Billings, MT Home Insurance
The average monthly cost of home insurance in Billings is $159.
Your quoted cost for homeowners insurance is completely customized according to details about you, your neighborhood, and your house. Therefore, your monthly premiums may be higher or lower than this average rate. Insurance companies consider your home’s size, value, location, and other factors to determine your monthly rate.
Billings has a very high crime rate when compared with the rest of the state and the nation overall. Residents of this city report about 700 burglaries every year. Fortunately, your Billings homeowners insurance can cover against property loss and damage to your home if you are the victim of a burglary. If you have burglar alarm installed in your home, you may even qualify for a discount on your home insurance premiums.
Talk to a local independent agent to learn more about this and other potential discounts.
Missoula, MT Home Insurance
The average monthly cost of home insurance in Missoula is $131.
Homeowners insurance rates in can vary significantly from one homeowner to the next. Your actual rate will be based on factors like the size, value, and location of your home; the age of your roof; the materials used in your home’s construction; and sometimes even your credit score.
One of the most devastating things that a homeowner can experience is a residential fire. In addition to severely damaging your house, a fire can lead to a total loss of your personal belongings, including furniture, electronics, clothing, and precious items. Homeowners insurance cannot bring back your irreplaceable items, but it can give you peace of mind in knowing you can afford to rebuild and replace as necessary.
Contact a local independent insurance agent for help ensuring that your property insurance coverage levels are high enough to enable you replace all of your property in the event of a total loss.
Great Falls, MT Home Insurance
The average monthly cost of home insurance in Great Falls is $132.
Of course, what you will actually be expected to pay may differ from this average amount depending on the specific risks associated with your home and property. Your rate will be calculated according to factors like the size of your home, the crime rate and weather risks in your ZIP code, your claims history, and more.
Residents of Great Falls are no stranger to flood damage. Those with property near the banks of the Missouri River are not the only ones at risk. When winter snows melt and heavy prolonged rains fall, drainage systems can become overwhelmed and flash flooding can occur just about anywhere in this city. Unfortunately, this expensive hazard is not covered by homeowners insurance. For that, you will need a supplemental flood insurance policy. Flood insurance takes 30 days to go into effect, so do not wait until heavy rains are imminent to purchase your coverage.
In addition to helping you find the best price for homeowners insurance, a local independent agent can help you obtain an affordable flood insurance policy through the National Flood Insurance Program (NFIP). Talk to an agent near you to learn more.
Bozeman, MT Home Insurance
The average monthly cost of home insurance in Bozeman is $118.
There are a number of large, high-value homes in Bozeman. These multi-million dollar mansions can cost more than $1,000 a month to insure. The average property in this city, however, is more affordable to cover. Your monthly rate is based on the size and value of your home, the building materials used in your home’s construction, your claims history, and more.
Hailstorms can be a problem in Bozeman. Large hailstones can occur without warning, causing significant damage to your roof, gutters, siding, windows, and outdoor structures like sheds and carports. The largest hailstones on record in the Bozeman area were baseball-size stones in June 2010. Fortunately, when you have a solid Great Falls homeowners insurance policy, you can rest assured that your hail-damaged home can be returned to normal without your needing to face a large personal expense.
Consult a local independent insurance agent to learn more about how your homeowners insurance policy can shield you from financial losses.
Butte-Silver Bow, MT Home Insurance
The average monthly cost of home insurance in Butte-Silver Bow is $160.
Your house is probably not the same as your neighbor’s. While everyone in your neighborhood faces the same crime and weather risks, there are many more variables in play when it comes to calculating home insurance rates, such as the size and value of your home, the age of your roof, your claims history, and the size of your deductible. Your monthly rate for Butte-Silver Bow homeowners insurance may therefore be higher or lower than this average.
The Continental Fault line runs just east of Butte. Because of this, residents of Butte-Silver Bow have a 79% greater risk of experiencing earthquake damage. In 2005, a 5.7 magnitude quake was centered just 39 miles away from this city. Earthquakes can cause significant damage to homes and personal property, but they are not covered by homeowners insurance. For that, you will need to supplement your coverage with an earthquake insurance policy.
A local independent agent can help you make sure that you have all the coverage you need to fully protect your home against all of the damaging events that you may face as a property owner in Butte-Silver Bow.