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2025

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Best Homeowners Insurance Agencies in Montana

Our Recommended Top 11

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Our goal is to connect people with the best local professionals. We scored Montana homeowners insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

625Reviewed

379Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Homeowners Insurance Agencies Serving Montana
Billings

Expertise.com Rating

Why choose this provider?

Merenz Insurance Agency started in 2009 as a captive agent with Farmers. In early 2014, the firm transitioned into an independent broker to provide the best insurance options to Montana residents. Its products include homeowners' insurance with four coverage options: dwelling, other structures, personal property, and loss of use. The Merenz team also offers insurance for automobiles, recreational vehicles, and businesses. Owner and agent Jeanette Albrecht began in the industry in 1995 with Mutual of Omaha.

Best Homeowners Insurance Agencies Serving Montana
Missoula

Expertise.com Rating

Review Sources

Google
4.7 (9)

Why choose this provider?

Summit Insurance Agency Inc. guides clients in seeking the best coverage options in Montana. Its team of agents designs homeowners' insurance products for people buying their first homes, relocating to the state, or looking to compare existing policies. These protection plans include payments for dwelling damage, personal liabilities, additional living expenses, and medical costs. The firm is owned by husband and wife Tom and Becky Monaghan, who hold the Certified Insurance Counselor and Certified Insurance Service Representative designations.

Best Homeowners Insurance Agencies Serving Montana
Missoula

Expertise.com Rating

Why choose this provider?

Marcure Insurance is an independently owned and locally operated business based in Montana. Through its partnership with many carriers, such as Liberty Mutual and Progressive, its team offers the best coverage plans under personal and commercial insurance. Its products include homeowners' insurance, which pays for disaster-related damage to the dwelling, personal liabilities, medical payments, and additional living expenses. The company also provides insurance for families living in condominiums and rental units. Additionally, Marcure Insurance writes workers' compensation, errors and omissions, commercial auto, and umbrella policies.

Best Homeowners Insurance Agencies Serving Montana
Billings

Expertise.com Rating

Why choose this provider?

Jalbert Insurance Agency caters to clients in Montana. It designs homeowners' insurance policies with several add-on options, including identity theft, personal offense, contents replacement, and valuable articles coverage. Whether insuring a condo, townhouse, or mobile home, its agents compare products among different carriers to find the one that best fits the customers' needs. Commercial insurance plans are also available. The company is owned by Mary Jalbert, who has been in the industry for more than two decades.

Best Homeowners Insurance Agencies Serving Montana
Missoula

Expertise.com Rating

Review Sources

Google
5.0 (8)
Yelp
3.5 (3)

Why choose this provider?

Stockman Insurance Missoula Downtown offers the best homeowners' insurance plans in the Montana area. Its team of agents crafts policies with coverages for the properties and the contents inside the premises. In addition, the products protect the insured from injury liabilities and additional living expenses. Insurance plans for rental single-family homes, duplexes, and apartments are also available. Stockman is a family-owned business that also operates the state's largest agricultural bank. The financial firm has been serving the community since 1953.

Best Homeowners Insurance Agencies Serving Montana
Missoula

Expertise.com Rating

Review Sources

Google
4.5 (27)

Why choose this provider?

Montana Central Insurance is an independent agency offering the best personal and commercial protection in the state. Its staff furnishes homeowners' insurance policies, which cover the insured from financial losses in case of property damages and liabilities related to natural disasters and accidents. In addition, its agents arrange insurance products for rental dwellings and vacation homes. Montana Central Insurance is a member of the PIA. It works with multiple carriers, including Allstate, Nationwide, Foremost, and the Hartford.

Best Homeowners Insurance Agencies Serving Montana
Billings

Expertise.com Rating

Review Sources

Google
5.0 (147)
Facebook
4.9 (20)

Why choose this provider?

Thurston Family Insurance LLC is a veteran-owned business offering cheap homeowners' insurance in Montana. Its team writes homeowners' policies that include property damage and loss coverages due to fire, lightning, hail, explosions, and theft. The agents also work with renters in the area looking to insure their personal belongings and themselves against liabilities. Founders Marc and Vicki Thurston both have over 20 years of experience in the field. They established Thurston Family Insurance in 2011.

Best Homeowners Insurance Agencies Serving Montana
Florence

Expertise.com Rating

Why choose this provider?

Woman-owned Compass Insurance Group caters to clients in Montana. The company assists people in securing homeowners' insurance policies, comprising reimbursements for dwelling damage, personal liabilities, additional living expenses, and medical costs. In addition, its team handles insurance products for landlords and renters. Owner and senior insurance specialist Julie Richter has been leading Compass, the best brokerage firm in the area, since 2014. Richter's professional experience includes working as a senior insurance specialist for AAA and insurance producer for Allstate and Bankers Life and Casualty Company.

Best Homeowners Insurance Agencies Serving Montana
Missoula

Expertise.com Rating

Why choose this provider?

Toby Hansen Agency, Inc., is the best insurance service provider serving clients across Montana. It offers various insurance solutions, including homeowner's insurance plans. It assists property owners looking to protect their homes against water, wind, and hail damage. It also offers insurance plans that include coverage for theft and liability. The agency provides insurance policies for various property types, such as bungalows and townhouses. It represents over 100 insurance carriers in the market and comprises insurance specialists with over 40 years of combined industry experience.

Best Homeowners Insurance Agencies Serving Montana
Missoula

Expertise.com Rating

Review Sources

Google
4.8 (51)
Facebook
5.0 (13)
Yelp
2.5 (3)

Why choose this provider?

Riley McGiboney operates the best local State Farm insurance agency in Montana. McGiboney writes homeowners' insurance plans, which protect the insured from financial burden when natural disasters strike. This type of insurance also covers unforeseen events like fire, theft, and vandalism. Clients may also choose to add liability coverage and pet medical insurance to their standard policies. Other State Farm products, such as auto, life, and health insurance, are available. In addition, Riley McGiboney assists people with banking, mutual funds, and annuities.

Best Homeowners Insurance Agencies Serving Montana
Billings

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Since 1978, State Farm insurance agent Don Lillis has been providing the best coverages in Montana. His office arranges homeowners' insurance plans, which protect the insured from financial difficulties in case natural disasters or thieves strike. In addition, he offers beneficial add-ons like liability coverage and pet medical insurance. Don Lillis has a business degree and earned his Chartered Life Underwriter designation in 1987. He also assists individuals and families interested in State Farm's life insurance programs.

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
merenzinsuranceagency.com
812 Central Avenue, Billings, MT 59102
Summit Insurance Agency, Inc.
401 South Orange Street, Missoula, MT 59801
Marcure Insurance
249 West Front Street, Missoula, MT 59802
Jalbert Insurance Agency
1132 Central Avenue, Billings, MT 59102
Stockman Insurance Missoula Downtown
321 West Broadway Street, Missoula, MT 59802
Montana Central Insurance
1008 Burlington Avenue, Missoula, MT 59801
Thurston Family Insurance LLC
223 Shiloh Road, Billings, MT 59106
Compass Insurance Group
240 South Trail, Florence, MT 59833
Toby Hansen Agency Inc.
425 South Orange Street, Missoula, MT 59801
Riley McGiboney - State Farm Insurance Agent
3420 South Reserve Street, Missoula, MT 59801
Don Lillis - State Farm Insurance Agent
1948 Grand Avenue, Billings, MT 59102

Montana Homeowners Insurance Agency FAQs

  • Are you required to buy homeowners’ insurance in Montana?

    No, you are not required by law to buy an insurance policy for your home. Still, it is a good idea to do so because Montana faces several natural disaster threats, like wildfires, thunderstorms, floods, winter storms, and earthquakes. Having homeowners’ insurance increases your chances of financial recovery should any of these damage your home. If you are taking out a mortgage, the lender may also require you to buy a policy.

  • Does a home insurance policy in Montana cover winter storm damage?

    Yes, homeowners insurance in Montana covers this, excluding HO-1 policies that only offer primary structure coverage. Risks such as frozen pipelines, cracked water heaters, the weight of snow or ice, and falling objects such as tree branches are covered. Winter-related damage is common in the state, especially for those residing near the Rocky Mountains, where snowfall can get as deep as 300 inches per year.

  • How does Montana compare to other states in terms of home insurance costs?

    The average cost of insuring a home in Montana, which is $1,736 annually, is higher than in nearby states. Homes in Wyoming cost around $954 to insure, while the average premium in Idaho is $905. Coverage in Montana is also more expensive than the nationwide average of $1,428 per year. This might be due to the higher wildfire and storm damage potential of the homes in the state.

  • Where in Montana can you buy a less expensive home insurance policy?

    You could pay less for homeowners’ insurance if your house is in Evergreen, where the average insurance rate is $1,357 per year. Other cities in Montana with lower annual premiums are Whitefish, where policies average $1,435; Columbia Falls, $1,437; Belgrade, $1,497; and Missoula, $1,511. There are still ways to save on your premium if you live outside these cities, such as bundling your policy with auto insurance.

  • Should you fix the roof of your house in Montana before purchasing insurance?

    Yes, because fixing or replacing your roof can land you a lower monthly premium on your home insurance policy. Since snowstorms are common in Montana, insurers see old or damaged roofs as high-risk, and some would offer premium discounts for newer roofs. If you can afford it, reinforce your roof with weather-resistant materials.

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