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State Farm has a good customer service reputation and is ranked in the top four renters insurance companies in J.D. Power's survey on customer satisfaction. This can mean it's easier to deal with your insurance if you do have to file a claim.

State Farm is also a good deal if you want the convenience of bundling renters insurance with your car insurance. It has the cheapest car insurance in Montana, and you'll get a discount for having both policies with State Farm.

You can also add on extra coverage for your rental.

One downside of State Farm is that you usually can't buy a policy entirely online. You'll have to work with a local State Farm agent.

State Farm also has fewer discounts than other companies, so you won't have as many ways to save, beyond the company's already low rates.

Amica's renters insurance rates are cheaper than average in Montana, at $14 per month. That's not as cheap as State Farm, but Amica's discounts can help make policies affordable.

How to get Amica renters insurance discounts

One downside is Amica isn't one of the best car insurance companies in Montana. So with Amica, you might not get the cheapest rates by bundling renters and auto insurance.

Amica also has somewhat basic options for customizing your coverage. For example, you can't get extended liability coverage. You also can't add on earthquake coverage, making it a bad choice if you live in the western part of Montana where there is a higher risk of earthquakes.

On average, renters insurance from Farmers costs $15 per month in Montana, which is slightly cheaper than the statewide average of $16 per month. You can lower your rates with discounts for:

Farmers Insurance also has good customer satisfaction, so it could be easier to manage your policy or use your insurance. Farmers receives about a third fewer complaints than average. And according to a survey of renters insurance customers by J.D. Power, Farmers is slightly above average for customer satisfaction.

The downside is that Farmers car insurance is expensive in Montana, costing an average of $340 per month. That means if you get Farmers renters insurance, you usually won't have the convenience of having the same company for your car insurance.

A renters insurance policy from Farmers also has fewer coverage extras available. For example, you can't add on coverage for plumbing backups or extended liability.

Customer service at State Farm is about average. It receives slightly more complaints from customers than a typical company, according to the NAIC. But it also received a positive score in a customer survey by J.D. Power. But one perk of State Farm's service is its in-person offices. State Farm customers are assigned to an agent when they buy a policy, and you can call them on the phone or visit in person to ask questions or file a claim. Many renters insurance companies operate primarily online.

Progressive discounts for Kansas renters

Progressive also lets you share a deductible across a bundled renter and auto policy. For example, if your apartment and car are both damaged by the same fire, you'll only have to pay your deductible one time. You'll also only need to file one claim instead of two.

For renters who need more than just basic protection, Progressive offers several coverage add-ons. For example, you can buy a identity theft protection, umbrella coverage, higher limits for expensive items , equipment breakdown and damage caused by mold.

Progressive also sells flood insurance policies, though it is usually sold separately, not as an add-on to renters insurance.

Progressive ranked last in the most recent J.D. Power customer satisfaction survey for renters insurance. The company also gets 43% more complaints than an average company its size, according to the NAIC.

Allstate's rates are slightly higher than average, but you might be able to get a cheaper cost with discounts. However, Allstate's customer service is below average. You might want to talk to current Allstate customers before you buy a policy, if you can.

Lemonade is also a great choice for pet owners because it offers pet damage protection. It covers up to $500 of damage to your rental home caused by your pets. For example, if your dog scratches and breaks a window screen, Lemonade will pay for a new screen. This coverage only costs about $1.50 extra per month.

Lemonade earned an excellent score on J.D. Power's customer satisfaction survey. However, it gets three and a half times more complaints than an average company its size, according to the NAIC. Customers typically complain about Lemonade's lengthy claims process.

The high number of complaints may be partially because it can be tough to get in touch with someone if you have a question about your policy or claim. Lemonade also doesn't have any physical offices, so you won't have a relationship with a local agent.

Assurant is a great option if you are a renter with pets. It's one of the few companies that offers coverage for damage caused by animals. If you add the pet damage coverage and your dog rips up the carpet in your apartment or your cat scratches up the baseboards, your Assurant renters insurance policy will help pay to repair the damage.

But Assurant's renters insurance is more expensive, at an average of $20 per month. The company also doesn't offer many discounts, so there's not much you can do to lower the monthly rate.