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Last Updated: February 25, 2025
Raymond offers homeowners some beautiful living options. However, unplanned repair and replacement costs on your home’s systems and appliances can get quite expensive. A home warranty is a way to protect your budget from unexpected expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind.
Finding the best protection for your home can be challenging, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in Raymond. Read on for our top provider recommendations.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty in Raymond. Liberty is a home warranty company with 6 years of experience in the industry, and it has established itself as one of the best providers in the business. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are easily comprehensible and offer both system and appliance coverage.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps from Liberty are around $3,000. The service fees are an affordable $75, which is lower than other providers in the Raymond area.
Read our detailed review of Liberty Home Guard to learn more. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty is the best overall home warranty in Raymond. Choice is a home warranty company with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are easily comprehensible and offer both system and appliance coverage.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is lower than other providers in the Raymond area.
Read our detailed review of Choice Home Warranty to learn more. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty is the most cost-effective home warranty in Raymond. Select is a home warranty company with 11 years of experience in the industry, and it has established itself as one of the best providers in the business. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are easily comprehensible and offer both system and appliance coverage.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are around $2,000. The service fees are a reasonable $60, which is lower than other providers in the Raymond area.
Read our detailed review of Select Home Warranty to learn more. To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
American Home Shield is the most customizable home warranty in Raymond. AHS is a home warranty company with 26 years of experience in the industry, and it has established itself as one of the best providers in the business. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easily comprehensible and offer both system and appliance coverage.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Raymond area.
Read our detailed review of American Home Shield to learn more. To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
Cinch Home Services is the home warranty with the best workmanship guarantee in Raymond. Cinch is a home warranty company with 44 years of experience in the industry, and it has established itself as one of the best providers in the business. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easily comprehensible and offer both system and appliance coverage.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Raymond area.
Read our detailed review of Cinch Home Services to learn more. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club is the best home warranty with the quickest service in Raymond. HSC is a home warranty company with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans from HSC are easily comprehensible and offer both system and appliance coverage.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Raymond area.
Read our detailed review of The Home Service Club to learn more. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $6,636 |
| Heating | $4,424 |
| Electrical | $664 |
| Toilets | $553 |
| Washer/Dryer | $885 |
| Plumbing | $664 |
| Oven | $1,770 |
| Fridge | $664 |
A home warranty is a protection plan that assists Raymond homeowners in reducing the costs of appliance and system repairs. The plans provide financial coverage to replace or repair appliances and systems that stop working due to normal wear and tear. When something breaks down, you file a claim and pay a service fee. The home warranty provider then finds a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty delivers peace of mind for homeowners by helping them avoid expensive emergency fixes. They're particularly useful for those who live in older homes or ones with outdated systems. Newer homes with modern appliances probably don’t require a home warranty.
Home warranties cover your home's systems and appliances. Typical covered appliances include microwaves, garbage disposals, dryers, dishwashers, washers, refrigerators, and more. Covered systems include air conditioning, heating, electrical, and plumbing. Various home warranty plans offer extra coverage for septic systems, roof leaks, central vacuums, and even locksmiths. Most home warranty plans require Raymond homeowners to refrain from making claims for 30 days before they can use the policy to pay for repairs. Additionally, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover natural disasters, pre-existing conditions, cosmetic issues, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Home warranties use several terms that you'll want to understand before signing a contract, such as:
There are several important factors to consider when selecting a home warranty provider:
Home warranty policies can have major differences in covered items. Most plans cover plumbing, heating, electrical, AC, and appliances. More comprehensive options also extend protection to other items such as roof leaks, pools, well pumps, and spas. Look for companies with an array of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, some homeowners prefer to choose a company with lower service fees to maximize savings. Some companies also do away with deductibles when customers have a claim-free period.
A home warranty provider's reputation provides insights into factors such as contractor expertise, repair speed, claim approval rates, and customer satisfaction. Check review sites like TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to learn more about companies. Positive ratings and feedback suggest a company known for providing quality service.
Home warranty companies keep networks of local professionals to handle repairs in your area. Contact potential providers to learn how many repair technicians they have in Raymond and get an idea for how fast your repairs could take place in an emergency situation. More extensive networks increase the probability of getting qualified contractors to promptly service your home.
Certain home warranty providers offer perks such as protection for smart home devices, discounts on maintenance, and energy-efficient upgrades. These bonuses provide extra value beyond repair coverage. Added perks enhance your home and maximize your home warranty.
Raymond’s cold winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty is designed to cover your home’s appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the necessary repairs, saving you from spending a lot of money out of pocket.
A home warranty also can also save you time and energy. Instead of spending hours researching and choosing a repair person to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. Plus, though it varies by company, some providers will let you transfer your warranty if you sell your home. This can make your house more attractive to potential homebuyers and help your home sell faster.
One major drawback of home warranties is not every home system and appliance may be covered. It’s important to compare the different plans and choose one that covers all the appliances, systems, and add-ons you need.
Another stipulation is that home warranties typically only cover damage from normal wear and tear. They often won’t cover systems or appliances that need repairs or replacements due to improper maintenance, animal infestations, natural disasters, etc.
A home warranty policy costs, on average, about $300 to $600 a year in Raymond. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. Additionally, it's often cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty protects against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your home in case of a situation such as a fire or natural disaster. With a homeowners insurance plan, you won't be able to file a claim should you need a new washing machine or air conditioner, unless the damage is due to a natural disaster, which isn't that common in Raymond.
A home warranty plan can help real estate agents, homebuyers, investors, homeowners, and home sellers. It can provide peace of mind to anyone involved with homeownership.
The different home warranties in Raymond include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover your systems and appliances, such as your dishwasher, washing machine, and plumbing. An appliance or system plan will cover only the items mentioned in the plan.
Home warranty plans usually provide coverage for a year. Many companies let you renew your plan each year, and some offer month-to-month plans as well.
Typically, the one who owns the home pays for the home warranty. In some cases, however, the person who is selling the home may buy a home warranty and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Considering that the average home value in Raymond is $430,109, a home warranty can be an added asset when buying a home.
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