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.
| Home Insurance Company Near Missoula, MT | Homeowners Insurance Agency Near Missoula, MT | Address |
|---|---|---|
| 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 |
| Farmers | Chris Hale | 144 W Front St, Missoula, MT, 59802 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Missoula, MT | 4.4% | 14.7% |
| Missoula | 4.43% | 14.69% |
| Turah | 3.61% | 12.65% |
| Bonner-West Riverside | 6.32% | 18.36% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Missoula | $118 to $120 |
| Piltzville | $118 |
| Turah | $123 |
| Bonner-West Riverside | $113 |
| Home value ($) | 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 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | Amica Mutual Insurance Company | Nationwide Insurance | Allstate |
| Monthly Premium | 40 | 302 | 49 |
| Year Built | 1983 | 2010 | 1944 |
| Home Details | 2 Beds, 1 Baths | 5 Beds, 1 Baths | 3 Beds, 1 Baths |
| Coverage Amount | $150000-$175000 | $700000-$800000 | $200000-$250000 |
| Deductible | > $10,000 Deductible | $500- $1000 Deductible | > $10,000 Deductible |