Montana Homeowners Insurance

What You Need to Know About Montana Homeowners Insurance in 2017

Find the right homeowners insurance policy for you.

Montana’s name was derived from the Spanish word, montaña, the name for “mountain.” Indeed, the state is full of mountain ranges, but more than half of the state is actually part of the Great Plains prairie. If your house and property are located in a mountain range or on the prairie, you will be happy to know that average Montana homeowners insurance rates are fairly average for the western region, and it's a bit lower than the national average.

Your own house and property may not be exactly average, however. You should compare Montana home insurance quotes to be sure you’re getting a good deal. An independent Trusted Choice® network agent can help you compare multiple insurance companies and coverage options for an affordable plan that can provide you with the protection you need.

  • National yearly premium average: $1,312
  • Montana yearly premium average: $1,003
  • 27th most expensive premium in the US

These figures illustrate the fact that average yearly premiums in Montana are somewhat lower than the average for the entire country.

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.

Number of Catastrophes in Montana and the US

  • National number of catastrophes: 19,033
  • Number of catastrophes in Montana: 237
  • National number of tornadoes: 1,233
  • Number of tornadoes in Montana: 1
  • National property damage from weather: $5,511,270,000
  • Property damage from weather in Montana: $2,750,000

Montana home owners have a low risk for catastrophes and an even lower risk for tornadoes in particular. However, these figures can vary from year to year. Remember, tornadoes as well as other natural disasters can occur at any time.

A local independent agent should be able to explain the particular risks in your city, town, or rural area. An urban home may have different coverage needs than an isolated ranch house or a mountain cabin.

Number of Thefts in Montana:

  • National average for burglaries: 37,814
  • Montana number of burglaries: 4,064

The number of burglaries in Montana is one of the lowest in the nation compared to the national average. But remember that the risk for theft varies depending on the part of the state your home is located in. A good burglar alarm system, common sense safety measures, and the right home contents insurance should help keep your own house, property, and family secure.

Compare Home Insurance Quotes in Montana

Comparing Montana homeowners insurance quotes may take several hours or even several days. An independent Trusted Choice agent can provide you with custom-tailored quotes, answer your policy questions, and give you great service.

Most home owners want great coverage at the lowest possible price. A good local agent can help you find the best coverage to meet your budget and needs.

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