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Find the Best Home Warranty Companies in Billings, MT

When a home appliance or system breaks down and is no longer covered by the manufacturer, the repairs can be costly. That’s why many Billings homeowners purchase a home warranty, which offers financial protection. The Billings Gazette has partnered with ConsumerAffairs to create this guide by comparing local availability and number of positive reviews of 15 businesses and choosing seven favorites from the top home warranty companies in Billings.

Companies pay ConsumerAffairs to be authorized, and the Billings Gazette and/or ConsumerAffairs may receive compensation when you click a link, call a number or fill out a form on this site.

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Home warranty coverage in Billings

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A home warranty protects Billings homeowners from having to pay for costly repairs when certain household appliances and systems break down. These items include air conditioners, water heaters, refrigerators, washing machines, dishwashers and more. When you have a home warranty and need a repair, all you pay is a trade service call fee — usually between $50 and $125 — and the home warranty company pays the rest to restore things to working order.

Home warranties are most commonly purchased by new homeowners, owners of homes with older systems and appliances, sellers providing a purchasing incentive and rental property investors. You can pay monthly for one of these service contracts, which usually last 12 months, and there’s often no limit to how many claims you can make. Certain exclusions and payout limitations apply.

How to get a home warranty in Billings

When buying a home warranty, Billings residents should shop around with various providers. Gathering quotes allows you to compare coverage and costs. Be prepared to choose between a plan that covers either appliances or systems or both. Some companies allow you to add on coverage for items like a pool/spa, a second refrigerator or a sump pump.

There are several factors you should take into consideration when shopping for a home warranty:

  • Customer reviews: Have other people had positive experiences with this company? Do customers recommend the company?
  • Service call fees: Can you choose from various service call fee options before getting a home warranty? How much will you owe for each claim?
  • Contract limitations: What are the exclusions and limitations in the contract? Are there maximum payout amounts? Is there a waiting period before coverage begins? Can you cancel anytime?

Billings home warranty costs

The average annual cost for a home warranty for Billings residents is about $600, or $50 per month. The cost of a plan depends on the size of your home, the type of plan you select, whether you add on coverage and the amount of your service fee.

We asked for quotes from America’s 1st Choice Home Club, Select Home Warranty and Cinch Home Services to see how much it costs for a plan that covers both systems and appliances in Billings at the time of publishing. Your exact quote may vary.

  • America’s 1st Choice Home Club: The Gold Plan, which covers systems and appliances, costs $45.83 per month with a service fee of $75.
  • Select Home Warranty: The Platinum Care plan costs $50 a month with a $60 service fee. It covers systems and appliances.
  • Cinch Home Services: The Complete Home plan covers systems and appliances and costs $61.99 monthly with a service fee of $100.

Billings home warranty FAQ

What is a home warranty?

A home warranty is a service contract that covers most of the cost of repairs or replacements of specific household systems and appliances that break down. It is not the same as homeowners insurance.

Do I need a home warranty in Billings?

A home warranty isn’t legally required in Billings, but many homeowners purchase one for financial protection in case an older home appliance or system that is no longer covered by the manufacturer breaks down.

How does a home warranty work?

If a covered system or appliance in your home needs service, you file a claim with your home warranty company. The company sends a technician from its network to your home to diagnose the problem and make the repair or replacement. You pay the service call fee according to your contract, and the home warranty company pays the rest.

What does a home warranty cover?

Home warranty plans generally cover home systems, home appliances or a combination of both. Systems usually include air conditioning, heating, plumbing, electrical, water heater and ductwork. Appliances usually include washer, dryer, refrigerator, oven, stove and dishwasher. Some companies allow you to add on coverage for things like a pool, stand-alone freezer and electronics.

Are home warranties worth it to Billings residents?

Home warranties can save you hundreds of dollars in out-of-pocket repair costs. In addition, home warranty companies save you the trouble of finding a qualified contractor. The types of people who find home warranties worth it in Billings are those living in or selling a home with older appliances and systems.

Billings home warranty company information

American Home Shield

American Home Shield has been protecting American homes for nearly 50 years. The company offers flexible coverage, with optional add-ons and a build-your-own-plan option. There’s no inspection needed, and the age of your systems or appliances doesn’t affect your coverage. Service fees are customizable and range from $75 to $125.

American Home Shield Learn More (844) 475-0310

Select Home Warranty

Select Home Warranty offers Billings customers multiple tiers of coverage. The company provides a 90-day guarantee on workmanship. Billings residents can save by taking advantage of sign-up bonuses. Sign up for multiple years of coverage and get a discount.

Select Home Warranty Learn More (317) 754-6642

America's 1st Choice Home Club

America's 1st Choice Home Club offers multiple coverage options, including two plans covering both systems and appliances. Customers can choose their own licensed technician, and repairs come with a guarantee for the life of the contract. Service requests can be made 24/7.

America's 1st Choice Home Club Learn More (855) 923-3576

Total Home Protection

Total Home Protection offers customers two home warranty plans to choose from, Gold and Platinum, each of which covers a mix of systems and appliances. Customers may also add optional coverage to their plan. You can also transfer coverage to a new homeowner at no charge. Total Home Protection has a 24/7 claims service.

Total Home Protection

First American Home Warranty

First American Home Warranty has over 35 years of experience in the industry. Billings residents can choose from a Basic or Premier plan, with optional coverages available, and get flexible payment options and 24/7 claims service. First American Home Warranty covers systems and appliances regardless of age and has no limit on the number of times you can request service.

First American Home Warranty Learn More (855) 802-1335

Cinch Home Services

Cinch Home Services offers coverage for systems, appliances or both. The company includes protection for unknown preexisting conditions. Billings customers can make claims by phone, online or using Alexa. Cinch Home Services plans include a 180-day workmanship guarantee and savings if you buy additional appliances for your home.

Cinch Home Services Learn More


HomeServe’s multiple plans come with a one-year guarantee on all covered repairs. Customer service is available 24/7. HomeServe offers a 30-day money-back guarantee. Plans for individual systems are available, as well as combo plans for more thorough coverage. Those who want minimal coverage can pay just a few dollars per month.