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Call Us Now: Finding competitive, low cost homeowners insurance quotes in Montana does not have to be a chore. At HomeInsurance.com, you can fill out one form to get a low rate on comprehensive Montana home insurance coverage. Rest assured knowing our team of Montana licensed insurance consultants are standing by to give you top notch advice to coverages and rates in your area.
Average Montana home insurance rates in December were approximately $691.00 which have increased since November when rates were around $669. Average rates in the area reflect premiums on new policies sold by HomeInsurance.com in Montana. For a full list of premiums by state visit our RateReport.
Average Premiums for Home Insurance In Montana |
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| Dec 2011 | Nov 2011 | Oct 2011 | Sep 2011 | Aug 2011 |
| $691.00 | $669.00 | $663.00 | $640.00 | $605.00 |
Homeowners insurance discounts are one of the best ways to get a low insurance rate while also maintaining great coverage. Since average home insurance rates in Montana increased it is important to qualify for all the discounts you can to make sure you aren't overpaying. Packaging your home and auto insurance with one insurance provider can get you savings between 15 and 25 percent. Likewise, you may qualify for additional savings by being claims free or having protection devices (fire and burglar alarms) on your Montana home.
Standard Montana Home Insurance Coverages
| A | Dwelling: A standard Montana homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril |
| B | Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Montana home insurance policy |
| C | Contents/Personal Property: A Montana home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings. |
| D | Loss of Use: If your Montana home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home. |
| E | Personal Liability Protection: In Montana, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property. |
| F | Medical Payments: Medical Payments coverage, or Montana MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved. |
Montana Homeowners Insurance News
- Lawmakers continue to debate flood insurance programThursday, May 10, 2012
- Another Midwest governor concerned about flood protections Thursday, July 14, 2011
- Storm near Yellowstone National Park causes severe damage to some area homesTuesday, August 31, 2010
- Summer wildfire season underway in much of U.S. Tuesday, July 13, 2010
Other Montana Homeowners Resources:
- Visit our RateReport to see how Montana home insurance rates measure up against other parts of the country.
- Do you know what your home insurance covers? Visit home insurance 101 to see what your policy may and may not cover.
- Are you qualifying for all available discounts in Montana? Check out our list of available home insurance discounts.
Search for home insurance in your Montana county:
- Beaverhead
- Big Horn
- Blaine
- Broadwater
- Carbon
- Carter
- Cascade
- Chouteau
- Custer
- Daniels
- Dawson
- Deer Lodge
- Fallon
- Fergus
- Flathead
- Gallatin
- Garfield
- Glacier
- Golden Valley
- Granite
- Hill
- Jefferson
- Judith Basin
- Lake
- Lewis And Clark
- Liberty
- Lincoln
- Madison
- Mccone
- Meagher
- Mineral
- Missoula
- Musselshell
- Park
- Petroleum
- Phillips
- Pondera
- Powder River
- Powell
- Prairie
- Ravalli
- Richland
- Roosevelt
- Rosebud
- Sanders
- Sheridan
- Silver Bow
- Stillwater
- Sweet Grass
- Teton
- Toole
- Treasure
- Valley
- Wheatland
- Wibaux
- Yellowstone
Customer Reviews in Montana
For additional information about specific insurance laws in Montana, visit the Montana Insurance Division website.
