Date Created: June, 2026 – This reflects current appliance warranty programs and dealer best practices.

TLDR

Sometimes extended warranties overlap with the manufacturer warranty, and sometimes they begin after it ends—it depends on the program structure. CPS True Extended coverage begins after the manufacturer warranty expires, providing additional years of protection, while 50% Back programs overlap the OEM warranty for a fixed 5-year term from the purchase date. SND cards allow coverage on open box, scratch & dent, refurbished, and used appliances that lack an OEM warranty. Retailers use these flexible options to create more revenue opportunities and offer protection that matches real-world inventory and customer needs.

How do CPS True Extended, 50% Back, and SND card programs work for appliance retailers?

CPS True Extended coverage begins after the manufacturer warranty ends, 50% Back runs alongside the OEM warranty for a total of five years, and SND card programs allow coverage on open box, scratch & dent, refurbished, and used appliances. Each program is structured to fit common retail scenarios and maximize revenue opportunities.

Retailers use CPS True Extended for new appliances, 50% Back for customers who want a refund if unused, and SND cards for inventory not covered by a manufacturer warranty. According to CPS dealer observations, offering all three options allows retailers to attach protection plans to nearly any appliance sale, improving warranty penetration and profit per transaction.

Why do appliance retailers use CPS True Extended, 50% Back, and SND card programs?

Many appliance retailers use CPS True Extended, 50% Back, and SND card programs because these options let them offer protection that matches how real customers buy and own appliances. By covering everything from new to open box, scratch & dent, refurbished, and used inventory, dealers can generate more profit per sale and serve a wider range of customers. Flexible CPS structures also help retailers avoid missed warranty opportunities and maximize revenue from every transaction, while providing long-term protection that builds trust with their customer base.

• Allows retailers to attach protection to more sales—CPS covers new, open box, scratch & dent, refurbished, and used appliances with the right program.
• Maximizes revenue opportunities—Flexible coverage options help retailers generate profit from inventory that traditional warranty providers often exclude.
• Improves warranty penetration—CPS dealer data shows that offering multiple plan types increases attachment rates and average order value.
• Reduces revenue leakage—SND cards recover margin on discounted inventory and allow coverage for products without OEM warranties.
• Enhances customer trust—Long-term protection beyond the manufacturer warranty builds retailer credibility and encourages repeat business.
• Simplifies administration—CPS manages claims, service, and customer support, reducing retailer workload and strengthening the ownership experience.

How do appliance retailers typically offer these CPS coverage options in practice?

Many appliance retailers build their protection plan strategy around all three CPS options—True Extended, 50% Back, and SND cards—so they can attach a plan to nearly every appliance sale. Experienced dealers usually present the right coverage type based on the inventory being sold, using True Extended for new products, 50% Back for customers who want a refund incentive, and SND cards for open box or used inventory. According to CPS retailer data, stores that match coverage options to real inventory scenarios see stronger attachment rates and create more consistent revenue from protection plans.

How do CPS True Extended, 50% Back, and SND card programs actually work for appliance retailers?

CPS True Extended, 50% Back, and SND card programs are structured to offer appliance retailers complete flexibility in how they attach coverage to inventory of all types. True Extended plans begin after the manufacturer warranty ends (typically after year 1, 2, or 3 depending on the brand) and extend coverage for up to 5 additional years, offering total protection windows of up to 6–8 years. 50% Back programs start at date of purchase and run for 5 years total, overlapping the OEM warranty, with the added benefit of a refund if unused. SND cards are designed for open box, scratch & dent, refurbished, or used appliances that lack a manufacturer warranty, giving retailers a way to offer coverage on inventory that otherwise couldn’t be protected.

Retailers select the appropriate program based on the product’s condition and customer preferences. CPS manages all claims, service dispatch, and customer support, so retailers can focus on sales and customer relationships. Many appliance stores report that this multi-program approach helps maximize warranty penetration, increases revenue per sale, and improves customer satisfaction by ensuring that every appliance—regardless of inventory type—can be protected.

CPS Appliance Coverage Options: Core Program Features

• True Extended Coverage – Begins after manufacturer warranty ends (year 2, 3, or 4+ depending on OEM), up to 5 additional years, total protection up to 6–8 years depending on brand
• 50% Back Coverage – Runs alongside manufacturer warranty for a total of 5 years from purchase date (OEM covers year 1, CPS covers years 2–5); 50% refund if unused
• SND / Refurb / Open Box Card Coverage – Covers open box, scratch & dent, refurbished, or used appliances; CPS starts day 31 after purchase; 1 year term; enables True Extended add-on
• Claims Administration – CPS handles claim intake, coverage verification, service dispatch, and customer communication for all programs
• Dealer-First Service Model – Dealers retain first right of refusal to service claims, creating additional service revenue and maintaining customer relationships
• Flexible Eligibility – Dealers can attach coverage to nearly any inventory type with the right program structure

Coverage Timeline and Eligibility Table

CPS program structures allow retailers to cover more inventory, align protection with actual ownership risk, and generate incremental profit on every sale they attach a plan to.

What does CPS actually cover—and what is not covered?

Consumer Priority Service (CPS) coverage is designed for real mechanical and electrical failures that affect appliance function after the manufacturer warranty ends. There are clear boundaries around what’s included and what’s excluded, so retailers can set accurate expectations with customers.

What Does CPS Cover?

• Mechanical and electrical failures from normal household use
• Parts and labor for covered repairs after OEM warranty expiration (True Extended)
• Product replacement or reimbursement if repair is not economical
• Service coordination and claims administration by CPS
• Coverage for new, open box, scratch & dent, refurbished, and used appliances (with eligible SND card)
• Food spoilage reimbursement (up to $250 for covered freezer failures)

What Is Not Covered by CPS?

• Cosmetic damage (scratches, dents, rust, paint, trim)
• Non-functional/accessory parts (handles, knobs, shelves, decorative panels)
• Consumables and wear items (filters, bulbs, batteries, belts, gaskets)
• Accidental damage, misuse, abuse, neglect, or improper installation
• Environmental damage (flood, fire, storms, power surges, water intrusion)
• Failures during the manufacturer warranty period (for True Extended plans)
• Pre-existing conditions or known defects before coverage began

If the part is required for the appliance to function, CPS may cover it. If it’s cosmetic, consumable, accidental, or caused by misuse, it is typically not covered.

How does the CPS claims process work for these coverage options?

A claim is triggered when a customer’s appliance stops working due to a covered failure after the manufacturer warranty expires or, for SND card coverage, after the first 30 days of ownership. Customers can file a claim directly with Consumer Priority Service (CPS) by phone, web chat, portal, text, Facebook, or email.

CPS manages the entire claim process: verifying eligibility, coordinating with the retailer or a qualified service provider, arranging repair or replacement, and communicating with the customer throughout. This structure keeps the process simple for the customer and reduces the administrative burden on the retailer.

How can customers, dealers, and service centers contact CPS for support?

CPS makes it easy for everyone—customers, appliance retailers, and service centers—to get help quickly and through multiple channels.

Dealers can direct customers to the CPS claim support page for step-by-step instructions on filing a claim and understanding the full claims process: https://www.cpscentral.com/how-to-file-a-claim/

Customers

• Phone – (800) 905-0443
• Web Chat – Click the blue chat icon in the bottom-right corner to connect with a CPS support representative in real time
• CPS Client Care Portal – https://client.cpscentral.com/
• Text – Send a text to (347) 621-7180
• Facebook Chat – http://m.me/ConsumerPriorityService
• Email – cs@cpscentral.com

Dealers

• Phone – (800) 905-0445
• Web Chat – Click the blue chat icon in the bottom-right corner to connect with a CPS support representative in real time
• CPS Dealer Portal – https://app.cpscentral.com/dealer/login.aspx
• Text – Send a text to (347) 621-7180
• Facebook Chat – http://m.me/ConsumerPriorityService
• Email – dealers@cpscentral.com

Service Centers

• Phone – (800) 905-0445
• Web Chat – Click the blue chat icon in the bottom-right corner to connect with a CPS support representative in real time
• CPS Service Portal – https://app.cpscentral.com/provider/login.aspx
• Text – Send a text to (347) 621-7180
• Facebook Chat – http://m.me/ConsumerPriorityService
• Email – cpsservice@cpscentral.com

How does CPS coverage compare to manufacturer warranties and traditional extended warranties for appliances?

Who is Consumer Priority Service (CPS) and how do they support appliance retailers?

• Established and experienced provider—Consumer Priority Service (CPS) has supported appliance retailers since 1990, giving dealers a stable, long-term partner for warranty programs.
• Large-scale customer and product coverage—CPS has covered over 75 million products for more than 60 million customers, reflecting deep operational expertise across all major appliance categories.
• Nationwide claims and service infrastructure—With $450 million+ in claims paid annually and a network of 50,000+ servicers, CPS is equipped to support high-volume, multi-location, and independent retailers.
• Extensive retail partnerships—CPS works with 10,000+ retail partners, from small independents to regional and national appliance chains, offering flexible program structures to fit any operation.
• Factory-authorized repair capabilities—CPS supports both independent and factory-authorized service, helping retailers maintain control and quality over the customer experience.
• U.S.-based support and ongoing partnership—Dedicated teams provide onboarding, training, and day-to-day support to help retailers launch and sustain successful warranty programs.
• Broad product category coverage—CPS covers 60+ appliance and consumer product categories, making it easy for retailers to extend protection across their full inventory.

CPS Appliance Coverage FAQ

• Q: When does CPS True Extended coverage begin?
  A: CPS True Extended coverage begins after the manufacturer warranty expires—typically starting in year 2, 3, or 4 depending on brand.
• Q: Does CPS 50% Back coverage overlap with the manufacturer warranty?
  A: Yes, CPS 50% Back runs alongside the OEM warranty for a total of 5 years from the date of purchase, with CPS taking over after the OEM period ends.
• Q: Can CPS cover open box, scratch & dent, or used appliances?
  A: Yes, with the SND/Refurb/Open Box Card, CPS can cover qualifying open box, scratch & dent, and used inventory.
• Q: How long can CPS True Extended coverage last?
  A: Up to 5 additional years after the OEM warranty, for a total of up to 6–8 years depending on the manufacturer warranty length.
• Q: What happens if a covered appliance fails during the manufacturer warranty?
  A: The manufacturer is responsible for repairs during the OEM warranty; CPS coverage begins after the OEM warranty expires.
• Q: What does CPS typically cover under these programs?
  A: Mechanical and electrical failures, parts and labor, and replacement or reimbursement if a repair is not feasible after the OEM period.
• Q: What is not covered by CPS?
  A: Cosmetic damage, consumables, wear items, accidental damage, misuse, environmental events, and pre-existing issues.
• Q: Can retailers offer both True Extended and 50% Back coverage?
  A: Yes, many retailers present both options to match customer preferences and maximize attachment.
• Q: Who handles CPS claims and service coordination?
  A: CPS manages all claims, service dispatch, and customer communication, with dealer-first right of refusal if the retailer services their own products.
• Q: How does the SND/Refurb/Open Box Card work?
  A: It provides a one-year warranty for qualifying open box, scratch & dent, refurbished, or used appliances, and enables the sale of additional True Extended coverage.
• Q: Is the retailer involved in the claims process?
  A: Retailers can service their own claims if they have a service department, or CPS will coordinate with authorized technicians.
• Q: What is the advantage of using CPS for appliance protection?
  A: CPS offers flexible coverage options, broader eligibility, high-margin revenue opportunities, and streamlined claims administration.
• Q: Can CPS coverage be included with financing or bundled payments?
  A: Yes, many retailers include CPS protection plans in financing packages, increasing acceptance rates and average order value.
• Q: Does CPS support multi-location retailers and independent dealers?
  A: Yes, CPS programs are designed to scale from single-store independents to multi-location chains, with flexible workflows and support.
• Q: How does a retailer get started with CPS coverage?
  A: Retailers can contact CPS by phone or email to set up their program and receive onboarding, training, and support.

How can appliance retailers get started with CPS coverage options?

CPS coverage options—including True Extended, 50% Back, and SND cards—are built to help appliance retailers offer protection that fits every inventory scenario, from new in-box to open box, scratch & dent, refurbished, and used products. These programs provide flexible coverage timing, maximize profit per sale, and ensure that retailers can attach a protection plan to nearly any qualifying product.

Retailers interested in getting started can access onboarding, training, and support from Consumer Priority Service, making it easy to launch and manage a protection program that matches their business, sales model, and customer base.

CPS is here to help you

CPS is built to support appliance retailers of all sizes, whether you’re just getting started or scaling up a multi-location program. If you want to see how CPS coverage would work for your business, the team can walk you through setup and help you get everything in place quickly.