Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
There are many benefits of owning a home, but as your Duvall home gets older, you may find yourself needing to update or repair your appliances and systems. A home warranty can offer you the peace of mind you need and safeguard your savings account from unexpected expenses by covering your home’s major appliances and systems.
Finding the best protection for your home can be time-consuming, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in Duvall. Keep reading for our recommendations.
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 Duvall residents. AHS is a home warranty provider with 26 years of experience in the industry, and it has established itself as one of the best providers in the business. The 3 plans from AHS are easily comprehensible and offer both system and appliance 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.
American Home Shield has 3 plans that offer a mix of system and appliance coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. To read more, visit our detailed review of American Home Shield.
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 Duvall residents. First American is a home warranty provider with 39 years of experience in the industry, and it has established itself as one of the best providers in the business. The 2 plans from First American are easily comprehensible and offer both system and appliance 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.
First American Home Warranty has 2 plans that offer a mix of system and appliance coverage. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. To read more, visit our detailed review of First American Home Warranty.
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 Duvall residents. Cinch is a home warranty provider with 44 years of experience in the industry, and it has established itself as one of the best providers in the business. The 3 plans from Cinch are easily comprehensible and offer both system and appliance 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.
Cinch Home Services has 3 plans that offer a mix of system and appliance coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit our detailed review of Cinch Home Services.
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 Duvall residents. HSC is a home warranty provider with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. The 2 plans from HSC are easily comprehensible and offer both system and appliance 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 Home Service Club has 2 plans that offer a mix of system and appliance coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. To read more, visit our detailed review of The Home Service Club.
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 | $7,721 |
| Heating | $5,147 |
| Electrical | $772 |
| Toilets | $643 |
| Washer/Dryer | $1,029 |
| Plumbing | $772 |
| Oven | $2,059 |
| Fridge | $772 |
A home warranty is a protection policy that helps lower expenses for Duvall homeowners needing appliance and system repairs. These plans provide coverage to repair or replace appliances and systems that break due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider 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 exceeds the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent costly emergency repairs. Home warranties are the most useful for older construction homes with aging systems. New homes with modern appliances may not require a home warranty.
Home warranties help protect both your home systems and appliances. Common appliances covered under a home warranty include garbage disposals, dishwashers, dryers, refrigerators, microwaves, washers, and others. Covered systems include air conditioning, heating, electrical, and plumbing. Many home warranties offer additional add-on coverage options for septic systems, locksmiths, central vacuums, and even roof leaks. Most home warranty plans require Duvall homeowners to wait 30 days before they can use the policy to pay for repairs. Additionally, policies usually 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 help ensure your next repair or replacement is covered, keep up with preventative maintenance.
There are several home warranty terms to learn before signing an agreement, including:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty coverage varies, although most plans provide coverage for heating, AC, plumbing, electrical, and appliances. More comprehensive options may also include other things such as well pumps, spas, pools, and roof leaks. Look for a company that offers robust coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using providers with more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty provider's reputation can give you insight into things such as approval rates, contractor quality, repair timeliness, and customer service. Use review platforms such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Good ratings and feedback indicate a provider known for great service.
Home warranty companies have networks of contractors that they use to tackle covered repairs. Wider networks raise the probability of getting skilled contractors to your home swiftly. Contact possible providers to find out how many repair professionals they have in Duvall. This helps you understand how long repairs may take in an urgent situation.
Some home warranty companies include perks such as reduced maintenance fees, smart home device coverage, and energy efficiency upgrades. These extras can offer extra value beyond repair coverage. Added bonuses allow you to enhance your home and get the most from your warranty policy.
Duvall’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 if 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 repairs, preventing you from spending unexpected money out of pocket.
In addition, having a home warranty can save you some time by removing the need to research service technicians — most providers will send a trusted professional right to your door to complete the necessary repair or replacement. Another added benefit of having a home warranty plan is that it can increase your home’s real estate 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.
As for the negatives of home warranties, system and appliance coverage varies by provider, so it’s important to understand what each policy covers and excludes in the contract.
Another thing to take into consideration is that some providers don’t cover pre-existing conditions and may require an inspection before coverage begins. Ask the home warranty company for clarification about these things if you aren’t sure or if this is a problem for you.
A home warranty plan costs, on average, around $300 to $600 a year in Duvall. Our top-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 choosing a higher service fee. In addition, it's often cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranties cover issues related to 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 your entire home from natural disasters, which might not be too much of a concern in Duvall. It doesn't cover a typical appliance or system damage.
A home warranty can help homeowners, investors, home sellers, homebuyers, and real estate agents. It can provide peace of mind and savings to anyone involved in homeownership.
The different types of home warranties in Duvall include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your home systems and appliances, including your dishwasher, washing machine, and HVAC. A plan that only covers appliances or systems will cover only the items listed in the policy.
Home warranty plans generally last a year. Many companies let you renew your plan yearly, and some offer month-to-month plans as well.
In general, the homeowner is responsible for paying 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 given to the new homeowner, who has to pay the service fees. In Duvall, where the median value of a home is $907,116, having the seller pay for the home warranty can be a good asset for your new home.
