A home warranty is a way to protect your savings account from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
Washington is a city that has so much delicious food, things to do, and some great homes. Homeownership in Washington has many benefits associated with it, but some downsides come along with it as well. For one, making sure that your home's systems and appliances get the repairs they need can make Washington homeownership quite tricky.
Finding the best home warranty on the market can be quite overwhelming as there are lots of companies to decide between. That's why our team at House Method did the research and compiled a list of the top home warranty companies in Washington for you.
The first step in protecting your home with a home warranty is determining which company's plan fits your needs. Consider the items in your home you need coverage for and compare the policies. Below is a list of factors that you'll want to take into account when picking a home warranty provider:
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
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A home warranty is a protection plan that reduces the cost of repairs when one of your home systems or appliances experiences a complication. A home warranty can help homeowners who need to stick to their budget and don't want to dip into their savings to pay for large repair or replacement expenses. Typically about 30 days after a home warranty plan is paid for, the coverage will start on your home systems and appliances.
When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty service provider. Most companies have an online portal to help you do this. After you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. At this point, you will pay the service fee, which is generally between $60 and $150 depending on what plan you have. Once the service fee is paid, a service technician will come to your home, assess the issue, and make the repair. As long as the repair is covered by the warranty and it's within the coverage cap, most homeowners will not have any other out-of-pocket costs after the service fee is paid.
A home warranty will cover systems and appliances that have stopped working from normal wear and tear. For instance, if your refrigerator suddenly stops working under normal use conditions, you can call your home warranty company. The appliances a home warranty typically covers include a dishwasher, clothes washer, refrigerator, cooktop, microwave, stove, clothes dryer, and more. The systems included are the water heater, plumbing, electrical, heating system, air conditioner, and more. The add-on coverage options can include roof leak, pool, septic system, spa, and sometimes even things like locksmith or pest control.
A Washington home warranty will only protect against normal wear and tear. If you are experiencing cosmetic issues with appliances or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, natural disasters, pre-existing conditions, and intentional breakages are not covered with a Washington home warranty.
Washington's mild winters and hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty will cover your home's appliances and systems if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the needed repairs, saving you from spending a lot of money out of pocket.
Another added benefit of having a home warranty plan is that it can raise your home's property value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new home buyers depending on the company you have your home warranty with.
Home warranties also have some downsides. Though it can be convenient that the home warranty sends out a service technician who does the repair for you, some homeowners may not like this, and they would prefer to select their own contractor. If that's the case for you, some home warranty providers allow you to select a contractor. Another downside is that home warranties may exclude some repairs, like those due to natural disasters. For example, if your HVAC system is damaged from an animal infestation, the systems and appliances that were impacted probably won't be covered by the home warranty.
Whether or not a home warranty is worth it ultimately comes down to your personal situation. Similar to any other sort of insurance policy or warranty, its purpose is to offer you some peace of mind, so you will have to be the judge of how much that is worth to you.
A home warranty in Washington can save you lots of money and offer you peace of mind when it comes to expensive home repairs and replacements. Choice Home Warranty stands out as the best overall provider. Its comprehensive coverage, fair pricing, and ease of use make it a great home warranty for Washington homeowners.
The top home warranty provider in Washington is Choice Home Warranty. Choice Home Warranty has an expansive network of professional technicians and a great reputation in the Washington area.
A home warranty is a contract that covers the repairs and replacements of major home systems and appliances.
A home warranty can help investors, home sellers, homebuyers, real estate agents, and homeowners. It can offer peace of mind to anyone involved in homeownership.
A home warranty policy covers repair and replacement costs for home systems and appliances. Home warranties only cover damage due to normal wear and tear and often don't cover something that happened as a result of a pre-existing condition.
Most home warranty plans will cover replacement costs as well as repair costs. How much the home warranty will cover varies 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.
A service fee is a cost that you must pay before a repair technician or contractor comes to your home to repair your home warranty-related problem. Prices typically range between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket expense that homeowners are subject to with a home warranty apart from the policy's premium.