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Homeowners
Insurance

Protect your most valuable asset.

Homeowners
Insurance

Protect your most valuable asset.

Protect Your Montana Home

Homeowners insurance is essential for anyone who owns a house, condo, or cabin in Montana. It protects your most valuable asset from fire, theft, severe weather, and liability claims. Lenders require it, and it’s vital for peace of mind in every season.
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What's Included in Your Coverage

  • Dwelling and structure protection
  • Personal property coverage (furniture, electronics, valuables)
  • Liability protection for injuries on your property
  • Additional living expenses if your home is uninhabitable
  • Replacement cost or actual cash value options
  • Optional flood, earthquake, and wildfire coverage
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FAQs: What You Need to Know

Does homeowners insurance cover wildfires and hail?

Yes, most policies cover wildfire and hail, but check for exclusions or additional endorsements.

Yes! Bundling can save you money and simplify your insurance.
Yes. While not legally required, insurance protects you from costly risks like fire, theft, and liability. It’s peace of mind for your biggest asset.
Premiums are based on your home’s value, location, coverage limits, claim history, and optional add-ons like flood or wildfire protection.
We’ll walk you through it. A Sharkey agent will assess your home’s rebuild cost, your belongings, and your risk profile to recommend the right coverage level.