Best Home Warranty Companies in Washington (2021)

By Karen Ridder

Homeowners that purchase homes in Washington are often surprised by the change of seasons and fantastic weather that they get to experience. Due to the proximity to the coast, Washington residents can get a pretty wild weather pattern, making homeownership a bit tricky and stressful. The systems and appliances of Washington homes need to be adequately protected to avoid any issues that could come up. In our guide featuring the best home warranty companies in Washington, we will give you information on:

  • How to choose the best home warranty 
  • Why do Washington homeowners need a home warranty 
  • What the best companies in Washington are for home warranties

A home warranty is a policy that protects homeowners against large expenses associated with appliance and system repairs. When a dishwasher or an HVAC system breaks down, it can cost hundreds if not thousands of dollars; a home warranty plan will protect homeowners from these high costs. The problem with these plans is trying to narrow down the best home warranties in the industry. There are so many good choices on the market for Washington homeowners. However, if you have worked on this process and have found it quite challenging to break down the best home warranty companies in Washington, keep reading, and we can help. 

Washington Top 5 Home Warranty Companies

Dozens of companies will offer home warranty coverage in Washington. Each of these companies has its own unique platform and selling points. We took each of these companies and analyzed things such as coverage options, pricing, deductible, service fees, customer reviews, and more. Here is how the top 5 plans in Washington ranked. 

  1. Choice Home Warranty: Best Overall
  2. American Home Shield (AHS): Best Customizable Plans
  3. First American Home Warranty: Best Appliance Coverage
  4. Service Plus Home Warranty: Best for Immediate Service 
  5. Cinch Home Services: Best Workmanship Guarantee
Provider Website Best For… Monthly Cost Service Fee Years in Business BBB
Choice Home Warranty CHW Best Overall Basic Plan: $45/month

Total Plan: $53.33/month

$85 13 B-
American Home Shield AHS Best Customizable Plans ShieldSilver: $34.99-$49.99/month

ShieldGold: $44.99-$59.99/month

ShieldPlatinum: $59.99-$74.99/month

$75-$125 50 B
First American Home Warranty First American Best Appliance Coverage Basic Plan: $38/month

Premier Plan: $48.50/month

$75-$100 37 B+
ServicePlus Home Warranty ServicePlus Best for Immediate Service Gold Plan: $53.67/month

Platinum Plan: $60.33/month

$75 5 NR

 

Cinch Home Services Cinch  Best Workmanship Guarantee Appliances Plan: $34.99-$44.99/month

Built-in systems Plan: $39.99-$51.99/month

Complete Home Plan: $49.99/$51.99/month

$100-$150 40 A-

1. Choice Home Warranty

Best Overall

  • 2 plans available + optional add-ons
  • Has over 11 years of industry experience
  • 90-day repair guarantee
  • $46–$55 per month with $85 service fee

Choice Home Warranty is the best overall home warranty in the state of Washington. The Choice Home Warranty company has more than 13 years of experience in the Washington market. One of the things that you will find to be most unique about Choice Home Warranty is that they only offer comprehensive or combo plans. The plans are designed to have both system and appliance coverage, making them a better value than other plans on the market. In addition, even if you have an older home, Choice Home Warranty will still offer you coverage. With a solid BBB rating, excellent customer reviews, and affordable pricing, Choice Home Warranty easily takes the top spot as the best home warranty company in the industry. 

Choice Home Warranty has two plans to choose from. Although other companies may offer three or four plans, the options from Choice are quite impressive. The Total Plan tends to be the most popular because of the broad range of coverage that it offers. Choice Home Warranty also offers a fair amount of optional or add-on coverage to further extend the benefits of your home warranty plan. 

The add ons to the Choice Home Warranty plan include: 

  • Central vacuum
  • Limited roof leak
  • Septic system
  • Septic tank pumping
  • Sump pump
  • Well pump
  • Pool/Spa
  • Second refrigerator
  • Standalone freezer
Plan Price Per Month Price Per Year
Basic Plan  $45 $560
Total Plan $53.33 $660

The service fee for a Choice Home Warranty policy is $85. This is about average and helps the plan pricing to be about average overall. Most Washington homeowners will not complain about the pricing of the Choice Home Warranty plan. 

If you are new to the world of home warranties and need a plan that is simple to follow, has a straightforward contract, and excellent customer service, chances are Choice Home Warranty will be a perfect match.

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.  

For more information, read our Choice Home Warranty Review.

2. American Home Shield

Best Customizable Plans

  • 3 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
  • $35–$75 per month

American Home Shield is the most customizable plan in the home warranty industry. With the American Home Shield plan, you are going to be able to pick and choose the coverages that are necessary for your Washington home. With some homes having HVAC and others having a second refrigerator, customization of coverage is quite essential. In addition, American Home Shield has more than 50 years in the home warranty industry. When you are looking for an industry veteran, you will have to look no further than AHS. We love the fact that in addition to customizing your coverage, you can also customize the plan’s pricing to work with your budget. 

There are three plans to choose from on the American Home Shield home warranty. The first plan is just a systems plan; it is lower in price and covers just a few systems around the home. The other two plans are combo plans that will include a mix of appliances and systems. The combo or comprehensive plans tend to be the best choice because of the value that they offer. However, American Home Shield also provides quite a few add-on coverage options that can further increase the benefits found in this home warranty plan. AHS is known for its impressive pool and spa coverage. 

Some of the add on coverage that you can get with the American Home Shield warranty includes:

  • Electronic extended warranty
  • Pool and spas
  • Well pump
  • Septic pump
  • Guest unit
  • PC and TV
Plan Price Per Month Price Per Year
ShieldSilver Systems Plan $39.99 $479.88
ShieldGold Combo Plan  $49.99 $599.88
ShieldPlatinum Combo Plan $64.99 $779.88

The service fee for American Home Shield can range from $75 to $125. The higher your monthly payment price, the lower your service fee. Try to think about how often you will use your policy and which service fee makes the most sense for your home. 

There is no questioning the fact that American Home Shield offers some of the most premium home warranty coverage in the industry. If you care about the company reputation and history, this is the perfect choice for your Washington home.

To get a free quote from American Home Shield, you can fill out this form or call 888-365-2839.

To read more, visit our American Home Shield review.

3. First American Home Warranty

Best Appliance Coverage

  • 2 plans + optional add-ons
  • Covers improperly installed or maintained items
  • No cap on coverage for HVAC
  • $38–$48.50 per month

The First American Home Warranty is the best option for appliance coverage in Washington. Purchasing an appliance plan for your home is one of the best ways to start with home warranty coverage. At the low price that First American charges, you can see if this is a plan that will work for you long term. The First American Home Warranty has been in business for more than 37 years. This is a very long time, and they still maintain a BBB rating of B+. After all this time in the industry, First American Home Warranty has put together a very impressive home warranty plan that will adequately cover all of your appliances for a very fair price. 

There are two plan choices with First American. One is the appliance coverage, and the other is a comprehensive or combo plan. The combo plan allows you to have both systems and appliance coverage for a fair monthly price. However, we think one of the best choices from First American is to go with the appliance plan and then add on a few coverages that you think could work to give you more peace of mind about your home. 

The optional coverage choices from First American Home Warranty includes:

  • Central air conditioning (electric)
  • Additional refrigeration
  • Pool/Spa equipment
  • Well pump
  • Septic/septic tank pumping
  • First Class Upgrade (Fees associated with the use of lifting equipment, Up to $250 per local building permits, Haul away services, Appliances, and systems that have been insufficiently installed or modified)
Plan Price Per Month Price Per Year
Basic Plan  $38 $420
Premier Plan $48.50 $526

The First American Home Warranty has a service fee of $85, which is the exact same as our top pick, Choice Home Warranty. Overall the affordability of the appliance plan is one of the best you will find in the home warranty market. 

One of the things that homeowners need to think about when protecting appliances is that there is nothing stopping more than one appliance from breaking down at once. What happens when a refrigerator and a clothes washer go on the same day? This happens quite often, and a company like First American Home Warranty is well equipped to help.

To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. 

4. Service Plus Home Warranty

Best For Immediate Service

  • Offers 2 plans + optional add-ons
  • Provides a 24/7 claims hotline open 365 days a year
  • Has a 90-day parts guarantee
  • Allows customers to make unlimited service calls

ServicePlus Home Warranty is the best home warranty for immediate service. Although all home warranty plans will try to guarantee service within a short period of time, not all will have emergency service options. The ServicePlus home warranty allows you to put a claim in 24/7 to ensure the company starts working on processing it as soon as possible. Sometimes ServicePlus will have a repair technician to your home the same day that you request service. However, besides their fast service, this company has spent the last five years on the market and earned some impressive customer reviews. Overall the customer service and overall ease of use of the ServicePlus plan is quite impressive. 

The two plan options that ServicePlus gives Washington homeowners are both combo plans. The Platinum Combo is very popular because of the wide range of coverage. ServicePlus does offer add-on choices like a well pump, central vacuum, and even a pool or spa coverage as well. You should not have trouble finding the coverage you need for your Washington home. 

The optional coverage choices from Service Plus Home Warranty include:

  • Pool / Spa
  • Additional Spa
  • Limited Roof Leak
  • Central Vacuum
  • Sump Pump
  • Well Pump
  • Septic System
  • Septic Pumping
  • Second Refrigerator
  • Stand Alone Freezer
  • Water Softener
  • Refrigerator Ice Maker
  • Free Standing Ice Maker
  • Add’l A/C System (each)
  • Add’l Heading System (each)
  • Water Heater (each)
  • Add’l Garage Door Opener (each)
Plan Price Per Month Price Per Year
Silver Combo $53 $636
Platinum Combo $60 $720

The service fee of the ServicePlus Home Warranty is $75. This is a little lower than average, and when you combine it with the fair monthly pricing, you will find this to be an affordable home warranty plan. 

Even though Service Plus home warranty is not the oldest company in Washington, they may be one of the quickest. Speed of repairs is quite an important factor, and you will quickly learn what a valuable service it is to have your home back up and running in a very short period of time.

To get a free quote from Service Plus Home Warranty, you can fill out this online form or call 478-210-5091.

5. Cinch Home Services

Best Workmanship Guarantee

  • Offers 3 plans under $62 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

The Cinch Home Services Plan has the best workmanship guarantee for the Washington homeowner. When you have a home warranty plan in place, you will pay a service fee to have a repair completed; if this repair fails, some companies will charge an additional fee. However, with Cinch Home Services, there is a 180 day period that the initial repair will be covered under the plan. Most other companies offer only a 30 or 90 day window after a repair. Cinch Home Services has been in the home warranty industry for more than 40 years and has maintained an A- rating with the BBB. 

The Cinch Home Services three plans are pretty standard for the Washington Home Warranty market. You will find an appliance plan, a systems plan, and a combo plan to choose from. The combo plan offers the best value and combines the coverage in the other two plans. In addition to these main plan choices, there are other optional coverages that you can add to your Washington home warranty. 

The add ons or optional coverages from Cinch Home Services are:

  • Pool (includes heater)
  • Spa (includes heater)
  • Septic tank/plumbing
  • Well pump
  • Pool with spa (includes heater)
  • Premier Upgrade Package*
Plan Price Per Month Price Per Year
Appliances Plan $27.99 $335.88
Built-In Systems Plan $32.99 $395.88
Complete Home Plan $39.99 $479.88

The service fee for the Cinch Home Services plan range from $75 to $150. If you want lower monthly payments, you have to choose the higher service fee. The opposite is true if you want a lower service fee. Most Washington homeowners will settle on something that is right in the middle. 

Cinch Home Services is about as well known as American Home Shield when it comes to time spent in the industry. If you want a company that understands the needs of your Washington home and can help you have more peace of mind as a homeowner, Cinch Home Services can get it done.

Cinch Home Services will give you a free quote after filling out this form or calling 877-589-0505.

Washington Home Warranty Buying Guide

Now that you have the top five home warranty choices in Washington, it is time now time to narrow down which could be the best choice for your home. There are many different factors that will separate one company from another; three things to look out for are overall pricing, coverage limits, and customer reviews. 

  • Overall Pricing: The overall pricing of the plan is typically between $40 and $70 per month. However, you must also consider the service fees and the cost of add-on coverage. Ensure that you look at the coverage that is included in the price to ensure that you are getting a great deal. 
  • Coverage Limits: The coverage limits on your policy will help determine how much the plan will play out for a repair or a replacement. Coverage limits tend to range from around $500 to $3000. For Washington homes with higher-priced appliances and systems, the higher coverage limits are a necessity. 
  • Customer Reviews:  It is a good idea to look at the customer reviews of the plan you are considering purchasing. Customer reviews can give you insight into what would make the most sense for your Washington home. 

Top Home Maintenance Problems in Washington

Depending on where you live in Washington, your home can experience anything from sleet to snow to rain to temperatures over 100 degrees. This type of variation can make it difficult to maintain your home in excellent condition. Three home maintenance problems that Washington homeowners deal with include roof leaks, electrical system repairs, and heating system issues. Let’s take a look at how your home warranty policy could help in these situations. 

  • Roof Leaks: Washington is known for having quite a bit of rain throughout the course of a year. With the continual rain, there are sometimes issue with roof leaks. Having this coverage as part of the plan will help to ensure that the roof leaks you experience are handled at a very low cost.
  • Electrical System Repair: The electrical system in the home keeps all other appliances and systems functioning. When your electrical system goes down, it can cost hundreds of dollars just to diagnosis the issue. With a home warranty in place, electrical systems can be repaired for just the cost of a service fee. 
  • Heating System Issues: During those rainy months in Washington, it can be very cold. To get out of the damp conditions, you will need a proper heating system in place. Heating systems often have very expensive repair costs associated with them; the home warranty will help protect against that. 

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Our Conclusion

Hopefully, you now feel as though you can choose the proper home warranty for your Washington home. With all the great choices on the market, the Choice Home Warranty plan stands out as the best overall option. There are two impressive options, and excellent customer service team, and plenty of experience in the industry to help Choice Home Warranty stand out as the best overall choice. It makes sense to get a few quotes from several of these companies. You may end up having a clear winner stand out as the best home warranty for your Washington home. 

 

House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology.

We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home. Additionally, transparency and trust are our most important values for the reader.

That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to make sure no detail was left out.

To make the most of our research, we developed a formula to objectively determine the best home warranty companies based on the following criteria:

  • Plans: Do they provide a variety of plan options? We looked at the number of plans each company offered and the flexibility of adjusting the plan.
  • Prices: How reasonable are the monthly fees and service fees in comparison to the industry average? We compared the costs of each company to competitors.
  • Coverage: How many items are covered in each plan? We looked at the number of items each company covers. We dig into all service contracts available to get all the details.
  • Customer service: How is the customer experience when calling the providers? Based on our phone calls, we were able to judge each company’s customer service.
  • Trust: What do customers rate the company? We looked into what customers are saying about their experience with the company.
  • Nationwide availability: How many states does the company cover? We found the number of states covered by each company.
  • Unique perks: Does the company offer discounts or cover special items? We looked for perks offered by each company that sets them apart from the competition.

How do we keep our data up to date?

We want to make sure we’re providing you, the consumer, with the most current data available for every home warranty company we’ve researched and rated. That takes significant effort but we feel that’s vital to providing you thorough and trustworthy reviews.

With that in mind, we have dedicated staff members who regularly update our database of home warranty research.

For those that want to enjoy their years of being a veteran and come home to a house that is comfortable and functioning, a home warranty makes a lot of sense. For the price that a home warranty is offered, you will quickly learn that it is indeed a good value. At an average of around $40 per month, your policy will cost you just under $500 per year.

If you have ever had an appliance or a home system that needs repair, you probably understand quite well that you will quickly reach that $500 mark to get your home back up and running. Take your time to carefully consider your home warranty options, check around for veteran discounts and then give yourself the peace of mind that you deserve.

See the best home warranty companies in your state

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Frequently Asked Questions About Washington Home Warranties

How Much Does A Home Warranty Cost In Washington?

A Washington home warranty will cost anywhere from $35 to $80 per month. The lower-cost plans tend to have less coverage. Higher cost plans have more add-on options, lower service fees, and some great additional benefits. Overall the pricing of home warranty plans in Washington is about the same as you will see across other states. 

Does A Home Warranty Cover Replacement Costs?

Most home warranty plans are going to cover replacement costs as well as repair costs. The replacement costs on a home warranty will vary from one plan to the next. You can expect that home warranties will give you some money towards a replacement but don’t expect to have the entire replacement paid for. 

What Is The Best Home Warranty Company In Washington?

The best home warranty in Washington is Choice Home Warranty. The Choice Home Warranty has been around for 13 years and is known for excellent coverage, impressive customer service, and fair pricing. 

Is A Home Warranty Worth It? 

It will only take one or two repairs around your home for a home warranty to pay for itself. Having the peace of mind that you will always be able to keep your home in working and livable condition is the real value of a home warranty plan. Most Washington homeowners find that this is a wise investment for their homes. 

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