The best home insurance companies in Montana are Chubb, State Farm, Nationwide, Allstate, and Farmers. Chubb ranks first for coverage options, affordability, and customer service. Compare all our top picks below.
Best Homeowners Insurance in Montana
Updated: June 20, 2025
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Key Takeaways
Our 2025 study found Montana's top three home insurance companies: Chubb, State Farm and Nationwide.
Chubb offers the best overall home insurance for most Montana homeowners. For those with newer homes, State Farm is the better option.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Montana?
| Chubb | 99 | 1 | 1 | 2 |
| State Farm | 89 | 2 | 2 | 3 |
| Nationwide | 88 | 3 | 4 | 1 |
| Allstate | 81 | 4 | 5 | 3 |
| Farmers | 79 | 5 | 3 | 5 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Though our rankings reflect the best overall providers, what’s best for you may differ based on your home type or personal needs. Below, we highlight the top insurers across major categories.
| Chubb | 99 | Overall |
| Chubb | 99 | Older Homes |
| Chubb | 99 | Newer Homes |
| Chubb | 99 | High-Fire-Risk Areas |
| Chubb | 99 | Bad Credit |
| Chubb | 99 | With Claims History |
Best Montana Home Insurance Reviews
Explore our top choices for home insurance in Montana, spotlighting leaders in affordability, exceptional customer service, and diverse coverage options.
Chubb: Best for Affordability and Customer Service
Chubb is the most affordable home insurance, holding the top spot for customer service and both claims and customer satisfaction according to J.D. Power. Also, Chubb offers unique add-ons like employment practices liability coverage for household staff, and valuable articles insurance with agreed value and breakage protection for collectibles.
Data filtered by:Results filtered by:
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
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Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes in High-Fire-Risk Areas | $33 | $398 |
| Newer Homes | $33 | $398 |
| Older Homes | $40 | $478 |
| Older Homes in High-Fire-Risk Areas | $40 | $478 |
Nationwide: Best for Coverage
For new homeowners in Montana, Nationwide is the most affordable option for homeowners insurance. It's also the top-ranked company for coverage in the state, with extensive coverage including unique add-ons like better roof replacement and doubling dwelling coverage limits. According to J.D. Power, Nationwide's customer service is strong, ranking eighth overall and fifth in claims satisfaction.
Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
| Newer Homes | $73 | $872 |
| Newer Homes in High-Fire-Risk Areas | $79 | $943 |
| Older Homes | $200 | $2,397 |
| Older Homes in High-Fire-Risk Areas | $216 | $2,592 |
How to Find the Best Home Insurance in Montana
Our easy-to-follow guide breaks down the process to help you find homeowners insurance coverage that suits your needs.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Think about your home's value, the personal belongings inside, and local risk factors.
- 2
Research costs and discounts
Figure out how much home insurance costs in Montana to see if providers truly offer savings. Additionally, explore potential discounts, such as bundling or installing home safety devices.
- 3
Find the best providers for you
After evaluating coverage and costs, find the best and cheapest home insurance in Montana. Consider factors like customer service ratings, price structure and policy endorsements.
- 4
Compare multiple providers through all means
Compare different providers. Obtain quotes through diverse channels such as online tools, direct contact with agents, or phone inquiries, as these may present varying offers.
Best Homeowners Insurance in Montana: Bottom Line
Chubb, State Farm and Nationwide are Montana's best-rated homeowners insurance companies. While these are strong recommendations, researching and comparing providers will help you find the best fit for your needs.
Best Home Insurance in Montana: FAQ
Discover answers to common questions about selecting a home insurance provider in Montana.
Which company is best for home insurance in Montana?
Chubb is the best homeowners insurance provider in Montana due to its affordability, customer service, and strong add-on coverage options. State Farm, Nationwide, Allstate and Farmers are also highly rated alternatives in the state.
Who has the most affordable homeowners insurance in Montana?
Finding the most affordable homeowners insurance in Montana hinges on your unique situation and needs. The average cost of homeowners insurance in Montana is around $1,171 annually.
How do you get the best homeowners insurance in Montana?
To find the best home insurance in Montana, determine your coverage needs, thoroughly research costs and providers and compare multiple insurance quotes.
How We Decided the Best Home Insurance in Montana: Our Methodology
We rated the best homeowners insurance providers in Montana using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.