Montana Renters Insurance

Whether you’re renting a ski cabin in Whitefish or a poolside apartment in Billings, renters insurance in Montana can help you repair or replace your personal belongings if they’re damaged or stolen.

Please enter a 5 digit zip code.

How much does renters insurance generally cost in Montana?

Renters insurance in Montana can cost as little as $11 a month (or $133 per year) for around $35,0001 in coverage, less than the national average, according to 2021 data (the most recent available) from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Also, your cost may be different, depending on things like how much personal property you want to cover, what deductible you choose and risks specific to your location.

What does Montana renters insurance typically cover?

Typically, renters insurance policies in Montana can provide coverage against damage to or loss of personal belongings if caused by events such as:

  • Fire
  • Vandalism and theft
  • Lightning strikes 
  • Wind
  • Hail
  • Explosions
  • Falling objects
  • The weight of snow or ice

Flooding — a common risk in Montana — is not covered, but special flood insurance through the National Flood Insurance Program (NFIP) may be available for renters.

Is renters insurance required in Montana?

No state laws require you to have renters insurance in Montana. However, landlords can require you to have a renters policy as part of a lease agreement. It may help pay for another person’s medical bills or repairs to their property if you’re found legally responsible for their injuries or property damage. Renters liability coverage may also help cover your legal expenses if you’re sued over an incident that occurs in the place you’re renting. Keep in mind that your landlord’s insurance provides coverage for the building itself, but this likely does not include your personal belongings.


montana state flower image

Montana’s state flower doesn’t bloom until the plant’s leaves have withered away, leaving the striking look of bright pink flowers scattered on bare ground. — U.S. Forest Service

More coverage options in Montana

auto icon

Montana car insurance

Find minimum state requirements for auto insurance in Montana, available discounts and more.

View car insurance details and discounts for Montana

home icon

Montana home insurance

Learn more about what home insurance in Montana covers, available discounts and more.

View home insurance coverage details and discounts for Montana

Learn From Experience

Do you have more questions about renters insurance? We have answers.

Would Renters Insurance Be Worth It if I Don't Own Much?

Even though you’re just getting started, your personal possessions are probably worth more than you realize. Now imagine you have to run out and replace everything at today’s prices. That’s going to be a very expensive shopping trip — unless you have renters insurance to help cover the cost.

Does Renters Insurance Cover Theft?

Your renters policy helps cover the contents of your apartment for a number of perils — including theft. If someone walks off with your laptop or sound system, your policy can help cover the cost to go out and buy a new one.

In a Flash, Lightning Can Fry Every Appliance (and More) in a Home. But Saving Homes From Lightning Strikes Isn’t Impossible.

Most people think of lightning strikes as incredibly rare, but lightning strikes the contiguous United States approximately 25 million times per year according to the National Severe Storms Laboratory.

1 Estimate is based on HO-4 policy with coverage of $32,000 to $37,999.