Everything you need to now about buying a home warranty in Montana
If you are searching for a home warranty company to cover your Montana home, it is important to understand the options, caps, limitations and other differences of available plans. Depending on your budget and coverage needs, the best home warranties have differences that may affect your purchasing decision.
Your warranty company should be able to send you a sample home warranty policy prior to purchase. Just like homeowners’ insurance, this policy should outline the covered items, coverage limitations and exclusions. For instance, if you need coverage for a garbage disposal, you need to make sure it is either covered in the plan, can be added under optional coverage or carries a separate extended warranty from the manufacturer.
Below, we provide further detail about the variability of costs, protection plan options and how to choose the best home warranty plan for your family's needs.
What should you have covered by your Montana home warranty plans?
Montana home warranty plans generally cover your major household appliances and systems. The home warranty coverage you need largely depends on your specific needs and budget. A majority of warranty plans in Montana go well beyond the basic plan and are a combination of the home appliance and systems plan.
Cinch Home Services offers a Complete Home warranty plan that provides home warranty coverage for the following items:
- Clothes Dryers
- Clothes Washers
- Heating System (including Ductwork)
- Instant Hot/Cold Water Dispensers
- Plumbing System
- Smoke Detectors
- Sump Pump
- Water Heater
- Food Centers (Built-in)
- Freestanding Ice Makers
- Microwaves (Built-in)
- Range Exhaust Hoods
- Trash Compactors (Built-in)
- Wall Ovens
- Air Conditioning (including Ductwork)
- Attic Fans
- Ceiling Fans
- Central Vacuums
- Electrical System
- Garage Door Opener
- Garbage Disposal
- Whirlpool/Jetted Tub (Built-in)
Optional home warranty coverage is available for:
How much, on average, does a home warranty cost in Montana and why?
On average, a home warranty in Montana costs between $420-$745 a year. Home warranty coverage that includes air conditioning as well as heating and plumbing costs more than a basic home appliance plan. Most companies will allow you to pay for your home warranty policy upfront or monthly.
Additional coverage can be quoted separately by your home warranty company and can be added to any home warranty plan.
Deductibles range from $100-$150. You only pay for a deductible when you have a repair request. The lower the service fee, the higher the monthly cost for the plan. If you believe you will use the warranty only once or twice per year, a home protection plan with a high service fee will give you the lowest annual cost.
What property types can you cover with a Montana home warranty?
A Montana home warranty can be added to a variety of types of real estate. From single family homes to multi-family homes, your home warranty plan can help protect you from unforeseen risks related to normal wear and tear on any covered home appliance or home system.
How can you determine the best home warranty provider for your needs?
The best home warranty provider for your needs can be determined by first understanding the coverage available to you under your homeowners’ insurance policy. A homeowners’ insurance policy usually covers your home and its contents in the case of fire, theft or extreme weather. A home warranty plan supplements this coverage by insuring you against normal, everyday use of major appliances and home systems.
The best home warranty provider for you will be able to match a plan to your specific coverage needs and budget. Your warranty company should be able to explain the details of your service contract to help you fully understand your warranty coverage.
Why are there different types of home warranty plans available in Montana?
As a Montana homeowner, you can review the service agreements from top protection plan providers to determine which home protection plan best fits your needs. If you are currently searching for a new home, your real estate agent may also be a good resource.
Your home warranty company should be able to easily explain your coverage options. If they cannot, it may be time to move on to other top providers.