Popular Questions about Homeowners Insurance in Montana

The average premium for Montana homeowners insurance is $1,174 per year, which is a little lower than the national average of $1,211 annually. For exact pricing on your home insurance, get quotes through a trusted adviser for free.

Since each carrier is different and offers multiple coverage options, you'll need custom quotes to know which market is best for you. The following discounts can help keep your home insurance rates low:

  • Multiple policy discount
  • Central station alarm discount
  • New roof discount
  • Home updates discount
  • Fire station proximity discount

Homeowners insurance comes with standard coverage options that are tailored to your individual needs. In Montana, your home policy will have limits for dwelling value, other structures, personal property, liability, medical payments, and additional living expenses. All of these coverages will protect against fire, theft, vandalism, and natural disasters. 

Your home insurance rates are determined using various risk factors that are both personal and local. Carriers look at the following items when calculating your Montana homeowners insurance:

  • Dwelling value
  • Past claims reported
  • Local natural disasters 
  • Local crime rates

In Montana, homeowners insurance is not mandatory by law, but it's necessary for proper protection. If you have a mortgage or lender on your property, they will require you to carry home insurance to obtain a loan. With Montana having $3.27 million paid in home insurance claims in one year alone, the right coverage is needed to avoid financial ruin.

The best is relative when it comes to finding a carrier for your home policy. Some of the most highly rated insurance companies in Montana are Progressive, Travelers, Safeco, and Stillwater. They are known for their broad coverage selection and fast claims service. To find a market that suits your needs, you'll have to obtain custom quotes.

Do You Know What Your Montana Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?Call

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAvg. home valueBurglaries / 1,000 ResidentsAnnual insurance cost
Butte-Silver Bow$202,0177.14$975
Great Falls$225,8984.80$891
Miles City$143,9001.77$778