Updated Jan 10, 2023
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Montana is a beautiful state with scenic views, wildlife, and distinct season changes. Homeowners in Montana love the open spaces, outdoor activities, and friendly communities. However, just like any other state, Montana’s homeownership comes with its fair share of issues and concerns.
A home warranty will help protect the systems and appliances in your home. If your air conditioning or water heater needs to be repaired, the home warranty will protect you from large out-of-pocket costs associated with this. With Montana having a wide range of climate and weather conditions throughout the year, having a home warranty service provider in place will help improve the livability and affordability of your home. In our guide featuring the best home warranty companies in Montana, we will give you information on how to choose the best home warranty, why Montana homeowners need a home warranty and the best companies for a Montana home warranty.
Why Trust House Method
House Method’s Experts collected and analyzed 2000+ critical data points to identify what makes a great home warranty company in the eye of the consumer. Our reviews team used this data to assess over 60 home warranty providers for coverage extent, annual cost, and national availability to provide unbiased reviews so homeowners can confidently navigate key decisions about their homes.
Choice Home Warranty is the best overall home warranty in the state of Montana. There are several key features that set Choice home Warranty apart from the crowd. However, the fact that this plan has one of the simplest service contracts on the market can make it an intelligent choice. You will quickly learn that there is a lot of fine print involved in-home warranty policies, but Choice Home Warranty keeps things simple. With 13 years in the home warranty industry, Choice expects great customer service, fair pricing, and impressive workmanship.
There are only two Choice Home Warranty plans, the Basic and the Total plans. The unique thing about both of these plans is that they are combo or comprehensive plan choices. This means you can get a mix of appliance and system coverage from just one plan. The overall affordability of the Choice Home Warranty plan is quite impressive. There are also several add-on options to help customize the plan to the needs of your Montana home. The service fees are priced reasonably at $85.
Here’s a detailed look at Choice Home Warranty’s coverage:
Choice Home Warranty has several add-on coverages that you can attach to either of its plans.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
Read the full Choice Home Warranty Review.
Select Home Warranty is the most cost-effective home warranty plan for Montana homeowners. Select Home Warranty offers its customers a broad range of coverage while always keeping fair pricing in mind. The Select Home Warranty has been on the market for close to ten years. One of the features that help to give Select Home Warranty even more value is the addition of free roof leak coverage. Customers will find these plans to be affordable, easy to manage, and have very high-quality workmanship.
There are three Select Home Warranty policies to choose from. There is a systems plan, an appliances plan, and then a combo plan. The combo plan known as the Platinum Care plan is by far the best choice on the market. The Platinum Care plan is just a few dollars more per month but offers Select Home Warranty customers almost double the coverage of the other plans. In addition, if your Montana home has systems such as a lawn sprinkler system or septic system, you can add these to your policy for a small fee. The service call fee from Select Home Warranty is reasonably priced at $65.
Here’s a detailed look at Select Home Warranty’s coverage:
Select Home Warranty has several add-on coverages that you can attach to either of its plans; roof leak coverage is included without having to pay extra.
Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.
Read our Select Home Warranty review to learn more.
American Home Shield is the most customizable plan in Montana. The American Home Shield home warranty has been on the market for more than 50 years. This makes AHS one of the leaders in this industry. With all these years under its belt, American Home Shield has some very impressive service technician relationships across the country. Homeowners will consider American Home Shield to be a premium policy because of the attention to detail and ability to customize the plan to the needs of your Montana home.
There are three American Home Shield policies to choose from. The two combo or premium plans are priced slightly higher than others but offer a broad range of coverage for both systems and appliances. In addition, you will enjoy the add-on coverage benefits of American Home Shield. Again, having the ability to change both the coverage and the pricing to work specifically for the needs of your home will give the AHS plan tremendous value. American Home Shield has a customizable service fee that ranges from $75 to $125.
Here’s a detailed look at American Home Shield’s coverage:
American Home Shield also offers several add-on coverages for homeowners to consider.
To get a free quote from American Home Shield, you can fill out this form or call 888-365-2839.
To read more, visit our American Home Shield review.
The Home Service Club offers the quickest service of any home warranty plan in the state of Montana. Most home warranty policies will require you to wait 30 days before your coverage will begin. With The Home Service Club, your home warranty coverage starts just 10 days after paying for your home warranty policy. Whether you are purchasing a new home or have been in yours for years, The Home Service Club does not require a home warranty inspection before starting the policy. The Home Service Club has very few exclusions and has been a home warranty provider in Montana for more than a dozen years.
There are two home protection plans from The Home Service Club. The two plans are the Standard Coverage and the Comprehensive Coverage. When you look at major systems and appliances covered under these plans, it’s easy to see how The Home Service Club has earned such a tremendous reputation. The service fees from The Home Service Club range from $65 to $125 and are completely customizable.
Here’s a detailed look at The Home Service Club’s coverage:
The Home Service Club also has plenty of add-on options, starting around $5 per month and increasing from there.
To get a free quote from The Home Service Club, fill out this online form or call 800-842-9334.
To learn more information, visit our The Home Service Club review.
Liberty Home Guard is the most trustworthy home warranty in the state of Montana. The Liberty Home Guard warranty has only been on the market for two years, yet in that time period, they have earned an A rating with the BBB. The BBB ratings can be problematic in the home warranty industry as there tend to be quite a few claim disputes. For LHG to earn an A after just two years is quite impressive. The customer service and service call response times with Liberty Home Guard are among some of the best in the industry.
Liberty Home Guard offers three plans for customers to choose from. A systems plan, appliance plan, and a comprehensive plan. You will likely notice that these plans are a bit more expensive than some of the other home warranties on the market. However, the coverage for each plan is also quite deep. More appliances and more systems covered under the plan typically equate to higher pricing. There are some beneficial and unique add-on coverages that go hand in hand with this policy. The service fee will be $75 from Liberty Home Guard.
Here’s a detailed look at Liberty Home Guard’s coverage:
Liberty Home Guard has one of the most extensive lists of add on coverages in the industry; these will include:
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
To learn more information, visit our Liberty Home Guard review.
A home warranty company in Montana will cost about $720 per year. The price for Montana residents will vary depending on the type of home they own, the coverages chosen, and the overall policy and procedures of the home warranty provider. Homeowners that are on a budget should look for a home warranty plan that has customizable fees. Combo or comprehensive plans also tend to add to the total costs you pay for a home warranty in Montana.
|Home Over 5,000 sq ft||$1,294.73|
|Home Under 10,000 sq ft||$641.17|
|Home Warranty Company||Choice Home Warranty||Select Home Warranty||American Home Shield||The Home Service Club||Liberty Home Guard|
|Best For||Best Overall||Most Cost Effective||Best Customizable Plans||Quickest Service||Most Trustworthy|
|Annual Limit||Up to $3000 per covered item||Up to $2000 per covered item||Up to $6000 per covered item||Up to $2500 per covered item||Up to $2000 per covered item|
|Average Response Time||Up to 48 hours||Up to 48 hours||Up to 48 hours||Within 24 hours||Within 24 hours|
|State Availability||Excludes WA||Excludes NY, NV, WA, WI||Excludes AK||Available in All States||Excludes WA & WI|
|Online Chat / Mobile App||No||No||Yes||Yes||Yes|
|Quote||Get Quote||Get Quote||Get Quote||Get Quote||Get Quote|
Hopefully, you now feel like you have the information you need to choose the best home warranty company in Montana. There are plenty of great choices on the market, but these five have the best reputations, reliability, and overall value. Choice Home Warranty stands out as the best overall option on the market. With Choice Home Warranty, expect excellent customer service and fast and effective repairs to your appliances and systems. With the 13 years that Choice Home Warranty has spent in the industry, they have learned something about what homeowners need the most. Don’t hesitate to get a few different quotes to ensure that you get the best plan for your Montana home.
Having the best home warranty companies on the market narrowed down to the top five should feel like a bit of an accomplishment. The tricky part is that we now need to pick just one for your Montana home. There are many factors you can use to compare one plan to the next; however, three of the most important are the overall pricing, cancellation fees, and policy coverage caps.
Three of the top home maintenance problems Montana homeowners deal with include roof leaks, heating systems, and electrical system issues. Let’s look at how your Montana home warranty could help with these issues.
A home warranty is a protection plan for your home systems and appliances. With the amount of use those home systems and appliances get, it is very important to protect your budget and your time from having to deal with these issues. Most home warranty plans will renew on an annual basis, and they are in place to give homeowners peace of mind. Home warranty plans are not the same as an insurance policy for the home, and they will only protect against normal wear.
Homeowners insurance is more of a mandatory policy for those that have a mortgage on their home. The homeowner’s insurance policy will protect against things like tornados, natural disasters, and even fire. Homeowners’ insurance policies will cover the walls, the roof, the cabinets, and more. With a home warranty policy, expect to simply have your home systems and appliances covered from normal wear. Homeowners’ insurance policies will not protect the systems and appliances that we use on a daily basis around the home.
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Home warranty plans are a bit different than homeowners insurance policies, and it is important to keep that in mind when filing a claim and to get your plan up and running. Whether you live in Billings, Helena, or Great Falls, the home warranty policy will follow the same basic procedures.
A home warranty plan is in place to cover normal wear and tear of home systems and appliances. The normal wear and tear come up as a result of using the home systems and appliances on a daily basis. Home warranty plans will typically have three categories home systems, home appliances, and add-on coverages.
The home systems include things like your electrical system, plumbing system, and even your ductwork or HVAC. The appliances are typically the laundry room and kitchen appliances in the home. These would include your oven, washing machine, dryer, and more.
Add-on coverages can include swimming pools and spas, well pumps, locksmith coverage, central vacuum, and more. The add-on coverages typically come at an extra cost, but they can help provide more complete coverage of the home.
Having a home warranty in place does not mean you can give up on taking care of your Montana home. Coverage from your home warranty provider will only include normal wear and tear. If you are intentionally misusing your appliances or had a pre-existing issue that was not disclosed, then it may not be covered under your home warranty plan. Some homeowners find that getting an inspection prior to the start of the home warranty is a great way to avoid future claim denials. Some of the other home warranty exclusions include:
When you read through reviews from homeowners in Montana, there are often a few complaints. Some of these complaints are about the company itself, and others are simply frustrated with the way a home warranty policy works. Here are a few of the biggest complaints we see with Montana home warranties and some tips on how to avoid them.
Home warranty plans are worth it for homeowners struggling with both budget and peace of mind. Do you find yourself continually worrying about how you may fix the next issue that comes up around your home or condo? Homeownership can be stressful, and knowing that the next expense is likely only going to be a $75 to $100 service call fee will eliminate a lot of stress.
In addition to helping you feel more peace of mind about your Montana home, expect that the home warranty will also save you time. If you are worried about the time it takes to repair issues, deal with finding quality contractors, and look for someone who specializes in appliances or systems, the home warranty is a great fit.
Without a home warranty in place, you can expect that a diagnosis will cost you anywhere from $75 to $150, and this is before you have even fixed the issue. Home warranty plans cost about the same price, but that could include the fix or an entire replacement. Most homeowners find that after just one or two repairs are completed with the home warranty plan; the plan will pay for itself.
A Montana home warranty will range from $35 a month to $80 or more per month. If you are a budget-conscious home warranty shopper, be sure to look for plans that throw in free coverage or have limited coverage options to help keep the costs down. The higher-priced policies have quite a few add-on services and lower deductibles.
A service fee is a price you pay when you need a repair for one of the covered items in your home warranty policy. Many people call the service fee a deductible because it must be paid before the systems and appliances in your home are inspected and repaired. Service fees range in price from $60 to $150.
The best home warranty company in Montana is Choice Home Warranty. Choice has a very simple service contract and keeps things easy for homeowners to understand. In addition, both of Choice’s reasonably priced home warranty plan choices are combo or comprehensive options. This means you will get a mix of both appliance and system coverage as part of your warranty.
Most home warranties cover replacement costs as long as they are within the policy’s limits. If you have an oven that is not capable of repair, the home warranty company will give you the replacement cost to help you afford a new one. This does not always mean that your entire replacement will be covered, but a good portion of the appliance price should be taken care of. Replacement costs are just as significant as repair costs and should be considered when choosing a home warranty policy.
At House Method, transparency and trust are our most important values for the reader.
To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.
To make the most of our research, we developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria.
Additional Montana Home Warranty Resources