Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated June 2024
With hot summers and cool winters, keeping your home appliances and systems — especially your HVAC — in working order is extremely important for homeowners in Silverdale. A home warranty plan can help protect homeowners by cutting the costs of major repairs and replacements on your home’s most important appliances and systems.
Finding the best home warranty on the market can be overwhelming, as there are lots of companies to decide between. That’s why the Today's Homeowner team did the research and made a list of the best home warranty companies in Silverdale for you.
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 in Silverdale. AHS has more than 26 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. 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. AHS has 3 simple plans, making the selection process and policy coverage easily understandable.
American Home Shield offers 3 plans for Silverdale homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally around $2,500 at the maximum.
Read our full 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 offers the best home warranty for appliance coverage in Silverdale. First American has more than 39 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. 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. First American has 2 simple plans, making the selection process and policy coverage easily understandable.
First American Home Warranty offers 2 plans for Silverdale homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also generally around $1,500 at the maximum.
Read our full 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 offers the home warranty with the best workmanship guarantee in Silverdale. Cinch has more than 44 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. 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. Cinch has 3 simple plans, making the selection process and policy coverage easily understandable.
Cinch Home Services offers 3 plans for Silverdale homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally around $1,000-$2,000 at the maximum.
Read our full 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 offers the best home warranty with the quickest service in Silverdale. HSC has more than 15 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. 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. HSC has 2 simple plans, making the selection process and policy coverage easily understandable.
The Home Service Club offers 2 plans for Silverdale homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally around $2,000 at the maximum.
Read our full 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 | $6,557 |
| Heating | $4,372 |
| Electrical | $656 |
| Toilets | $546 |
| Washer/Dryer | $874 |
| Plumbing | $656 |
| Oven | $1,749 |
| Fridge | $656 |
A home warranty is a protection policy that helps lower expenses for Silverdale homeowners needing appliance and system repairs. These plans provide coverage to fix or swap out appliances and systems that break due to normal wear and tear.
Homeowners submit 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 cost of the repair or replacement exceeds the item's coverage limit. A home warranty plan gives homeowners peace of mind since it can help avoid expensive emergency repairs. They can be especially helpful for buyers of older homes or homes with appliances near the end of their life span. However, newer homes with modern appliances and fixtures may not need a home warranty.
Home warranties protect many household systems and appliances. Typical covered appliances are garbage disposals, refrigerators, microwaves, dryers, dishwashers, washers, and more. Protected systems include heating, electrical, air conditioning, and plumbing. Various home warranty plans offer extra coverage for septic systems, central vacuums, roof leaks, and even locksmiths. It's important for Silverdale homeowners to understand most home warranty plans have a 30-day waiting period before repair claims will be approved. Most policies also only cover 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. Be diligent about completing preventative maintenance to 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:
There are several important considerations when selecting a home warranty provider:
Home warranties differ greatly in the items covered. Basic policies typically provide protection for electrical, AC, heating, plumbing, and appliances, while more comprehensive options may also cover roof leaks, well pumps, spas, and pools. Focus on providers with broad coverage options including upgraded plans. Flexibility like this will help you customize protection for your home's needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which is paid per claim you submit. The costs from multiple fees can add up. You may decide to look for providers with lower service fees to maximize your savings on each claim. Some firms also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty provider's reputation can offer insight into things such as approval rates for claims, contractor quality, speed of repairs, and customer satisfaction. Look at third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research providers. Positive ratings and reviews indicate that a company is known for top-tier service.
Home warranty providers use networks of local repair professionals to manage repairs in a given area. Reach out to potential providers to ask how many repair professionals they have in Silverdale and get an idea of how quickly your repairs could be handled in an emergency. Bigger networks increase the chance of getting qualified contractors to swiftly service your home.
Some home warranty providers may include perks such as energy efficiency upgrades, smart home device coverage, and reduced maintenance fees. These extras can offer extra value beyond repair coverage. Extra bonuses help you enhance your home and get the most from your warranty policy.
Since temperatures in Silverdale can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Getting a home warranty policy can help homeowners save money if one of these systems or appliances breaks down unexpectedly.
A home warranty also saves 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 if you want to sell your home, some providers let you transfer your home warranty to the new owners. This can make your house more attractive to potential homebuyers and help your home sell faster.
Home warranties also have some drawbacks. Though it can be convenient that the home warranty sends out a service technician who handles the repair for you, some homeowners may not like this, and they would rather select a contractor themselves. If that’s important to you, some home warranty providers let you choose a contractor.
Another thing to take into consideration is that some companies don’t cover pre-existing problems and may require an inspection before your coverage can start. Ask the home warranty company for clarification about it if you need more information or if this is a problem for you.
A home warranty costs, on average, about $300 to $600 a year in Silverdale. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by choosing a higher service fee. Additionally, it's typically cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranties cover issues with systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of insurance that protects an entire home from natural disasters, which might not be too much of a concern in Silverdale. It doesn't cover a normal appliance or system breakage.
First-time homebuyers, homeowners, home sellers, landlords, and real estate agents can all get home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
The different types of home warranties in Silverdale include plans that cover either appliances or systems as well as combination plans. A combination plan will cover almost all your home systems and appliances, such as your washing machine, drier, and plumbing. An appliance or system plan will cover only the items listed in the policy.
Home warranty plans typically last a year. Many companies let you renew your plan annually, and some offer month-to-month plans as well.
Typically, the person who owns the home pays for the home warranty. In some cases, though, the home seller may purchase a home warranty plan and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Considering that the average home value in Silverdale is $565,840, a home warranty can save you some money when buying a home.
