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Written by Laura Berry
Former Insurance Agent Laura Berry

Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

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Reviewed by Joshua Adamson
Joshua Adamson

UPDATED: Mar 11, 2016

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When unfortunate occurrences happen, such as fire, robbery, or injury to a guest, having renters insurance can help pay to replace your belongings and/or cover medical bills. We’ve done the research to give you the inside scoop into Montana renters insurance policies.

Montana Renters Insurance Costs

Montana renters pay around $145 per year for renters insurance. That places Montana 22% below the average renters insurance premium nationwide. Since renters insurance policies are even more affordable than average, having it is a no-brainer. Let us tell you why.

Think about all you own—from electronics to jewelry to furniture and clothing. Now think about how much that would cost to replace if your home burned down or a thief made off with half of it. Renters insurance policies are designed to help you pay for the replacement of your belongings—and medical/legal bills if someone is hurt at your place—so you don’t have to do it alone. If you look at the fact that it would also only take 18 hours working a minimum wage job to cover an entire year’s premium, there’s really no excuse to go without it.

Montana Rental Insurance Coverage

Across the state of Montana, there were 3,894 burglaries in 2012. For everyone, this is unfortunate. But for those without renters insurance, it may have been worse.

Since bad things do and will happen, having renters insurance is a sure way to protect yourself from the unknown. For instance, if your things are damaged from fire, smoke, weather, or water leaks, renters insurance can help you. Renters insurance is also there to pay for medical and legal bills if someone is hurt while visiting you. So many things in life that are left to chance. Don’t let living without renters insurance and the possible repercussions be one of them.

Make It Even More Affordable

Your renters insurance premium is established by looking at multiple factors, such as: where you live, your history of claims, any current policies you currently hold, and more. However, you can keep your premiums lower if you qualify for discounts.

  • Multi-Policy: Combine insurance policies to save more money.
  • No Prior Claims: Save on your insurance bill if you have a clean claims record.
  • Safety Devices: Installing safety systems like smoke alarms and security systems can result in premium discounts.
  • Higher Deductibles: If you opt into a plan with a higher deductible, you’ll have a lower payment amount every month. Watch out for this though. Your deductible is something you’re responsible for paying if you file a claim.

Facts on Montana Renters

In Montana, 32% of residents rent their house, apartment, or condo. Those renters pay about $724 per month on average for a two-bedroom residence. Since it only costs $145 per year for renters insurance, you can see that its small premium should be something you can afford compared to way more expensive bills you pay in life.

Finding Coverage in Montana

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