Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Lacey offers homeowners some beautiful living options. However, unplanned repair and replacement costs on your home’s systems and appliances can get quite pricey. A home warranty in Lacey can help reduce your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that stop working due to normal wear and tear.
Finding the best home warranty on the market can be overwhelming, as there are dozens of companies to choose from. That’s why the Today's Homeowner team did the research and put together a list of the best home warranty companies in Lacey 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
In Lacey, American Home Shield is the most customizable home warranty. When you buy a home warranty 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 simple plans, making the selection process easy.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are around the $2,500 mark for many major systems and appliances, and service fees are customizable and range from $75 to $125.
For a more detailed breakdown, 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 Lacey, First American Home Warranty is the best home warranty for appliance coverage. When you buy a home warranty 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 simple plans, making the selection process easy.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. The coverage caps associated with First American’s plans are around the $1,500 mark for many major systems and appliances, and service fees are a reasonable $85.
For a more detailed breakdown, 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 Lacey, Cinch Home Services is the home warranty with the best workmanship guarantee. When you buy a home warranty 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 simple plans, making the selection process easy.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
For a more detailed breakdown, 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 Lacey, The Home Service Club is the best home warranty with the quickest service. When you buy a home warranty 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 simple plans, making the selection process easy.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are around the $2,000 mark for many major systems and appliances, and service fees are customizable and range from $65 to $90.
For a more detailed breakdown, 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 | $6,448 |
| Heating | $4,298 |
| Electrical | $645 |
| Toilets | $537 |
| Washer/Dryer | $860 |
| Plumbing | $645 |
| Oven | $1,719 |
| Fridge | $645 |
A home warranty is a protection plan that assists Lacey homeowners cut 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 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 goes over the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent expensive emergency repairs. Home warranties are the most useful for older houses or those with aging systems. New homes with up-to-date appliances may not need a home warranty.
Home warranties cover many home systems and appliances. Warranties usually cover appliances such as microwaves, washers, garbage disposals, refrigerators, dishwashers, dryers, and more. Covered systems include heating, air conditioning, plumbing, and electrical. Many home warranty companies also provide additional coverage for roof leaks, central vacuums, locksmiths, and septic systems. Lacey homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. Additionally, most policies only cover the cost of repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. Make sure to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Here are some key home warranty terms to learn before signing a contract:
When choosing a home warranty provider, there are several important factors to consider:
Home warranty coverage varies, although most plans provide coverage for plumbing, AC, electrical, heating, and appliances. More inclusive plans may also cover extra things such as spas, pools, well pumps, and roof leaks. Look for companies with an array of coverage options, such as upgraded plans. You'll want to tailor your protection for your home’s 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 per-request costs can add up. You may decide to look for providers with lower service fees to maximize your savings on each claim. Some companies also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty company's track record provides insight into things such as claim approval rates, contractor quality, timeliness of repairs, and overall customer satisfaction. Look at third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Complimentary reviews and ratings indicate a provider known for stellar service.
Home warranty providers keep networks of technicians to handle covered repairs. Larger networks improve the probability of getting qualified technicians to quickly service your home. Contact potential providers to find out how many contractors they have in Lacey to get a sense of how soon your repairs could be handled in an emergency.
Some home warranty plans offer bonuses such as energy efficiency upgrades, smart home device protection, and maintenance discounts. These perks can add value beyond just repair coverage. Added bonuses maximize the usefulness of your home warranty.
Since temperatures in Lacey can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Buying a home warranty can help homeowners save money if one of these systems or appliances breaks down unexpectedly.
Not to mention, having a home warranty can save you time by eliminating the need to research repair people — most providers will send a trusted professional right to your door to complete the repair or replacement. Additionally, though it varies by company, some providers will allow you to transfer your warranty in the event that you sell your home. This can make your house more attractive to potential homebuyers and help your home sell faster.
There are also some drawbacks to buying a home warranty plan, such as the coverage exclusions. For example, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty.
Additionally, if you don’t maintain your home systems or appliances properly, or if they were damaged 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 Lacey can cost between $30 and $60 a month. The higher-priced plans tend to have a lower service fee, higher coverage limits, and broader coverage. You can often lower this cost by paying annually instead of monthly. Some providers will also decrease your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty policies cover problems related to systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger insurance that protects the entire home from natural disasters, which might not be too much of a concern in Lacey. It doesn't cover a normal appliance or system damage.
First-time homebuyers, real estate agents, home sellers, homeowners, and landlords are all eligible for home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
A home warranty policy can cover your systems, appliances, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be useful if you're concerned about one more than the other.
Home warranty plans typically last a year. Many companies let you renew your plan each year, and some offer month-to-month options as well.
Generally, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who will pay the service fees when using the policy. In Lacey, where the median value of a home is $472,471, having the seller pay for the home warranty can save you some money on your new home.
