4 Best Home Warranty Companies
in Spokane Valley, WA

by House Method Local Advisors - Updated August 10, 2022

A Spokane Valley home warranty can help protect you by reducing the costs of major repairs and replacements on your home's appliances and systems.

Being a homeowner in Spokane Valley is a great option for those who love up and coming cities. However, as great as Spokane Valley is, homeownership always comes with its fair share of hardships, such as trying to take care of your home repairs yourself.

Finding the best home warranty on the market can be quite time-consuming as there are so many companies to choose from. That's why the House Method team did the research and made a list of the top home warranty companies in Spokane Valley for you.


Best Customizable Plans
  • 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

Quickest Service
  • Policy starts in ten days
  • 24/7 customer service support
  • Generous coverage caps on important systems and appliances

Best Appliance Coverage
  • Established company with a BBB accreditation
  • Doesn’t have a coverage cap on heating, cooling, or ductwork
  • 24/7 service calls available

Choosing a home warranty company in Spokane Valley


The first step in protecting your real estate investment 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 policies. Options can vary, so consider the following factors when choosing a home warranty provider:

Quick reference for home warranty companies in Spokane Valley

$29.27 - $74.27/month
25 years in business
$50.40 - $62.90/month
14 years in business
$38.00 - $48.50/month
38 years in business
$34.99 - $67.99/month
43 years in business

Home Warranty Company and Plan Details


If you're a homeowner in Spokane Valley, you have access to some of the top home warranty providers in the US. House Method's experts have done the research to help you find the best home warranty for your home. Our decisions are based on several factors including coverage limits, customer reviews, policy plans, providers and their coverages, time in business, add-on options, monthly costs, workmanship guarantee, and more for accuracy. Here are how the top providers in Spokane Valley ranked:
  1. American Home Shield - Best Customizable Plans
  2. The Home Service Club - Quickest Service
  3. First American Home Warranty - Best Appliance Coverage
  4. Cinch Home Services - Best Workmanship Guarantee

American Home Shield

4.75

Best Customizable Plans

American Home Shield logo
MONTHLY COST $29.27 - $74.27
YEARS IN BUSINESS 25

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 for Spokane Valley residents. AHS offers 3 plans for homeowners to choose from. When you buy a home warranty from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.

American Home Shield has 3 plans that offer a combination of appliance and system coverage. AHS's service fees are customizable and range from $75 to $125, and the coverage limits come out to around $2,500 per covered system or appliance.

For more information, read our thorough review of American Home Shield. To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.

Home Warranty Plans from American Home Shield

ShieldSilver
Service fee: $75.00 - $125.00 Monthly cost: $29.27 - $44.27 Items covered: Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Locksmith, Plumbing, Plumbing stoppages, Toilet, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Spa, PC, TV, Septic, Well pump
ShieldGold
Service fee: $75.00 - $125.00 Monthly cost: $39.27 - $54.27 Items covered: Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Toilet, Trash compactor, Washer, Water heater, Whole house fan Add-on items: Pool, Spa, PC, TV, Septic, Well pump
ShieldPlatinum
Service fee: $75.00 - $125.00 Monthly cost: $59.27 - $74.27 Items covered: Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Locksmith, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Roof leaks, Toilet, Trash compactor, Washer, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Spa, PC, TV, Septic, Well pump

The Home Service Club

4.7

Quickest Service

The Home Service Club logo
MONTHLY COST $50.40 - $62.90
YEARS IN BUSINESS 14

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

The Home Service Club offers the best home warranty with the quickest service for Spokane Valley residents. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 simple plans, making the selection process and policy coverage easily comprehensible.

The Home Service Club has 2 plans that offer a mix of appliance and system coverage. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Spokane Valley area.

To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. To read more, visit our The Home Service Club Review.

Home Warranty Plans from The Home Service Club

Standard Coverage Plan
Service fee: $60.00 - $95.00 Monthly cost: $50.40 Items covered: Air conditioner, Ceiling fan, Dishwasher, Garbage disposal, Dryer, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Plumbing, Refrigerator, Trash compactor, Central vacuum, Washer, Water heater Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer
Comprehensive Coverage Plan
Service fee: $60.00 - $95.00 Monthly cost: $62.90 Items covered: Air conditioner, Alarm wiring, Attic fans, Ceiling fan, Dishwasher, Garbage disposal, Doorbell, Dryer, Ductwork, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Pest control, Phone, Plumbing, Plumbing stoppages, Refrigerator, Sump pump, Toilet, Trash compactor, Central vacuum, Washer, Water dispenser, Water heater, Whole house fan Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer

First American Home Warranty

4.5

Best Appliance Coverage

First American Home Warranty logo
MONTHLY COST $38.00 - $48.50
YEARS IN BUSINESS 38

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

First American Home Warranty is the best home warranty for appliance coverage for Spokane Valley residents. First American is a home warranty company with 38 years of experience in the industry, and it has become one of the best providers in the business. First American has established itself as a company with very affordable and comprehensive appliance coverage. It 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. The 2 plans from First American are easily comprehensible and offer both system and appliance coverage.

There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also generally around $1,500 at the maximum.

For a more detailed breakdown, read our First American Home Warranty full review. To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.

Home Warranty Plans from First American Home Warranty

Basic Plan
Service fee: $85.00 Monthly cost: $38.00 Items covered: Attic fans, Ceiling fans, Cooktop exhaust fan, Dishwasher, Disposal, Dryer, Microwave, Oven, Refrigerator, Trash compactor, Washer, Water dispenser Add-on items: Pool, Spa, Air conditioner, Septic tank, Septic, Well pump, First-class upgrade
Premier Plan
Service fee: $85.00 Monthly cost: $48.50 Items covered: Attic fans, Ceiling fans, Cooktop exhaust fan, Dishwasher, Disposal, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing system, Plumbing stoppages, Refrigerator, Toilet, Trash compactor, Vacuum, Water heater, Washer, Water dispenser Add-on items: Pool, Spa, Air conditioner, Septic tank, Septic, Well pump, First-class upgrade

Cinch Home Services

4.35

Best Workmanship Guarantee

Cinch Home Services logo
MONTHLY COST $34.99 - $67.99
YEARS IN BUSINESS 43

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 Spokane Valley, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has 3 simple plans, making the selection process quick and easy. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.

There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch's plans are around the $1,000-$2,000 mark for most major systems and appliances, and service fees are customizable and range from $75 to $150.

Read more by visiting our Cinch Home Services full review. To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.

Home Warranty Plans from Cinch Home Services

Appliances Plan
Service fee: $75.00 - $150.00 Monthly cost: $34.99 - $50.99 Items covered: Cooktop exhaust fan, Dishwasher, Dryer, Food center, Free-standing ice maker, Microwave, Oven, Refrigerator, Refrigerator ice maker, Trash compactor, Washer Add-on items: Pool, Septic, Well pump
Built-in Systems Plan
Service fee: $75.00 - $150.00 Monthly cost: $39.99 - $57.99 Items covered: Air conditioner, Smoke alarm, Attic fans, Bath exhaust fans, Ceiling fans, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Plumbing, Plumbing stoppages, Septic tank pumping, Spa, Sump pump, Toilet, Vacuum, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Septic, Well pump
Complete Home Plan
Service fee: $75.00 - $150.00 Monthly cost: $49.99 - $67.99 Items covered: Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Food center, Free-standing ice maker, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Refrigerator ice maker, Septic tank pumping, Spa, Sump pump, Toilet, Trash compactor, Vacuum, Washer, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Septic, Well pump

Additional home warranty information


Cost to replace or repair common home appliances and repair damages in Spokane Valley

AIR CONDITIONER
$6,126
HEATING
$4,084
ELECTRICAL
$613
TOILETS
$511
WASHER/DRYER
$817
PLUMBING
$613
OVEN/STOVE
$1,634
FRIDGE
$613

Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.

Looking to save big when things go wrong?

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What is a home warranty?

A home warranty is a protection plan that covers the cost of repairing or replacing major home systems and appliances when they stop working over time due to normal wear and tear. Having a home warranty in place can offer you some peace of mind and guard your savings account from large out-of-pocket costs. Most home warranty plans start about 30 days after purchasing the home warranty plan.

When you notice a problem with one of your appliances or systems, you can file a claim with your home warranty company. Then, a customer service representative will contact you about a repair technician coming over to take a look at the problem. The claim is then processed, and a homeowner will pay the predetermined service fee to schedule the repair for their home. This repair will usually happen within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees are between $60 and $150.

What does a home warranty cover?

Home warranty plans help protect your home systems and appliances. A home warranty can cover repairs and replacements that are due to normal wear and tear. Typical appliances covered under a home warranty plan include a refrigerator, dishwasher, garbage disposal, microwave, dryer, washer, and more. The systems that are most commonly covered will be plumbing systems, air conditioners, electrical systems, hot water heaters, and heating systems. The add-on coverage options can include spa, septic system, roof leak, pool, and sometimes even things like locksmith or pest control.

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 follow preventative maintenance guidelines, your home warranty will not cover it. Things such as pre-existing conditions, misuse, lack of maintenance, and cosmetic damages are excluded from a home warranty policy.

Is a home warranty worth it in Spokane Valley?


Benefits of a home warranty

Spokane Valley's cold winters can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty can help 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 unexpected money out of pocket.

Not only can a Spokane Valley home warranty save you some money on repairs and replacements, it saves you time too. Instead of needing to vet contractors by yourself, home warranty companies do the work for you and send a contractor from their network right to your door when you need them.

Downsides of a home warranty

One of the major drawbacks of a home warranty is not every home system and appliance you care about may be covered. It's important to weigh the different policies and opt for one that covers all the appliances, systems, and add-ons you need. Another thing to keep in mind is that some providers don't cover pre-existing conditions 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 an issue for you.

Whether or not a home warranty is worth it ultimately depends on your personal preference. Similar to any other kind of insurance policy or warranty, its purpose is to offer you some peace of mind, so you will have to decide how much that is worth to you.

Final Thoughts

Hopefully, you now feel like you can select the best home warranty for your Spokane Valley home. When it comes to home warranty company choices in Spokane Valley, the best overall is American Home Shield. It offers great coverage at an affordable cost. However, other companies reviewed above are also great choices for Spokane Valley residents.


Best Customizable Plans
  • 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

Quickest Service
  • Policy starts in ten days
  • 24/7 customer service support
  • Generous coverage caps on important systems and appliances

Best Appliance Coverage
  • Established company with a BBB accreditation
  • Doesn’t have a coverage cap on heating, cooling, or ductwork
  • 24/7 service calls available

Home Warranty FAQs


Which home warranty company is the best?

The best home warranty company in Spokane Valley is American Home Shield. American Home Shield an expansive network of professional contractors and a tremendous reputation in the Spokane Valley area.

When can you use a home warranty after purchasing it?

Most home warranty companies have a 30-day waiting period before you can file claims, but some may let you file sooner so be sure to check with the company about this.

What kinds of things are usually covered under a home warranty in Spokane Valley?

The systems and appliances in a home are covered under a home warranty policy in Spokane Valley. Everything from an oven to a swimming pool can be covered under a home warranty.

Is a home warranty necessary?

Many homeowners find a home warranty is worth it since it can help protect against unforeseen expenses. If you're worried about your finances and home maintenance, having a home warranty can help. One of the major advantages of a home warranty is that it can offer you some financial peace of mind.

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