Best 5 Home Warranty Companies in Spokane, WA

Are Home Warranties Worth It for Spokane Residents?

Home warranties are advantageous for Spokane residents. Spokane can have fairly hot days during the summer, and you probably use your air conditioner frequently during the warmer months. Your air conditioning system may malfunction over time due to breakdowns from regular wear and tear.

Spokane winters are very cold, meaning you rely on your heating system often. Replacing your HVAC system can cost anywhere from $2,500–$8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we received from home warranty companies across the nation. Even the infrequent rain in Spokane can damage your roof.

The cost of repairs will be lower if you have a home warranty with roof-leak coverage. Finally, a home warranty connects you with trustworthy service providers. Investing in a reputable home warranty company is worth it because companies vet their technicians.

If you're focused on work or other priorities, your home warranty company can give you peace of mind that someone reliable will handle your problem.

What To Consider Before Choosing a Home Warranty Company

Think about these important factors when determining the right home warranty plan for you.

Cost

We pulled 120 quotes for a 2,000-square-foot, single-family home and discovered that home warranties cost an average of $53–$62 per month. You also have to pay service call fees whenever 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. Consider your specific needs before choosing a plan, as getting add-on coverage options will increase your monthly price.

Coverage

Many home warranty providers offer systems-only plans or plans for select appliances. Figure out which systems and appliances you use most often before purchasing a plan. If you only want to cover certain major systems (like heating) or certain appliances, you can find a plan that meets your needs. 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

Typically, home warranties only cover breakdowns from normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, cosmetic issues or appliance components, defects, routine maintenance, or theft aren't covered either. Providers will outline exclusions and limitations in their service contracts. Read your contract thoroughly to ensure you understand your plan's terms and conditions.

Provider Reputation

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. Customer reviews can give you a sense of how providers handle claims and customer service. Check with the Washington Consumer Protection Division to verify the status of a provider's state license.

Contractor Network

Consider a home warranty company's service provider network. Be sure to ask your provider how and where it sources technicians. All reputable companies should use licensed and registered contractors to handle service requests. Choose a provider that mentions service contractors you're familiar with. Rural homeowners should consider a home warranty policy that allows the customer to choose their technician. There may be no in-network service providers available in these areas, so customers might need to source their own.