Are you looking for the best home warranty in Montana? Perfect, you’re in the right spot. In this guide, you’ll learn:
- Who needs a Montana home protection plan?
- What plans are available in Montana?
- What do Montana residents need to think about when shopping for a home warranty plan?
- And much more!
After reading our comprehensive guide, you will know which coverage options are most important, when you need a home warranty, and how much it costs to protect your home with a home warranty.
Disclosure: ReviewHomeWarranties.com has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.
At Review Home Warranty, we reviewed nearly 70 home warranty companies throughout the United States. We then compared the coverage options available in Montana to figure out which companies offer the most comprehensive and affordable protection packages for you.
At the end of this article, you will find our list of the five best home warranty companies in Montana. Make sure you check it out!
Who Needs A Home Warranty in Montana?
All Montana property owners can use a home warranty to avoid surprise repair bills. But, homeowners aren't the only ones who benefit, realtors and renters can also enjoy the peace of mind that comes with an excellent home warranty policy.
Homeowners receive the most apparent rewards from a home warranty plan. As a property owner, you have a lot to handle.
You have taxes, monthly mortgage premiums, yard maintenance, utility bills, pest control, and other expenses to consider. With all of that on your plate, an unexpected repair or primary system replacement can cut into your savings account.
A home warranty can help you budget for home repairs, so you aren't caught off guard. Home service companies give you the option of tailoring coverage to fit your family's needs. It doesn’t matter if you own new appliances and older home systems in your Montana residence; there is a plan that will protect your items.
Buying a new home is one of the most exciting experiences of a lifetime. Your home purchase is an investment in your future.
Top 7 Best Home Warranty Companies in Montana
When you buy a home, you never know when it might need repairs. Even with a clean home inspection report, a major system in your home could malfunction days or weeks after you close.
So, many homeowners cover their properties with a comprehensive Montana home warranty. When you invest in a protection plan that includes systems and appliances, it helps you to maintain your investment.
Home Sellers and Real Estate Agents
When you sell your home, the last thing you want to do is make repairs before closing. However, that is the situation many sellers find themselves in when they do not invest in a home protection plan.
You are responsible for making all home repairs before your property closes. Furthermore, if the inspection report shows that a system or appliance is not working correctly, the buyer may ask you to repair the item before they agree to move forward with the purchase.
With a home warranty, you do not have to worry about that. When you purchase a plan as a seller, your coverage is transferable to the new owner, and top Montana home warranty companies allow you to transfer the program for free or for a nominal fee. Choice Home Warranty, for example, offers a free transfer fee.
Top 5 Best Home Warranty Companies In Montana
|Montana Company Name||Premium Per Month||Deductible|
|Choice Home Warranty||From $36.17 to $43.85||$85 flat rate|
|American Home Shield||From $49.99 to $59.99||From $75-$125|
|Select Home Warranty||From $35.83 to $37.50||$75 flat rate|
|Liberty Home Guard||From $39.99 to $59.99||$75 flat rate|
|Service Plus||From $45.33 to $52||$75 flat rate|
So, you enjoy protection while your house is on the market, and the new owners continue to have protection throughout the first year that they own the home.
If you are a Montana real estate agent, a home warranty can help protect your sale, but also help you make it. Many agents consider purchasing a home warranty as house warming presents for their customers.
Overall, having a quality property protection plan in place can prevent buyers from backing out of a deal. It can also help you sell an older home faster because buyers are looking for homes that are easy to maintain.
Read Also: Should I Purchase A Home Warranty When Putting My Home On The Market?
Renters and Landlords
Renting a house should mean you do not have to worry about maintenance issues. However, that is not always the case.
Many renters pay their rent on time each month only to find themselves in a situation where they need a landlord to fix something, but the job just does not get done. Anytime this happens, it is stressful because there is not a lot you can do.
With a home warranty plan in place, renters do not have to worry about items like their heating system, water heater, air conditioning, and other essential elements not being repaired by the homeowner.
For landlords, a home warranty plan can help you save time and budget for repairs. When something breaks, instead searching for a qualified service technician, you simply contact your home warranty company.
Best Home Warranty in Montana?
Choice Home Warranty is our #1 pick for Montana. Why? Choice offers two comprehensive plans, with a $85 deductible fee for all claims. Their extensive contract network of 25,000 makes access to quick repairs easy.
They will then schedule one of their service providers to come out and inspect the item. You then pay a service fee, and the home warranty pays the remainder up to the limits on your policy. If you want, you can even include the service fee in your lease contract.
Many landlords require the tenant to pay the service charge, but that is something you need to advise the tenant of upfront.
Are you a veteran renting your home in Montana? Check out this article for the top plans for veterans.
What Should You Think About When Purchasing A Home Warranty in Montana?
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.
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.
Take a look at this video of Montana to view its diverse terrain:
What Will A Home Warranty Cost A Resident Of Montana?
Montana home warranties are similar in price to plans in other parts of the United States. You can cover your home with an affordable combo plan for between $350 and $650 a year. Or, you can choose between a systems or appliance plan for around $50 a month.
As a home service contract holder, you will also need to pay a service fee each time a technician visits your home to repair a covered item. The service fees generally range from $50 to $150. So, if you have a tight budget or live on a fixed income, you will want to select a company that offers low service fees.
What Types Of Plans Are Available For You In Montana?
Are you wondering what types of coverage are available for your Montana home? We do not blame you. Knowing what plan options you have is essential when you are shopping for a home warranty protection package.
Do you have older appliances and new home systems? If so, an appliance only package might offer adequate protection for you.
Most appliance plans cover dishwashers, refrigerators, garbage disposals, garage door openers, cooktops, ceiling fans, smoke detectors, and water heaters.
These devices are expensive to repair or replace. So, covering your appliances is always a good idea when the manufacturer's warranty is no longer valid.
Systems plans only cover your home systems. If you live in an older home, but you recently purchased new appliances, a systems package is a good option for you. Most systems plans cover all of your home systems, including ductwork, electrical, plumbing, and HVAC, but they may exclude coverage for pools, spas, septic systems, and other specialty home components.
Combo plans offer more comprehensive coverage and include all of your essential home components. Some providers offer these packages in tiers, while others include all of the most common systems and appliances.
Add-On Protection or Build Your Own Plans
Aside from the above plan options, some companies also allow you to build your own. When you select a custom plan, you usually get a set number of appliances or systems you can choose. Each additional item costs a couple of dollars extra monthly.
These plans are superb for homeowners who have some older systems and appliances because they allow you to pick and choose which items to cover. So, you are not wasting money covering anything that is covered under a manufacturer's warranty.
You can also select coverage for additional items your home service plan does not include, like trash compactors, pools, central vacuums, ice makers, and deep freezers.
Is A Home Warranty Worth It In Montana?
Are you wondering if a home warranty is worth it for your Montana home? You bet it is!
Experts suggest that homeowners spend around one percent of their home value on repairs and maintenance each year. They also say you should have at least a dollar per square foot in your home in savings to make major repairs. However, total air conditioning or heating system replacement can cost thousands more.
A top of the line home warranty costs is around $650 a year. There might be some years when you do not use your plan for a costly repair. Still, most homeowners do have to call a maintenance professional at least once a year for things like plumbing stoppages, electrical malfunctions, a broken appliance, and more.
Additionally, your policy will give you peace of mind. Many homeowners find themselves in situations where they do not have the money to pay for a costly service bill when they need something fixed right away.
With your home warranty plan, you never have to worry about paying out of pocket for covered items. Plus, you have access to your warranty company's extensive network of vetted contractors, which saves you time.
The best home warranty plans also guarantee the work of their contractors for at least 30 days. So, you do not have to worry about hiring the wrong person for the job.
What Are The 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.
How To Choose Coverage In Montana (Is It Unique)?
Choosing coverage for your Montana home takes some special consideration. You need to consider the factors that affect you, and you need to follow a few steps to select the perfect plan for your home.
Step 1: Make A List Of The Items You Want To Cover
Do you know which of your home's systems and appliances you want to cover? If you do, great! You are already on the road to selecting a great plan.
If you do not know which components you want to cover, you need to give that serious consideration. It is also a good idea to make a list of each item.
Step 2: Get Free Quotes
Next, you need to get free quotes from several top home warranty companies. All of the top companies give free quotes.
Obtaining a quote allows you to see exactly how much it will cost to purchase the package you want. It also allows you to compare the coverage offered by each provider.
Step 3: Read Home Warranty Reviews
After you select a few companies, you need to check out home warranty reviews on consumer sites like the Better Business Bureau (BBB). Customer reviews can be beneficial because they give you first-hand accounts of what it is like to work with a home service provider.
It is vital to know, though, that most people write reviews when they are unhappy, and companies with more contracts often have more reviews.
Top Home Warranties For Montana Reviewed
Now that you know how to shop for coverage, are you wondering which companies offer the best home warranties for Montana homeowners?
If so, you are in luck. Below, you will find our top home warranty companies for Montana list with information, plans, and the pros and cons of working with each provider.
Choice Home Warranty Review (Best Overall Home Warranty)
Why Do We Like Choice?
Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.
Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have "Optional Coverage" for add on items most homeowners don't usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items.
Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.
The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.
A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.
That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.
Policy On Pre-Existing Issues or Older Units?
Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life.
What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).
- Good Limits (up to $1,500)
- Minimal Exclusions
- More Affordable
- Only 15 Home Appliances & Systems Covered
American Home Shield Review (Editor's Choice)
Why Do We Like American Home Shield?
Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.
In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.
They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 - $3,000 per claim.
Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Highest Payout Limits (up to $3,000)
- Widest Coverage (21 systems and appliances)
- Fewest Exclusions
- Most Expensive
Select Home Warranty Review (Most Affordable)
Why Do We Like Select Home Warranty?
Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 - $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.
If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.
Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Most Affordable Service Contracts
- Roof leaks Are Covered In Their Platinum Plan
- Ultra Pushy Sales
- 3 Days To Submit Claim
- Weaker Network Of Contractors
Liberty Home Guard Review
Why Do We Like Liberty Home Guard?
Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice.
Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home.
Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month.
We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.
Policy On Pre-Existing Issues or Older Units?
If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.
- State of the art customer portal system
- Rigorous testing for contractors
- Ability to use your own contractors
- Fair pricing
- Good customer service for a newer company
- Must report your issues within one day of noticing a problem
Service Plus Review
Why Do We Like Service Plus?
Service Plus Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.
Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.
Most home warranties do not cover anything related to your roof but Service Plus does, which we found to be unique to their offering helping them crack our top list.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and AHS, Service Plus covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- You Can Choose Your Own Technicians
- Roof Coverage
- More Exclusions Than Most Competitors
- The Worst BBB score
- Low Payout Limits ($500)
Final Thoughts On Home Warranties In Montana
As a Montana homeowner, you have unique home warranty needs. By now, you probably have a good idea of what coverage options are important to you.
So, all you need to do is obtain a few free quotes, compare coverage, and start your home protection plan. Then, you, too, can enjoy the peace of mind that comes from owning one of the best home warranties in Montana.