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2024

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Best Homeowners Insurance Agencies in Missoula, MT

Our Recommended Top 10

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Our goal is to connect people with the best local professionals. We scored Missoula 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.

50Reviewed

34Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

240 South Trail, Florence, MT 59833

Expertise.com Rating

Review Sources

Facebook
5.0 (5)
Google
5.0 (1)

Why choose this provider?

Compass Insurance Group is an independently owned and operated business providing insurance choices to Missoula clients. Its agents offer a Montana home insurance policy that covers losses, including vandalism, theft, falling objects, smoke, and fire incidents. The coverages of its home insurance policies include medical payments, additional living expenses, personal liability, dwelling, and special possessions. Compass Insurance Group represents American General Life Companies, Progressive, Liberty Mutual, and Foremost Insurance Group.

  • Renter's Insurance
  • Multiple Policy Types

425 South Orange Street, Missoula, MT 59801

Expertise.com Rating

Review Sources

Google
4.4 (15)
Yelp
1.0 (1)

Why choose this provider?

Toby Hansen Agency Inc. has been offering personal and commercial insurance options for clients in Missoula and the surrounding communities since 1995. It caters both to new clients looking for financial security over their private residences, and existing homeowners' insurance policyholders with services such as payments and claims. The homeowners' insurance policy protects the client's house and its contents in the unfortunate event of a fire and other disasters such as wind, hail, water damage, and theft.

  • Multiple Policy Types

321 West Broadway Street, Missoula, MT 59802

Expertise.com Rating

Review Sources

Google
5.0 (10)

Why choose this provider?

Stockman Insurance Missoula Downtown is an insurance business that protects properties and assets with proper home insurance coverages. Its agents offer homeowners' insurance plans that safeguard clients' family members, dwellings, and personal belongings. Individuals can apply for broader coverage under the scheduled property insurance to protect valuable items such as jewelry and collectibles. The company also provides additional living expenses when policyholders are displaced from their homes due to covered losses.

  • Flood
  • Multiple Carriers

249 West Front Street, Missoula, MT 59802

Expertise.com Rating

Review Sources

Google
5.0 (7)
Yelp
5.0 (1)

Why choose this provider?

Marcure Insurance is a locally-operated insurance company addressing insurance concerns in Missoula. Its agents provide homeowners' insurance choices to clients looking for property and asset protection. The company can assist landlords in protecting their properties from risks posed by tenants through liability coverage. The team can also safeguard prized possessions such as jewelry, antiques, and collectibles under scheduled personal property coverage. Other coverages include medical expenses, additional living expenses, and protection of homes and belongings.

  • Multiple Carriers
  • Multiple Policy Types

1008 Burlington Avenue, Missoula, MT 59801

Expertise.com Rating

Review Sources

Google
4.4 (21)

Why choose this provider?

Montana Central Insurance is an independent insurance agency licensed to operate in Missoula & superior Montana areas. They have home insurance specialists who can assist clients in choosing their comprehensive insurance. Their policy coverages include liability, personal property, living and medical expenses, and property coverage. Apart from the basic policy, clients may also include jewelry insurance, personal umbrella, automobile, flood, and earthquake insurance. The company also provides additional lines of insurance like rental dwelling and vacation homes.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

1821 South Avenue West, Missoula, MT 59801

Expertise.com Rating

Review Sources

Google
5.0 (27)
Facebook
5.0 (10)

Why choose this provider?

Rollins Insurance Agency is an independent insurance company that offers homeowners coverage for clients in Missoula. It appraises a home's risk level of incurring damages from extreme weather, criminal acts, or unexpected fires. Based on the appraisal, the company offers general protection plans and recommends add-ons for specific risks like medical liability and loss of jewelry. Founder Josh Rollins had over 20 years of experience in handling homeowners, auto, and farmland insurance prior to opening the company in 2019.

  • Homeowners

401 South Orange Street, Missoula, MT 59801

Expertise.com Rating

Review Sources

Google
4.7 (7)
Facebook
5.0 (1)

Why choose this provider?

Summit Insurance Agency, Inc., offers personal and business insurance solutions in the Missoula area. This company works with different insurance carriers to help homeowners find appropriate coverage options for their homes and possessions. Its insurance agents assist in determining potential risks and walk clients through available coverage packages, including settlements for losses arising from covered events, such as theft, fire, vandalism, and hail. They also help ensure homeowners obtain adequate financial protection for injury-related liability and medical expenses.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

3420 South Reserve Street, Missoula, MT 59801

Expertise.com Rating

Review Sources

Google
4.8 (24)
Facebook
5.0 (7)
Yelp
2.5 (3)

Why choose this provider?

Riley McGiboney - State Farm Insurance Agent is an agency providing clients with homeowners insurance policies in the Missoula area. Led by Riley McGiboney, this agency works with clients to help them obtain insurance coverage for their home. It gather clients' information and its team provides complimentary quotes and answers clients' questions regarding their coverage options. Mr. McGiboney maintains a current license and he has been in the insurance industry for over 20 years.

  • Renter's Insurance
  • Multiple Policy Types

3709 Brooks Street, Missoula, MT 59801

Expertise.com Rating

Review Sources

Google
5.0 (26)
Facebook
5.0 (11)
Yelp
5.0 (1)

Why choose this provider?

Treasure State Insurance is a locally owned insurance agency in Missoula. It delivers insurance policies for homeowners that generally cover damages and losses caused by fire, explosions, hail, lightning, and theft. Coverages that could also be included in homeowners' insurance are replacement costs that pay for the repair or replacement of damaged structures and personal possessions coverage, which pay for the replacement of stolen or destroyed valuable items. The agents can write other coverages in the policy, depending on the clients' insurance needs.

  • Multiple Carriers
  • Multiple Policy Types

619 Southwest Higgins Avenue, Missoula, MT 59803

Expertise.com Rating

Review Sources

Google
5.0 (15)
Facebook
5.0 (1)

Why choose this provider?

Sharkey Insurance has been helping individuals and businesses by providing a wide range of insurance products and services since 1975. This independent insurance agency services Missoula and nearby areas. Its group of advisors offers homeowners' insurance to financially protect clients from damages due to theft, vandalism, falling debris, hail, and fire incidents. The policy can be customized according to each client's living situation and the types of coverages they prefer. Sharkey Insurance is licensed in Idaho, Washington, Montana, Wyoming, and Arizona.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Compass Insurance Group
240 South Trail, Florence, MT 59833
Toby Hansen Agency Inc.
425 South Orange Street, Missoula, MT 59801
Stockman Insurance Missoula Downtown
321 West Broadway Street, Missoula, MT 59802
Marcure Insurance
249 West Front Street, Missoula, MT 59802
Montana Central Insurance
1008 Burlington Avenue, Missoula, MT 59801
Rollins Insurance Agency
1821 South Avenue West, Missoula, MT 59801
Summit Insurance Agency, Inc.
401 South Orange Street, Missoula, MT 59801
Riley McGiboney - State Farm Insurance Agent
3420 South Reserve Street, Missoula, MT 59801
Treasure State Insurance
3709 Brooks Street, Missoula, MT 59801
Sharkey Insurance
619 Southwest Higgins Avenue, Missoula, MT 59803

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What are the determining factors for the cost of homeowners insurance in Missoula?

    In Missoula, home value and location are key factors, with higher property values and increased crime risks often leading to higher premiums. The age of the home also matters, as older properties may have higher premiums due to potential vulnerabilities. Deductible choices can also affect costs, with higher deductibles potentially lowering premiums. Lastly, coverage limits are a factor, as higher limits provide more protection but can result in slightly higher premiums for Missoula homeowners.

  • What additional coverage can you add to your standard homeowners insurance for extra protection in Missoula?

    Missoula residents can bolster their standard homeowners insurance with additional coverages, including identity theft coverage, Valuables Plus for valuable items, dwelling replacement cost, water backup coverage, earthquake coverage, and flood insurance. Note that these optional coverages come with a deductible, allowing residents to customize their insurance to suit their unique needs and concerns.

  • Why is it important to review the declaration page of a homeowners insurance policy in Missoula?

    Reviewing the homeowners insurance's declaration page in Missoula is crucial because it holds vital policy details, including the policyholder's name, policy number, and coverage period. It also outlines key home information like construction year and security features. The declaration page specifies coverage types for the dwelling, personal belongings, and more. Homeowners can spot discounts, endorsements, or add-ons to improve their coverage.

  • What is a modified replacement cost policy in Missoula?

    A modified replacement cost policy covers repairing or replacing older home features, like plaster walls and wooden floors using contemporary building materials and techniques. Not all insurers offer this type of coverage for older homes due to the expense of recreating unique features. If opting against replacement cost coverage, homeowners in Missoula should ensure their policy limits are sufficient for a house of acceptable size and quality.

  • Do insurance companies in Missoula Montana provide compensation for a damaged furnace?

    Insurance companies in Missoula offer compensation for a damaged furnace through homeowners insurance. This coverage applies to damage caused by covered perils such as fire or windstorms. However, it typically excludes wear and tear or maintenance issues. Homeowners should review their policy and consult their insurance agent for precise details on furnace coverage, deductibles, and limits.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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