Best Homeowners Insurance Companies in Montana

Chubb ranks No. 1 in our review of the best home insurance in Montana, followed by USAA and State Farm.

See if you're overpaying for home insurance below.

Written by Mark Fitzpatrick

Updated: January 19, 2026

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Montana's Top Home Insurance Companies: Key Takeaways

Chubb is the best home insurance provider in Montana with a score of 4.8 out of 5 from our review team.

USAA, State Farm, Farmers and Allstate high for homeowners insurance in Montana based on reliable coverage, customer service and competitive pricing.

The best insurer for your home depends on your coverage needs, budget and preferred features like claims service or discount availability.

Montana homeowners pay rates well below the national average. MoneyGeek analyzed premiums, J.D. Power satisfaction scores and coverage options from major insurers to find the best home insurance companies in Montana.

What Are the Best Home Insurance Companies in Montana?

Chubb earned our top ranking for Montana homeowners by excelling in both affordability and coverage areas. USAA, State Farm, Farmers and Allstate complete the top five, each bringing distinct strengths from military-focused service to premium coverage quality and extensive local agent networks.


Chubb	4.8	$847	Most Montana homeowners
USAA	4.9	$2,736	Military families
State Farm	4.6	$2,392	Coverage quality
Farmers	4.4	$4,155	Local agent network
Allstate	4.4	$3,332	Specialized coverage

*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your profile.

**Although USAA earned the highest score, we didn't rank it No. 1 due to its eligibility requirements.

Chubb

MoneyGeek Rating

4.8/ 5

5/5Affordability

4.6/5Customer Experience

4.6/5Coverage

J.D. Power Customer Satisfaction Score
677/1,000
Average Annual Premium
$847

pros
- J.D. Power customer satisfaction score exceeds industry average
- Most affordable rates available for Montana homeowners
- Customizable coverage options
cons
- Lengthy claims process for complex situations
- Some unique coverage require purchasing add-ons
- Limited availability in certain geographic areas
Chubb offers Montana's most affordable home insurance at $847 annually. The company provides guaranteed replacement cost coverage, paying to rebuild your home without depreciation deductions, regardless of Montana's varied construction costs. Its personal property coverage includes high-value items, fitting Montana's diverse lifestyles from ranching to recreation. Chubb works well for homeowners wanting premium coverage at competitive rates.

Chubb charges $847 annually for home insurance in Montana, 82% less than the state average of $4,814 and 76% below the national average of $3,467. Homeowners can reduce costs through bundling discounts for multiple policies and home security system discounts.


Older Homes	$72	$862
Newer Homes	$63	$754
Young Homeowners	$71	$849
Senior Homeowners	$70	$845
High-Risk Fire Homes	$79	$950
Smaller Homes	$89	$1,067
Larger Homes	$103	$1,233

Chubb earned 677 out of 1,000 points in the J.D. Power customer satisfaction study, beating the industry average of 642. The company operates through local independent agents who provide personalized service for Montana homeowners. Chubb balances agent relationships with online policy management tools.
Chubb provides standard homeowners coverage with optional add-ons:
- Extended replacement cost: Pays to repair or rebuild your home to its original condition even if costs exceed your policy limit
- Temporary living arrangements: Helps you find housing while your house is rebuilt
- Risk consulting: Complimentary home appraisals with trained risk consultants who visit your home and assist with security and fire prevention advice
- Cash settlement: Offers a cash settlement up to your policy limit if you decide not to rebuild after a covered total loss
- Replacement cost coverage: Replaces damaged items including upgraded appliances, custom cabinets, flooring or carpentry without deduction for depreciation
- HomeScan: Uses infrared technology to detect problems behind walls like leaks, missing insulation and faulty electrical connections before damage occurs

USAA

MoneyGeek Rating

4.9/ 5

4.9/5Affordability

5/5Customer Experience

5/5Coverage

J.D. Power Customer Satisfaction Score
737/1,000
Average Annual Premium
$2,736

pros
- Strong financial stability with high AM Best ratings
- User-friendly digital tools for managing policies and filing claims
- Flexible policy options with various add-on coverage available
cons
- Limited agent network compared to larger insurance companies
- Slower claims process during peak times
- Limited availability in some Montana areas
USAA offers Montana home insurance at $2,736 annually for military members and their families. The company provides replacement cost coverage, paying to rebuild your home after a loss without depreciation deductions. USAA also covers personal property in transit, helpful for families moving across Montana. USAA works well for military families wanting comprehensive protection at rates below the state average.

USAA charges $2,736 annually for home insurance in Montana, 43% less than the state average of $4,814. The company offers bundling discounts for multiple policies and home security system discounts.


Older Homes	$213	$2,551
Newer Homes	$103	$1,241
Young Homeowners	$233	$2,802
Senior Homeowners	$230	$2,754
High-Risk Fire Homes	$255	$3,066
Smaller Homes	$190	$2,277
Larger Homes	$258	$3,098

USAA earned 737 out of 1,000 points in J.D. Power customer satisfaction ratings, beating the industry average of 642. The company operates through a direct-to-consumer model with digital tools and a mobile app for policy management and claims processing. USAA designs coverage options for military families.
USAA provides standard homeowners coverage with military-focused add-ons:
- Replacement cost coverage: Pays full rebuilding costs without depreciation deductions
- Personal property in transit: Covers belongings while moving across Montana
- Dwelling protection: Standard coverage for your home's structure against covered perils
- Personal property coverage: Protects your belongings inside and outside your home
- Liability protection: Covers legal expenses if someone is injured on your propert
- Additional living expenses: Pays temporary housing costs while your home is being repaired

State Farm

MoneyGeek Rating

4.8/ 5

5/5Affordability

4.6/5Customer Experience

4.6/5Coverage

J.D. Power Customer Satisfaction Score
657/1,000
Average Annual Premium
$2,392

pros
- Extensive agent network provides personalized service and local support
- Strong financial stability backed by high industry ratings
- Customizable coverage options
cons
- Limited availability in certain Montana areas
- Slow claims processing during peak periods
- Limited add-on coverage options
State Farm offers Montana home insurance at $2,392 annually. The company provides personal property replacement cost coverage, paying full value for lost items rather than depreciated amounts. Its natural disaster coverage options address Montana's climate risks, from severe storms to wildfires.

State Farm charges $2,392 annually for home insurance in Montana, 50% less than the state average of $4,814 and 31% below the national average of $3,467. Montana homeowners can reduce costs by bundling multiple policies and by combining home security systems with other policies.


Older Homes	$203	$2,433
Newer Homes	$146	$1,756
Young Homeowners	$200	$2,397
Senior Homeowners	$199	$2,387
High-Risk Fire Homes	$223	$2,680
Smaller Homes	$251	$3,011
Larger Homes	$290	$3,480

State Farm earned 657 out of 1,000 points in the J.D. Power customer satisfaction study, beating the industry average of 642. The company operates through local independent agents who provide personalized service to Montana homeowners. State Farm offers digital tools for policy management and claims processing.
State Farm provides standard homeowners coverage with optional add-ons:
- Personal property replacement cost: Pays full replacement value for damaged or stolen belongings
- Natural disaster customization: Coverage options for Montana's specific weather and geological risks
- Dwelling protection: Standard coverage for your home's structure and attached features
- Liability coverage: Protection against lawsuits and medical expenses for injuries on your property
- Additional living expenses: Covers temporary housing costs while your home is being repaired
- Medical payments: No-fault coverage for minor injuries to guests on your property

Farmers

MoneyGeek Rating

4.6/ 5

4.9/5Affordability

4.2/5Customer Experience

4.2/5Coverage

J.D. Power Customer Satisfaction Score
631/1,000
Average Annual Premium
$4,155

pros
- User-friendly digital tools simplify policy management and claims tracking
- Strong financial stability backed by high industry ratings
- Strong finances ensure claim payments
cons
- Rates exceed the state average
- Customer satisfaction scores below industry standards
- Limited availability in certain geographic areas
Farmers offers Montana homeowners insurance at $4,155 annually. The company provides coverage options that homeowners can adjust to their specific needs. Its extended replacement cost coverage helps with rebuilding when construction costs exceed policy limits. Farmers works for homeowners wanting coverage below the state average.

Farmers charges $4,155 annually for home insurance in Montana, 14% less than the state average of $4,814 and 39% above the national average of $3,647. The company offers bundling discounts when you combine multiple policies and provides savings for installing home security systems.


Older Homes	$331	$3,972
Newer Homes	$193	$2,317
Young Homeowners	$348	$4,170
Senior Homeowners	$345	$4,137
High-Risk Fire Homes	$388	$4,655
Smaller Homes	$329	$3,944
Larger Homes	$345	$4,137

Farmers earned 631 out of 1,000 points in J.D. Power ratings, below the industry average of 642. The company operates through local independent agents who provide personalized service to Montana homeowners. Its digital platform offers access to policy management and claims filing.
Farmers provides standard homeowners coverage with optional add-ons:
- Dwelling coverage: Protects your home's structure against covered perils
- Personal property coverage: Covers belongings inside your home
- Liability protection: Covers legal costs if someone is injured on your property
- Additional living expenses: Pays for temporary housing during repairs
- Extended replacement cost: Covers rebuilding costs that exceed your policy limits
- Personal umbrella policy: Provides extra liability protection beyond standard limits
- Identity theft coverage: Helps restore your identity after theft

Allstate

MoneyGeek Rating

4.4/ 5

4.9/5Affordability

3.8/5Customer Experience

3.9/5Coverage

J.D. Power Customer Satisfaction Score
633/1,000
Average Annual Premium
$3,332

pros
- User-friendly digital tools for policy management and claims filing
- Strong financial stability backed by high AM Best ratings
- Reliable coverage options with a solid insurance company backing
cons
- Slow and cumbersome claims processing
- Limited policy customization options
- Varying add-on coverage availability
Allstate offers Montana homeowners insurance at $3,332 annually. The company provides personal property replacement cost coverage, paying to replace lost items at current prices rather than depreciated values. Additional living expenses coverage pays for temporary housing after a covered loss. Allstate works for Montana residents wanting coverage below the state average.

Allstate charges $3,332 annually for home insurance in Montana, 31% less than the state average of $4,814 but 39% above the national average of $3,467. Montana homeowners can reduce costs by bundling home and auto policies and taking advantage of bundled discounts. Security system discounts provide additional savings for homes with qualifying protective devices.


Older Homes	$275	$3,302
Newer Homes	$212	$2,545
Young Homeowners	$280	$3,358
Senior Homeowners	$264	$3,168
High-Risk Fire Homes	$311	$3,734
Smaller Homes	$247	$2,960
Larger Homes	$290	$3,481

Allstate earned 633 out of 1,000 points in J.D. Power customer satisfaction ratings, below the industry average of 642. The company operates through local independent agents and direct sales. Allstate provides an online platform for policy management and claims processing.
Allstate provides standard homeowners coverage with optional enhancements:
- Personal property replacement cost: Covers belongings at current replacement value rather than depreciated worth
- Additional living expenses: Pays for temporary housing and living costs during covered repairs
- Dwelling coverage: Protects your home's structure against covered perils
- Personal liability: Covers legal expenses if someone is injured on your property
- Medical payments: Pays medical bills for guests injured on your property regardless of fault

Best Montana Home Insurance by City

Chubb ranks best in four Montana cities: Billings, Bozeman, Sunburst and Zurich. Annual premiums range from $767 in Sunburst to $877 in Zurich.


Billings	Chubb	$875
Bozeman	Chubb	$844
Sunburst	Chubb	$767
Zurich	Chubb	$877

Cheapest Montana Home Insurance Companies

Montana homeowners pay $4,814 annually for home insurance, 39% more than the national average of $3,467. Chubb offers the state's most affordable home insurance at $847 annually, 82% below the state average. American Modern ranks second at $2,089 per year. Premiums vary across insurers, with some like Travelers charging 474% above the national benchmark.

Guide to Finding the Best Montana Home Insurance Company

Compare multiple providers based on your coverage needs, budget and service preferences.

Compare Quotes Strategically

Montana's top insurers show premium differences, with annual costs ranging from $847 to $4,155. Get quotes from at least three to five companies to find competitive rates. Don't just shop by price. The cheapest policy might leave coverage gaps when you file a claim after severe weather or other covered losses.

Check Customer Satisfaction Metrics

Montana's leading insurers score between 631 and 737 in J.D. Power ratings, compared to the 642 industry average. Research complaint ratios through Montana Department of Insurance and focus on recent customer reviews about claims handling during hailstorm season. You're evaluating how companies treat customers during stressful claim situations, not just their policy sales process.

Evaluate Coverage Needs

Base your coverage on replacement cost rather than market value, especially important in Montana, where severe hailstorms and flooding push up construction costs after major weather events. Guaranteed or extended replacement cost options cover rebuilding expenses that exceed your policy limits. Add wind/hail coverage, flood insurance and extended replacement cost to match your property's weather risks.

Match Service Preferences to Provider Strengths

Digital-first insurers like Lemonade, Hippo and Root excel at online policy management and quick digital claims processing. Traditional providers like State Farm, Farmers and Allstate offer extensive local agent networks for face-to-face support. Choose based on your preferred interaction style and don't pay premium prices for services you won't actually use.

MONTANA HOME INSURANCE RISKS

Montana experienced over 1,000 wildfires in 2021 alone, according to the Montana Department of Natural Resources and Conservation. Standard homeowners insurance covers wildfire damage to your property but doesn't cover flood damage that can occur after fires. You'll need separate flood insurance through your insurer or the National Flood Insurance Program.

Top-Rated Home Insurance Companies in Montana: FAQ

Explore our FAQ section for answers to common questions about selecting the right Montana home insurance provider for your needs.

Does home insurance cover damage from fallen trees in Montana?

Home insurance covers fallen tree damage to your house when wind, lightning or other covered perils cause the tree to fall. However, coverage excludes trees that fell due to rot or neglect. Tree removal is covered only if the tree damaged a covered structure, and most policies limit removal costs to $500 to $1,000 per tree.

What's the difference between replacement cost and actual cash value coverage?

Replacement cost coverage pays to rebuild your home or replace belongings at current market prices without factoring in depreciation. Actual cash value coverage deducts depreciation based on your property's age and condition, resulting in lower claim payments. While actual cash value policies cost less upfront, you'll pay more out of pocket when filing a claim.

Does home insurance cover sinkholes in Montana?

Most Montana home insurance policies exclude sinkhole damage from standard coverage. Montana does not require insurers to provide sinkhole protection, though homeowners can purchase it as an endorsement to their existing policy. Southwestern Montana faces elevated risk due to limestone formations that make sinkholes more likely. Review your policy's exclusions and consider adding sinkhole coverage if you live in a high-risk area.

Can I get home insurance if I have a trampoline or swimming pool?

You can get home insurance with a trampoline or swimming pool, though Montana insurers view these as liability risks. Most companies require safety measures: nets and padding for trampolines, fencing and self-closing gates for pools. Expect higher premiums or coverage exclusions. Some insurers require additional liability protection. Carry at least $300,000 in liability coverage to protect against injury claims.

Our Methodology: Determining the Best Montana Home Insurers

Montana homeowners deal with tornado risks, hurricane exposure and fluctuating construction costs. Our ranking system weighs affordable premiums, quality coverage and reliable claims handling.

We scored insurers across three factors:

Affordability (55%): We compared rates for identical coverage across major providers and evaluated discount availability.

Customer satisfaction (30%): J.D. Power ratings, Trustpilot reviews and app feedback reveal how insurers handle claims after storms damage your home.

Coverage options (15%): We assessed add-on availability, including water backup protection and inland flood options for Montana's risks.

Our Sample Profile

Rates reflect a homeowner aged 41-60 with good credit and no prior claims insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 personal liability coverage and a $1,000 deductible.

Your rates will vary based on your home's age, location, claims history and credit score.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »

sources

The Montana Department of National Resources & Conservation. "Current Fire Information." Accessed January 22, 2026.