A Montana home warranty protects major systems and appliances, like your water heater, air conditioning, and refrigerator, when they break down from regular use and prevents you from paying expensive repair and replacement costs. Instead of paying for repairs out of pocket and finding a local contractor yourself, a home warranty provider will handle all of that for you in exchange for a premium and modest service fee.
The This Old House Reviews Team is here to give you our unbiased opinion on your options for the best home home warranty companies in the Treasure State. Whether you live in Great Falls or Helena, keep reading to determine which home warranty provider is best for you and your home.
Montana’s Top 3 Home Warranty Companies
The highest rated home warranty companies in Montana include:
- American Home Shield (AHS): Best Overall
- Choice Home Warranty: Best Service
- Home Service Club: Quickest Coverage
To determine which Montana home warranty plans are the best of the best, our team compared plans, pricing, benefits, drawbacks, and more.
1. American Home Shield
American Home Shield (AHS) is our top Montana home warranty company for its comprehensive coverage, years of industry experience, and flexible deductibles.
Pros and Cons of American Home Shield
|Provides coverage in 49 states, excluding Alaska||Has a limited repair guarantee of 30 days|
|Doesn’t require a home inspection before coverage begins||Doesn’t offer protection for items covered by a manufacturer’s warranty|
|Has a claims center open 24 hours a day, 365 days a year|
American Home Shield offers three plans—the ShieldSilver™, ShieldGold™, and ShieldPlatinum™—that range between $40–$58 per month, on average. Because pricing will depend on where you live, the type of plan you choose, and the service fee you select, we recommend requesting a free quote from AHS before signing up for a plan.
2. Choice Home Warranty
Choice Home Warranty (CHW) has just over 10 years of home warranty industry experience and is known for its straightforward plans, affordable pricing, and after-hours customer service.
Pros and Cons of Choice Home Warranty
|Offers a 90-day repair guarantee||Has limited coverage customization|
|Has an add-on option for roof leaks||Doesn’t allow customers to choose their own service contractor|
|Provides 24/7 customer service|
Choice Home Warranty offers two plans—a Basic Plan and Total Plan—that range between $37–$44 per month. In addition to paying this premium, customers will pay between $60–$85 for every service request.
3. The Home Service Club
The Home Service Club (HSC) has 11 years of experience and is known for its immediate coverage.
Pros and Cons of Home Service Club
|Provides a 30-day labor guarantee and 90-day parts guarantee||Premiums and service fees are on the higher end of the average home warranty cost|
|Has one of the shortest waiting periods (10 days) of any home warranty provider||There have been some complaints about poor customer service|
|Provides coverage on all items regardless of age, make, or model|
The Home Service Club offers two plans—Standard Coverage and Comprehensive Coverage—that cost between $46–$61 per month. Though the average HSC customer pays $95 per service call, service fees can go as low as $65 and as high as $125.
American Home Shield, Choice Home Warranty, and The Home Service Club are some of the best home warranty companies for Montana residents, providing customizability, affordability, and unique coverage. Before buying a home warranty, we recommend getting quotes from all three providers to compare pricing.
Frequently Asked Questions about Montana Home Warranties
What is the difference between homeowners insurance and home warranty?
Homeowners insurance is required and protects your home and its items from damage during accidents, such as fires, floods, and thefts. A home warranty is optional and protects systems and appliances that break down due to normal wear and tear.
Who can buy a Montana home warranty?
Real estate agents, home sellers, first-time home buyers, and seasoned homeowners can purchase a home warranty plan. For home buyers and homeowners, a home warranty can save you time and money when a home system or appliance breaks down. Home sellers and real estate agents can benefit from one by including a plan in the closing process and enticing potential buyers to close.
What is the best home warranty in Montana?
We recommend American Home Shield for Montana homeowners because of its customizability and years of experience providing coverage to homeowners all across the United States.
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