Homeowners & Renters Insurance
Local coverage for the place you call home
Whether you own a home in Missoula or rent an apartment in Hamilton, having the right insurance means you don’t have to stress when something goes wrong. From fire damage and break-ins to burst pipes and falling trees, we’ll help you find coverage that fits your space, your stuff, and your budget. No big-brand runaround—just real support from people who live and work right here in Montana.
What We Can Help You With
Protection for homeowners, renters & landlords
We help people across Western Montana understand their options and get the right level of protection for where they live and what they own. Here’s what we can help you with:
Homeowners Insurance
Covers your home’s structure, belongings, and liability. Whether you’re in a neighborhood, on rural land, or anywhere in between—we’ve got policies that fit.
Renters Insurance
Even if you don’t own your space, renters insurance covers your personal belongings and protects you from liability if someone gets hurt in your unit.
Landlord Insurance
For property owners renting out homes or apartments. Protects the building, liability, and lost rental income due to covered losses.
Replacement Cost Coverage
Ensures your belongings are replaced at today’s value—not depreciated cost—if they’re stolen or destroyed.
Additional Living Expenses (ALE)
Helps cover hotel stays or temporary housing if your home becomes unlivable due to a covered event.
Homeowners & Renters Insurance FAQ
Answers for locals, not just policyholders
What does homeowners insurance typically cover in Montana?
A standard homeowners policy covers your house, detached structures (like garages or sheds), personal belongings, and liability for injuries or damages that happen on your property. It also includes coverage for certain weather-related damage, fire, theft, and vandalism. Depending on where you live, you might need to add extras like flood or earthquake coverage. We’ll help you understand what’s included and what’s worth adding based on your location.
I rent—do I really need renters insurance?
Yes. Your landlord’s insurance only covers the building, not your personal belongings inside. Renters insurance helps pay to replace things like furniture, electronics, or clothing after a fire, theft, or water leak. It also includes liability protection if someone gets hurt in your unit or you accidentally damage another tenant’s space. It’s affordable—and surprisingly useful when something unexpected happens.
How much coverage do I need for my stuff?
That depends on what you own and how much it would cost to replace. We usually recommend making a quick inventory of your major belongings and their estimated value. We can help you come up with a realistic number and make sure your policy matches your actual lifestyle—no overpaying, no guessing. And if you’ve got high-value items like jewelry, we’ll make sure those are properly listed, too.
Can I bundle my home or renters insurance with auto?
Yes, and many people do! Bundling your policies with the same carrier often gives you a discount—and it makes billing and renewals easier, too. We’ll compare bundle options and break down whether it’s better to keep policies separate or bring them together. It depends on your carriers and coverage needs, but we always look for ways to save.
What if my home is older or in a rural area?
No problem. We work with multiple carriers and know which ones are comfortable covering older homes, log cabins, or properties outside city limits. These homes may need specific coverage for things like wood stoves, wells, or private roads. We’ll ask the right questions up front and make sure your policy actually matches the place you live.