Written By David Cusick
Last Updated April 2024
The cost of maintaining a home in Helena Valley Southeast can be expensive, particularly as your home ages and your appliances and systems have to be repaired or replaced. A home warranty in Helena Valley Southeast can help bring down your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that malfunction due to normal wear and tear.
The home warranty market is saturated with many providers — all with different offerings — so our team at Today's Homeowner has compiled this guide to help you choose the best home warranty companies in Helena Valley Southeast.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty for Helena Valley Southeast residents. The 3 plans from Liberty are comprehensive and have a mix of both system and appliance coverage. When you purchase a policy from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Helena Valley Southeast homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is lower than other providers in the Helena Valley Southeast area.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read more by visiting our comprehensive review of Liberty Home Guard.
Appliance Guard
Systems Guard
Total Home Guard
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty is the best overall home warranty for Helena Valley Southeast residents. The 2 plans from Choice are comprehensive and have a mix of both system and appliance coverage. When you purchase a policy from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Helena Valley Southeast homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is lower than other providers in the Helena Valley Southeast area.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read more by visiting our comprehensive review of Choice Home Warranty.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty is the most cost-effective home warranty for Helena Valley Southeast residents. The 3 plans from Select are comprehensive and have a mix of both system and appliance coverage. When you purchase a policy from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty offers 3 plans for Helena Valley Southeast homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is lower than other providers in the Helena Valley Southeast area.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read more by visiting our comprehensive review of Select Home Warranty.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
American Home Shield is the most customizable home warranty for Helena Valley Southeast residents. The 3 plans from AHS are comprehensive and have a mix of both system and appliance coverage. When you purchase a policy from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Helena Valley Southeast homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Helena Valley Southeast area.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read more by visiting our comprehensive review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty is the best home warranty for appliance coverage for Helena Valley Southeast residents. The 2 plans from First American are comprehensive and have a mix of both system and appliance coverage. When you purchase a policy from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
First American Home Warranty offers 2 plans for Helena Valley Southeast homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. The coverage limits from First American are about $1,500. The service fees are a reasonable $85, which is lower than other providers in the Helena Valley Southeast area.
To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read more by visiting our comprehensive review of First American Home Warranty.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
Cinch Home Services is the home warranty with the best workmanship guarantee for Helena Valley Southeast residents. The 3 plans from Cinch are comprehensive and have a mix of both system and appliance coverage. When you purchase a policy from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Helena Valley Southeast homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Helena Valley Southeast area.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read more by visiting our comprehensive review of Cinch Home Services.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club is the best home warranty with the quickest service for Helena Valley Southeast residents. The 2 plans from HSC are comprehensive and have a mix of both system and appliance coverage. When you purchase a policy from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club offers 2 plans for Helena Valley Southeast homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Helena Valley Southeast area.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read more by visiting our comprehensive review of The Home Service Club.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
Home Appliance | Repair Cost |
---|---|
Air Conditioner | $5,982 |
Heating | $3,988 |
Electrical | $598 |
Toilets | $498 |
Washer/Dryer | $798 |
Plumbing | $598 |
Oven | $1,595 |
Fridge | $598 |
A home warranty is a protection plan that helps reduce the high costs for Helena Valley Southeast homeowners needing appliance and system repairs. These plans provide financial coverage to fix or replace appliances and systems that break due to normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then finds a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners peace of mind, as it helps avoid high-priced emergency repairs. The coverage is especially helpful for those living in older houses or houses with fixtures near the end of their life span. However, people with newer homes and functioning appliances might not need a home warranty.
Home warranties cover many home systems and appliances. Warranties usually cover appliances such as dryers, garbage disposals, dishwashers, washers, refrigerators, microwaves, and others. Covered systems include heating, electrical, air conditioning, and plumbing. Many home warranty companies also provide add-on coverage for septic systems, central vacuums, roof leaks, and locksmiths. Helena Valley Southeast should understand that most home warranty plans have a 30-day waiting period before repair claims will be approved. The majority of policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, natural disasters, pre-existing conditions, or improperly using a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
Before signing a home warranty contract, you should understand key terms like:
When selecting a home warranty provider, there are several key factors to consider:
Home warranty coverage varies widely in the items that are included. Most plans provide coverage for electrical, plumbing, AC, heating, and appliances. More robust coverage options also cover other items such as roof leaks, pools, well pumps, and spas. Look for a provider that offers comprehensive coverage choices, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using providers with lower service fees to maximize savings. Some providers also offer disappearing deductibles after periods where a customer files no claims.
A home warranty provider's reputation can offer insight into things such as approval rates for claims, contractor quality, speed of repairs, and customer satisfaction. Look at third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research companies. Good ratings and reviews indicate that a provider is known for quality service.
Home warranty providers maintain networks of local contractors to handle repairs in your area. Contact potential providers to find out how many repair technicians they have in Helena Valley Southeast and get an idea for how quickly your repairs could take place in an emergency situation. Wider networks raise the chances of getting qualified contractors to promptly service your home.
Some home warranty plans provide bonuses such as energy efficiency upgrades, maintenance discounts, and smart home device protection. These perks add value beyond repair coverage. Extra bonuses can maximize the usefulness of the home warranty.
Since temperatures in Helena Valley Southeast can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Purchasing a home warranty policy can help homeowners save money if one of these systems or appliances breaks suddenly.
Not only does a home warranty provide some savings, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a contractor and schedule a repair. A home warranty takes care of this process by sending trusted professionals to your door when you need them most. Another added benefit of having home warranty coverage is that it can increase your home’s real estate value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you purchased your home warranty through.
One of the main drawbacks of home warranties is not every home system and appliance you care about may be covered. It’s important to compare the different plans and select one that covers all the appliances, systems, and add-ons you need.
Also, if you don’t maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty in Helena Valley Southeast can cost between $30 and $60 a month. Higher-priced plans tend to have higher coverage limits, a lower service fee, and broader coverage. You can often lower this cost by paying annually instead of monthly. Some providers will also reduce your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty plans cover issues related to home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of insurance that protects your entire home from natural disasters, which might not be too much of a concern in Helena Valley Southeast. It doesn't cover a normal appliance or system damage.
A home warranty policy can help real estate agents, homeowners, investors, homebuyers, and home sellers. It can provide peace of mind to anyone involved in homeownership.
The different kinds of home warranties in Helena Valley Southeast include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan will cover many of your systems and appliances, such as your washing machine, drier, and HVAC. A plan that only covers appliances or systems will cover only the items listed in the plan.
Home warranty plans usually offer coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month plans as well.
Typically, the homeowner pays for the home warranty. In some cases, though, the one selling the home may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Considering that the average home value in Helena Valley Southeast is $445,255, a home warranty can save you some money when buying a home.