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Best Home Warranty in Missoula, MT

Jan. 24, 2020, 1:18 a.m.

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.

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#1
MOST POPULAR
American Home Shield

Be sure with The Shield.

VISIT WEBSITE
CALL AMERICAN HOME SHIELD
(888) 395-0952
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#1 Most popular
American Home Shield
American Home Shield
Features
  • 4 coverage plans
  • Starting at $75 deductible
  • Coverage regardless of age or make
  • Available in Missoula
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VISIT WEBSITE
CALL AMERICAN HOME SHIELD
(888) 395-0952
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#2
Choice Home Warranty
Choice Home Warranty
Features
  • One free month
  • $60 service call fees
  • Available in Missoula
  • Extensive & basic plan
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VISIT WEBSITE
CALL FOR QUOTES
(732) 765-6416
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#3
Liberty Home Guard
Liberty Home Guard
Features
  • Month-to-month, annual or multiyear policies
  • Repair or replace your broken items
  • Plans start at less than $1 per day
  • 24/7 customer claims service
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VISIT WEBSITE
CALL LIBERTY HOME GUARD
(623) 314-3141
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#4
Total Home Protection
Total Home Protection
Features
  • Coverage regardless of age
  • Work with licensed, local technicians
  • 24/7 claims service
  • Available in Missoula
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VISIT WEBSITE
CALL FOR QUOTES
(732) 520-4474
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#5
America's 1st Choice Home Club
America's 1st Choice Home Club
Features
  • 2 coverage plan options
  • Fixed rate locked in with no year-to-year increases
  • No limit on service requests
  • Flexibility to choose your own service technician
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VISIT WEBSITE
CALL AFC HOME CLUB
(678) 236-0645
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#6
Select Home Warranty
Select Home Warranty
Features
  • Buyer & seller coverage
  • 3 coverage plans
  • Available in Missoula
  • 24/7 claims
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VISIT WEBSITE
CALL FOR QUOTES
(317) 754-6642
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Home warranty in Missoula

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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:

Appliances Systems
Refrigerator Air conditioning
Oven/range Heating
Dishwasher Plumbing
Garbage disposal Electrical
Built-in microwave Water heater
Washer and dryer Smoke detectors

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

American Home Shield

CALL AMERICAN HOME SHIELD

(888) 395-0952 VISIT AMERICAN HOME SHIELD

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.

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Choice Home Warranty

Choice Home Warranty

CALL FOR QUOTES

(732) 765-6416 VISIT CHOICE HOME WARRANTY

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.

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Liberty Home Guard

Liberty Home Guard

CALL LIBERTY HOME GUARD

(623) 314-3141 VISIT TOTAL HOME PROTECTION

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.

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Total Home Protection

Total Home Protection

CALL FOR QUOTES

(732) 520-4474 VISIT TOTAL HOME PROTECTION

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.

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America's 1st Choice Home Club

America's 1st Choice Home Club

CALL AFC HOME CLUB

(678) 236-0645 VISIT AMERICA'S 1ST CHOICE HOME CLUB

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.

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Select Home Warranty

Select Home Warranty

CALL FOR QUOTES

(317) 754-6642 VISIT SELECT HOME WARRANTY

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.

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