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Best Home Warranty Companies In washington 2024

From majestic mountains to stunning coastlines, Washington’s beauty comes with unique homeownership challenges. This guide explores the best home warranty companies in Washington, helping you find a plan to shield your essential systems and appliances year-round.  Enjoy peace of mind and avoid unexpected repair costs – explore the best warranty options for your Washington home!

Our Picks: 5 Best Home Warranty Companies For washington Residents

Now that we've explored the benefits of top home warranties in Washington let's delve into the specific companies! Here's our list of the top 5 home warranty companies for Washington residents in 2024.

The Industry Leader
4.5 | fourhalf_star Excellent

Monthly Cost

$29 - $89

Service Fee

$100 & $125

Response Time

Up to 48 hours

Best For Add-ons
4.7 | fourhalf_star Excellent

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

3.9 | threehalf_star Excellent

Monthly Cost

$45 - $84

Service Fee

$125

Response Time

Within 48 hours

Best For Separate Coverage Options
4.7 | fourhalf_star Excellent
$150 Off + 2 Months Free

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

2.8 | twohalf_star Good

Monthly Cost

$47 - $87

Service Fee

$75, $100 & $125

Response Time

Up to 48 hours

Is Home Warranty Plans Beneficial For Washington Homeowners?

Here is more as to how home warranty plans will be beneficial to Washington homeowners;

  • Washington's weather can be a double-edged sword. While beautiful, the state's wet winters and hot, dry summers can strain home systems like heating and air conditioning. Home warranty plans can help Washington homeowners by covering repairs or replacements for covered components stressed by the climate.
  • From mountain snow to coastal rains, Washington's diverse geography presents unique challenges for homeowners.  A home warranty offers peace of mind, knowing covered repairs for essential systems won't break the bank,  no matter where you are located in the state.
  • Parts of Washington are susceptible to flooding, while others experience freezing temperatures.  Home warranty plans can provide valuable protection for covered plumbing and heating systems that these weather events could damage.
  • Washington is earthquake-prone. While home warranties typically don't cover earthquake damage itself, they can help with the aftermath.  Home warranties can lessen the financial burden after a seismic event by covering repairs or replacements for covered appliances and systems damaged by an earthquake.
  • Washington's heavy rain and snowfall can take a toll on roofs. Home warranty plans may offer coverage for repairs to covered roof components,  easing the stress and cost of roof maintenance for homeowners.

How Much Does A Washington Home Warranty Cost?

Here's a breakdown of the average costs associated with a home warranty in Washington:

Average Annual Cost

$425 - $892

Average Monthly Cost

$35 - $74

Average Service Fee (Deductible)

$75 - $100

It's important to remember that these are just averages. The actual cost of your home warranty will depend on several factors, including:

  • Size and age of your home: Larger and older homes tend to have more expensive repairs, so the warranty will likely cost more.
  • Level of coverage you choose: Basic plans covering only major appliances will be cheaper than comprehensive plans covering appliances and home systems specific to Washington, like septic systems or well pumps.
  • Home warranty company you select: Different companies have different pricing structures and coverage options.

Home Warranty Coverage In Washington

From the majestic Cascade Mountains to Puget Sound’s salty air, Washington’s stunning beauty presents unique challenges for homeowners.  Constant rain can lead to roof leaks, while lush greenery can strain septic systems.  And Washington’s unpredictable weather keeps HVAC systems busy. A home warranty can shield you against unexpected breakdowns and repair costs.

Here’s a breakdown of what a typical home warranty covers in Washington, along with some exclusions to keep in mind and additional considerations for Washington homeowners:

Common Inclusions for Washington Homes

  • Plumbing ProtectionWashington’s wet climate is harsh on pipes. A home warranty can cover repairs for leaky pipes, clogged drains due to root intrusion (common in the Evergreen State!), and malfunctioning toilets – a lifesaver for any Washington homeowner.
  • Roof Leak CoverageMany Washingtonians deal with constant rain, making roof leaks a common concern. Some home warranty plans specifically address roof leak repairs, offering valuable protection for your Washington home.
  • Heating and Air Conditioning (HVAC) CoverageWashington’s weather keeps your HVAC system on its toes. A warranty protects against your furnace, air conditioner, and related components breakdowns.
  • Septic System CoverageMany Washington homes rely on septic systems. A warranty plan can provide peace of mind by covering repairs for pump failures, removing clogs, or drain field issues.

Common Exclusions

  • Cosmetic IssuesDon’t expect your warranty company to fix a chipped refrigerator door or a scratched stovetop.
  • Pre-Existing ConditionsIf an appliance or system failed before you purchased the warranty, it likely won’t be covered.
  • Lack of MaintenanceNeglecting regular maintenance on your appliances and systems can void coverage for breakdowns caused by that neglect. Be sure you’re up-to-date on recommended maintenance for covered items.
  • Misuse or AbuseWarranty coverage typically doesn’t extend to damage caused by improper use of the appliance or system. This could include overflowing a washing machine or using the wrong fuel in your furnace.

Additional Points to Consider for  Washington  Homeowners

  • Well System CoverageMany Washington homes rely on well water. Get a warranty that explicitly covers your well pump and pressure tank repairs.
  • Review Coverage DetailsWashington’s unique weather conditions and potential for septic system issues make it crucial to carefully review the plan details to ensure coverage for your needs. Look for coverage for roof leaks and consider adding well-system coverage if applicable.
  • Volcanic Ash ExclusionSome Washington regions are susceptible to volcanic ash. While not common, check if your warranty excludes coverage for repairs necessitated by volcanic ash infiltration into your home’s systems.

Who regulates Home Warranty Companies In Washington?

The Washington State Office of the Insurance Commissioner (OIC) regulates home warranty companies in Washington. The OIC oversees insurance-related matters in the state, including licensing and regulating home warranty companies.

Here's how home warranty companies are regulated in Washington:

  • LicensingHome warranty companies must obtain a license from the OIC to operate in the state. This process involves submitting an application, meeting certain requirements, and paying applicable fees.
  • Consumer ComplaintsThe OIC investigates complaints against home warranty companies to ensure compliance with state regulations. Consumers who have issues with a home warranty company can file a complaint with the OIC, which may result in an investigation and potential enforcement actions if violations are found.
  • Monitoring and EnforcementThe OIC monitors the activities of home warranty companies in Washington to ensure they operate according to state laws. If a company is found to violate regulations, the OIC may take enforcement actions such as fines, license suspension, or revocation.

Final Word

In Washington state, several home warranty providers offer varying coverage options. Consider your priorities – comprehensive protection, budget-friendliness, or additional perks – when choosing a plan. Carefully compare coverage details, reviews, and pricing to find the home warranty that best suits your needs.

Frequently Asked Questions (FAQs)

What Are The Most Common Appliance Repairs In Washington?

A.

In Washington, where the climate varies from rainy winters to dry summers, common appliance repairs often align with environmental conditions and seasonal changes. Refrigerator repairs frequently address humidity-related issues, such as temperature control and leaks. 

Washers and dryers may experience problems with drum mechanisms or motors, possibly more frequent during the cooler and wetter months. Dishwashers may encounter challenges with clogged drains or electronic control boards, while HVAC systems may require attention due to the region’s fluctuating temperatures.

Do Home Warranty Companies Cover Washer Dryer Repairs In Washington?

A.

Home warranty companies in Washington typically offer coverage for washer and dryer repairs, but the extent of coverage depends on the terms outlined in the contract. It’s crucial for homeowners to thoroughly review the contract to understand any limitations, exclusions, and coverage limits for these appliances.

Are There Any Other Home Warranty Companies Washington Homeowners Can Consider?

A.

AFC Home Club and Cinch Home Services are a few other companies that Washington homeowners can consider apart from the best home warranty companies in Washington mentioned above.

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