Finding a side-by-side refrigerator with a built-in ice dispenser for under $1,000 might sound like searching for a unicorn in the appliance world. For years, manufacturers have positioned this convenient configuration as a premium feature reserved for high-end models. But the landscape has shifted dramatically, and savvy shoppers can now score this kitchen upgrade without the luxury price tag. Whether you’re renovating on a budget, replacing a broken unit, or simply want that effortless access to chilled water and ice, understanding what to look for—and what to compromise on—can save you hundreds while delivering the functionality you crave.
The key to landing a quality budget-friendly side-by-side lies in knowing which features genuinely matter for your household and which are just expensive fluff. This comprehensive guide walks you through everything from decoding energy labels to measuring your space like a pro, ensuring you make an informed decision that keeps both your food and your wallet happy. Let’s dive into the essential knowledge that separates the smart buys from the costly mistakes.
Top 10 Budget-Friendly Side-by-Side Refrigerators with Ice Dispensers
Detailed Product Reviews
1. Kenmore 36" Side-by-Side Refrigerator with Freezer - Accela Chill, Water & Ice Dispenser, Adjustable Glass Shelves, ENERGY STAR Certified, 20 cu. ft. Capacity - Fingerprint Resistant Stainless Steel
Overview: The Kenmore 36-inch side-by-side refrigerator delivers premium functionality in a counter-depth design that seamlessly integrates into modern kitchens. With 20 cubic feet of capacity, it strikes an impressive balance between space efficiency and family-friendly storage. The fingerprint-resistant stainless steel finish maintains a clean, sophisticated appearance even in busy households.
What Makes It Stand Out: The Accela Chill feature rapidly cools groceries to preserve freshness, while the multi-flow air system ensures consistent temperatures throughout. The external water and ice dispenser provides both cubed and crushed ice with filtered water, eliminating the need for separate filtration systems. Edge-to-edge adjustable glass shelves offer superior spill protection and flexible configuration options for oversized items.
Value for Money: At $1,593.89, this Kenmore model competes favorably with premium brands offering similar features. The ENERGY STAR certification promises long-term utility savings, while the integrated ice maker and water filtration system eliminate additional appliance purchases. Counter-depth models typically command premium pricing, making this a reasonable investment for style-conscious buyers.
Strengths and Weaknesses: Pros: Space-saving counter-depth design; convenient external dispenser; rapid cooling technology; energy-efficient operation; fingerprint-resistant finish; flexible shelving system. Cons: 20 cu ft may be limiting for larger families; side-by-side configuration restricts wide item storage; higher price point than standard-depth models; ice makers can be maintenance-intensive.
Bottom Line: This refrigerator excels for urban dwellers and design-focused homeowners prioritizing kitchen aesthetics and convenience features. The water/ice dispenser and rapid cooling justify the premium, though bulk shoppers should consider capacity limitations. A solid choice for mid-sized households seeking integrated luxury.
2. Winia WRFS26ABBD French Door Non-Dispenser Refrigerator, 26.1 Cu.Ft, Black
Overview: The Winia WRFS26ABBD offers substantial 26.1 cubic feet capacity in a sleek French door configuration, prioritizing raw storage space over dispenser convenience. The black finish provides a bold, contemporary aesthetic while the factory-installed ice maker ensures you never run out of ice. This model targets practical buyers who value interior organization over external features.
What Makes It Stand Out: The full-width Gourmet Pantry Drawer accommodates large platters and charcuterie boards—perfect for entertainers. The innovative 2-tier freezer drawer system separates frequently accessed items from bulk storage, reducing cold air loss. A dedicated Dairy Shelf maintains optimal temperatures for spreadable items, while the non-dispenser design maximizes interior capacity and reduces potential maintenance issues.
Value for Money: Priced at $1,384.96, this Winia delivers exceptional value with 30% more capacity than similarly priced competitors. The omission of a water dispenser reduces purchase cost and eliminates filter replacement expenses. For families needing maximum storage without premium pricing, this represents smart economics—focusing resources on superior interior layout rather than external gadgets.
Strengths and Weaknesses: Pros: Massive 26.1 cu ft capacity; superior interior organization; full-width pantry drawer; two-tier freezer system; lower maintenance without dispenser; competitive pricing. Cons: No water/ice dispenser requires manual ice access; black finish may not suit all kitchens; fewer premium features; brand recognition lower than major competitors; no advanced cooling technology mentioned.
Bottom Line: Ideal for large families and entertainers prioritizing storage volume and organization over dispenser convenience. The Winia delivers impressive capacity at a mid-range price point, making it a practical choice for budget-conscious buyers who need serious refrigeration space. Skip if you require instant water/ice access.
Why Choose a Side-by-Side Refrigerator with Ice Dispenser?
Space-Saving Design Benefits
Side-by-side refrigerators split your fresh and frozen foods vertically, creating a narrow door swing that works beautifully in tight kitchens. Unlike French door models that require wide clearance, these units let you access either compartment without blocking traffic flow. The through-the-door ice dispenser eliminates the need to open the freezer for ice, reducing cold air loss and helping maintain consistent temperatures. For apartments, galley kitchens, or homes with island constraints, this configuration maximizes every square inch while delivering premium convenience.
The Convenience Factor: Ice and Water on Demand
There’s something undeniably satisfying about pressing a lever and hearing ice clink into your glass. Beyond the wow factor, in-door dispensers encourage better hydration habits and make entertaining effortless. No more fumbling with ice cube trays or dealing with spilled water from pitchers. For families, the accessibility means kids can help themselves without leaving freezer doors ajar. The best budget models deliver this luxury without requiring a second mortgage, proving that convenience doesn’t have to come at a premium.
Debunking the Price Myth: Quality Under $1,000
What “Budget-Friendly” Really Means in 2024
The sub-$1,000 category has exploded with options that would have cost 50% more just five years ago. Improved manufacturing processes and increased competition have democratized features once considered upscale. Today’s budget side-by-sides typically range from $700 to $999, with solid construction and reliable ice-making capabilities. You’ll find capacities between 20-25 cubic feet, stainless steel finishes (or convincing look-alikes), and energy ratings that won’t spike your electric bill. The secret is that manufacturers now offer streamlined versions of their popular models, removing niche features while preserving core functionality.
Understanding Price vs. Value
A $950 refrigerator that lasts 12 years delivers better value than a $600 unit that fails in four. When shopping under $1,000, focus on total cost of ownership rather than just the sticker price. Check the energy guide label—an efficient model might cost $80 more upfront but save $150 over its lifetime. Warranty length often indicates manufacturer confidence; a one-year full warranty plus five years on the sealed system suggests durability. Read between the lines of user reviews, looking for patterns in longevity rather than isolated complaints. The cheapest option rarely offers the best value, but the sweet spot often hides just above the bottom price tier.
Key Features to Prioritize in Your Search
Ice Maker Types: Crushed, Cubed, or Both?
Budget models typically offer cubed ice as standard, with crushed ice appearing in select units near the $900 mark. The mechanism matters: traditional metal ice makers are generally more repairable than newer plastic modular units. Some dispensers feature a “quick ice” option that accelerates production for parties—handy but not essential. Consider your household’s habits. If you’re a smoothie fanatic, crushed ice might be worth the upgrade. For most families, reliable cubed ice production meets daily needs perfectly. Check production rates, typically listed as pounds per day; 3-4 lbs covers average use, while 5+ lbs supports heavy entertainers.
Water Filtration Systems Explained
That fresh-tasting water comes from a filter you’ll replace every six months. Budget-friendly models use standard twist-in filters costing $30-$50 each. Some units accommodate generic filters, slashing costs to under $15. Look for NSF/ANSI certification, which guarantees contaminant reduction. The filter location matters—interior mounts are cheaper but require removing items to access, while base-grille locations offer tool-free changes. Pro tip: set a calendar reminder for filter changes; clogged filters strain the water valve and ice maker, leading to premature failure. Some savvy owners buy in bulk during sales, reducing annual filter costs significantly.
Capacity Considerations: Cubic Feet That Count
Manufacturers measure total capacity, but usable space tells the real story. Side-by-sides typically allocate 60-65% to refrigeration and 35-40% to freezer space. For a family of four, aim for at least 14-15 cubic feet of fresh food space. Check shelf adjustability—can you fit tall items like wine bottles or party platters? Budget models often have fewer door bins, so prioritize those with gallon-size door storage to maximize vertical space. Remember, ice makers consume 1-2 cubic feet of freezer space; factor this into your calculations. A 22 cubic foot model might offer similar usable space to a 20 cubic foot unit with a more efficient ice maker design.
Energy Efficiency Ratings and Your Electric Bill
That yellow EnergyGuide sticker reveals more than the estimated annual cost. Look for ENERGY STAR certification, which requires being at least 10% more efficient than federal minimums. In the sub-$1,000 category, you’ll find models costing $60-$90 yearly to operate. The kWh-per-year number allows true comparison—lower is always better. Some budget units feature eco modes that reduce compressor cycles during low-use periods. While inverter compressors are rare at this price, traditional compressors with improved insulation deliver surprising efficiency. Consider your climate: hot garages or kitchens will push any unit harder, making efficiency even more critical.
Noise Levels: What to Expect
Budget doesn’t have to mean noisy. Modern compressors and fan designs have quieted even entry-level models to 40-45 decibels—about the level of library conversation. Ice dropping into the bin creates a brief 50-55 decibel clatter, typically lasting seconds. Look for descriptions like “quiet operation” or “low-noise compressor” in specifications. User reviews often mention noise, so search for “quiet” or “noisy” within comments. Placement matters: units tucked into tight alcoves or against uninsulated walls sound louder. If your kitchen opens to living spaces, prioritize noise ratings. Some manufacturers publish decibel levels; if not, assume 45+ dB and read reviews carefully.
Understanding Refrigerator Dimensions and Fit
Measuring Your Space Correctly
Grab your tape measure and notebook—this step prevents costly returns. Measure width at three heights: floor, counter level, and top of the space. Use the narrowest measurement, then subtract ½ inch for clearance. For height, measure from floor to cabinet bottom, accounting for any molding. Depth requires deciding on counter-depth (24-25 inches, flush with counters) or standard (30-34 inches, protruding). Don’t forget the door hinge side—add 1-2 inches for handle clearance when open. Bring these measurements shopping, and always check the manufacturer’s spec sheet for exact dimensions, not the rounded numbers on display tags.
Door Swing and Clearance Requirements
Side-by-side doors are narrower than single-door models but still need room to breathe. The dispenser side typically requires 90-110 degrees of swing for easy filter access. Check if your space allows doors to open fully—restricted swing limits shelf access and makes cleaning difficult. Some budget models feature reversible doors, offering flexibility if you move or rearrange. Handle depth adds 2-3 inches beyond the door surface; factor this into aisle clearance. For kitchen islands, ensure at least 36 inches between island edge and refrigerator front for comfortable passage with doors open.
Counter-Depth vs. Standard Depth
True counter-depth side-by-sides under $1,000 are rare unicorns—most “counter-depth” models in this price range are actually “cabinet-depth,” protruding 2-3 inches. Standard depth units offer more capacity per dollar but stick out 6+ inches past countertops. The aesthetic difference is noticeable; flush-fit looks built-in and high-end. However, that premium look costs capacity and often dollars. In budget shopping, standard depth delivers better value, giving you 2-4 extra cubic feet for the same price. If the built-in look is non-negotiable, prepare to sacrifice capacity or stretch your budget. Some homeowners embrace the protrusion, adding a custom cabinet panel to the side for a purposeful, integrated appearance.
The Anatomy of a Budget-Friendly Ice Dispenser
How In-Door Ice Makers Work
Understanding the mechanism helps you spot quality. Water enters through a solenoid valve, filling a tray in the freezer door. A thermostat triggers heating coils, loosening cubes. A motor-driven auger then pushes ice through the chute. Budget models typically use a simpler design with fewer moving parts—actually a reliability advantage. The ice bin holds 4-6 pounds, enough for most families’ daily needs. Some units feature “door cooling” that circulates freezer air to the dispenser area, preventing clumping. Ask sales staff to demonstrate dispenser action; smooth, consistent delivery indicates good engineering. Avoid models where ice rattles loudly or jams frequently in the showroom—that’s a red flag.
Common Issues and Prevention Tips
Ice makers top refrigerator complaint lists, but most issues are preventable. Low water pressure (below 20 psi) causes small or hollow cubes—install a pressure gauge on your water line. Hard water minerals clog valves; if you have hard water, consider an inline pre-filter. Temperature fluctuations from frequent door opening melt and refreeze ice, creating clumps. Keep freezer at 0°F consistently. Dispenser chutes can jam from frost buildup—weekly wiping with a dry cloth prevents this. If ice tastes off, change the filter and flush the system with 2-3 gallons of water. The most common failure point is the solenoid valve, a $30 part you can replace yourself with basic tools.
Smart Shopping Strategies for Under $1,000
Best Times to Buy Appliances
Timing your purchase unlocks serious savings. Major holidays—Presidents Day, Memorial Day, July 4th, Labor Day, and Black Friday—bring 20-30% discounts. Retailers clear inventory in late September and October to make room for new models, slashing prices on current-year units. The sweet spot is often two weeks before a holiday sale begins; stores may offer “early bird” pricing to gauge demand. Avoid buying in January when post-holiday inventory is low and prices peak. Set price alerts on major retailer websites; many offer price matching within 30 days. Some experts swear by Wednesday as the best day to shop in-store, when sales staff have time to negotiate and manager approvals are easier to obtain.
Open-Box and Floor Model Opportunities
That scratched floor model could save you $200. Open-box items—returned units with minor cosmetic damage—are sold at 15-40% discounts. Inspect carefully: ensure all shelves, bins, and the ice maker are present and functional. Ask about the return policy; many open-box sales are final. Floor models run continuously but are rarely plugged into water lines, so the compressor gets tested while the ice maker stays pristine. Negotiate additional discounts for visible scratches on non-visible sides. Some retailers offer extended warranties on open-box items, bridging the risk gap. The best deals appear during model year transitions, typically April-May and September-October. Always test every function before accepting delivery.
Warranty Considerations on Budget Models
That one-year warranty isn’t the whole story. Most manufacturers cover the sealed system (compressor, evaporator, condenser) for five years, even on budget units. Some extend this to ten years, signaling exceptional confidence. Read the fine print: labor costs often aren’t covered after year one, turning a “free” repair into a $200 service call. Consider third-party extended warranties only if they cover ice makers and dispensers—many exclude them. The credit card you use may add an extra year of warranty at no cost; check your benefits. Keep all documentation; warranty claims require proof of purchase and sometimes professional installation. Register your appliance online within 30 days—some manufacturers give bonus coverage for registration.
Installation and Setup Essentials
Water Line Requirements
Your ice dispenser needs a water source within 6 feet. Most installations use ¼-inch copper or braided stainless steel lines—avoid plastic, which cracks and leaks. Water pressure must be 20-120 psi; test with a $10 gauge from any hardware store. If pressure is low, a booster pump solves the issue for under $100. The shut-off valve should be easily accessible for maintenance. Many budget units include basic installation kits, but they’re often low quality. Invest $15 in a better saddle valve or T-adapter. If your home has a water softener, tap into the cold line before the softener; softened water can affect ice taste and valve longevity. Local code may require a plumber for installation; check before DIYing.
DIY vs. Professional Installation
Installing a side-by-side is a two-person job—don’t attempt alone. The physical setup is straightforward: level the unit, connect the water line, and plug it in. However, water line connections require care. If you’re comfortable with basic plumbing (soldering copper or tightening compression fittings), DIY saves $150-$300. Watch for kinks in the line behind the unit; they restrict flow and cause ice maker failure. Professional installation guarantees code compliance and often includes a warranty on workmanship. Many retailers offer free installation with purchase during promotions—always ask. If you choose DIY, photograph each step and keep receipts; manufacturer warranties sometimes require professional installation proof. The tipping point: if you need to run a new water line through cabinets or walls, hire a pro.
First-Time Setup and Calibration
Patience during the first 24 hours prevents long-term problems. After installation, discard the first 3-4 batches of ice—manufacturing residues affect taste and clarity. Set refrigerator temperature to 37°F and freezer to 0°F; use an appliance thermometer to verify, as built-in dials can be inaccurate. Fill the unit with food gradually over 2-3 days; overloading stresses the compressor. The ice maker needs 12-24 hours to fill the bin completely—don’t panic if it’s slow initially. Listen for unusual sounds during the first cycle; grinding or loud humming indicates installation issues. Some models require “priming” the water filter with several gallons before ice production begins—check your manual. Take a photo of the settings page; if power goes out, you’ll know your exact preferences.
Maintenance Tips to Maximize Longevity
Cleaning Your Ice Maker and Dispenser
Monthly maintenance keeps ice tasting fresh and mechanisms moving smoothly. Remove the ice bin and wash with warm, soapy water—yes, it’s dishwasher-safe in most models. Wipe the dispenser chute with a dry cloth to prevent frost buildup. Every three months, sanitize with a mixture of 1 tablespoon bleach per gallon of water, rinsing thoroughly. Clean the condenser coils behind or beneath the unit every six months; dust buildup forces the compressor to work harder, shortening lifespan. Use a coil brush (under $10) and vacuum. The water dispenser drip tray harbors bacteria; pop it out weekly and wash with hot water. If ice develops an odor, place an open box of baking soda in the freezer, away from the ice bin.
Filter Replacement Schedules
That “replace every six months” guideline is just a starting point. Households using more than 5 gallons daily should replace every 4 months. If water tastes off or ice production slows, change immediately regardless of schedule. Buy filters in multi-packs during sales—cost drops 30-40%. Some budget models accept generic filters; check online forums for your model number to confirm compatibility. After installing a new filter, run 2-3 gallons through the water dispenser to flush carbon fines and air bubbles. Mark your calendar, but also set a phone reminder—life gets busy. Keep a spare filter on hand; waiting for delivery means weeks of subpar ice. Pro tip: write the installation date on the filter with a permanent marker.
Preventing Frost Buildup
Frost is the enemy of efficiency and ice maker function. Ensure door seals are clean and pliable; wipe weekly with warm water and inspect for cracks. Don’t overload the freezer—air must circulate around items. Keep the freezer at a steady 0°F; frequent temperature swings from door opening cause frost. If you notice frost in the dispenser chute, the flap isn’t sealing properly. Clean it with warm water and check for obstructions. Some budget models lack auto-defrost on the dispenser; manual defrost every 3-4 months prevents major buildup. Leave a 1-inch gap between items and the ice maker housing in the door. If frost persists, check door alignment—hinges can loosen during shipping.
Common Trade-Offs at This Price Point
Finish Options: Stainless Steel Look-Alikes
True stainless steel under $1,000 is rare; most budget “stainless” finishes are actually faux stainless or stainless-look. Faux stainless resists fingerprints better than real steel but can’t be repaired if scratched. Black stainless look is gaining popularity, hiding smudges admirably. White and black finishes remain the most durable and affordable options, often saving $50-$100. Some manufacturers offer “garage-ready” finishes that withstand temperature fluctuations better. Consider your lifestyle: families with young kids might prefer fingerprint-resistant finishes over authentic stainless. The good news? Most guests can’t tell the difference from across the room. If you must have real stainless, watch for holiday sales where last year’s models dip under $1,000.
Feature Sacrifices vs. Core Functionality
At this price, something has to give. You’ll rarely find Wi-Fi connectivity, dual ice makers, or custom-temp drawers. But ask yourself: do you really need your fridge to send phone alerts? Budget models prioritize reliable cooling and consistent ice production over smart features. You might lose a deli drawer or fancy LED lighting, but gain a robust compressor with fewer failure points. Digital controls often revert to basic dial thermostats—less precise but more repairable. Through-the-door ice and water dispensers remain the star feature; everything else is negotiable. The most successful budget shoppers identify their non-negotiables (ice capacity, width) and happily compromise on aesthetics or minor conveniences.
Brand Considerations
Big names dominate the sub-$1,000 space, but each approaches budget models differently. Some brands use the same compressors across their line, meaning you get premium reliability without premium features. Others create dedicated budget lines with simplified designs. Research manufacturer-specific quirks: some excel at ice makers but have noisy compressors; others run whisper-quiet but use proprietary filters. Parts availability matters—a popular brand means affordable, accessible repairs five years down the road. Check online parts stores for your prospective model; plentiful, inexpensive parts indicate long-term support. Don’t dismiss lesser-known brands if they offer longer warranties; it often signals confidence in their product. Read owner forums for real-world reliability data, not just professional reviews.
Making Your Final Decision
Creating a Comparison Checklist
Before hitting stores, build a custom scorecard. List must-haves: width, capacity, ice type, finish. Add nice-to-haves: energy rating, noise level, filter cost. Score each model 1-5 on essentials, then note deal-breakers. Bring a tape measure and smartphone to photograph spec sheets. Test the dispenser: does it feel flimsy or sturdy? Open both doors fully—do they feel balanced? Check door seal quality; a weak magnet suggests poor insulation. Note the control location—top-mounted controls are harder for kids to accidentally adjust. After viewing 3-4 models, your checklist reveals patterns, making the final choice obvious. Sleep on it; impulse buys lead to buyer’s remorse when delivery day arrives.
Reading Between the Lines of User Reviews
Professional reviews test units for days; owners live with them for years. Focus on reviews from verified purchases after 6+ months of use. Look for patterns: if 10% mention noisy ice makers, expect some operational sound. Ignore reviews complaining about delivery issues—that’s the retailer, not the appliance. Pay attention to reviews mentioning repairs; note the failure point and timeline. Five-star reviews after two years mean more than five stars after two weeks. Search reviews for your specific concerns: “ice taste,” “frost buildup,” or “filter cost.” Be wary of units with hundreds of reviews but only perfect ratings—manufacturers sometimes game the system. The most honest reviews are three stars, detailing both pros and cons. Cross-reference complaint patterns across multiple retail sites to confirm legitimacy.
Frequently Asked Questions
1. Can I really get a reliable side-by-side refrigerator with an ice dispenser for under $1,000?
Absolutely. Modern manufacturing has made this configuration accessible at lower price points. Focus on models with strong user reviews after 6+ months of use and robust compressor warranties. While you may sacrifice smart features or premium finishes, core cooling and ice-making functions remain highly reliable in this price range.
2. How much ice should I expect these budget models to produce daily?
Most units generate 3-4 pounds of ice per 24-hour period, with storage bins holding 4-6 pounds. This comfortably serves a family of four’s daily needs. Heavy entertainers should look for “quick ice” features or consider supplementing with bagged ice for parties. Production slows if freezer doors are opened frequently.
3. Will a budget refrigerator increase my electric bill significantly?
Not necessarily. Many sub-$1,000 models carry ENERGY STAR certification, costing $60-$90 annually to operate. Check the EnergyGuide label’s kWh-per-year rating—lower numbers mean more savings. Proper maintenance, like cleaning condenser coils, keeps efficiency high and prevents energy waste.
4. What water pressure do I need for the ice maker to function properly?
Ice makers require 20-120 psi of water pressure. Test your line with an inexpensive pressure gauge. Low pressure produces small, hollow cubes; excessive pressure can damage inlet valves. If your pressure is low, a booster pump provides an affordable fix. Always connect to a cold water line for optimal ice clarity.
5. How often do I really need to replace the water filter?
The standard recommendation is every six months or 300 gallons. However, heavy usage households should replace every 4 months. If ice production slows or water tastes off, change it immediately regardless of schedule. Generic filters can cut costs but verify compatibility with your model first.
6. Are there any installation requirements I should know about before purchasing?
You’ll need a ¼-inch water line within 6 feet, a grounded electrical outlet, and sufficient door clearance. Most retailers include basic installation, but DIY is feasible if you’re comfortable with compression fittings. Some municipalities require professional installation for warranty compliance—check local codes and your warranty terms.
7. What’s the biggest maintenance mistake owners make with these refrigerators?
Neglecting condenser coil cleaning ranks number one. Dusty coils force compressors to work overtime, reducing lifespan and efficiency. Clean them every six months with a coil brush and vacuum. Second is ignoring filter changes, which strains the water system and affects ice quality. Set calendar reminders for both tasks.
8. How do I prevent ice from clumping together in the bin?
Keep freezer temperature steady at 0°F. Frequent door opening introduces moisture that refreezes cubes together. Ensure the dispenser chute flap seals completely after each use—a dry cloth wipe weekly prevents frost buildup. Some models include anti-clump features, but stable temperature remains the best prevention.
9. What should I do if my ice tastes strange or has an odor?
First, replace the water filter and flush 2-3 gallons through the system. Discard the first few ice batches. If the problem persists, clean the ice bin with warm, soapy water and sanitize with a mild bleach solution. Check for food odors in the freezer; ice absorbs smells. An open box of baking soda in the freezer can help neutralize odors long-term.
10. Are extended warranties worth it for budget refrigerators under $1,000?
Generally, no. The manufacturer’s warranty (typically 1 year full, 5 years sealed system) covers major failures. Extended warranties often cost 15-20% of the purchase price and exclude common issues like ice makers. Instead, use a credit card that extends warranties, and invest in regular maintenance. If you must buy extended coverage, ensure it specifically includes the ice dispenser and water system.