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Best Home Warranties in Montana

We compared 30 companies and chose the top home warranty providers

    • Best overall
      Choice Home Warranty
      4.0(73,354)
    • Roof coverage
      Select Home Warranty
      3.6(15,983)
    • Claims handling
      Regency Total Warranty
      4.1(1,012)
    Author picture
    By: Alina Bradford
    +1 more
    Author picture
    Edited by: Cassidy McCants

    Best Home Warranties in Montana

    Choice Home Warranty is the best home warranty company in Montana, based on local reviews and overall value. Select Home Warranty is a good choice if you want coverage for roof leaks, and Regency Total Warranty stands out for hassle-free claims.

    Why trust ConsumerAffairs?
    • Our recommendations are based on what reviewers say.
    • 4,806,561 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.

    Our 4 home warranty company picks in Montana

    1. Best overall: Choice Home Warranty
    2. Best for roof coverage: Select Home Warranty
    3. Best claims handling: Regency Total Warranty
    4. Best for quick service: Cinch Home Services

    Our research team vetted home warranty companies that are available in Montana. Read our guide to choose the best home warranty in Montana for you by comparing plans, contract lengths and service fees.

    Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us, but this does not affect our recommendations or evaluations.

    Compare home warranty companies

    Our 4 Montana home warranty company picks

    To choose our top picks for this guide, we compared home warranty companies on coverage limits, prices, available plans and labor guarantees. We also considered verified reviews from across the country.

    Best overall

    Choice Home Warranty

    Choice Home Warranty
    4.0
    73,354 reviews
    Plans available
    Basic and Total
    Service fees
    $100
    Starting costs
    $46.83
    Labor guarantee
    60 days
    Get a Quote Read Reviews

    In a state where delays can mean days without heat or hot water, Choice’s pledge to answer service requests within four hours is invaluable. This company’s strong technician network is an advantage for rural Montanans, who often struggle to find qualified pros.

    What to consider: Choice does not offer an appliance-only or systems-only plan, and you cannot select your service fee.

    Pros
    • Optional roof leak coverage
    • No transfer fee
    • 24/7 customer service
    Cons
    • $500 roof repair cap

    Choice Home Warranty offers two plans. Both plans include a wide range of coverage for major systems and appliances, and contracts last one year. If you cancel early, there is a $50 fee, but transferring your contract to a new owner is free.

    • Basic: Covers 14 systems and appliances, including heating, electrical and plumbing.
    • Total: Includes everything in the basic plan and covers your washer and dryer, refrigerator and air conditioning system.

    Add-ons and discounts

    • Optional add-ons
      • Ice maker: $2.08
      • Second refrigerator: $3.33
      • Stand-alone freezer: $3.33
      • Sump pump: $3.33
      • Central vacuum: $3.33
      • Septic tank pumping: $5.42
      • Roof leak repair: $5.83
      • Well pump: $8.33
      • Sprinkler system: $8.33
      • Septic system: $10
      • Pool and spa: $15
      • Additional spa: $15
    • Discounts: Reduced premiums with annual payments; free extra month

    Montana customers say Choice representatives are polite, helpful and make it easy to set up claims or choose a plan. Some praised quick contractor dispatches and clear explanations of the repair process. However, others reported delays in getting a contractor assigned or inconsistent service experiences.

    “The representative was understanding and helpful. He was easy to understand me and I was able to communicate with him. I told him that my Samsung dryer had quit working and he explained the procedure that he would follow to submit my claim for me.”
    Paula Msla, MT
    “I had a very pleasant and informative talk with your agent on the phone. He was well informed and very polite. He also was able to answer all of my questions very quickly. It was pleasure to talk to him.”
    Tom Ronan, MT
    “Adam ** was straight A's with his assistance. Made my decision process so easy going with Choice warranty. Would recommend to anyone when making a choice. Looking forward to using Choice and relieving the fear of expensive costs. Knowledgeable and courteous people like Adam **, it was a no-brainer.”
    Jerry Belgrade, MT
    Best for roof coverage

    Select Home Warranty

    Select Home Warranty
    3.6
    15,983 reviews
    Plans available
    Bronze Care, Gold Care and Platinum Care
    Service fees
    $75 to $100
    Starting costs
    $60.42
    Labor guarantee
    180 days
    Get a Quote Read Reviews

    Select Home Warranty earns its spot for Montana homeowners who want peace of mind about roof leaks, especially after heavy winter snow or spring melt. The company receives excellent reviews for its roof coverage add-on, which is easy to add to any plan and often comes with discounts.

    Select’s flexibility in approving local repair companies is also a plus for those living in Montana’s smaller towns.

    What to consider: Appliance coverage limits are lower with Select than with other providers, and base plans tend to be more expensive.

    Pros
    • Unlimited number of repairs on covered items
    • Roof coverage available
    • Frequent discounts
    • Claims service available 24/7
    Cons
    • Expensive base plans
    • Low appliance coverage cap

    Select Home Warranty offers three plans with prices that can be lowered by paying annually instead of monthly.

    • Optional add-ons
      • Sump pump: $3.33
      • Well pump: $3.33
      • Stand-alone freezer: $3.33
      • Central vacuum: $3.33
      • Septic system: $5.83
      • Sprinkler system: $5.83
    • Discounts: Two months free if paid annually
    Reviewers in Montana like that Select offers competitive pricing and discounts, with one noting it’s easy to get repairs approved even in smaller towns. However, we also heard a report of difficulty finding a contractor after filing a claim.
    “Select Home Warranty not only gave me a discount for renewing, but discounted further due to our employment situation and though we live in small town with few participants, it's easy to get approval for the repair company of my choice!”
    Wendi Sidney, MT
    “The person assisting me on the phone was helpful and quick to get me set up with a plan; however, they really try push multiple year plans. It was the best price I found online for the amount of coverage I will receive.”
    Anicka Missoula, MT
    1x Award Winner
    Selected for having one of the highest satisfaction rates for Best Overall Value
    Best claims handling

    Regency Total Warranty

    Regency Total Warranty
    4.1
    1,012 reviews
    Plans available
    EssentialGuard and TotalGuard
    Service fees
    $60 to $100
    Starting costs
    $44.99
    Labor guarantee
    Unclear
    Read Reviews

    Regency Total Warranty is known for making the claims process as simple as possible, which is a major benefit when you’re facing unexpected breakdowns.

    Regency’s combo plans let you protect both systems and appliances with one contract, avoiding coverage gaps. The streamlined approach is especially useful for Montana residents who want quick, hassle-free help when something breaks.

    What to consider: Regency is a newer company, established in 2024, so it doesn’t have a long-term reputation.

    Pros
    • Both plans cover systems and appliances
    • Reasonable starting costs
    Cons
    • No electronics plan
    • Some water heater exclusions

    Regency’s two plans offer different degrees of coverage for your home’s systems and appliances. Costs start at $39.99 per month, with a potential savings of $50 per year if you pay annually.

    • EssentialGuard: Covers three home systems and 10 appliances. Starts at $39.99 monthly or $429.99 annually.
    • TotalGuard: Covers five home systems and 14 appliances. Starts at $45.83 per month ($499.99 per year).

    Add-ons and discounts

    • Optional add-ons
      • Pools and spas
      • Well pumps
      • Sump pumps
      • Central vacuums
      • Limited roof leaks
      • Septic systems
      • Second refrigerators
      • Stand-alone freezers
      • Septic tank plumbing
    • Discounts: Seasonal promotions; limited roof leak protection

    Only a couple of customers from Montana have reviewed Regency on ConsumerAffairs in the last year. Both point to successful claims (one for a repair and one for a replacement).

    “I am quite happy with the total service. I communicated with the Regency Total Warranty claim department. Everything was too smooth and quick. All questions received prompt responses. There were rapid updates and reminders of the technical person's visit.”
    Mary Arab, MT
    “With recent troubles with my pool salt cell, which is covered by Regency Total Warranty, they sought to find a solution to assist me resolve the issue by enabling me to replace the salt cell and is now in the process of reimbursing me for the part. This saved me a lot of money, and I now have a functional pool.”
    Connie Hardin, MT
    Best for quick service

    Cinch Home Services

    Cinch Home Services
    4.1
    12,242 reviews
    Plans available
    Appliances, Built-in Systems and Complete Home
    Service fees
    $100, $125 or $150
    Starting costs
    $38.99
    Labor guarantee
    180 days
    Get a Quote Read Reviews

    Cinch Home Services is ideal for Montana homeowners who want fast action when a problem strikes. The company’s 180-day workmanship guarantee is one of the strongest in the business, and its quick turnaround — reps typically assign a contractor within two hours — can make all the difference in an emergency.

    We also like that Cinch has three service fee options. You can reduce your monthly premium if you’re willing to pay more each time you file a claim.

    What to consider: Cinch has fewer add-on options than other providers and does not offer roof leak coverage as an add-on.

    Pros
    • Low starting costs
    • Three service fee options
    • 180-day workmanship guarantee
    • Covers unknown preexisting conditions
    • Quick response times
    Cons
    • Few add-on options

    Cinch offers three plan types — appliance-only, systems-only or a complete combo plan — all with varying monthly costs. Choosing a lower deductible increases your monthly premium. Water sensors to alert you to leaks are included with every plan.

    • Optional add-ons
      • Septic tank and pumping: $4.58
      • Well pump: $12.50
      • Premier upgrade package: $12.50
      • Pool and spa (heater included): $22
    • Discounts: First month free in some cases

    We’ve only heard from one Cinch customer from Montana in the past year, but they reported a positive experience.

    “Doing claims with Cinch is way easier than I thought it was gonna be. … I get my HVAC system tuned up in the spring for summer and in the fall for winter. Instead of calling the company I normally do, I reached out to Cinch, asked them if they do it as part of the home warranty and they said yes. They got somebody out here who was very pleasant. He billed Cinch and it was a piece of cake.”
    Priscilla Billings, MT
    2x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service and Best Overall Process
    Best home warranty companies by city

    Home Warranties in Montana Buyers Guide

    Jump into our guides and start learning

    In this guide

    Top Picks

    See who reviewers like

    Choice Home Warranty logo
    Select Home Warranty logo
    Regency Total Warranty logo
    See our top picks

    Simplify your search

    Compare plans tailored to your home & budget.

      Montana’s cold winters and rural housing put extra stress on heating, plumbing and well systems. A home warranty can reduce the high costs of repairs in remote areas where service is limited. For those living outside Montana’s city centers, reliable warranty coverage can mean the difference between a quick fix and days of discomfort.

      Key insights

      In Montana, prioritize heating, plumbing and well coverage for rural and cold-weather needs.

      Jump to insight

      Montana home warranty plans cost $35 to $90 per month on average. Your rate depends on the coverage level, your service fee and any add-ons.

      Jump to insight

      Home warranties typically exclude preexisting issues, cosmetic damage, improper installation, poor maintenance and problems caused by natural disasters.

      Jump to insight

      How to choose a home warranty in Montana

      To find the right home warranty in Montana, start by deciding which systems and appliances you need protected. Comparing plan details, add-on options and real homeowner reviews will help you select the best fit for your location and lifestyle. Here’s how to find the best plan:

      1. Decide what coverage you need

      Begin with an honest assessment of your home’s age, location and risk factors.

      If your HVAC, plumbing or electrical systems are new, but your appliances are older, an appliance-only plan could be appropriate. If your appliances have existing warranties but you’re concerned about furnace or AC failure, focus on a systems-only plan. Many Montanans opt for combination coverage for broader protection and higher payout ceilings.

      A plan with a high payout for your furnace is essential for the long winters. A company that offers add-ons for your well pump and septic system can also be valuable.

      2. Compare costs

      Don’t just look at the monthly premium. Review the full cost picture, including service call fees and the price of any add-ons you’re interested in. Frequent claims can make a high service fee add up quickly, so factor that into your budget.

      In a large, rural state like Montana, the value of a warranty is not just the repair cost, but the access to a vetted network of technicians. A plan from a provider with a strong service network in your area is worth a higher premium.

      Also, be sure to ask about discounts. Wendi from Sidney told us her provider “not only gave me a discount for renewing, but discounted further due to our employment situation.”

      3. Review sample contracts

      Always check sample contracts online before committing. These documents lay out coverage exclusions, waiting periods, claims procedures and cancellation policies.

      Read the contract's terms for the well pump and septic system add-ons to understand exactly which components are covered. Also, check what happens when the company can’t find a suitable technician in your area.

      4. Read customer reviews

      Hearing directly from other Montana homeowners is one of the best ways to learn about the actual experience with a warranty company. Focus on feedback about technician access and service quality in rural or less-populated areas.

      Look for reviews from other residents of Montana or the Rocky Mountain West. Positive reviews often highlight responsive service and honest claims processing. Negative trends usually focus on claims denials and a lack of local contractors.

      It was Deb from Bigfork’s major complaint: “First time I have used this insurance in 3 years & they can’t find me a repairman???”

      » MORE: Steps to choose a home warranty

      How much does a home warranty cost in Montana?

      A home warranty costs $684 per year, on average, as of June 2025. A Montana home warranty costs between $360 and $1,080 in premiums annually, based on plans from our top picks.

      Cost range by home warranty provider

      Monthly or annual premiums

      Most Montana home warranty companies offer both monthly and annual payment options. Monthly payments make the cost more manageable, while paying for a year upfront may secure a discount.

      Service call fees

      Every time you request service, you’ll pay a flat fee (like a deductible) for a technician’s visit. In Montana, expect these fees to fall between $75 and $150, depending on the plan you choose.

      Add-on coverage

      Customizing your plan with add-ons, such as coverage for a pool or well pump, typically costs $2 to $25 per month extra per item.

      Other home warranty cost factors

      Montana’s unique geography and climate impact warranty pricing:

      • Home size and type: More square footage means more systems and higher premiums.
      • Level of coverage: Basic plans are cheaper, but all-inclusive plans offer more peace of mind.
      • Location: The costs of servicing a large state may impact overall pricing.
      • Discounts: Look for deals on annual or multiyear plans.

      Example: total annual home warranty costs

      • Comprehensive coverage ($65 per month): $780 per year
      • Add-on for well pump ($10 per month): $120 per year
      • Add-on for septic tank ($5 per month): $60 per year
      • Three claims ($100 service fee): $300
      • Total: $1,260 per year

      What does a Montana home warranty cover?

      Montana home warranty plans typically fall into three categories: appliance-only, systems-only or combination plans.

      Appliance plans include essentials like refrigerators, dishwashers, ovens, washers and dryers. Systems coverage protects your heating, plumbing, electrical and water heater.

      Combo plans offer the most extensive coverage for both appliances and systems, and often come with higher coverage caps.

      Many companies also offer optional add-ons for extra coverage. Well pump and septic system add-ons are important in Montana’s rural areas. Roof leak protection is also useful given heavy snowfall and spring melt.

      » MORE: How to handle a denied home warranty claim

      How much can you save with a Montana home warranty?

      The cost savings from a home warranty in Montana can be significant — just one major repair can exceed the price of an annual plan. The Consumer Financial Protection Bureau recommends setting aside 1% to 3% of your home’s value for maintenance each year, which is often more than you would spend on a warranty and a few service fees.

      Average repair/replacement costs for covered items

      In a state like Montana, where temperature extremes test HVAC systems and hard water causes wear on water heaters and plumbing, the potential for costly repairs is high. Here's what you'll pay for the most common repairs and replacements in Montana without a home warranty:

      How are home warranties regulated in Montana?

      Home warranties in Montana are regulated by the state’s commissioner of securities and insurance. On the department's website, you can verify the legitimacy of a company’s license, report fraudulent practices, file a complaint or even see if the company has had any legal action against it in the past.

      Montana has very limited laws regarding home warranties. The only law covering home warranty contracts is Title 28 of the Montana code, which only protects residential construction and newly constructed homes and doesn’t refer to home warranty companies.

      For newly constructed homes, builders must provide a statement of all inspections and tests that the general contractor performed upon completion. They must also provide an express warranty that is active for at least one year after the sale of the home.

      According to state laws, they are required to provide a written statement in the warranty that includes contract length, exclusions, and the time frame and method for filing a warranty claim, or it won’t be validated.

      Additionally, there must also be a written disclosure that the general contractor has a current general liability policy and workers' compensation coverage or is an independent contractor without employees.

      FAQ

      How does a home warranty work?

      A home warranty is a service contract for home systems and appliances. You pay a monthly or yearly fee, plus a service fee for each repair call. When something breaks, you file a claim. The warranty company sends a contractor and pays them to fix it. If it can’t be fixed, the company helps pay for a replacement. Coverage depends on the plan, and limits apply.

      Is a home warranty worth it in Montana?

      A home warranty can be worth it if you want to protect yourself from unexpected repair or replacement costs. For many homeowners, the peace of mind comes from knowing that a major system breakdown or appliance failure won’t result in a large, unplanned bill.

      A home warranty is a very smart purchase in Montana. It provides a predictable way to handle the inevitable and costly repairs of a furnace, well pump or septic system.

      What does a home warranty not cover?

      Most home warranty plans don’t cover preexisting conditions, improper installation, cosmetic damage and appliances still under a manufacturer’s warranty.

      Coverage limits also apply. For example, a contract might only cover up to $2,000 for an HVAC repair. So if the repair costs $3,500 total, you’ll have to pay $1,500 out of pocket.

      A home warranty in Montana will not cover damage to your home or systems caused by wildfire. It also won’t cover outbuildings like barns or workshops.

      Methodology

      The ConsumerAffairs Research Team used a data-backed process informed by expert editorial judgment and verified customer reviews. We started with home warranty companies available in Montana, then evaluated which performed best for local residents.

      We prioritized real customer experiences in Montana but also considered national reviews. Our review evaluation focused on seven satisfaction drivers:

      • Technician quality
      • Customer service
      • Claims handling
      • Punctuality and speed
      • Coverage
      • Value
      • Refunds and payouts

      In addition to reviews, we compared the companies on:

      • Coverage options: We broke down each company’s home warranty plans to ensure they offer multiple coverage options to fit a variety of needs.
      • Plan flexibility: Customizing a plan can tailor it to your needs and help you save money. We checked to see what customization options each company offers, including the ability to select a service fee and the number and cost of add-on coverages.
      • Cost: Costs for home warranty plans vary based on the size of the home and the type of coverage, but we confirmed our top picks’ prices are competitive in the home warranty industry.
      • Service call fee: We looked at the service fee each company charged to send a technician to your house to ensure our top picks are in line with industry standards.
      • Service guarantee: The longer a company guarantees its repairs, the more protection you get if the same issue comes back. We considered how each provider backs its workmanship.
      Guide sources

      ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this guide include:

      1. Commissioner of Securities and Insurance, “Montana Commissioner of Securities and Insurance.” Accessed Sept. 24, 2025.
      2. Montana Legislature, “28-2-2202.” Accessed Sept. 24, 2025.
      3. Montana Legislature, “28-2-2201.” Accessed Sept. 24, 2025.

      Not sure how to choose?

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