IS APPLIANCE INSURANCE WORTH PAYING FOR ? After observing a number of clients having to call professionals to repair their household appliances, I chose to write this article to help appliance owners with their decision to purchase insurance policies for their machines. This is the perspective of a professional appliance repair technician. WHY BUY INSURANCE? There are a number of reasons for purchasing a policy for your washing-machine, dryer, refrigerator, dish-washer and oven range. The reasons are stated and explained in this article. Take note that the appliances named herein are usually not covered under a home insurance protection plan. Dealer Advised It The store or company that sells these machines may push for you to buy some insurance or warranty. This usually sounds like a good idea. However, take into consideration that such extra money spent means more of your cash in the seller’s pocket. Also, such an appliance insurance or warranty may run out before your machine needs repair. To top it off, you could buy many of the same machines with such perpetual payments. One Client lamented that her 'Dealer' Company would not repair her oven because it is “too old”. This Client had an insurance policy that was “current” as of the time she made the call. Mandated By Law It may be required to have a home policy, but Appliance Insurance is usually optional. Before getting sold on such meaningless spending, check your state’s (and/or city) law on this matter. Taking time to call and look up what is required would be worth all the effort. At least you would have achieved something more helpful than posting or following some tasteless social media. Cheaper Repair Rate Lowering the cost for repairing your machine is another reason for buying appliance insurance. This is a fallacy. Let me explain it by the numbers: If an appliance insurance policy costs X per month, then in one year that would be 12X. The cost to repair any such machine is usually anywhere between X and 8X. Imagine paying 12X every year for 5, 10 years or more. You do the math. Appliance Insurance – 12X (and this continues every year) Repair cost – X to 8X Peace of Mind Most of us love the peace of mind that comes with an appliance repair just on time. This is what appliance insurance supposedly guarantees. Unfortunately, it does not work this way. Big companies are so busy, that it takes days (if not weeks,) to visit your house and diagnose your machine. After that visit, it could take another 10 days, or more, for their technicians to return with the part needed to repair the washer, dryer, refrigerator or oven. Mrs. O called to have her washing machine repaired after the big departmental store took about a month to visit her house for diagnostic purposes. She was running out of patience and “peace of mind”, so she called. Her machine was repaired in just one day by ARJOT. CONCLUSION Make appliance insurance decision based on g

1. APPLIANCE INSURANCE:
www.arjot.com

2. www.arjot.com

3. WHY BUY INSURANCE?
There are a number of reasons for purchasing a policy for
your washing-machine, dryer, refrigerator, dish-washer
and oven range. The reasons are stated and explained in
this article. Take note that the appliances named herein
are usually not covered under a home insurance protection
plan.
After observing a number of clients having to call
professionals to repair their household appliances, I
chose to write this article to help appliance owners with
their decision to purchase insurance policies for their
machines. This is the perspective of a professional
appliance repair technician.

4. www.arjot.com

5. The store or company that sells these
machines may push for you to buy some
insurance or warranty. This usually sounds
like a good idea. However, take into
consideration that such extra money spent
means more of your cash in the seller’s
pocket. Also, such an appliance insurance
or warranty may run out before your
machine needs repair. To top it off, you
could buy many of the same machines with
such perpetual payments.
One Client lamented that her 'Dealer'
Company would not repair her oven
because it is “too old”. This Client had an
insurance policy that was “current” as of
the time she made the call.

6. www.arjot.com

7. It may be required to have a home
policy, but Appliance Insurance is usually
optional. Before getting sold on such
meaningless spending, check your state’s
(and/or city) law on this matter. Taking
time to call and look up what is required
would be worth all the effort. At least you
would have achieved something more
helpful than posting or following some
tasteless social media.

8. www.arjot.com

9. Lowering the cost for repairing your
machine is another reason for buying
appliance insurance. This is a fallacy. Let
me explain it by the numbers: If an
appliance insurance policy costs X per
month, then in one year that would be 12X.
The cost to repair any such machine is
usually anywhere between X and 8X.
Imagine paying 12X every year for 5, 10
years or more. You do the math.
Appliance Insurance – 12X (every year)
Repair cost – X to 8X

10. www.arjot.com

11. Lost of us love the peace of mind that
comes with an appliance repair just on time.
This is what appliance insurance supposedly
guarantees. Unfortunately, it does not work
this way. Big companies are so busy, that it
takes days (if not weeks,) to visit your house
and diagnose your machine. After that visit,
it could take another 10 days, or more, for
their technicians to return with the part
needed to repair the washer, dryer,
refrigerator or oven.
Mrs. O called to have her washing machine
repaired after the big departmental store took
about a month to visit her house for diagnostic
purposes. She was running out of patience and
“peace of mind”, so she called. Her machine was
repaired in just one day by ARJOT.

12. www.arjot.com

13. Appliance insurance seems to be a
worthy expenditure based on ignorance.
Once the pros and cons are weighed, there
are no significant advantages to having
such a policy. It is far better, much
cheaper, and definitely easier, to call a
local appliance technician to have your
appliance repaired just on time.

14. www.arjot.com
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