Best Home Warranty Companies in Montana (2022)

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.

Montana’s Best Home Warranty Companies in 2022

1. Choice Home Warranty: Best Overall 
2. Select Home Warranty: Most Cost-Effective Plans 
3. American Home Shield: Best Customizable Plans 
4. The Home Service Club: Quickest Service
5. Liberty Home Guard: Most Trustworthy

Quick Comparison of Home Warranty Providers

1. Choice Home Warranty

• Our Take: Best Overall
• Average Annual Cost: [$550] – [$650]
• Response Time: Up to 48 hours

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. 

Pros and Cons

✓ Impressive customer service

✓ Comprehensive plan options that cover both systems and appliances

✓ 90-Day Repair Guarantee

X No Customization of plan

X 30-Day waiting period to start

Plans and Pricing

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: 

• Basic Plan ($42 per month): The Basic Plan from Choice Home Warranty covers 13 items, including plumbing system, ceiling fans, garbage disposal, heating system, cooktop exhaust fans, microwave, dishwasher, ductwork, electrical system, garage door opener, oven, toilet, and water heater. Although the combination of home appliances and home systems is a nice benefit, this is not fully comprehensive home warranty coverage.
• Total Plan ($53.33 per month): The Total Plan is the more comprehensive plan and covers all 13 items in the Basic Plan, plus an additional four items. The Total Plan includes the clothes washer, dryer, refrigerator, and air conditioner coverage.

Coverage

Choice Home Warranty has several add-on coverages that you can attach to either of its plans.

• Roof leak coverage (single-family homes only)
• Central Vacuum
• Septic Tank
• Well Pump
• Pool
• Spa (Can be combined with pool coverage if the equipment is shared)
• Sump Pump (must be permanently installed)
• Stand Alone Freezer

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.

2. Select Home Warranty

• Our Take: Most Cost Effective
• Average Annual Cost: [$579] – [$650]
• Response Time: Up to 48 hours

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. 

Pros and Cons

✓ High workmanship quality

✓ Free roof coverage

✓ Good selection of appliance plans, systems plans, and combo plan

X Must file a claim within three days

X Coverage caps can be lower

Plans and Pricing

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: 

• Bronze Care ($52 per month): The Bronze Care plan is an appliance-only home warranty plan. This plan covers seven major appliances, including a refrigerator, built-in microwave, clothes washer and dryer, oven, garbage disposal, and cooktop. 
• Gold Care ($52 per month): The Gold Care plan is a system-only plan from Select Home Warranty. There is coverage for six systems; plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork. 
• Platinum Care ($58 per month): The Platinum Care plan will include all of the appliances under the Bronze Care plan and all of the systems under the Gold Care Plan. For just a few extra dollars per month, the Platinum Care Plan is your best overall investment.

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.

• Central vacuums (Does not include clogged pipes)
• Lawn sprinkler systems
• Pools (Can combine with spa coverage if the equipment is shared)
• Spas
• Stand-alone freezers
• Sump pump (must be within the foundation of the home)
• Well pump

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.

3. American Home Shield

• Our Take: Best Customizable Plans
• Average Annual Cost: [$479] – [$779]
• Response Time: Up to 48 hours

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.

Pros and Cons

✓ 50 years of industry experience

✓ Low chance of claim denial

✓ 24/7 online support for your home warranty plan

X Cancellation fees if canceled after the first 30 days

X Pricing for some plans is considerably higher

Plans and Pricing

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:

• ShieldSilver™ ($39.99 per month): The ShieldSilver plan covers 14 home systems, including air conditioning, electrical system, smoke alarms, water heater, central vacuums, doorbells, garage door opener, heating system, garbage disposals, ceiling fans, instant hot/cold water dispenser plumbing, and ductwork. With systems having high out-of-pocket repair costs, this is a smart plan to have in place when breakdowns occur.

• ShieldGold™ ($49.99 per month): ShieldGold is the combo plan covering both systems and appliances. There are 23 home systems and appliances on this plan. The ShieldGold plan has additional coverages, including a clothes washer, dishwasher, clothes dryer, microwave, oven, and refrigerator. 
• ShieldPlatinum™ ($64.99  per month): The ShieldPlatinum plan includes 27 systems and appliances. Pricing for ShieldPlatinum is slightly higher, but it is one of the more premium home warranty plan choices in the state of Montana. Having home appliances and home systems under one plan will significantly improve your peace of mind as a homeowner. This tends to be the more premium choice for Montana home buyers.

Coverage

American Home Shield also offers several add-on coverages for homeowners to consider.

• Septic system (first-year customers only, nonrenewable)
• Pool
• Spa
• PC
• TV (includes home theater system)
• Well pump coverage

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.

4. The Home Service Club

• Our Take: Quickest Service
• Average Annual Cost: [$600] – [$756]
• Response Time: Within 24 hours

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.

Pros and Cons

✓ 13 years of industry experience

✓ Policy starts in just ten days

✓ Positive customer reviews

X No plan customization

X Does not have an ultimately budget-friendly cheap plan option

Plans and Pricing

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:

• Standard Coverage ($50 per month): The Home Service Club Standard Coverage Plan has 18 covered items, including air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more. For a basic or standard level coverage option, the number of items on THe Home Service Club’s Standard Coverage plan is quite impressive.
• Comprehensive Coverage ($63.00 per month): The Comprehensive Coverage Plan from The Home Service Club has 33 covered items. These extra coverages include gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more. This is the more popular choice when it comes to Montana home warranty plans because of the large amount of coverage for a small difference in price.

Coverage

The Home Service Club also has plenty of add-on options, starting around $5 per month and increasing from there.

• Well pump
• Service line
• Plumbing sprinkler
• Spa
• Roof Leak (up to $1000 in coverage)
• Spa heater
• Free standing freezer
• Water softener
• Pool (can be combined with spa coverage if the equipment is shared)
• Sprinkler system
• Pump (Sewage ejector pump)

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.

5. Liberty Home Guard

• Our Take: Most Trustworthy
• Average Annual Cost: [$649] – [$749]
• Response Time: Within 24 hours

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.

Pros and Cons

✓ BBB rating of an A after a short time in the industry

✓ Easy to use customer claim portal

✓ A large list of add-on coverages

X No plan customization

X Has only been on the market for a few years

Plans and Pricing

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:

• Appliance Guard ($64.99 per month): The Appliance Guard plan from Liberty Home Guard has coverage for 11 major appliances, including garage door opener, ceiling fans, cooktop exhaust fan, oven, refrigerator, garbage disposal, dishwasher, microwave, clothes washer, clothes dryer, and refrigerator ice-maker.
• Systems Guard ($69.99 per month): The Systems Guard plan is a systems-only option with nine systems. These systems are the electrical system, air conditioner, bath exhaust fan, heating system, toilet, ductwork, plumbing and plumbing stoppages, and water heater. If you have just invested in real estate for the first time, the Systems Guard plan can be a smart choice.
• Total Home Guard ($74.99 per month): The Total Home Guard is the best value from LHG. Total Home Guard has more than 20 covered systems and appliances. If you want a plan covering appliances and systems, the Total Home Guard is the best option.

Coverage

Liberty Home Guard has one of the most extensive lists of add on coverages in the industry; these will include:

• Pool and spa
• Additional spa (Billed as an extra to the pool system)
• Saltwater pool
• Gutter cleaning
• Floor/carpet cleaning
• Sump pump
• Fixtures
• Water softener
• Trash compactor
• Lawn sprinkler system (all mechanical parts)
• 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 

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.

Home Warranties in Montana Cities

How Much Does a Home Warranty in Montana Cost?

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.

Compare the Best Home Warranty Companies in Montana

Final Thoughts

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.  

How to Choose the Best Home Warranty in Montana

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 offers 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.  

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. 

• 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. 

What is a Home Warranty?

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.

Home Warranty vs. Homeowners Insurance

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.

How Does a Home Warranty in Montana Work?

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.

• Research and purchase a home warranty policy that suits the needs of your home and budget
• Wait the 10-30 days before the home warranty will go into effect
• If you experience an issue with a home system or appliance, check policy documents to ensure that it is covered
• Use the online portal system, a phone call, or a live chat to let a representative know about your home warranty-related issue
• Pay the service call fee before the representative comes to your home to inspect the issue; expect this to happen with 24 to 48 hours after submitting a claim
• Decide on repair and replacement options and research associated costs with each
• Repair should happen within 24-72 hours, depending on parts needed and the schedule of the contractor or service technician
• If any issues occur within the free reservice period, simply let the home warranty provider know, and they will come back and repair the issue free of charge as part of the workmanship guarantee

What does a Home Warranty Cover?

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.

What is Not Covered by a Home Warranty?

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:

• Cosmetic issues
• Natural disasters
• Pre-existing conditions
• Lack of maintenance and upkeep
• Intentional breakage
• Misuse of a system or appliance

Biggest Complaints about Home Warranty Companies in Montana

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.

• Claim Denial: a home warranty provider denying a claim is the most popular and likely most frustrating complaint; with claim denial, you must be sure you are properly maintaining your home systems and appliances to altogether avoid this issue in the future
• Issues With Contractors and Technicians: the home warranty company will contract with local repair technicians in your area; although these are vetted professionals, there are still sometimes problems that occur; let your home warranty provider know immediately if you experience an issue
• Long Wait Times For Repairs: most home warranty companies will guarantee service within a 24 to 48 hour period, but there still could be long wait times for the parts to come in to fix the issue

Are home warranties worth it?

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.

House Method Home Warranty Ranking Methodology

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.