Updated on 09.27.17

The 3 Best Montana Homeowners Insurance Companies

Montana’s diverse terrain creates varied climate patterns across the huge state. The eastern region, for example, sees harsher winters and hotter summers, with increased risk for damage due to natural disaster. So while the average homeowners insurance premium in Montana is low — only $871, compared to a national average of $1,034 — this figure does not accurately capture rates in high-risk areas.

Whether the city you call home is disaster-prone or not, make sure you’re paying the lowest amount possible for the best coverage by shopping around and comparing policies and prices. Keep factors such as financial stability ratings, discount opportunities, and add-on options for things not typically included in standard policies (e.g., flood protection).

To help make the home insurance selection process easier, we’ve outlined our top picks for Montana homeowners and included an online quote tool so you can get accurate quotes in your area.

Find the Best Home Insurance Rates

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

State Farm

State Farm is backed by an A++ A.M Best rating for financial strength, and has consistently been the most popular option for homeowners insurance in Montana. Residents of Big Sky Country insure with State Farm because the company offers wide policy options and superior claims management tools.

State Farm provides standard coverage to nearly every type of Montana home, including single-family dwellings, mobile homes, condominiums, and farms/ranches. State Farm policies can be easily customized with add-on coverages protecting against identity theft, personal liability and injury, and damage made to assets like home offices and studios.

In the event of a loss, filing a claim with State Farm is a hassle-free process. The company has one of the largest claims networks in the world, and offers online devices and a PocketAgent mobile app to support you along the way. Tools like State Farm’s HomeIndex, which allows you to keep an online inventory of your covered possessions, allow you to file an accurate and efficient claim.

The Premier Service Program is another notable perk of insuring with State Farm — should you require water mitigation or floor repair services after a loss, State Farm will connect you with a contractor in your area to carry out the repairs and make your home livable sooner.

Liberty Mutual

Liberty Mutual is a solid option for Montana homeowners looking to save money on their policy. Already-affordable rates are supplemented by Liberty Mutual’s liberal discount offerings — the company provides deductions for installing protective devices, bundling insurance products, obtaining a quote before your current policy with another provider expires, and opting for 100% replacement coverage. Additional discounts and benefits are also afforded to customers belonging to one of Liberty 14,000 affiliate employers, organizations, and alumni associations around the country.

Liberty Mutual’s vast affiliate network also comes in handy should you experience a loss and require immediate assistance. While many of its competitors offer 24-hour claims support over the phone, Liberty Mutual goes one step further — the company offers 24-hour emergency repair services that are available 365 days a year. Simply file a claim over the phone, online, or using Liberty Mutual’s mobile app and you will be connected with a tested-and-approved contractor to carry out any necessary immediate repairs. The company even guarantees the quality of the work for a year.

Farmers Insurance

Farmers Insurance offers some of the best claims management tools in the industry — allowing you to respond and recover efficiently following a loss. Claims can be reported over the phone, online, in person with a local agent, and using the Farmers’ iClaim mobile app.

After your claim is received, it is assigned to a claims specialist and you can easily follow its progress until settlement using the online Claims Tracker tool. Farmers also has many local partnerships with hotels and contractors in Montana to help set you up with temporary lodging or conduct repairs after a covered loss.

In addition to outstanding claims tools, Farmers also helps you save on your policy by extending multiple discount opportunities. In addition to standard offerings like deductions for policy bundles and protective devices, Farmers also provides discounts if everyone residing in your home is a non-smoker, if you’ve recently had an inspection, or if you’ve made any “green” home efficiency renovations. Furthermore, if you’ve recently replaced your roof, Farmers offers additional premium price breaks.

Find the Best Home Insurance Rates

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Check out our Complete Guide to Home Insurance for more information regarding coverage options and ways to save on your policy.