Home Insurance in Montana

Protect your home and belongings with the right coverage. Compare rates and find affordable homeowners insurance.

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Key Takeaways

  • Average home insurance premium in Montana: $150
  • Average claim payout: $15,000
  • Natural disaster risk level: Moderate
  • Top home insurer: State Farm
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How to Get Home Insurance

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Protect Your Home

$150

Avg. Premium

$15,000

Avg. Claim

Moderate

Disaster Risk

State Farm

Top Insurer

Understanding Home Insurance in Montana

Protecting your home in Montana requires understanding local risks and coverage options. From natural disasters to liability protection, our guide helps you find the right homeowners insurance at the best price.

Coverage Types

While Montana doesn't legally require homeowners insurance, your mortgage lender almost certainly does. Even without a mortgage, insurance protects your largest investment from unexpected disasters.

Dwelling Coverage

Covers the physical structure of your home

Personal Property

Protects your belongings inside the home

Liability Coverage

Covers injuries or damage to others on your property

Additional Living Expenses

Pays for temporary housing if home is uninhabitable

Compare Home Insurance Providers in Montana

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