Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Last Updated: February 25, 2025
Homeownership in Liberty Lake has many positives, but it also comes with worries and concerns. Your home’s appliances and systems will inevitably need repairs, and this could mean a burdensome expense. A home warranty is a way to protect your savings from unexpected expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind.
Finding the best home warranty on the market can be quite a challenge because of the many options out there. If you're overwhelmed by trying to compare them all, keep reading for our guide on the best home warranty companies in Liberty Lake.
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 for Liberty Lake residents. AHS has 3 plans for you to decide between. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 for each covered appliance or system.
Read our comprehensive review of American Home Shield to learn more. To receive a free quote from American Home Shield, fill out this online form or give them a call at 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
First American Home Warranty offers the best home warranty for appliance coverage for Liberty Lake residents. First American has 2 plans for you to decide between. With a home warranty from First American, you can benefit from very affordable and comprehensive appliance coverage. Not to mention, 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.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. First American’s service fees are a reasonable $85, and the coverage caps come out to around $1,500 for each covered appliance or system.
Read our comprehensive review of First American Home Warranty to learn more. To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Liberty Lake residents. Cinch has 3 plans for you to decide between. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to around $1,000-$2,000 for each covered appliance or system.
Read our comprehensive review of Cinch Home Services to learn more. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 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
The Home Service Club offers the best home warranty with the quickest service for Liberty Lake residents. HSC has 2 plans for you to decide between. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 for each covered appliance or system.
Read our comprehensive review of The Home Service Club to learn more. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $6,293 |
| Heating | $4,195 |
| Electrical | $629 |
| Toilets | $524 |
| Washer/Dryer | $839 |
| Plumbing | $629 |
| Oven | $1,678 |
| Fridge | $629 |
A home warranty is a protection plan that assists Liberty Lake homeowners reduce the high costs of household repairs. These plans provide 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 repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty gives reassurance to homeowners, as it helps prevent costly emergency repairs. Home warranties are particularly useful for older construction homes with aging systems. New homes with modern appliances might not require a home warranty.
Home warranties cover your home systems and appliances. Common appliances covered include refrigerators, garbage disposals, microwaves, dishwashers, dryers, washers, and more. Covered systems are normally air conditioning, plumbing, heating, and electrical. Many home warranty providers offer add-on coverage for septic systems, locksmiths, central vacuums, and roof leaks. It's important for Liberty Lake homeowners to understand most home warranty plans have a 30-day waiting period before repairs are covered. The majority of 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. Stay current with preventative maintenance to ensure your next repair or replacement is covered.
Home warranties use several terms that you'll want to know 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 provide protection for heating, AC, plumbing, electrical, and appliances. More robust plans also include coverage for other items such as roof leaks, spas, pools, and well pumps. Look for a company that offers comprehensive coverage choices, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may look for 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 provider's reputation provides insight into things such as approval rates, repair timeliness, contractor quality, and customer satisfaction. Browse review platforms such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research providers. Good ratings and feedback indicate a provider known for exceptional service.
Home warranty providers maintain networks of local contractors to handle repairs in your area. Reach out to potential providers to ask how many repair technicians they have in Liberty Lake and get an idea for how fast your repairs could take place in an emergency situation. Bigger networks improve the likelihood of getting qualified contractors to quickly service your home.
Certain home warranty providers offer extras such as protection for smart home devices, discounts on maintenance, and energy-efficient upgrades. These can provide extra value beyond repair coverage. Extra perks help improve your home and help maximize your home warranty.
Home warranty policies are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Liberty Lake reaching an average high of 57℃F, you may find that certain appliances, like your air conditioner, get a lot of use. A home warranty can remarkably lower out-of-pocket costs should your HVAC system stop working.
A home warranty also can also save you time and energy. Instead of spending hours finding and choosing 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 benefit of having a home warranty is while selling your home, some providers let you transfer your home warranty policy to the new owners. This can make your home more attractive to potential homebuyers and help your home sell faster.
There are also some negatives to buying a home warranty policy, such as the coverage exclusions. For example, home warranties may not cover systems or appliances that already have a manufacturer's warranty.
Another possible pain point of home warranties is that they don’t cover items that have been improperly maintained. This can lead to your repair requests being denied, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Liberty Lake can cost anywhere from $30 to $60 a month. Higher-priced plans tend to have higher coverage limits, a lower service fee, 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 opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan helps protect against normal wear and tear to home systems and appliances. Homeowners insurance protects a home in case of a situation such as a natural disaster or fire. Under homeowners insurance, you will not be able to file a claim should you need a new dryer or dishwasher, unless the damage is a result of a natural disaster, which is somewhat common in Liberty Lake.
First-time homebuyers, homeowners, landlords, home sellers, and real estate agents 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 policy will cover your appliances, systems, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be helpful if you're concerned about one more than the other.
Home warranty plans generally offer coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month options as well.
Typically, the one who owns the home is responsible for paying for the home warranty. In some cases, though, the one selling the home may buy a home warranty policy and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Considering that the average home value in Liberty Lake is $566,828, a home warranty can be an added asset when buying a home.
