Average homeowners insurance cost in Great Falls, Montana

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Our data shows that the average cost of homeowners insurance in Great Falls is $3,460 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1,000 deductible). It’s $878 more than the national average of $2,582 .

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Great Falls depend on several factors, including:

The size of your home
The age of your home
The amount of coverage you need
Where you live
Your credit score

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide for more info on how much homeowners insurance costs per month in Great Falls, home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Great Falls.

Key Takeaways

The average cost of homeowners insurance in Great Falls is $3,460 per year.
Chubb Ltd is the cheapest homeowners insurance company in Great Falls with an average annual premium of $1,462 .
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $839 more a year for home insurance.

Average homeowners insurance cost per month

How much you pay for a homeowners insurance policy depends on the value of your home, your location, and the coverage options you select.

Homeowners in Great Falls pay an average of $288 per month. It’s $16 more than the state average of $272 and $73 more than the national average for home insurance across the nation.

Average homeowners insurance cost for a $200,000 house

In Great Falls, homeowners pay an average of $2,621 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. Keep in mind that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, you should purchase flood insurance.

Average homeowners insurance cost for a $300,000 house

Homeowners in Great Falls typically pay an average of $3,460 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $839 . You should purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

Average homeowners insurance cost in Great Falls by company

After comparing several homeowners insurance companies, Chubb Ltd offers the lowest rates in Great Falls. Its average annual rate for homeowners in Great Falls is $1,462 , while Nationwide is the second-cheapest.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Great Falls and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Great Falls and their average annual premiums.

Home Insurance Company	Annual rate
Chubb Ltd	$1,462
Nationwide	$2,198
State Farm	$2,228
Allstate	$3,152
Farmers	$3,709
Travelers	$8,643
USAA*	$2,893

*USAA is only available to military community members and their families.

Bundling your home insurance with other policies, like auto insurance, can lead to significant savings. Insurance companies often offer discounts for customers who combine multiple policies. By bundling, you can reduce your premiums and manage your insurance needs with one company.

Natural disasters in Montana that can impact your home insurance

Living in Montana comes with the possibility of natural disasters that can cause serious damage to your home and belongings. From costly repairs to large insurance claims, the financial impact can be significant. That’s why it’s important to know which types of disasters are most common in your area before selecting a home insurance policy.

Understanding your local risks allows you to customize your coverage – whether that means adjusting your policy limits, choosing a higher deductible, or adding protection for hazards like floods or earthquakes. Planning ahead helps ensure you’re fully covered when it matters most.

Montana is commonly affected by Cold wave and Winter weather.

How home insurance protects you against natural disasters

Home insurance is an essential safeguard for your financial well-being, offering protection if you’re affected by a natural disaster. Natural disasters can lead to costly damage, but the right policy can help cover the cost of repairs, sparing you from major out-of-pocket costs. In many cases, home insurance also pays for temporary living expenses if you can’t live in your home.

However, not all natural disasters are covered under a standard home insurance policy. For example, flood and earthquake damage are excluded and require separate coverage. That’s why it’s so important to understand the specific natural disaster risks in your area. By doing so, you can choose a policy that truly protects your home – and your finances – from the threats that are most likely to affect you.

Check for coverage gaps before it’s too late

Many homeowners find out too late that their insurance doesn’t cover certain natural disasters. Be proactive – review your policy, ask your insurer about disaster-specific exclusions, and explore additional protection if you’re in a high-risk zone.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Great Falls for $300,000 dwelling coverage, $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.