What is the Lowes Protection Plan?- How does it work?

The Lowes Protection Plan was created to provide additional coverage for appliances and lawn equipment that are purchased at Lowes, so you can enjoy your purchases without having to worry about the quality or durability of your new items. Let’s know What is the Lowes Protection Plan?

What is the Lowes Protection Plan?

Does the Lowes Protection Plan cover? 

And how much does it cost? 

We’ll answer these questions and more in this article!

  • The Lowes Protection Plan provides coverage for your home improvement project from start to finish by covering damage caused by faulty materials or installation errors. 
  • You can purchase the plan from Lowe’s during your initial project planning, or any time within 12 months of the completion date. 
  • Most importantly, you can choose to purchase the Lowes Protection Plan at any point during your project, ensuring that you’re covered if something goes wrong even after you’ve already started working on your project.

Types of plans offered by Lowe’s

It’s important to understand that Lowe’s offers two types of protection plans: service contracts, which are an extended warranty for large appliances, and product care plans, which cover all other home improvement items. 

  • Service contracts are not covered under a product care plan; each requires its separate purchase. 
  • With a service contract, you pay Lowe’s for at least two years of repairs for your appliance should anything break down during that time. 
  • The appliance must also be purchased from Lowe’s within 30 days of signing up for a plan. Plans start as low as $10 per month for certain items. 
  • Product care plans provide coverage from 90 days up to five years (most commonly one or three). 
  • You’ll also need to sign up in person with a sales associate, who will determine your eligibility based on what you’re looking to protect, who owns the item, and where it was purchased. 
  • One thing I like about these options is that there are no limits on what can be repaired or replaced by either type of plan.

Cost of Plans

The cost of a Lowes Protection Plan varies according to what you purchase, but home appliance plans start at $39. 

  • You can also add on coverage for items like heating and cooling systems or plumbing components. 
  • Plans are added per item, so if you have a five-year plan covering your washer, dryer, refrigerator, stove, and oven—you’ll pay one fee per item each year. Check out a full list of covered items here. 
  • The protection plan is an additional charge when purchasing goods or services at Lowe’s.
  • Buyers do not need to take out insurance to complete their purchase; however, they are required to agree that any damage that may occur during use (normal wear and tear) will be resolved with their funds in case their product fails early on.

Eligibility to be covered by the plan

The plan covers only new merchandise, including special orders that are in stock at Lowe’s. The plan doesn’t cover used or refurbished items or floor models. 

If you aren’t sure whether an item qualifies, ask a store associate before purchasing. You can also call Lowe’s toll-free at 1-800-445-6937 to confirm coverage on special orders. As of 2021, all states require some sort of protection plan for electronics such as computers and televisions; your state may also require a different manufacturer’s warranty. 

  • Make sure your state protects you if anything goes wrong with your appliance or TV since Lowe’s won’t provide service for items that don’t qualify under its protection plan. In other words, be aware of what your state requires when purchasing a protection plan from Lowe’s.

How to report an issue with a Lowe’s product you bought through them?

Before you do anything, check to see if your issue may be under warranty by Lowe’s. If you purchased something that has a manufacturer’s warranty, contact them directly instead of Lowes as they will be responsible for helping you with your issue. 

If not, then start here. Before contacting customer service, try calling your local store to see if they have any advice on where to go from there or know who else would be helpful.

  • Customer Service: Find your local Lowe’s store phone number on their site and give them a call first to discuss your situation; unfortunately I don’t know exactly what Lowe’s policy is in regards to protection plans but talking with someone directly could help get an idea of whether or not they’d be able to help you further.
  • Other things you should know about these plans
  • The Lowes protection plan offers a replacement on everything, no matter what. This includes damage done to your product as well as normal wear and tear issues with appliances or electronic products. 
  • To take advantage of a protection plan, you will need to buy an extra extended warranty at the time of purchase, if you do not already have one that came with your product when you bought it (an example would be buying an appliance).  

A few things are not covered under any type of protection plan: 

  • Problems that result from normal wear and tear, neglect, or abuse by purchaser/user. 
  • Prolonged exposure to moisture or liquid contact. 
  • Dents, scratches, and discoloration from installation, painting & wallpapering. 
  • Electrical surges and electrical failures may occur over time due to environmental conditions such as extreme heat or cold (heating & air conditioning systems), dampness, excessive dust and dirt in air vents, etc… 
  • Units used for commercial purposes – such as shop rentals – even if specifically recommended for commercial use by Lowe’s staff! 
  • Installation labor costs after delivery of merchandise into a position where installed; all units must be installed according to instructions in the installation manual including basic plumbing connections up to 8 ft high and 10 ft wide walls plus ceiling mounts up to 15 ft high. 
  • Damage caused by unreasonable or unauthorized repair attempts. 
  • Damage caused by defective installation, wiring, parts, or equipment not supplied by Lowe’s Companies Inc., excluding low voltage lighting fixtures. 
  • Damage caused by items mounted onto the item being purchased and/or installed without professional assistance unless otherwise stated in the How to Use booklet provided with the unit including but not limited to TV sets, VCRs, and computer monitors; decorative items requiring professional assembly. 
  • Cosmetic damage only involves some parts of a large item but does not affect its operation e.g., small scratch on the tabletop; nick on the drawer front, small scratch in ceramic tile flooring.
What is the Lowes Protection Plan?- How does it work?

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