Our editorial team is committed to creating independent and objective content focused on helping our readers make informed decisions. To help support these efforts we receive compensation from companies that advertise with us.
The compensation we receive from these companies may impact how and where products appear on this site. This compensation does not influence the recommendations or advice our editorial team provides within our content. We do not include all companies, products or offers that may be available.
Last Updated: February 25, 2025
The cost of maintaining a home in Lake Stevens can be expensive, particularly as your home ages and your systems and appliances need to be repaired or replaced. A home warranty can bring you the peace of mind you need and guard your savings account from unexpected expenses by covering your home’s major appliances and systems.
Finding the best protection for your home can be difficult, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in Lake Stevens. Read on for our home warranty 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 Lake Stevens residents. The 3 home warranty plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a plan 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.
American Home Shield has 3 plans that offer a mix of system and appliance coverage. The coverage caps associated with AHS’s plans are around the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our 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 Lake Stevens residents. The 2 home warranty plans that First American offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a plan 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 Home Warranty has 2 plans that offer a mix of system and appliance coverage. The coverage caps associated with First American’s plans are around the $1,500 mark for most of the major systems and appliances, and service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read more by visiting our 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 Lake Stevens residents. The 3 home warranty plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a plan 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 Home Services has 3 plans that offer a mix of system and appliance coverage. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read more by visiting our 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 Lake Stevens residents. The 2 home warranty plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a plan 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.
The Home Service Club has 2 plans that offer a mix of system and appliance coverage. The coverage caps associated with HSC’s plans are around the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read more by visiting our 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 | $6,954 |
| Heating | $4,636 |
| Electrical | $695 |
| Toilets | $579 |
| Washer/Dryer | $927 |
| Plumbing | $695 |
| Oven | $1,854 |
| Fridge | $695 |
A home warranty is a protection plan that helps Lake Stevens homeowners in lowering the expenses of appliance and system repairs. The plans offer coverage to swap out or repair appliances and systems that malfunction due to normal wear and tear. When something breaks down, you file a claim and pay a service fee. The home warranty company then arranges a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the repair or replacement costs go over the item's coverage limit. A home warranty delivers peace of mind for homeowners by helping them avoid expensive emergency fixes. They're particularly valuable for those who live in older homes or ones with outdated systems. Newer homes with functional fixtures probably don’t require a home warranty.
Home warranties cover your home's systems and appliances. Typical covered appliances include garbage disposals, microwaves, refrigerators, washers, dryers, dishwashers, and others. Covered systems include plumbing, heating, electrical, and air conditioning. Various home warranty plans offer extra coverage for roof leaks, central vacuums, septic systems, and even locksmiths. Lake Stevens homeowners should know that most home warranty plans impose 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 cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. You must keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Home warranties use several terms that you'll want to understand before signing a contract, such as:
When choosing a home warranty provider, there are several key factors to consider:
Home warranty policies can have major differences in covered items. Most plans cover AC, electrical, heating, plumbing, and appliances. More inclusive options also extend protection to other items such as pools, well pumps, spas, and roof leaks. Look for providers with a range of coverage choices, such as upgraded plans. Flexibility helps you tailor your protection for your home’s needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may seek out companies advertising lower service 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 insights into factors such as repair speed, claim approval rates, contractor expertise, and customer satisfaction. Look at review sites like Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to learn more about providers. Good ratings and feedback suggest a company known for delivering quality service.
Home warranty businesses have networks of local technicians to handle repairs in your area. Reach out to potential providers to find out how many repair contractors they have in Lake Stevens and get an idea for how fast your repairs could take place in an emergency situation. Bigger networks raise the probability of getting qualified contractors to promptly service your home.
Some home warranty companies include extras such as energy efficiency upgrades, maintenance discounts, and smart home device protection. These add value beyond repair coverage. Extra bonuses can maximize the usefulness of the home warranty.
Home warranty policies are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Lake Stevens reaching an average high of 51℃F, you may find that some appliances, such as your A.C., get a lot of use. A home warranty can remarkably lower out-of-pocket costs should your HVAC system break down.
Along with saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the headache of trying to find a qualified contractor to visit your home. Home warranties usually come with a network of pre-vetted technicians who can handle any repair problems you may experience. A home warranty can also give value in other ways. For instance, some policies can be transferred between owners when you sell your home.
One disadvantage of getting a home warranty is that there are usually exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may be excluded from the home warranty, so it’s important to read over any contracts you’re considering carefully to get a sense of what is included and what isn’t.
Another drawback is that home warranties may exclude some repairs, like those due to natural disasters. For example, if your house floods, the affected systems and appliances most likely won’t be covered by the home warranty.
A home warranty in Lake Stevens can cost anywhere from $30 to $60 a month. Higher-priced plans usually have higher coverage limits, a lower service fee, and broader coverage. This cost is often lower if you pay annually instead of monthly. Some providers will also decrease your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranties cover problems related to home 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 an entire home from natural disasters, which might not be too much of a concern in Lake Stevens. It doesn't cover a typical appliance or system repairs.
First-time homebuyers, landlords, homeowners, real estate agents, and home sellers 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.
The different types of home warranties in Lake Stevens include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan will cover many of your systems and appliances, such as your dishwasher, washing machine, and heating and cooling systems. A plan that only covers appliances or systems will cover only the specific items mentioned in the plan.
Home warranty plans typically offer coverage for a year. Many companies let you renew your plan annually, and some offer month-to-month options as well.
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 given to the new homeowner, who will pay the service fees when using the policy. In Lake Stevens, where the median home value is $662,193, having the seller pay for the home warranty can save you some money on your new home.
Loading map...