer combo

The Sapphire Protection protects two home systems of your choice and 17 appliances.

Major home systems:

• Central air conditioning
• Central heating
• Ductwork
• Hot water heater
• Whirlpool bathtub
• Electrical system
• Plumbing system

Appliances included:

• Attic fan
• Clothes dryer
• Instant hot water dispenser
• Doorbell
• Oven
• Stand-alone freezer
• Bathroom exhaust fans
• Garage door opener
• Clothes washer
• Range/stove/cooktop
• Kitchen fan/exhaust hood
• Ceiling fans
• Trash compactor
• Garbage disposal
• Dishwasher
• Refrigerator (with ice maker)
• Microwave (built-in/countertop)

The Emerald Protection covers the 17 appliances under the Sapphire plan and lets you choose from four home systems rather than two.

The Diamond Protection covers the same 17 appliances as the Sapphire and Diamond plans and the following home systems:

• Central AC
• Central heating
• Ductwork
• Hot water heater
• Whirlpool bathtub
• Electrical system
• Plumbing system

The Individual Appliance Plan covers an appliance of your choice for three or five years. You can choose from any of the following:

• Dishwasher
• Cooktop
• Clothes dryer
• Clothes washer
• Oven
• Microwave
• Garbage disposal
• Kitchen fan/hood
• Instant hot water dispenser
• Trash compactor
• Stand-alone freezer
• Stove/range
• Refrigerator
• Washer/dryer combo

Note that Sapphire, Emerald and Diamond Protection plans allow you to add on the following items individually for a monthly fee:

• Central vacuum
• Whole house humidifier
• Additional central AC system
• Additional central heating system
• Free-standing ice maker
• Limited roof leak
• Lawn sprinkler system
• Second refrigerator
• Plumbing and lighting fixtures
• Septic system
• Sump pump
• Well pump
• Whole home water softener
• Wine refrigerator
• Pool (in-ground only)
• Spa (in-ground only)
• Additional ductwork
• Additional water heater
• Additional whirlpool bathtub
• Additional electrical system
• Additional plumbing system

There aren’t any age or brand restrictions for covered appliances. Each system and appliance has coverage exclusions, so it’s important to look at your contract to ensure you have the coverage you expect. For your refrigerator, for example, water lines and valves to ice makers, plus water and ice dispensers (and their equipment), aren’t covered.

You’ll keep your coverage for as long as you pay your monthly fee or until the end of your annual contract.

The costs of Everything Breaks’s four main plans at the time of publishing are as follows:

• Ruby Protection: $29.88 per month or $299.88 per year
• Sapphire Protection: $48.88 per month or $538.88 per year
• Emerald Protection: $88.88 per month or $988.88 per year
• Diamond Protection: $99.88 per month or $1,162.88 per year

For Sapphire, Emerald and Diamond Protection, you can purchase coverage for more items in your home for $3.88 to $9.88 per month each.

The company also covers your registered consumer electronics 36 months or newer for free under its Emerald and Diamond plans.

You can also protect individual appliances for $119.88 to $263.88 on a three-year plan or $131.88 to $383.88 on a five-year plan. The price for your appliance's protection plan depends on its value.

No matter your protection plan, you’ll pay a $75 deductible to your service technician for each visit they make to your home.