Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
With a variety of seasons in Washington, your home systems can experience quite a bit of wear and tear. There’s nothing worse than having your air conditioning go out in the middle of summer. A home warranty in Washington can help reduce your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that break down due to normal wear and tear.
Finding the best home warranty on the market can be overwhelming, as there are lots of companies to decide between. That’s why the Today's Homeowner team did the research and made a list of the top home warranty companies in Washington for you.
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 for Washington residents. 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 easy to comprehend and offer a mix of both system and appliance coverage.
Liberty Home Guard offers 3 plans for Washington homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. Liberty’s service fees are an affordable $75, and the coverage limits come out to around $3,000 for each covered system or appliance.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read more by visiting our Liberty Home Guard Review.
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 for Washington residents. 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 easy to comprehend and offer a mix of both system and appliance coverage.
Choice Home Warranty offers 2 plans for Washington homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Choice’s service fees are an affordable $85, and the coverage limits come out to around $3,000 for each covered system or appliance.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read more by visiting our Choice Home Warranty Review.
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 for Washington residents. 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 easy to comprehend and offer a mix of both system and appliance coverage.
Select Home Warranty offers 3 plans for Washington homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. Select’s service fees are a reasonable $60, and the coverage limits come out to around $2,000 for each covered system or appliance.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read more by visiting our Select Home Warranty Review.
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 for Washington residents. 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 easy to comprehend and offer a mix of both system and appliance coverage.
American Home Shield offers 3 plans for Washington homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to around $2,500 for each covered system or appliance.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our American Home Shield Review.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty is the best home warranty for appliance coverage for Washington residents. First American has established itself as a company with very affordable and comprehensive appliance coverage. It also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. The 2 plans from First American are easy to comprehend and offer a mix of both system and appliance coverage.
First American Home Warranty offers 2 plans for Washington homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. First American’s service fees are a reasonable $85, and the coverage limits come out to around $1,500 for each covered system or appliance.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read more by visiting our First American Home Warranty Review.
Basic Plan
Premier Plan
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 for Washington residents. 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 easy to comprehend and offer a mix of both system and appliance coverage.
Cinch Home Services offers 3 plans for Washington homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to around $1,000-$2,000 for each covered system or appliance.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read more by visiting our Cinch Home Services Review.
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 for Washington residents. 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 easy to comprehend and offer a mix of both system and appliance coverage.
The Home Service Club offers 2 plans for Washington homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 for each covered system or appliance.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read more by visiting our The Home Service Club Review.
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 | $5,891 |
| Heating | $3,927 |
| Electrical | $589 |
| Toilets | $491 |
| Washer/Dryer | $785 |
| Plumbing | $589 |
| Oven | $1,571 |
| Fridge | $589 |
A home warranty is a protection policy that helps Washington homeowners cut the costs of appliance and system repairs. The plans provide coverage to fix or replace appliances and systems that stop working due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement exceeds the item's coverage limit. A home warranty gives reassurance to homeowners, as it helps prevent expensive emergency repairs. Home warranties are the most useful for owners of older homes or homes with aging systems. New homes with modern appliances may not need a home warranty.
Home warranties safeguard both your home systems and appliances. Common covered appliances include microwaves, dishwashers, garbage disposals, washers, refrigerators, dryers, and more. Covered systems include electrical, air conditioning, heating, and plumbing. Many home warranties offer additional add-on coverage options for central vacuums, locksmiths, septic systems, and even roof leaks. Washington homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. What's more, most policies only cover the cost of repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. You must keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Here are some key home warranty words to know before signing a contract:
There are several key considerations when selecting a home warranty provider:
Home warranties vary widely in terms of included coverage. Basic policies typically include electrical, plumbing, heating, AC, and appliances, while more comprehensive plans may also cover spas, well pumps, roof leaks, and pools. Look for companies with varied coverage options, including upgraded plans. This allows you to tailor protection to your needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may seek out providers advertising more affordable fees to optimize savings on each repair claim. Certain providers may eliminate deductibles when a homeowner submits no claims in a defined period.
A home warranty provider's reputation gives insight into things such as approval rates, contractor quality, repair timeliness, and customer service. Use review platforms such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research providers. Positive ratings and feedback indicate a company known for exceptional service.
Home warranty providers keep networks of contractors to handle covered repairs. Bigger networks improve the probability of getting qualified technicians to service your home ASAP. Reach out to potential providers and ask how many contractors they have in Washington to get a sense of how soon your repairs could be handled in an emergency.
Some home warranty companies may include perks such as energy efficiency upgrades, reduced maintenance fees, and smart home device coverage. These can offer extra value beyond repair coverage. Added bonuses let you enhance your home and get the most from your home warranty.
Since temperatures in Washington can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Having a home warranty policy can help homeowners save money if one of these systems or appliances stops working all of a sudden.
Not only can a home warranty provide some financial relief, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a repair person and schedule a repair. A home warranty handles this process by sending trusted professionals to your door when you need them most. Another good thing about having a home warranty is if you want to sell your home, you can most likely transfer your home warranty policy to the new owners. It can make your house more attractive to potential homebuyers and help your house sell faster.
One main drawback of a home warranty is not every home system and appliance you care about may be covered. It’s important to compare the different plans and select one that covers all the appliances, systems, and add-ons you need.
Another thing to take into consideration is that some providers don’t cover pre-existing conditions and may require an inspection before your coverage can start. Ask the home warranty provider for clarification about this if you aren’t sure or if this is a problem for you.
A home warranty in Washington can cost between $30 and $60 a month. Higher-priced plans typically have a lower service fee, broader coverage, and higher coverage limits. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also decrease your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty policies cover issues with systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different insurance that protects the entire home from natural disasters, which might not be too much of a concern in Washington. It doesn't cover a normal appliance or system repairs.
A home warranty can help investors, real estate agents, home sellers, homebuyers, and homeowners. It can provide peace of mind and savings to anyone involved in homeownership.
The different home warranties in Washington include plans that cover either appliances or systems as well as combination plans. A combination plan covers many of your home systems and appliances, including your dishwasher, washing machine, and HVAC. An appliance or system plan will cover only the items mentioned in the contract.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan yearly, and some offer month-to-month options as well.
Usually the person who owns the home pays for the home warranty. In some cases, however, the one selling the home may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Considering that the average home value in Washington is $271,074, a home warranty can be an added asset when buying a home.
