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  • Written by
    Jessica Hurtault
  • Fact Checked
  • Updated

Montana is the fourth-biggest state, and its varied terrain includes mountains, canyons, and grasslands. With such a varied climate and expansive area, owning a home in Montana can have its challenges. From strong winds to below-freezing temperatures, keeping your home appliances and systems in working order is important.

A home warranty provides peace of mind in the event that a system (like your heating) breaks down. We've researched and found the best home warranty providers in Bozeman, Montana.

Best Customer Ratings
Liberty Home Guard logo
4.5/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process
Best for Comprehensive Coverage
American Home Shield logo
4.4/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems
Best Value
Select Home Warranty logo
4.3/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

6 Best Home Warranty Companies in Bozeman

Brands are algorithmically curated from a database of local service providers near you. We require a minimum number of Google reviews and average ratings for provider inclusion.

Featured Partner
American Home Shield Logo
Best for Comprehensive Coverage

American Home Shield

4.4/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems

Cons

  • Doesn’t let customers choose their own technician
  • Offers limited add-on options

52 Years in Business

BBB Rating:B

Featured Partner
Liberty Home Guard Logo
Best Customer Ratings

Liberty Home Guard

4.5/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process

Cons

  • Lacks transparency on service call fee pricing
  • Excludes coverage for known or unknown pre-existing conditions

6 Years in Business

BBB Rating:A+

Featured Partner
Select Home Warranty Logo
Best Value

Select Home Warranty

4.3/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

Cons

  • Has a $75 cancellation fee
  • Low coverage caps

11 Years in Business

BBB Rating:B-

Featured Partner
AFC Home Warranty Logo
Best for Customization

AFC Home Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides an unlimited workmanship guarantee
  • Offers generous appliance coverage limits
  • Allows you to choose your own contractor

Cons

  • Limits coverage limits for older items based on depreciated value
  • Requires you to file a claim immediately after discovering an issue

14 Years in Business

BBB Rating:B

Featured Partner
First American Home Warranty Logo
Best Appliance Coverage

First American Home Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Allows you to choose your service call fee
  • Doesn’t have a coverage cap on heating, cooling, or ductwork
  • Accepts 24/7 service calls
  • Offers replacement of some covered items that are too damaged to repair

Cons

  • Doesn’t let customers choose their own contractor
  • Charges higher for coverage compared to other providers

39 Years in Business

BBB Rating:B

Featured Partner
Cinch Home Services Logo
Best Additional Perks

Cinch Home Services

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers home insurance deductible of $500
  • Extends a long 180-day workmanship guarantee
  • Provides generous $10,000 aggregate coverage limit

Cons

  • Charges high service fees of $75-$150
  • Doesn’t allow customers to choose their own technician
  • Isn’t available in Hawaii or Alaska

45 Years in Business

BBB Rating:B

BBB ratings are accurate as of August 2023. Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.

Facts about Bozeman

  • Average Max Temperature:
    49°F
  • Average Min Temperature:
    33°F
  • Average Annual Snowfall:
    56.8”
  • Homeownership Rate:
    61%
  • Median Home Size:
    2,138 sqft
  • Median Home Price:
    $715,565

Are Home Warranties Worth It for Bozeman Residents?

Home warranties are beneficial for Bozeman residents. Bozeman summers are fairly mild, but it's still important that your air conditioner works well. However, over time this system can malfunction due to breakdowns from regular wear and tear.

Bozeman winters can be freezing, which means you rely heavily on your heating system. HVAC system replacement can cost anywhere from $2,500–$8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we received from home warranty companies nationwide.

Even Bozeman's irregular rain can affect your roof. Some home warranty providers offer limited roof-leak coverage to financially assist with repair.

Finally, home warranties connect you with reliable technicians. When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs. Reputable home warranty companies vet all their service providers.

What To Consider Before Choosing a Home Warranty Company

Think about these important factors when determining the right home warranty plan for you.

Cost

After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost approximately $53–$62 per month. You'll also pay a service call fee each time you file a claim. Service call fees typically range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before selecting a plan.

Coverage

Figure out which systems and appliances you use most often. Most home warranty plans offer custom coverage tailored to your needs. If you only want coverage for select systems, such as your heating, most providers offer systems-only plans. The same is true if you only need coverage for certain appliances. The following is a list of common systems coverage:

  • Air conditioner
  • Central vacuum
  • Ductwork
  • Electrical
  • Heating
  • Plumbing
  • Water heater
Commonly covered appliances include the following:
  • Built-in microwaves
  • Clothes washers and dryers
  • Dishwashers
  • Garbage disposals
  • Ovens
  • Refrigerators
  • Stovetops
Providers' coverage limits are also important. Our research shows that providers with higher coverage limits usually charge higher premiums. However, these providers may still be the right choice for homes with older systems or appliances.

Exclusions

Generally, home warranties only cover normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, cosmetic issues or appliance components, theft, defects, or routine maintenance are also not covered. You can read about your provider's limitations and exclusions within your service contract. Read carefully to ensure you understand your plan's terms and conditions.

Provider Reputation

Consider a company's reputation when making a decision. You can also read real customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. These reviews can give you a sense of how providers handle claims and customer service. Check with the Montana Office of Consumer Protection to verify that a provider holds a valid state license.

Contractor Network

Take into account a home warranty company's service provider network. Reputable home warranty companies source licensed and registered contractors to handle service requests. We suggest asking a provider where and how it sources technicians. If you can, use a provider that mentions the names of familiar service contractors. Rural homeowners might consider home warranties that allow the customer to choose their technician. It's important to have the option to source your own provider if no in-network ones are available in your area.

Frequently Asked Questions about Home Warranty in Bozeman

More Home Warranty Resources

Sources

To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.

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