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Best Homeowners Insurance Agencies in Missoula

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Compass Insurance Group logo
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Compass Insurance Group

240 South Trail, Florence, MT 59833
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  • Renter's Insurance
  • Multiple Policy Types

Business Description

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.

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
Facebook
5.0 / 5 (5)
Google
5.0 / 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.
5.0
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David Clarke Insurance Agency. Inc. - Missoula, Montana logo
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David Clarke Insurance Agency. Inc. - Missoula, Montana

4404 Expressway, Missoula, MT 59808
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Business Description

David Clarke Insurance Agency. Inc. - Missoula, Montana provides personalized insurance solutions to businesses, families, and individuals in Missoula. The company's professionals offer homeowners' insurance to protect the client's home and prized possessions from any misfortunes. The home insurance policy covers the replacement and rebuilding costs, additional living expenses, and liability to others. Its team of advisors also provides business liability, individual and group health, disability, workers' compensation, and umbrella insurance services.

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 (10)
Facebook
5.0 / 5 (2)

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
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Detail
Marcure Insurance logo
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Marcure Insurance

249 West Front Street, Missoula, MT 59802
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

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.

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 (7)

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
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Helpfulness
Detail
Montana Central Insurance logo
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Montana Central Insurance

1008 Burlington Avenue, Missoula, MT 59801
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  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Business Description

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.

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
4.4 / 5 (21)

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
Riley McGiboney - State Farm Insurance Agent logo
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Riley McGiboney - State Farm Insurance Agent

3420 South Reserve Street, Missoula, MT 59801
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  • Renter's Insurance
  • Multiple Policy Types

Business Description

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.

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 (24)
Facebook
5.0 / 5 (7)
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
Rollins Insurance Agency logo
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Rollins Insurance Agency

1821 South Avenue West, Missoula, MT 59801
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  • Homeowners

Business Description

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.

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 (27)
Facebook
5.0 / 5 (10)

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
Sharkey Insurance logo
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Sharkey Insurance

619 Southwest Higgins Avenue, Missoula, MT 59803
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Business Description

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.

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 (15)

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
Stockman Insurance Missoula Downtown logo
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Stockman Insurance Missoula Downtown

321 West Broadway Street, Missoula, MT 59802
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  • Flood
  • Multiple Carriers

Business Description

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.

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
5.0 / 5 (10)

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
Summit Insurance Agency, Inc. logo
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Summit Insurance Agency, Inc.

401 South Orange Street, Missoula, MT 59801
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Business Description

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.

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
4.7 / 5 (7)

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
Toby Hansen Agency Inc. logo
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Toby Hansen Agency Inc.

425 South Orange Street, Missoula, MT 59801
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  • Multiple Policy Types

Business Description

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.

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
Google
4.4 / 5 (15)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Treasure State Insurance logo
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Treasure State Insurance

3709 Brooks Street, Missoula, MT 59801
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

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.

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 (26)
Facebook
5.0 / 5 (11)

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
Back to Providers

Frequently Asked Questions

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.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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