Mobile Home Insurance in Montana

In Montana, mobile home insurance typically covers the home structure, personal belongings, liability, and temporary housing if uninhabitable. Premiums range from $500 to $1,500 annually, with cost variations driven by location, age, and home condition.

Coverage Specific to Montana Mobile Homes

• Standard Protections: Includes structure, personal property, liability, medical payments, and additional living expenses when the home is uninhabitable.

• Risk Awareness: Policies should address Montana-specific perils like hail, wildfire, heavy snow, windstorms, and freeze damage.

• Exclusions: Flood damage and transport-related risks are typically not included and must be added.

• Policy Types: Choose between named-peril (coverage for listed risks) and all-risk options for broader protection.

Montana-Specific Considerations

• Age of Home Affects Coverage: Older homes—especially pre-1976 models—may only qualify for actual cash value payouts and face higher premiums.

• Flood Zones Matter: Living in flood-prone areas increases cost and makes flood insurance strongly recommended.

• Regulatory Environment: The Montana Insurance Commissioner oversees fair insurance pricing and policy compliance.

• Discount Opportunities: Multi-policy, safety upgrade, and claims-free discounts are commonly available.

• Regional Variance: Rates differ across counties depending on wildfire, storm, and terrain risk.

Key Points

• Annual premiums in Montana mobile home insurance typically range from $500–$1,500.

• Coverage includes structure, belongings, liability, and living expenses—but excludes flood and transit damage unless added.

• Older homes may face limits in coverage type and reimbursement value.

• Location within flood or wildfire zones directly impacts pricing and coverage needs.

• Discounts are available—bundling, safety upgrades, and clean claims history can reduce costs.

Frequently Asked Questions (FAQ)

1. Is mobile home insurance mandatory in Montana?
No, but it’s often required by lenders or the communities where mobile homes are located.

2. Will flood damage be covered automatically?
No—standard policies exclude flood, and flood insurance must be purchased separately.

3. Why do older mobile homes cost more to insure?
Older homes are seen as higher risk; they often only qualify for actual cash value coverage and yield higher premiums.

4. Are there discounts for mobile home insurance?
Yes. Montana insurers typically offer multi-policy discounts, safety feature credits, and claims-free reductions.

Final Thoughts

Mobile home insurance in Montana requires attention to local hazards, home age, and policy limits. You need coverage tailored to regional risks like hail, wildfire, or seasonal freezing—not a one-size-fits-all plan.

At THAgency, we compare nearly 100 carriers to make sure you get the best price and coverage package for your mobile home in Montana. With over 30 years of expertise, we guide you to full protection.

Start now and see your options instantly. Get your personalized quote today—it’s fast, secure, and tailored to you.