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Montana is home to diverse landscapes and heavy snowfall. Your home’s heating system must be in top shape once winter arrives. A home warranty can give you peace of mind by protecting your HVAC system and other essential home items. Additionally, home warranties connect you with reputable service providers that can typically fix your issue in one visit. We compared the best home warranty companies in the country and selected the top providers in Montana.
The Top 5 Home Warranty Companies in Montana
We reviewed each provider’s plan coverage, costs, service call fees, and service contracts to determine the top Montana home warranty providers. Based on our research, they consist of the following:
- American Home Shield : Best for Comprehensive Coverage
- Liberty Home Guard : Best Add-on Variety
- Select Home Warranty : Best for Cost-Effective Plans
- America’s 1st Choice Home Club : Best Membership Perks
- Cinch Home Services : Best Coverage Variety
The cost data displayed in this article is a national average based on the 120 sample quotes we requested. We used a 2,000-square-foot, single-family home for our quotes. Your cost may vary based on your coverage and home size, type, and location.
Compare Montana’s Top Home Warranty Companies
|Star Rating||Monthly Cost||Service Fee||BBB Rating||Link|
|American Home Shield||$65–$76||$100–$125||B||VISIT SITE|
|Liberty Home Guard||$49-$60||$65–$125||A+||VISIT SITE|
|Select Home Warranty||$44–$48||$65–$75||B-||VISIT SITE|
|First American Home Warranty||$59–$77||$75–$125||B||VISIT SITE|
|American Home Shield|
|Liberty Home Guard|
|Select Home Warranty|
American Home Shield
Get a quick quote: Visit American Home Shield’s site
Read more: American Home Shield Review
Liberty Home Guard
Get a quick quote: Visit Liberty Home Guard’s site
Read more: Liberty Home Guard Review
Select Home Warranty
Get a quick quote: Visit Select Home Warranty’s site
Read more: Select Home Warranty Review
America’s 1st Choice Home Club
Get a quick quote: Visit America’s 1st Choice Home Club’s site
Read more: America’s 1st Choice Home Club Review
Cinch Home Services
Get a quick quote: Visit Cinch Home Services’ site
Read more: Cinch Home Services Review
Home Warranty Regulations in Montana
Montana currently doesn’t have a clear governmental body that regulates home warranties. However, the state’s Office of Consumer Protection (OCP) provides resources if you believe your home warranty company isn’t keeping your best interests in mind. You can file a complaint with the OCP or read consumer tips within its educational section.
You can use the state’s Commissioner of Securities and Insurance database to look up a provider’s business license. The database allows you to see if a company is licensed and reputable.
In addition, industry associations such as the National Home Service Contract Association (NHSCA) oversee home warranty providers. The NHSCA is a nonprofit industry organization that oversees member companies. Member companies must follow established business practices centered on the consumer’s best interests.
How to File a Home Warranty Claim
When a covered home system or appliance breaks down, you must file a claim before your home warranty will fix it. Most providers follow general practices to receive and process claims. For example, most companies provide self-service online portals or phone numbers for customers to request service. Here are the steps to file a claim:
- Read your sample contract: Determine if your provider covers your major system or appliance breakdown.
- Have documentation ready: Some providers ask for proof of maintenance records for your broken home appliance or system.
- Contact your provider: Use your company’s provided claim filing method. Some providers offer a mobile app where you can file a claim. If you contact them by phone, note who you speak with and the time.
- Pay your service call fee: Your provider usually requests a service fee payment after you file your claim. It won’t send a service technician to your home until you pay the fee.
Whether you purchased a new home in Montana or already own one in the Treasure State, a home warranty helps reduce the chances of dealing with an inconvenient breakdown. We chose American Home Shield as our top pick because of its flexible service call fees and generous coverage limits. Liberty Home Guard is another excellent choice due to its extensive list of additional coverage options. Select Home Warranty is our final recommendation since it provides a $3,000 coverage cap for HVAC systems.
Before signing up, we recommend requesting three quotes from different providers to compare coverage options and costs.
Montana Home Warranty Companies FAQ
Who do I contact if my state doesn’t have a clear regulatory body for home warranties?
The Attorney General’s Office is the best entity to contact if your state doesn’t have a clear regulatory body for home warranties. The Attorney General’s Office and consumer protection offices handle complaints and take the necessary steps to regulate noncompliant companies. In addition, the National Home Service Contract Association forwards complaints to the appropriate third party.
Are home warranties worth the cost in Montana?
Each situation is different. A home warranty is worth the investment for someone who can’t afford an expensive appliance or home system repair. A home warranty could save you hundreds or even thousands of dollars in home repairs depending on what items break down and what your coverage is.
How long do home warranties guarantee their work?
Home warranties typically guarantee their work for 30 days after the repair or replacement of your covered item. Some companies, such as AFC Home Club, guarantee their work for the length of your plan.
What is a home warranty coverage cap?
A home warranty coverage cap is the dollar amount a provider is willing to cover for a home item breakdown. Some providers cap coverage collectively, which means every item breakdown is subject to a set coverage cap (such as $5,000 per year) for the policy period. Other providers cap coverage per home system or appliance.
How We Chose the Top Home Warranty Providers
Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on our analysis of customer reviews and interviews with industry experts. Our in-depth methodology outlines our review process to provide transparent information about the companies we review.
We determined that the following factors are the most important when comparing home warranty companies: available plans, plan coverage, price range, industry reputation, customer support, and additional features. Our research supported that plan coverage, customer service, and industry reputation should carry the most weight. While important, the other factors should not have as much influence when choosing a home warranty provider.