Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
Are you considering a home warranty? Try one of our recommended home warranty companies. Owning a home in Missoula has tons of great benefits, but there are, of course, some downsides too. The humid weather can cause problems in a home and destroy some systems and appliances.
When one of your systems or appliances breaks down, a home warranty will help you cover the costs. A home warranty plan can give homeowners the peace of mind they need to feel less overwhelmed by homeownership. Because the home warranty market has a variety of providers — all with different coverage — the Today's Homeowner team decided to do the research for you to help you find the best home warranty in Missoula.
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 Missoula, Choice Home Warranty offers the best overall home warranty. Choice is a home warranty company with 15 years of experience in the industry, and it has become one of the best providers in the business. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice offers 2 plans for you to choose from.
Choice Home Warranty offers 2 plans for Missoula 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 around $3,000. The service fees are an affordable $85, which is lower than other providers in the Missoula area.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read our detailed review of Choice Home Warranty to learn more.
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 Missoula, Select Home Warranty is the most cost-effective home warranty. Select has been in the home warranty business for around 11 years. Select has 3 plans for homeowners to choose from. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you'll want to have this plan on your side. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also typically around $2,000.
Read our Select Home Warranty full review to learn more. To receive 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 Missoula, American Home Shield is the most customizable home warranty. AHS is a home warranty provider with 26 years of experience in the industry, and it has proved to be one of the best providers in the business. The 3 plans from AHS are easy to comprehend and offer both system and appliance coverage. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that provide a mix of appliance and system coverage. 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 Missoula 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 our review of American Home Shield to learn more.
ShieldSilver
ShieldGold
ShieldPlatinum
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 offers the best home warranty with the quickest service in Missoula. HSC is a home warranty provider with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also 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 HSC are easy to comprehend and offer both system and appliance coverage.
The Home Service Club offers 2 plans for Missoula homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically about $2,000.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read our detailed review of The Home Service Club to learn more.
Standard Coverage Plan
Comprehensive Coverage Plan
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty for Missoula residents. Liberty has over 6 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. When you purchase a home warranty 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 offers 3 plans for you to decide between.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are an affordable $75.
For more information, read our review of Liberty Home Guard. 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
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 offers the best home warranty for appliance coverage in Missoula. First American is a home warranty company with 39 years of experience in the industry, and it has proved to be one of the best providers in the business. The home warranty company offers 2 plans to policyholders with various options for appliance and system coverage. If you're looking for very affordable and comprehensive appliance coverage, you'll want to have this plan on your side. 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. The coverage caps associated with First American's plans are close to the $1,500 mark for many of the major systems and appliances, and service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. To read more, visit our 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 offers the home warranty with the best workmanship guarantee for Missoula residents. Cinch has been in the home warranty business for over 44 years. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options.
Cinch Home Services offers 3 plans for Missoula homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. Cinch's service fees are customizable and range from $75 to $150, and the coverage caps come out to around $1,000-$2,000 per covered system or appliance.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For a more detailed breakdown, read our thorough review of Cinch Home Services.
Appliances Plan
Built-in Systems Plan
Complete Home 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 | $499 |
| Washer/Dryer | $798 |
| Plumbing | $598 |
| Oven | $1,595 |
| Fridge | $598 |
A home warranty is a service contract that makes it more affordable when one of your home systems or appliances experiences a complication. A home warranty can help homeowners who need to keep a budget in place and don't want to dip into their savings to pay for large repair or replacement expenses. Typically, about 30 days after a home warranty plan is paid for, the coverage will start on your home systems and appliances.
When a covered appliance or system needs to be repaired, you file a claim with your home warranty company. Most companies have an online portal system where you can do this. Once you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue.
At this point, you will pay your service fee. Service fees for home warranty customers range from $60 to $150. Most home warranties also have a coverage limit, which is the maximum cost per year or appliance that the home warranty plan will cover for repairs and replacements.
A home warranty plan will cover systems and appliances that have stopped working from normal wear and tear. For instance, if your refrigerator suddenly needs repairs under normal use conditions, this is a perfect time to call your home warranty provider. Appliances covered under a home warranty plan are usually the refrigerator, dishwasher, dryer, microwave, garbage disposal, and more. Systems that are covered include plumbing, air conditioning, heating, and electrical systems.
You can also optionally choose to pay extra for add-on coverage for items like roof warranty, spas, swimming pools, and septic systems.
A home warranty will only cover repairs and replacements due to normal wear and tear. If you don't take care of your home and follow preventative maintenance guidelines, your home warranty will not cover it. Also, a home warranty does not cover cosmetic damages, lack of maintenance, misuse, and pre-existing conditions.
Home warranty plans are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Missoula reaching an average high of 50℃F, you may find that certain appliances, like your air conditioner, get a lot of use. A home warranty can significantly bring down out-of-pocket expenses should your HVAC system break down.
In addition to saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the headache of trying to find a qualified contractor to visit your home. Home warranties usually have a network of pre-vetted technicians who can handle any repair issues you may experience.
Home warranties also have some drawbacks. While it can be convenient that the home warranty sends out a service technician who carries out the repair for you, some may not like this, and they would rather choose their own contractor. If that's the case for you, some home warranty plans allow you to choose a contractor.
Additionally, 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.
The first step in protecting your home with a home warranty is determining which company's plan fits your needs. Think about the appliances and systems in your home you need coverage for and compare the policies. Here are some tips on looking for a home warranty in Missoula:
The best home warranty provider in Missoula is Choice Home Warranty. Choice Home Warranty has an expansive network of professional service technicians and a great reputation in the Missoula area.
A home warranty can help investors, home sellers, real estate agents, homebuyers, and homeowners. It can provide peace of mind and savings to anyone involved in homeownership.
Generally a home warranty plan lasts for a year and you can renew it every year. In Missoula where many rely on heaters to warm their homes in the chilly winters, renewing your policy could help protect you from large, unexpected expenses if your HVAC system needs repairs.
Home warranties will cover the cost of repairs and replacements as long as it is within the policy limits of the plan. If the replacement will cost more than the home warranty plan covers, you will have to pay the rest out of pocket.
A home warranty plan can cost on average around $300 to $800 a year in Missoula. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by choosing a higher service fee. In addition, it's typically cheaper to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, going with the annual plan over monthly payments saves you $80. The key is to compare plans to determine what the best value is.
Home warranties usually don't cover problems due to lack of proper maintenance, intentional breaking of an appliance, pre-existing conditions, or natural disasters. They only cover damage due to normal wear and tear. Even though it doesn't cover all kinds of damage, a home warranty can still be useful to help you save some money in a city like Missoula.
