ASURION 4 Year Home Improvement Protection Plan ($800 - $899 inch
✅ PROS
- Covers tools in the $800-$899 range that manufacturers typically only warranty for 1-3 years
- Claims process is handled directly through Asurion's portal — no shipping your equipment to a third party
- Includes accidental damage from drops and spills, which standard manufacturer warranties exclude
❌ CONS
- You're paying $100+ for coverage that may duplicate a credit card's extended warranty benefit
- Reimbursement is based on depreciated value, not full replacement cost, if repair isn't possible
- Doesn't cover consumable parts like blades, bits, or batteries that wear out with normal use
The Verdict
Let’s be direct: a 4-year protection plan for a tool that costs $800-$899 is a bet. The question is whether Asurion’s odds are worth your money.
I dug through the 215 ratings on this plan (4.3 stars average) and the terms carefully. Here’s what actually matters.
What you’re actually buying
This plan covers home improvement tools and equipment priced between $800 and $899 — think high-end table saws, compound miter saws, pressure washers, or professional-grade cordless tool kits. You’re not buying a physical product; you’re buying a service contract that extends coverage to 4 years from your purchase date.
The plan covers mechanical and electrical failures, plus accidental damage from drops, spills, and power surges. That last part matters — most manufacturer warranties don’t touch accidental damage, and a surge can fry a $400 motor board in seconds.
How it works in practice
When something breaks, you file a claim through Asurion’s app or website. They’ll either send a repair technician, replace the unit, or reimburse you. One detail worth noting: if they can’t repair it, reimbursement is based on the item’s depreciated value, not what you paid. That’s standard for these plans, but it’s worth knowing going in.
What buyers consistently praise
Reading through the reviews, the common thread is how painless the claims process is. One buyer noted: “My miter saw died 14 months in. Filed the claim on a Tuesday, had a check by Friday. No runaround, no hoops.” Another mentioned: “I’ve used Asurion four times on different products. They’ve never once given me a hard time about a legitimate claim.”
The accidental damage coverage gets repeated shout-outs. People who’d dropped a tool off a ladder or knocked one off a workbench were surprised — pleasantly — that the claim went through without a fight.
Where it falls short
The biggest complaint isn’t about Asurion’s service — it’s about the value math. At roughly $100+ for this tier, you need to ask yourself two things:
First, does your credit card already extend the manufacturer’s warranty? Many premium cards double it up to an extra year. If your card adds a year to a 3-year manufacturer warranty, you’re paying for overlapping coverage.
Second, what’s the tool’s realistic lifespan? A $850 table saw that sees light weekend use might easily last 10+ years without a major failure. The plan only makes financial sense if you’re a heavy user or you’re prone to accidents.
There’s also a notable gap: consumables — blades, bits, batteries, belts — aren’t covered. Normal wear and tear isn’t covered either. If your tool dies from a worn-out motor brush, that’s a maintenance issue, not a covered failure.
Who should buy this
Buy it if: you’re a contractor or serious DIYer putting daily hours on a $800+ tool, you have a history of dropping or damaging equipment, or you’re buying a tool known for electronics issues (anything with a circuit board).
Skip it if: you’re a weekend warrior using the tool a few times a month, your credit card already extends warranties, or you’re buying something mechanically simple — a hand tool or basic mechanical device that rarely fails.
FAQ
Q: Does this cover a tool I bought used? No. The plan requires a valid purchase date and typically applies to new items purchased at retail. Used or refurbished tools won’t qualify.
Q: How long does a claim take? Buyers report 3-7 days from filing to resolution for most claims. Repair appointments may take longer depending on your area and the technician’s availability.
Q: Can I cancel and get a refund? Yes, within the first 30 days for a full refund. After that, you’ll get a pro-rated refund based on remaining coverage time.
The Verdict
Buy it if: You’re a heavy user (40+ hours weekly) on an expensive, electronics-heavy tool, or you’re accident-prone. The accidental damage coverage alone justifies the cost for jobsite work.
Skip it if: You’re a casual user, your credit card already extends warranties, or you’re covering a mechanically simple tool. You’re likely paying for protection you’ll never use.
Rating: 4.2/5 — Asurion delivers exactly what they promise: reliable, no-hassle claim processing. The deduction is for the value proposition, which doesn’t make sense for every buyer. Read the depreciation clause carefully before you commit.
Where to Buy
We earn a small commission at no extra cost to you — this helps fund more honest reviews.
Last updated: 2026-08-06. Ratings and prices current as of review date. Verify on Amazon before purchasing.