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Last Updated: February 25, 2025
Fort Lewis offers homeowners some affordable housing options. However, unanticipated repair and replacement costs on your home’s appliances and systems can get quite expensive. A home warranty can give you the peace of mind you need and guard your savings account from unexpected expenses by covering your home’s major systems and appliances.
Choosing the best home warranty on the market can be difficult because of the many options available. If you're frustrated with trying to compare them all, keep reading for our guide on the best home warranty providers in Fort Lewis.
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 offers the most customizable home warranty in Fort Lewis. AHS has more than 26 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options. 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Fort Lewis area.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read our review of American Home Shield to learn more.
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 offers the best home warranty for appliance coverage in Fort Lewis. First American has more than 39 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options. 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. The coverage limits from First American are about $1,500. The service fees are a reasonable $85, which is lower than other providers in the Fort Lewis area.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read our review of First American Home Warranty to learn more.
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 offers the home warranty with the best workmanship guarantee in Fort Lewis. Cinch has more than 44 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options. 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.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Fort Lewis area.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read our review of Cinch Home Services to learn more.
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 offers the best home warranty with the quickest service in Fort Lewis. HSC has more than 15 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options. 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.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Fort Lewis area.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read our review of The Home Service Club to learn more.
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 | $6,690 |
| Heating | $4,460 |
| Electrical | $669 |
| Toilets | $557 |
| Washer/Dryer | $892 |
| Plumbing | $669 |
| Oven | $1,784 |
| Fridge | $669 |
A home warranty is a protection policy that helps reduce the high costs for Fort Lewis homeowners needing appliance and system repairs. These plans provide financial coverage to fix or swap out 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 arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty gives peace of mind to homeowners because it helps prevent costly emergency repairs. Home warranties are the most useful for owners of older homes or homes with aging systems. New homes with up-to-date appliances might not require a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are refrigerators, garbage disposals, washers, dishwashers, microwaves, dryers, and more. Included systems are usually electrical, heating, plumbing, and air conditioning. Many home warranty providers offer add-on coverage for septic systems, locksmiths, central vacuums, and roof leaks. It's important for Fort Lewis homeowners to understand most home warranty plans have a waiting period of 30 days before repair claims will be approved. Most policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, natural disasters, pre-existing conditions, or misusing a system or appliance. Stay current with preventative maintenance to help guarantee your next repair or replacement is covered.
Here are some essential home warranty words to understand before signing a contract:
There are several important factors to consider when choosing a home warranty provider:
Home warranty plans can have major differences in covered items. Most plans provide protection for AC, heating, plumbing, electrical, and appliances. More inclusive options also extend protection to other items such as well pumps, spas, pools, and roof leaks. Look for providers with an assortment of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for your needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may seek out providers advertising more affordable fees to optimize savings on each repair claim. Certain companies may waive deductibles if homeowners don't submit any claims within a set period of time.
A home warranty company's reputation gives insight into things such as timeliness of repairs, contractor quality, claim approval rates, and overall customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research providers. Complimentary ratings and reviews indicate a provider known for stellar service.
Home warranty companies keep networks of contractors to handle covered repairs. Larger networks raise the likelihood of getting qualified technicians to promptly service your home. Ask potential providers how many contractors they have in Fort Lewis to get a sense of how soon your repairs could happen in an emergency.
Some home warranty providers offer bonuses such as smart home device protection, energy efficiency upgrades, and maintenance discounts. These perks add value beyond just repair coverage. Extra bonuses can maximize the usefulness of the home warranty.
Fort Lewis’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, preventing you from spending unexpected money out of pocket.
Not only can a home warranty offer some savings, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a technician and schedule a repair. A home warranty takes care of the research 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, some providers let you transfer your home warranty to the new owners. This can make your home more attractive to potential homebuyers and may help your home sell faster.
Home warranties also have some downsides. While it can be convenient that the home warranty sends out a contractor who does the repair for you, some people may not like this, and they may want to select a contractor themselves. If that’s the case for you, some home warranty providers let you select a contractor.
Another possible pain point of home warranties is that they don’t cover items that haven’t been properly maintained. This can lead to your claims being denied, so it’s important to make sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty costs, on average, about $300 to $600 a year in Fort Lewis. Our high-rated home warranty providers' 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. In addition, it's typically 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 helps protect against normal wear and tear to systems and appliances in a home. Homeowners insurance protects your entire home in case of something such as a fire or natural disaster. Under homeowners insurance, you will not be able to file a claim if you need a new refrigerator or stove, unless the damage is a result of a natural disaster, which isn't that common in Fort Lewis.
A home warranty can help home sellers, homeowners, real estate agents, investors, and homebuyers. It can provide peace of mind and savings to anyone involved in homeownership.
The different types of home warranties in Fort Lewis include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your systems and appliances, including your refrigerator, washing machine, and HVAC. An appliance or system plan will cover only the items mentioned in the contract.
Generally, a home warranty lasts for a year and can be renewed yearly. Some companies may offer month-to-month plans.
In general, 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 Fort Lewis, where the median home value is $520,502, having the seller pay for the home warranty can be a good asset for your new home.
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