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Assurant Extended Warranty

Looking for information about Assurant extended warranty coverage? Read our in-depth review of the company, including details on services and customer reviews.

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04/20/2024 12:00 AM

The Gist:

  • Assurant has an A+ rating with the Better Business Bureau (BBB) and offers five extended vehicle service contracts to help pay for car repairs.
  • We rate Assurant’s extended warranty 4.2 out of 5.0 stars as it has a range of extended warranty plans available but mixed customer reviews.
  • All Assurant extended warranty plans can be transferred or canceled and come with perks like roadside assistance.
Endurance
4.5
Reputation: 4.5/5.0
Coverage: 5.0/5.0
Price: 4.5/5.0
Customer Experience: 4.5/5.0
idée Endurance is our first choice for extended warranties
  • Best Plan Offerings
  • Mileage Covered: 200,000 miles on the odometer
  • Free Cancellation: Full refund within 30 days
  • Plan Options: 6 different plans to choose from
  • Longest Plan Term: Up to 8 years
  • Discounts: $300 same-day signup discount, $250 shopping voucher, and others
Plan coverage includes Endurance Elite perks™
Exclusionary plan One-year membership for free
Powertrain plan Tire repair and replacement
Maintenance coverage with Endurance Advantage Key fob replacement
Roadside assistance Total loss protection
Towing Collision discount
Rental car $250 rewards voucher
Trip interruption coverage Endurance Protect app
Pros Five levels of coverage Additional plan benefits
Cons Poor customer service record Only available at dealerships

Assurant extended warranty contracts are sold by dealerships and financial institutions to protect your car after the manufacturer’s warranty expires. While Assurant has been in business for over 100 years and has been providing warranty contracts since 2004, 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 car warranty providers in the nation.

Assurant Reviews

We give Assurant a 4.2 out of 5.0-star rating. While Assurant has solid protection plans available, its reputation and customer experience are concerning, especially the reviews of how it handles its policies. We recommend reaching out to other reputable extended car warranty providers for quotes.

Assurant BBB

On review websites, Assurant customers provide comments on 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 an average customer review score of 4.65 out of 5.0. Assurant has responded to about 1,300 customer complaints made through the BBB in the last year.

Customer complaints discuss the company’s poor customer service, slow claims process, and failure to issue 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

Assurant Complaints

“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

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 Solutions

Through Assurant Solutions, the company also administers warranties by other companies, 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 available online. To receive a quote for an Assurant extended warranty, reach out to participating dealerships.


How Much Does An Assurant Extended Warranty Cost?

The cost of Assurant vehicle service contracts will vary and quotes aren’t readily available as coverage must be purchased through a dealership. However, some key factors affect the overall costs of Assurant’s vehicle protection plans, including:

  • Coverage level: Exclusionary plans that mimic factory warranties are pricier than plans that only cover essential engine and transmission components.
  • Deductible: A lower deductible–the part of a repair bill you pay–means higher monthly warranty plan payments and vice versa.
  • Vehicle type: The make, model, and age of your vehicle determine how likely your car is to need repairs and how expensive those repairs might be.
  • Vehicle mileage: Some warranty providers have higher mileage limits than others and it usually costs more to buy coverage for an older vehicle.

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 if you sell your car and can be canceled. Plan benefits include:

  • Emergency roadside assistance
  • Rental car reimbursement
  • Travelexpense 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?

You can contact Assurant directly to find a participating dealership close to you. The cost of an Assurant extended warranty can be included in a vehicle lease or new car financing.

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.

According to Assurant, its most comprehensive coverage is under its Platinum plan, which includes engine and powertrain components as well as electrical systems and other parts associated with steering and suspension. The Engine and Powertrain plans offer narrower coverage but protect your vehicle’s most essential systems.


Assurant Warranty: Our Take

We rate Assurant’s extended warranty 4.2 out of 5.0 stars because of the company’s above average protection plans. Still, there’s limited information about coverage online and drivers can only buy these plans at participating dealers.

Before you make an decision on an Assurant extended warranty, you should get quotes from multiple third-party providers to compare your options.

Assurant Competitors: Top Picks

We recommend reaching out to Endurance and Carchex for warranty plan cost estimates.

Endurance: Best Plan Offerings

Endurance ranked highest in our review of the best extended car warranty companies. The provider is unique in the industry as it creates and backs its own warranty plans instead of using a third-party administrator. Endurance offers six levels of warranty coverage that can last up to 200,000 miles. It also provides perks, including roadside assistance and tire repair/replacement, under Elite Benefits, which every customer gets free for one year.

In our review, Endurance was awarded 4.5 stars out of 5.0. Plans are sold in 49 states in the U.S.

Read more: Endurance warranty reviews

Carchex: High Mileage Limits

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

Carchex received an overall score from our research team of 4.4 out of 5.0 stars. Founded in 1999, the company provides coverage to drivers in 50 states. 

Read more: Carchex warranty reviews


Assurant Extended Warranty: FAQs

Is Assurant’s extended warranty worth it?

Assurant offers multiple extended warranty options for drivers. However, even with accreditation from the BBB, 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 quotes from other providers before you decide on an Assurant extended warranty.

Is Assurant a good warranty company?

Assurant holds an A+ rating from the BBB with an average rating of 4.67 out of 5.0 stars from customers. The company has closed over 2,700 complaints from customers within the past three years. 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 warranty companies, we named Endurance, autopom!, Carchex, and Omega Auto Care as the top providers in the industry. The best extended warranty for you will 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:

  • 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.
  • 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.
  • 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.
  • 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

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