Best Home Warranty Companies in Montana (2021)

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.

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 do Montana homeowners need a home warranty 
• What the best companies in Montana are for home warranties

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. Choosing the best home warranty companies in Montana can be a bit of a challenge. There are lots of great options out there that all feature similar coverage. If you are frustrated with this process, keep reading so that we can help. 

Montana Top 5 Home Warranty Companies

There are dozens of Montana home warranties on the market. To narrow down this list, we compared things like service fees, pricing, cancellation policies, claim approval ratings, plan choices, customer reviews, and more.  Here is how the top five plans in Montana ranked. 

1. Choice Home Warranty: Best Overall 
2. American Home Shield: Best Customizable Plans 
3. Select Home Warranty: Most Cost-Effective Plans 
4. Liberty Home Guard: Most Trustworthy
5. First American Home Warranty: Best for Appliances

1. Choice Home Warranty

Choice Home Warranty is the best overall home warranty in the state of Montana. There are several key features that set the 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 come to 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, expect to get great customer service, fair pricing, and impressive workmanship from Choice. 

There are only two Choice Home Warranty 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 add ons to the Choice Home Warranty plan include: 

• Central vacuum
• Limited roof leak
• Septic system
• Septic tank pumping
• Sump pump
• Well pump
• Pool/Spa
• Second refrigerator
• Standalone freezer

The service fee from Choice Home Warranty is $85. With an $85 service fee, excellent you will see quite a bit of value from this plan. As we move through the rest of our home warranty reviews, expect to see the service fee range from $60 to $150. 

With the time spent in the industry, the attention to detail, and the dedication to customer service, you will have a hard time finding a better option on the market than the Choice Home Warranty plan.

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.  

For more information, read our Choice Home Warranty Review.

2. American Home Shield 

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 their 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. 

Some of the add on coverage that you can get with the American Home Shield warranty include:

• Electronic extended warranty
• Pool and spas
• Well pump
• Septic pump
• Guest unit
• PC and TV

The American Home Shield service fee typically ranges in price from around $75 to $150. This is yet another customizable feature of the home warranty. The higher service fees tend to come with lower monthly payments. 

Although the pricing of some of the American Home Shield home warranties can be a bit higher, the quality of service is very impressive. The customer service team and repair technicians with American Home Shield are all highly qualified.

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.

3. Select Home Warranty 

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 the Select Home Warranty plan 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 add ons or options coverages from Select Home Warranty are:

• Pool
• Spa
• Septic system
• Well pump
• Sump pump
• Lawn sprinkler system
• Roof leaks
• Central vacuum
• Stand-alone freezer

To continue to make Select Home Warranty even more affordable, there is a $60 service fee associated with the plan. The $60 fee is one of the lowest on the market. 

It won’t take long for Select Home Warranty customers to realize the value in their home warranty plan. Select Home Warranty plans are affordable and make the purchasing decision for a new home warranty an easy one. If you have been trying to decide if a home warranty is a good idea for your home, take a serious look at the Select Home Warranty.

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.

4. Liberty Home Guard

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 difficult 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 add on coverage from Liberty Home Guard is quite extensive and includes things like:

• Pool and spa
• Additional spa
• Saltwater pool
• Gutter cleaning
• Floor/carpet cleaning
• Sump pump
• Fixtures
• Water softener
• Trash compactor
• Lawn sprinkler system
• Electronics protection
• Swamp cooler
• Ejector pump
• Septic system pumping
• Limited roof leak
• Pest control
• Locksmith
• Free-standing ice maker
• Central vacuum
• Stand-alone freezer
• Re-key
• Second refrigerator
• Wine refrigerator
• Well pump
• TV and PC
• Generator
• Water dispenser 

The service fee with Liberty Home Guard is $60. The lower service fee helps to increase the overall affordability of the plan. 

The Liberty Home Guard is one of the highest regarded home warranty companies on the market, and they have built themselves an excellent foundation. It will be interesting to see this company grow and prosper in the next several years. If you like modern systems, a focus on customer service, and a wide range of coverage, Liberty Home Guard could be the best plan for you.

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.

5. First American Home Warranty

First American Home Warranty is the best home warranty for appliance coverage in Montana. The First American Home Warranty has been on the market for more than 37 years. With this amount of time spent in the industry, First American has learned quite a bit about what Montana residents need in a plan. The appliance coverage from First American Home Warranty is some of the most affordable and reliable on the market. If you are new to home warranty policies, starting with an appliance plan is often a great choice. 

In addition to the appliance coverage offered by First American, there is also a Premier Plan that covers both systems and appliances. The Premier plan will provide greater peace of mind about the overall functionality of your Montana home. Keep in mind that with First American Home Warranty, you will need to pay for add-on coverage to have your central air conditioning covered under the policy. 

The optional coverage choices from First American Home Warranty include:

• Central air conditioning (electric)
• Additional refrigeration
• Pool/Spa equipment
• Well pump
• Septic/septic tank pumping
• First Class Upgrade (Fees associated with the use of lifting equipment, Up to $250 per local building permits, Haul away services, Appliances, and systems that have been insufficiently installed or modified)

The First American Home Warranty service fee is $85. This is the same price as Choice Home Warranty and offers an excellent overall value. 

When you look at the price of just $38 a month to cover a wide range of appliances in your home, it is easy to see the value offered in the First American Home Warranty plan. Thirty-Seven years in this industry is quite impressive and will only help to increase your satisfaction with this home warranty.

To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. 

To find out more, read our First American Home Warranty review.

Montana Home Warranty Buying Guide

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.  

• Overall Pricing: To determine the plans with the best pricing, it is essential to look at both the monthly costs and the service fees. Also, try to consider how much coverage you are getting for the money. If a plan has five covered systems, it may be considerably cheaper, but it is offering you less coverage. 
• Cancellation Fees: Most home warranty policies have cancellation fees of around $75-$150. Ensure that you understand the cancellation fees and the policy restrictions for each plan. 
• Coverage Caps: Each covered item of your plan will have a coverage cap or limit. The coverage limits tend to range from about $500 to $3000 per covered item. If you have high-end appliances and systems, ensure that you purchase a policy with higher coverage limits.  

Top Home Maintenance Problems in Montana

As great as Montana can be to live, there are some harsh factors to the environment and how it can increase the rate of normal wear on your home. Three of the top home maintenance problems Montana homeowners deal with include roof leaks, heating systems, and electrical system issues. Let’s take a look at how your Montana home warranty could help with these issues. 

• Roof Leak: If a roof starts to leak, it can cause tremendous damage to other appliances and systems in the home. Roof leak coverage needs immediate repair from a qualified professional. Companies like Select Home Warranty throw in roof leak coverage as part of the plan; many others will have it as an additional option. 
• Electrical System: The electrical system keeps all other appliances and systems in your home in working condition. Electricians tend to charge very high rates to come out and rewire or inspect issues that could be going on in your home. With a home warranty in place, you will only be responsible for the service fee. 
• Heating System: Montana winters will require you to have a heating system in place. When it’s cold outside and everyone is calling contractors about heating system repairs, your home warranty will guarantee that you have service within a reasonable amount of time. In most cases, between 24-48 hours. 

Our Conclusion

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. The 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.  

House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology.

We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home. Additionally, transparency and trust are our most important values for the reader.

That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to make sure no detail was left out.

To make the most of our research, we developed a formula to objectively determine the best home warranty companies based on the following criteria:

• Plans: Do they provide a variety of plan options? We looked at the number of plans each company offered and the flexibility of adjusting the plan.
• Prices: How reasonable are the monthly fees and service fees in comparison to the industry average? We compared the costs of each company to competitors.
• Coverage: How many items are covered in each plan? We looked at the number of items each company covers. We dig into all service contracts available to get all the details.
• Customer service: How is the customer experience when calling the providers? Based on our phone calls, we were able to judge each company’s customer service.
• Trust: What do customers rate the company? We looked into what customers are saying about their experience with the company.
• Nationwide availability: How many states does the company cover? We found the number of states covered by each company.
• Unique perks: Does the company offer discounts or cover special items? We looked for perks offered by each company that sets them apart from the competition.

How do we keep our data up to date?

We want to make sure we’re providing you, the consumer, with the most current data available for every home warranty company we’ve researched and rated. That takes significant effort but we feel that’s vital to providing you thorough and trustworthy reviews.

With that in mind, we have dedicated staff members who regularly update our database of home warranty research.

For those that want to enjoy their years of being a veteran and come home to a house that is comfortable and functioning, a home warranty makes a lot of sense. For the price that a home warranty is offered, you will quickly learn that it is indeed a good value. At an average of around $40 per month, your policy will cost you just under $500 per year.

If you have ever had an appliance or a home system that needs repair, you probably understand quite well that you will quickly reach that $500 mark to get your home back up and running. Take your time to carefully consider your home warranty options, check around for veteran discounts and then give yourself the peace of mind that you deserve.