As a homeowner myself, I understand the challenges we face when critical systems or appliances inevitably break down. From the harsh Montana winters that push heating systems to their limits to hot summers that strain even the best air conditioning units, our homes endure a lot. When something fails, repair bills can quickly soar into the thousands, putting a serious dent in most families’ budgets.
Home warranties offer a solution, providing peace of mind and protection against these unexpected expenses. However, the industry’s reputation has been tarnished by confusing contracts, denied claims, and subpar service from some providers. To help Montanans find reliable coverage, I took a deep dive into the top home warranty companies serving our state.
Using Today’s Homeowner’s stringent rating criteria, I evaluated each provider’s coverage options, cost, customer service, availability, and reputation. I compared real pricing, read the fine print to expose sneaky exclusions, and analyzed thousands of reviews to separate the good providers from the bad ones. After hours of research, I can confidently recommend the best home warranty companies in Montana that offer comprehensive coverage for the systems and appliances found in most homes across the state, along with transparent terms and a track record of dependable service. If you’re looking for a home warranty that will be there when you need it most, consider the best home warranty companies in Montana that I delve into below.
Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.
Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.
We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.
Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.
Read our full Home Warranty Review Methodology for more details.
Top 5 Home Warranty Companies
- Liberty Home Guard stands out as my top pick for homeowners in Montana seeking a personalized home warranty. With its array of over 40 optional add-ons, including unique offerings like generator coverage, electronics protection, pest control, and carpet cleaning, Liberty allows you to craft a plan that perfectly aligns with your home’s specific needs. This flexibility is especially valuable in Montana, where homes tend to be more remote and require special systems and appliances.
- For those with high-end appliances or larger homes, Elite Home Warranty is worth considering. It boasts unparalleled coverage caps of up to $6,000 for appliances and $10,000 for home systems — significantly higher than the typical $2,000 to $5,000 limits. American Home Shield also excels in swift claims processing, often responding within a single day. This rapid response is crucial during Montana’s harsh winters, where a failed furnace can quickly lead to frozen pipes and costly repairs.
- When selecting a home warranty in Montana, pay close attention to the fine print. Make sure that all your essential systems and appliances are covered, and carefully review any exclusions for preexisting conditions, improper installation, or misuse. Don’t forget to factor in the state’s unique climate challenges, such as extreme temperature fluctuations, which can lead to more wear and tear on your essential home systems. Opting for a provider like Liberty Home Guard that includes emergency services can provide added peace of mind during unexpected breakdowns.
My Expert Recommendation
Based on extensive research, I’ve found that Liberty Home Guard (LHG) and American Home Shield (AHS) are the best home warranty providers in Montana. Liberty Home Guard offers unparalleled customization, with over 40 add-ons like pest control, carpet cleaning, pools, generators, septic tanks, well pumps, and premium appliance coverage. This flexibility is invaluable, as no two homes are identical, and different households have different protection needs. Liberty’s 24/7 emergency service is also a major plus, providing peace of mind when system and appliance breakdowns occur.
For homeowners with high-end appliances and systems, American Home Shield is a top choice. AHS is a well-established provider, offering reliable protection and generous coverage caps — $4,000 for home appliances and $5,000 for home systems. These limits are typically enough even for premium equipment brands, ensuring your most valuable home components are well-protected.
Whether you prioritize customization or need robust coverage for luxury appliances, Liberty Home Guard and American Home Shield are two of the best home warranty options available. After thoroughly comparing contracts, add-ons, coverage caps, and more, I’m confident in recommending these providers to Montana homeowners seeking the ultimate peace of mind in home protection.
Montana Home Warranty Companies I Didn’t Include
While conducting my research on the best home warranty companies for Montana homeowners, I came across Choice Home Warranty. Although it’s a well-known provider in the industry, I ultimately decided not to include it in my top recommendations due to an ongoing consumer fraud lawsuit filed by the Arizona Attorney General. This legal action raises concerns about the company’s business practices and overall trustworthiness. As the Choice Home Warranty lawsuit progresses, I will continue to monitor the situation and update my recommendations accordingly, always keeping the best interests of Montana homeowners at the forefront.
Compare The Highest Rated Home Warranties In Montana
| Company | Rating | Monthly Cost | Service Fee | Response Time | BBB Rating | Link |
|---|---|---|---|---|---|---|
 |
$50-$60 |
$75 |
12-48 hrs. |
NR |
VISIT SITE | |
 |
$35–$75 |
$100–$125 |
24-72 hrs |
B |
VISIT SITE | |
 |
$44.99-$58.99 |
$70 |
48 hours |
A+ |
VISIT SITE | |
 |
$46–$55 |
$85 |
24-48 hrs. |
B |
VISIT SITE | |
 |
$52–$58 |
$60 |
24-48 hrs. |
B |
VISIT SITE | |
 |
$38–$62 |
$75–$125 |
48 hours |
B |
VISIT SITE | |
 |
$38–$48 |
$75–$125 |
48 hours |
B |
VISIT SITE | |
 |
$17–$60+ |
$65–$100 |
2–24 hrs |
A- |
VISIT SITE | |
 |
$28–$68 |
$100–$150 |
2–24 hrs |
B |
VISIT SITE |
Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.
Our Reviews of the Best Home Warranties in Montana
Liberty Home Guard
4.6
Our Rating
Liberty Home Guard stands out for its commitment to customer satisfaction, boasting an impressive 4.7-star rating on both Google and Trustpilot. This stellar reputation far surpasses the industry average of 2 to 3 stars, giving me confidence that Liberty will be there for Montana homeowners when they need it most.
What sets Liberty apart is its unparalleled flexibility in coverage, with over 40 add-on options allowing you to tailor your plan to perfectly fit your home’s distinct features. Whether you need protection for a backup generator, central vacuum system, guest house, or even a spa, Liberty provides the customization options to create a plan that meets your specific needs. Additionally, Liberty offers valuable perks like a 60-day workmanship guarantee on repairs — double the industry standard.
While I appreciate Liberty Home Guard’s extensive customization options, I have some concerns about its coverage limits and add-on costs. Liberty’s appliance coverage caps out at $2,000, which is lower than that of many competitors in the industry. For instance, American Home Shield offers up to $3,000 in coverage, while Elite Home Warranty provides an impressive $6,000 limit — three times that of Liberty. This means that if you need to replace a costly item like a furnace, you could be left with significant out-of-pocket expenses.
Another downside is the price of Liberty’s add-ons. While the company offers an impressive array of over 40 optional coverages, these come at a steep average cost of $14.99 per month. In comparison, some competitors, such as Elite Home Warranty, charge as little as $5.99 for certain add-ons. Additionally, some customers report frequent sales calls (for add-ons and upgrades) and a $50 cancellation fee when terminating the contract after 30 days, which can be frustrating.
For Montana homeowners seeking a home warranty tailored to their unique needs, Liberty Home Guard stands out for its unparalleled customization options. With over 40 add-ons, including coverage for well pumps, sump pumps, generators, pools, spas, and even pest control, Liberty allows you to create a plan that perfectly fits your home’s specific systems and appliances. This level of personalization is why I give Liberty an impressive 9.3/10 rating and consider it a top choice for most Montanans.
Liberty also excels in customer service, boasting a 4.7-star rating on both Google and Trustpilot. Customers consistently praise the company for its fast claims processing, responsive support, and competitive pricing, starting at around $50 per month. Plus, Liberty offers a 60-day workmanship guarantee, doubling the industry standard and providing extra peace of mind. However, one potential limitation to consider is Liberty’s $2,000 coverage cap per item, which may not fully cover repairs or replacements for high-end appliances like dishwashers and refrigerators. For homeowners with luxury or pro-series appliances, American Home Shield or Elite Home Warranty, with their higher coverage limits, are better fits.
Liberty Home Guard earns a perfect 10/10 rating from me for its unparalleled customization options and affordable plans and add-ons. With three comprehensive plans and over 40 add-ons, including unique offerings like pest control, power washing, and coverage for well pumps and generators, Liberty allows Montana homeowners to craft a policy that perfectly fits their home’s specific needs.
I recommend the Total Home Guard plan, which combines comprehensive appliance and system coverage for just $60 per month — only $10 more than the base Appliance Guard plan. While most of Liberty’s add-ons range from $8 to $15 monthly, and its service call fees of $65 to $125 (depending on the service you need) are higher than the industry average, the company offers enticing discounts that can help offset these costs. During my secret shopping, I was offered two free months with annual payments and a seasonal $225 coupon.
Another standout feature is Liberty’s 60-day workmanship guarantee, which doubles the industry standard and provides extra peace of mind on the quality of repairs. With customizable coverage, discounted pricing, and comprehensive plans, Liberty Home Guard offers exceptional value for Montana homeowners seeking to protect their homes and budgets.
| Plan | Monthly Cost | Service Fee | Available Discounts |
| Appliance Guard | $49.99 | $65 – $125 | 2 months free (online), $225 off coupon (online) |
| Systems Guard | $54.99 | $65 – $125 | 2 months free (online), $225 off coupon (online) |
| Total Home Guard | $59.99 | $65 – $125 | 2 months free (online), $225 off coupon (online) |
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Bozeman, MT. The cost data presented was accurate at the time of writing.
Available Add-Ons
LHG offers the following optional add-ons to its plans. I appreciate the generator coverage the most. I know plenty of homes in Montana are in remote areas and when power goes out, it can take days for the power company to fix it in the dead of winter. Ensuring your generator is up and running and has access to a swift, high-quality repair network is critical.
- Carpet cleaning: $19.99/month
- Casita guest unit: $35.99/month
- Central vacuum: $8.99/month
- Ejector pump: $14.99/month
- Electronics protection: $19.99/month
- Freestanding ice maker: $14.99/month
- Generator: $19.99/month
- Grinder pump: $14.99/month
- Gutter cleaning: $14.99/month
- Ice maker (in-fridge): $3.99/month
- Instant hot water dispenser: $9.99/month
- Lawn sprinkler system: $9.99/month
- Lighting fixtures: $7.99/month
- Limited roof leak: $11.99/month
- Pest control: $14.99/month
- Plumbing fixtures: $7.99/month
- Pool and spa: $19.99/month
- Additional spa: $9.99/month
- Power washing (exterior flooring): $19.99/month
- Pro-series clothes dryer: $4.99/month
- Pro-series dishwasher: $7.99/month
- Pro-series microwave: $4.99/month
- Pro-series range/oven/cooktop: $12.99/month
- Pro-series refrigerator: $14.99/month
- Pro-series stand-alone freezer: $14.99/month
- Pro-series washing machine: $4.99/month
- Re-key: $9.99/month
- Reverse osmosis water filter system: $14.99/month
- Salt water pool: $23.99/month
- Second refrigerator: $7.99/month
- Septic system pumping: $12.99/month
- Sump pump: $8.99/month
- Swamp cooler: $14.99/month
- Trash compactor: $7.49/month
- TV mounting (up to 65 inch TVs): $14.99/month
- TV mounting (up to 85 inch TVs): $19.99/month
- Water dispenser water line: $4.99/month
- Water softener: $13.99/month
- Well pump: $12.99/month
- Window washing/cleaning: $19.99/month
- Wine cooler/fridge: $11.99/month
Exclusions
LHG has the below exclusions to its home warranty plans, all of which are normal in the industry.
- Cosmetic defects
- Cranes or other specialty vehicles required to install, remove, or access your appliances or home systems
- Disposal of appliances, systems, or components
- Electronics, computerized, “smart,” or Internet/enabled components and parts
- Filters associated with any covered items
- Fire sprinkler systems
- Flues, vents, chimneys, and exhaust lines
- Glass parts
- Lighting
- Malfunction or damage caused by acts of God
- Noise
- Radon and other leak detection monitoring systems
- Remote receiving and transmitting devices
- Solar systems and applications
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
Liberty Home Guard offers competitively priced base plans starting at around $50 per month, making it an affordable choice for most Montana homeowners. However, it’s important to note that the company’s add-ons are generally more expensive than those of other providers, with most costing over $15 per month compared to the $6 to $13 range offered by competitors.
Another potential drawback is Liberty’s non-negotiable service fee, which ranges from $65 to $125 when filing a claim — higher than what many other companies charge. Additionally, after reviewing a sample contract, I found that Liberty only covers items up to their “book value” rather than their full replacement cost — see the below snapshot of its contract.
Plus, its per-item coverage caps max out at $2,000 — lower than the limits set by providers like Elite Home Warranty ($6,000) and American Home Shield ($3,000). On the plus side, Liberty stands out for its coverage of unique appliances with add-ons that other warranties often exclude, such as reverse osmosis filters, water softeners, and pro-series or luxury equipment. This flexibility is particularly valuable for Montanans with high-end or specialized home systems.
Liberty Home Guard earns a solid 7.8/10 rating from me for its customer experience, thanks to a seamless online quoting system and a 60-day service guarantee on repairs. When I conducted my secret shopping, I found it easy to customize my plan and compare coverage options tailored to the unique needs of a Montana home. Liberty’s website makes it simple for residents to understand their choices and make informed decisions.
Once you’re signed up, you’ll appreciate Liberty’s multiple contact options, including phone, email, and online chat. This accessibility ensures that you can get prompt support when issues arise, reducing stress during challenging situations. The company’s 60-day service guarantee on repairs, which is double the industry standard, provides extra reassurance that any work performed will meet quality standards on the first attempt (and if not, Liberty will repair it again at no additional charge).
One potential drawback is Liberty’s 30- to 60-day waiting period before coverage begins, depending on the plan. However, this is still in line with industry averages and shorter than some competitors who make customers wait up to 90 days.
After extensive research into home warranty providers, I can confidently say that Liberty Home Guard stands out among the competition for its consistently high ratings and outstanding reputation. With overwhelmingly positive 4.7-star ratings on Google and Trustpilot, Liberty demonstrates a strong commitment to customer satisfaction, setting it apart from other companies in the industry. Montana homeowners consistently praise Liberty for its exceptional service, smooth claims processes, and quick issue resolution, highlighting the company’s dedication to putting people first.
While Liberty recently encountered a setback when the Better Business Bureau (BBB) revoked its A+ rating due to a recent influx of complaints, it’s important to note that this is a standard procedure while the BBB thoroughly reviews the complaints. Liberty has previously gone through this process a few times in the past three years and had its A+ rating restored after the BBB’s evaluations. Negative reviews are few and far between, mainly mentioning isolated cases of longer wait times or unexpected fees. For Montana residents seeking a reliable home warranty provider with a proven track record of customer satisfaction, Liberty Home Guard is my top recommendation.
| Rating Site | Rating | Number of Reviews |
| BBB | NR (Not Rated)* / 4.5 out of 5 stars | 2,519 |
| Trustpilot | 4.7 out of 5 stars | 2,620 |
| 4.7 out of 5 stars | 10,440 | |
| Yelp | 1.4 out of 5 stars | 49 |
Editor’s Note: The ratings provided were accurate at the time of writing.
*Note (as of 4/4/24): The Better Business Bureau recently shifted LHG’s A+ rating to “NR.” We reached out to a representative from the Better Business Bureau, and they told us, “This business is not currently rated. BBB has recently received numerous complaints against this business and will issue a rating after it has fully evaluated them.” When asked about whether they revoke ratings after an increase in complaints, the rep said, “Yes, if they feel they need to review the complaints first before issuing an accurate rating.” This scenario has happened to LHG twice in the last two years, but each time the BBB has restored its A+ rating after a thorough review.
When disaster strikes, and you’re faced with a catastrophic failure like a burst pipe or a broken furnace during a frigid Montana winter, Liberty Home Guard is there to save the day. With an impressive 12-hour average response time and critical emergency repair options that many competitors lack, Liberty sets the standard for claims handling, earning a perfect 10/10 rating from me. These rapid responses can make all the difference when you’re dealing with a home crisis, and Liberty’s dedication to providing top-notch service during these challenging times is truly remarkable.
Liberty Home Guard is available in all U.S. states, earning it a perfect 10/10 score. With complete coverage of the country, Liberty has ties to experienced contractors near your home no matter where you live.
American Home Shield
4.3
Our Rating
I like American Home Shield’s unique offerings and industry-leading coverage limits, making it an excellent choice for Montana homeowners seeking comprehensive protection. One of the most notable features is AHS’s roof leak protection, which can be added as an optional coverage or included in the premium plan — a rarity in the industry and particularly valuable in Montana, where heavy snowfall and severe storms can cause significant wear and tear on roofs.
I’m also impressed by AHS’s extensive coverage limits, offering up to $5,000 for home systems like HVAC and $4,000 for appliances — far more than the typical $2,000 to $3,000 provided by most competitors. This gives me extra peace of mind, knowing that even my priciest appliances are covered.
I don’t like AHS’s poor review scores. Despite its 50 years of experience in the industry, American Home Shield has received a concerning number of negative reviews, with over three times the complaints on the BBB compared to rivals like Select Home Warranty in the last year alone. The company’s sub-2-star ratings on both Trustpilot and Yelp further indicate a lack of reputability, raising red flags to me considering their services. While AHS’s longevity may contribute to the accumulation of reviews, the consistently low ratings across multiple platforms are disappointing for a company with such extensive experience and contractor connections.
With over 50 years of experience, American Home Shield stands out for its impressive coverage limits of up to $5,000 for home systems and $4,000 for appliances, surpassing most competitors who typically offer limits closer to $3,000. This extensive protection is particularly valuable for Montana homeowners with high-end appliances and systems. AHS also distinguishes itself by covering undetectable preexisting defects, rust, and corrosion, unlike most other providers.
During my secret shopping, I found AHS’s website and quote process user friendly and straightforward. However, despite the higher coverage limits, the company’s lower-tier plans cover fewer appliances and systems compared to entry-level options from competitors. For comprehensive protection, I recommend the ShieldPlatinum plan to all Montana homeowners. It offers broad coverage at only a slight increase in cost while still beating comparable plans from other providers. While AHS boasts a vast contractor network, some reviewers have reported extended repair delays, and the 30-day workmanship guarantee falls short of rivals like Elite Home Warranty, which offers a 90-day guarantee.
American Home Shield offers Montana homeowners three plan options: ShieldSilver for major systems, ShieldGold, which adds some appliances, and the comprehensive ShieldPlatinum. I give AHS a strong 9/10 rating for its plans and coverage, particularly for the ShieldPlatinum plan. It uniquely includes roof leak coverage — coverage most home warranty companies exclude or offer as an add-on only. This top-tier plan also offers free HVAC tune-ups, helping to prevent furnace breakdowns during Montana’s six months of below-freezing temperatures. Additionally, the ShieldPlatinum plan has allowances for code violations, permits, and equipment modifications that other warranties often exclude.
One of the standout features of all AHS plans is that they cover old, improperly installed items and preexisting conditions, which many competitors like Liberty Home Guard don’t cover. This extensive protection brings peace of mind to owners of complex or aging systems and appliances. While AHS’s service fees, ranging from $100 to $125, exceed the industry average, the company offers flexibility by allowing customers to choose between lower monthly premiums or higher service fees based on their budget and needs. During my secret shopping, a representative offered a 20% discount for signing up the same day, so it’s worth keeping an eye out (and asking) for deals and discounts.
| Plan | Monthly Cost | Service Fee* | Available Discounts |
| ShieldSilver | $39.99 – $49.99 | $100 – $125 | 20% off same-day sign-up discount (online and phone) |
| ShieldGold | $59.99 – $69.99 | $100 – $125 | 20% off same-day sign-up discount (online and phone) |
| ShieldPlatinum | $89.99 – $99.99 | $100 – $125 | 20% off same-day sign-up discount (online and phone) |
*If you choose the lower service fee of $100, you pay the higher monthly premium. For example, the $49.99 rate for the ShieldSilver plan pairs with the $100 service fee.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Bozeman, MT. The cost data presented was accurate at the time of writing.
Available Add-Ons
AHS has the below optional add-ons to its plans. While the selection is limited, I like the optional roof leak repair coverage. Given Montana’s high amount of snow and rain, adding more wear and tear to roofs, this add-on can help patch leaks quickly. By the way, it’s included in the ShieldPlatinum plan at no extra charge.
- Electronics protection plan: $14/month
- Guest unit: $15.99/month
- Pool & built-in-spa equipment: $18/month
- Roof leak repair: $10/month
- Septic pump: $5/month
- Well pump: $8/month
Exclusions
AHS has the below exclusions to its plans. None of these is abnormal in the industry.
- Damage due to pets or pests
- Failure to properly clean or maintain home systems or appliances
- Foundation or structural damage
- Improper installation, improper wiring, or damage caused by construction activity
- Manufacturer’s defect
- Misuse or human error
- Malfunction or damage due to natural disasters
- Neglect, rust, corrosion, or sediment
- Removal of hazardous materials such as asbestos, lead, or other toxic materials
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
American Home Shield earns an 8.7/10 rating from me for affordability, primarily due to its high coverage caps that can save Montana homeowners money in the long run despite slightly higher up-front monthly costs and service fees. While competitors like Liberty Home Guard often cap system coverage at around $2,000, AHS extends that to an impressive $5,000 — offering more than double the protection. These strong coverage caps are especially valuable in Montana, where harsh winters and hot summers can lead to increased wear and tear on critical systems and appliances.
For Montanans with high-end systems or luxury appliances that would be costly to repair or replace without adequate coverage, the peace of mind and extra protection provided by AHS’s higher coverage limits can make the slightly pricier rates worthwhile in the long run. The costs for replacement HVAC systems in the state can easily surpass the lower caps offered by many competitors, making AHS’s allowance of up to $5,000 for these systems particularly beneficial. While American Home Shield may not be the most budget-friendly option, with monthly premiums of $39.99 to $99.99 and service fees of $100 to $125 slightly above average, the enhanced coverage justifies the higher costs when you have something break down.
I had high hopes for American Home Shield’s customer service given the company’s 50-plus years of experience in the home warranty industry . However, during my research, I found numerous complaints about unreturned calls and messages, which is concerning when Montana homeowners need assistance, especially during an HVAC breakdown in the middle of a harsh winter. While no provider is perfect, customer experience seems like a clear area for improvement based on customer feedback, and it’s the reason behind my 8.4/10 rating in this area.
Despite reported communication issues, AHS does offer some advantages that demonstrate a commitment to responsiveness. It assigns each customer an account manager and provides multiple contact methods, which can facilitate communication from individual representatives. Additionally, during my secret shopping, I found American Home Shield’s website to be user friendly when obtaining quotes and comparing pricing for different plans.
American Home Shield has a mixed reputation, with a less-than-stellar 2.2 rating on Trustpilot and a 1.1 rating on Yelp at the time of writing. Its BBB rating is slightly better at a B, but still not impressive compared to other providers. That said, AHS does have a strong 4.5-star Google rating, with almost 33,000 reviews. Most of the negative reviews focused on slow contractor dispatch, ineffective technicians, or coverage misunderstandings. However, if I read between the lines, it seems that some complaints stem from customers not carefully reviewing policy details and exclusions before signing up, so not all negative feedback is justified.
On a positive note, AHS makes filing claims straightforward with 24/7 online and phone support, which is crucial for urgent issues like furnace failures during Montana’s harsh winters. Once you submit a claim, you can conveniently track its status and repair history through your online account dashboard, providing ongoing visibility into the process.
| Rating Site | Rating | Number of Reviews |
| BBB | B / 2.11 out of 5 stars | 11,139 |
| Trustpilot | 2.1 out of 5 stars | 5,277 |
| 4.5 out of 5 stars | 32,947 | |
| Yelp | 1.1 out of 5 stars | 1,271 |
Editor’s Note: The ratings provided were accurate at the time of writing.
American Home Shield provides a user-friendly claims process, earning a solid 8.4/10 rating from me for its 24/7 customer service availability and straightforward online and phone claim submission options. This around-the-clock support is crucial for Montana homeowners facing urgent issues like a broken water heater. Once you file a claim, you can easily track its status and view your home’s repair history through your online account, providing transparency and reducing stress throughout the process.
However, AHS’s average response time of 48 hours is longer than that of some other industry leaders like Liberty Home Guard, which slightly lowers my rating. Additionally, some reviews highlight instances of unreturned calls and messages, which is concerning for a prominent provider. To mitigate these issues, AHS takes steps like assigning dedicated account managers and offering multiple contact channels, ensuring that homeowners can get the support they need when they need it.
AHS is available in all 50 states, earning it my perfect 10/10 rating. Homeowners in Montana have access to its expansive network of quality contractors for repairs.
Select Home Warranty
4.2
Our Rating
I like that Select Home Warranty (SHW) offers a compelling combination of comprehensive coverage and affordability. One of the standout features that distinguishes Select from its competitors is the inclusion of limited roof leak coverage across all plan tiers. This valuable protection, which is often excluded or only available as an add-on with other providers, is automatically included in every Select plan. With Montana’s variable climate, having this extra layer of security for roofs is a significant advantage.
Moreover, Select’s 90-day repair guarantee surpasses the typical 30- to 60-day guarantees offered by many other home warranty companies, giving me added confidence in their commitment to customer satisfaction. All these benefits come at an affordable monthly premium, ranging from $44 to $48, making Select Home Warranty an excellent value for budget-minded Montana homeowners.
I find Select Home Warranty’s limited number of add-ons disappointing, with only nine options available compared to providers like Liberty Home Guard, which offers over 40. This lack of customization could be problematic for those with unique home systems or appliances requiring specific coverage.
Another concern is Select’s policy of excluding coverage for unknown preexisting conditions, putting homeowners at risk of claim denials if they were unaware of hidden issues before signing up. To avoid this, I recommend thoroughly inspecting your home and documenting everything before enrolling.
Additionally, Select’s strict $75 plan cancellation fee and not letting you choose your preferred repair contractors seem to prioritize the company’s interests over flexibility for Montana residents, which I don’t appreciate.
I give Select Home Warranty an impressive 8.4/10 overall rating for its straightforward plans, affordable pricing, and strong coverage. With its Bronze Care, Gold Care, and Platinum Care options, Select offers clear coverage for appliances, systems, or a combination of both, making it easy to choose the right plan for your needs. I appreciate the company’s budget-friendly monthly premiums, ranging from $44 to $48, which are lower than those of many competitors like American Home Shield and Liberty Home Guard. Select’s 90-day workmanship guarantee also surpasses the 30- to 60-day industry norms, giving me added peace of mind.
However, it’s worth noting that Select’s coverage caps only reach $3,000 for essential items like air conditioning and HVAC systems. Given Montana’s varying climate, which puts considerable wear and tear on heating and cooling units, this may fall short for costly replacements. American Home Shield offers $6,000 and Elite Home Warranty offers a whopping $10,000 in coverage, so consider your HVAC system’s cost before choosing Select. Additionally, if you have luxury appliances or specialty home systems, providers like Elite Home Warranty and Liberty Home Guard may be better choices with their wider range of optional add-ons. However, for standard Montana homes, Select Home Warranty’s typical inclusions, cheaper monthly rates, and lower service fees make it an excellent choice for budget-conscious homeowners seeking reliable protection.
Select Home Warranty offers straightforward coverage plans for appliances, systems, or a combination of both, earning a respectable 8.3/10 rating. I recommend the Platinum Care plan for most Montana homeowners, as it covers both appliances and systems for just $4 more per month. Select’s transparent approach to home warranty coverage is refreshing compared to competitors, which have confusing packages and terminology.
When I got a quote online, I was offered attractive discounts, including two free months and $150 off the annual price, showcasing Select’s commitment to affordability. Customer reviews even mentioned the ability to negotiate lower monthly and service fees when speaking with a representative. However, it’s important to note that Select’s $3,000 coverage limits may not suffice for those with high-end appliances or systems, as some competitors like American Home Shield and Elite Home Warranty offer limits two to three times higher. Additionally, Select provides fewer specialty add-ons compared to some of its rivals.
| Plan | Monthly Cost* | Service Fee | Available Discounts |
| Bronze Care | $44.00 | $75 | $150 off (website), two extra months free (website – yearly pricing), $16 off monthly pricing |
| Gold Care | $44.00 | $75 | $150 off (website), two extra months free (website – yearly pricing), $16 off monthly pricing |
| Platinum Care | $47.75 | $75 | $150 off (website), two extra months free (website – yearly pricing), $16 off monthly pricing |
*Monthly cost figures provided reflect the discounted rate offered at time of writing. Select Home Warranty has been running this promotion since the beginning of this year.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Bozeman, MT. The cost data presented was accurate at the time of writing.
Available Add-Ons
SHW has the below add-ons available with its plans. In a state with many rural homes without access to city water and sewage, I appreciate Select offering optional coverage for well pumps and septic systems.
- Central Vacuum: $3.33/month
- Lawn Sprinkler System: $5.83/month
- Pool: $8.33/month
- Roof Leak: free
- Septic System: $5.83/month
- Spa: $5.83/month
- Stand-alone Freezer: $3.33/month
- Sump Pump: $3.33/month
- Well Pump: $3.33/month
Exclusions
Select has the following standard exclusions to its home warranty plans:
- Common areas in condominiums or multifamily homes
- Damage from natural disasters and rust
- Defects or damages caused by the foundation and structure of the home
- Incorrect installation or malfunctions due to construction damage or improper wiring
- Issues with systems or appliances related to hazardous or toxic materials (for example mold, asbestos, and gas leaks)
- Secondary damage (i.e., your home warranty may cover roof damage but won’t cover water damage caused by a roof leak)
- Solar heating systems
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
Select Home Warranty stands out for its affordability, earning an impressive 9.1 rating. With monthly premiums of around $40 after discounts, Select offers plans that are $10 to $20 cheaper than the industry average, making it an excellent choice for Montana homeowners looking to protect their homes on a tight budget. This competitive pricing extends across its Bronze, Gold, and Platinum plans, which cover essential appliances, systems, or both without the steep price increases often seen with competitors.
I appreciate Select’s low $75 service fee that is significantly less than the $100 or more charged by many other providers like American Home Shield. These lower fees provide peace of mind that repairs won’t break the bank, allowing for savings on both monthly premiums and repair costs. While Select’s $2,000 per appliance coverage limit may not suit every homeowner, it’s plenty for most homes with standard units. Overall, Select Home Warranty’s affordability, lower service fees, and adequate coverage limits make it a top choice for budget-conscious Montana homeowners.
I’m impressed with Select Home Warranty’s user-friendly website and straightforward online quote process. Unlike other providers I’ve researched, Select doesn’t bombard potential customers with excessive follow-ups or aggressive sales tactics. Its website clearly outlines available plans, pricing details, coverage specifics, and add-ons in plain language, making it easy for Montanans to pinpoint what is and isn’t included in each plan, each plan’s cost, and the breakdown of each add-on. This hassle-free online experience sets Select apart from competitors that often overwhelm and confuse potential customers with pushy salespeople.
Select Home Warranty has a decent B rating from the BBB. It holds an average 3.8/5 star customer review scores across several review sites, resulting in a fair 8/10 rating from me. Positive reviews highlight the company’s swift repairs after claim approval, helpful customer service, and easy enrollment process. However, I’m disappointed to see complaints about low reimbursements, denied coverage, and unskilled repair contractors. It’s important to note that dissatisfied customers often shout louder than satisfied ones, and Select’s lower review volume compared to massive competitors may indicate fewer unhappy buyers overall.
| Rating Site | Rating | Number of Reviews |
| BBB | B / 1.39 out of 5 stars | 2,110 |
| Trustpilot | 3.8 out of 5 stars | 4,818 |
| 3.8 out of 5 stars | 19,830 |
Editor’s Note: The ratings provided were accurate at the time of writing.
I appreciate that filing a claim with Select Home Warranty is a straightforward process, allowing Montana residents to submit requests either online or by phone. For most non-emergency situations, Select dispatches repair technicians within 48 hours, aligning with the industry average. However, this response time lags behind some competitors who aim for 12 hours or less, which earns the company a fair 7.6/10 rating from me for its claims process.
Select offers its plans to homeowners in all 50 states. With coast-to-coast coverage, you can count on experienced local contractors for fast repairs.
Elite Home Warranty
4.3
Our Rating
I like that Elite Home Warranty (EHW) stands out with its consistently high ratings ranging from 4.5 to 5 stars on trusted review sites like Yelp, Trustpilot, and Google, far surpassing the industry’s typical 2- to 3-star reputation.
I also appreciate its top-notch customer support, as demonstrated by the frequent praise for its quality service and ability to promptly settle claims to customers’ complete satisfaction.
Another key advantage is Elite’s extensive array of customization options, with 27 add-ons available, allowing Montanans to create tailored plans that balance affordability and financial security. Moreover, Elite’s generous coverage limits of up to $10,000 per system and $6,000 per appliance provide peace of mind, ensuring that even premium equipment is well-protected at a reasonable price point.
One major gripe I have with Elite Home Warranty is that its plans don’t cover emergency repairs without an additional $150 fee. When critical systems like air conditioners fail during Montana’s hot summers, homeowners need urgent support without the burden of extra costs.
I also find it disappointing that Elite excludes commercial-grade appliances from all its plans, which could be a deal-breaker for some Montana homeowners. Another notable con is that you lose the workmanship guarantee if you choose to use your own trusted technician instead of one from Elite’s contractor network, limiting flexibility and potentially frustrating those who prefer working with local professionals they know are reliable.
Elite Home Warranty’s industry-leading coverage limits of up to $10,000 for home systems and $6,000 for appliances are what stand out to me the most. These generous caps far exceed the typical $2,000 to $3,000 maximums offered by competitors, providing invaluable peace of mind for Montana homeowners with high-end household equipment vulnerable to costly repairs. I highly recommend Elite’s Complete plan, which bundles appliance and system coverage for maximum value, and with 26 add-ons available, Montanans can customize their protection to fit the unique needs of their homes.
However, it’s important to note that Elite falls short when it comes to emergency repairs outside of normal business hours, even with their 24/7 customer service, by charging a $150 emergency fee. Additionally, certain luxury brands may trigger service surcharges, and Elite excludes commercial-grade equipment across all plans. Despite these limitations, I give Elite Home Warranty an impressive 8.6/10 rating for its comprehensive coverage and flexibility. It’s a top choice for Montana residents seeking to safeguard their expensive household systems and appliances with the highest limits available.
Elite Home Warranty offers three straightforward plans for Montana homeowners: an appliance-only plan, a systems-only plan, and a combo plan called Elite Complete, which is my top choice for its amazing coverage. What truly sets Elite apart are its outstanding coverage limits, which are significantly higher than industry standards that typically max out at around $3,000. Appliances are covered up to an impressive $6,000 per claim, while system payouts are as much as $10,000 — both unparalleled sums I haven’t seen any other home warranty company match.
With Montana’s extreme temperature fluctuations, from hot summers to frigid winters, home systems and appliances face extra strain, increasing the likelihood of breakdowns and costly repairs. Elite’s strong coverage caps provide immense peace of mind by fully covering sudden repair expenses. During my secret shopping, I was offered a special 30-day free trial for the policy and $150 off to get started when calling to start coverage. Because of this deal, I recommend contacting Elite directly to secure the best pricing. Given its record-shattering coverage limits that blow away industry norms, I confidently rate Elite’s protection plans a perfect 10 out of 10 for Montana homeowners.
| Plan | Monthly Cost | Service Fee | Available Discounts |
| Elite Appliance | $48.99 | $100 | $150 sign-up (phone), 30-day trial (phone) |
| Elite Systems | $52.99 | $100 | $150 sign-up (phone), 30-day trial (phone) |
| Elite Complete | $59.99 | $100 | $150 sign-up (phone), 30-day trial (phone) |
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Bozeman, MT. The cost data presented was accurate at the time of writing.
Available Add-Ons
EHW offers the following 26 add-on coverage options to its plans. I appreciate that Elite offers water softener and well pump coverage for Montana homes. Many homes in this state don’t have access to city water, and being able to protect these two important systems is a great plus.
- Attic exhaust fan: $69.99/year
- Central vacuum: $49.00/year
- Effluent pump: $99.99/year
- Ejector pump: $99.99/year
- Freestanding freezer: $59.99/year
- Freestanding ice maker: $59.99/year
- Freestanding spa equipment: $119.99/year
- Generator: $99.99/year
- Geothermal heating and cooling System: $299.99/year
- Grinder pump: $99.99/year
- Guest house: $299.99/year
- HVAC annual maintenance: $299.99/year
- Jetted/hot Tub: $99.99/year
- Lawn sprinkler system: $99.99/year
- Lift pump: $99.99/year
- Limited roof leak repair: $99.99/year
- Pool & spa equipment: $199.99/year
- Pool equipment: $149.99/year
- Premium appliances: $249.99/year
- Premium benefits: $199.99/year
- Premium systems: $299.99/year
- Premium systems plus: $499.99/year
- Septic system: $129.99/year
- Service lines: $349.99/year
- Sump pump: $99.99/year
- Swamp cooler: $149.99/year
- Water filtration system: $99.99/year
- Water softener: $99.99/year
- Well pump: $99.99/year
- Wine cooler: $69.99/year
Exclusions
EHW has the following industry-standard exclusions:
- A lack of maintenance
- Acts of God
- Commercial-grade appliances
- Cosmetic damage
- Natural disaster-related damages
- Units in a rental property
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
I find Elite Home Warranty’s monthly premiums, ranging from around $49 to around $60, to be competitive with those of other providers in Montana. The company offers standard coverage options, including appliances-only, systems-only, and bundled plans, with a $100 service call fee that parallels that of top competitors like Select Home Warranty and American Home Shield.
However, when speaking with Elite’s customer representatives, I found the experience a bit frustrating due to the lack of price transparency. It was challenging to get hold of any information surrounding add-on pricing, which greatly impacts how much your monthly premium will cost you. Most of Elite’s add-ons fall in the $15 to $20 per month range, which is pricier than some other providers but still reasonable for expanded protection. Additionally, Elite charges $150 for weekend or emergency service and $150 per visit for access to premium-brand technicians — fees that can quickly drive up expenses once you start a service contract.
On the plus side, I like that Elite offers a 30-day trial period, allowing Montana customers to vet plans risk-free before fully committing. Factoring in the need for more transparency around fees, I give Elite Home Warranty an 8.7 out of 10 on its affordability for Montana homeowners.
My experience shopping with Elite Home Warranty was somewhat mixed. I found its website difficult to navigate and lacking clear pricing details compared to those of competitors. Unlike with most other providers, you can’t play around with a calculator and quote estimator on your own. Instead, Montana residents must call the company directly to receive even basic monthly price ranges, and the optional add-on costs are buried deep in the website, listed only as a yearly price in the quote confirmation screen. This hidden pricing approach creates unnecessary friction in the comparison shopping process and makes accurate monthly budgeting a challenge.
Speaking with a phone representative, I felt they lacked clarity or training around the extra fees and charges associated with plan add-ons as well. This hazy pricing strategy earns Elite a fair 7.6/10 rating from me. However, despite these initial quoting and budgeting hurdles, Elite Home Warranty boasts numerous positive customer reviews from reputable sites like Trustpilot and Google. This indicates that most homeowners appreciate the company’s responsive support and coverage once they sign a contract.
Elite Home Warranty’s accreditation and A+ rating with the Better Business Bureau give me confidence in the company’s credibility and dedication to promptly addressing customer concerns, despite its limited number of online reviews as a newer player in the home warranty industry. With just over 200 total reviews across platforms like Google, Trustpilot, and Yelp, this small sample size does negatively affect Elite’s reputation score, resulting in a fair 8.3/10 rating from me.
However, the existing customer feedback is mostly positive, with many homeowners praising Elite’s budget-friendly prices, good add-on options, responsive support, and exceptional service. Numerous reviews highlight the company’s fast claims handling and proactive follow-up to ensure customer satisfaction, which is particularly valuable when dealing with critical system breakdowns. While a few negative reviews mention slow communication and late contractors, these don’t appear to be widespread issues.
| Rating Site | Rating | Number of Reviews |
| BBB | A+ / 4.97 out of 5 stars | 739 |
| Trustpilot | 4.7 out of 5 stars | 59 |
| 4.8 out of 5 stars | 146 | |
| Yelp | 4.8 out of 5 stars | 4 |
Editor’s Note: The ratings provided were accurate at the time of writing.
Elite Home Warranty’s claims process earns a below-average score of 6.8 out of 10 from me. While the company allows convenient 24/7/365 claims filing online or by phone, which has become standard practice in the industry, it lacks true emergency after-hours repair services without paying an extra $150 fee. This major weakness means Montana homeowners could be left vulnerable with burst pipes or a malfunctioning furnace in the middle of a frigid winter weekend without support. Additionally, Elite’s standard claim response time of 24 to 48 hours, although in line with competitors, is no better than the industry average.
Elite Home Warranty is available in 46 U.S. states — all EHW is available in 46 U.S. states (excluding California, Texas, Washington, and Wisconsin), earning it a 10/10 rating. Montana residents can expect local, experienced contractors in its network for fast repairs. California, Texas, Wisconsin, and Washington. While it’s not complete nationwide coverage, EHW has a strong network of contractors that you can rely on for expert repairs.
Cinch Home Services
4.1
Our Rating
What I really like about Cinch Home Services is its exceptional 180-day workmanship guarantee. This guarantee far surpasses the industry standard of 30 to 90 days. This impressive six-month protection window showcases Cinch’s unparalleled dedication to providing top-notch service to Montana homeowners. I also appreciate that Cinch offers 24/7 customer support, ensuring that Montanans can get the help they need any time, day or night. Another appealing aspect is Cinch’s highly affordable monthly premiums, which start at just around $30. This combination of low pricing and comprehensive coverage makes Cinch a fantastic choice for Montana residents looking for a budget-friendly home warranty option that doesn’t skimp on quality.
I don’t appreciate Cinch Home Services’ high service fees, ranging from $100 to $150, which are steeper than those of more customer-friendly providers I’ve reviewed. Additionally, the company’s $25 contract cancellation penalty, which kicks in just 30 days after signup, seems to prioritize Cinch’s interests over the flexibility of Montana homeowners.
I’m also disappointed that Cinch only offers five optional add-ons — significantly fewer than the industry average of 10 to 15 and paling in comparison to the 40-plus options provided by Liberty Home Guard and 26 from Elite Home Warranty.
I give Cinch Home Services an overall rating of 8.1/10 for its impressive reputation, built on over 40 years of experience, good pricing transparency, and a straightforward claims process. Montana homeowners can trust in Cinch’s quality service representatives and its unparalleled 180-day workmanship guarantee, which far surpasses the industry standard of 30 to 90 days. This exceptional six-month guarantee demonstrates Cinch’s strong commitment to proper repairs and customer satisfaction.
Like most home warranty providers, Cinch offers three plans. Cinch’s plans range from $34.99 to $49.99 per month — about average for the industry. However, the company falls short in its selection of optional add-ons, providing only six choices at a steeper-than-average cost of $12.50 to $22 per month. These limited customization options may disappoint Montana homeowners seeking more flexibility. Additionally, Cinch’s service call fee of $100 to $150 is higher than the industry average.
Despite these drawbacks, Cinch holds a respectable B+ rating with the BBB, reflecting its ongoing efforts to satisfy clients and resolve issues over its many years in business. While not the most affordable option, Cinch is a solid choice for Montana residents, prioritizing premium service, an easy claims process, and reliable coverage for standard appliances and systems.
Cinch Home Services offers three straightforward home warranty plans: Complete Home, Built-In Systems, and Appliances, providing standard coverage similar to that of other major providers. However, with only three main plans and five add-ons, Cinch falls behind competitors in terms of customization options, earning it a lower 6.7/10 rating from me. The company also excludes items like roof leak coverage, which may disappoint Montana homeowners seeking protection against leaks before the spring downpours.
On the plus side, I appreciate that Cinch’s Complete Home Plan offers broad protection for nearly all major appliances and systems at a reasonable price. Monthly premiums range from around $30 to around $57, depending on your chosen service fee of $100, $125, or $150, which is competitive. For Montanans seeking comprehensive coverage of the basics, the Complete Home Plan is a great option.
| Plan | Monthly Cost | Service Fee* | Available Discounts |
| Complete Home Plan | $44.99 – $56.99 | $100, $125, or $150 | Get your first month free |
| Built-in Systems Plan | $35.99 –$47.99 | $100, $125, or $150 | Get your first month free |
| Appliances Plan | $30.99 – $40.99 | $100, $125, or $150 | Get your first month free |
*You choose the service fee when you sign your contract; a lower service call fee corresponds with a higher monthly premium.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Bozeman, MT. The cost data presented was accurate at the time of writing.
Available Add-Ons
Cinch offers the following optional add-ons. While limited, I appreciate the optional well pump coverage for rural Montana homes that don’t have access to city water.
- Pool (heater included): $22
- Spa (heater included): $22
- Pool with built-in spa (heater included): $22
- Septic tank/pumping: $4.58
- Well pump: $12.50
- Premier upgrade package (includes permits, code upgrades, removal and disposal costs, and more): $12.50
Exclusions
Cinch Home Services has these industry-standard exclusions to its plans:
- Accidents
- Commercial-grade appliances or systems
- Coverage below the slab or basement floor of your home
- Damage caused by abuse, misuse, or neglect
- Damage caused by lightning strikes, power failure, or power surges
- Damage caused by remodeling or unauthorized repair
- Electric devices
- Flues, venting, chimneys, and exhaust lines
- Items covered under other insurances, warranties, or guarantees
- Problems caused by mold or mildew
- Removal of hazardous materials
- Routine maintenance
- Structural or property damage
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
Cinch Home Services offers some of the most affordable home warranty plans in Montana, with monthly premiums starting at just $30.99, allowing homeowners on tight budgets access to coverage typically only available at higher price points from competitors. However, Cinch’s service fees of between $100 and 150 when you need a technician for repairs are notably higher than the industry average of $75, and the company charges a $25 cancellation fee if you decide to leave after just 30 days, which seems intended to lock customers into commitments rather than empower choice. Taking affordability, protections, and limitations together, I rate Cinch Home Services’ affordability an 8.7 out of 10 for Montana residents.
Cinch Home Services earns a decent 7.8 out of 10 rating from me, with a customer experience that has both pros and cons. On the plus side, Cinch’s website allows Montana homeowners to easily estimate pricing by entering their ZIP code, enabling transparent self-service quotes. The company also stands out by offering an 180-day workmanship guarantee on repairs, which is three times longer than the typical 60 days, showcasing a focus on customer satisfaction. However, after getting a quote online, I received nearly four calls and five emails from Cinch representatives in just a couple of days, which came across as a high-pressure sales approach that was more aggressive than competitors who respect people’s time and boundaries.
With 45 years of industry experience, Cinch Home Services stands as one of the most long standing home warranty providers, giving me confidence in its reputation and business practices. Adding to its credibility, Cinch currently has no lawsuits or violations on its record, which is, unfortunately, rare in this industry. However, despite its extensive history, Cinch’s customer reviews fail to reflect the level of satisfaction I expect from such a tenured company. Across various sites, including Google, Trustpilot, and Glassdoor, Cinch’s ratings range from a low 3.1 stars to a mediocre 3.8. With all things considered, I give Cinch an 8.3 out of 10 rating for its reputation.
| Rating Site | Rating | Number of Reviews |
| BBB | B+ / 1.12 out of 5 stars | 1,575 |
| Trustpilot | 3.8 | 3,114 |
| 3.1 | 4,012 |
Editor’s Note: The ratings provided were accurate at the time of writing.
I give Cinch Home Services a 9.2 out of 10 rating for its claims process, thanks to its 24/7/365 emergency hotline that ensures around-the-clock assistance when disaster strikes, even responding within two hours on average during business hours. However, Cinch has an abundance of reported issues from customers concerning backend support, with many feeling the company failed to cover repairs that should have been included, though these problems seem to stem from homeowners not fully understanding their contracts. While Cinch’s 180-day guarantee is a plus, the recurring complaints about denied claims and technicians occasionally failing to fully fix issues on the first visit concern me.
Cinch Home Services offers its plans in 47 of 50 U.S. states, earning it a stellar 10/10 rating for availability. With full coverage in Montana, you can count on experienced local contractors in its network for swift repairs.
Calculate the Cost of Montana Home Warranty
Use Today’s Homeowner’s home warranty cost calculator to estimate the yearly cost of a new plan. Just type in your monthly premium, service fee, and estimated number of service visits in a year. Our calculator will then provide the full estimated annual cost of a new home warranty plan.
| Appliance | Average Repair Cost | Average Replacement Cost |
|---|---|---|
| Dehumidifier | $50–$200 | $1,300–$2,800 |
| Microwave | $50–$400 | $60–$2,000 |
| Dishwasher | $50–$500 | $400–$3,000 |
| Exhaust Fans | $16–$300 | $250–$950 |
| Electric Range | $100–$500 | $230–$3,000 |
| Gas Range | $100–$500 | $230–$3,000 |
| Dryer | $100–$400 | $450–$2,300 |
| Oven | $100–$430 | $400–$3,000 |
| Washer | $50–$450 | $400–$2,300 |
| Freezer | $90–$500 | $160–$2,900 |
| Refrigerator | $40–$350 | $200–$5,000 |
Montana Home Warranty Regulations
Montana does not have specific regulations in place to oversee the operation of home warranty companies, unlike some other states. This lack of regulatory oversight means that homeowners in Montana must be particularly diligent when selecting a home warranty provider. To make sure you choose a reputable company, you should research providers with a long standing history in your local area and review customer feedback and BBB ratings to gauge the company’s reputation. I’m confident that all five providers I recommended in this guide are the most reputable options you have.
If you have any issues with a home warranty provider, you can file a complaint with the Montana Office of Consumer Protection for assistance.
Editor’s Note: While this article highlights certain regulations, it’s vital for readers to do their own research, as the mentioned regulations are not exhaustive.
Frequently Asked Questions
Do You Need a Home Warranty in Montana?
Montana’s harsh winters and scorching summers can put significant strain on home systems and appliances, making a home warranty a valuable investment for many homeowners. Additionally, the state’s rural nature can lead to longer wait times for repairs, which a home warranty can help manage.
How Much Does a Home Warranty Cost in Montana?
The average cost of a home warranty in Montana is around $500 per year, with prices typically ranging from $300 to $800 annually. To get a better understanding of the factors that influence home warranty costs, check out this article on the average cost of a home warranty.
How To Save Money When Shopping for Home Warranties In Montana?
To get the best rates on home warranties in Montana, I recommend comparing quotes from at least three different providers and carefully evaluating the coverage, pricing, and customer reviews. Getting quotes online and over the phone can sometimes help you find discounts, too. Additionally, keep an eye out for deals such as multi-year contracts or bundling your home warranty with other home services, which can help you save money over time.
Is a Home Warranty Worth It for Montana Homeowners?
A home warranty is worth it for Montana homeowners because it can offer financial protection and peace of mind against unexpected repairs or replacements of essential home systems and appliances. To learn more about the advantages and disadvantages of home warranties, read our article on whether home warranties are worth it.
