Best Home Warranty Companies in Washington

By Karen Ridder

A home warranty policy is a type of home protection plan that helps you get affordable repairs and replacements for home components that break down due to normal wear and tear. Your home is made up of thousands of dollars’ worth of home systems and appliances, and investing in a home warranty plan can potentially help you avoid thousand-dollar repair bills down the line.

Are you looking for home warranty coverage, but don’t know where to begin your search? Our guide to the best home warranty companies in Washington will help you learn more and get started. 

Washington’s top 4 home warranty companies

Best workmanship guarantee

  • Offers 3 plans under $60 per month
  • Allows customers to choose between a $100, $125, or $150 service call fee
  • Covers repairs with a 180-day workmanship guarantee
  • Lets customers cancel for free within 30 days of their contract start day
Best HVAC Coverage

  • 2 plans + optional add-ons
  • Covers improperly installed or maintained items
  • No cap on coverage for HVAC
  • $28–$43 per month
Most comprehensive coverage

  • Offers 4 plans + optional add-ons
  • Guarantees parts and labor for the life of your membership
  • Lets members select their own service technician
  • Has unique benefits like free credit monitoring and discounted supplies

our rating9.1

AFC Home Club review
Best customizable plans

  • 4 plans + add-ons and the option to build your own plan
  • Customers can choose the service fee they want to pay
  • Provides generous coverage caps
  • $50–$55 per month

Top home maintenance problems in Washington

Is a home warranty really worth the price? Let’s take a look at a few of the most common home issues property owners in Washington face and how a home warranty policy can help you cover them.

  • Electrical system decay: If you live in Northwest Washington, your electrical system could be at risk of premature decay due to the humid climate. You can cover this decay in a home warranty plan with systems coverage.
  • Whole-house humidifier wear: Central Washington is arid and dry, which is why it’s common to find whole-house humidifiers in this area. This appliance can go through a large amount of strain, as it works overtime in the summer seasons. Though most home warranty companies don’t include this as a standard coverage under their appliances plans, they may offer coverage as an optional add-on.
  • Heating system breakdowns: All parts of Washington state experience harsh winters, which causes homeowners to rely more heavily on their home heating systems. If your heating system breaks down due to stress, a systems plan can provide you with an affordable repair. 

1. Cinch Home Services

Cinch Home Services combines both comprehensive coverage and affordable pricing. You can get coverage for less than $40 a month even with the company’s combo plan that covers close to 30 systems and appliances.

Cinch Home Services currently offers three plan choices:

  • Appliances Plan: The Appliances Plan covers 12 of your home appliances.
  • Built-In Systems Plan: The Built-In Systems Plan includes coverage for 16 home systems.
  • Complete Home Plan: The Complete Home Plan includes all of the coverages in both the Appliances Plan and the Built-In Systems Plan. It also includes coverage for up to $500 of your homeowners insurance deductible.

Here’s what you can expect to pay for your coverage from Cinch:

Plan Price per month Price per year (with annual discount)
Appliances Plan From $27.99 $285.88 ($50 annual savings)
Built-In Systems Plan From $32.99 $345.88 ($50 annual savings)
Complete Home Plan From $39.99 $379.88 ($100 annual savings)

When you sign up with Cinch, you’ll choose a service fee of $100, $125, or $150. 

Claim a custom quote from Cinch Home Services by filling out this online form or calling 833-743-1056.

2. First American Home Warranty

With over 35 years in business, First American Home Warranty is another one of the longest-standing home warranty providers in the country. First American Home Warranty is best known for its optional First Class Upgrade, which extends your policy to include refrigerant reclaim and recapture, components that were improperly installed or maintained, building permits, and more. 

First American Home Warranty currently offers two policy choices to homeowners in Washington:

  • Basic Plan: The Basic Plan includes coverage for nine home appliances.
  • Premier Plan: The Premier Plan covers all of the home appliances found in the Basic Plan plus eight of your home systems.

Here’s what you can expect to pay for your plan:

Plan Price per month Price per year
Basic Plan $28 $336
Premier Plan $42.50 $510

You’ll also pay a $75 service fee each time you receive a repair.

Claim a custom quote from First American Home Warranty by filling out this online form or calling 833-204-7164.

3. America’s First Choice Home Club

America’s First Choice (AFC) Home Club is best known for its choose-your-own technician policy. While most home warranty providers select a technician for you when you need a repair, AFC Home Club allows you to pick your contractor, which is especially useful if you already have a trusted professional.

AFC Home Club offers four policy choices in Washington:

  • System Plan: The System Plan covers six of your home systems.
  • Silver Plan: The Silver Plan covers nine of your home appliances.
  • Gold Plan: The Gold Plan offers coverage for all of the home systems and appliances included in both the Silver Plan and System Plan.
  • Platinum Plan: The Platinum Plan covers everything in the Gold Plan plus a few additional components.

Take a look at how much AFC Home Club policies cost:

Plan Price per month Price per year
System Plan $43.18 $450
Silver Plan $43.18 $400
Gold Plan $52.27 $550
Platinum Plan $59.09 $625

AFC Home Club allows you to choose a $75, $100, or $125 service fee when you sign onto your plan. 

Claim a custom quote from AFC Home Club by filling out this online form or calling 877-755-1115.

4. American Home Shield 

American Home Shield is one of the oldest home warranty providers in the United States with nearly 50 years in business. In addition to its long history, the company is also known for its generous coverage caps, which cover more repairs to the appliances and systems in your plan. 

American Home Shield has three plan options in Washington:

  • Systems Plan: The Systems Plan covers 12 of your home systems.
  • Appliances Plan: The Appliances Plan covers 10 home appliances.
  • Combo Plan: The Combo Plan includes coverage for everything in both the Appliances Plan and the Systems Plan.

Here’s what you can expect to pay for your American Home Shield coverage: 

Plan Price per month Price per year
Systems Plan $49.99 $599.88
Appliances Plan $49.99 $599.88
Combo Plan $59.99 $719.88

Like with AFC Home Club, you’ll choose a service fee between $75 and $125.

Claim a custom quote from American Home Shield by filling out this online form or calling 888-365-2839.

Washington home warranty buying guide

It’s a good idea to begin your home warranty search by comparing factors like pricing, customer service, and levels of coverage. Let’s take a look at a few additional factors you might want to consider when choosing your home warranty plan.

  • BBB profile: The Better Business Bureau (BBB) is a non-profit organization that rates companies across several industries to help customers find high-quality service. You’ll want to consider what a home warranty company’s letter grade is with the BBB, as this indicates how well the company responds to customer concerns, giving you insight into the quality of the company’s customer service.
  • Home inspection: Some home warranty companies won’t offer you coverage until you get a home inspection. This isn’t necessarily a downside, as a home inspection ensures that both parties know what systems and appliances are working so that the provider can’t deny coverage for a repair down the line. However, it does slow down the purchasing process.
  • Add-ons: Along with a company’s base policies, you’ll also want to look at its list of optional add-ons. These add-ons allow you to customize your plan, which is especially useful if you have unique components like a second refrigerator or sump pump that most homes don’t need coverage for.

Our conclusion

If Cinch Home Services, First American Home Warranty, AFC Home Club, and American Home Shield are the best home warranty providers in Washington, which company should you choose to provide you with a policy? The answer will vary depending on your specific home and budget. That’s why we recommend getting quotes from every provider in this review so that you can see what each can do for you. 

Frequently asked questions about Washington home warranties

What do home warranties usually cover?

Coverage will vary by home warranty provider. However, you can typically count on most plans to cover either a set of major appliances, like your oven, refrigerator, and microwave, or a set of systems, like your plumbing system, electrical system, and HVAC system. Most home warranty providers also offer comprehensive plans that cover both systems and appliances.

What will my home warranty not cover?

Home warranties won’t cover any breakdown that’s not caused by normal wear and tear. Your contract will also lay out other limitations, like exclusions of certain parts of a covered system or appliance or caps on how much money they’re willing to pay over the entire contract term.

How much does a home warranty in Washington cost?

Expect to pay between $300 and $700 per year in home warranty premiums. You’ll also pay a service fee between $75 and $150 each time you use your plan. 

See the best home warranty companies in your state

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