A home warranty is a way to protect your savings from unexpected large expenses. With a home warranty in place, your repair costs can be remarkably lower and allow you to live in your home with more peace of mind.
Many living in Washington have made their dream of owning a home into a reality. However, as great as Washington can be, there are always downsides that come with owning a home, such as keeping your home's systems and appliances maintained.
Since the home warranty market is saturated with many providers — all with different plans — the House Method team decided to do the research for you to help you find the right home warranty in Washington.
The first step in protecting your house with a home warranty is determining which provider's plan is right for you. Think about the appliances and systems in your home you'd like coverage for and compare the plans. Policies can vary, so take into consideration the following factors when deciding on a home warranty company:
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 for home systems and appliances. When your refrigerator breaks down and the repair will cost several hundred dollars, a home warranty will make sure that all you have to pay is a predetermined service fee. Home warranty coverage usually starts without an inspection and you can generally start using it about thirty days after making your first payment.
When you have a system or appliance that has an issue, you file a claim with your service provider. You can do so in an online portal or by calling them, and then a technician will come and fix the problem. After that, you will pay the service fee. Service fees for home warranty customers range in price from $60 to $150. Most home warranty plans also have a coverage cap, which is the maximum amount per year or appliance that the home warranty will cover for repairs and replacements.
A home warranty plan will cover home systems and appliances from normal wear and tear. The appliances a home warranty typically covers include a stove, microwave, dishwasher, clothes dryer, cooktop, clothes washer, refrigerator, and more. The systems included are the plumbing, electrical, heating system, air conditioner, water heater, and more. Add-on coverage options can vary by company but typically include things like a sprinkler system, plumbing stoppages, central vacuum, second refrigerator, and septic system.
A Washington home warranty will only cover repairs and replacements due to 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.
Home warranty plans are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Washington hitting upward of 59 degrees in the summer, you may find that some appliances, like your air conditioning system, get a lot of use. A home warranty can significantly bring down your out-of-pocket costs should your HVAC system break down.
Additionally, though it varies by company, some providers will let you transfer your warranty if you sell your home. This can make your house more attractive to potential home buyers and help your home sell faster.
Home warranties also have some drawbacks. Although it can give you less to worry about since the home warranty sends out a contractor who handles the repair for you, some homeowners may not like this, and they would rather select their own contractor. If that's the case for you, some home warranty plans let you select a contractor. Another thing to take into consideration is that some providers don't cover pre-existing damage and may require an inspection before coverage begins. Ask the home warranty company for clarification about this if you need more information or if this is a problem for you.
Homeownership is a big responsibility that can be costly, but rewarding. A home warranty is one thing that can help ease the costs of home maintenance, but whether or not it's worth it for you is something you'll have to determine before purchasing a policy.
A home warranty in Washington can save you thousands of dollars and offer you peace of mind when it comes to costly home repairs and replacements. All of these top companies have impressive histories and backgrounds and coverage plans. Among them, Choice Home Warranty stands out as the best overall choice. It offers great coverage of all the essential home systems and appliances at an affordable cost with several add-on options.
Our pick for the best overall home warranty in Washington is Choice Home Warranty but the right company for you will depend on factors such as what appliances and systems you need coverage for.
A home warranty plan covers the normal wear of systems and appliances in a home. A homeowners insurance plan protects your home in case of something like a natural disaster or fire. With a homeowners insurance plan, you will not be able to file a claim should you need a new dryer or stove, unless the damage is a result of a natural disaster.
Usually coverage for a home warranty policy begins 30 days after the payment receipt. However, a few providers may allow you to file a claim before this, so check with customer service to find the exact waiting period for your case.
Home warranties cover the cost of repairs and replacements as long as it is within the coverage limits of the plan. If the replacement costs more than the home warranty plan covers, you will have to pay the rest out of pocket.
The service fee is the price homeowner pay each time there's a problem with a home system or appliance. The service fees are commonly priced between $60 and $150.