Best Home Warranty Companies In Montana 2024

Our Picks: 5 Best Home Warranty Companies For Montana Residents

We have picked and reviewed the top five providers in the state so you can easily choose the best home warranty in Montana to protect your home!

The Industry Leader

4.5 |

Excellent

Monthly Cost

$29 - $89

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

50+ years of experience
Covers unknown pre-existing conditions
Contractor network of 15,000 licensed professionals

Cons

Higher deductibles

Plans, Cost & Coverage

AHS offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. The plans start from $59.99 and go up to $99.99 per month. There are two options for the deductibles– $100 and $125. Moreover, the coverage caps on appliances and systems are up to $4,000 and $5,000, respectively.

Take a look at the table below to learn more about the plans and pricing:

	ShieldSilver	ShieldGold	ShieldPlatinum
Cost at $125 Service Call Fee	$59.99	$59.99	$89.99
Cost at $100 Service Call Fee	$69.99	$69.99	$99.99

ShieldSilver

It covers 14 essential systems, including AC, heating, electrical, plumbing, doorbells, faucets, ductwork, etc.
Generous coverage for ACs, heating, and ductwork, up to $5000 per item
Suitable for Montana homeowners wanting to protect their home systems

ShieldGold

Covers 23 essential systems with kitchen and laundry appliances
Medium coverage for appliances, up to $2,000
Ideal for homeowners looking for a moderate coverage plan

ShieldPlatinum

This comprehensive plan includes everything from the other two plans, plus protection against roof leaks
Maximum coverage for appliances, up to $4000
Best-suited to homeowners seeking extensive coverage plans

Why We Picked It?

American Home Shield is a well-established company with decades of experience trusted by 2 million homeowners. With round-the-clock customer support, homeowners can get timely assistance whenever needed. AHS has a vast network of 17,000 skilled service technicians who can quickly address repair needs, ensuring prompt and reliable service whenever issues arise.

Best For Comprehensive Plans

3.7 |

Excellent

1^st month free + Free roof coverage

Monthly Cost

$47 - $55

Service Fee

$75 - $125

Response Time

Up to 48 hours

Pros & Cons

Pros

90-day parts protection guarantee
Discounts on multi-year plans
Free roof leaks coverage

Cons

Lower coverage limits

Plans, Cost & Coverage

Choice offers two plans: Basic Plan and Total Plan, starting at $46 per month. A service call fee of $75 to $125 is applied each time you request service. Moreover, for access, diagnosis, and repair, CHW provides a coverage limit of up to $3,000 per contract term.

Here’s how much the company charges for each of its plans:

Plans	Monthly	Yearly
Basic Plan	$46.83	$532
Total Plan	$54.87	$627

Basic Plan

Includes major systems and appliances
Protection available for 14 items, including heating, electrical, plumbing, and kitchen appliances
Suitable for people wanting medium coverage

Total Plan

Provides a broader coverage for a total of 18 items
Coverage available for everything from the Basic plan with laundry appliances
Offers protection for your most valuable assets

Why We Picked It?

Choice Home Warranty offers extensive coverage for many home systems and appliances, protecting you from unexpected repair or replacement costs. The company offers a straightforward claims process, making it easy for homeowners to file claims and receive prompt reimbursement or repair services.

Best For Customer Services

3.3 |

Good

$200 Off + 2 Months Free*

Monthly Cost

$43 - $49

Service Fee

$75

Response Time

48 hours

Pros & Cons

Pros

Offering up to 50% off on all the plans
90-day guaranteed service
Plans starting from less than $2/day

Cons

Lesser coverage caps

Plans, Cost & Coverage

ServicePlus Home Warranty provides two plans– Gold Plan and Platinum Plan. The plans are priced at $37/month and $43/month, respectively. SPHW offers an aggregate coverage limit of $1,500 for covered home items per contract term.

Let’s find out more about SPHW plans and costs.

	Gold Plan	Platinum Plan
Cost/Month	$37.46	$43.71
Cost/Annum	$349	$424

Gold Plan

Covers 15 systems and appliances
These include heating, electrical, plumbing, and kitchen appliances
Considerable for Montana homeowners looking for medium coverage under $40 per month

Platinum Plan

Covers 20 household items
Includes everything from the Gold Plan, plus heating/AC, refrigerator, washer, and dryer
Ideal for homeowners seeking maximum coverage plan

Why We Picked It?

Purchasing a ServicePlus Home Warranty can offer peace of mind and financial protection against unexpected repair costs for your home systems and appliances. Their comprehensive coverage plans are tailored to suit your needs and budget, providing affordable solutions for Montana homeowners.

Best For Affordable Coverage

3.8 |

Excellent

$150 off + Free roof coverage + 2 months free

Monthly Cost

$44 - $47

Service Fee

$60 - $75

Response Time

12 - 48 hours

Pros & Cons

Pros

Offers discounts on multi-year plans
2 months free on single payments
Same-day response on claims

Cons

Lower dollar limits for appliances

Plans, Cost & Coverage

Select Home Warranty offers three plans– Bronze Care, Gold Care, and Platinum Care. The monthly plans start from $44 and go up to $47. The company has a limit of $2000 per covered item throughout the contract.

Here is a breakdown of SHW’s costs and plans:

	Bronze Care	Gold Care	Platinum Care
Cost/Month	$44.42	$44.42	$47.75
Cost/Annum	$479.99	$479.99	$524.99

Bronze Plan

Covers up to 8 household appliances
The plan includes kitchen appliances, such as refrigerator, oven, and dishwasher, etc
Ideal for individuals seeking protection exclusively for their appliances

Gold Plan

Covers up to 6 home systems
The plan includes HVAC, plumbing, water heater, electrical, etc
Ideal for homeowners seeking protection for systems exclusively

Platinum Plan

Comprehensive coverage plan with 18 systems and appliances
Including everything from the other two plans with plumbing stoppages, garage door openers, and ceiling fans
Best-suited for homeowners looking for comprehensive coverage under $50/month

Why We Picked It?

With Select, you enjoy personalized plans designed to match your precise requirements and financial constraints, guaranteeing that you solely invest in the necessary coverage. Select Home Warranty offers cost-effective home warranty options, including complimentary roof leak coverage for all Select Home Warranty customers.

Highly Rated By Customers

4.7 |

Excellent

$150 Off + 2 Months Free

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

Pros & Cons

Pros

Offers an option to choose $0 service fees
Provides a 90-day service guarantee
A+ Ratings by BBB

Cons

No proper details on premiums

Plans, Cost & Coverage

Elite Home Warranty provides three plans to homeowners: Elite Appliances, Elite Systems, and Elite Complete. The premiums start from $44 monthly. Moreover, the systems and appliances are covered up to $8,000 and $7,000 per contract term, respectively.

Take a look at the table below to learn more about the plans and pricing details of EHW:

	Elite Appliances	Elite Systems	Elite Complete
Cost at $70 Service Call Fee	$44.99	$49.99	$59.99

Elite Appliances

Covers 8 essential appliances, such as refrigerators, dishwashers, garbage disposals, etc
Appliances under this plan are protected up to $7,000 throughout the contract
Suitable for Montana homeowners wanting appliance coverage under $45 per month

Elite Systems

Covers 7 home systems, like AC, electrical, plumbing, water heater, etc
Systems under this plan are covered for up to $8,000
Ideal for homeowners seeking home warranty coverage for systems

Elite Complete

This is a comprehensive plan covering everything from the other two plans
The plan protects various systems and appliances in your Montana home
Suitable for Montana homeowners wanting home warranty protection under $60 per month

Why We Picked It?

Elite Home Warranty provides extensive coverage for various home systems and appliances, starting at $44 per month, offering peace of mind. Whether you need home appliances, systems, or both, EHW ensures comprehensive protection and efficient resolutions.

Is Home Warranty Plans Beneficial For Montana Homeowners?

We have listed the top five reasons below why you, as a Montana resident, should consider a home warranty. Check them out:

Montana's diverse climate poses unique challenges to homeowners. Harsh winters bring freezing temperatures, heavy snowfall, and ice storms, which can affect home systems and appliances.
The state's rural nature means that repair services may not always be readily available, leading to extended wait times and higher repair costs.
Due to the cold climate, Montana residents rely heavily on heating systems, water heaters, and other appliances, increasing the likelihood of breakdowns.
Older homes in Montana may have outdated or worn-out systems and appliances, making them more prone to malfunctions and failures.
In such a scenario, having a home warranty can be invaluable, offering timely repairs and replacements without breaking the bank.

How Much Does a Montana Home Warranty Cost?

The total cost of your Montana home warranty will depend on several factors. We have discussed them below in detail. Let’s find out.

Average Annual Cost

$300 - $700

Average Monthly Cost

$29.99 - $89.99

Average Service Fee (Deductible)

$60-$125

Factors Influencing The Cost Of The Home Warranty

Coverage options: The level of coverage selected by the homeowner can impact the home warranty cost. For instance, as a Montana homeowner, if you require comprehensive coverage for all of your heating systems and appliances.
Location: The specific region within Montana can influence the cost, with factors such as proximity to repair services, local climate conditions, and availability of contractors affecting pricing. Repair prices in Glasgow may be different than in Flathead Lake.
Home’s condition: The size and age of the home play a significant role in determining the cost of a home warranty. If you have an older home or larger property, you may require more extensive coverage, resulting in higher premiums.

Home Warranty Coverage In Montana

Before purchasing a home warranty in Montana, you must understand the offered coverage in detail.

General Coverage Of Montana Home Warranty

Essential Home Systems Home warranties in Montana typically cover major systems such as heating, electrical, plumbing, and air conditioning. These systems are crucial for maintaining comfort and safety, especially during the state’s cold winters.
Kitchen Appliances Coverage often extends to kitchen appliances like refrigerators, stoves, ovens, dishwashers, and built-in microwaves. Given the heavy reliance on these appliances daily, having coverage can alleviate the financial burden of unexpected breakdowns.
Optional Coverage Home warranty providers offer optional coverage for additional items such as pool and spa equipment, well pumps, and septic systems. These add-ons can benefit homeowners with specific needs or amenities on their property.

Common Exclusions

Pre-Existing Conditions Home warranty companies in Montana typically do not cover pre-existing conditions, meaning issues that existed before the coverage began. It’s essential for homeowners to thoroughly inspect their property before purchasing a home warranty to avoid disputes over pre-existing issues.
Improper Maintenance Neglecting routine maintenance or failing to properly care for home systems and appliances can void warranty coverage. Homeowners usually must perform regular maintenance, such as cleaning filters and servicing HVAC systems, to keep coverage valid.
Cosmetic Damage Home warranties usually do not cover cosmetic issues, including scratches, dents, and minor, aesthetic defects that do not impact the appliance’s performance.

Here Are Some Additional Points To Consider

Contractor NetworkWhen choosing a home warranty provider in Montana, consider the size and quality of their contractor network. A provider with a vast network of skilled and licensed contractors throughout the state can ensure timely and reliable service, regardless of your location.
Cost vs. CoverageWhile cost is an important factor, it’s essential to consider the level of coverage provided by each home warranty plan. Compare different plans’ coverage limits, deductibles, and service fees to determine which option offers the best value for your needs and budget.

Who regulates Home Warranty Companies In Montana?

As per the sources, Montana has no clear guidelines for home warranty regulation. However, the Consumer Protection Bureau oversees service contract regulation, including home warranties.

Consumer Protection Bureau: The Bureau ensures home warranty companies comply with state laws and regulations and protects consumers from unfair practices. It also ensures transparency in contract and coverage terms. Homeowners can contact it for assistance with complaints or inquiries about home warranty companies operating in Montana.

Final Word

In Montana, where the rugged landscape meets the comforts of home, having a reliable home warranty is essential. From sudden furnace failures to malfunctioning kitchen appliances, unexpected repair costs can quickly add up. Montana homeowners can safeguard their essential home items and enjoy peace of mind by investing in a home warranty.

Frequently Asked Questions (FAQs)

What Are The Most Common Appliance Repairs In Montana?

In Montana, where temperatures can drop significantly, common appliance repairs often revolve around heating systems. Furnace and heat pump issues are frequent concerns, especially during the colder months, requiring attention to ensure efficient heating.

Additionally, refrigerators may experience challenges with temperature regulation, influenced by the varying climate in different regions of the state.

Is A Home Warranty Mandatory In Montana?

No, a home warranty is not mandatory in Montana. It is generally optional and depends on the homebuyer’s or seller’s preferences in a real estate transaction.

Do Home Warranty Companies Cover Appliances Damage Caused By Natural Calamities?

Home warranty companies typically don’t include coverage for appliances damaged by natural disasters. Instead, their coverage addresses normal wear and tear issues or mechanical failures. Protection against natural calamities, like floods, earthquakes, or fires, is typically handled by home insurance companies.

Are There Other Home Warranty Companies That Montana Homeowners Can Consider?

AFC Home Club and 2-10 Home Buyers Warranty are some home warranty companies that Montana citizens can consider apart from the ones mentioned above.