Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Although homeownership in Helena Valley West Central has many benefits — such as being surrounded by nature — there are also not so glamorous sides. One major hassle many homeowners have to deal with inevitably is updating or repairing their home appliances and systems. A home warranty policy can help protect homebuyers and current homeowners by covering major repairs and replacements on your home’s most important appliances and systems.
The home warranty market is saturated with a lot of providers — all with different coverage — so the Today's Homeowner team has done the research to help you choose the best home warranty companies in Helena Valley West Central.
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
In Helena Valley West Central, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been on the market for more than 6 years, making it a well-respected company in the industry. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, Liberty is the perfect provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is less than other providers in the Helena Valley West Central area.
Read our review of Liberty Home Guard to learn more. To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
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
In Helena Valley West Central, Choice Home Warranty offers the best overall home warranty. Choice has been on the market for more than 15 years, making it a well-respected company in the industry. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage. If you’re looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is less than other providers in the Helena Valley West Central area.
Read our review of Choice Home Warranty to learn more. To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
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
In Helena Valley West Central, Select Home Warranty offers the most cost-effective home warranty. Select has been on the market for more than 11 years, making it a well-respected company in the industry. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, Select is the perfect provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is less than other providers in the Helena Valley West Central area.
Read our review of Select Home Warranty to learn more. To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
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
In Helena Valley West Central, American Home Shield offers the most customizable home warranty. AHS has been on the market for more than 26 years, making it a well-respected company in the industry. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Helena Valley West Central area.
Read our review of American Home Shield to learn more. To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.
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
In Helena Valley West Central, First American Home Warranty offers the best home warranty for appliance coverage. First American has been on the market for more than 39 years, making it a well-respected company in the industry. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage. If you’re looking for very affordable and comprehensive appliance coverage, First American is the perfect provider for you. Plus, it 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.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. The coverage limits from First American are about $1,500. The service fees are a reasonable $85, which is less than other providers in the Helena Valley West Central area.
Read our review of First American Home Warranty to learn more. To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.
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
In Helena Valley West Central, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been on the market for more than 44 years, making it a well-respected company in the industry. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Helena Valley West Central area.
Read our review of Cinch Home Services to learn more. To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
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
In Helena Valley West Central, The Home Service Club offers the best home warranty with the quickest service. HSC has been on the market for more than 15 years, making it a well-respected company in the industry. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, HSC is the perfect provider for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Helena Valley West Central area.
Read our review of The Home Service Club to learn more. To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
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 | $6,034 |
| Heating | $4,023 |
| Electrical | $603 |
| Toilets | $503 |
| Washer/Dryer | $805 |
| Plumbing | $603 |
| Oven | $1,609 |
| Fridge | $603 |
A home warranty is a protection policy that assists Helena Valley West Central homeowners lower the costs of appliance and system repairs. The plans offer financial coverage to fix or replace appliances and systems that stop working due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty company then finds a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners peace of mind by helping avoid expensive emergency repairs. The coverage is particularly helpful for buyers of older houses or houses with fixtures near the end of their life span. However, people with newer homes and functioning appliances may not require a home warranty.
Home warranties cover your household systems and appliances. Warranties usually cover appliances such as washers, dryers, garbage disposals, refrigerators, microwaves, dishwashers, and others. Covered systems include air conditioning, electrical, plumbing, and heating. Many home warranty companies also provide add-on coverage for septic systems, roof leaks, central vacuums, and locksmiths. Helena Valley West Central homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. Additionally, most policies only cover the cost of repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. Make sure to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Here are some essential home warranty terms to learn before signing a contract:
There are several key considerations when selecting a home warranty provider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans cover electrical, AC, plumbing, heating, and appliances. More inclusive options also cover other items such as pools, well pumps, roof leaks, and spas. Look for providers with varied coverage options, including upgraded plans. This helps you tailor protection to your home's needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using companies with lower service fees to maximize savings. Some providers also offer disappearing deductibles after periods where a customer files no claims.
A home warranty company's reputation can provide insight into things such as contractor quality, approval rates, repair timeliness, and customer service. Check review platforms such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Good ratings and feedback indicate a provider known for great service.
Home warranty companies use networks of local repair professionals to manage repairs in a given area. Reach out to potential businesses to learn the number of repair professionals they have in Helena Valley West Central and get an idea of how fast your repairs could be handled in an emergency. Bigger networks increase the chance of getting qualified contractors to promptly service your home.
Some home warranty providers offer bonuses such as maintenance discounts, energy efficiency upgrades, and smart home device protection. These perks can add value beyond repair coverage. Added bonuses help maximize the usefulness of the home warranty.
Home warranties are an affordable way to guard your home systems and appliances from normal wear and tear. With temperatures in Helena Valley West Central reaching an average high of 49℃F, you may find that some appliances, like your air conditioning system, get a lot of use. A home warranty can significantly bring down out-of-pocket costs should your HVAC system break down.
Along with saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the hassle of trying to find a qualified technician to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair issues you may come across. Another added benefit of having home warranty coverage is that it can increase your home’s property value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you purchased your home warranty through.
There are also some negatives to getting a home warranty policy, like the coverage exclusions. For example, home warranties may not cover systems or appliances that are already covered by a manufacturer's warranty.
Another consideration is that home warranties usually only cover damage from normal wear and tear. They commonly won’t cover systems or appliances that have been damaged due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty in Helena Valley West Central can cost anywhere from $30 to $60 a month. Higher-priced plans typically have broader coverage, a lower service fee, and higher coverage limits. You can often lower this cost by paying annually instead of monthly. Some companies will also reduce your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranties cover problems with home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger plan that protects your entire home from natural disasters, which might not be too much of a concern in Helena Valley West Central. It doesn't cover a normal appliance or system repairs.
A home warranty policy can help homebuyers, real estate agents, homeowners, investors, and home sellers. It can provide peace of mind to anyone involved with homeownership.
The different types of home warranties in Helena Valley West Central include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers almost all your home systems and appliances, such as your refrigerator, washing machine, and heating and cooling systems. A plan that only covers appliances or systems will cover only the specific items mentioned in the policy.
Generally, a home warranty policy lasts for a year and can be renewed annually. Some providers may offer month-to-month options.
Typically, the person who owns the home pays for the home warranty. In some cases, though, the home seller may purchase a home warranty plan and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Considering that the average home value in Helena Valley West Central is $428,717, a home warranty can save you some money when buying a home.
