Best Home Warranty Companies in Montana

A home warranty is a type of home protection plan that helps pay for repairs and replacements to your home’s components when they break down. When you sign onto a home warranty in Montana, your policy provider will cover a set of items. If a covered system or appliance breaks down, your provider will find you a repair technician and pay for the repairs in exchange for a small service fee. 

Are you considering adding a home warranty to your list of coverages? Our guide to the best home warranty companies and policies will make your search easier. 

Montana’s top 5 home warranty companies

Top home maintenance problems in Montana

Buying a home warranty can help homeowners tackle some of the most expensive breakdowns not covered by their homeowners insurance policy. Keep reading to learn about the most common breakdowns in Montana.

• Septic system breakdowns: Many residents of Montana live in rural areas, which means they likely have a septic system instead of a plumbing system. When this system inevitably breaks down, you’ll want to be able to get fast and affordable repairs. Though not every base plan offers septic system coverage, you can typically tack on this protection as an optional coverage.
• Heating system damage: It’s normal for areas east of the Continental Divide in Montana to see freezing temperatures on a daily basis during December and January. This cold weather can cause increased strain on your heating system, leading to more wear and tear. Luckily, your home warranty will protect your heating system if you choose a plan with systems coverage.
• Air conditioning outages: Montana’s summers can also be hot and humid, with temperatures reaching over 100 degrees. Like extreme winter temperatures, high summer temperatures can cause increased stress on your air conditioning system. A home warranty in Montana with systems coverage will typically cover air conditioning system breakdowns. 

1. American Home Shield 

American Home Shield is one of the oldest home warranty providers in the United States, having almost 50 years of experience in the business. While you’ll pay a little more for coverage from this company, that’s because you get high coverage caps, 24/7 customer service, and fast repair times.

American Home Shield currently offers three plan choices: an Appliances Plan, a Systems Plan, and a Combo Plan. The Appliances Plan covers 10 common home appliances, while the Systems Plan covers 12 major home systems. The Combo Plan includes all of the coverages found in both the Appliances Plan and the Systems Plan at a lower price point.

You can also customize your coverage from American Home Shield with the following optional add-ons:

• Pool and spa
• Electronics
• Well pump
• Sump pump
• Guest unit

Here’s what you can expect to pay each month for your plan:

• Appliances Plan: $49.99 per month
• Systems Plan: $49.99 per month
• Combo Plan: $59.99 per month

In addition to your monthly premium, you’ll also pay a service fee each time you use your plan. When you sign up for coverage from American Home Shield, you’ll choose a $75, $100, or $125 service fee, which is due each time you request service.

Claim a free quote from American Home Shield by filling out this online form or calling 888-365-2839. 

2. First American Home Warranty

First American Home Warranty is best known for its optional First Class Upgrade, which extends your home warranty coverage to include items like improperly installed systems and appliances, building permits, and removal fees. 

First American Home Warranty currently offers two plan options: the Basic Plan and the Premier Plan. The Basic Plan covers nine essential home appliances, while the Premier Plan covers everything in the Basic Plan plus eight home systems.

You can customize your coverage from First American with the following optional add-ons:

• Central air conditioning
• Additional refrigeration unit
• First Class Upgrade
• Pools and spas
• Well pumps
• Pest control services

Here’s what you can expect to pay for your coverage:

• Basic Plan: $28 per month
• Premier Plan: $42.50 per month

You’ll also pay a $75 service fee.

Claim a free quote from First American Home Warranty by filling out this online form or calling 833-204-7164. 

3. Amazon Home Warranty

Amazon Home Warranty is a good choice for homeowners who want to customize their coverage. The company offers some of the most unique add-ons we’ve seen, extending policies to include wine refrigerators, lawn sprinkler systems, and more.

Amazon Home Warranty has three policy options: the Appliances Plan, the Systems Plan, and the Combo Plan. The Appliances Plan covers eight common home appliances, while the Systems Plan includes coverage for eight of your home’s systems. The Combo Plan combines coverages from the previous two plans and adds a few more.

You can customize your policy with the following:

• Pool
• Spa
• Additional central air conditioning system
• Additional central heating
• Central vac
• Lawn sprinkler system
• Well pump
• Septic system
• Wine refrigerator
• Whole house humidifier
• Septic tank pumping
• Stand alone freezer
• Additional fridge
• Sump pump
• Water softener
• Limited roof leak
• Extra hot water heater
• Ice-maker
• Extra oven
• Additional washer and dryer
• Additional dishwasher
• Additional microwave
• Duplex

Here’s what you can expect to pay per year for your Amazon Home Warranty plan:

• Appliances Plan: $479 per year
• Systems Plan: $479 per year
• Combo Plan: $579 per year

You’ll also pay a $75 service fee each time you use your plan.

Claim a free quote from Amazon Home Warranty by filling out this online form or calling 866-605-8194. 

4. Select Home Warranty

Select Home Warranty offers the most affordable policies out of the providers in this review. Each of its plans are available for less than $40 a month, and the company’s comprehensive coverage option is just a few dollars more than its basic plans that cover just systems or just appliances.

Select Home Warranty currently offers three plan choices: a Bronze Care plan, a Gold Care plan, and a Platinum Care plan. The Bronze Care plan covers eight of your home appliances, while the Gold Care plan covers six home systems. The Platinum Care plan includes coverage for all of the appliances and systems in both the Gold and Bronze Care packages plus a few extras.

You can customize your policy from Select Home Warranty with the following optional coverages:

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

Take a look at how much Select Home Warranty costs per month:

• Bronze Care: $35.83 per month
• Gold Care: $35.83 per month
• Platinum Care: $37.50 per month

You’ll also pay a service fee of $75 each time you file a claim.

Claim a free quote from Select Home Warranty by filling out this online form or calling 888-370-3953.

5. Choice Home Warranty

In addition to two easy-to-understand plans, Choice Home Warranty has a 90-day repair guarantee and a 30-day, money-back guarantee. The money-back guarantee allows you to cancel your policy and get a full refund within the first 30 days, while the repair guarantee prevents you from having to pay another service fee if a previously repaired item breaks down again.

Choice Home Warranty has a Basic Plan and a Total Plan. The Basic Plan includes coverage for 14 home components. The Total Plan includes all of the coverage found in the Basic Plan plus coverage for your air conditioner, refrigerator, washer, and dryer.

You can customize your coverage by adding the following optional protections:

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

Here’s what you can expect to pay for your policy:

• Basic Plan: $36.17 per month
• Total Plan: $42.50 per month

You’ll also pay an $85 service fee every time you use your plan.

Claim a free quote from Choice Home Warranty by filling out this online form or calling 929-400-6164.

Montana home warranty buying guide

Keep reading to learn about a few of the factors that will help you choose a provider and a policy.

• Rural coverage: Many Montana residents live in rural or suburban areas, which means they may have well pumps and septic systems that need coverage instead of plumbing systems. To ensure that you get coverage for these rural-specific components, look for a company that offers this coverage in its list of optional add-ons.
• Service fee choice: Some companies, like American Home Shield, allow you to choose your service fee. Most customers’ basic instinct is to choose the lowest available service fee, but that may not be the best option, as this will increase the amount you pay in premiums.
• Annual vs. monthly premiums: Home warranty providers allow you to pay for your plan either annually or monthly. Paying for the entire plan up front saves you money in the long run because monthly payments have interest tacked onto them, but most homeowners can’t afford to pay that much at one time.

Our conclusion

The best home warranty in Montana for you might vary depending on how much you can afford to pay, what items you want covered, where you live, and more. Before choosing a policy, we recommend getting a custom quote from each of our favorite providers so that you can compare coverage and cost across the board.

Frequently asked questions about Montana home warranties

Do home warranties cover replacement costs?

Yes. Most home warranty companies will help you cover a replacement if one of your item’s is too damaged to be repaired. However, keep in mind that many companies have caps on how much they’re willing to spend on a repair or replacement, so you might have to pay some of the cost yourself.

What is the difference between 24/7 claims reporting and 24/7 customer service?

24/7 customer service means that every department of the company, including sales and claims, are open throughout the day. 24/7 claims reporting, on the other hand, means that you can file a claim for a breakdown at any time, but the rest of the departments may not be open.

Can a landlord buy a home warranty?

Yes, a landlord can purchase a home warranty for a rental property they own. However, not every company provides policies for homes not occupied by the owner.