Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Owning a home in Issaquah has tons of great advantages, but there are some negatives. The weather throughout the four seasons can cause problems in a home and lead to wear and tear on systems like your HVAC. A home warranty policy can help protect you by covering major repairs and replacements on your home’s most important appliances and systems.
Finding the best home warranty on the market can be difficult, since there are dozens of companies to choose from. That’s why the Today's Homeowner team did the research and made a list of the best home warranty companies in Issaquah for you.
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 Issaquah residents. AHS has been in business for over 26 years, making it a well-regarded company in the industry. When you buy a policy from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 plans for homeowners to choose from.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Issaquah area.
To get a free quote from American Home Shield, fill out this online form or give them a call at 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 is the best home warranty for appliance coverage for Issaquah residents. First American has been in business for over 39 years, making it a well-regarded company in the industry. When you buy a policy from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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. First American has 2 plans for homeowners to choose from.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. The coverage caps from First American are about $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Issaquah area.
To get a free quote from First American Home Warranty, fill out this online form or give them a call at 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 is the home warranty with the best workmanship guarantee for Issaquah residents. Cinch has been in business for over 44 years, making it a well-regarded company in the industry. When you buy a policy from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 plans for homeowners to choose from.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Issaquah area.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 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 is the best home warranty with the quickest service for Issaquah residents. HSC has been in business for over 15 years, making it a well-regarded company in the industry. When you buy a policy from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 plans for homeowners to choose from.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Issaquah area.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $7,679 |
| Heating | $5,119 |
| Electrical | $768 |
| Toilets | $640 |
| Washer/Dryer | $1,024 |
| Plumbing | $768 |
| Oven | $2,048 |
| Fridge | $768 |
A home warranty is a protection policy that helps Issaquah homeowners reduce the high costs of household repairs. These plans offer financial protection 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 exceeds the item's coverage limit. A home warranty gives reassurance to homeowners, as it helps prevent expensive emergency repairs. Home warranties are especially useful for older construction homes with aging systems. New homes with up-to-date appliances might not need a home warranty.
Home warranties cover many home systems and appliances. Common covered appliances include refrigerators, dryers, dishwashers, garbage disposals, microwaves, washers, and more. Protected systems include electrical, air conditioning, plumbing, and heating. Many home warranty plans offer additional coverage for roof leaks, septic systems, central vacuums, and even locksmiths. It's important for Issaquah homeowners to understand most home warranty plans have a 30-day waiting period before repair claims will be approved. Most policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
Before signing a home warranty contract, you should understand key terms like:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty coverage can have major differences in what's included. Most plans include protection for electrical, AC, plumbing, heating, and appliances. More robust coverage options also offer coverage on other items such as roof leaks, pools, well pumps, and spas. Look for providers with a diverse range of coverage options, including upgraded plans. This allows you to tailor protection to your needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may look for companies advertising more affordable fees to optimize savings on each repair claim. Certain providers may eliminate deductibles after a customer goes a period of time with no claims filed.
A home warranty company's reputation provides insight into things such as contractor quality, claim approval rates, timeliness of repairs, and overall customer satisfaction. Look at third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Favorable reviews and ratings indicate a company known for stellar service.
Home warranty companies maintain networks of local technicians to handle repairs in your area. Contact potential providers to ask how many repair technicians they have in Issaquah and get an idea for how fast your repairs could take place in an emergency situation. Wider networks improve the probability of getting qualified contractors to quickly service your home.
Some home warranty plans provide extras such as maintenance discounts, smart home device protection, and energy efficiency upgrades. These add value beyond just repair coverage. Added bonuses can maximize the usefulness of your home warranty.
Home warranty plans are an affordable way to guard your home systems and appliances from normal wear and tear. With temperatures in Issaquah hitting an average high of 54℃F, you may find that certain appliances, like your air conditioning system, get a lot of use. A home warranty can remarkably decrease out-of-pocket expenses should your HVAC system break down.
A home warranty also saves you time and energy. Instead of spending hours finding and selecting a technician to fix your appliance or system, home warranty companies do the hard work for you and send a trusted professional to your door whenever you need them. Another good thing about having a home warranty is when you’re selling your home, some providers let you transfer your home warranty plan to the new owners. This can make your home more attractive to potential homebuyers and help your house sell faster.
One main drawback of home warranties is not every home system and appliance 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.
Additionally, 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 policy costs, on average, about $300 to $600 a year in Issaquah. 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. In addition, it's often less expensive 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. A homeowners insurance plan protects the entire home in case of something such as a natural disaster or fire. With homeowners insurance, you won't be able to file a claim if you need a new washing machine or oven, unless the damage is a result of a natural disaster, which isn't that common in Issaquah.
Homebuyers, real estate agents, homeowners, landlords, and home sellers can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
A home warranty plan will cover your home’s systems, appliances, or both. Combination plans are great if you'd like more coverage for your home, but a system- or appliance-only plan can be useful if you want to save some money.
Home warranty plans usually offer coverage for a year. Many companies let you renew your plan each year, and some offer month-to-month options as well.
Typically, the homeowner pays for the home warranty. In some cases, however, the person who is selling the home may buy a home warranty plan and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Considering that the average home value in Issaquah is $1,050,317, a home warranty can save you some money when buying a home.
