A home warranty can give you the peace of mind you need about your home and protect your bank account from large expenses by covering your home's major systems and appliances.
Although homeownership in Washington has a great number of advantages, such as life in a vibrant city, there are also downfalls, similar to owning a house anywhere else. One major issue many homeowners have to deal with eventually is replacing or repairing their appliances and home systems.
Finding the right home protection plan for your Washington home can be challenging, so our team at House Method did the research for you to help you find the top home warranty in Washington. Keep reading for our home warranty recommendations and find out which plan works best for your home.
Determining the right provider for your home warranty is the first step toward protecting your house. When figuring out which home warranty company is the best one for you, here are some important factors to keep in mind:
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 covers 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 generally goes into place about thirty days after making your first payment.
When you notice an issue with one of your appliances or systems, you can submit a claim with your home warranty company. Then, a customer service representative will reach out to you about a contractor coming over to look at the problem. Once you submit the claim, it will be assigned to a local repair technician that will come to your home and fix the problem. At this point, you pay your service fee. Service fees usually range in price from about $60 to $150 and this is the only out-of-pocket fee you will have to pay unless the repair cost is more than your home warranty's coverage limit.
A home warranty offers coverage on your home's major appliances and systems and it can help reduce the cost of maintenance on your home. The appliances commonly covered under a home warranty plan are the washing machine, dishwasher, refrigerator, oven, microwave, dryer, and more. System coverage typically includes plumbing, water heaters, air conditioning, heating systems, electrical systems, and more. Many plans also have add-on coverage options like septic systems, central vacuum, roof leaks, and even locksmith.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your home and maintain them properly, the home warranty will not cover it. Things such as cosmetic damages, pre-existing conditions, misuse, and lack of maintenance are not covered by a home warranty policy.
Washington is known for its mild winters and hot summers, and if you live in Washington, you know that the weather can be unpredictable. During the summer months, your air conditioner can be overloaded in its effort to combat the heat. In the event that your air conditioner did stop working, a home warranty can cover repairs and prevent you from spending out-of-pocket expenses.
A home warranty can also offer value in other ways. For example, some policies can be transferred to another owner during a home sale.
Home warranties also have some cons. While it can be convenient that the home warranty sends out a repair person who takes care of the repair for you, some may not like this, and they may want to select a contractor themselves. If that's important to you, some home warranty providers let you select a contractor. Another consideration is that home warranties typically only cover repairs needed due to normal wear and tear. They most likely won't cover home systems or appliances that have need repairs or replacements due to improper maintenance, natural disasters, animal infestations, etc.
A home warranty can help with some of a homeowner's maintenance worries, but ultimately, it's up to you to determine if investing in one is the right choice for you and your family. Be sure to do your research and read over any home warranty contracts that you're seriously considering purchasing to get a sense of what repairs will and will not be covered under your contract.
Hopefully, you now feel like you can choose the right home warranty for your Washington home. When it comes to home warranty companies in Washington, the best overall is Choice Home Warranty. With its comprehensive coverage, affordable cost, and a good reputation in the industry, Choice Home Warranty has a lot to offer.
The best overall home warranty company in Washington is Choice Home Warranty but the right company for you will vary based on factors like what appliances and systems you need coverage for.
Home warranty policies cover problems related to systems and appliances that need to be repaired or replaced due to normal wear and tear. The homeowner's insurance policy is a larger plan that protects one's entire home from natural disasters and fires. It doesn't cover typical appliance or system damage.
A home warranty plan covers repair and replacement costs for systems and appliances in a home. Home warranties only cover damage due to normal wear and tear and usually don't cover pre-existing conditions.
Most home warranties 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.
The service fee is the price you pay every time there's an issue with a system or appliance. The service fees are commonly priced between $60 and $150.