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State guide · MTNo paid placement

Home warranty
in Montana.

Montana sets its own rules for service contracts in Title 30, chapter 14, part 13 of its Code, and its insurance code does not apply to them.

Regulated as a service contract3 reviewed providers ranked
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Why Montana is different

Montana sets its own rules for service contracts in Title 30, chapter 14, part 13 of its Code, and its insurance code does not apply to them. Part 13 covers contracts to repair, replace or maintain property after an operational or structural failure caused by a defect or by normal wear and tear. A provider cannot sell a contract in Montana until it insures its obligations, funds a 40 percent reserve and posts a deposit of at least $25,000, or shows a $100 million net worth. The law names the Department of Justice as its department. Contracts must state their cancellation terms. A provider must mail at least 5 days' notice before cancelling, unless the reason is nonpayment, misrepresentation or a substantial breach.

Source: MCA 33-1-102(10) (insurance code does not apply to service contracts) (State statute, accessed 2026-10-07) · MCA 30-14-1301 (definitions) (State statute, accessed 2026-10-07) · MCA 30-14-1302 (requirements for conducting business) (State statute, accessed 2026-10-07) · MCA 30-14-1304 (required disclosures) (State statute, accessed 2026-10-07)
Coverage-priority context · MT

What breaks in Montana.

Issue 01
Severe winters placing sustained strain on furnaces and boilers
Issue 02
Frozen-pipe risk during extended deep-cold stretches
Issue 03
Wide temperature swings stressing both heating and cooling systems
§ 02Best providers in Montanaranked by Warranta editorial score · /5 scale · how we score
01
American Home Shield
Homeowners who want broad systems coverage and a choice of service fee.
Score
4.1/5
Read review →
02
Liberty Home Guard
Homeowners who value responsive support and a wide add-on catalog over the highest payout caps.
Score
4.0/5
Read review →
03
Choice Home Warranty
Budget-focused homeowners who want a predictable flat service fee and straightforward plan choices.
Score
3.7/5
Read review →
§ 03Common questions for Montana
When does coverage start after I buy a plan?
When the waiting period in your contract ends. Providers set different lengths. Liberty Home Guard's sample policy starts coverage 30 days after purchase and requires covered items to be in working order that day. American Home Shield's 2024 sample plan agreement shows an initial waiting period of 0 days. Under Liberty's terms, a covered item that breaks on day 20 falls inside that 30-day holding period and is not covered, so read each provider's sample contract before you buy.
Can I buy a plan after something has already broken?
You can buy one, but the two sample contracts we read would not pay for a breakdown you already have. Liberty Home Guard's sample policy "does not cover any known or unknown pre-existing conditions." American Home Shield's 2024 sample plan agreement says a covered breakdown "must occur during the Plan Agreement Term," and it excludes earlier breakdowns that "were either known by you or were reasonably detectable by you."