Assurant extended warranty contracts are provided by dealerships and financial institutions to protect your car after the manufacturer’s warranty expires. While the third-party provider has been in business for over 100 years and provides a variety of plans, you should always take the time to learn the ins and outs of a company before making any decisions.

This article will look at Assurant’s extended warranty coverage and what customers have to say about the company. Read on to see how Assurant stacks up against some of the best extended auto warranty providers in the nation.

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In This Review:

    About Assurant

    Assurant began as the LaCrosse Mutual Aid Association, which sold disability insurance, in 1892. Over several decades, Assurant has grown and expanded into new markets, acquiring several companies, including The Warranty Group, a warranty and insurance company covering automobiles, mobile devices, and electronics.

    Assurant also administers warranties to other companies as Assurant Solutions, including the United Services Automobile Association (USAA). Assurant’s extended warranty plans are only available through dealerships, which is why there isn’t much information about them posted online. If you would like to receive a quote for an Assurant extended warranty, you should reach out to participating dealerships directly.

    Assurant Pros

    Assurant Cons

    Five levels of coverage

    Poor customer service record

    Additional plan benefits

    Only available at dealerships

    How Much Does An Assurant Extended Warranty Cost?

    Assurant does not post cost information for its vehicle service contracts online since coverage must be purchased through a dealership. However, some factors affect the overall costs of Assurant’s vehicle protection plans, including:

    • Location
    • Coverage level
    • Deductible option
    • Vehicle make, model, age, and mileage

    Assurant Extended Car Warranty Coverage

    Assurant offers five extended service contracts to drivers with various mileage eligibility limits. In-depth information about the plans is not readily available on the company’s website. However, we were able to find a general overview of coverage options:

    • Platinum: Available for vehicles with 150,000 miles or less
    • Gold: Available for vehicles with 180,000 miles or less
    • Silver: Available for vehicles with 200,000 miles or less
    • Powertrain: Available for vehicles with 150,000 miles or less
    • Engine: Available for vehicles with 150,000 miles or less

    All plans are transferable and can be canceled. Plan benefits include:

    • Emergency roadside assistance
    • Rental reimbursement
    • Travel-expense reimbursement (not available in New York)

    Assurant extended warranty coverage excludes cosmetic damage, normal wear and tear, and damage from a lack of maintenance. Its service plans also don’t cover routine maintenance such as oil changes or tire rotations. This is common in the extended warranty industry.

    How Does An Assurant Extended Warranty Work?

    To get an Assurant extended warranty, you’ll have to reach out to a participating dealership to get a quote. You can contact Assurant directly to find the location closest to you.

    If you have an Assurant extended warranty and your vehicle experiences an unexpected mechanical breakdown, you can take it to a licensed repair facility in the U.S. or Canada. The repair service department will reach out to Assurant directly once the problem is diagnosed. Assurant will need to authorize any repairs before work can be done. If the repairs are covered under your extended car warranty, all you will need to do is pay your deductible.

    Assurant Reviews

    Reviews of Assurant discuss all of the company’s services, such as phone insurance and third-party extended car warranties. The company holds an A+ rating from the Better Business Bureau (BBB) with a 1.37-star rating out of 5.0 from reviewers. Assurant has responded to over 575 customer complaints made through the BBB in the last year alone.

    We did not find any positive customer reviews on the BBB’s website concerning an Assurant extended warranty. Customer complaints discuss the company’s poor customer service, slow claims processing, and failure to follow through on honoring contract obligations and issuing claims payments.

    Below, we’ve presented reviews to provide a bigger picture of Assurant’s customer service experience.

    Positive Assurant Reviews

    A well-thought-out process that allows a smooth and efficient transaction. Thank you for a good experience.”

    – Frank via Trustpilot

    “Timely processing and approval of all claims. Great job, guys.”

    – Frederick via Trustpilot

    Negative Assurant Reviews

    “Taking 12 weeks to get my claim money back still no check.”

    – Christina11 via BBB

    “No stars for me. They did not want to cover my vehicle unless I took it to the dealership I bought it from. No more business from me.”

    – Baudelio M. via BBB

    Bottom Line On Assurant: 3.0 Stars

    We give Assurant a 3.0 out of 5.0-star rating. While Assurant has solid protection plans available, its reputation and customer experience are concerning, especially the claims of how it handles its policies. We recommend reaching out to other reputable extended car warranty providers for quotes.

    Overall Star Rating

    3.0

    Reputation

    3.0

    Coverage

    4.0

    Price

    See dealership

    Customer Experience

    2.0

    Top Recommendations For Extended Car Warranties

    Before you make any decisions on an Assurant extended warranty, you should get quotes from multiple third-party providers to compare your options. We recommend reaching out to Endurance and CARCHEX for warranty estimates.

    Endurance: 4.6 Stars

    Endurance ranked No. 1 in our review of the best extended car warranty companies. The direct auto warranty provider is unique in the industry as it creates and backs its warranty plans. Endurance offers six levels of warranty coverage that can last up to 200,000 miles. It also provides perks through offering one year free of Elite Benefits, including roadside assistance, tire repair/replacement, and more.

    Endurance holds a 4.4-star rating on Trustpilot with over 3,300 reviews. Customers frequently discuss the company’s excellent customer service and a wide variety of warranty protection coverage.

    CARCHEX: 4.3 Stars

    In our review of the best extended auto warranty companies, we recognized CARCHEX as the Best for Used Cars since it can cover cars with up to 250,000 miles. The third-party warranty provider offers five plan types, including bumper-to-bumper and powertrain coverage.

    CARCHEX has a 3.2 out of 5.0 rating on Trustpilot, backed by over 1,400 reviews. It also has fewer complaints than other third-party providers we’ve reviewed.

    Frequently Asked Questions

    • Is Assurant’s extended warranty worth it?

      Assurant offers multiple extended warranty options for drivers. However, the company has poor customer service ratings and a history of denying claims according to consumers. Based on these factors, we think it’s worth comparing other providers with an Assurant extended warranty.

    • Is Assurant a good warranty company?

      Assurant holds an A+ rating from the BBB with only 1.37 out of 5 stars from customers. The company has closed over 575 complaints from customers within the past year alone. However, note that a certain number of customer complaints is to be expected as Assurant is a large company offering various services.

    • Who has the best extended car warranty?

      In our review of the best extended car warranties, we named Endurance, CARCHEX, CarShield, Protect My Car, and autopom! as the top providers in the industry. The best extended warranty for you is going to depend on your unique needs.

    How We Rate Warranty Providers

    Our review process aims to deliver consistent and unbiased assessments of extended auto warranty providers. While there are multiple qualities that make a warranty company successful, our review team focuses on those we believe are the most important for consumers:

    • Cost: Cost can be difficult to compare between providers because so many factors impact vehicle service contract pricing. To determine our cost score, we perform a secret shopper analysis for a variety of vehicles and plans and consider available deductibles.
    • Coverage: Our team of experts looks at the number of extended warranty plans available, as well as term limits, exclusions, and added benefits like roadside assistance. Ratings also take into account the availability of maintenance coverage.
    • Reputation: It’s important that an extended car warranty company is able to meet its claims obligations. Companies with a strong rating from the Better Business Bureau (BBB) score well in this category. Established providers with a long history of reliable service also receive positive marks.
    • Customer Experience: We listen to real customer sales calls and comb through reviews on sites like the BBB to learn about customer experiences. Warranty companies with a low volume of complaints score well in this area. We also consider the availability of mobile apps and chat features.

    *Data accurate at time of publication.