Best Home Warranties in Montana

We compared 12 companies and chose the top home warranty providers

    • Choice Home Warranty
      3.9(64,754)
    • American Home Shield
      3.9(102,866)
    • HomeServe
      3.0(1,877)

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      Best Home Warranties in Montana

      If you’ve been thinking about getting home warranty coverage in Montana but aren’t sure where to start, we can help. We’ve selected the top home warranty companies in Montana by analyzing customer reviews and ratings and comparing brands on availability, price, coverage and other factors.

      Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us — this does not affect our recommendations or evaluations but may impact the order in which companies appear.

      Our editor’s top picks

      1. Quick service: Choice Home Warranty
      2. Value: American Home Shield
      3. System plans: HomeServe
      Why trust ConsumerAffairs?
      • Our recommendations are based on what reviewers say.
      • 4,536,144 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.

      Compare our top 3 home warranty companies in Montana

      Quick and easy. Find a home warranty partner now.

      3 best home warranty companies in Montana, reviewed

      We’ve talked to thousands of Montana homeowners who invested in home warranty coverage. To choose our top picks for this guide, we compared 26 companies on coverage limits, prices, available plans and other factors.

      Buyer's Choice Award Finalist
      Plans available
      2
      Service fees
      $100
      Starting costs
      $46.83/month

      Choice Home Warranty offers 2 plans specialized to your needs. Depending on what type of coverage you choose, you can expect to pay $49.17 to $57.50 monthly or $532 to $627 annually.

      Choice Home Warranty customers in Montana appreciate the prompt and efficient service provided by the technicians. They also mention the helpfulness and professionalism of the customer service representatives. Some customers mention that they were able to get the best coverage at a good price and appreciate the options and discounts offered.

      Sharon in Great Falls had a good experience filing a claim: “The tech arrived right on time and was very friendly and knowledgeable. He answered all my questions and when he left he assured me he would file my claim. In less than 2 hours I received an email from Choice with an approval and all the info I needed to proceed with getting my stove replaced. I'm very pleased with the entire process.”

      Daniel in Park City said: “The technician was on time and very nice, he got to work and cleaned up the area when he was done. Would recommend Choice home warranty and our technician to anyone. We are very impressed and extremely pleased with the prompt service and friendly technician.”

      A few Montana customers complain about the difficulty in getting technicians to respond and the need for higher reimbursement amounts.

      Vonda in Three Forks had trouble getting her claim processed: “Basically my heater/air conditioning system is shot. When the guy did the inspection and called you guys. You basically picked out the three words he said that you didn’t cover and denied my claim.”

      Buyer's Choice Award Winner
      Plans available
      3
      Service fees
      $100 or $125
      Starting costs
      $29.99/month
      5x Award Winner
      Selected for having one of the highest satisfaction rates for Best Claims Handling, Best Coverage Options, Best Customer Service, Best Technicians and Best Value for Price

      American Home Shield has 3 different plans that cover up to 18 systems and appliances combined. In the event the company has to schedule service at your home for a covered appliance or system, you’ll be charged a service call fee of $100 or $125. It’s available in 48 states (not Alaska, Hawaii or New York City), including Montana.

      Customers in Montana generally appreciate the ease of filing claims online and the responsiveness of the contractors sent by the company. The contractors are described as knowledgeable, professional and helpful. Customers are satisfied with the repairs and replacements provided by American Home Shield, and they feel that the cost of the warranty is worth it for the peace of mind it provides.

      Kayla in Shepherd found the claims process straightforward: “Our air conditioner would force air, but it wouldn’t cool so I filed a claim with AHS through their website. It was pretty easy to use. Everything’s real quick. Right off the bat, it said the contractor should contact us within 24 business hours, and they did. And they said they’d be out the same day, which they were.”

      Erin in Missoula said: “American Home Shield's website was very user-friendly and I was surprised at how quickly the contractor called because it was the day after Christmas. They were out by Friday and they showed up when they said they would. They fixed the over door in 45 minutes and everything is working great now so I was happy with it.”

      Some Montana customers describe issues reaching a representative quickly.

      Julie in Trout Creek complained about long wait times: “Anytime we call, we're at least an hour on hold, sometimes longer. Sometimes if it turns into over an hour, we hang up and call again.”

      Buyer's Choice Award Finalist
      Plans available
      17
      Service fees
      $0
      Starting costs
      $3.99/month

      HomeServe offers 17 home warranty plans. It’s available in 50 states, including Montana. If you opt for combined coverage, up to 16 of your appliances and systems will be covered.

      HomeServe customers in Montana appreciate the promptness and efficiency of the repair teams. They also describe the technicians as courteous, knowledgeable and eager to explain the repairs and relevant information.

      Beverly in Billings had a good experience with HomeServe: “Shower smelled like smoke. Repairman was prompt, called ahead, courteous and proficient in what he does. The repairman and his assistant were both courteous and explained what they were doing and why.”

      Debora in Billings said, “The repair guy was very nice and it fixed the problem. I will use them again if I need them. That is why I pay for this service. It is very nice to have it, It is a good service that you offer.”

      Some Montana customers cite issues such as delays in service, poor communication and denial of coverage for necessary repairs. Ralph in Billings said about his experience with HomeServe and his old water heater, which repeatedly breaks down, “Sometimes it is very hard to get people out to fix it.”

      Do you need a home warranty company in Montana?

      Montana is known for its long, seven-month winters, which bring dozens of feet of snow each year. However, the intensity of the harsh winters can damage systems and appliances, especially your heating system.

      One day without a heating system in the middle of a snowstorm can be dangerous and even deadly, so it's important to choose a home warranty plan that covers HVAC. It’s also a good idea to check reviews to see how long it typically takes for a technician to arrive at your home to ensure you aren't stranded in the cold.

      Service contracts also have coverage caps. This means that home warranty companies will only pay up to a certain amount of repairs and replacements, so it's imperative to consider how much they will actually cover.

      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 worker's compensation coverage or is an independent contractor without employees.

      FAQ

      How much does a home warranty cost?

      While the national average for a home warranty ranges from $450 to $600 per year as of publishing, these costs can vary. Factors like your location in Montana, the specific company and plan you choose and the availability of discounts (like for bundling or purchasing multiple years of coverage) all play a role in the final cost.

      Is a home warranty worth it in Montana?

      A home warranty can give you peace of mind, especially if the cost of unexpected repairs or replacements of major appliances and systems would strain your budget. The decision to purchase this type of coverage depends on factors like your financial situation, the age and condition of your home's appliances and systems and your personal risk tolerance.

      » MORE: Is a home warranty worth it?

      What’s the difference between a home warranty and homeowners insurance?

      Home warranties and home insurance policies are two distinct forms of protection. Homeowners insurance is required by mortgage lenders and covers damage to your home and belongings due to events like fires, storms or theft.

      A home warranty, on the other hand, is optional and covers repairs or replacements for appliances and systems that break down due to normal wear and tear.

      » COMPARE: Home warranty vs. home insurance

      Methodology

      ConsumerAffairs carefully collects in-depth, verified reviews to tell each customer’s experience with a company. We believe customer experiences are a crucial indicator when evaluating companies, so these reviews are a significant factor when selecting our top picks.

      To choose the top home warranty companies in Montana, we started with the 26 popular providers listed in our main home warranty guide. First, we narrowed it down to the ones available in Montana. We then weighted several key features to get our final rankings:

      • Coverage options: We broke down each company’s home warranty plans to ensure they offered 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 by not paying for coverage you don’t need. We checked to see what customization options each company offered, 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 coverage selected, but we confirmed our top picks’ prices were 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 were in line with industry standards.

      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 May 23, 2024.
      2. Montana Legislature, “28-2-2202.” Accessed May 23, 2024.
      3. Montana Legislature, “28-2-2201.” Accessed May 23, 2024

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