Missoula Insurance Rates:

Missoula, MT homeowners insurance is nearly $671 to $910, about $55-$75/month. Our comprehensive guide shows customers can save as much as $316 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
Our insurance company lets us bundle several coverages together for saving money but after a year or two, we don't seem to be getting ant savings.
Progressive
I like that they seem to be somewhat competitive in terms of other insurance comparisons pricing. but still and not the most competitive or value-added insurer.
Geico
They offer a quick resolution when a claim is submitted. i could not be happier with geico and the insurance they provide.

Missoula, MT Homeowners Insurance By Home Value

Missoula, MT Home Value Total Homes % of Total Average Missoula, MT Homeowners Insurance
Less than $50,000 1,941 11.0% $79
$70,000 to $79,999 182 1.0% $244
$100,000 to $124,999 315 1.0% $363
$125,000 to $149,999 769 4.0% $458
$150,000 to $174,999 1,434 8.0% $545
$175,000 to $199,999 2,079 12.0% $624
$200,000 to $249,999 3,629 21.0% $758
$250,000 to $299,999 2,994 17.0% $924
$300,000 to $399,999 3,037 18.0% $1177

Top Home Insurance Agents Near Missoula, MT

Home Insurance Company Near Missoula, MT Homeowners Insurance Agency Near Missoula, MT Address
NA Glidewell Investments And Insurance Group 2001 Russell Street, Missoula, MT, 59801
Farmers Chris Hale 144 W Front St, Missoula, MT, 59802
Travelers Hub International Mountain States Limited 2703 CONNERY WAY, MISSOULA, MT, 59808
Travelers Mainwaring-Corey Ins Services 11 CARRIAGE WAY, MISSOULA, MT, 59802
Travelers Paynewest Insurance 2925 PALMER ST STE B, MISSOULA, MT, 59808

Cost Of Homeowners Insurance By Street Near Missoula, MT

Streets in Missoula Area Homeowners Insurance Cost
Ivy St, Maritsa Ct, Half Acre Loop, Compost Rd, Geary Ln, Kendall Creek Rd, Washburn St, Hawk Ln, Kemp St, Cottonwood St$795
International Way, Josephine Ave, Bridge Court Way, Timber Edge Dr, Royal Pines Ct, Starr Dr, N Pattee St, S Garfield St, Mikes Way, South Ave W$774
N Reserve St, Wilke St, Dukes Ave, Hummingbird Dr, Bluebird Dr, William St, Westview Dr, Buckhorn Ln, Zaugg Dr, Alex Ln$782
Elk Hills Ct, Lower Woodchuck Rd, Wise River Rd, Birdie Ct, Cowart Ln, Majestic Dr, Rock Creek Rd, Anaconda Ave, S Orange St, Golden Hill Ct$789
Neighbor Way, Industrial Rd, Old Van Buren St, Raymond Ct, W Main St, Peregrine Ct, S Washburn St, Laurin Ct, Ponderosa Dr, Redwood St$807
Jolinda Ct, Crestview Ln, Willowwood Ct, Terrace Way, Marias St, Sage Hen Ct, Eldora Ln, Pine Grove Ln, Kendrick Pl, Aspen Dr$808
Trout Ln, E Pine St, Southridge Dr, City Dr, Colorado Gulch Dr, Colony Ct, Anglers Bend Way, N Van Buren St, Murray St, Garland Ct$816
Southpointe Dr, Parsons Dr, N California St, Woodland Ave, Harriet St, Bonita Ranger Station Rd, Briar St, Lamoreux Ln, Cherry St, Bonner Ave$808
Braaten Pl, 55th St, Lochsa Ln, Clark St, Arrowhead Dr, Parkside Ln, Eagle Nest, Timothy Ct, New Meadows Dr, Poplar St$813
River St, Staple St, Rankin Rd, 57th St, Strand Ave, Sentinel St, Saint Andrews Way W, Riata Rd, Fas 263, Mockingbird Way$800

Missoula, MT Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Missoula$118 to $120
Piltzville$118
Turah$123
Bonner-West Riverside$113

Missoula, MT Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Piltzville CDP, Montana $99 $131 $197
Turah CDP, Montana $103 $137 $205
Bonner-West Riverside CDP, Montana $95 $126 $189

Missoula, MT Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Missoula, MT4.4%14.7%
Missoula4.43%14.69%
Turah3.61%12.65%
Bonner-West Riverside6.32%18.36%

Missoula Renters Insurance as a Percentage of Rent

Missoula Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 260 1.0% $339
$200 to $299 433 2.0% $789
$300 to $499 1,473 9.0% $1239
$500 to $749 6,542 41.0% $1914
$750 to $999 4,221 26.0% $2664
$1,000 to $1,499 2,299 14.0% $3789
$1,500 or more 559 3.0% $5439

Average Cost Of Home Insurance By Company In Areas Nearby Missoula For Different Scenarios

Home value ($) Age of home (years) Pets Company Average homeowners insurance premium ($)
180,000 40 NA Allstate Vehicle & Property Ins. Co. 962
180,000 40 NA Depositors Insurance Co. 653
250,000 30 Labrador retriever Depositors Insurance Co. (Nationwide) 741
300,000 5 Miniature poodle Farmers Insurance Exchange 1,356
250,000 20 Golden retriever Mountain West Farm Bureau Ins. Co 1,125
250,000 30 Labrador retriever Mountain West Farm Bureau Ins. Co. 943
250,000 20 Golden retriever State Farm Fire And Casualty Co. 2,058
180,000 40 NA Travelers Home & Marine Ins. Co. 580
350,000 50 NA Travelers Home & Marine Ins. Co. 926
350,000 50 NA United Services Auto Association 1,387

Missoula, MT Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,100$3,100
Yearly Missoula Homeowner Insurance Premium Example $2,100$1,700
Out of Pocket Expense During Claim$1,100$3,100
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $17,900$16,700
Net Savings to Missoula Home Owner from High Deductible Plan $1,200

Missoula, MT Home Insurance Costs With Home Replacement Value Scenarios

Scenario Missoula, MT Home Replacement Value MORE than Home Value Missoula, MT Home Replacement Value LESS than Home Value
Replacement Value $274,000 $170,000
Insurance Premium based on Replacement Value $1,525 $950
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $42,500 Risk Exposure from Under Insuring Coverage is $61,500
Premium Impact Insurance cheaper by $325/year Insurance costlier by $250/year

Example Missoula Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyNationwide InsuranceAllstate
Monthly Premium 4030249
Year Built 198320101944
Home Details 2 Beds, 1 Baths5 Beds, 1 Baths3 Beds, 1 Baths
Coverage Amount $150000-$175000$700000-$800000$200000-$250000
Deductible > $10,000 Deductible$500- $1000 Deductible> $10,000 Deductible

Sample Home Insurance Rates for Missoula, MT from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2002 265,000 Composition Roof 1,850 5 $500- $1000 Deductible 880 7 Stucco siding No
2014 335,000 Wood Shake Roof 2,340 4 $500- $1000 Deductible 1130 9 Wood siding yes
1983 370,000 Wood Shake Roof 2,730 4 > $10,000 Deductible 710 10 Stone Siding yes
2012 595,000 Shingles Roof 4,840 5 $5000 to $10,000 Deductible 1300 7 Stucco siding yes
1945 200,000 Shingles Roof 1,800 3 $500- $1000 Deductible 850 9 Vinyl siding yes
1944 190,000 Slate Shingles Roof 1,540 5 $2500-$5000 Deductible 270 5 Fiber-Cement Siding No
2009 150,000 Composition Roof 1,200 3 $500 Deductible 400 5 Brick siding yes
1984 275,000 Slate Shingles Roof 2,730 5 > $10,000 Deductible 570 8 Fiber-Cement Siding No
1949 265,000 Metal Roof 2,020 4 > $10,000 Deductible 330 5 Stucco siding yes
2007 530,000 Shingles Roof 3,500 5 $1000-$2500 Deductible 1670 10 Vinyl siding yes
2014 250,000 Composition Roof 1,790 3 $2500-$5000 Deductible 380 5 Fiber-Cement Siding yes
2001 145,000 Membrane Roof 1,330 3 $500- $1000 Deductible 230 5 Wood siding yes
2007 445,000 Tile Roof 3,070 4 $1000-$2500 Deductible 810 7 Fiber-Cement Siding yes
1945 365,000 Membrane Roof 2,500 4 $1000-$2500 Deductible 560 6 Brick siding yes
1949 160,000 Metal Roof 1,430 2 $500- $1000 Deductible 520 8 Stone Siding yes
2010 230,000 Composition Roof 1,990 3 $2500-$5000 Deductible 220 3 Fiber-Cement Siding yes