Whitefish Home Insurance

VIU by HUB can help you find the best provider for Whitefish home insurance.
Compare, shop and customize quotes from top-rated insurance carriers.

Keep Your Montana Home Safe

Whitefish is a small town on the far north edge of Big Sky Country. It sits in a valley only 25 miles from Glacier National Park. The town is home to just over 8,000 permanent residents. Whitefish has one of the top ski resorts in the country and is a popular winter destination for tourists and ski enthusiasts. In the summer, it draws hikers, bikers and nature lovers who flock to the nearby lakes, the national park and the town's charming amenities.

Residents of Whitefish enjoy all the outdoor activities as well as craft breweries, excellent restaurants and a thriving arts community. The summer weather is sunny, with moderate temperatures, while the winter brings plentiful snow without the Arctic temperatures found in other parts of the state.

Own a Whitefish Home

Nearly 60% of Whitefish residents own their homes. Living in such a stunning location does come with a price, however. The average cost for a home in Whitefish is $838,000 which is almost double the state average and nearly 150% higher than the national average home value.

The high cost of residential properties makes carrying Whitefish home insurance essential to protect your investment. VIU by HUB allows homeowners to compare coverage and prices across several insurance providers. Let them help you find the best policy for your home at a price you can afford.

Home Insurance in Whitefish

While home prices are high in Whitefish, the cost of home insurance is moderate. On average, homeowners in Whitefish will pay $1,400 a year for a standard policy. That is lower than both the national and state average.

Factors That Affect Premiums

Home insurance premiums vary widely across the country. They can even differ from town to town or from one neighborhood to the next. Premiums are affected by the demographics of your location, including the local climate, weather and crime statistics. Insurance providers will also consider the age, condition and value of your home. Other factors include your credit score, the amount of coverage you need, discounts you are eligible for and additional coverage you may choose.

A factor that may be responsible for the lower prices in Whitefish is the very low crime rate in this small tourist community. Whitefish has a violent crime rate that is half the national average and a property crime rate that is half the state average.

The costs do reflect the fact that Whitefish deals with extreme weather, especially in the winter. Although temperatures do not drop as low as some mountain areas, the town sees nearly 80 inches of snow a year while the surrounding mountains can get more than 300 inches annually.

Typical Coverage

A standard home insurance policy will cover damage to your home from many weather events, fire, vandalism and theft. It will also provide a base level of personal liability and cover additional living expenses should your home be uninhabitable due to damage. Your policy will protect your home, attached structures and personal property.

Choose the Right Coverage for Your Home

Every home is unique and you want affordable Whitefish home insurance that suits your needs. The best way to ensure that you choose the best policy at the lowest price is to compare premiums between multiple providers, but that can be a time-consuming process. VIU by HUB centralizes your search and lets you receive several quotes in one convenient place.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


Explore Whitefish

Best Places

Neighborhood Scout

Whitefish Chamber of Commerce

National Park Trips

Home insurance in Montana by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.