Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Pasco offers homeowners some great living options. However, unexpected repair and replacement costs on your home’s appliances and systems can get quite costly. A home warranty in Pasco can help bring down your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that malfunction due to normal wear and tear.
Finding the best home warranty on the market can be quite a challenge because of the sheer number of options available. If you're overwhelmed by trying to compare them all, keep reading for our guide on the best home warranty companies in Pasco.
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 in Pasco. AHS has been operating for more than 26 years, making it a highly regarded company in the industry. AHS has 3 plans for you to decide between. 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.
American Home Shield has 3 plans that provide a combination of system and appliance coverage. 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.
Read our review of American Home Shield to learn more. To get 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 is the best home warranty for appliance coverage in Pasco. First American has been operating for more than 39 years, making it a highly regarded company in the industry. First American has 2 plans for you to decide between. 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.
First American Home Warranty has 2 plans that provide a combination of system and appliance coverage. 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.
Read our review of First American Home Warranty to learn more. To get 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 is the home warranty with the best workmanship guarantee in Pasco. Cinch has been operating for more than 44 years, making it a highly regarded company in the industry. Cinch has 3 plans for you to decide between. 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.
Cinch Home Services has 3 plans that provide a combination of system and appliance coverage. 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.
Read our review of Cinch Home Services to learn more. To get 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 is the best home warranty with the quickest service in Pasco. HSC has been operating for more than 15 years, making it a highly regarded company in the industry. HSC has 2 plans for you to decide between. 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.
The Home Service Club has 2 plans that provide a combination of system and appliance coverage. 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.
Read our review of The Home Service Club to learn more. To get 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 | $6,020 |
| Heating | $4,013 |
| Electrical | $602 |
| Toilets | $502 |
| Washer/Dryer | $803 |
| Plumbing | $602 |
| Oven | $1,605 |
| Fridge | $602 |
A home warranty is a protection plan that helps Pasco homeowners in reducing the expenses of appliance and system repairs. The plans offer financial coverage to replace or repair appliances and systems that break down due to normal wear and tear.
When something stops working, you file a claim and pay a service fee. The home warranty company then finds a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives peace of mind to homeowners, as it helps prevent costly emergency repairs. Home warranties are the most useful for older construction homes with aging systems. New homes with modern appliances might not need a home warranty.
Home warranties cover many home systems and appliances. Common covered appliances are refrigerators, garbage disposals, dishwashers, dryers, microwaves, washers, and others. Protected systems include plumbing, heating, air conditioning, and electrical. Many home warranty plans offer extra coverage for central vacuums, septic systems, roof leaks, and even locksmiths. It's important for Pasco homeowners to understand most home warranty plans have a waiting period of 30 days before repairs are covered. Most policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misusing a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should understand key terms like:
There are several important factors to consider when selecting a home warranty provider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans include protection for AC, electrical, heating, plumbing, and appliances. More inclusive options also cover other items such as pools, spas, well pumps, and roof leaks. Look for providers with flexible coverage choices, including upgraded plans. This allows you to customize your plan to your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, some homeowners prefer to choose a provider with more affordable fees to maximize savings on every claim. Some providers also eliminate deductibles for homeowners who don't file claims in a certain period.
A home warranty provider's reputation provides insights into factors such as claim approval rates, repair speed, contractor expertise, and customer satisfaction. Look at review sites like the Better Business Bureau (BBB), TrustPilot, or Google Reviews to learn more about providers. Favorable ratings and feedback suggest a company known for quality service.
Home warranty providers use networks of local repair technicians to manage repairs in a given area. Reach out to potential providers to learn the number of repair professionals they have in Pasco and get an idea of how quickly your repairs could be handled in an emergency. Bigger networks increase the probability of getting qualified contractors to swiftly service your home.
Certain home warranty companies provide perks such as protection for smart home devices, energy-efficient upgrades, and discounts on maintenance. These can offer extra value beyond repair coverage. Added perks enhance your home and maximize your home warranty.
Temperatures in Pasco can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a good bit of use. As a homeowner in Pasco, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered if they have to be repaired or replaced.
Not only can a home warranty save you money on repairs and replacements, it saves you time as well. Instead of needing to vet contractors yourself, home warranty providers do the work for you and send pre-screened technicians right to your door when you need them. Another added benefit of having a home warranty policy is that it can raise your home’s property value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you purchased your home warranty through.
One drawback of signing up for a home warranty is that there are generally exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may not be included in the home warranty, so it’s important to read over the contracts you’re considering carefully to get a sense of what is included and what isn’t.
Another thing to consider is that some providers don’t cover pre-existing issues and may require an inspection before coverage begins. Ask the home warranty provider for clarification about this if you need more information or if this is a problem for you.
A home warranty in Pasco can cost between $30 and $60 a month. Higher-priced plans typically have broader coverage, higher coverage limits, and a lower service fee. This cost is often lower if you pay annually instead of monthly. Some companies will also lower your up-front costs when you agree to 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 covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects the entire home in a situation such as a fire or natural disaster. With homeowners insurance, you won't be able to file a claim if you need a new dryer or dishwasher, unless the damage is due to a natural disaster, which is somewhat common in Pasco.
First-time homebuyers, homeowners, home sellers, landlords, and real estate agents are all eligible for home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
The different types of home warranties in Pasco include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan will cover many of your home systems and appliances, including your dishwasher, washing machine, and HVAC. A plan that only covers appliances or systems will cover only the items mentioned in the contract.
Generally, a home warranty policy offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month options.
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 Pasco, where the median value of a home is $405,732, having the seller pay for the home warranty can save you some money on your new home.
