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, this system can malfunction over time 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 per year, based on 120 quotes we requested from home warranty companies across the nation.
The regular rain in Washington can cause damage to your home's roof. Some home warranty policies include limited roof-leak coverage, which can ease the financial burden of roof repair. Lastly, home warranties connect you with trusted service providers.
Reputable home warranty companies vet every service provider they use. If life keeps you busy, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you determine the best home warranty plan for your needs.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and found that the average home warranty costs between $53–$62 per month. You also have to pay service call fees each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans typically cost less than comprehensive ones. Home systems coverage plans usually cost more than appliance plans. Add-on coverage options raise the monthly cost, so consider your specific needs before purchasing a plan.
Coverage
You can often find home warranty plans that cover specific appliances and systems. Decide whether you need coverage for major systems (such as air conditioning), specific appliances, or both. Then ask your provider what its options are for customized coverage. Here 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
Typically, home warranties only cover damage from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, cosmetic issues or appliance components, defects, theft, or routine maintenance are also not covered. Providers outline limitations and exclusions with their service contracts. We recommend reading it to understand your protection plan's specific terms and conditions.
Provider Reputation
Provider reputation is another key factor to consider. You can find real customer reviews on sites like Best Company, Trustpilot, and Google Reviews or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can provide insight into how a company handles customer service and claims. Check with the New Jersey Division of Consumer Affairs to verify that a provider holds a valid state license.
Contractor Network
Consider a home warranty company's network of service providers. Ask your company where and how it sources technicians. All reputable companies should use licensed and registered contractors to handle service requests. Select a provider that mentions the names of familiar service contractors. Residents of rural areas might opt for a home warranty that allows them to choose their technician. It's important to have the option to source your own provider if no in-network ones are 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 the best home warranty provider in Washington?
Do home warranties cover 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?
How can I maximize the value of my home warranty?
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