The Best Home Insurance in Montana for 2025

Amica and Chubb are among the best home insurance companies in Montana, according to our analysis.

We analyzed data from more than 30 insurance companies to help you find the best home insurance in Montana. Below are the insurers that earned 5 stars in our analysis.

Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

The best home insurance companies in Montana

Here's more information about the best homeowners insurance companies in Montana.

Amica stands out for its customer service and broad range of coverage options. The company has drawn far fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners.

You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.

» READ MORE: Amica homeowners insurance review

Chubb caters to owners of high-value homes and draws far fewer consumer complaints than expected for a company of its size, according to the NAIC. Its home insurance policies come with some great perks, including extended replacement cost coverage in case it costs more than your dwelling limit to rebuild your home after a disaster.

Montana homeowners can also sign up for free Wildfire Defense Services. These services include personalized recommendations for protecting your home and deployment of firefighters to your house if a wildfire is approaching.

» READ MORE: Chubb homeowners insurance review

USAA sells homeowners insurance to veterans, active military members and their families. If that description fits you, you may want to consider a USAA policy. That’s because the company’s homeowners insurance has certain features that other insurers may charge extra for.

For example, USAA automatically covers your personal belongings on a replacement cost basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff.

» READ MORE: USAA homeowners insurance review

Other home insurance companies to consider

Looking for more of the best homeowners insurance companies in Montana? These insurers received a NerdWallet star rating of 4.5:

How much does homeowners insurance cost in Montana?

The average annual cost of home insurance in Montana is $2,735. That’s 30% more than the national average of $2,110.

In most U.S. states, including Montana, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Montana, those with poor credit pay an average of $6,400 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 134% more than what those with good credit pay.

» MORE: Does your credit score affect home insurance rates?

Average cost of homeowners insurance in Montana by city

How much you pay for homeowners insurance in Montana depends on where you live. For instance, the average cost of home insurance in Billings is $3,360 per year, while homeowners in Missoula pay $2,620 per year, on average.

» MORE: What’s the average cost of homeowners insurance?

The cheapest home insurance in Montana

Here are the insurers we found with average annual rates below the Montana average of $2,735.

» MORE: The cheapest homeowners insurance

Common risks for Montana homeowners

Here are some of the most common risks you may face as a Montana homeowner, along with ways to insure your home against them.

Wildfire

Homeowners insurance usually covers damage caused by wildfire, though if you live in a high-risk area, your policy may have exclusions. Pay particular attention to the dwelling coverage limit, which is how much the insurance company will pay to rebuild your house. Check with your insurer to make sure you have enough coverage to rebuild if necessary. To learn more, see our guide to wildfire insurance.

Flooding

Standard homeowners insurance doesn’t cover flood damage, so if you live in an at-risk area, you may need to buy separate flood insurance. Note that while you can get flood insurance at any time, there’s typically a 30-day waiting period before the coverage takes effect.

» MORE: Why you might need flood insurance, even if it's not required

Winter weather

Harsh winter conditions in Montana mean heavy snow, wind, ice and freezing temperatures. Review your homeowners policy to make sure it covers damage like roof collapse due to snow accumulation or bursting pipes due to freezing.

Homeowners insurance generally covers damage from winter storms, but some scenarios may require extra coverage. For instance, you'll likely need separate flood insurance to cover water damage caused by snowmelt.

Hailstorms

Most homeowners policies cover hail damage, but you may have a separate deductible for hail damage. These are often a flat rate, such as $1,000, or a percentage of your dwelling coverage. For example, your policy may have a $1,000 deductible for most claims and a 1% deductible for hail claims. So, if your house has $250,000 worth of dwelling coverage, you’d have to pay for the first $2,500 of hail damage yourself.

» MORE: Home insurance calculator: Estimate your rate

Montana insurance department

The Montana Commission of Securities and Insurance oversees the insurance industry in the state. The commission regulates the insurance industry, licenses agents and provides consumer information. You can file a complaint against your insurer on the commission’s website, as well as by email, mail or fax. Call the consumer advocate division at 800-332-6148.

Amanda Shapland contributed to this story.