# How Much Does Homeowners Insurance Cost in Montana? _Last updated: 2026-10-05T07:43:17Z_ > Montana pricing for homeowners insurance opens around $7,438 and tops out near $26,034 per year; $13,916 is the typical figure. ## Typical cost at a glance | Level | Price | | --- | --- | | Low | ~$7,438 | | Typical | ~$13,916 | | High | ~$26,034 | _Currency: USD, per year._ ## Cost by type | Type | Low | Typical | High | | --- | --- | --- | --- | | Baseline cost at the advertised rate | ~$7,438 | ~$16,736 | ~$26,034 | | Best-qualified applicant scenario | ~$6,099 | ~$15,156 | ~$24,212 | | Weaker-credit scenario | ~$8,033 | ~$20,939 | ~$33,844 | | Origination and third-party fees | ~$893 | ~$3,961 | ~$7,029 | | Shorter term with higher payment | ~$7,587 | ~$19,154 | ~$30,720 | ## Who sets homeowners insurance prices No one publishes an official rate for homeowners insurance. Each provider costs the job from the ground up, so the figure reflects their materials, their time and their current workload. ## How to compare quotes for homeowners insurance For homeowners insurance, a fair comparison means identical scope. If one quote includes permits and cleanup and another does not, the cheaper total may not be cheaper at all. ## What Homeowners Insurance typically costs Most buyers in Montana see homeowners insurance quoted between $7,438 and $26,034 per year. The typical figure is close to $13,916, and that is the number worth writing into a budget before you request quotes. ## What moves the price of homeowners insurance Labour, materials and timing explain most of the gap between two quotes for homeowners insurance. Access and preparation often matter as much as the headline task, so a job that needs extra setup or a second visit costs more even when the base price looks identical. ## Budgeting for homeowners insurance The easiest way to budget for homeowners insurance is to anchor on $13,916 per year, then add or subtract for scope. Providers near you can tell you which end you are likely to hit. ## Timing your homeowners insurance Timing changes what you pay for homeowners insurance. Demand peaks around holidays, seasonal deadlines and the start of the busy season, and prices follow. Booking in a quieter window is one of the few levers that lowers the figure without cutting scope. ## Frequently asked questions ### How much does homeowners insurance cost? Most homeowners insurance falls between $7,438 and $26,034, with a typical figure near $13,916 per year. The low end is a straightforward job with no surprises; the high end covers complex scope, premium materials or urgent timing. For Montana, ask a provider to put that in writing with the quote. ### What affects the price of homeowners insurance? The honest answer is that it depends on the specifics. Compare the written scope first, then the price. Providers serving Montana can tell you how it affects a typical job. ### Is Homeowners Insurance cheaper in smaller cities? Often, but not always. Smaller markets can carry a travel or availability premium that offsets a lower local rate, so it is worth checking a nearby city before assuming the lowest published figure applies to you. Where you are in Montana can change the detail, so compare nearby quotes. ### How many quotes should I get for homeowners insurance? Two or three written quotes are enough to see the real market range. Compare the same scope side by side, and ask each provider what is excluded and what would change the price after the quote is accepted. The specifics vary across Montana, so confirm them with the provider you hire. ## Keep comparing - [Finance](/category/finance/) - [Tax Preparation](/montana/tax-preparation/) - [Personal Loans](/montana/personal-loans/) - [Auto Loans](/montana/auto-loans/) - [Student Loans](/montana/student-loans/) - [Business Loans](/montana/business-loans/) - [Mortgages](/montana/mortgages/) - [Alabama](/alabama/homeowners-insurance/) - [Alaska](/alaska/homeowners-insurance/) - [Arizona](/arizona/homeowners-insurance/) - [Arkansas](/arkansas/homeowners-insurance/) - [California](/california/homeowners-insurance/) - [Colorado](/colorado/homeowners-insurance/) - [Connecticut](/connecticut/homeowners-insurance/) - [Delaware](/delaware/homeowners-insurance/) - [District of Columbia](/district-of-columbia/homeowners-insurance/) - [Florida](/florida/homeowners-insurance/) - [Georgia](/georgia/homeowners-insurance/) - [Hawaii](/hawaii/homeowners-insurance/) - [Idaho](/idaho/homeowners-insurance/) - [Illinois](/illinois/homeowners-insurance/) - [Indiana](/indiana/homeowners-insurance/) - [Iowa](/iowa/homeowners-insurance/) - [Kansas](/kansas/homeowners-insurance/) - [Kentucky](/kentucky/homeowners-insurance/) - [Louisiana](/louisiana/homeowners-insurance/) - [Maine](/maine/homeowners-insurance/) - [Maryland](/maryland/homeowners-insurance/) - [Massachusetts](/massachusetts/homeowners-insurance/) - [Michigan](/michigan/homeowners-insurance/) - [Minnesota](/minnesota/homeowners-insurance/) - [Mississippi](/mississippi/homeowners-insurance/) - [Missouri](/missouri/homeowners-insurance/) - [Montana](/montana/homeowners-insurance/) - [Nebraska](/nebraska/homeowners-insurance/) - [Nevada](/nevada/homeowners-insurance/) - [New Hampshire](/new-hampshire/homeowners-insurance/) - [New Jersey](/new-jersey/homeowners-insurance/) - [New Mexico](/new-mexico/homeowners-insurance/) - [New York](/new-york/homeowners-insurance/) - [North Carolina](/north-carolina/homeowners-insurance/) - [North Dakota](/north-dakota/homeowners-insurance/) - [Ohio](/ohio/homeowners-insurance/) - [Oklahoma](/oklahoma/homeowners-insurance/) - [Oregon](/oregon/homeowners-insurance/) - [Pennsylvania](/pennsylvania/homeowners-insurance/) - [Rhode Island](/rhode-island/homeowners-insurance/) - [South Carolina](/south-carolina/homeowners-insurance/) - [South Dakota](/south-dakota/homeowners-insurance/) - [Tennessee](/tennessee/homeowners-insurance/) - [Texas](/texas/homeowners-insurance/) - [Utah](/utah/homeowners-insurance/) - [Vermont](/vermont/homeowners-insurance/) - [Virginia](/virginia/homeowners-insurance/) - [Washington](/washington/homeowners-insurance/) - [West Virginia](/west-virginia/homeowners-insurance/) - [Wisconsin](/wisconsin/homeowners-insurance/) - [Wyoming](/wyoming/homeowners-insurance/) - [Ontario](/ontario/homeowners-insurance/) - [Quebec](/quebec/homeowners-insurance/) - [British Columbia](/british-columbia/homeowners-insurance/) - [Alberta](/alberta/homeowners-insurance/) - [Saskatchewan](/saskatchewan/homeowners-insurance/) - [Manitoba](/manitoba/homeowners-insurance/) - [Nova Scotia](/nova-scotia/homeowners-insurance/) - [New Brunswick](/new-brunswick/homeowners-insurance/) - [Newfoundland and Labrador](/newfoundland-and-labrador/homeowners-insurance/) - [Prince Edward Island](/prince-edward-island/homeowners-insurance/) - [Billings](/billings/) - [Bozeman](/bozeman/) - [Great Falls](/great-falls/) - [Missoula](/missoula/) --- These are planning ranges drawn from public price data and market research. They are not a quote, an offer or financial advice, and your actual price depends on the provider, the location and the scope of the work.