Find the Best Home Warranty Companies in Billings, MT

Home warranty coverage in Billings

A home warranty protects Billings homeowners from having to pay for costly repairs when certain household appliances and systems break down. These items include air conditioners, water heaters, refrigerators, washing machines, dishwashers and more. When you have a home warranty and need a repair, all you pay is a trade service call fee — usually between $50 and $125 — and the home warranty company pays the rest to restore things to working order.

Home warranties are most commonly purchased by new homeowners, owners of homes with older systems and appliances, sellers providing a purchasing incentive and rental property investors. You can pay monthly for one of these service contracts, which usually last 12 months, and there’s often no limit to how many claims you can make. Certain exclusions and payout limitations apply.

How to get a home warranty in Billings

When buying a home warranty, Billings residents should shop around with various providers. Gathering quotes allows you to compare coverage and costs. Be prepared to choose between a plan that covers either appliances or systems or both. Some companies allow you to add on coverage for items like a pool/spa, a second refrigerator or a sump pump.

There are several factors you should take into consideration when shopping for a home warranty:

• Customer reviews: Have other people had positive experiences with this company? Do customers recommend the company?
• Service call fees: Can you choose from various service call fee options before getting a home warranty? How much will you owe for each claim?
• Contract limitations: What are the exclusions and limitations in the contract? Are there maximum payout amounts? Is there a waiting period before coverage begins? Can you cancel anytime?

Billings home warranty costs

The average annual cost for a home warranty for Billings residents is about $600, or $50 per month. The cost of a plan depends on the size of your home, the type of plan you select, whether you add on coverage and the amount of your service fee.

We asked for quotes from America’s 1st Choice Home Club, Select Home Warranty and Cinch Home Services to see how much it costs for a plan that covers both systems and appliances in Billings at the time of publishing. Your exact quote may vary.

• America’s 1st Choice Home Club: The Gold Plan, which covers systems and appliances, costs $45.83 per month with a service fee of $75.
• Select Home Warranty: The Platinum Care plan costs $50 a month with a $60 service fee. It covers systems and appliances.
• Cinch Home Services: The Complete Home plan covers systems and appliances and costs $61.99 monthly with a service fee of $100.

Billings home warranty FAQ

What is a home warranty?

A home warranty is a service contract that covers most of the cost of repairs or replacements of specific household systems and appliances that break down. It is not the same as homeowners insurance.

Do I need a home warranty in Billings?

A home warranty isn’t legally required in Billings, but many homeowners purchase one for financial protection in case an older home appliance or system that is no longer covered by the manufacturer breaks down.

How does a home warranty work?

If a covered system or appliance in your home needs service, you file a claim with your home warranty company. The company sends a technician from its network to your home to diagnose the problem and make the repair or replacement. You pay the service call fee according to your contract, and the home warranty company pays the rest.

What does a home warranty cover?

Home warranty plans generally cover home systems, home appliances or a combination of both. Systems usually include air conditioning, heating, plumbing, electrical, water heater and ductwork. Appliances usually include washer, dryer, refrigerator, oven, stove and dishwasher. Some companies allow you to add on coverage for things like a pool, stand-alone freezer and electronics.

Are home warranties worth it to Billings residents?

Home warranties can save you hundreds of dollars in out-of-pocket repair costs. In addition, home warranty companies save you the trouble of finding a qualified contractor. The types of people who find home warranties worth it in Billings are those living in or selling a home with older appliances and systems.