ASURION 3 Year Home Improvement Protection Plan ($600 - $699 inch
✅ PROS
- Covers mechanical and electrical failures from day one, including the manufacturer's warranty period
- Claim process is fully digital — file online or via app, no phone tag or shipping your tool anywhere
- Prorated refund available if you cancel within the first 30 days
❌ CONS
- Does NOT cover accidental damage, drops, or water exposure — only mechanical/electrical failure
- Reimbursement is based on 'fair market value' at time of claim, not what you paid
- You must have the original receipt and register the plan within 30 days of purchase
The Verdict
You just dropped $650 on a table saw, compound miter saw, or maybe a high-end pressure washer. The last thing you want is the motor burning out 14 months in — right after the manufacturer’s warranty expires. That’s exactly the gap ASURION’s 3-Year Home Improvement Protection Plan is designed to fill.
Here’s the honest breakdown of whether this $600-$699 coverage tier is worth your money.
What You Actually Get
This plan covers products priced between $600 and $699. The 3-year term runs from your date of purchase — not from when the manufacturer’s warranty expires — so you’re getting overlapping coverage for the first year or two, then standalone protection for the remainder.
The scope is straightforward: mechanical and electrical failures, including parts and labor. If your tool’s motor seizes, the electronics board fries, or the transmission grinds to a halt, ASURION will repair it or reimburse you. The claim process is refreshingly modern — file online or through their app, upload photos or a video of the issue, and they typically approve or deny within 24-48 hours.
What Buyers Actually Say
The 4.2-star rating across 210 reviews reflects a split personality. The positive reviews consistently mention two things: speed and no-hassle resolution. One verified buyer wrote, “My pressure washer died at 16 months. Filed the claim on a Tuesday, had a check by Friday. No inspection, no arguing, no shipping it anywhere.” Another noted, “Paid $67 for the plan on a $650 saw. When the switch assembly failed, they reimbursed me $580 based on current value. I got most of my money back.”
The negative reviews cluster around two predictable frustrations. First, confusion about what’s NOT covered. Drops, water damage, power surges from lightning, and normal wear items like blades or belts are excluded. Second, the reimbursement calculation uses depreciated fair market value, not your purchase price. One reviewer grumbled, “They gave me $410 on a saw I paid $650 for 20 months ago. Technically the plan worked, but I expected closer to what I spent.”
Where It Falls Short
Let’s be direct about the limitations. The fair market value depreciation is the biggest gotcha — you’ll never get a full replacement cost back. If you’re buying this for a tool you’ll beat on daily, remember that physical damage isn’t covered. A dropped drill or a saw that takes a water splash is on you.
There’s also the registration requirement. You must register the plan within 30 days of purchase and keep your original receipt. Miss that window and the plan is void. That’s a hard deadline that’s easy to blow past.
Finally, the $600-$699 price tier is oddly specific. If your tool costs $700, you’ll need to look at the next tier up, which typically costs more. Check your exact purchase price before adding this to your cart.
Who Should Buy This
Buy it if: You’re investing in a major stationary tool (table saw, planer, dust collector) or an expensive outdoor power tool you’ll keep for years. If you’re not handy with electronics repair and don’t want a $650 paperweight when a $40 switch fails, this plan pays for itself with one claim.
Skip it if: You’re buying a tool you’ll abuse, drop, or expose to the elements — those aren’t covered anyway. Also skip if you’re comfortable doing your own repairs or you typically replace tools before the 3-year mark.
FAQ
Q: Does this cover the manufacturer’s warranty period too? Yes. The plan starts at purchase, so it overlaps with the manufacturer’s warranty. If the manufacturer denies a claim, ASURION steps in. Just make sure you file with the manufacturer first during that initial period.
Q: How does reimbursement actually work? They calculate based on the item’s fair market value at the time of the claim, minus any applicable deductible. You’ll receive a check or Amazon gift card. You don’t send the tool anywhere unless they request it for inspection.
Q: Can I transfer the plan if I sell the tool? Yes, ASURION plans are transferable if you sell the item before the plan expires. You’ll need to contact customer service to initiate the transfer, and the new owner must provide proof of purchase.
The Verdict
Rating: 4.2/5
This is a solid, legitimate protection plan for a specific use case: expensive home improvement tools that fail mechanically, not physically. The claim process is genuinely painless, and the coverage gap it fills — year 2 and 3 after the manufacturer’s warranty expires — is exactly where most tools die.
The depreciation math and the accident exclusions are real downsides, but they’re clearly disclosed if you read the fine print. For a $60-$70 annual cost on a $650 tool, the peace of mind is worth it. Just register on time, keep your receipt, and understand you’re insuring against failure, not stupidity.
Where to Buy
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Last updated: 2026-08-06. Ratings and prices current as of review date. Verify on Amazon before purchasing.