Are Home Warranties Worth It for Washington Residents?
Yes, home warranties are worth it for Washington residents. Summers in Washington can get hot, which makes it important for your air conditioner to work properly. However, over time this system can malfunction from heavy use.
Winters in Washington can be fairly mild, but there are still times when you want to have a reliable heating system. HVAC system replacement can cost between $2,500 and $8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we received from home warranty companies nationwide. Washington's regular rain showers can also affect your roof.
Some home warranty companies offer limited roof-leak coverage to financially assist with repair. Finally, home warranties connect you with reliable technicians. When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs.
Reputable home warranty companies vet all their service providers.
What To Consider Before Choosing a Home Warranty Company
Think about these important factors when picking your home warranty plan.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost an average of $53–$62 per month. There are also service call fees that apply whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans tend to be more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Many plans have add-on coverage options, but this will increase your monthly cost, so make sure you know your specific needs before purchasing a plan.
Coverage
You can look for a home warranty plan that covers specific appliances and systems. Decide whether you want coverage for major systems (like air conditioning), specific appliances, or for both. Then ask your provider what its options are for customized coverage. The following is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Ductwork
- Electrical
- Heating
- Plumbing
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Dishwashers
- Garbage disposals
- Ovens
- Refrigerators
- Stovetops
Exclusions
Most home warranties only cover damage from normal wear and tear. They don't cover preexisting conditions or improper installation. Additionally, home warranties don't cover appliance components or cosmetic issues, theft, routine maintenance, or defects. A provider will outline its limitations and exclusions in your service contract. Thoroughly read your contract to fully understand your plan's terms and conditions.
Provider Reputation
Also, consider a provider's reputation. You can also browse customer reviews on sites like Trustpilot, Google Reviews, and Best Company. Reviews and ratings can show how a company handles customer service and claims. Check with the Washington, D.C., Consumer Protection Unit to verify that a provider holds a valid state license.
Contractor Network
Consider a home warranty company's service provider network. The provider you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company how and where it sources technicians. We recommend picking a provider that mentions the names of familiar service contractors. Rural homeowners should consider choosing a home warranty provider that lets customers choose their technicians. You'll want the option to source your own providers if there are no in-network ones available in your area.
Frequently Asked Questions About Home Warranty in Washington
Is a home warranty required in Washington?
What are preexisting conditions?
What is Washington's best home warranty provider?
Can I get a home warranty that covers other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How is a home warranty different from homeowners insurance?
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