Montana Homeowners Insurance

Getting homeowners insurance shouldn't be confusing. Compare Montana rates by city and insurance company below.

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How to find affordable homeowners insurance in Montana


Home insurance is an optional but important insurance coverage. It keeps your investment insured in the event your house suffers damage from a common incident. Home insurance covers your home and your items from an array of circumstances, such as wind damage, fire, theft, vandalism, and others.

Unlike car insurance, home insurance isn't controlled by state legislation. That said, there are major differences in home insurance costs on a state-by-state basis. Home insurance policy costs in states may vary depending on the number and total value of home policy claims across the state, and depend on the value of the dwelling and belongings being insured.

The best way to find a cheap homeowners insurance policy in Montana is to compare rates and consider policies from as many companies as possible. Get an idea of homeowners insurance costs in Montana by referencing the below tables. Your rates may vary, depending on your coverage details.


Montana home insurance:
  1. Homeowners rates by company
  2. Homeowners rates by city
  3. Rates by coverage amount
  4. Rates by deductible amount
  5. Bundling
  6. FAQs

Homeowners insurance rates in Montana by carrier

Prices for home insurance in Montana can vary depending on which insurer you use. Pacific Insurance provides the cheapest home insurance in Montana, at only $1,179 yearly. This is less than the state average cost of $2,042, offering an $862 discount on average statewide home insurance costs.

Start your search for affordable coverage by viewing average rates from top Montana home insurance carriers, listed below.


HOME INSURANCE RATES IN MONTANA: BY COMPANY
InsurerAverage Annual Rate in Montana
Pacific Insurance$1,179
Trinity Universal$1,287
Safeco$1,466
Farmers$1,711
USAA$1,921

Montana homeowners insurance costs: by city

Not all Montana cities have equal homeowners insurance rates. Policies are often priced on city-specific variables, including the number of claims filed nearby, lending your ZIP code plenty of weight in deciding how much you pay.

The cheapest home insurance rates in Montana are in Evergreen. An average homeowners insurance policy in Evergreen costs just $1,357 per year — $685 less than the average homeowners policy in other Montana cities. The below table shows the best places to live in Montana if you’re looking for cheap homeowners insurance.


AFFORDABLE HOME INSURANCE BY CITY IN MONTANA
CityAverage Yearly Home Insurance Rate
Evergreen$1,357
Whitefish$1,435
Columbia Falls$1,437
Belgrade$1,497
Missoula$1,511

Average home insurance rates in Montana by coverage amount

How much you spend on home insurance coverage is greatly impacted by the level of coverage you choose. In Montana, carrying $200,000 dwelling coverage costs an average of $1,553 per year, while maintaining coverage up to $400,000 costs as much as $2,509 per year.


HOMEOWNERS INSURANCE RATES IN MONTANA — COMMON COVERAGE AMOUNTS
Coverage LevelAverage Annual Rate
$100,000 Dwelling$981
$200,000 Dwelling$1,553
$250,000 Dwelling$1,817
$400,000 Dwelling$2,509

Compare Homeowners Insurance Rates

Homeowners insurance deductibles in Montana

Among the many decisions faced by homeowners when buying homeowners insurance is how high or low to set the deductible. A deductible is the amount for which a homeowner is responsible before the insurer will cover a claim. The deductible chosen can impact how much you pay in insurance premiums.

A good rule of thumb is: the lower your deductible, the higher your premium. Therefore, it might make sense to set a higher deductible if your are hoping to pay lower premiums. Remember: your homeowners deductible should not be set at an amount that you would have difficulty paying in the event of a loss.

Below are some common deductible options offered by most home insurance companies as well as with corresponding average insurance rates.


HOME INSURANCE RATES BY DEDUCTIBLE IN MONTANA
Deductible TierAverage Annual Home Insurance Rate
$500$1,967
$1,000$1,817
$1,500$1,737
$2,000$1,636
$5,000$1,407

Home and auto insurance bundles in Montana

If you're trying to save, consider purchasing both your home and auto insurance policies from one company. Bundling auto and homeowners insurance in Montana can lead to substantial savings on your auto insurance bill. Bundling home and auto policies in Montana leads to yearly savings of $146.


HOME AND AUTO INSURANCE BUNDLING SAVINGS IN MONTANA
Avg. Annual Auto Insurance Rate (No Bundle)Avg. Yearly Auto Insurance Rate (Bundle)Annual Bundle Savings% Savings with Bundle
$1,347$1,201$14612%

Bundling home and auto policies is a great way to save. Start shopping today!



Montana homeowners insurance FAQs


Does Progressive carry home insurance in Montana?

Yes - Progressive is an option for homeowners insurance in Montana.

Why is home insurance so expensive in Montana?

Rates are set by insurance companies accordingly by weighing the likelihood of perils that may occur in certain areas. As a result, rates may be on the more expensive side depending on where you live in Montana.




Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including BestCompany.com.