What is a Master Protection Agreement?

If you've already made the wise decision to purchase a Master Protection Agreement, you probably know most of the benefits you get with it. If you have never purchased them, or have never heard of them, you owe it to yourself to learn about this industry-leading service provided exclusively by Sears.

Doesn't it have a warranty?

Every major appliance comes with a manufacturer's warranty. This is a promise from the manufacturer to you that if the product you purchased has defects based on their materials or workmanship (i.e., if they did anything wrong), they will assume the costs related to repairing your product.

Unfortunately, a warranty from the manufacturer has a few weaknesses, namely that it:
  • won't go beyond 1 year (in almost every case)
  • won't cover cosmetic defects
  • won't cover normal wear and tear
  • won't cover maintenance of your appliance
  • won't cover power surge damage
  • won't cover rental if repairs take excessively long
  • won't have unlimited no-charge technical support
  • won't have convenient repair scheduling call centers
  • won't cover food loss (for refrigerators and freezers)
  • won't cover installation of an in-warranty replacement
  • won't cover issues that arise with in-warranty replacement items
  • won't rely upon America's largest and most trusted repair organization
Fortunately, Sears has the solution: Master Protection Agreement.

Master Protection Agreement
With a Master Protection Agreement, your appliance is covered 100% if your appliance has any issues due to defects in manufacture or normal wear and tear for up to 5 years (renewable). You will also have up to 3 years of cosmetic defect protection.
You also have no-charge annual preventive maintenance checks with your Master Protection Agreement. Every year, at your convenience, you can have a Sears technician come to your home and inspect your appliance for (and repair) defects, malfunctions, and potential problems, and give it a tune-up. Or, if the appliance is small, like a vacuum cleaner or microwave oven, you can take it to the nearest Sears repair drop-off. Annual check-ups keep your appliance running as intended by the manufacturer and help keep unnoticed problems from developing into big problems.
A Master Protection Agreement also protects you from unforeseen costs related to appliance repairs, such as renting a replacement during the repair period (or visits to the laundromat for washer repairs), and the loss of food that can occur if a refrigerator or freezer experiences a failure. Sears will reimburse rental/laundromat costs upon presentation of a receipt for those services, and will reimburse up to $250 per year in food loss due to food storage failures upon presentation of a list of lost food (pictures of lost food also help). Simply call 800 4 MY HOME and ask the representative how to exercise this feature of the Protection Agreement.
And, in our area, where power surges, spikes, and brown-outs are all too common, many appliances are damaged by electrical fluctuations. While a surge suppressor is an important part of protecting your appliances, they are only effective once, and must be regularly inspected. Unfortunately, outlets for large appliances are often hard to see, and the surge suppressor would be hidden from view. A Master Protection Agreement will cover any and all damages due to power surges/spikes/brown-outs (the electric company and manufacturer will not cover such damages, and Sears cannot cover them without a Master Protection Agreement).
As for convenience, our call centers are open 24 hours a day, 7 days a week. There is always somebody there to take your call. And, the service department is open early in the morning and late at night, so you don't have to worry about calling at 9pm and not reaching someone.
Plus, if you had Sears install an appliance covered by a Master Protection Agreement, Sears will install necessary replacement models at no charge to you. You won't have to pay an electrician, plumber, or both to install the new model replacing the unrepairable one. We take care of it, and guarantee the installation for a year. And, the coverage continues onto the new model. You don't need to purchase a new Master Protection Agreement.
Finally, you have the peace of mind that comes from knowing your appliance has the nation's largest and most reputable and trusted maintenance and repair organization standing behind it. Sears continues to be the industry leader in service after the sale, and with over 100,000 professional technicians in our fleet, you can be assured that when the Sears van pulls up and the Sears technician comes in, you are getting service that is second to none. And, if you are not satisfied for any reason, let your local Sears know, and we'll do everything we can to make sure you are taken care of properly.
When you consider the time, effort, and money you've invested in selecting the perfect appliance(s) for your home (or tenants), don't you deserve the comfort and convenience that a Master Protection Agreement provides for just pennies a day?


  1. We bought a refrigerator from Sears in January along with a Master Protection Agreement. The refrigerator has never cooled properly despite numerous service visits. Finally Sears has agreed the unit is a lemon and merits replacement. However, this model is no longer available. Rather than offering us a comparable model as indicated in the Protection Agreement, Sears says they will handle this as an "in-warranty replacement" which means we only receive credit for the amount paid for this model. We purchased it as a floor model so we cannot hope to get a comparable model based on this credit. If Sears is handling this under the manufacturer's warranty, why did we pay hundreds of dollars for the Master Protection Agreement? No one told us the terms of the MPA would not be valid for the first year! Is this legal??

  2. Hello there!

    First, I'm sorry your refrigerator has given up the ghost. Obviously, it's not normal, but on rare occasion it can happen.

    I can't really comment on legality or whether it's being handled properly, but what I'd recommend is to go to mysears.com and join the MySears community. When you get in, send me a private message (I'm BlueCrewGuyInMA), and I'll pass your information along to one of the moderators who may be able to help you further.

    Good luck, and I hope to hear from you soon!

  3. I bought a Cabrio 5600 at Best Buy yesterday; it's being delivered Tuesday Nov. 1 '11. I am nervous, now, reading reviews of this and wonder if the Best Buy extended warranty is good, like you recommend the Sears Protection Plan. My front loader door and latch just broke (large family with a couple of hyper kids) and I'm nervous the latch on my Cabrio might break, and other things. I have no income so an extended warranty might be better than the repairs I worry I might need to make.

  4. Hello!

    First, let me alleviate some of your worry. The latches on HE top-loaders aren't subject to the same kind of stresses as those on a front-loader, so that part is extremely unlikely to have any issues.

    As for the service plan at Best Buy, it's ok. It's as close to the Sears plan as you can get, but it does still have some limitations. Their service ends when they've reached the purchase price or replaced the product, while Sears has unlimited service and the plan continues onto the replacement product.

    I'm not going to say it's bad, because it's not. It's as close to the gold standard as anyone else has come so far. And, certainly anything is better than nothing. Make sure to read it carefully.

    Good luck, and enjoy your new washing machine!

  5. Randy, I feel elated that you wrote me back! Next time I will slow down and do more research. I'm keeping your site bookmarked so I can refer back and recommend you to friends. Not only are you smart about appliances, but you are kind, and a great writer. Now, I'm clicking on your Sears link to get some HE detergent--another great article! (I just called Sears, by the way, a showroom in Norwalk, CT, and the warranty wasn't very good. I didn't press the woman about the type of warranty you mention; maybe she doesn't know about it? anyway,) you have helped my mind be at ease... that means a lot.


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