Property insurance in Montana covers your home and most of your belongings. Insurance providers typically will combine home insurance with liability insurance, which pays for property damage and injuries family members or pets cause. Property insurance also will cover temporary living expenses when a natural disaster forces you to live away from home.

MT property insurance also covers most natural disasters such as fire, hurricanes, hail and lightning. A standard homeowners insurance policy may specify other perils, although you must insure against earthquakes and floods through individual policies. Property insurance in Montana will not cover losses poor maintenance cause.

3 key factors affect the cost of homeowners insurance in Montana:

1. The specific location of the property can require additional insurance. For example, property insurance companies in Montana should include coverage for ice, sleet and snow in their coverage.

2. Effective loss-control measures can control the premium for property insurance in MT. This most commonly refers to an alarm system.

3. Home insurance should allow you to replace detached structures and rebuild your house.

Action Steps
The best contacts and resources to help you get it done

Collect quotes for a variety of Montana homeowner insurance plans

Multiple quotes from different sources can be an effective method of identifying the general terms of these policies and the premiums you can expect to pay.

I recommend: Go to Insure Home and enter your zip code to start your search for MT property insurance quotes. Most Choice specializes in property insurance and also allows you to search for quotes by zip code.

Find a broker for property insurance in MT that represents major carriers

You may want to obtain Montana homeowners insurance through an agent who represents a major carrier in the state and who can make a recommendation based on the specific needs of your situation. An agent also will handle much of the paperwork required by an insurance carrier.

I recommend: Safeco Insurance is one of the largest property insurance companies in Montana and its website allows you to find agents within a given area. Go to Allstate and search for agents in a given location. This website also allows you to search for agents by name.

Get a Montana homeowners insurance policy from a local agent

You may wish to contact a local independent property insurance company in Montana rather than dealing with different national insurers. Often, a local agent can write a more customized plan for you.

I recommend: Jackson & Iverson Insurance is a provider of property insurance in Montana with access to major carriers in the state. Bridger Insurance Agency is an independent Montana property insurance agency based in Bozeman.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Montana property insurance typically covers expensive items such as furs, jewelry and silverware up to a fixed amount. A special property endorsement is necessary to replace these items if the primary policy does not cover their value.