Farm Insurance Agencies in Montana

Montana at a glance

• 6farm insurance agencies listed
• 30.8%of households rentRenters insurance
• $375,800median home valueHome insurance
• 1981median year homes were builtRebuild cost calculator
• 4.7%of households have no carAuto insurance
• 9.4%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across Montana

How many of Montana’s 56 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

• Winter weather17 of 56 counties

  Very High in Gallatin County, Cascade County, Yellowstone County and 1 more.

• Lightning3 of 56 counties

  Fire and lightning are standard covered causes of loss on home policies.

  Home insurance in Montana
• Strong wind1 of 56 counties

  Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

  Home insurance in Montana
• Wildfire1 of 56 counties

  Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.

  Home insurance in Montana
• Ice storm1 of 56 counties

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in Montana

Montana requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $20,000 of property damage liability, often written 25/50/20.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in MontanaHow much liability cover do you need?

Source: mca.legmt.gov. Checked 2026-10-24.