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
| Company | Customer rating | Starting costs | Service fee | Covered systems | Covered appliances | Available plans | Roof leak coverage? | |
|---|---|---|---|---|---|---|---|---|
 | 4.0
67,417 reviews
67,417 reviews
| $46.83 | $100 | 9 | 8 | 2 | Add-on | Get a Quote |
 | 3.8
105,096 reviews
105,096 reviews
| $29.99 | $100 or $125 | 14 | 9 | 3 | Add-on | Get a Quote |
 | 2.3
1,921 reviews
1,921 reviews
| $3.99 | $0 | 8 | 8 | 17 | No | Learn more |
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.
Jump into our guides and start learning
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.
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.
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.
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?
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
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:
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:
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Offers system, appliance and combination home warranty plans. Service fees start at $100. Monthly fees range from $34.99 to $61.99. All work backed by a 180-day guarantee. Not available in all states.
Offers two plans with basic or comprehensive coverage. Plans start at $46.67 per month with an $85 service call fee. Optional coverage for limited roof leaks, pools and spas available. Make a claim online 24/7.
Three home warranty plans in 48 states. Unavailable in Alaska or Hawaii. Plans start at $29.99/month with a $125 service fee. No coverage limits on systems; up to $6,000 on appliances.
Flexible and affordable plans for home systems and appliances. Add-on coverage for water/sewer and electronics. 15,000+ local licensed technicians serve nationwide. File a claim and request service 24/7/365 online or by phone.
Coverage starts at $1 a day. Customizable plans. Extensive technician network. Additional property discounts. Set per-claim fees. 60-day workmanship guarantee. Offers month-to-month coverage and longer-term plans.
Provides appliance and systems warranty coverage. Available throughout the U.S. Customizable plans. Submit claims online or by phone anytime. Technicians arrive in 24 to 48 hours. Portable warranty plans.
Customizes home warranty plans in most states. Plans start 20 days after signing. Offers ability to choose own licensed service technician. Can submit claims via phone or online. Does not cover roof leaks.
Offers one base plan with coverage for appliances and systems. Additional coverage options available. Three-year contract. Typical $36 to $65 service fee. Unlimited claims for covered repairs. No online claim portal.
Appliance, system and combination plans available. Plans start at around $45 a month. Roof coverage included for some plans. Special promotions include free extra months on your contract and annual pay discounts.
A la carte options for customized coverage. Local, licensed technicians complete repairs. Guarantees repairs for one year. 24/7 claims hotline. Appliance coverage is available. Plans start at $7.99 a month.
Available in 47 states and Washington, D.C. Guarantees repairs for duration of contract. Covers up to 18 systems and appliances, including electronics like smartphones. Low coverage caps on some systems and appliances.
Three base home warranty plans for appliances and systems. 12-month contract term. Licensed and insured technicians. 30-day waiting period before coverage starts. Older appliances covered. 90-day workmanship warranty.
