Renters Insurance in Montana: Protection for What Matters Most

Even if you don’t own the home or apartment you live in, your belongings—from your wardrobe and furniture to your electronics, bike, or gaming setup—are valuable. Renters insurance is designed to help safeguard the things you’ve worked hard for, so you can feel secure, no matter what life throws your way.

At Summit Insurance, we help guide you through the available coverage options to help you protect your property, your peace of mind, and your financial future.

What Does Renters Insurance Cover?

Your policy helps cover the cost of replacing or repairing personal belongings that are damaged or stolen due to covered events—such as theft, fire, or water damage. And the best part? Coverage extends beyond your home, so you’re protected even when you're on the go.

Want extra peace of mind? You can opt for full replacement cost coverage, which pays you the full value of lost or damaged items—without subtracting for depreciation—for just a small additional premium.

Liability & Medical Coverage

Renters insurance isn’t just about protecting your stuff—it also helps protect you. If someone is injured at your residence or if you accidentally damage someone else’s property, your policy can help cover legal and medical costs. That includes:

• Liability Protection – Covers injury or property damage you’re legally responsible for.
• Legal Defense – Helps cover attorney fees if you’re sued over a covered incident.
• Guest Medical Payments – Pays medical expenses if a visitor is injured in your home, even if you're not at fault.

Various coverage limits are available, and we’re here to help you select what’s right for your situation.

Affordable Coverage That Fits Your Life

Whether you're renting your first apartment, between homes, or enjoying a simpler lifestyle, we’ll help you find a renters insurance plan that checks all the boxes—practical, affordable, and tailored to your needs.

And don’t forget to ask us about discounts. You could save money with:

• Burglar alarm or security system credits
• Bundled policies (combine renters insurance with auto [link to auto] or umbrella [link to umbrella] coverage for extra savings)

Protect your lifestyle, not just your lease. Contact Summit Insurance today to find the right renters coverage for your Montana home.

Get a Free Renters Insurance Quote