Home warranties cover repairs and replacements of certain household systems and appliances that break down from wear and tear. Our partners at We researched the best home warranty in Missoula to understand how these contracts work and what to look for before signing up with a company.
A home warranty is a service contract that pays for repairs and replacements of major appliances and systems in your home that break down from normal use. When making a claim, you pay a small deductible and the home warranty sends a technician to diagnose the problem and pays for the fix as long as coverage applies.
Don’t confuse a home warranty in Missoula with homeowners insurance. Home insurance, usually required by a lender when you purchase a house, protects you from financial loss due to events including fire, storms and theft. A home warranty, an optional purchase you can make at any time during homeownership, covers systems and appliances that break down from age and wear and tear.
Appliances and other systems typically covered under a home warranty include:
Washer and dryer
You can also purchase optional home warranty coverage for pools and spas, second appliances, well pumps, septic pumps, guest units and even electronics.
Are home warranties worth it
To decide if a home warranty is worth it in Missoula, consider:
The age of your appliances and systems and the likelihood they break down from wear and tear
Your ability to pay out-of-pocket costs for repairs and replacements
Home warranty cost
What the home warranty contract covers
The service call fee (the amount you owe per claim)
Anyone who owns a home can buy a home warranty in Missoula. Home warranties are most popular among new homeowners, owners of homes with older appliances and systems, owners of rental properties, home sellers and realtors.
Home much does a home warranty cost in Missoula
Home warranty cost in Missoula starts at $300 per year. Most home warranties in Missoula cost between $350 and $600. Home warranty cost depends on what’s covered, the amount of the service call fee and the type of home you own. You can pay monthly or annually.
What to do when you need repairs
When one of your covered systems or appliances breaks down, you can make a claim online or over the phone. You pay the service call fee established in your contract — usually between $50 and $125 — and the home warranty company sends a contractor in its network to your home to diagnose the problem. As long as the breakdown is covered under the terms of your home warranty in Missoula, the contractor will make the repair or replacement — and you owe nothing further.
What to look for when choosing a home warranty company
Before choosing for a home warranty company in Missoula, make sure you read customer reviews. Is making a claim easy? Are representatives and contractors friendly and competent? Does the company honor its contracts? Are the repairs and replacements satisfactory?
Always read over a home warranty contract carefully. Make sure you understand what’s covered. Pay attention to when coverage takes effect (sometimes 30 days after purchase) and if there’s a dollar cap on total coverage. Most home warranties allow you to cancel anytime and receive a prorated refund, and transfer coverage if you sell your home.
American Home Shield is the largest, most popular home warranty provider, covering 1.8 million customers. Choose a system, appliance or combo plan, or customize your own coverage. Customers can request service 24/7 online or by phone. Reviewers say AHS staff and its network of licensed contractors handle claims promptly and professionally.
Choice Home Warranty offers Total and Basic Plans, plus optional plenty of optional coverages. Customers can make claims 24/7 over the phone or online. Reviewers like Choice Home Warranty’s easy sign-up, customization options and the prescreened service providers.
Liberty Home Guard offers appliance, systems and comprehensive home warranty plans that come with a 30-day money-back guarantee. Customers get access to 24/7 claims support and a network of over 10,000 certified technicians. Cancel your contract anytime. Reviewers give Liberty Home Guard mostly five stars for its fast, responsive service and support.
Total Home Protection has Gold and Platinum home warranties, with benefits including a 24/7 claims hotline and service from licensed and insured technicians. Customers like that Total Home Protection has no limit on number of claims and no fee to transfer a home warranty to a new homeowner.
America’s 1st Choice Home Club has four home warranty plans, each including extras like free credit monitoring and savings at restaurants and retailers. Service comes with parts and labor guarantees for your entire membership term. Customers like the option of choosing their own technician with AFC Home Club.
Get a quote in just minutes from Select Home Warranty, which has three plans plus the option to customize add-ons. Customers like the easy monthly payments and give Select Home Warranty mainly positive reviews for coverage, claims and service.