Montana Homeowners Insurance

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

Find affordable homeowners insurance in Montana


Homeowners insurance is an optional — but important — product that works to keep your belongings safe in the event your house or property suffers damage from common incidents. A homeowners insurance policy protects your dwelling, attached buildings, and personal property in the event of an array of calamities, such as fire, theft, vandalism, or wind damage.

Large gulfs exist in home insurance costs on a state-by-state basis. Home insurance rates in states diverge based on the value of — and total number of — home policy claims filed statewide, and depend on the value of the belongings and dwelling you're insuring.

The easiest way to get a cheap homeowners insurance policy in Montana is to get quotes from as many homeowners insurance companies as you can. Learn more about how much home insurance costs in Montana by referencing the below data. Remember: your rates will vary, depending on your coverage limits.


Montana home insurance:
  1. Rates by company
  2. Homeowners rates by city
  3. Bundling discounts


Home insurance prices in Montana by company

Home insurance prices in Montana differ based on the insurance company you select. Pacific Insurance underwrites the most affordable home insurance in Montana, at only $1,179 yearly. This is less than the state average cost of $2,042, providing an $862 price cut on the state's average rate.

Start shopping for affordable coverage by viewing average rates from top Montana companies, listed below.


THE MOST AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN MONTANA
CompanyAverage Yearly Rate in Montana
Pacific Insurance$1,179.20
Trinity Universal$1,286.50
Safeco$1,466.14
Farmers$1,711.02
USAA$1,920.65


Montana home insurance prices by city

Homeowners insurance rates in Montana differ by city. Policy pricing depends on local variables such as the likelihood of weather-related claims in the area, meaning your specific ZIP code impact how much you pay.

The cheapest homeowners insurance in Montana is available in Evergreen. An average home insurance policy in Evergreen costs $1,357 per year — $685 less than the average 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 HOMEOWNERS INSURANCE BY CITY IN MONTANA
CityAverage Annual Home Insurance Rate
Evergreen$1,357.06
Whitefish$1,434.50
Columbia Falls$1,436.67
Belgrade$1,496.72
Missoula$1,510.57


Tip: bundle home and auto insurance in Montana

If you want to save on insurance, consider holding your home and auto policies with the same insurance company. A home and car insurance bundle in Montana can save you a substantial sum each month on your auto insurance bill. Bundling home and auto policies in Montana may generate yearly savings of $146.


HOME AND AUTO INSURANCE BUNDLING DISCOUNTS IN MONTANA
Avg. Yearly Auto Insurance Rate (No Bundle)Avg. 12-Month Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,347.00$1,201.00$146.0012%


One of the best ways to save on auto insurance is bundling. Find a policy today!


Compare rates from top car insurance companies.

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Earthquake insurance in Montana

Montana encounters an average of 14 earthquakes every year, which means that Montana residents may want to look into earthquake insurance.* However, such protection doesn’t come standard in home policies. Earthquake coverage is obtained as an added endorsement to your current policy and protects you against damage from seismic events.

Another serious concern following an earthquake is the aftershock. An aftershock can be quite powerful, and often continue causing damage long after the initial event. Luckily, having this coverage means that you pay only one deductible for losses from the initial earthquake in addition to all related aftershocks that occur inside a period of 72-hours.

*Source: United States Geological Survey (https://earthquake.usgs.gov/earthquakes/browse/)

 

Fire insurance in Montana

Fire coverage comes as a standard part of most home insurance policies in Montana. If a fire destroyed your home, your insurer would cover the damage to your property up to your policy limits. The prevalence of wildfires in Montana reinforces the importance of a homeowners insurance policy: 28% of homes in the state are in danger of suffering wildfire damage. In fact, 97,814 acres of the state were burned in 2018.*

Your homeowners insurance policy would also cover additional living expenses if your dwelling is deemed uninhabitable. Damage occurring via arson — or fire-related damage to a vacant home — will not be covered by a homeowners insurance policy.

*Source: Insurance Information Institute (https://www.iii.org/fact-statistic/facts-statistics-wildfires)