Assurant Extended Warranty Review (2021)

Assurant Warranty Review

In Our Opinion:

Assurant offers multiple coverage options for extended car warranty coverage. However, the company has a history of poor customer service and defrauding buyers. Based on these facts, we don’t recommend purchasing an Assurant extended warranty.

Industry Standing:

Coverage:

Customer Service:

Pros:

Well-known, financially stable underwriter

Multiple coverage levels and customizations

Cons:

History of defrauding customers

Very poor customer service record

Only sold through dealerships and financial institutions

1.5

Assurant extended warranty contracts are sold through participating dealerships, agents, and financial institutions. You may be offered an Assurant product when you buy a new or used vehicle through your local dealer. As with any expensive product, you should take the time to learn more about Assurant before purchasing one of its vehicle service contracts.

This review takes a closer look at Assurant extended warranty coverage and summarizes what current Assurant customers have to say about the company.

The best way to decide if an Assurant extended warranty is right for you is to read reviews and compare price quotes with those from other providers. Our research team has collected data on the best extended car warranty companies in the industry. You can start comparing prices from some of our top-rated providers by clicking the links below.

Featured Extended Warranty Companies

We reviewed the industry’s top extended auto warranty providers, and here are our featured picks.

Best Overall

Best for Used Cars

Low-Cost Plans

Endurance

CARCHEX

Select Auto Protect

Get Quote

Get Quote

Get Quote

(866) 990-3410

(866) 950-7122

(860) 294-4933

Assurant Extended Warranty: What You Need to Know

Assurant Extended Warranty Coverage

Assurant Extended Warranty Cost

Assurant Reviews

How Do Assurant Warranties Work?

Final Thoughts: Assurant Extended Warranty

Our Top Picks for Extended Warranty Coverage

Endurance: 5.0 Stars

CARCHEX: 5.0 Stars

Assurant Extended Warranty: What You Need to Know

Assurant sells risk management products across several industries, including housing, consumer electronics, vehicle service contracts, and pre-funded funeral insurance. The company was formerly known as Fortis and is currently on the Fortune 500 list of the largest publicly-traded companies in the U.S.

Assurant Extended Warranty Coverage

Details about Assurant extended warranty contracts are not made available on the Assurant website. Assurant partners with dealerships, and contract specifics may differ from seller to seller. We found that Assurant offers five coverage levels with different mileage eligibility limits:

Platinum: Vehicles up to 150,000 miles

Gold: Vehicles up to 180,000 miles

Silver: Vehicles up to 200,000 miles

Powertrain: Vehicles up to 150,000 miles

Engine: Vehicles up to 150,000 miles

While no more details are provided, it is likely that Platinum plans offer bumper-to-bumper warranty coverage and the Powertrain plan covers powertrain components such as the engine, transmission, and drivetrain. All plans are transferable, can be canceled, and include the following additional benefits:

Rental reimbursement

Emergency roadside assistance

Travel expense reimbursement (except in New York)

In addition to Assurant extended warranty coverage, customers may also have the option to purchase additional protection products such as prepaid maintenance plans, interior and exterior cosmetic coverage, and theft protection.

Assurant Extended Warranty Cost

The cost of an Assurant extended warranty will be determined by your dealership and may be negotiable. Typically, the cost of an extended warranty depends on the following factors:

Location

Coverage level

Deductible option

Vehicle age and mileage

Vehicle make and model

Older vehicles with higher mileage are more prone to expensive repairs and therefore more expensive to cover. Typical five-year, full-protection vehicle service contracts cost between $1,700 and $4,600 in total. If you’re quoted an Assurant extended warranty price that’s much higher than this range, you’ll likely be able to find cheaper coverage from a third-party provider.

Assurant Reviews

While Assurant is accredited by the Better Business Bureau (BBB) and holds an A+ rating, the company’s customer reviews are very poor. Assurant has received over 1,200 complaints in the last three years. However, as Assurant is a large company, a certain number of complaints is to be expected.

Customers who complain about A

What is even more troubling than the customer reviews is Assurant’s history in the health insurance sector. In the early 2010s, Assurant Health was caught repeatedly canceling health policies for customers that had serious medical conditions.

The South Carolina Supreme Court became involved in a case in which a policyholder who contracted HIV had his coverage wrongly revoked. This was later shown to be part of a larger pattern. A Reuters report found that Assurant had adopted a policy of specifically targeting customers recently diagnosed with HIV for automatic fraud investigation as an excuse to cancel policies.

While these cases do not concern Assurant extended warranty products, they do paint a disturbing picture regarding the values and interests of Assurant.

How Do Assurant Warranties Work?

If you experience a breakdown caused by a covered vehicle part, contact an Assurant extended warranty representative at

800-852-2244. The representative will guide you through the steps to filing a claim, which will likely involve taking your vehicle to a licensed repair facility, waiting for a diagnosis, and getting pre-authorization from Assurant. Assuming the repair is covered, Assurant will pay all repair costs, minus your deductible.

Assurant also has an online claims portal that you can use to file a claim.

Final Thoughts: Assurant Extended Warranty

Assurant’s troubling history of fraudulently canceling policies is a red flag, and customer reviews indicate that Assurant may not often pay out claims. For these reasons, we don’t recommend purchasing an Assurant extended warranty.

Our Top Picks for Extended Warranty Coverage

If you are looking for an extended car warranty, be sure to purchase from a company that you can trust. While no provider is perfect and every contract has exceptions, our top-rated companies have track records for standing by their contracts.

Based on the data compiled by our research team, we’ve determined that the two best extended auto warranty providers in the nation are Endurance and CARCHEX.

Endurance: 5.0 Stars

Endurance offers some of the best extended service contracts around. Customers can choose from the following plans:

Supreme: An exclusionary, bumper-to-bumper warranty that includes coverage for most mechanical and electrical parts

Superior: A named-component plan that covers hundreds of listed parts

Secure Plus: A mid-level plan that provides coverage for the powertrain, air conditioning, brake components, and steering system

Secure: A basic powertrain plan that covers parts of the engine, transmission, and drivetrain

Select Premier: A plan designed especially for high-mileage vehicles that covers most powertrain components

EnduranceAdvantage

TM

: A plan that combines routine maintenance and repair coverage

One thing that sets Endurance apart is its high-end benefits. Along with the standard rental car reimbursement and trip interruption perks, Endurance gives every new customer a free year of Endurance Elite Membership, which includes the following perks:

Identity theft services

Key fob replacements

Repair financing loans

24/7 roadside assistance

$250 entertainment voucher

Tire repairs and replacements

Access to a personal concierge service

Learn more in our complete Endurance warranty review. To see what an Endurance plan would cost for your vehicle, get a free quote below.

Best Overall

Get Quote

(866) 990-3410

Industry veteran that handles your plan directly, from quote to claim

CARCHEX: 5.0 Stars

CARCHEX is among the most well-known names in the auto warranty industry. It provides contracts for high-mileage vehicles at affordable prices and has a strong history of paying customer claims.

CARCHEX extended service plans include:

Titanium: An exclusionary plan, similar to a bumper-to-bumper warranty, that covers all vehicle parts, except for a short list of conclusions

Platinum: A comprehensive stated-component plan that covers most major vehicle systems, including high-tech electronics

Gold: A mid-tier stated-component plan that covers many major vehicle systems

Silver: A powertrain plan with added coverage for limited electric, air conditioning, and steering components

Bronze: A basic powertrain plan that covers the engine, transmission, and drivetrain

Read more in our comprehensive CARCHEX review, and get a personalized quote below.

Best for Used Cars

Get Quote

(866) 950-7122

Top suppliers, providing unparalleled customer service and Affordable coverage