Home Warranty for Owners in Washington State
Owning a home is a great experience. But when unexpected issues pop up—whether you have a minor breakdown or a major catastrophe, it is almost certainly going to require time and money to fix. Having a home warranty will extend protection to the items inside your home so you can have peace of mind.
Maintaining a home is a lot of work and unexpected appliance or home systems breakdown can cause major headaches and come with a high cost. This is why having the right protection for your biggest investment will help solve problems quickly, with minimal impact on your finances. When you acquire a home warranty, in addition to your homeowner’s insurance policy, you significantly increase the protection on what matters most.
Homeowner’s insurance, home warranty, and equipment breakdown – What is the difference?
Instead of seeing these three as competing options, they are all parts of the same picture to provide the best coverage for you most important asset. The combination of a good homeowner’s insurance policy and an equipment breakdown endorsement, plus a home warranty will give you the ultimate protection for everything in and around your home.
Here is how the three work together.
Homeowner’s insurance
A homeowners insurance policy is protection for your home including:
- Damage to the structure, both inside and out.
- Loss or damage of personal property, such as assets, belongings, or personal items.
- Liability protection if an injury occurs while on the property.
Your homeowner’s insurance policy is there to protect you when disaster strikes. After paying your deductible, the policy will help pay for repairing damage and replacing your personal property.
Equipment breakdown
This coverage protects the electrical, mechanical, or pressure systems against unexpected repair or replacement and is an extension of your homeowner’s insurance policy. An equipment breakdown endorsement extends the protection of your home policy to add coverage for appliances and other electrical equipment inside your home should they be damaged in a covered event.
For example, a storm causes a power outage and with it damaging your computer, TV, and other electronic equipment in your home. Replacement or repair of the damaged products would now be covered.
Adding an equipment breakdown endorsement is only available through your current homeowner’s insurance policy and may not be available from your provider. It also does not cover normal wear and tear on your appliances, rather it is additional coverage for your home policy.
Home warranty
A home warranty is a service contract that covers the repair or replacement of important home system components and appliances that break down over time. For example, if your refrigerator is damaged due to an electrical surge from a lightning strike, your equipment breakdown endorsement is available to cover the cost of replacing the appliance (after the deductible is paid). On the flip side, if that refrigerator stops producing cold air due to age, that is when your home warranty will cover the cost to repair (after paying the trade service call fee).
If you have ever experienced an appliance or home system breakage, you know it always happens at the worst possible time. Having a home warranty will give you peace of mind knowing that if your air conditioning quits on a hot day, the cost of repairing it will be covered.
Our home warranty product covers many home appliances and systems, such as water heaters, garage door openers, central vacuum systems, and stovetops and ovens. If any of these items breaks due to normal wear and tear, your home warranty has your back.
In addition to the standard home warranty, there are several addons to purchase that will extend the coverage to pools, well pumps, and septic pumps.
Before choosing a home warranty and any addons, make a list of the most important items in and around your home. Then, compare the items to the list of covered products and systems provided by the home warranty.
To get started with your home warranty, fill the form below!
Our solution
It is more than just a tagline; we aim to take the surprise out of insurance. Protecting your home should not be hard. We make it simple to protect your home and everything inside.
Getting started is easy! Using our online portal, you can generate a quote and choose the right option for your home in minutes. Our system is fast and secure, with your privacy and safety in mind.
As your local, independent insurance agency we work hard researching, vetting, and partnering with the best home warranty options in the industry. Being independent means we get to choose who is best for our customers and working with a local agency gives you access to fully-licensed agents right here in the beautiful Pacific Northwest.
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