Montana Homeowners Insurance

Living in the Treasure State

From ranching to skijoring and huckleberry pie, Montana is all about small town life. Though there are a few cities in the state, most Montanans can count their town population on two hands. If your home is in Billings or Missoula, close to the capitol in Helena or out on the prairie near Miles City, wherever you live in Montana Safeco offers insurance coverage for your home in the Last Best Place. When considering home insurance coverage in Montana, it’s important to consider how the climate and severe weather of the Rocky Mountains and Great Plains can adversely affect your home and property. Get your Montana home insurance quote today.

Montana Home Insurance Choices

Safeco Essential™

With standard coverage to help pay for repairs or to rebuild your home and other buildings on your property, Safeco Essential™ offers Montana homeowners an affordable blend of home insurance coverage and value.

Safeco New Quality-Plus™

For Montana homeowners looking for more than our standard level of coverage, Safeco New Quality-Plus™ offers additional coverage and higher limits than Safeco Essential™.

Safeco Optimum™

Montana homeowners who need additional coverage for extensive assets and treasured belongings should consider Safeco Optimum™ with its increased levels of protection.

Montana Home Insurance Discounts

Safeco offers several ways for Montanans to lower your homeowners insurance rate. Talk to your local Safeco insurance agent about ways to save with Montana home insurance discounts.

Advance Quote

New Safeco customers with a policy that starts at least one day after receiving a quote are eligible for a discount. Get your Montana homeowners insurance quote today and start saving tomorrow.

More Than One Policy

Montanans who also have an active auto or umbrella policy with Safeco may qualify for a homeowners insurance discount.

Montana Home Insurance Coverage Options

All Safeco Montana homeowners insurance policies come packed with standard coverage to help pay for repairs or to rebuild your home and other buildings on your property. Also called endorsements or riders, Montanans have the option to choose even more types of home insurance coverage in addition to our many popular home insurance coverage options.

Earthquake Insurance

Earthquake damage coverage is available in Montana for frame, masonry and masonry veneer homes.

Above and Beyond

Get an additional 25% or 50% more protection than the limit stated in your policy. In the event of a major or total loss to your home, extended dwelling coverage will help pay for unexpected repair or rebuilding costs that exceed the amount covered by your base Montana homeowners insurance policy.

Home Business

Coverage for property, merchandise and liability related to some types of home-based businesses such as music lessons, tutoring and accounting can be added to your Montana homeowners policy.

Home Day Care

Get liability coverage for home day care services provided in your home for up to three people.

Hobby Farm Insurance

If your farm is not your main source of income and meets certain eligibility requirements, incidental farming coverage helps cover the cost of damage to your farm property, tools and equipment and for animal collisions. Your home insurance liability coverage is extended to your hobby farm and adds medical payments for farm employees. Ask your Safeco agent if hobby farm insurance is right for you and your farm.

Libel and Slander

Protection for nonphysical injuries like libel and slander are not part of a standard home insurance policy. Add personal offense coverage to help protect yourself against libel and slander liability.

Severe Weather and Acts of Nature in Montana

Flooding in Montana

Rainfall and melting snow in the Montana spring is a common source of swollen rivers and flooding in the state. In 2011 portions of Interstate 90 were shut down when the Little Bighorn River and the Yellowstone River flooded.

Does home insurance cover flood damage in Montana?

Flood damage is not covered by a standard homeowners insurance policy. To insure your home against flood damage, you need to purchase flood insurance backed by the National Flood Insurance Program. Learn more about floods on the Flood Smart website.

Wildfires in Montana

Wildfires have been started naturally for millions of years. But they also get their start by human error and carelessness. In the summer of 2000 a massive wildfire near Helena, Mont., was started by charcoal dumped from a barbecue and burned through 24,000 acres in just two days.

Does home insurance cover wildfire damage?

Most standard home insurance policies typically cover the cost to repair common wildfire damage to your home and personal belongings.

Thunderstorms and Lightning

Thunderstorms bring high winds, lightning and hail. Lightning can start wildfires and cause electrical surges that damage home electronics. Lightning and high winds can also knock over trees and tree branches that can cause damage your home or your neighbor’s home and property.

Are lightning strikes covered by home insurance?

The cost to repair common lightning and wind damage associated with thunderstorms is covered as part of a typical home insurance policy.

Montana Hail

Hail the size of golf balls has been known to fall from the sky in Montana. Hail is capable of causing significant damage to shingled roofing, skylights and windows.

Does home insurance cover hail damage?

Your homeowners insurance policy typically covers the cost to repair common hail damage to your roof, siding and personal belongings.

Winter Weather in Montana

Montana winters are cold and snowy. In regions east of the Continental Divide, below freezing temperatures with biting wind chill are common. Though western Montana generally stays warmer than the east, it generally receives more snow and can have its fair share of frigid temperatures. Common winter weather problems include frozen pipes, roof collapse from snow, falling trees and branches, ice dam damage and cracked foundations.

Cold winter temperatures can:

  • Freeze and burst pipes
  • Damage gutters and shingles

Heavy, wet snow can:

  • Overload and collapse your roof
  • Break tree branches that fall and damage your home

Is damage from winter weather covered by home insurance?

Your home insurance policy typically helps cover the cost to repair common winter weather damage to your roof, plumbingand personal belongings.

Tornadoes in Montana

Tornadoes are rare in Montana but they do occasionally form. In the summer of 2010, an EF2 tornado caused significant damage in Billings, Mont. In that same summer an EF3 tornado was tracked in the northeast corner of the state near Medicine Lake. Montana had an average of 10 tornadoes per year between 1991 and 2010.

Is tornado damage covered by home insurance in Montana?

Most standard home insurance policies cover the cost to repair damage caused by a tornado.

Earthquakes in Montana

According to the U.S. Geological Survey Montana is one of the most seismically active regions in the country and ranks it in the top ten earthquake states. In 1959 the Hebgen Lake earthquake triggered a landslide that blocked the Madison River and formed a new body of water called Quake Lake. Most earthquake activity in Montana takes place in the western part of the state.

Does home insurance cover earthquake damage?

Earthquake damage is an optional coverage in Montana for frame, masonry and masonry veneer homes. Talk to your local Montana Safeco insurance agent about adding coverage for earthquake damage to your Montana home insurance policy.

© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.