Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Homeownership in Sammamish comes with many perks, but it also comes with its difficulties. Your home’s appliances and systems will eventually need repairs, and this could mean a burdensome expense. A home warranty can help protect homeowners by lowering the costs of major repairs and replacements on your home’s most important appliances and systems.
Finding the right protection for your home can be difficult, so our team at Today's Homeowner has compiled this guide to help you find the top home warranty companies in Sammamish. Keep reading for our top provider 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 Sammamish residents. AHS has 3 simple plans, making the selection process quick and easy. 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.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Sammamish area.
Read more by visiting our comprehensive review of American Home Shield. To receive a free quote from American Home Shield, you can 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
First American Home Warranty is the best home warranty for appliance coverage for Sammamish residents. First American has 2 simple plans, making the selection process quick and easy. 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.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. The coverage caps from First American are about $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Sammamish area.
Read more by visiting our comprehensive review of First American Home Warranty. To receive a free quote from First American Home Warranty, you can 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
Cinch Home Services is the home warranty with the best workmanship guarantee for Sammamish residents. Cinch has 3 simple plans, making the selection process quick and easy. 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.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Sammamish area.
Read more by visiting our comprehensive review of Cinch Home Services. To receive a free quote from Cinch Home Services, you can 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
The Home Service Club is the best home warranty with the quickest service for Sammamish residents. HSC has 2 simple plans, making the selection process quick and easy. 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 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Sammamish area.
Read more by visiting our comprehensive review of The Home Service Club. To receive a free quote from The Home Service Club, you can 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 | $7,569 |
| Heating | $5,046 |
| Electrical | $757 |
| Toilets | $631 |
| Washer/Dryer | $1,009 |
| Plumbing | $757 |
| Oven | $2,018 |
| Fridge | $757 |
A home warranty is a protection plan that helps cut costs for Sammamish homeowners needing appliance and system repairs. These plans provide financial coverage to repair or swap out appliances and systems that stop working due to normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the repair 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 costly emergency repairs. Home warranties are the most useful for older construction homes with aging systems. New homes with up-to-date appliances might not need a home warranty.
Home warranties cover many household systems and appliances. Typical covered appliances are microwaves, washers, refrigerators, garbage disposals, dryers, dishwashers, and more. Covered systems include electrical, plumbing, heating, and air conditioning. Many home warranty plans offer additional coverage for roof leaks, central vacuums, septic systems, and even locksmiths. Sammamish homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. What's more, most policies only address repairs and replacements due to normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or misusing a system or appliance. You must keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Before signing a home warranty contract, you should understand key terms like:
There are several key factors to consider when choosing a home warranty provider:
Home warranty coverage varies, although most plans include protection for heating, AC, plumbing, electrical, and appliances. More comprehensive options may also provide protection for other things such as pools, well pumps, spas, and roof leaks. Focus on providers with broad coverage options including upgraded plans. Flexibility like this will help you customize your plan to meet your home's needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which gets paid per repair request filed. These per-claim charges can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some providers also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty provider's reputation gives insight into things such as approval rates, repair timeliness, contractor quality, and customer service. Browse review platforms such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Good ratings and feedback indicate a provider known for great service.
Home warranty providers have networks of technicians to handle covered repairs. Bigger networks improve the probability of getting qualified technicians to service your home ASAP. Reach out to potential providers and ask how many contractors they have in Sammamish to get a sense of how quickly your repairs could happen in an emergency.
Home warranty companies might offer extras such as maintenance discounts, energy efficiency upgrades, and coverage for smart home devices. These extras can add value beyond repair coverage. Additional perks can maximize the usefulness of the home warranty.
Home warranty plans are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Sammamish reaching an average high of 54℃F, you may find that certain appliances, such as your A.C., get a lot of use. A home warranty can significantly bring down out-of-pocket costs should your HVAC system break down.
A home warranty also saves you time and energy. Instead of spending hours finding and selecting a contractor 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. Plus, though home warranty companies vary, some providers will let you transfer your warranty if you sell your home. This can make your house more attractive to potential homebuyers and maybe even help your home sell faster.
One major drawback of home warranties is not everything you care about may be covered. It’s important to compare the different plans and select one that covers all the appliances, systems, and add-ons you need.
Another thing to consider is that some companies don’t cover pre-existing issues and may require an inspection before your coverage can start. Ask the home warranty provider for clarification about this if you aren’t sure or if this is a problem for you.
A home warranty policy costs, on average, around $300 to $600 a year in Sammamish. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by opting for a higher service fee. Additionally, it's typically less expensive to pay annually rather than monthly.
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. Homeowners insurance protects your home in case of something such as a fire or natural disaster. Under a homeowners insurance plan, you won't 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 isn't that common in Sammamish.
A home warranty can help home sellers, investors, homebuyers, real estate agents, and homeowners. It can offer peace of mind and savings to anyone involved with homeownership.
A home warranty plan will cover your home’s 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 helpful if you're concerned about one more than the other.
Generally, a home warranty policy offers coverage for a year and can be renewed annually. Some providers may offer month-to-month plans.
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 will pay for the policy. This can then be transferred to the new homeowner, who has to pay the service fees. In Sammamish, where the median home value is $1,461,158, having the seller pay for the home warranty can be a good asset for your new home.
