{"id":324399,"date":"2025-11-11T16:10:37","date_gmt":"2025-11-11T21:10:37","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=84718"},"modified":"2025-11-12T13:47:18","modified_gmt":"2025-11-12T18:47:18","slug":"best-in-montana","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-montana\/","title":{"rendered":"The Best Homeowners Insurance Companies in Montana for 2025"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"Best Montana Homeowners Insurance Company Review\"><\/span>\n    \n\n\n<p>The <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\" class=\"achor-toggles\">best homeowners insurance<\/a> in Montana is the one that fits your needs and budget. Whether you\u2019re looking for strong discount opportunities, want to bundle your home and auto insurance together, or build a comprehensive plan, Reviews.com has you covered. We analyze multiple, current data sources from dozens of insurers \u2014 including recent Bankrate\/Quadrant rate datasets, third\u2011party quality measures, and market context \u2014 to identify the best home insurance companies in Montana today.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 4 Best Home Insurance Companies in Montana<\/h2>\n\n\n\n<ul>\n<li><a href=\"#state-farm\" rel=\"nofollow\" class=\"achor-toggles\"><strong>State Farm<\/strong><\/a><strong>:<\/strong> Best for bundling with auto insurance<\/li>\n\n\n\n<li><a href=\"#farmers-insurance\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Farmers Insurance<\/strong><\/a><strong>:<\/strong> Best for new and renovated homes<\/li>\n\n\n\n<li><a href=\"#usaa\" rel=\"nofollow\" class=\"achor-toggles\"><strong>USAA<\/strong><\/a><strong>:<\/strong> Best for military-centric coverage<\/li>\n\n\n\n<li><a href=\"#allstate\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Allstate<\/strong><\/a><strong>:<\/strong> Best variety of coverage options<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"compare\" title=\"Compare\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Compare the Best Home Insurance Companies in Montana<\/h2>\n\n\n\n<p>To find the best home insurance in Montana, we analyzed recent (2024\u20132025) quoted-rate datasets from Bankrate\/Quadrant, each company\u2019s policy offerings and discounts, customer satisfaction signals from J.D. Power, and financial strength from AM Best. Our research indicates the top providers in Montana continue to include State Farm, Farmers Insurance, USAA and Allstate.<\/p>\n\n\n\t\t\n<section id=\"block_622651d1d16e0\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\"><\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Annual Premium for $250K in Dwelling Coverage*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best Rating\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power Customer Satisfaction Score**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_622651d1d16e0-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,079<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>835<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_622651d1d16e0-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Farmers Insurance<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,597<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>813<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_622651d1d16e0-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA**<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,178<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>882<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_622651d1d16e0-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,177<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A-<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>829<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information accurate as of November 2025&nbsp;<\/em><\/p>\n\n\n\n<p><em>*Premium benchmarks are based on recent Bankrate\/Quadrant datasets; averages vary by coverage level and ZIP code.<\/em><\/p>\n\n\n\n<p><em>**<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" aria-label=\"J.D. Power 2021 Home Insurance Study (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">J.D. Power 2021 Home Insurance Study<\/a>. USAA is not eligible for official ranking due to eligibility requirements.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"state-farm\" title=\"Best for Bundling With Auto Insurance\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">State Farm<\/h2>\n\n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Bundling With Auto Insurance<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                State Farm is a well-recognized insurance company, especially for its home and auto insurance products. Bundling your home and auto insurance together at a single carrier can be a solid savings opportunity and lets you access robust coverage through a large agent network.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331752-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$2,079<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">835<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                State Farm is a well-recognized insurance company, especially for its home and auto insurance products. Bundling your home and auto insurance together at a single carrier can be a solid savings opportunity and lets you access robust coverage through a large agent network.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Easy-to-use mobile app and access to a local agent make policy management easy<\/li>\n                            <li>Above-average financial strength rating from AM Best<\/li>\n                            <li>J.D. Power scores indicate a high measure of customer satisfaction<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Average premium is slightly higher than the average cost of home insurance in Montana<\/li>\n                                    <li>Add-on coverage options may be more standard<\/li>\n                                    <li>Discount opportunities may be limited<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Other Policies Offered<\/h4>\n                <div> <ul>\n<li>Life insurance<\/li>\n<li>Renters insurance<\/li>\n<li>Farm and ranch insurance<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Standout Discounts Available<\/h4>\n                <div> <ul>\n<li>Roofing discount<\/li>\n<li>Multiple policy discount<\/li>\n<li>Home security discount for qualified home monitoring systems<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"farmers-insurance\" title=\"Best for New and Renovated Homes\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Farmers Insurance<\/h2>\n\n\n                                                \n\n\n<section id=\"farmers-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Farmers Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for New and Renovated Homes<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Farmers offers three customizable packages for its homeowners policy to help make the home insurance process easier, with useful options for homeowners with new or renovated homes, including Eco-Rebuild coverage. Homeowners can choose from the Standard, Enhanced and Premier options depending on their needs and then further adjust limits to build the right policy.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=317128-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$2,597<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">813<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Farmers offers three customizable packages for its homeowners policy to help make the home insurance process easier, with useful options for homeowners with new or renovated homes, including Eco-Rebuild coverage. Homeowners can choose from the Standard, Enhanced and Premier options depending on their needs and then further adjust limits to build the right policy.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Special add-on coverage options available to build a robust homeowners insurance policy<\/li>\n                            <li>Emphasis on using eco-friendly materials while rebuilding with its optional Eco-Rebuild coverage<\/li>\n                            <li>Large variety of insurance products to help build a comprehensive insurance plan<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Average annual premium is higher than the national average<\/li>\n                                    <li>National Association of Insurance Commissioners (NAIC) complaint index of <a href=\"https:\/\/content.naic.org\/consumer\/complaint-index\" rel=\"noopener\" target=\"_blank\">above 1.0<\/a>, indicating more complaints than expected (1.0 = expected)<\/li>\n                                    <li>J.D. Power customer satisfaction score is below the average baseline of 825<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Other Policies Offered<\/h4>\n                <div> <ul>\n<li>Collectible car insurance<\/li>\n<li>Property insurance for all types of dwellings like mobile homes, vacant homes, condominiums and more<\/li>\n<li>Life insurance<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Standout Discounts Available<\/h4>\n                <div> <ul>\n<li>Claims-free discount<\/li>\n<li>Non-smoking discount<\/li>\n<li>Multiple policy discount<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"usaa\" title=\"Best for Military-centric Coverage\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">USAA<\/h2>\n\n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-centric Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                USAA consistently appears at or near the top of J.D. Power\u2019s customer satisfaction rankings, although it is not officially ranked due to eligibility restrictions. You must be a current or former member of the military community or an eligible family member to purchase a policy \u2014 but if you are, the company can be a strong option with coverage features tailored to military life.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.dpbolvw.net\/click-5941215-10998643?sid=\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,178<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">882<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                USAA consistently appears at or near the top of J.D. Power\u2019s customer satisfaction rankings, although it is not officially ranked due to eligibility restrictions. You must be a current or former member of the military community or an eligible family member to purchase a policy \u2014 but if you are, the company can be a strong option with coverage features tailored to military life.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Outstanding customer service ratings from J.D. Power<\/li>\n                            <li>Policies tailored to military family needs<\/li>\n                            <li>Competitive pricing when compared to average rates<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Only available to current and former military members and their eligible family members<\/li>\n                                    <li>Limited discounts<\/li>\n                                    <li>In-person agency locations may be limited<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Other Policies Offered<\/h4>\n                <div> <ul>\n<li>Life insurance<\/li>\n<li>Landlord insurance<\/li>\n<li>Renters insurance<\/li>\n<li>Umbrella insurance<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Standout Discounts Available<\/h4>\n                <div> <ul>\n<li>Home and auto bundle<\/li>\n<li>Claims-free<\/li>\n<li>Home security system discount<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"allstate\" title=\"Best Variety of Coverage Options\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Allstate<\/h2>\n\n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Variety of Coverage Options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate makes it easy for homeowners to tailor their home insurance to their needs with special coverage options. These policy add-ons include identity theft restoration, scheduled personal property and even its HostAdvantage\u00ae for those who share their home with renters.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,859480,11659822&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/Affiliate-home-desktop.html?CID=AFF-REV-HO-074205-200616&#038;campaign=444490000074205&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325257-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$2,597<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A-<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">829<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate makes it easy for homeowners to tailor their home insurance to their needs with special coverage options. These policy add-ons include identity theft restoration, scheduled personal property and even its HostAdvantage\u00ae for those who share their home with renters.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>J.D. Power customer satisfaction score is above average<\/li>\n                            <li>Large network of in-person local agencies<\/li>\n                            <li>Mobile app accessibility for policy management and payment<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Average premium is slightly more expensive than the national average<\/li>\n                                    <li>AM Best financial strength rating is not as high compared to other top insurance carriers we reviewed<\/li>\n                                    <li>Discount opportunities may be limited<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Other Policies Offered<\/h4>\n                <div> <ul>\n<li>Motorcycle insurance<\/li>\n<li>Renters insurance<\/li>\n<li>Condominium insurance<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Standout Discounts Available<\/h4>\n                <div> <ul>\n<li>Multiple policy<\/li>\n<li>Claims-free<\/li>\n<li>Welcome &amp; loyalty discount<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-cost\" title=\"Average Cost\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Cost of Homeowners Insurance in Montana<\/h2>\n\n\n\n<p>In Montana, the <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/homeowners-insurance-cost\/\">average cost of homeowners insurance<\/a> typically lands in the mid\u2013$2,000s per year for a policy with $250,000 in dwelling coverage. As coverage limits increase, averages generally rise into the high\u2013$2,000s for $300,000 and the low\u2013$3,000s for $350,000 in dwelling coverage. As of 2025, Montana\u2019s statewide average is above the U.S. average, reflecting higher rebuilding costs and wildfire\/severe-weather exposure. Your price will vary by ZIP code, home characteristics and deductible.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Average Homeowners Insurance in Montana by Coverage Level<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Coverage level (HO-3)<\/strong><\/td><td><strong>Typical average annual premium*<\/strong><\/td><\/tr><tr><td>$250,000 dwelling coverage<\/td><td>Mid\u2013$2,000s<\/td><\/tr><tr><td>$300,000 dwelling coverage<\/td><td>High\u2013$2,000s<\/td><\/tr><tr><td>$350,000 dwelling coverage<\/td><td>Low\u2013$3,000s<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Figures reflect recent consumer rate analyses for common coverage levels; averages vary by source, ZIP code and home profile.&nbsp;<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What pushes premiums higher in Montana<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Pricing driver<\/strong><\/td><td><strong>Typical impact<\/strong><\/td><\/tr><tr><td>High wildfire exposure, older\/wood-shake roof, or limited fire protection<\/td><td>Often pushes premiums well above the statewide average<\/td><\/tr><tr><td>Lower deductibles and higher dwelling\/contents limits (incl. extended replacement)<\/td><td>Raises premiums versus baseline profiles<\/td><\/tr><tr><td>Prior claims or a weaker credit-based insurance score<\/td><td>Can materially increase rates<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Premium impacts are based on recent market analyses; individual results vary by insurer and ZIP code.&nbsp;<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"key-things\" title=\"Key Things to Know\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Key Things to Know About Homeowners Insurance in Montana<\/h2>\n\n\n\n<p>Understanding Montana\u2019s most common risks helps you tailor coverage and manage price. Wildfire exposure and severe weather have driven higher premiums and tighter underwriting in recent years, especially in WUI-adjacent ZIP codes. Ask your insurer or agent about annual coverage reviews, mitigation credits (Class A roof, defensible space, home hardening) and bundling to keep protection aligned with today\u2019s rebuilding costs and your budget.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Home insurance coverage options<\/h3>\n\n\n\n<p>A home insurance policy includes standard coverages like dwelling, personal property and liability. You can then add endorsements to better fit your needs, which may include:&nbsp;<\/p>\n\n\n\n<ul>\n<li><strong>Water damage:<\/strong> Sudden and accidental water damage (for example, from a burst pipe) is typically covered, but flooding from rising water is not. <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-is-flood-insurance\/\">Flood insurance<\/a> must be purchased separately; many homeowners buy it through the NFIP or private flood insurers.<\/li>\n\n\n\n<li><strong>Identity theft and personal cyber:<\/strong> Identity restoration endorsements can help with expenses such as credit monitoring and legal fees. Some insurers now offer broader personal cyber options for cyber fraud and data restoration; limits and terms vary.<\/li>\n\n\n\n<li><strong>Wildfire:<\/strong> <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/wildfire-season-guide\/\">Wildfires<\/a> are a key concern in parts of Montana and are generally covered in standard policies. Review your dwelling limit annually to keep pace with rebuilding costs and ask about mitigation credits for defensible space, ember-resistant vents and Class A roofing.&nbsp;<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Frequently Asked Questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n<div id=\"block_62265659d172c\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Am I required to have homeowners insurance in Montana?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">While having homeowners insurance may not be a legal requirement, your mortgage company may require you to have a policy in place. Even if you have fully paid off your mortgage, keeping an active homeowners insurance policy could help protect your finances against paying the full cost of expensive repairs in the event of a covered loss.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_62265667d172d\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Do I need flood insurance in Montana?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">It depends. It might be a good idea to check whether your home is in a designated flood zone or is at risk for flooding. Flood insurance is not part of a standard homeowners insurance policy, so you will need to purchase it separately. If you are in a designated flood zone area, you may be required by your lender to purchase flood insurance as well. Keep in mind that there is typically a waiting period for flood insurance to take effect and you are usually required to pay your entire premium in full up front.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_62265682d172f\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much home insurance do I need?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">To get an idea of how much home insurance you might need, it can help to start with your home. What is the square footage, and have you completed any recent upgrades or renovations? Do you have any high-value items that need to be insured separately with a scheduled personal property endorsement? From there, you can research construction costs in your area to estimate how much it might be if your home needed to be totally rebuilt. A licensed insurance agent can also help with this, as well as shed some insight on any special coverage options that can be added to your home insurance policy.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated companies based on third-party agency ratings for customer experience, financial stability and coverage options to determine which might be the best providers, using the latest available data for 2024\u20132025.&nbsp;<\/p>\n\n\n\n<p>To compare home insurance companies across the board, we considered the following factors:<\/p>\n\n\n\n<ul>\n<li><strong>Customer Ratings<\/strong>: Customer satisfaction ratings are a useful indicator of what your experience with a particular insurer might be like. We measured this using the latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">J.D. Power Home Insurance Study<\/a> ratings.<\/li>\n\n\n\n<li><strong>Coverage<\/strong>: As there isn\u2019t one company to fit everyone\u2019s needs, we evaluated companies by the amount of coverage options and add-ons available.&nbsp;<\/li>\n\n\n\n<li><strong>Confidence<\/strong>: It is extremely important for insurance companies to fulfill customers\u2019 claims. Companies with sound financial strength ratings indicate a positive history of being able to pay out claims. We measured this using AM Best ratings.<\/li>\n\n\n\n<li><strong>Customer Experience<\/strong>: The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We based this measure on the National Association of Insurance Commissioners Consumer Complaint Index.<\/li>\n<\/ul>\n\n\n\n<p>Rates and ranges are based on recent quoted-rate datasets from Bankrate\/Quadrant and other consumer market analyses. These are sample figures and should be used for comparative purposes only. Your quotes may be different.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul>\n<li>Coverage A, Dwelling: $250,000<\/li>\n\n\n\n<li>Coverage B, Other Structures: $25,000<\/li>\n\n\n\n<li>Coverage C, Personal Property: $125,000<\/li>\n\n\n\n<li>Coverage D, Loss of Use: $50,000<\/li>\n\n\n\n<li>Coverage E, Liability: $300,000<\/li>\n\n\n\n<li>Coverage F, Medical Payments: $1,000<\/li>\n<\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The best homeowners insurance in Montana is the one that fits your needs and budget. Whether you\u2019re looking for strong discount opportunities, want to bundle your home and auto insurance together, or build a comprehensive plan, Reviews.com has you covered. We analyze multiple, current data sources from dozens of insurers \u2014 including recent Bankrate\/Quadrant rate [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":355571,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Homeowners Insurance in Montana for 2025 | Reviews.com<\/title>\n<meta name=\"description\" content=\"We\u2019ve evaluated the largest carriers available and can reveal the most competitive option out there is AAA Mountain West.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-montana\/\" \/>\n<meta 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