A home warranty in Helena can help decrease your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that break down due to normal wear and tear.
As much as you may love owning a home in Helena, there is always that concern about whether or not your systems and appliances are going to need to be replaced over the next few years.
Finding the best home warranty on the market can be quite challenging since there are so many companies to choose from. That's why the House Method team did the research and made a list of the best home warranty companies in Helena for you.
Determining the right provider for your home warranty is a step you could take to protect your house. Before making your final decision, here are a few other factors to bear in mind:
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, Choice Home Warranty offers the best overall home warranty. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also generally about $3,000 at the maximum.
For more information, read our Choice Home Warranty Review. To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
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 in Helena. The 3 plans from Select are easy to understand and offer both system and appliance coverage. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, 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. Select's service fees are a reasonable $60, and the coverage limits come out to around $2,000 per covered appliance or system.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read our review of Select Home Warranty to learn more.
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, American Home Shield is the most customizable home warranty. AHS has been operating for over 25 years, making it a well-regarded company in the industry. The 3 home warranty plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. 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.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS's plans are close to the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
Read our American Home Shield Review to learn more. To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
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, The Home Service Club is the best home warranty with the quickest service. HSC has more than 14 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 simple plans, making the selection process easy.
The Home Service Club offers 2 plans for Helena homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain 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 less than other providers in the Helena area.
Read more by visiting our full review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.
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 Helena residents. When you buy 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. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty's plans are close to the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $75.
For a more detailed breakdown, read our review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
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 residents. When you purchase a home warranty 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 has 2 plans for homeowners to choose from.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. The coverage caps from First American are around $1,500. The service fees are a reasonable $85, which is lower than other providers in the Helena area.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. Read more by visiting our review of First American Home Warranty.
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 in Helena. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you'll want to have this plan on your side. Plus, it has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process quick and easy.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch's plans are around the $1,000-$2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit our Cinch Home Services full review.
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
Get a free quote from our #1 recommended provider in Helena
A home warranty is a home protection plan that can decrease the cost of on appliance and system repairs and replacements. Working appliances and home systems are what make living in a Helena home comfortable and convenient. When these things need repairs, it can be expensive and a hassle. Fortunately, with a home warranty in place, an affordable repair is just a phone call away.
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. After 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, which is typically between $60 and $150 depending on what plan you opt for. Once the service fee is paid, a repair person will come to your home, assess the issue, and make the repair. If the repair is covered by the warranty and the coverage cap is not reached, most homeowners will not have to pay any other out-of-pocket costs after the service fee is paid.
Home warranty plans help protect both home systems and appliances. A home warranty can cover repairs and replacements that are a result of normal wear . Appliances covered under a home warranty plan are usually the microwave, garbage disposal, refrigerator, dishwasher, dryer, and more. Systems that are covered usually include water heaters, air conditioners, heating systems, plumbing systems, and electrical systems. You can also optionally choose to pay a bit extra for add-on coverage for items such as spas, swimming pools, roof warranty, and septic systems.
Helena homeowners should know that a home warranty plan will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like pre-existing conditions, cosmetic issues, misuse of a system or appliance, or natural disasters. You need to keep up with preventative maintenance on your home systems and appliances to ensure that your next repair or replacement-related problem will be covered by the policy.
Home warranty plans are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Helena reaching upward of 72 degrees in the summer, you may find that some appliances, such as your air conditioner, get a lot of use. A home warranty can significantly lower your out-of-pocket costs should your HVAC system stop working.
In addition, though it varies by company, some providers will allow you to transfer your warranty if you sell your home. This can make your home more attractive to potential home buyers and help your home sell faster.
One major drawback of a home warranty is not everything you care about may be covered. It's important to research the different plans and purchase one that covers all the appliances, systems, and add-ons you need. Another stipulation is that home warranties usually only cover damage from normal wear and tear. They most likely won't cover home systems or appliances that have been damaged due to improper maintenance, natural disasters, animal infestations, etc.
Although home warranties do have some drawbacks, whether during winter, summer, or the months in between, a home warranty can help mitigate the inevitable expense of home appliances and system repairs, giving you a little peace of mind.
Hopefully, this review of Helena's best home warranty companies has helped you narrow down your choices and ultimately find the best plan for you. Choice Home Warranty stands out as the best overall company. With its comprehensive coverage, affordable pricing, and a good reputation in the industry, Choice Home Warranty has a lot to offer.
The best home warranty company in Helena is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced service technicians and a tremendous reputation in the Helena area.
A home warranty is a type of service contract that provides homeowners extra coverage for their household systems and appliances. These include dishwashers, garbage disposals, dryers, refrigerators, washing machines, water heaters, heating and cooling systems, plumbing, sump pumps, and electrical systems, among others. Some policies also offer coverage for garage door openers, pools, roofs, and ceiling fans. A home warranty can help you save money if these items fail unexpectedly.
Home buyers, landlords, home sellers, homeowners, and real estate agents are all eligible for home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save homeowners money in the long run.
Usually coverage for a home warranty plan begins 30 days after the payment receipt. However, a few companies may let you file a claim before this, so verify with customer service to find the exact waiting period for your case.
Most home warranties are going to cover replacement costs as well as repair costs. How much the home warranty will cover varies from one plan to the next. You can expect that home warranties will give you some money towards a replacement but don't expect to have the entire replacement paid for.
A service fee is a cost that you must pay before a service technician or contractor comes to your home to repair your home warranty-related issue. The pricing is typically between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket expense that homeowners are subject to with a home warranty apart from the monthly premium/annual cost.