Home warranties in Washington
RegulatedIn Washington, home warranties are regulated and providers must be licensed. 9 of the companies we track operate here.
Warranty registry plate
Sheet WA · Washington 9 cos. · #49/51
- REG-YES Regulated
- LIC-REQ License required
- RANK-BOTTOM #49/51
- BELOW-PEER 2 cos. back
- COST-HIGH ~$525/yr
- DESK-REG Regulator desk
- OWN-MID 63.0% owners
- BOOK-FULL 7/7 fields
Nearest inventory peer: Wisconsin (+ 2 tracked companies)
Instrument codes from this state’s regulation posture, licensing, inventory rank, peer gap, advertised plan cost, complaint desk, homeownership, and registry book, not a moving recommendation.
Company inventory near Washington
Lowest/highest poles plus states nearest Washington on tracked company inventory. Full ladder: /states.
States near Washington's higher plan-cost band
Peer states for Washington ranked by advertised annual plan cost first; Census homeownership is the secondary lens.
Closest match: average annual plan cost
Nearest advertised annual costs ($525 here).
States near this homeownership rate
Nearest Census homeownership rates (63.0% here).
Higher advertised plan cost
What this means for you: Washington regulates home warranties, but the tracked issuer book is thin (9). Escalate unresolved disputes to the state regulator, and compare the few listed providers carefully.
Consumer protections in Washington
Strictly regulated by Office of Insurance Commissioner. Companies must be licensed. RCW 48.110. Many major providers do not operate in WA due to strict requirements.
File a complaint in Washington: https://www.insurance.wa.gov/file-complaint-or-check-your-complaint-status
A short list of companies covering Washington
| Company | Reliability |
|---|---|
| HomeServe | 96A |
| Old Republic Home Protection | 89A |
| Cinch Home Services | 74B |
| First American Home Warranty | 73B |
| American Home Shield | 64C |
| Fidelity National Home Warranty | 62C |
| 2-10 Home Buyers Warranty | 60C |
| HSA Home Warranty 1 of 3 signals | 30F |
| Porch Home Warranty 1 of 3 signals | 10F |
Ranked by Reliability Score. Availability is based on each company's published service area and may change. Scores blend Better Business Bureau ratings/reviews with Trustpilot scores, see methodology.
Score basis. A Reliability Score normally blends three signals, and a review signal counts once a company has 5 reviews. 2 companies here rest on fewer, so their scores carry less evidence than the rest of the table: HSA Home Warranty: Trustpilot only (BBB profile not rated, 1 BBB review); Porch Home Warranty: BBB rating only (0 BBB reviews, 2 Trustpilot reviews). How the score is built.
Higher advertised plan cost
Washington in the thin inventory third
About $525 average annual plan cost sits in the top third of tracked states.
Washington is regulated with a thin tracked book (9 issuers). Homeownership is about 63.0%. Advertised annual plans average around $525. Top Reliability Score among the thin set: HomeServe at 96/100.
Compare the Reliability Score table for issuers listing Washington, then open each company card for plan-tier coverage and BBB/Trustpilot sources.
Population and homeownership figures: U.S. Census Bureau, American Community Survey →. Read our methodology - how this data is sourced and computed. According to PlainWarranty's corpus ranking, Washington ranks #49 of 51 states by tracked home-warranty company inventory. How we place states.
Source: Washington Department of Insurance / Attorney General Home-warranty regulation, licensing, and complaint-filing channel · 2026 State population and homeownership: U.S. Census Bureau, American Community Survey. Company reliability: BBB & Trustpilot.