Montana homeowners insurance

The Rocky Mountains in the west, the prairies and badlands in the east, and enormous blue skies joining them together – that's Montana, one of America's largest states. The Continental Divide runs through it, but Progressive helps Montana homeowners "keep it together" with customized and affordable home insurance to protect their property and belongings. Check out Progressive’s home insurance coverages and discounts for owner-occupied homes.

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How you're covered

Montana doesn't require homeowners insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy. Your policy's coverages are designed to safeguard your property and assets. A typical policy will include the following:

  • Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
  • Other structures coverage protects detached structures, such as a fence or shed.
  • Personal property coverage protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit, so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider.”
  • Personal liability coverage protects you financially if you're legally responsible for another person's injuries or damage to their property.
  • Medical payments to others pays for medical expenses due to a covered occurrence.
  • Loss of use coverage helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.

Keep in mind, coverage under your policy is subject to exclusions and conditions within your policy. It’s important to read your policy to understand the coverage provided.

Learn more about homeowners insurance coverages.

Common claims in Montana

In the summertime, wildfires can be prevalent in Montana. In the wintertime, that danger shifts to snowfall, along with related issues caused by cold weather, including frozen pipes. Your home insurance policy may cover damage to your home's structure and belongings caused by covered perils, up to your policy's limits (minus your deductible).

Learn more about how home insurance may cover storm damage.

Rising water levels can cause flooding issues for Montana homes regardless of the season, although it tends to be less of a concern in the summer months. A flood insurance policy may protect your property and belongings against flood damage.

Helping you save

Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:

  • Alarm System
  • Multi-policy
  • Quote in Advance
  • New Purchase

See more about the home insurance discounts we offer.

Pro tip:

Progressive’s Home Quote Explorer® tool lets you compare rates and coverages from multiple home insurers.

How much is homeowners insurance in Montana?

Your cost for Montana homeowners insurance varies based on many components, including your location, type of home, and coverage limits. Learn more about factors affecting home insurance pricing.

Are you looking to rent out a home you own in Montana?

If you own a rental property in Montana, get the right type of insurance policy to protect it. Learn more about landlord insurance policies and insurance for vacation or vacant homes.

Fun facts about homes in Montana

  1. Montana's homeownership rate is about 67.7%, only slightly higher than the national average.

  2. While on the road, Lewis and Clark made many stops including the unfortunately named "Camp Disappointment" in Browning.

  3. Lord of the Rings fans will love "The Shire of Montana" in Trout Creek. Nestled in the Cabinet Mountains lies a "Hobbit House" cabin with a Tolkien-inspired design.

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Learn more about home insurance policies.