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Lowe’s has been around for over 100 years and is the nation’s second-largest home improvement retailer, serving millions of customers weekly. Customers can access their services nationwide, as they are accessible in all 50 states. Lowe’s protection plans cover various products, including appliances, tools, and outdoor power equipment. 

This Lowe’s Protection Plan review is a product of detailed research conducted by our editorial team. We analyzed the company’s services and customer reviews to help prospective homeowners with the following details:

  • Plans, pricing, and coverage details
  • Exclusions and dollar limits
  • A step-by-step guide to filing claims

Why Lowe’s Protection Plans?


Lowe’s completes over 17 Million transactions per week


The company’s expertise can be seen through its experience of a century


Lowes does not mandate any waiting period to start the services


The company gives 30% of your protection plan cost back if your major appliance had no repair claims



4/5 (496)



1.4/5 (5,684)

Consumers Advocate


4.4/5 (28)

Explore Verified Consumer Reviews for Lowe’s Protection Plans

Jon S , FL, Cape Coral

We\'re very, very pleased with Lowe\'s extended warranty service. Our 3- year old washer started having problems. On the first call to Lowe\'s they scheduled us for a repair tech visit the next day. Instead, we got a disgruntled repair company saying they\'d be out in a week or so, and got very rude when we told them Lowe\'s promised a visit that day. We called back to Lowe\'s. Their scheduler was very apologetic about the nasty response, and rescheduled us with another repair company the next morning. Here\'s the timeline of what then happened: Friday, noon - Repair tech said it probably wasn\'t repairable, but Lowe\'s would have to make the decision based on his analysis. Monday afternoon - Lowes called and said that they would authorize the replacement, and that we would soon get a gift card to use for the replacement cost. Tuesday - Gift card arrived by email, and we went to Lowe\'s to order the replacement. Wednesday, 10 AM -The new washer was delivered and installed. 11 AM - our first load of laundry was in the wash. Great service! Much faster than expected, effective and courteous (except for the surly first repair company, which I think may no longer getting Lowe\'s business). Thanks!

Paul siverling , VA, Amherst

We bought a Whirlpool French door refrigerator in July 2022.It is now Aug.2023.we have had nothing but trouble with this refrigerator. Several service calls on it for the same problems.Finally Assurance who services Lowes plans.Agreed to buy back the refrigerator.They we’re very professional in handling our problem.We we’re very pleased with the service we received.However We do not recommend Whirlpool refrigerators.Never again.

TCJ , SC, Lynchburg

I purchase a refrigerator a approximately 5 years ago that has required multiple repairs for the same issue. Lowes made the decision to replace under their warranty. I appreciate this type of customer service and makes me a lifelong customer of Lowes and its warranties.

Vera Conner , FL, Cape Coral

I am so thankful I took their extended warranty on Sears Elite refrigerator because the ice maker broke when it was still under warranty with Sears A&E Factory Service - they were horrible. Worse company ever to deal with over the phone. The service tech was ok but boy oh boy the phone service was horrible and ordering warranty parts. Started dealing with Customer Care Appliance Service that Lowes has here in Ca** Cor**, FL and the service tech was outstanding. It was worth the money.

Robert Sullivan , TX, Wichita Falls

Calling was tortuous but got appointment for mr washer within 14 days. More like 4 days. Called me to make appointment. Called day of to tell me on way. Came, fixed. Turns out it was a plugged filter that should be checked by me every 3 to 4 moths. Happy. But the calling to make appointment was tortuous.

Raul Martinez , FL, Tampa

I always buy extended warranty plan.When I need it the plan has worked.I want to mention the excellent skills and customer services provided by ***** from Arburquerque.She is an model example how customer service should be .Professional ,kindness and a person you can true.She goes extra miles .

  • GO TO

Pros & cons


  • Offers multi-year coverage
  • Doesn’t charge a deductible


  • Offers coverage for only one product per plan
  • Comparatively more expensive than most comprehensive plans

Enquire For Cost-effective home warranty plans

Protect Your Home Appliances And Systems Starting As Low As $1.5/Day

Plans & Coverage Of Lowe’s Protection

 Lowe’s protection plans are available for items purchased from their store. The plans are divided into eight categories, covering over 50 home items.

Also, in the case of appliances, you can have a joint protection plan for two to three appliances. The home systems and appliances eligible for Lowe’s protection plans are categorized under eight groups. These are:

Lowe’s plans cover outdoor equipment, grills, power tools, and other items in addition to major home furnishings. As a result, its offers can be considered extensive compared to other home warranty plans on the market. Along with the plans, customers can also avail of benefits and rewards programs offered by Lowe’s.

Let’s take a look at the coverage in detail:


Major Appliances

Small Appliances

Power Tools

Grills & Smokers

Outdoor Power Equipment

Heating & Cooling


Water Heaters



Trash Compactors

Wall Ovens


Range Hoods




Washing Machines


Compact Refrigerators

Food Processors & Slicers


Wine Coolers




Coffee & Espresso Makers


Garbage Disposal

Drills & Drivers



Drill Presses


Power & Tile Saws

Wet/Dry Vacuums




Gas Grills

Gas Smokers

Electric Grills

Electric Smokers

Pellet Grills



Portable Generators

Pressure Washers

Log Splitters




Air Conditioners

Gas Fire Pits

Portable Fans


Evaporative Coolers




Jetted Tubs

Water Softener Systems

Water Filtration Systems

Electric & Gas Traditional Water Heaters

Electric & Gas Tankless Water Heaters

Note: Lowe’s does not provide coverage for optional items. 

Find out what else your home warranty cover by taking a free quote here!
Find out what else your home warranty cover by taking a free quote here!
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Find out what else your home warranty cover by taking a free quote here!

Coverage Limitations & Exclusions

Lowe’s protection plans have a set of limits and exclusions. The limit of liability under protection plans for any single claim does not exceed the retail cost of your item.

Moreover, for your gen-sets/portable generators, the company will have up to $1,000 per contract term.

Apart from the coverage limits, Lowe’s does not cover repairs or replacements of the following: 

Note: There may be more limits or exclusions, so we advise you to read your contract thoroughly.

Lowe’s Protection Plan Cost

Lowe’s protection plan costs are distinct for each product according to its original value. You can expect to pay between $25 – $400, depending on your item and the plan’s duration. 

For reference, take a look at the below-mentioned prices for major appliances:

Price Of The Item

3 Year Plan

5 Year Plan




























2 Laundry Appliances



2 Kitchen Appliances



3 Kitchen Appliances



Note: The prices mentioned above are for major appliances. We recommend getting a free quote from the company to know the exact pricing for the items for which you require coverage.

Review Of Plans, Coverage & Customer Service Of Lowe’s Protection Plan

Lowe’s is the second largest home improvement retailer in the United States, operating since 1921. With over 100 years of experience, the company has created a significant brand presence nationwide.

Review Of Lowe’s Protection Plans & Coverage

Review Of Lowe’s Protection Plans Customer Services

Lowe’s Protection Plans Claim Filing Procedure: Phone Number, Web Portal, & Online Form

Follow the listed steps to place a Lowe’s Protection Plan claim request –

Note: You can also place an emergency service request with Lowe’s at no extra charge.


Lowe’s Protection Plans allow customers to extend protection for their home items. However, it’s essential to recognize that Lowe’s does not offer comprehensive coverage for all major appliances and systems, unlike other home warranty companies.

Lowe’s Protection Plan can be a viable option if you’re interested in covering specific home appliances or systems. Nevertheless, we always recommend that customers thoroughly review the terms and conditions before purchasing.

Looking for the finest home warranty? Get your free quote!
Looking for the finest home warranty? Get your free quote!
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Looking for the finest home warranty? Get your free quote!

Quick Details About The Company

Here are some details about Lowe’s that will help you know more about the company. Take a look:


L.S. Lowe

Year Of Establishment



Marvin Ellison


Mooresville, North Carolina, United States

Type Of Company


Why Should You Trust Us?

Frequently Asked Questions (FAQs)


Is Lowe's Protection Plan Transferable?


If you sell the product under Lowe’s protection plan, you can also transfer the protection to the new owner. You need to contact the Plan Administrator with the new owner’s contact information, date of transfer, and plan reference number.


How Long Does Lowes Extended Warranty Last?


Lowe’s offers multiple warranty periods for their protection plans. The most common ones range from 2 to 5 years.


Is Lowe's Protection Plan Legit?


Yes, Lowe’s is legitimate, and the company has been operating for over a hundred years. However, the company sometimes has received complaints due to its claims processing procedure.


How Do I Activate My Lowe's Protection Plan?


Lowe’s protection plans are offered to you as an option while purchasing a product that is eligible for coverage. 

You can activate your protection plan when the covered item breaks down and needs repair or replacement. You can call, text, or email the Plan Administrator to approve the claim, after which the broken item will be repaired or replaced.


Are Lowe's Protection Plans Refundable?


Yes, Lowe’s Protection Plans are 100% refundable within the first 30 days, less the cost of any labor, service, reimbursement, etc., you received under the plan. After the initial 30 days, you will be eligible for a pro-rata refund of the price of the plan. However, we recommend reading the terms and conditions properly.


Lowe's Vs. Home Depot: Which One Offers The Better Appliance Warranty?


Lowe’s and Home Depot’s protection plans offer extended warranties for appliances and other general merchandise. Both companies’ prices, coverage, and benefits are comparable.

Home Depot beats Lowe’s by a small margin in certain aspects like service guarantees, coverage for a couple more items, the scope of their benefits, and more. However, both companies need better customer feedback regarding their coverage and claims process.


Does Lowe's Replace Devices If They Cannot Repair Them?


All home warranty companies have certain guidelines for deciding between repair or replacement of the product. If Lowe’s determines that the device is beyond repair, the company may offer new, rebuilt, or refurbished items with similar or equal features and functionality as the original product. 

However, if the company pays for a non-repairable device or provides a replacement, you will no longer own the product, and its ownership will be passed on to Lowe’s.


How Long Does Lowe's Take To Repair Devices?


Lowe’s usually provides repair services within 7 – 14 days. However, if they cannot repair within their given timeline, the company will pay the repair costs or a $50 one-time payment over the contract period. If the plan includes onsite pick-up or service, the turnaround time begins when you contact the Plan Administrator and report the issue.

If you cannot get the first appointment, the turnaround time begins at the first service visit. If your contract does not include onsite pick-up or service, the turnaround time begins once the product has been delivered to the location. This clause does not apply to freezers or fridges.


Does Lowe's Cover Outdoor Power Equipment?


Yes, Lowe’s covers outdoor power equipment. Some include portable generators, trimmers, log splitters, pressure washers, edgers, snowblowers, riding mowers, chainsaws, and tillers.


Will Lowe's Cover Reinstallation Labor Charges?


Yes, Lowe’s covers reinstallation labor charges, but only for some products. The company will cover professional reinstallation charges if your water softener or filtration is not repairable and needs to be replaced.


What Discounts Does Lowe’s Offer?


Lowes offers the following benefits 

  • Payback Reward– 30% cashback on the plan if no service call is placed before plan expiration. 
  • Keep It Running Reward– 50% on various components, depending on your plan.
  • Restock Your Food Rewards– Lowe’s will provide up to $300 per food loss incident if it is caused due to a faulty freezer or refrigerator.  
  • Repair Quick–  Lowe’s will provide repair within seven days or offer you a one-time payment of $50.

Some other value-added services include Reinstallation Labor, Professional Reinstallation Reimbursement, and Lowe’s TechConnect. You can find more details on these rewards in your service agreement, so read it carefully.


How Many States Are Covered By Lowe’s?


You can find Lowes Protection Plans in all 50 states through Lowes stores.

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