Are you looking for a comprehensive home warranty plan for your Washington, D.C. home? Excellent, you came to the right place. In this guide, you’ll learn:
- What do you need to consider when purchasing a home protection plan in D.C.?
- Which items are most important to cover in your Washington, D.C. property?
- Is it worth covering your home with a home warranty in D.C.?
- And more!
After reviewing nearly 70 companies and comparing their coverage options, terms, contract conditions, and prices, we have come up with a list of the best options for property owners in your area, as well as a guide to help you select the perfect plan. Keep reading to find out more!
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Top Home Warranty Companies for Washington D.C. Homeowners
More Than 10 Years on the Market
Most Comprehensive Coverage Available
Free Reservice Period for Parts
Emergency Service Available
Cheapest and Best Basic Plan ($34/m)Choice Home Warranty Review
American Home Shield is one of the first companies that started providing home warranty services to homeowners and real estate agents. The company offers a variety of contracts, including customized plans.American Home Shield Review
Majority of Client Reviews Online Are Positive
Clearest Terms and Conditions
Highest Contractor Professionalism
Best Gold Plan ("Platinum Care")Select Home Warranty Review
Industry Veteran Award
Large and established company
Top 3 Cheapest Plans ($25/month)
Low optional coverage costs
Coverage is capped at $500
Limited Selection of Optional Coverage ItemsFirst American Home Warranty Review
Customer Service Available 24/7
Least BBB Complaints
Great Reviews on Google Places
Reservice for Failed Parts
1 Free Month Upon Annual Sign-UpTotal Home Protection Review
Disclosure: ReviewHomeWarranties.com has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.
What's In This Guide?
Who Needs A Home Warranty in Washington, D.C.?
Home warranties are a necessity for many homeowners. These plans make it easier to budget for costly home maintenance.
Do you have at least a dollar for each square foot in your home saved? That is how much experts say it costs to maintain the average home each year. They also say you should have at least that much saved in case of a home system or appliance emergency.
If you do not have the funds to pay for a total system replacement, you need to have a protection plan. Otherwise, you could end up stuck in a home that is not livable and even dangerous.
When you purchase a home, you have so many expenses and things to consider. You also have to pay for movers, new furniture, and homeowners insurance.
So, the last thing you want to do is pay out of pocket for an expensive repair bill. If something breaks in your new home and you do not have protection, that is precisely the situation you will find yourself in without a protection package.
Have you recently moved to the D.C. metro area and are looking to buy your first home? Owning a home warranty is perfect for you as a new homeowner, especially if you don’t have enough time to repair your items or search for the perfect technician.
Top 5 Best Home Warranty Companies In Washington D.C.
|D.C. Company Name||Premium Per Month||Deductible|
|Choice Home Warranty||From $36.17 to $43.85||$85 flat rate|
|American Home Shield||From $49.99 to $59.99||From $75-$125|
|Select Home Warranty||From $35.83 to $37.50||$75 flat rate|
|Total Home Protection||From $45.33 to $52||$75 flat rate|
|First American Home Warranty||From $28 to $42.50||From $75-$100|
Home Sellers & Real Estate Agents
It is smart for home sellers and agents to consider having a home warranty plan in place to cover valuable systems and appliances, while the property is on the market. The D.C. real estate market is very competitive, and you want to try to get the most money out of your sale as possible.
If something malfunctions before you close, you may have to pay thousands of dollars to fix it or reduce the price of your house. A home warranty can help you avoid that scenario. Even after your property is under contract, you are responsible for making all home repairs.
So, if you have older home appliances or systems, that can give buyers the confidence to purchase your property and may even help you sell your property for more. Real estate agents often choose to give home warranties to their clients as a way to thank them for their business.
Best 5 Home Warranty Companies In D.C.
Here is a scenario for you, imagine that you have a house under contract, and the heating system fails in the middle of a D.C. winter. The homeowner does not have enough money left over after moving into their new home to repair the malfunctioning item.
What do you think will happen? The buyers might agree to a reduction in the sales price so they can make the repairs themselves. However, they could also back out of the contract.
So, encouraging sellers to purchase a comprehensive plan while their house is listed is an excellent idea, especially if it is an older property.
Even D.C. tenants can benefit from a home warranty plan. Nothing is more upsetting than paying your rent on time each month and having to wait on the landlord when something breaks.
If the property you live in has a home service plan, you simply put in a service call to the warranty provider. Either you or the landlord will have to pay a service request fee, but that is a small price to pay if a critical system is not working correctly.
What Should You Think About When Purchasing A D.C. Home Warranty?
Washington, D.C., is one of the most exciting places to live. There are numerous historical sites, museums, monuments, and government buildings.
As a resident of this great city, you do have some things to consider when it comes to protecting your home, though. The weather, climate, and real estate statistics all play a part in your home warranty needs.
You enjoy fair weather throughout the year in Washington, D.C. However, the temperatures get into the high 80s during the summer and the upper 20s during the winter. That means you need an operational water heater, heating system, and air conditioner.
Your home is also prone to damage from storms and flooding. Damage from natural disasters is not covered in your home protection contract. Your homeowners insurance covers storm damage.
However, when you lose power frequently, it can weaken your system over time. In those cases, your policy should protect any worn-out components. It can also take a toll on your appliances.
Covering both your home systems and appliances is the best way to ensure you are comfortable throughout the year in your Washington, D.C. home.
Read Also: Do Home Warranties Cover A Furnace?
Washington, D.C., is the capital of the United States. It sits between Maryland and Virginia in the Mid-Atlantic region of the East Coast.
Most of the capital city is flat, as it lies on the banks of the Potomac River. However, there are some rolling hills in the south and north of town.
Because D.C. is a metropolitan area, the top home warranty companies have an extensive network of service providers ready to assist when your items break. Rural locations around the States aren’t this lucky.
Read Also: What Are The Recommended Companies For Virginia Beach Residents?
Real Estate Data
Homes in Washington, D.C. are more costly than other areas in the country, with the median house selling for $623,000. The closer you are to Capitol Hill, the more you will pay for a property.
The housing market is also pretty competitive. The average home only stays on the market for 26 days and receives multiple offers.
Many of the homes in the District of Columbia are also older homes. So, it is even more important for homeowners to expect and plan for repairs.
What Will A D.C. Home Warranty Cost You?
Home warranties in Washington, D.C. are comparable to the rest of the United States. Coverage starts at around $30 per month and top of the line packages can cost as much as $125 per month.
On average, you can expect to pay under $60 per month for a plan that includes:
- Ice makers
- Clothes washers
- Clothes dryers
- Whirlpool tubs
- Garage door openers
- Air conditioners
- Heating systems
- Plumbing stoppages
- And more!
Add on coverage is also available for pools, spas, sump pumps, septic tanks, central vacuums, and many other systems.
What Types Of Plans Are Available For You In D.C.?
As we mentioned, Washington, D.C. residents have access to all of the top home warranty providers. So, you can customize coverage to fit your house.
Familiarizing yourself with your options can help you choose the most beneficial plan. Most companies only offer a couple of programs. However, you can also add individual items.
Appliance plans only cover components like your cooktop, dishwasher, ceiling fans, garbage disposal, doorbell, and other items that are not built into the structure of your home. These are a great choice if you live in a newer home with older appliances.
Coverage for appliances is valuable because, on average, these devices cost as much as several thousand dollars. Then, you have to pay a professional to install them properly.
Home systems plans are also available to protect your electrical system, plumbing system, ductwork, and air conditioning. You may want to choose a systems package if you recently purchased new appliances that are still covered by a manufacturer’s warranty.
If you want protection for your major appliances and systems, a combo plan is probably your best option. Combo plans include a variety of machines and systems.
Most plans include around a dozen home components. However, when you purchase a combo package, you need to pay attention to the covered items.
Home warranty companies often offer several combo packages. Entry-level plans typically exclude clothes washers, dryers, refrigerators, and HVAC systems.
When you select an upper-tier plan, it should include all of your home’s systems and major appliances.
Options and Add-Ons
For homeowners who have a pool, well pump, trash compactor, central vacuum, or other unique home components, you can add coverage for those items individually. American Home Shield even lets you customize a plan with ten things you want to cover, and you can add on additional items for just a few dollars extra per month.
Is A Washington, D.C. Home Warranty Worth It?
Considering that replacement costs for the most costly systems in your home can cost as much as $10,000, and even a simple plumbing stoppage can run you around $300 in Washington, D.C., a home warranty can help to protect you from paying out of pocket for costly repairs.
Financial experts suggest that homeowners should plan to spend around a dollar square foot or one percent of the value of their home for home repairs and maintenance each year. You should also have at least that much in savings in case of a major system malfunction.
Do you have that much in your savings account? If you do not, a home warranty can save you from a situation where you are unable to make a crucial repair.
As a home service holder, you also have access to your home warranty provider’s network of service technicians. That means when something breaks, you do not have to spend valuable time searching for a qualified service provider.
And, most of the top home warranty companies in Washington, D.C. offer reservice for parts and labor for at least 30 days free of charge. Try getting a contractor to come back to your home free of charge.
Home warranties not only help you save money and budget for expensive system replacements; they also give you peace of mind and reduce repair-related stress. So, it is not only worth it to buy home warranty coverage; it is a necessity.
What Are The Home Warranty Regulations In D.C.?
In the District of Columbia, home warranty providers have to apply with the Department of Insurance, Securities, and Banking. That means the providers in your state are subject to laws that are not in place in other areas.
There are separate provisions and laws that home warranty providers follow. So, your plan, which people sometimes refer to as a home protection policy, is not an actual insurance policy.
Best Home Warranty In Washington D.C.?
Choice Home Warranty stands out in the home warranty market as the #1 pick in D.C. Choice Home Warranty is a must-have if you value quality coverage, comprehensive plans offerings and customer service availability 24/7.
How To Choose Coverage In Washington, D.C. (Is It Unique)?
Are you wondering how to choose the best plan for your Washington, D.C. home? It can be challenging to pick a plan, but here are a few steps that will make it more straightforward.
Step 1: Make A List Of Plan Options You Want
Making a list of the coverage options that are most important to you can help you choose a plan that fits your needs. It will also help you when you compare coverage and plan costs.
Step 2: Get Quotes From The Best Home Warranty Companies
The best home warranty companies in the industry are happy to provide consumers with free quotes. You simply fill out a form with the coverage options you want, and the company will send a quote that includes all of your desired items.
Step 2: Compare Home Warranty Offers
Once you have the quotes, you will need to compare coverage and plan costs. Analyzing the components included in each plan is an essential step.
An upper-tier combo plan may not necessarily include your HVAC system. For example, neither of the programs offered by First American Home Warranty include HVAC coverage. However, the add-on HVAC system protection is excellent.
Step 3: Review A Sample Service Contract
If you have any questions about your policy after comparing offers, visit the website you’re interested and view a service contract.
We consider this an essential step at ReviewHomeWarranties, as a sample service contract will provide you with a better understanding of what is included in coverage so that your claims are less likely to be denied.
Step 4: Read Home Warranty Reviews
Consumer sites like the Better Business Bureau (BBB) are an excellent resource anytime you are making a significant purchase. They give you a first-hand view of what it is like to work with a business.
When reading reviews, make sure you look for reviews from homeowners in your area because some companies with an A rating might not have an established network of service technicians in your area.
That means you could face delays when you put in a service request. You should also keep an open mind and read both the customer’s review and resolutions by the home warranty company.
Curious about the pros and cons of owning a single-family home, condo or townhome in D.C.? This video may help.
Top D.C. Home Warranties Reviewed
Now that you know how to choose coverage, what you need to consider before purchasing a plan, and when you need a home warranty, you are probably wondering which providers are the best home warranty companies for Washington, D.C. homeowners.
So, here is our list of the top 5 home warranty companies in Washington, D.C., with the pros and cons of choosing each.
1. Choice Home Warranty
Choice Home Warranty is our first choice for Washington, D.C. homeowners. Choice is one of the largest companies offering home protection in your area, and the plans are affordable and comprehensive.
You can start coverage with the Basic Plans starting at $36.17 per month. The Basic Plan includes more than a dozen home appliances and systems, including your home’s heating system. If you want complete protection, the Total Plan is just $43.85 per month, and it includes clothes washers and dryers, ductwork, air conditioners, and more.
- Both Choice plans cover water heaters and heating systems.
- You have access to 24/7/365 customer and emergency services.
- Choice guarantees work by its contractor network for 90 days.
- The contractor pool is not as large as some more established providers.
- Older appliances may not be covered in your plan.
- Replacement differ depending on the item.
2. American Home Shield
American Home Shield is one of the oldest home warranty companies offering service in the District of Columbia. As a more established home service provider, American Home Shield (AHS) has an extensive database of vetted service technicians.
The plans include appliances, systems, combo, and build your own packages. Systems and appliance plans start at $49.99 each, and the combo plan is $59.99 per month.
You also have the option of choosing your service request fees, and you can customize a plan starting at $54.99 per month.
- You can customize coverage to fit your needs.
- The contractor network is established.
- You can submit service requests online and over the phone.
- Coverage with AHS will cost more than it does with most providers.
- Contractor work and parts are only guaranteed for 30 days.
- Plans automatically renew 30 days before your contract ends.
3. Select Home Warranty
Select Home Warranty opened in 2009, so it is one of the smaller companies in the industry in terms of employee size, service provider network, and the number of contracts Select has.
However, the plans are comparable to larger competitors. You can choose between the Bronze, Silver, and Platinum Plans, each with different covered items.
The Bronze and Silver Plans cover appliances and systems, respectively, and both start at $35.83 per month. The Platinum Plan, which is a combo plan, starts at just $2 more per month.
- Consumers leave positive reviews for Select on home warranty review sites.
- Add-ons and plans are affordable.
- Cancellation is free within the first 30 days.
- All claims must be submitted within three days.
- It could take longer for service requests.
- Select has a smaller service provider network.
4. Total Home Protection
Total Home Protection opened for business in 2016, making it one of the latest options in Washington, D.C. Despite being a newer company, the plans are reasonable, and Select offers one of the best septic system coverage options available.
When it comes to plans, you can pick between the Gold Plan and the Platinum Plan. Coverage starts at $45.33 per month, and you have the option of adding systems and appliances not included for a reasonable monthly fee.
- The septic system coverage is excellent.
- Select guarantees contractor work for 90 days.
- Service fees are only $75 per visit.
- You only have one day to file a service request.
- There is a $50 cancellation fee if you do not cancel in the first 30 days.
- It might take longer for service requests.
5. First American Home Warranty
First American is a market veteran with some of the most budget-friendly plans available. Many new home buyers choose First American because of the affordable coverage and comprehensive policies.
However, First America does not include HVAC systems in either of the plans it offers. Nevertheless, the add on protection for heating and air conditioning systems is superb, and combo plans from First American start at just $28 per month for the Basic Plan.
You can also select the Premier Plan, which covers additional items like your washing machine, clothes dryer, and refrigerator for just $42.50 each month.
- First American offers affordable home protection plans.
- As a First American customer, you have access to one of the largest networks of service providers.
- The HVAC coverage is excellent.
- First American only offers HVAC coverage as an add-on.
- The plans do not cover as many items as plans from other providers.
- Your contract will automatically renew 30 days before your contract end date.
Final Thoughts On D.C. Home Warranties
Now that you have all of the vital information about home protection plans, you are well on your way to picking an excellent coverage package for your property. Now, all you have to do is obtain a few free quotes and decide which plan best fits your needs.