Farmers Insurance Availability In Montana: What You Need To Know

Farmers Insurance offers a range of insurance products in Montana, including car insurance and homeowners insurance. Whether you're looking for coverage for your vehicle or your home, Farmers Insurance can provide you with a variety of options to suit your needs. In addition to standard coverages, they also offer discounts and opportunities to save money on your insurance premiums. For those living in Montana, Farmers Insurance can be a great option to protect what matters most, whether it's your car, your home, or both. With a strong presence in the state, they are well-equipped to handle your insurance needs and provide you with the peace of mind you deserve.

Homeowners insurance in Montana

When it comes to choosing a homeowners insurance company in Montana, there are several options available. Here are some of the top companies and their features:

• USAA: Offers excellent coverage for military members and their families, including a waived deductible for lost or damaged issued gear and full personal property coverage in war zones.
• Chubb: Specializes in insurance for high-value homes, with rates lower than the state average. Provides unique coverage options such as risk consultation and cyber insurance.
• Allstate: Provides a robust set of digital tools and highly customizable policies. Offers several discounts and features that help lower costs.
• State Farm: The largest home insurance provider in the country, with a strong presence in Montana. Offers a wide range of policy endorsements and both online and in-person services.
• Farmers Insurance: Offers multiple discounts and coverage options, including tiered packages that allow you to upgrade your standard policy. Has poor customer satisfaction ratings.
• Liberty Mutual: Understands the unique challenges faced by Montana homeowners and offers customized coverage options. Provides several optional coverages, such as personal electronics coverage and personal property replacement cost.
• Nationwide: Provides coverage for a variety of risks, including theft, fire, natural disasters, and water backup damage. Offers several discounts and optional coverages, such as identity theft protection and brand new belongings replacement.

Car insurance coverage

Farmers Insurance offers car insurance coverage in Montana. The company provides a Smart Plan Auto policy with coverage options designed for how you drive. The average cost of car insurance in Montana is $1,030 a year for full coverage, according to the most recent data from 2020. This includes liability, collision, and comprehensive coverage. The cost of car insurance depends on factors such as the amount of coverage, driving history, and the type of vehicle.

In Montana, a minimum amount of liability coverage is required by law. As of February 2023, the minimum requirements are $25,000 per person and $50,000 per accident for bodily injury liability, and $20,000 per accident for property damage liability.

In addition to the mandatory liability coverage, other types of car insurance coverage include:

• Uninsured and underinsured motorist coverage: This coverage protects you if you are hit by a driver with little or no insurance. It is required in some states and optional in others.
• Comprehensive coverage: This coverage helps protect your vehicle from damage caused by events out of your control, such as theft, fire, or vandalism. It is typically optional but may be required by your lender.
• Collision coverage: This coverage pays for repairs or replacement of your vehicle if it collides with another object or vehicle. It is usually optional but may be required by your lender.
• Medical payments coverage: This coverage helps pay for medical expenses for you, your family members, or passengers injured in an accident. It is required in some states and optional in others.
• Personal injury protection: This coverage helps pay for medical expenses and other accident-related costs, such as lost income. It is available in some states and may be required or optional.

When choosing car insurance coverage, it is important to consider your state's requirements, your budget, and the level of protection you need. Additionally, you may want to explore discounts and additional coverage options offered by insurance providers to find the best fit for your needs.

Farmers Union Mutual Insurance

The company has earned an AM Best rating of A- for its financial strength and stability. It has also built a trusted reputation for fair pricing and claims service.

In addition to its presence in Montana, Farmers Union Mutual Insurance also has a presence in Arkansas, North Dakota, and Utah. The company has been serving customers in these states for many years and has established a solid reputation.

Fergus Farm Mutual Insurance

As a Montana-based mutual, Fergus Farm's policyholders have a vote in the company, and the company's losses are low. Fergus Farm Mutual's rates are unaffected by catastrophes in other parts of the country, and the company has a strong understanding of its insureds and their Montana-specific risks. The company has a statewide network of adjusters to handle losses quickly and fairly, even in the event of a widespread catastrophe.

Fergus Farm Mutual offers a range of insurance products to protect your investments and property. For homeowners, insurance policies typically cover damage from events such as fires, windstorms, lightning, and hail. There is also coverage for other structures that are not connected to the home, like fences or sheds, as well as personal property coverage for belongings. Loss of use or additional living expense coverage can help policyholders pay for alternative accommodation if their home becomes uninhabitable due to covered damage. Personal liability coverage is also included in most policies, covering accidental property damage or injuries caused by negligence.

For Montana drivers, Fergus Farm Mutual likely offers coverage options such as bodily injury liability and property damage liability, as well as optional collision and comprehensive coverage. The company may also provide discounts to help drivers save on their premiums.

Discounts and savings

Farmers Insurance offers a range of discounts and savings opportunities for eligible customers in Montana. The availability of these discounts may vary depending on the type of insurance policy and the state in which the customer resides. Here are some of the discounts offered:

Auto Insurance Discounts:

• Bundling Discounts: Farmers Insurance offers a discount when customers bundle their auto insurance with at least one other qualifying policy, such as home, life, umbrella, small business, or specialty insurance.
• Safe Driver Discounts: Customers who maintain a clean driving record, free from accidents and bodily injury points, may qualify for safe driver discounts. Farmers also offers a discount for drivers over 55 who have completed a state-approved safe driver training course within the last three years.
• Good Student Discount: Students with a GPA of 3.0 or higher, or those on the Dean's List, Honor Roll, or in the top 20% of their class or standardized testing, may be eligible for a discount.
• Young Driver Discounts: Farmers offers discounts for distant students who live away from home and don't regularly use covered family cars, as well as youthful driver discounts for drivers under 25.
• Vehicle Safety Discounts: Discounts are available for vehicles with factory-installed anti-lock brakes, anti-theft alarms, protective devices, daytime running lights, and passive restraints (airbags or automatic seatbelts).
• Payment Discounts: Customers who pay their premiums in full at the start of the policy term or set up monthly automatic payments may be eligible for a discount.
• Affinity Discounts: Farmers offers discounts to members, employees, or retirees of certain businesses, occupational groups, or professional associations.
• Military Discount: Active-duty personnel, active reserves, retired individuals, and honorably discharged military veterans may receive a discount.

Home Insurance Discounts:

• Bundling Discounts: Similar to auto insurance, Farmers offers discounts when customers bundle their home insurance with at least one other qualifying policy, such as auto, life, umbrella, small business, or specialty insurance.
• Safety and Security Enhancements: Installing deadbolts, strong locks, security systems, and fire alarms that alert the local fire department can earn customers discounts on their home insurance.
• Nonsmoker Discount: In most states, Farmers offers a discount if all household members have not smoked in the past two years due to the reduced risk of fire damage.
• Professional Discounts: Teachers, police officers, firefighters, military personnel, doctors, nurses, dentists, engineers, and other professionals may be eligible for discounts based on their careers.
• UL-Approved Roofing Materials: Using asphalt or fiberglass shingles approved by UL can result in a discount.
• Newer Home Discount: Homes less than 14 years old may qualify for a discount.
• Fortified Home Discount: Homes constructed with added protection against natural disasters and extreme weather events may be eligible for a discount.

Frequently asked questions