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 get affordable home insurance in Montana

 

Homeowners insurance may be optional, but it's important. It helps to protect your belongings in the event your house is damaged. A homeowners policy defends your dwelling, personal property, and other buildings from an array of circumstances, such as wind damage, fire, theft, vandalism, and more.

Unlike auto insurance, homeowners insurance isn't governed by state legislation. That said, major differences exist in homeowners insurance costs from state to state. Policy costs in a given state differ depending on the number of — and value of — homeowners policy claims filed in that particular state, and depend on the value of the belongings and dwelling you're insuring.

The easiest way to find a cheap homeowners insurance policy in Montana is to compare rates from as many insurance companies as possible. Learn how much home insurance costs in Montana via the below breakdown. Your rates may vary, depending on your coverage details.

 

Montana homeowners insurance:
  1. Rates by company
  2. By city
  3. Bundling
  4. FAQs

 

Homeowners insurance prices in Montana by carrier

Prices for home insurance in Montana differ based on the insurance company you use. Pacific Insurance offers the best deal on home insurance in Montana, at just $1,179 per year. This is less than the state's mean cost of $2,042, providing an $862 price cut on average policy costs statewide.

Get a head start on looking for cheap homeowners insurance by reviewing the cheapest Montana carriers, listed below.

 

CHEAPEST HOME INSURANCE COMPANIES IN MONTANA
InsurerAverage 12-Month 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 costs: by city

Not all Montana cities have the same home insurance rates. Pricing depends on locally specific variables such as the likelihood of weather-related claims in the area, meaning your ZIP code could have a major impact on how much you pay.

The cheapest home insurance in Montana is found in Evergreen. The average home insurance policy in Evergreen costs only $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 CITIES IN MONTANA
CityAverage 12-Month Home Insurance Rate
Evergreen$1,357.06
Whitefish$1,434.50
Columbia Falls$1,436.67
Belgrade$1,496.72
Missoula$1,510.57

 

Montana insurance bundling discounts: home and auto

If you’re seeking ways to save on your insurance expenditures, consider purchasing your home and car insurance policies from the same company. Bundling auto and homeowners insurance in Montana can lead to substantial savings on car insurance. In fact, bundling policies in Montana leads to a yearly discount of $146.

 

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

 

Bundling home and auto policies is a great way to save. Get started today!

 

 

Montana home 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.

 

 

Homeowners earthquake insurance in Montana

With an average of 14 earthquakes a year, residents of Montana should be aware of earthquake insurance options.* As might be expected, those living in earthquake zones can expect their homeowners insurance rates to be more expensive. This is especially true in areas with the highest probability of a quake. Most standard insurance companies do not offer earthquake coverage, but there are some options for those who live in states where earthquakes are a threat. Companies in Montana sometimes offer endorsements that can cover earthquake damage. Bear in mind, earthquake insurance deductibles tend to be more costly than standard homeowners insurance deductibles. In Montana, a homeowners insurance endorsement for earthquake coverage carries an additional cost of $114 per year.

Take a look at the best options for earthquake coverage in Montana listed below. These figures should be treated as estimates — seek out one of the companies for rates specific to your property.

 

CHEAP HOMEOWNERS EARTHQUAKE COVERAGE IN MONTANA
InsurerAverage Annual Earthquake Insurance Rate
Kemper$1,047
Chubb$1,192
Liberty Mutual$1,345
State Farm$1,598
USAA$1,744

 

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

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