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 to have a reliable air conditioner. However, over time this system can malfunction from heavy use.
Winters in Washington can be mild, but there are still days when you rely on your heating. HVAC system replacement can cost from $2,500 to $8,000. Home warranties, on the other hand, run about $644–$737 annually, based on 120 quotes we received from home warranty companies across the nation.
Washington's regular rain showers can also affect your home's roof. Some home warranty providers offer limited roof-leak coverage to financially assist with repair. Lastly, your home warranty will connect you with service providers you can trust.
A reputable home warranty is a good investment because companies vet their technicians. If you're focused on work or other priorities, your home warranty provider can give you peace of mind that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when selecting your home warranty plan.
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost an average of $53–$62 a month. Additionally, you'll pay a service call fee each time you file a claim. These fees range from $65–$125 per claim. A basic home warranty is more affordable than a comprehensive one. Home systems coverage plans will cost more than appliance plans. Most plans offer add-on coverage options for an additional monthly fee. Consider your specific needs before purchasing a plan.
Figure out which appliances and systems you use most often. You'll want a home warranty plan that covers these items. Most plans can be tailored to your needs, and many companies offer systems-only plans for homeowners that only want select coverage (such as for air conditioning). You can also get a plan that only covers select appliances. The following is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Most home warranties only cover normal wear and tear. They don't cover preexisting conditions or improper installation. Additionally, home warranties don't cover appliance components or cosmetic issues, defects, routine maintenance, or theft. You can read about your provider's exclusions and limitations within your service contract. Be sure to read the contract carefully to understand your plan's terms and conditions.
Consider a provider's reputation before making a commitment. You can also read real customer reviews on sites such as Google Reviews, Trustpilot, and Best Company. Reading reviews can show you how companies handle customer service and claims. Check with the Washington, D.C., Consumer Protection Unit to verify that a provider holds a valid state license.
Take into account a home warranty company's service provider network. Ask your company how and where it sources technicians. A reputable company should use licensed and registered contractors to handle service requests. Select a provider that mentions service contractors you're familiar with. Residents of rural areas may consider choosing a home warranty that lets them select their technicians. It's important to have 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
Do I need a home warranty 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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