Home Warranty Companies in Montana
2026 State Guide
Our data lists 9 of the 15 companies we track as serving Montana. AFC Home Club ranks first among them at 8.2 out of 10. Montana has warmed by about 2.5 degrees F since the early 1900s, more than the contiguous U.S. average, and the first 21 years of this century were the warmest period on record.
Companies Available
9
of 15 tracked
Top 3 Picks From
$39
per month, by plan
Primary Risk
Heat
heating, our reading
Regulator
Montana Commissioner of Securities and Insurance
Service contract law
Montana State Snapshot
Top pick
AFC Home Club
Owner-occupied rate
69.4% (US 65%)
Median home value
$338,100
Primary HVAC risk
Heating (our reading)
Companies listed
9 of 15 tracked
Regulatory body
Montana Commissioner of Securities and Insurance
69.4% of Montana homes are owner-occupied, above the 65% national rate, and the median owner-occupied home is worth $338,100, 11% higher than the national median of $303,400.
Source: Census Bureau QuickFacts for Montana. Census Bureau QuickFacts: housing units are the July 1, 2023 estimate; owner-occupied rate and median value are 2019-2023 American Community Survey 5-year estimates.
In Montana's largest city, Billings, 64.8% of homes are owner-occupied and the median owner-occupied home is worth $343,400.
Source: Census Bureau QuickFacts for Billings, 2020-2024 American Community Survey 5-year estimates (the current QuickFacts release). The state figures above come from an earlier release, so we do not compare the two.
Get a Home Warranty Match
Not sure which company is right for your home? Answer a few quick questions and get a personalized home warranty match in minutes. This is a sponsored partner link, and we may earn a commission.
Climate and Coverage Context
Montana's climate puts heating under strain, in our reading
Montana has warmed by about 2.5 degrees F since the early 1900s, more than the contiguous U.S. average, and the first 21 years of this century were the warmest period on record. Warming has shown up in every season, and very cold days have been below average since 2000, which points to milder winters.
Heating does most of the work here, so check that a plan covers furnaces and boilers and what its HVAC cap is.
Source: NOAA NCEI State Climate Summary for Montana (2022). Which system is under the most strain is our reading of those facts, not a figure from the summary.
Cap Gap Calculator and Company Comparison
Enter a replacement quote from a local HVAC contractor. Each row subtracts the company's highest HVAC cap from it. The starting $8,000 is an example, not a Montana estimate. 9 of 15 tracked companies serve Montana in our data; "Likely" and "Check" rows are not verified for Montana.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | MT |
|---|---|---|---|---|---|---|
| Old Republic Home Protection | ~$45-$80/mo | $6,500/unit | $1,500 | A+ | 8.4 | Check |
| AFC Home Club | $44-$82/mo | No cap | $0 over a per-unit cap (check the aggregate limit) | B | 8.2 | Likely |
| Liberty Home Guard | $49-$79/mo | $2,000/unit | $6,000 | NR | 7.9 | Yes |
| Armadillo Home Warranty | from $39.99/mo | $3,000/unit | $5,000 | NR | 6.9 | Yes |
| HomeServe USA | $3.99-$55.99/mo | Unconfirmed | Cap unconfirmed | A+ | 6.9 | Likely |
| American Home Shield | $29.99-$89.99/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| 2-10 Home Buyers Warranty | ~$35-$70/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| HSA Home Warranty | ~$41-$53/mo | Unconfirmed | Cap unconfirmed | B+ | 6.3 | Check |
| ARW Home | $45.99-$67.99/mo | Unconfirmed | Cap unconfirmed | A | 5.9 | Likely |
| Home Warranty of America | from ~$48.33/mo | $5,000/unit | $3,000 | C/NR | 5.9 | Check |
| Choice Home Warranty | ~$49-$58/mo | $3,000 combined | $5,000 | B | 5.6 | Yes |
| Select Home Warranty | ~$46-$62/mo | Unconfirmed | Cap unconfirmed | B- | 5.6 | Check |
| ServicePlus Home Warranty | ~$41-$50/mo | Unconfirmed | Cap unconfirmed | B | 5.2 | Check |
| Cinch Home Services | ~$28-$62/mo | $1,500 combined | $6,500 | B+ | 5.1 | Yes |
The cap shown is the largest across a company's plans, so a lower plan may pay less. The service fee per claim is extra and is on each review. Caps marked unconfirmed could not be verified in our research; check the contract schedule.
Top 3 Picks for Montana
Highest overall score among companies that serve Montana, leaving out companies we recommend against. How scores work.
Not Available or Unverified in Montana
Our data lists First American Home Warranty as not serving Montana. It serves 35 states per our research.
Check availability: Old Republic Home Protection, HSA Home Warranty, Home Warranty of America, Select Home Warranty, ServicePlus Home Warranty
These companies serve only some states and we have not verified Montana. They appear in the comparison table marked "Check". Ask the company before you rely on them.
How Montana Regulates Home Warranties
Regulator
Montana Commissioner of Securities and Insurance (administering agency for the service contract part not confirmed)
Legal framework
Service contracts part of the unfair trade practices chapter (MCA 30-14-1301 to 1304)
Montana's Code Annotated has a Service Contracts part (Title 30, chapter 14, part 13, sections 30-14-1301 to 30-14-1304) in the unfair trade practices and consumer protection chapter. It covers definitions, requirements for conducting business and required disclosures. Under section 30-14-1302 a provider must meet one of three financial security options, such as insuring its contracts with a licensed insurer or holding a funded reserve account, and no other financial security may be required. We could not retrieve the definition section, so we could not confirm that it reaches home warranties, and we did not confirm which agency administers the part. The Commissioner of Securities and Insurance can say whether a company is registered or licensed.
Type of rules: General service contract law. A service contract law with registration, bonding or disclosure rules. Whether it reaches a particular home warranty plan was not confirmed.
Partly confirmed. The summary says which points we could not confirm. Researched October 2026; laws and agency pages change, so confirm with the regulator before you rely on a detail.
Sources for this section
- Montana Code Annotated Title 30, chapter 14, part 13: Service Contracts
- Montana Code Annotated 30-14-1302: requirements for conducting business (2013)
- Montana Commissioner of Securities and Insurance
- Find the current complaint form or phone line in the NAIC directory of state insurance departments.
- Compare all 50 states in the state home warranty laws table and read your refund and cancellation rights.
- If a claim is denied, follow how to fight a denial.
Consumer Tips for Montana Homeowners
Check the company's registration
Montana regulates service contracts under a general law with registration, bonding or disclosure rules, and we could not confirm how it applies to every home warranty plan. Ask the Montana Commissioner of Securities and Insurance whether the company is registered.
Do the cap math for your own system
Get a replacement quote from a local HVAC contractor, then enter it in the calculator above. Our top-ranked option here, AFC Home Club, has an HVAC cap of No cap; the difference between your quote and each company's cap is your out-of-pocket cost if the system fails completely. Details
Confirm coverage for your address
5 companies in our data serve only some states and are marked "check availability" for Montana. Confirm with the company that your address is covered before you spend time on a quote.
Filing a Complaint in Montana
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. Montana's state office below takes consumer complaints about businesses in general, so it is a place to file a home warranty dispute, but it is not a home warranty regulator by that fact alone. Who regulates the contract is covered in the regulation section above.
Montana Department of Justice: Office of Consumer Protection complaint form (PDF)
The Office of Consumer Protection's paper form is mailed with photocopies of your documents, not originals. The copy of the form we found is dated August 2016, so check that it is still the current one.
This paraphrases the office's own page as found in October 2026. Offices change their forms and procedures, so confirm on the page before you file.
Frequently Asked Questions - Montana
Which home warranty companies serve Montana?
What is the best home warranty company in Montana?
Which home warranty plan has the highest HVAC coverage in Montana?
How much does a home warranty cost in Montana?
How does Montana's climate affect which plan to buy?
Where do I file a home warranty complaint in Montana?
How are home warranties regulated in Montana?
Neighboring States
Compare All Montana-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves Montana, so you do not spend time on quotes from companies that do not operate here.
Regulation researched October 2026; housing figures from the Census Bureau and climate facts from NOAA NCEI as cited above. Company availability, pricing and coverage terms change. Verify current details directly with each company before purchasing. Reference: NAIC state insurance departments.