Best Home Warranty in Spokane, WA

While homeowners insurance can give Spokane residents peace of mind that their home is protected against unexpected events, such as a fire or flood, it doesn’t offer protection for major appliances and systems that break down due to normal wear and tear. If your heating system suddenly breaks in the dead of winter and you don’t have coverage in place, you could be on the hook for thousands of dollars in repairs.

A home warranty covers your home’s systems and appliances when they unexpectedly break, preventing you from paying for expensive repairs or costly replacements. To help you find the best home warranty in Spokane, the This Old House Reviews Team researched a variety of home warranty companies and compared them on coverage, plans, and pricing. Keep reading for our top home warranty picks in Washington.

Top 4 Home Warranty Companies in Spokane

The highest-rated home warranty companies in Spokane, WA, include:

1. American Home Shield: Best Overall
2. Cinch Home Services: Best Additional Perks
3. 2-10 Home Buyers Warranty: Cheapest Appliances Plan
4. The Home Service Club: Quickest Coverage

1. American Home Shield

American Home Shield (AHS) has more than 50 years of experience in the home warranty industry, provides 24/7 customer service, and offers three comprehensive home warranty plans. The company also provides protection for systems and appliances that break down due to a lack of maintenance, malfunction due to improper installations or repairs, and have undetectable pre-existing conditions.

Like most home warranty companies, American Home Shield offers a variety of plans that cover important systems and appliances, such as your air conditioning, refrigerator, and dishwasher. Compare all three American Home Shield plans below.

In addition to these three plans, American Home Shield offers optional coverage for your electronics, a pool or spa, a guest unit under 750 square feet, well pumps, and septic pumps.

American Home Shield Prices

When you sign up for a home warranty, you’ll pay a monthly or annual rate in addition to a service call fee, which is the amount you pay to the technician that comes out to make a repair or replacement. American Home Shield allows homeowners to choose from three service fee options: $75, $100, and $125. Your monthly rate will adjust depending on the service fee you choose.

For example, if you choose to pay a $75 service call fee, you can expect to pay the monthly rates listed below for each American Home Shield plan. If you commit to one of the company’s higher service call fee options—$100 or $125—your monthly premium will be slightly cheaper.

Because rates can change based on your coverage needs and where you live, contact an American Home Shield representative at 844-529-9298 or fill out this online form to get started with a personalized quote.

2. Cinch Home Services

Cinch Home Services is known for its homeownership perks, including its rust and corrosion coverage, protection for unknown pre-existing conditions, and discounts on new appliances. Its online digital dashboard also makes it simple for policyholders to submit a service request at any time. Additionally, Cinch Home Services stands out for its 180-day workmanship guarantee, which is longer than the workmanship guarantee provided by other home warranty companies.

Cinch offers three tailored plans for system and appliance protection: one designed to cover appliances, one for built-in systems, and a plan that covers both systems and appliances. Compare the company’s three home warranty plans below.

You can customize any Cinch Home Services plan with additional coverage for items like a well pump, septic tank, and pool or spa. Cinch also has a Premier Upgrade Package, which provides policyholders with up to $2,000 of coverage per year for certain charges not covered by home protection plans, such as code upgrades and permits.

Cinch Home Services Prices

Similar to American Home Shield, Cinch Home Services allows policyholders to select a service call fee between $100, $125, and $150. While the company’s per-visit rates are slightly higher than the industry average of $65-$150, the company’s monthly pricing is competitive with the industry plan average of about $50 per month. Check out the pricing for each of the company’s three plans below based on the lowest service call fee tier of $100.

To get a free quote from Cinch Home Services, call 844-979-0899 or fill out this easy online form.

3. 2-10 Home Buyers Warranty

2-10 Home Buyers Warranty offers one of the most affordable appliance plans in the industry. The company’s Simply Kitchen plan protects major kitchen items like your dishwasher and refrigerator for as low as $22 per month. It’s also easy for homeowners to customize their coverage by opting for a more comprehensive plan or by adding on optional protection for individual items, such as a washing machine or septic system.

Regardless of the plan you choose, 2-10 Home Buyers Warranty provides 24/7 customer support both online and by phone, and policyholders can track the status of any claim through the digital homeowners portal. The company also aims to expedite any emergency service request, so if you have a problem that results in no electricity, gas, or water, you’ll get support within 24 hours. Compare all three 2-10 Home Buyers Warranty plans below.

2-10 Home Buyers Warranty also offers optional add-on coverage for the following items:

• Washer and dryer
• Roof-leak coverage
• Garage door opener
• Additional refrigerators
• Built-in wine coolers
• Freestanding freezers
• Wet bar refrigerators
• Freshwater pool
• Saltwater pool
• Additional pool
• Well pump
• Septic system
• Water softener
• Extended pipe leak
• Pre-season HVAC tune-up

2-10 Home Buyers Warranty Prices

2-10 Home Buyers Warranty offers customers the choice of three service call fees: $65, $85, or $100. The company also backs up its service call fees with an “even if” guarantee. With this guarantee, if you request professional support and the technician determines an item isn’t eligible for coverage, you won’t get charged for the visit.

Below are the monthly rates for what you can expect to pay for a 2-10 Home Buyers Warranty plan with an $85 service call fee.

To get a free quote from 2-10 Home Buyers Warranty, call 855-498-4719 or fill out this simple online form.

4. The Home Service Club

The Home Service Club offers two home warranty plans tailored for different levels of coverage. Its Standard Plan accounts for most primary systems and appliances, including your water heater, refrigerator, and dishwasher, while the Comprehensive Plan extends this coverage to items such as smoke detectors and ductwork and inclusive services for pest control, gas leaks, and water leaks.

Under both plans, The Home Service Club approves claims for eligible repairs and replacements regardless of an item’s age, make, or model. Additionally, The Home Service Club doesn’t require a home inspection for your policy to kick in and has a 10-day waiting period, which is significantly shorter than the industry standard of 30 days. Compare The Home Service Club’s plans below.

You can personalize either plan with more than a dozen optional add-ons, expanding your policy coverage to include the following:

• Roof-leak coverage
• Pool and spa equipment
• Jetted bathtub
• Spa and spa heater
• Sewage ejector pump
• Refrigerator dual compressor
• Plumbing sprinkler
• Utility and home service line coverage for outdoor water, electric, gas, and sewer lines
• Freestanding freezer
• Water softener
• Well pump
• Additional freezer, dishwasher, microwave, refrigerator, water heater, oven, range, and cooktop

The Home Service Club Prices

The Home Service Club’s monthly rates are competitive with other Washington home warranty providers, and homeowners can receive a discounted rate by paying for a full year of coverage upfront. The company offers customers three service call fee options: $65, $95, or $125. The prices below reflect policy pricing estimates with a $95 service call fee.

The Home Service Club’s rates vary based on your location, the size of your home, and the service call fee you choose. Call 800-842-9334 to discuss your pricing options with a representative or fill out this simple online form to get a free estimate.

What Does a Home Warranty in Spokane Cover?

Most home warranty plans cover home systems and appliances such as your refrigerator, dishwasher, air conditioning, and heating that break down due to normal wear and tear. Here’s a list of systems and appliances typically included in home warranty coverage.

Benefits of a Home Warranty in Spokane, WA

Home warranties make the cost to maintain your systems and appliances more affordable and predictable. Rather than shelling out a market rate to repair or replace your household items, which can add up to thousands of dollars, you can pay a small service call fee to a trusted technician who will perform a repair or replacement. Most companies also offer a network of pre-vetted technicians, preventing you from having to find a reliable technician on your own.

According to the Service Contract Industry Council, homes with systems and appliance protection increase in value as well, selling at an average of $2,300 more than those without home warranties.

How Much Does a Home Warranty Cost in Spokane?

The total cost of your home warranty will depend on a few factors, such as the coverage you need, any upgrades and add-ons you include in your plan, and the location and size of your home. In general, Spokane homeowners can expect to pay $22-$90 per month and a per-visit service call fee of $65-$150.

Our Conclusion

Spokane homeowners have a great selection of home warranty providers to choose from. For overall breadth of coverage, American Home Shield’s plans are among the most comprehensive—assuring protection regardless of an item’s age or lack of proper maintenance. Cinch Home Services is another strong competitor with its homeownership perks and 180-day workmanship guarantee. If you’re after the most straightforward home warranty option, 2-10 Home Buyers Warranty stands out for its affordable appliance coverage. Additionally, The Home Service Club’s short waiting period makes its plans ideal for homeowners who need quick coverage.

We ultimately recommend reaching out to multiple home warranty providers for a free quote to compare pricing and coverage in your area.

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. Our rating system for home warranty providers is on a 100-point scale based on seven factors:

• Plan options (25)
• Coverage specifics (5)
• Pricing (25)
• Trustworthiness (25)
• State availability (5)
• Customer service (10)
• Additional benefits (5)

Our Reviews Team reviewed 45 companies and we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. Read more on our methodology here.

Frequently Asked Questions

How is a home warranty different from homeowners insurance?

Homeowners insurance protects you against damage caused by unexpected events such as natural disasters, fires, and theft. However, these policies don’t cover run-of-the-mill wear and tear on systems and appliances. That’s where home warranty coverage comes in—this home protection plan covers your systems and appliances that break down due to normal wear and tear.

Will a home warranty cover pre-existing conditions?

Most home warranty policies specifically cover items that are in good working order at the start of your contract term. If existing damage causes a system or appliance to malfunction, that item might not be eligible for coverage. Check your service agreement to understand any coverage limitations.

When does my home warranty coverage start?

Most companies require a 30-day waiting period before home warranty coverage takes effect. This does not always apply to those who received home warranty protection through a real estate transaction, however. Ask your home warranty provider when you can expect your coverage to begin.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.