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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!

BEST OVERALL
fourhalf_star4.9/5
$150 Off + 1 Month Free
MOST POPULAR
fourhalf_star4.5/5
$50 OFF on Multiple Properties

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.

Highly Rated By Customers
4.9 | fourhalf_star Excellent
$150 Off + 1 Month Free

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

Pros & Cons

Pros

  • Comprehensive coverage for home systems and appliances
  • Technicians with insurance and license
  • Live claims concierge available around-the-clock

Cons

  • Charges a service fee of $150 for weekend visits

Plans, Cost & Coverage

Elite Home Warranty offers three plans – Elite Appliances, Elite Systems, and Elite Complete – each tailored to meet different needs and budgets with varying costs and coverage options.

Plans

Elite Appliance

Elite Systems

Elite Complete

Service Call $70

$44.49

$49.99

$59.99

Elite Appliance

  • Covers 8 essential appliances such as refrigerator, ice maker, water dispenser, and more
  • Emphasizes coverage for essential household appliances
  • Suitable for those requiring comprehensive appliance coverage

Elite Systems

  • Covers 7 vital home systems such as air conditioning, heating, electrical, plumbing, and more 
  • Focuses on protection for essential home systems
  • Designed for homeowners who prioritize protection for the vital systems that keep their homes running smoothly

Elite Complete

  • Encompasses everything included in Elite Systems and Elite Appliances plans
  • Includes limited roof leak repair coverage
  • Provides comprehensive protection for both home systems and appliances, offering enhanced peace of mind

Why We Picked It?

Washington homeowners looking for a blend of affordability and comprehensive coverage may find Elite Home Warranty attractive. With competitive pricing, customizable plans, and generous coverage limits of up to $8,000 per term for systems and $7,000 for appliances, Elite Home Warranty provides options tailored to individual needs and budgets.

The Industry Leader
4.5 | fourhalf_star Excellent

Monthly Cost

$29 - $89

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Customizable plans and 24/7 emergency service
  • Wide coverage limits for appliances and household systems
  • Large network of contractors for easy repairs

Cons

  • Higher premiums

Plans, Cost & Coverage

American Home Shield offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum, each tailored to meet different homeowner needs. Plan pricing varies depending on where you live in Washington, the plan type, and the service fee you select. Every plan comes with a 30-day craftsmanship warranty.


Let’s take a look at the cost and plan details below:

Plans

ShiedSilver

ShieldGold

ShieldPlatinum

Service Call $100 

$89.99

$109.99

$139.99

Service Call $125

$79.99

$99.99

$129.99

ShieldSilver

  • Offers protection for 14 home systems such as electrical, heating, and cooling systems 
  • Provides member perks, including HVAC tune-ups and partner discounts
  • Offers a $5,000 coverage cap for air conditioning and heating systems

ShieldGold

  • Covers 23 key appliances and systems such as air conditioning, plumbing systems, and more
  • Provides a $2,000 coverage cap for each repair or replacement of an appliance

ShieldPlatinum

  • Offers protection for everything from the ShieldSilver and ShieldGold plans
  • It provides additional benefits including a $1,500 budget set out for fixing roof leaks
  • Provides coverage for unrestricted AC refrigerant, permits, code infractions, and modifications

Why We Picked It?

Washington homeowners looking for reliable home warranty coverage should consider American Home Shield (AHS). With plans for various budgets and a proven track record, AHS protects major appliances and systems, potentially saving you money on repairs. 

Plus, 24/7 support and statewide coverage offer peace of mind. Remember to compare plans and service fees to ensure AHS meets your needs.

2.8 | twohalf_star Good

Monthly Cost

$47 - $87

Service Fee

$75, $100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Does not mandate home inspections
  • Provides extensive coverage limits
  • Offers Plumbing Plus and various such upgrades

Cons

  • There are relatively fewer add-on options available

Plans, Cost & Coverage

First American Home Warranty offers three plan options: the Starter Plan, Essential Plan, and Premium Plan A variety of household systems and equipment are covered by the Starter Plan and Essential Plan. 

In addition, First American offers similar policies with a $3,500 coverage cap for each appliance. In addition to raising appliance limitations to $7,000 per appliance, the Premium Plan offers protection for more systems and appliances.

Plans

Starter Plan

Essential Plan

Premium Plan

Service Call $125

$57

$67

$82

Service Call  $100

$62

$72

$87

Service Call $75

$72

$82

$97

Starter Plan

  • Covers 8 essential appliances and systems like built-in microwaves, dishwashers, heating, and plumbing
  • Protects key household components without additional frills
  • Offers a foundational level of coverage suitable for basic home protection needs

Essential Plan

  • Extends coverage to all items in the Starter Plan
  • Includes 5 additional features such as air conditioning, clothes washers, and more
  • Offers a comprehensive level of protection for a wider range of appliances and systems

Premium Plan

  • Encompasses all Essential Plan items
  • Adds further coverage for central vacuum systems, luxury appliances, and window air conditioning units
  • Provides an enhanced level of protection with added features for comprehensive home coverage

Why We Picked It?

Established in 1984, First American is a reputable provider renowned for its user-friendly online claims process and round-the-clock service. Their plans, including a top-tier option offering up to $7,000 per appliance in coverage, safeguard against substantial repair expenses. 

Moreover, their unique First Class upgrade extends coverage to typically excluded situations such as building code violations or crane-assisted repairs, providing added peace of mind. First American is an outstanding choice for Washington homeowners searching for comprehensive coverage with generous limits.

Best For Electronics Coverage
3.9 | threehalf_star Excellent

Monthly Cost

$45 - $84

Service Fee

$125

Response Time

Within 48 hours

Pros & Cons

Pros

  • Systems and appliances are covered regardless of their age
  • Offers protection to electronic gadgets
  • Extensive coverage limits

Cons

  • Doesn’t provide coverage for roof leaks

Plans, Cost & Coverage

Three levels of warranty coverage are available from ARW: Appliance Max, Systems Max, and Total Max. Take a look at the cost and plan details below:

Plans

Appliance Max

Systems Max

Total Max

Monthly Cost

$40.99

$54.99

$74.99

Appliance Max

  • This is the most basic ARW warranty plan
  • Covers built-in microwaves, dishwashers, garbage disposals, ranges, ovens, cooktops, refrigerators (including the ice maker), washing machines, and dryers
  • Focuses on appliance coverage only

Systems Max

  • Excludes items covered in Appliance Max but includes central air and heating, interior electrical systems, plumbing systems, plumbing stoppages, and water heater failures
  • Emphasizes coverage for essential home systems

Total Max

  • Encompasses all items covered in the Appliance Max and Systems Max plans
  • Adds humidifiers, garage door openers, and ceiling fans to the coverage
  • Provides comprehensive protection for both appliances and essential home systems

Why We Picked It?

Budget-minded Washington homeowners can consider American Residential Warranty (ARW) for its affordable plans with customizable coverage.  ARW offers 24/7 claim service and the unique advantage of letting you choose your repair person.

Best For Add-ons
4.7 | fourhalf_star Excellent
$200 Off + 2 Months Free + Free Roof Leak Protection

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

  • 24/7 customer service for assistance anytime
  • Provides a craftsmanship guarantee for 60 days
  • Offers 38 alternatives for additional coverage

Cons

  • Lower coverage limits

Plans, Cost & Coverage

Three distinct packages are offered by Liberty Home Guard: Systems Guard, Appliance Guard, and Total Home Guard. The service call charge bids range from $65 to $125. Costs vary according to your plan, add-ons, and location. A 60-day craftsmanship guarantee is included by the manufacturer, which is twice the industry average. 

Plans

Appliance Guard

Systems Guard

Total Home Guard

Service Call $65 – $125

$49.99

$54.99

$59.99

 

Appliance Guard

  • Provides coverage exclusively for 9 appliances like built-in microwaves, garbage disposals, and refrigerators
  • Focuses solely on appliance-related protection

Systems Guard

  • Covers 6 built-in systems including electrical, ductwork, and heating
  • Focuses on safeguarding essential home systems
  • Provides dedicated coverage for household systems

Total Home Guard

  • Combines the features of Appliance Guard and Systems Guard
  • Offers comprehensive protection for both appliances and built-in systems
  • Provides a holistic solution for complete coverage of household essentials

Why We Picked It?

Washington homeowners seeking a customizable home warranty with extensive coverage options should choose Liberty Home Guard. They boast a strong national network for fast repairs, 24/7 support, and a focus on customer satisfaction.  While not the cheapest option, Liberty allows you to tailor a plan with various add-ons to fit your needs and budget.

BEST OVERALL

$150 Off + 1 Month Free

Don't let broken appliance break the bank

Are Home Warranty Plans Beneficial For Washington Homeowners?

Here is more about how home warranty plans will benefit Washington 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:

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 breakdowns in your furnace, air conditioner, and related components.
  • 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 MaintenanceRegular maintenance on your appliances and systems can ensure 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:

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.

BEST OVERALL

$150 Off + 1 Month Free

Don't let broken appliance break the bank

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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