The Best Home Insurance in Montana for 2025

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

To help you find the best home insurance in Montana, we gathered and analyzed data from insurance companies across the state. These are the insurers that earned 4.4 stars or more.

Rates are based on a sample homeowner with no recent claims, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

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

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.

Chubb caters to well-off homeowners, offering coverage that often costs extra from other insurers. For example, the company’s policies include extended replacement cost coverage for the structure of your home. This is useful in case it costs more than expected to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Policyholders in Montana are eligible for free Wildfire Defense Services. These services include personalized recommendations for protecting your home and firefighters sent to your home if a wildfire is near.

» READ MORE: Chubb homeowners insurance review

Amica shines when it comes to customer service. It draws far fewer complaints compared to other insurers, according to the National Association of Insurance Commissioners. Amica also earned high marks in two recent J.D. Power surveys about home insurance and customer satisfaction.

The company stands out for its range of coverage options. For example, you can customize your policy with extra coverage above your dwelling limit. This could be useful in case your house costs more to rebuild than expected. You may also want to add coverage for identity theft or damage from backed-up drains.

» READ MORE: Amica homeowners insurance review

If you want to do business with companies that value sustainability, consider Cincinnati Insurance. In recent years, the insurer has cut fossil fuel emissions from both its facilities and company vehicles. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” endorsement. With this coverage, you can use eco-friendly materials to repair or rebuild your home after a claim.

The company offers a variety of other options, including comprehensive coverage for high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

» READ MORE: Cincinnati homeowners insurance review

As America’s largest home insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home.

You may be able to add coverage for things like identity theft and water damage from backed-up drains. Another option may be to add an inflation guard rider to your policy. This automatically increases your policy limits to keep up with rising costs.

State Farm offers a free Ting smart plug to home insurance policyholders as a perk. This device monitors your home’s electrical network to help prevent fires.

» READ MORE: State Farm homeowners insurance review

Allstate offers several ways to customize your policy, including replacement cost coverage for your personal property and coverage for water damage caused by backed-up drains. Other options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.

You might be able to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible when you sign up, plus an additional $100 off for each year you go without filing a claim. If you do file a claim, your rates won’t go up.

» READ MORE: Allstate homeowners insurance review

Travelers offers a robust online experience. You can use the website to get a homeowners insurance quote, file and track claims, make payments, and learn about insurance basics.

Its coverage offerings are similarly strong. For example, you may be able to add extra coverage in case the dwelling limit on your home isn’t enough to rebuild your house after a disaster. You can also add coverage for water damage caused by a backed-up sewer or drain. One unique option is Travelers’ green home coverage, which pays extra if you want to use eco-friendly materials when repairing or rebuilding your home after a covered claim.

» READ MORE: Travelers homeowners insurance review

USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA.

The company offers some perks for members of the military, like deductible-free coverage for military uniforms and equipment. USAA will also waive your deductible if your personal property is damaged or lost due to war.

USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged items. Many companies pay only what your items are worth at the time of the claim.

» READ MORE: USAA homeowners insurance review

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?

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?

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

» MORE: The cheapest homeowners insurance

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 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.

To check your flood risk, start by looking up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk. You may want to check another source, like First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.

» MORE: Do I need flood insurance?

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.

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.

In our research, we analyzed:

View our complete homeowners insurance rating methodology.