Best 6 Home Warranty Companies in Missoula, MT

Are Home Warranties Worth It for Missoula Residents?

Yes, home warranties are worth it for Missoula residents. Summers in Missoula are fairly mild, but it's still important for your air conditioner to work properly. However, over time this system can malfunction due to breakdowns from regular wear and tear.

Winters in Missoula can be freezing, which means you rely heavily on your heating system. HVAC system replacement can cost between $2,500 and $8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we received from home warranty companies across the nation. The regular rain in Missoula can damage your roof.

The financial burden of this will be lessened if you have a home warranty with roof-leak coverage. Finally, home warranties connect you with trustworthy service providers. When life is keeping you busy, you want to know that a reliable technician is handling your repairs.

Reputable home warranty companies vet every service provider they work with.

What To Consider Before Choosing a Home Warranty Company

Consider the following factors to determine the right home warranty plan for your needs.

Cost

After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost an average of $53–$62 a month. You'll also pay a service call fee whenever you file a claim. These fees typically range from $65–$125 per claim. Basic home warranty plans generally cost less than comprehensive ones. Appliance plans usually cost less than home systems coverage plans. Consider your specific needs before choosing a plan, as add-on coverage options will raise the monthly price.

Coverage

Many home warranty providers offer systems-only plans or plans for select appliances. Determine which systems and appliances you use most often before choosing a plan. If you only need coverage for certain major systems (such as heating) or specific appliances, you can find a plan that meets your needs. The following is a list of common systems coverage:

• Air conditioner
• Central vacuum
• Ductwork
• Electrical
• Heating
• Plumbing
• Water heater

• Built-in microwaves
• Clothes washers and dryers
• Dishwashers
• Garbage disposals
• Ovens
• Refrigerators
• Stovetops

Exclusions

Most home warranties cover only normal wear and tear, which excludes improper installation and preexisting conditions. Additionally, most policies will exclude appliance components or cosmetic issues, routine maintenance, defects, or theft. Each provider will outline its exclusions and limitations in its service contract. Thoroughly read your contract to fully understand the terms and conditions of your plan.

Provider Reputation

Provider reputation is another key factor to consider. You can browse customer reviews on sites such as Trustpilot, Google Reviews, and Best Company or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can provide insight into how a company handles claims and customer service. Check with the Montana Office of Consumer Protection to verify the status of a provider's state license.

Contractor Network

Consider a home warranty company's network of service providers. Make sure to ask where and how it sources technicians—reputable companies should always use licensed and registered contractors. If you can, use a provider that mentions the names of familiar contractors. Rural homeowners should consider choosing a home warranty that lets them select their technician. Rural areas may not have any in-network service providers available, so customers might need to source their own.