Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
With a variety of seasons in Pullman, your home systems can experience quite a bit of wear and tear. There’s nothing worse than having your heater go out in the middle of winter. A home warranty can help protect you by covering major repairs and replacements on your home’s most important systems and appliances.
The home warranty market has many providers — all with different plans — so the Today's Homeowner team has compiled this guide to help you find the best home warranty companies in Pullman.
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 Pullman residents. AHS has about 26 years of industry experience and in that time has built a an expansive network of service professionals in the country. AHS has 3 plans for homeowners to decide between. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For more information on this provider, read our full 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 Pullman residents. First American has about 39 years of industry experience and in that time has built a an expansive network of service professionals in the country. First American has 2 plans for homeowners to decide between. First American offers very affordable and comprehensive appliance coverage. Plus, 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. For more information on this provider, read our full 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 Pullman residents. Cinch has about 44 years of industry experience and in that time has built a an expansive network of service professionals in the country. Cinch has 3 plans for homeowners to decide between. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For more information on this provider, read our full 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 Pullman residents. HSC has about 15 years of industry experience and in that time has built a an expansive network of service professionals in the country. HSC has 2 plans for homeowners to decide between. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For more information on this provider, read our full 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 | $6,038 |
| Heating | $4,025 |
| Electrical | $604 |
| Toilets | $503 |
| Washer/Dryer | $805 |
| Plumbing | $604 |
| Oven | $1,610 |
| Fridge | $604 |
A home warranty is a protection plan that helps reduce the high costs for Pullman homeowners needing appliance and system repairs. These plans provide financial coverage to repair or replace appliances and systems that stop working due to 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 repair or replacement costs exceed the item's coverage limit. A home warranty gives peace of mind 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's systems and appliances. Typical covered appliances include dryers, refrigerators, washers, garbage disposals, dishwashers, microwaves, and others. Protected systems include air conditioning, electrical, plumbing, and heating. Many home warranty plans offer extra coverage for central vacuums, septic systems, roof leaks, and even locksmiths. Pullman homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. What's more, most policies only cover the cost of repairs and replacements due to normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or misusing a system or appliance. Remember to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Here are some key home warranty words to know before signing a contract:
When choosing a home warranty provider, there are several important factors to consider:
Home warranty coverage varies, although most plans cover heating, electrical, AC, plumbing, and appliances. More comprehensive options may also provide protection for extra things such as spas, pools, well pumps, and roof leaks. Focus on providers with broad coverage options including upgraded plans. This flexibility enables you to customize protection for your home's needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using companies with more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty company's reputation provides insights into factors such as repair speed, contractor expertise, claim approval rates, and customer satisfaction. Look at review sites like TrustPilot, the Better Business Bureau (BBB), or Google Reviews to learn more about providers. Good reviews and ratings suggest a company known for delivering quality service.
Home warranty providers keep networks of technicians to handle covered repairs. Bigger networks raise the likelihood of getting qualified technicians to quickly service your home. Reach out to potential providers and ask how many contractors they have in Pullman to get a sense of how quickly your repairs could be handled in an emergency.
Certain home warranty providers offer perks such as protection for smart home devices, energy-efficient upgrades, and discounts on maintenance. These bonuses offer extra value beyond repair coverage. Extra perks can enhance your home and maximize your home warranty.
Temperatures in Pullman can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a good bit of use. As a homeowner in Pullman, one benefit of having a home warranty is that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
Not only can a home warranty save you some money on repairs and replacements, it saves you time as well. Instead of needing to vet service technicians yourself, home warranty providers do the work for you and send pre-screened technicians right to your door when you need them. A home warranty can also provide value in other ways. For instance, some policies can be transferred between owners during a home sale.
There are also some negatives to buying a home warranty policy, such as the coverage exclusions. For instance, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Another potential pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your claims 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 plan costs, on average, around $300 to $600 a year in Pullman. Our top-rated home warranty providers' 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. Additionally, it's typically less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranties cover issues with 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 the entire home from natural disasters, which might not be too much of a concern in Pullman. It doesn't cover a normal appliance or system damage.
A home warranty plan can help homeowners, investors, real estate agents, homebuyers, and home sellers. It can offer peace of mind to anyone involved in homeownership.
The different kinds of home warranties in Pullman include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers almost all your systems and appliances, including your refrigerator, washing machine, and plumbing. A plan that only covers appliances or systems will cover only the items listed in the contract.
Generally, a home warranty policy lasts for a year and can be renewed yearly. Some companies may offer month-to-month options.
In general, 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 given to the new homeowner, who has to pay the service fees. In Pullman, where the median value of a home is $425,997, having the seller pay for the home warranty can be a good asset for your new home.
