When one of your systems or appliances stops working, a home warranty will step in to help you cover the costs. A home warranty plan can give homeowners the peace of mind they need to feel less stressed by homeownership.
Seattle is a city that has so much delicious food, things to do, and some beautiful homes. Homeownership in Seattle has many good things associated with it, but some downsides come hand in hand with it too. For one, making sure that your home's systems and appliances stay up to date can make Seattle homeownership quite pricey.
Finding the best home warranties on the market can be challenging because of the sheer number of options out there. If you are tired of trying to compare the different options, keep reading for our guide to the best home warranty providers in Seattle.
After reviewing the basics of home warranties in Seattle, your next step is to decide which company you'd like to receive a free quote from. Here is a list of some tips on purchasing a home warranty in Seattle:
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in Alaska
American Home Shield is the most customizable home warranty in Seattle. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, this is the home warranty for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 policies that AHS offers include differing levels of system and appliance coverage, as well as add-on options.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS's service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 for each covered appliance or system.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. For a more detailed breakdown, read our American Home Shield full review.
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the Better Business Bureau (BBB)
Only 2 plan options
In Seattle, The Home Service Club is the best home warranty with the quickest service. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans that HSC has include options for appliance and system coverage.
The Home Service Club offers 2 plans for Seattle homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. HSC's service fees are customizable and range from $65 to $90, and the coverage caps come out to about $2,000 per covered system or appliance.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. For more information on this provider, read our The Home Service Club Review.
Established company with a BBB accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
In Seattle, First American Home Warranty offers the best home warranty for appliance coverage. When you purchase a policy from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. First American has 2 simple plans, making the selection process quick and easy.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. First American's service fees are a reasonable $85, and the coverage caps come out to about $1,500 for each covered appliance or system.
To read more, visit our review of First American Home Warranty. To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska
In Seattle, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been operating for around 43 years, making it a highly regarded company in the industry. Cinch offers 3 plans for homeowners to choose from. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that offer a combination of system and appliance coverage. Cinch's service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 per covered appliance or system.
For a more detailed breakdown, read our Cinch Home Services Review. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505.
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
Get a free quote from our #1 recommended provider in Seattle
A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they break down over time due to normal wear and tear. Having one in place can give you some peace of mind and protect your savings account from big out-of-pocket costs. Most home warranty plans start about 30 days after buying the home warranty plan.
When one of your systems or appliances experiences an issue, you file a claim with your service provider. You can do so online or by calling them, and then a repair technician will come and fix the problem. At this point, you will pay the service fee. Service fees for home warranty customers range in price from $60 to $150. Most home warranties also have a coverage limit, which is the maximum cost per year or appliance that the home warranty company will cover for repairs and replacements.
A home warranty plan offers coverage on your home's major appliances and systems and it can help bring down how much you spend on maintaining your home. The appliances covered include a stove, microwave, refrigerator, clothes washer, cooktop, clothes dryer, dishwasher, and more. The systems included are the electrical, plumbing, heating system, air conditioner, water heater, and more. Add-on coverage options can vary by company but commonly include things such as a second refrigerator, septic system, central vacuum, sprinkler system, and plumbing stoppages.
An important thing to consider is that home warranties only cover normal wear and tear on your home systems and appliances. Things like lack of maintenance, cosmetic damages, pre-existing conditions, and misuse are not included in the home warranty policy.
Temperatures in Seattle can drop to the negatives in the winter, which means your heating system is likely to get a lot of use. As a homeowner in Seattle, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered if they need to be repaired or replaced.
Additionally, having a Seattle home warranty can help make your house more attractive to potential home buyers if you ever decide to sell later. Many home warranty providers will allow you to transfer your policy to a new owner and give them the same protection you've been benefiting from.
As for the drawbacks of home warranties, system and appliance coverage varies by company so it's important to understand what each policy covers and doesn't include in the contract. Additionally, if you don't maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty can be the solution to some of a homeowner's maintenance concerns, but ultimately, it's up to you to decide whether or not investing in one is the right move for you and your family. Be sure to do your research and read through any home warranty contracts that you're seriously considering getting to understand what repairs will and will not be covered under your contract.
Hopefully, you now feel like you can select the proper home warranty for your Seattle home. When it comes to home warranty company choices in Seattle, the best overall is American Home Shield. American Home Shield provides great coverage at an affordable cost.
Our pick for the best overall home warranty company in Seattle is American Home Shield but the right company for you will depend on factors like what appliances and systems you need coverage for.
A home warranty is a contract that covers the repairs and replacements of major home system components and appliances.
A home warranty protects against the normal wear and tear of home systems and appliances. Homeowners insurance protects your entire home in case of something like a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim if you need a new refrigerator or air conditioner, unless the damage is a result of a natural disaster.
A home warranty plan covers repair and replacement costs for systems and appliances in a home. Home warranties will not cover the intentional breaking of an appliance or pre-existing conditions.
Most home warranties are going to cover replacement costs in addition to 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.