Warranties on your appliances are offered by the product’s manufacturer, rather than an insurance company. It works as a guarantee that the appliance you’ve bought is free of any defects that prevent it from working. They usually last a year, and while you can usually get them extended up to five years – known as an extended warranty – these work slightly differently to the original warranty period. During the extended period you’ll be entitled to repairs should your appliance become defective – this means the costs of parts, and usually labour and call out charges too, are covered. However, warranties are product-specific – meaning each warranty only applies to the appliance it came with. A home appliance insurance policy isn’t generally limited to one item, so you can use it to cover a range of appliances in your home.