Best Home Warranty Companies in Montana (2023 Review)

Compare Montana Home Warranty Providers

Montana Home Warranty Costs

The cost of your Montana home warranty will most likely be of great importance. When you are trying to choose a home warranty plan, it must fit your budget. The more you pay for a plan the harder it may be to fit this expense in your budget. At Review Home Warranties we felt it would be helpful to give Montana homeowners an understanding of the average home warranty plan prices across the state. We did some in-depth research on the types of plans and the pricing for several different types of homes. This list is one that should be considered prior to purchase your home warranty.

Montana Home Warranty Companies Reviews

At Review Home Warranties, we have reviewed more than 70 companies to help narrow down the top seven home warranties for Montana homeowners. When comparing each of these home warranty companies, we looked at plan options, time in the industry, customer service, coverage caps, customer reviews, service fees, workmanship guarantee, and more. Here is how the top seven home warranty companies in Montana ranked. 

1. Best Overall: Choice Home Warranty

Choice Home Warranty is the best overall home warranty policy in the state of Montana. Although there are many great features that set Choice Home Warranty apart from other companies, one of the most apparent is the simplicity of the service contract. Choice Home Warranty doesn’t deal with fine print and they leave customers understanding exactly how their plan covers the home. With 13 years in the industry, Choice Home Warranty has a good reputation for impressive and responsive customer service. In addition, both of the Choice Home Warranty plans will offer customers appliance and system coverage. 

 Plans and Pricing 

Seeing that Choice Home Warranty plan only has two policies, it may seem like a disadvantage. However, each of the policies has both system and appliance coverage. For Montana homeowners, this is a tremendous benefit, and it doesn’t come at an extra cost. 

Coverage

Choice Home Warranty has some of the higher coverage caps in the industry. If you have high-end appliances and systems in your Montana home, Choice will take care of your needs. Some of the most popular coverages under the Choice Home Warranty plan include . . . 

• Plumbing system 
• Washing Machine
• Water Heater
• HVAC system
• Oven   

What Customers Are Saying: 

“I called Choice Home Warranty to file a claim, the power switch to my garbage disposal was not working... They scheduled an appointment for me, and the electrician came to my home and repaired my switch. It only took a few days, and I am completely satisfied. Thank you.” Source

2. Most Customizable: American Home Shield 

American Home Shield is the most customizable plan for Montana homeowners. Having the ability to pick and choose coverages that fit the specific needs of your home is going to be a tremendous benefit offered by American Home Shield. This is a company that has been on the market for more than 50 years, and it is known for premium coverage. The American Home Shield home warranty also offers customizable pricing. You can decide if you want a higher service fee and lower monthly payment or vice versa.

Plans & Pricing

The American Home Shield plans come with three basic options, but you can always customize each of these options to find the perfect fit for your home. The key is to choose a plan like the Gold or Platinum plan that has both system and appliance coverage included. 

Coverage 

American Home Shield has some of the most impressive coverages for Montana homeowners. The caps are typical $25000 or more, giving homeowners plenty of peace of mind about being able to afford a repair or a replacement. Some of the coverages that homeowners tend to include are . . . 

• Heating system 
• Refrigerator
• Dishwasher 
• Oven
• Garbage DIsposal 

What Customers Are Saying

“Entering request online for service is quick and easy; the contractor is assigned immediately. Contractors have been quick to call and schedule the appointment, have only had positive experiences..” Source

3. Most Affordable: Select Home Warranty 

Select Home Warranty is the most affordable home warranty in the state of Montana. With the Select Home Warranty, you will feel as though you are getting excellent value for your money. Select Home Warranty has been on the market for more than nine years, and they always have focused on offering affordable coverage. Each of the Select Home Warranty plans comes with free roof leak coverages. With the variety of weather and climate conditions in Montana, this is a benefit that should not be ignored. 

Plans and Pricing

There are three Select Home Warranty plans to choose from. The Platinum Care plan has twice the coverage of the Gold Care or Bronze Care plan and some very fair service fee pricing. This plan is one of the most popular in Montana because of its affordability. 

Coverage: 

The Select Home Warranty pan does not have the highest coverage caps on the market. However, the plan still offers excellent value, especially for those that are new to homeownership. Some of the coverages included with the Platinum Care plan include... 

• Heating systems 
• Cooktops
• Ceiling fans
• Refrigerators 
• Electrical systems 

What Customers Are Saying

“The company has an easy claim process, they are responsive, and contractors are knowledgeable and on time for the appointments. I had an A/C issue and a plumbing issue, and they handled each one professionally."Source

4. Best Reviewed: Liberty Home Guard 

The Liberty Home Guard plan is an excellent choice for those looking for a valuable and highly rated company in the state of Montana. One of the most important considerations when choosing a Montana home warranty is how other customers feel about the program. If the reviews are positive and people are enjoying their coverage, this company is worth considering. The Liberty Home Guard company has only been on the market for two years, but they have managed to earn an A rating with the BBB. This is a well-designed plan that has plenty of coverage and a long list of add-on options. When you file a claim with Liberty Home Guard, except that the response time is quick and the customer service is professional. 

Plans and Pricing

Liberty Home Guard offers the classic home warranty choices for Montana homeowners. Each of these home warranty plans has some great benefits, but the Total Home Guard plan stands out as the very best. With Total Home Guard, you will get comprehensive coverage and fair overall pricing. 

Coverage: 

The Liberty Home Guard coverage caps are fair and considered to be about average. Overall most Montana homeowners will enjoy the add-on coverages that Liberty Home Guard offers. Although these will come at an additional cost, they can be quite helpful. Most Montana homeowners appreciate these coverages included with the Total Home Guard plan. . . . 

• Garbage disposal
• Washer
• Air Duct
• Water Heater 
• HVAC

What Customers Are Saying: 

“I called in, and it was my first time working with my new home warranty. My customer service agents name is ***********************, and he was very good to work with. He was professional, knowledgeable & made the process nice and easy! Any concern I brought up, he took care of. Thanks *****!.” Source

5. Best Emergency Service: ServicePlus Home Warranty 

ServicePlus Home Warranty is the best option for emergency service in Montana. Having to wait for a repair can be extremely frustrating. Luckily with ServicePlus, you always have the option for emergency service. Sometimes this emergency service is going to mean you get a repair in less than 24 hours. ServicePlus keeps its plan choices and service contracts quite simple. They want to be a quick and efficient solution to all of your home warranty-related issues. 

Plans and Pricing

There are only two home warranty plan choices from the ServicePlus home warranty. The Platinum Plan is the more comprehensive choice. Luckily the service fee associated with the ServicePlus plan is relatively low, but you can expect to pay more for an emergency repair. 

Coverage

Coverage from ServicePlus is fair; when you look at the overall pricing, the coverage for the price is impressive. This plan is best for someone with a family that will be inconvenienced by a repair that takes more than a day or two to complete. Some of the most popular coverages under the Nebraska home warranty are . . .

• Dishwasher
• Garbage disposal
• Electrical system
• Plumbing System  
• Refrigerator 

What Customers Are Saying:

“My air conditioner broke on Thursday, and I filed a claim with THP the same day; the next day, a technician arrived at my home and fixed the problem on the spot. Decent prices, excellent customer service, and fast responses to claims. I am extremely happy with the services provided by this company.”  Source

6. Best Coverage: First Premier Home Warranty 

First Premier Home Warranty is the best home warranty for Montana homeowners looking for extensive coverage. If you have quite a few systems and appliances, and you are looking to affordably include them all in your plan, then the First Premier Home Warranty is the way to go. First Premier offers a blanket policy that will cover the entire home. The BBB ratings for a First Premier home warranty are A- and this is after just a short time on the market. If you want your First Premier Home Warranty to be even more affordable, you can pay upfront for the plan. 

Plans & Pricing 

There are the plans from First Premier Home Warranty, and they each have extensive coverage. The Premier Plan, which is considered to be the basic option, has more than 15 covered items; this is a large amount for a Montana home warranty that is this affordable. 

Coverage

Even though First Premier has some of the most extensive coverage, the coverage caps are a bit lower than other companies. If you have high-end systems and appliances, this may not be the best plan for you to consider.  Some of the coverages included under the Platinum Plan include . . . 

• Refrigerators
• Oven
• Water heater
• Plumbing system
• Stovetop 

What Customers Are Saying 

“Filed a claim over the weekend. First premier had someone out Sunday morning and was able to approve my claim that same day for a new dishwasher. Thank you guys.”, Source 

7. Best Workmanship: Cinch Home Services 

The Cinch Home Services warranty offers the best workmanship for a home warranty plan in the state of Montana. The great thing about the 40 years that Cinch Home Services has spent in the home warranty industry is the way they try to improve and expand each year. Cinch Home Services has built up a tremendous reputation and a large network of qualified service technicians. Although the service fee from Cinch Home Services is slightly higher than other plans, the workmanship guarantee will last 180 days. This is the longest in the industry. 

Plans and Pricing

There are three Cinch Home Services plans to choose from. You can expect the pricing is going to be a little bit higher for Cinch, but in the end, having a company that has been in the industry for 40 years certainly provides a great bit of value. 

Coverage

Coverage from Cinch Home Services is comprehensive, and the coverage caps are quite fair. This is a plan to choose if you are worried about who will be making repairs and replacements in your Montana home. Cinch only works with the best contractors. Some of the most popular coverages under the Cinch Home Services policies include . . . 

• Septic tank
• Sump Pump 
• Ice Maker
• Refrigerators
• Plumbing System  

What Customers Are Saying

“My garage door opener quit working. I originally thought it was something simple and had someone come out to analyze. Of course, it wasn't, so I turned to total protect to fix my garage door opener I needed a new opener. This was accomplished in one visit. Yeah..” Source

What You Should Consider Before Buying A Home Warranty in Montana

Narrowing down the Montana home warranty plans to the top seven best is only part of this process. Now we must decide which of the plans is going to be best for your individual needs. There are many ways in which these home warranty plans are going to differ. However, three of the most important to consider are plan choices, overall pricing, and the workmanship guarantee. Understanding how each of the plans you are considering will benefit you as a homeowner is essential. 

Plan Choices

Each home warranty company offers several plan choices for Montana homeowners. These plan choices will typically have an appliance plan, a systems plan, and a combo or comprehensive plan. With the range of weather, climate, and terrain in the Montana area, the combo plan tends to make the best overall choice. 

Overall Pricing

The pricing of a Montana home warranty will include the monthly pricing, service fees, coverage caps, and more. Montana home warranties that have lower coverage caps may not provide as much value as some of the others on the market. Ensure that you can afford the monthly pricing of your plan but also the service fee. Take a look at what the potential yearly costs will be to get a better idea. 

Workmanship Guarantee

When a repair is made on your Montana home, you will expect it to last. Since homeowners pay a service fee and pay for their monthly fees, they want to ensure that the repairs and replacements provided by a plan are a success. This is where the workmanship guarantee comes into play. With this guarantee, your repair will be covered for a certain number of days. Most home warranty plans offer at least a 60 day home warranty workmanship guarantee. Once that is complete, you would be responsible for the service fee for the same repair. 

Home Warranty Tips for Montana Residents

In each state, homeowners have different things to consider when it comes to home warranties. You have to factor in the weather, geography, and location of your home because each of those elements impacts the systems that are most important in your home and may also increase your need for household repairs.

The weather in Montana plays a significant role in homeowners' home warranty coverage needs. Winters are cold, cloudy, and dry, with temperatures below freezing. Summers are mild and short.

However, temperatures do tend to be as high as 85 degrees during July and August, the hottest months of the year, and they can get as high as the mid-90s. 

Montana mountain home with home warranty protection

It also rains throughout the year and snows frequently. Montana's weather conditions mean homeowners need a working HVAC system, water heater, plumbing system, and electrical system. 

Can you imagine spending days during the winter without a working heating system or sitting in a sweltering house during the hottest days of the year? That is the situation some Montana homeowners find themselves in because HVAC systems tend to break when they are working hardest to maintain the temperature.

When you purchase a home warranty plan that covers home appliances and major systems, you do not have to worry about you or your loved ones getting stuck without an essential device. 

Montana is one of the westernmost states in the country, and it shares its western border with Canada. It is well-known for the Great Plains, vast areas of wide-open space, but the Rocky Mountains also run through the state.

Additionally, there are glaciers, lakes, rivers, and caverns. So, the terrain varies greatly depending on if you live in Great Falls, Missoula, Big Sky, Bozeman, Billings, or Helena.

The geography means that some areas of the state may be more challenging to access than others. If you live in an area that is challenging to get to, it can be challenging to find a service contractor that works in your area. 

Home warranty customers do not have to worry about finding service professionals because all of the top Montana home warranty companies have extensive networks of qualified professionals. You just put in a service call with your home service company, and they will schedule an appointment with a local contractor.

As you can see, it will not matter if your home is in Missoula, Billings, Bozeman, or Helena; there are plenty of reasons to invest in a home warranty plan. Montana homeowners need the systems and appliances of their homes in working condition at all times. 

Take a look at this video of Montana to view its diverse terrain:

Home Warranty Regulations in Montana

The Department of Insurance does not regulate Montana home warranties like some states. Since the state does not view home warranties as insurance policies, the companies that offer them are not subject to the same laws that homeowners insurance companies must follow. 

What does that mean for you? It means you have to be more diligent about the provider you choose. You can not rely on the Department of Insurance regulations to protect you. 

However, you can file a complaint with the Montana Office of Consumer Protection if you have an issue with your home warranty provider.

Final Thoughts

Hopefully, you now feel as though you have the best information possible to purchase a home warranty for your Montana home. With all of the great options out there, it can feel a bit heavy to try and narrow it down to just one. Choice Home Warranty stands out as the best possible choice for Montana homeowners. With the fair pricing, impressive history in the industry, and the simple service contract, a Choice is a wonderful option for any Montana homeowner. The Choice Home Warranty plan gives Montana homeowners tremendous peace of mind about their home and their ability to maintain it. As you are searching for the best home warranty in Montana, it makes sense to get several quotes. These quotes will help you ensure you are getting the best deal.  

Review Home Warranties Rating Methodology: How We Chose the Best Home Warranty Companies

At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed-up through routine check-ins. When we picked our best home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what our review process looks like: 

• We call every home warranty provider, talking to sales agents and company representatives to gather accurate information on: 
  • Availability 
  • Pricing
  • Coverage
  • Fine Print 
  • Plan Options  
  • Service Contract Details 
  • Customer Service
  • Trustworthiness
  • Ratings and Reviews 
  • Add-On Options 
  • Promotions
  • Additional Benefits
• We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
• We analyze the sample contracts and fine print from each brand we review. This allows us to break down the industry jargon, check for hidden stipulations, and see what is and isn’t covered so we can give readers straightforward information.
• We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other. 

From here we created a comprehensive, 100 point, rating scale based on the following factors: 

• Plan options (25): Providers that offer more flexibility in their plans are rated higher.
• Coverage specifics (5): The more items covered in a home warranty plan, the higher the score. 
• Pricing (25): We take the monthly fee and service fee into consideration when rating pricing. 
• Trustworthiness (25): We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
• State availability (5): Finding coverage in your state can be a challenge if home warranty companies aren’t located there. The more states covered, the higher the score. 
• Customer service (10): Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service. 
• Additional benefits (5): Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher. 

Of the 50 different companies that we’ve reviewed, we've broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.

Resources for Montana Homeowners and Home Buyers

• MoFi Down Payment Assistance: Montana homeowners that need a little bit of extra help paying for their first home can get help with MoFi. Don’t let the down payment be the reason that keeps you from homeownership; there are plenty of great resources out there to choose from. 
• Homeownership Assistance Montana: The US Department of Housing and Urban Development can help Montana homeowners and homebuyers considering purchasing a home. HUD helps from a financial and educational standpoint and is a federal resource for homeowners and homebuyers. 
• US Department of Agriculture Rural Development: For Montana homeowners considering purchasing rural land, the US Department of Agriculture Rural Development will offer programs and assistance. This is a resource that is worth considering before you make your final purchase in rural Montana. 
• Montana Homeownership Network: The Montana homeownership network offers homeowners down payment assistance, help with financing, and even resources for closing costs. This is a resource that should be considered by all Montana homeowners. 
• Lake County Community Housing Organization: If you like in the Lake County or Ronan area of Montana, this is an excellent website for help with financial issues, affordable housing, and more. Using the resources available to you will ensure you get a great deal on a Montana home. 

Recap of Our Top Picks In Montana

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  # 1 Our Top Choice Liberty Home Guard

Editorial Rating 98.00

• $200 off + 1 Month Free + Free Roof Coverage!
• BBB's Only A+ Accredited Home Warranty Company!
• 60-day workmanship guarantee compared to the average of 30 days.
• More than 20 options, including window washing, swimming pools, and irrigation.
• 24/7 service calls

Liberty Home Guard Review

Visit Website (866) 472-3812

  # 2 Cinch Home Services

Editorial Rating 95.30

• First 2 Months Free on all Plans! (exclusions apply)
• Industry-leading 180-day workmanship guarantee
• $500 Homeowner insurance deductible reimbursement
• Thousands of reliable & fast local service providers
• 24/7 customer service
• Low cancellation fee

Cinch Home Services Review

Visit Website (855) 995-1294

  # 3 First Premier Home Warranty

Editorial Rating 95.10

• Lower chance of claim denial
• Multiple optional coverage items
• 24/7 service calls
• Great promotions available
• Market veteran
• Large and established firm

First Premier Home Warranty Review

Visit Website 929-360-2558

  # 4 The Home Service Club

Editorial Rating 94.90

• Lower chance of claim denial
• 24/7 service calls
• Great promotions available

• Higher fee for contract transfer
• Fewer contractors available
• Limited plan selection
• 1 day to submit a claim

The Home Service Club Review

Visit Website (855) 498-4719

  # 5 ServicePlus Home Warranty

Editorial Rating 95.10

• $200 OFF + 2 Months Free
• Free Roof Coverage
• Comprehensive coverage plans

• 1 day to submit claim
• Limited availability

ServicePlus Home Warranty Review

Visit Website (267) 824-4010

  # 6 First American Home Warranty

Editorial Rating 95.70

• Best Customer Service 2020
• $100 Instant Online Discount
• Plans from $25/m

• Automatically renewed policy

First American Home Warranty Review

Visit Website (888) 445-5837

  # 7 Complete Care Home Warranty

Editorial Rating

• Lower chance of claim denial
• 24/7 service calls
• Great promotions available

Complete Care Home Warranty Review

Visit Website