Are you considering purchasing an Assurant extended warranty? Choosing an extended car warranty company is an important and often time-consuming decision. In this guide, we’ll make it easier for you to decide on Assurant’s vehicle service contract offerings by reviewing the company and its coverage and sharing user reviews.
We’ll also compare Assurant to the industry’s best extended car warranty providers. Our team racked up 1,475 hours researching the auto warranty industry, weighing more than 2,000 data points along the way. Fueled by this extensive research, our experts give Assurant 3.8 out of 5.0 stars for its vehicle protection products.
Our Assurant Warranty Review And Methodology
An Assurant extended warranty is an extended automobile warranty issued by Assurant Inc., a global provider of risk management solutions headquartered in New York City. A Fortune 500 company, Assurant was founded in 1892 and provides insurance products in several industries, including the device, property, and casualty sectors.
How We Rated Assurant Warranty
To give you the most up-to-date information, we update our review standards several times each year. Our warranty research evaluates providers in the following categories:
Industry Standing
For this category, we consider a company’s history and ratings from organizations like the Better Business Bureau (BBB). Assurant, Inc. is a global provider of insurance products and has been around since 1892. The Warranty Group is the warranty services provider Assurant acquired in 2018. Taken together, we give Assurant extended warranty a solid 4.0-star rating for industry standing.
Coverage
We consider the variety of plans available, terms offered, and perks like roadside assistance when we rate extended warranty companies for coverage. Assurant offers five levels of coverage with benefits such as rental car reimbursement, roadside assistance, and travel expense reimbursement (except in New York) included in all plans.
Cost
For this review, our team sourced quotes from Assurant for a 2017 Honda CR-V with 45,000 miles and a 2017 Chevrolet Silverado with 50,000 miles. What we discovered were prices at or slightly above the industry average. All things considered, we give Assurant warranty a 4.0 out of 5.0-star rating in the cost category.
Transparency
If a company makes it easy to find sample contracts and offers a money-back guarantee, we give it a high rating for transparency. We can’t say that Assurant comes through in either instance, so we give the company a 2.5-star rating here.
Customer Service
Assurant receives solid customer reviews on sites like Trustpilot and the BBB. However, we didn’t have a great experience when gathering warranty quotes from the company. The process was generally confusing and our call was transferred three times before we connected with the right person. Overall, we give Assurant warranty 3.9 out of 5.0 stars for customer service.
What Does An Assurant Extended Warranty Cover?
Assurant coverage ranges from basic powertrain coverage to complete bumper-to-bumper extended warranties that protect most parts and systems after mechanical breakdowns.
Assurant Extended Warranty Plans
Here are the coverage plans you can get with an Assurant extended warranty:
- Platinum: Covers almost every vehicle part with only a short list of exclusions. Available for vehicles with 150,000 miles or fewer.
- Gold: Includes everything in the lower-tier Silver plan, as well as components like the anti-lock brake system, power doors and windows, and fuel sensor. Available for vehicles with 180,000 miles or fewer.
- Silver: Includes everything in the lower-tier Powertrain plan, as well as the steering, front suspension, brakes, seals and gaskets, electrical system, and air conditioning. Available for vehicles with 200,000 miles or fewer.
- Powertrain: Includes the engine, transmission, front-wheel drive, and rear-wheel drive. Available for vehicles with 150,000 miles or fewer.
- Engine: Covers the engine only. Available for vehicles with 150,000 miles or fewer.
With each coverage plan, you have access to additional benefits like roadside assistance and rental car reimbursement. All plans are transferable. To keep your warranty valid, you are required to retain copies of your maintenance receipts during the contract term.
A customer service representative from Assurant told us that its policies are administered solely through financial institutions and dealerships. The representative wasn’t able to name any specific companies that work with Assurant, and his tone wasn’t friendly.
What Does an Assurant Extended Warranty Not Cover?
As you’ll find with other extended warranty providers, an Assurant vehicle protection plan won’t cover damage that results from lack of maintenance, accidents, or environmental causes. Assurant warranties also don’t cover parts damaged by wear and tear, such as brake pads, wiper blades, and shock absorbers.
Assurant Extended Warranty Customer Reviews
We read many of Assurant’s customer reviews online and found them to be mixed. We selected the following sample reviews from Yelp and Trustpilot reviews of The Warranty Group, an Assurant-acquired company that covers auto warranties.
Positive Assurant Extended Warranty Reviews
“Great customer service and fast payout. Thanks!”
– Assurant.com
“The Assurant team made sure that I got what I needed and were very helpful with anything I had to ask.”
– Assurant.com
“The person that assisted me did a great job. Very informative and efficient.”
– Trustpilot
Assurant Extended Warranty Complaints
“Their customer service was horrible.”
– Shanta, Trustpilot
“Assurant sucks. I was on the phone for an hour for issues that were not resolved. The company claimed that I would receive an email that never came, and I had to call them again.”
– Tmara, Trustpilot
“This is my first absolutely terrible claim, but over the past few years, they’ve been getting worse and worse. And now increasing their costs? Just absurd if you ask me.”
– Dustin, Trustpilot
Assurant Extended Warranty Cost
Extended car warranty cost with any provider depends on the coverage level you choose, the type of vehicle you want to cover, and other variables. We reached out to Assurant for quotes at several coverage levels to give you a better idea of what you might pay for a vehicle protection plan from the company. These quotes are for two vehicle models: a 2017 Honda CR-V with 45,000 miles and a 2017 Chevrolet Silverado with 50,000 miles.
| Vehicle Model | Assurant Coverage Level | Term Length | Monthly Payment | Total Cost |
|---|---|---|---|---|
| Honda CR-V | Platinum | 5 years/60,000 miles | $155 for 24 months | $3,720 |
| Chevrolet Silverado | Platinum | 5 years/60,000 miles | $166 for 24 months | $3,984 |
| Honda CR-V | Gold | 5 years/60,000 miles | $150 for 24 months | $3,600 |
| Honda CR-V | Silver | 5 years/60,000 miles | $150 for 24 months | $3,600 |
| Honda CR-V | Powertrain | 5 years/60,000 miles | $130 for 24 months | $3,120 |
| Honda CR-V | Engine | 5 years/60,000 miles | $120 for 24 months | $2,880 |
Our Extended Warranty Customer Survey
In March 2022, our team surveyed 1,000 extended car warranty owners. Half of the respondents reported paying between $1,500 and $3,000 for their plans. Just over half of those surveyed (52%) said coverage was the most important factor when choosing an extended warranty. Only about 19% said cost was their primary concern when buying a vehicle protection plan.
When it comes to how respondents felt about their warranty plans, 65% of those surveyed were satisfied. Just over 41% reported that they were satisfied and that their plans had already covered repairs.
Assurant Extended Warranty Reviews: Conclusion
Due to our negative customer service experience and lack of specific service contract information from Assurant, our review team is hesitant to recommend an Assurant extended warranty to our readers.
Car Warranty Providers We Recommend
We suggest that you compare quotes from multiple reputable extended car warranty companies. The following providers are ideal places to begin your search:
Endurance: 4.6 Stars
We give Endurance our Best Coverage award due to the variety and quality of vehicle protection plans it offers. There are six levels of warranty coverage to choose from with Endurance, with terms lasting up to eight years and over 200,000 miles. Along with perks like towing assistance and rental car reimbursement, you also get a free year of Endurance Elite benefits with every warranty. That includes things like key fob replacement, tire repair, and a personal concierge service to make the claims process even easier.
Learn more in our full Endurance warranty review.
CarShield: 4.5 Stars
Like Endurance, CarShield offers six levels of warranty coverage. The company actually goes a bit further than Endurance when it comes to term lengths, with plans that last up to 10 years or 300,000 miles. That makes CarShield a great option for a used car warranty.
CarShield isn’t always the cheapest option, but it makes up for that with flexible contract terms. That’s why it receives our Best Monthly Payments award.
Read more in our full CarShield review.
Assurant Extended Warranty Reviews: FAQ
Below are some common frequently asked questions about Assurant extended warranties: