ASURION 3 Year Home Improvement Protection Plan ($700 - $799 inch
✅ PROS
- Covers mechanical breakdowns and electrical failures on expensive tools up to $799 retail
- Claims handled by ASURION directly—no back-and-forth with the original manufacturer
- Transferable if you sell the covered item within the 3-year term
❌ CONS
- Does not cover normal wear and tear, which is the most common failure mode for power tools
- No accidental damage coverage—drops, spills, and power surges are excluded
- At 10-15% of product cost, it's pricey compared to manufacturer extended warranties
The Verdict
You’re staring at a $750 table saw or a $780 pressure washer, and Amazon asks if you want to add a 3-year protection plan for another $99. The ASURION Home Improvement Protection Plan covers items between $700 and $799. It sounds like a no-brainer—until you read the fine print. Here’s what 195 ratings at 3.9 stars actually tell you.
What you’re actually buying
This is not an extended warranty. It’s a service contract administered by ASURION, one of the largest protection plan providers in the U.S. You get 3 years of coverage starting from your purchase date—which includes the manufacturer’s warranty period. So if your tool dies in year one, you still file through ASURION, not the brand.
The plan covers mechanical and electrical failures. That means motors that burn out, switches that stop working, gears that strip. It also covers labor and parts, and ASURION arranges the repair or replacement. No shipping fees, no deductible.
How it performs in real life
The claims process is straightforward: file online or by phone, describe the failure, and ASURION sends a repair tech or authorizes a replacement. Most buyers say approvals take 2-5 business days. One verified review put it plainly: “My drill press motor died at 14 months. They sent a check for the full purchase price within a week. No inspection, no hassle.”
But here’s the catch that shows up in the negative reviews. The plan explicitly excludes normal wear and tear. For tools, that’s a big gap. A circular saw that loses power after heavy use? That’s wear. A drill chuck that won’t tighten? That’s wear. ASURION says these are expected degradation, not failures. Multiple reviewers hit this wall—one wrote: “They denied my claim because the gearbox wore out from use. That’s exactly what I bought the plan to cover.”
What buyers praise
- Fast claim processing when the failure qualifies
- Replacement checks, not just repairs—no waiting for parts
- Coverage follows the product if you sell it within the term
Where it falls short
- No accidental damage: drop your $750 miter saw off a stand and crack the housing—not covered. Power surge from a faulty outlet—not covered.
- The wear-and-tear exclusion is broad. For tools that get daily professional use, this plan may not pay out.
- At $99 on a $799 item, you’re paying 12.4% for coverage that excludes the most common failure modes.
Who should buy this
- The weekend DIYer who uses a high-end tool a few times a month. Your failure risk is low, but if it does fail, it’s likely a genuine defect—which this plan covers.
- The gift-giver buying a $750 tool for someone else. The plan adds a safety net without awkward warranty discussions.
- The reseller who moves tools within a year. The transferable coverage adds resale value.
Who should skip it
- Professional contractors who run tools daily. Your failures will be classified as wear and tear, and you’ll burn $99 on a denied claim.
- Buyers of budget brands—if the tool costs $700 but the brand has a weaker reputation, put the $99 toward a higher-tier model instead.
- Anyone who wants accidental damage coverage—this plan doesn’t provide it. Look at a credit card that extends warranties or a homeowners policy rider instead.
Frequently asked questions
Can I file a claim if the manufacturer warranty is still active?
Yes. ASURION is the sole administrator. You don’t deal with the manufacturer at all. Some buyers report ASURION asks for proof of purchase and a description of the failure, then handles everything.
Is the plan refundable if I never use it?
You can cancel within 30 days for a full refund. After that, you get a prorated refund minus a $25 cancellation fee. But note: if you cancel after a claim has been paid, you don’t get a refund.
Does ASURION replace the item or repair it?
ASURION decides based on cost. If repair costs exceed 50% of the item’s value, they typically replace it—either with a new unit or a check for the purchase price. For items in the $700-$799 range, replacement is common.
The verdict
Buy it if: You’re a light-to-moderate user with a genuine-defect concern, or you want transferable coverage for resale.
Skip it if: You’re a heavy user, you expect accidental damage coverage, or you’d rather put $99 toward a better tool.
Rating: 3.7/5 — Solid for casual users, overpriced for pros. The exclusion wording is the dealbreaker—read it before you click “add to cart.”
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.