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Last Updated: February 25, 2025
Homeownership in Centralia comes with many benefits, but it also comes with its challenges. Your home’s appliances and systems will eventually need repairs, and this could mean a huge expense. A home warranty is a way to protect your savings account from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
The home warranty market is filled with a lot of providers — all with different offerings — so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Centralia.
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
In Centralia, American Home Shield is the most customizable home warranty. AHS has over 26 years of experience in the home warranty industry and in that time has built a impressive network of service professionals in the country. The home warranty company offers 3 plans to policyholders with various options for appliance and system coverage. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, you’ll want to have this plan on your side. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are customizable and range from $75 to $125.
For more information on this provider, read our review of American Home Shield. To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.
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
In Centralia, First American Home Warranty is the best home warranty for appliance coverage. First American has over 39 years of experience in the home warranty industry and in that time has built a impressive network of service professionals in the country. The home warranty company offers 2 plans to policyholders with various options for appliance and system coverage. If you’re looking for very affordable and comprehensive appliance coverage, you’ll want to have this plan on your side. Plus, it 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 Home Warranty are Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are a reasonable $85.
For more information on this provider, read our review of First American Home Warranty. To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.
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
In Centralia, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has over 44 years of experience in the home warranty industry and in that time has built a impressive network of service professionals in the country. The home warranty company offers 3 plans to policyholders with various options for appliance and system coverage. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you’ll want to have this plan on your side. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are customizable and range from $75 to $150.
For more information on this provider, read our review of Cinch Home Services. To get a free quote from Cinch Home Services, fill out this online form or call 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
In Centralia, The Home Service Club is the best home warranty with the quickest service. HSC has over 15 years of experience in the home warranty industry and in that time has built a impressive network of service professionals in the country. The home warranty company offers 2 plans to policyholders with various options for appliance and system coverage. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, you’ll want to have this plan on your side. Plus, it 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 The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are customizable and range from $65 to $90.
For more information on this provider, read our review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or call 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 | $5,990 |
| Heating | $3,993 |
| Electrical | $599 |
| Toilets | $499 |
| Washer/Dryer | $799 |
| Plumbing | $599 |
| Oven | $1,597 |
| Fridge | $599 |
A home warranty is a protection plan that helps Centralia homeowners lower the high costs of household repairs. These plans provide financial coverage to fix or replace appliances and systems that break down from normal wear and tear. Homeowners file a claim and pay a service fee when something breaks. The home warranty company then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives homeowners peace of mind, as it helps avoid expensive emergency repairs. The coverage is especially helpful for buyers of older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and modern appliances might not need a home warranty.
Home warranties cover your home systems and appliances. Warranties usually cover appliances such as refrigerators, dryers, microwaves, garbage disposals, washers, dishwashers, and others. Covered systems include air conditioning, plumbing, heating, and electrical. Many home warranty providers also offer additional coverage for roof leaks, septic systems, locksmiths, and central vacuums. Most home warranty plans require Centralia homeowners to wait 30 days before the plan will cover repairs. Moreover, policies normally only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover cosmetic issues, natural disasters, pre-existing conditions, or misusing a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
There are a number of home warranty terms to understand before signing an agreement, including:
When choosing a home warranty provider, there are several important factors to consider:
Home warranties differ greatly in the items covered. Basic policies typically provide protection for AC, plumbing, electrical, heating, and appliances, while more comprehensive options may also cover spas, pools, roof leaks, and well pumps. Look for a company that offers robust coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific systems and needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which gets paid per claim you submit. The costs from multiple fees can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some providers also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty provider's reputation provides insights into factors such as claim approval rates, repair speed, contractor expertise, and customer satisfaction. Look at review sites like the Better Business Bureau (BBB), Google Reviews, or TrustPilot to learn more about providers. Favorable reviews and ratings suggest a company known for providing quality service.
Home warranty companies have networks of contractors that they use to tackle covered repairs. More extensive networks raise the probability of getting skilled contractors to your home promptly. Contact possible providers to ask how many technicians they have in Centralia to understand how long repairs could take in an urgent situation.
Certain home warranty companies offer perks such as discounts on maintenance, energy-efficient upgrades, and protection for smart home devices. These can offer extra value beyond repair coverage. Extra perks can enhance your home and maximize your home warranty.
Centralia’s frigid 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 fails in the middle of July, a home warranty can cover the necessary repairs, saving you from spending unexpected money out of pocket.
A home warranty also saves you time and energy. Instead of spending hours researching and choosing a technician 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. Another added benefit of having a home warranty policy is that it can increase your home’s property value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you purchased your home warranty through.
One disadvantage of buying a home warranty is that there are usually exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may not be covered under the home warranty, so it’s important to read over any contracts you’re considering carefully to understand what is included and what isn’t.
Plus, if you don’t maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty in Centralia can cost anywhere from $30 to $60 a month. The higher-priced plans typically have broader coverage, a lower service fee, and higher coverage limits. This cost is often lower if you pay annually instead of monthly. Some companies will also lower 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 problems with systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger plan that protects an entire home from natural disasters, which might not be too much of a concern in Centralia. It doesn't cover a typical appliance or system breakage.
A home warranty plan can help investors, homeowners, homebuyers, home sellers, and real estate agents. It can provide peace of mind to anyone involved with homeownership.
A home warranty plan can cover your appliances, systems, or both. Combination plans are great if you'd like more coverage for your home, but a system- or appliance-only plan can be helpful if you're concerned about one more than the other.
Generally, a home warranty plan offers coverage for a year and can be renewed annually. Some companies may offer month-to-month options.
Typically, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who has to pay the service fees. In Centralia, where the median value of a home is $374,256, having the seller pay for the home warranty can be a good asset for your new home.
