Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Montana

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

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.

627Reviewed

381Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Billings

Why choose this provider?

JM Insurance Group has been writing the best coverage plans in Montana since it opened its doors in 2017. The agency helps residents protect their dwellings and themselves with homeowners' insurance. In addition, it designs policies for renters and landlords. It also covers recreational vehicles such as motorcycles, ATVs, and boats. Firm owner Jennifer Massey-Norman began in the industry in 1996, selling life insurance during her college internship. She has a background in financial advising and mortgage lending.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (84)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
Florence

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Missoula

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Missoula

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Billings

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Missoula

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (27)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Billings

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Missoula

Why choose this provider?

Sharkey Insurance serves as the source of the best coverages in Montana. The family-operated business offers homeowners' insurance plans, which cover the insured's dwelling and belongings from natural disasters and malicious mischiefs. In addition, it provides insurance solutions to renters and landlords. The agency represents many carriers, including Progressive, Nationwide, Liberty Mutual, and Travelers. Its founder, Harold Sharkey, was a claims adjuster who opened Sharkey Insurance in 1975. The company is now being run by his son, Ron.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (16)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Billings

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Billings

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (147)
Facebook
4.9 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Missoula

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Missoula

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
5.0 / 5 (8)
Yelp
3.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Missoula

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.8 / 5 (51)
Facebook
5.0 / 5 (13)
Yelp
2.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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 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.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2023

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.