Montana Home InsuranceHome insurance in Montana
Montana recorded 1,637 damaging hail events in the last 10 years, and they did not fall evenly. Where you live in the state changes the answer — start with your city.
Montana's housing
The typical Montana home was built in 1980, and the median owner-occupied home is valued at $338,100. 69.4% of occupied homes are lived in by their owners.
9.5% of Montana homes are manufactured or mobile. Those are insured on a different form (HO-7), not the standard homeowners policy, and the difference matters at claim time.
Source: US Census Bureau, American Community Survey 2023 5-year.
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