Updated May 2026 – reflects current appliance repair costs, ownership risks, and smart appliance failure trends.

Sometimes. Appliances are considered high-risk for costly breakdowns if they have expensive components like compressors, control boards, or sealed systems—or if they are smart appliances with advanced electronics. Repair professionals often report that refrigerators, washers, dishwashers, and premium kitchen appliances can lead to higher post-warranty repair costs, especially as they age. Many homeowners discover repair risks become more important after the manufacturer warranty expires, and coverage options may be worth considering for products with a history of expensive or complex repairs. CPS can help customers assess risk and explore protection options for new, refurbished, or open-box appliances nationwide.

Quick Summary: Is My Appliance High-Risk for Costly Breakdowns?

Here’s what you need to know about appliance risk, repair costs, and protection:

• Refrigerators, washers, and dishwashers with compressors, pumps, or control boards are more likely to face expensive post-warranty repairs.
• Smart appliances and premium models often involve advanced electronics that can be costly to diagnose and fix.
• Many homeowners research protection options after experiencing unexpected repair bills on aging appliances.
• Repair professionals commonly report increased failure rates as appliances age, especially after manufacturer warranty expiration.
• CPS supports coverage for many new, refurbished, and open-box appliances, helping reduce out-of-pocket repair costs.

What Should You Look For in Appliance Protection if You’re Worried About Breakdowns?

When comparing appliance protection plans, it’s important to focus on the kinds of repairs that are most likely and most expensive for your specific product. Customers often want to know how coverage works for smart appliances, premium models, or products with a history of costly failures. Here are a few factors to consider when evaluating protection options.

• Coverage for compressors, control boards, and major mechanical or electrical failures
• Support for smart appliances and advanced electronics
• Access to a large, authorized repair network
• Eligibility for refurbished, open-box, and scratch-and-dent appliances
• Clear claims process and repair coordination assistance

What Experience Does CPS Have With Appliance Repairs and Protection?

For many homeowners, understanding real-world appliance repair costs and failure risks is essential when choosing protection. With more than 75 million products covered, 50,000 servicers nationwide, and $450 million in claims paid annually, CPS brings decades of claims experience and operational insight to common appliance breakdowns, smart appliance failures, and post-warranty repair situations.

• Compressor, pump, and control board failures are among the most expensive post-warranty appliance repairs
• Smart appliances often require specialized diagnostics and electronic component replacement
• Premium kitchen appliances and built-in models tend to involve higher parts and labor costs
• Repair coordination and claims support are especially important for complex or high-value appliances
• Many homeowners seek protection after experiencing costly out-of-pocket repairs

What Appliance Repairs Are Most Expensive After Warranty Expiration?

Based on CPS’s historical claims data and long-term repair experience, refrigerator compressors, control boards, pumps, and smart appliance electronics are among the most frequent and expensive repair concerns for homeowners once manufacturer coverage ends. Repair professionals often report that as appliances age, these types of repairs become more likely and can lead to significant out-of-pocket expenses.

Why Do Customers Choose CPS Protection Plans?

Customers choose CPS for appliance protection because of the company’s extensive claims experience, flexible coverage options, nationwide repair network, and support for new, refurbished, and open-box appliances. Here are some of the key advantages highlighted by CPS customers.

• Repair support for refrigerators, washers, dishwashers, ovens, and smart appliances
• Eligibility for coverage on many refurbished, open-box, and scratch-and-dent products
• Assistance with repair coordination and claims after manufacturer warranty expiration
• Access to authorized repair networks for advanced and premium appliances
• Practical support for expensive mechanical and electronic failures

Can CPS Help if My Appliance Is Already Out of Warranty?

For many homeowners, repair concerns become more important after the original manufacturer warranty expires. CPS may still be able to help connect customers with troubleshooting guidance, factory-authorized repair options, replacement part assistance, and in some cases, extended protection options for eligible products.

• Factory-authorized repair referral assistance for eligible appliances and electronics
• Troubleshooting guidance and repair coordination support for out-of-warranty products
• Help locating replacement parts, authorized service providers, and repair options
• Guidance on extended protection eligibility for certain products after the original purchase or manufacturer warranty period

What Should You Know About Appliance Protection Plans?

Which appliances are considered high-risk for costly breakdowns?

Appliances with expensive components—such as refrigerators (compressors), washers (motors/control boards), dishwashers (pumps/electronics), and smart or premium models—are typically high-risk for costly repairs, especially after the manufacturer warranty expires.

Are smart appliances more expensive to repair?

Yes. Smart appliances often require specialized diagnostics and replacement parts for control boards or electronics, leading to higher repair costs after warranty expiration.

What appliance failures are most common after the warranty ends?

Based on CPS’s historical claims data, compressor failures, control board issues, pump breakdowns, and electronic component problems are among the most common post-warranty repairs.

Do refurbished or open-box appliances qualify for protection plans?

Many refurbished, open-box, and scratch-and-dent appliances are eligible for CPS protection, but eligibility depends on the product type, age, and condition.

Can you get coverage for appliances after the original purchase?

Sometimes. Depending on the product and its condition, CPS may offer extended protection options even after the original purchase or manufacturer warranty period. Eligibility requirements apply.

What should I look for in an appliance protection plan?

Look for coverage that includes compressors, control boards, and major mechanical/electrical failures, as well as access to an authorized repair network and clear claims support.

How do CPS protection plans help with repair costs?

CPS plans help reduce out-of-pocket repair costs by covering eligible breakdowns, coordinating authorized repairs, and providing support for expensive or complex appliance failures.

What happens if my appliance fails after the warranty expires?

After warranty expiration, customers are responsible for repair costs unless they have extended coverage. CPS can assist with troubleshooting, repair referrals, and, in some cases, protection options for eligible products.

Are premium and built-in appliances more expensive to repair?

Yes. Premium kitchen appliances and built-in models often involve higher parts and labor costs, making protection plans and authorized repair access more important for long-term owners.

Looking for Warranty Coverage Options?

Explore your coverage options or speak with a CPS specialist to learn how protection plans can help with costly appliance repairs and long-term ownership costs.

For many homeowners, protection plans become more valuable as appliances age and repair costs rise—especially for high-risk products like refrigerators, washers, and smart appliances. Repair professionals often report that expensive failures, such as compressor or control board breakdowns, tend to happen after the original warranty expires.

Before deciding whether additional coverage makes sense, consider your appliance’s age, repair history, and replacement cost. For customers planning to keep their appliances long-term or worried about unexpected repair bills, exploring protection options or support resources may be a worthwhile next step.