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Best Home Warranty Companies In Montana 2024

Montana’s vast landscapes and dramatic weather can test your appliances and systems. This guide explores the Best Home Warranty Companies in Montana, helping you find a plan that safeguards your essential comforts and keeps your Big Sky home running smoothly year-round.

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 | fourhalf_star 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 $29.99 and go up to $79.99 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

$79.99

$99.99

$129.99

Cost at $100 Service Call Fee

$89.99

$109.99

$139.99

ShieldSilver

    • Covers essential systems, including for 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 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

    • Extensive coverage, including 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 and 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 | threehalf_star Excellent
1st 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

$55.87

$660

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 plumbing, electrical, heating, and kitchen & laundry appliances
    • Designed to meet the needs and budgets of homeowners, offering peace of mind and protection for their most valuable asset

Why We Picked It?

Choice Home Warranty has become popular among Missouri homeowners because of its affordable plans and comprehensive coverage. With over 1,650,000 households served and a network of 25,000 contractors, Choice Home Warranty offers reliable and cost-effective home protection.

Best For Customer Services
3.3 | threehalf_star Good
$200 Off + 2 Months Free*

Monthly Cost

$43 - $49

Service Fee

$75

Response Time

48 hours

Pros & Cons

Pros

  • Regular Discounts on all Plans
  • 90-day Guaranteed Service
  • Affordable Pricing

Cons

  • No coverage for system-or-appliance-only plans

Plans, Cost & Coverage

ServicePlus Home Warranty offers Gold and Platinum plans, priced at $43.25/month and $49.92/month, respectively. ServicePlus offers an aggregate coverage limit of $1,500 for covered appliances and systems in a year. 

 

Gold Plan

Platinum Plan

Cost/Month

$37.46

$43.71

Cost/Annum

$349

$424

Gold Plan

    • Gold Plan covers 15 systems and appliances
    • Coverage is offered for the garage door opener, heating, electrical, kitchen appliances, and plumbing
    • Ideal for homeowners seeking diverse coverage at around $40/month affordable

Platinum Plan

    • The Platinum Plan covers 20 household items
    • The plan includes everything in Gold Plan, plus heating/AC, refrigerator, washer, and dryer

Why We Picked It?

ServicePlus Home Warranty offers cost-effective and comprehensive coverage for your home appliances and systems. The company’s plans start at just $2 per day, making it an affordable option for homeowners. They offer a variety of coverage options and quality service. Overall, it is one of the preferred home warranty providers in Montana.

Best For Affordable Coverage
3.8 | threehalf_star 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

  • Extensive contractor’ network
  • Runs regular discounts
  • Same-day response on claims

Cons

  • No payments for access

Plans, Cost & Coverage

Select Home Warranty offers three plans of varied coverage, including optional add-ons. These plans are Bronze Care, Gold Care, and Platinum Care.  Select’s pricing is different for all three of its plans. Bronze Care and Gold Care plans cost $44 monthly, whereas the Platinum Care plan comes at $47 monthly. Select Home Warranty has an aggregate limit of $2000 per system or appliance covered in your 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 eight major household appliances
    • Appliances are the refrigerator, oven, and dishwasher, etc
    • Suitable for Oklahoma residents looking for an appliance repair plan under $45 per month

Gold Plan

    • Covers six important home systems
    • The systems include HVAC, plumbing, water heater, electrical, etc
    • Ideal for homeowners seeking coverage for essential home systems

Platinum Plan

    • Comprehensive coverage plan covering 17 systems and appliances
    • Including systems and appliances from the other two plans with plumbing stoppages, garage door openers, and ceiling fans
    • Best-suited for homeowners looking for comprehensive coverage with a monthly budget of less than $50

Why We Picked It?

Select Home Warranty provides one of the most economical home warranty plans. Your home will automatically receive free roof leak coverage if you have a Select Home Warranty. Additionally, Select can be a good deal for Oklahoman homeowners looking for tornado-proof roofs.

3 | three_star Good

Monthly Cost

$30.99 - $56.99

Service Fee

$100, $125, $150

Response Time

Same day

Pros & Cons

Pros

  • 180-day workmanship guarantee
  • Comprehensive coverage limits
  • 2 months free on single payment

Cons

  • Very high deductibles

Plans, Cost & Coverage

There are three home protection plans that Cinch Home Services offers to its customers- Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The plans start from $38 per month and go up to $66 per month. Cinch’s home warranty contract also has a limit on the claims liability, which is $10,000

Here is a detailed analysis of the cost and plans offered by Cinch Home Services:

 

Appliances Plan

Built-in Systems Plan

Complete Home Plan

Cost at $150 Service Call Fee

$38.99

$43.99

$54.99

Cost at $125 Service Call Fee

$47.32

$52.32

$63.32

Cost at $100 Service Call Fee

$48.99

$55.99

$66.99

Appliances Plan

    • Cover 12 major kitchen and laundry appliances
    • These include washers, dryers, cooktops, ice makes, food centers, etc.
    • Suitable for homeowners looking to protect their appliances from normal wear and tear

Built-in Systems Plan

    • Coverage for 16 home systems
    • These include HVAC, electrical, plumbing, water heater, doorbells, smoke detectors, etc.
    • Ideal for Oklahoma residents seeking protection for their essential home systems under $55 per month

Complete Home Plan

    • Combination of the systems and appliances plans
    • Comprehensive protection for nearly 28 home systems and appliances 
    • Suitable for homeowners looking for comprehensive coverage for systems and appliances

Why We Picked It?

With over 40 years of experience, Cinch Home Services is another leading home warranty company. The majority of other companies only provide warranties of about 30 to 60 days; Cinch offers a 180-day workmanship guarantee that is by far the most comprehensive. Over 40,000 qualified technicians are part of the Cinch network, ensuring prompt services in your Montana home.

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 cost of the home warranty. 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 SystemsHome 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 AppliancesCoverage 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 CoverageHome 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 ConditionsHome 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 MaintenanceNeglecting 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 DamageHome warranties usually do not cover cosmetic issues. This includes 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 that home warranty companies comply with state laws and regulations, protecting consumers from unfair practices and ensuring contract terms and coverage transparency. Homeowners can contact them 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?

A.

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?

A.

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?

A.

Home warranty companies typically don’t include coverage for appliances damaged by natural disasters. Instead, their coverage usually 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?

A.

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.

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