Helena, MT Homeowners Insurance

Get it for a fair price that fits

Main floor open area of winter home in Montana. Helena, Montana Homeowners Insurance.

There are 33,124 residents in Helena, Montana. If you own a home in these parts, you'll need sufficient coverage that doesn't break the bank. Instead of shopping alone, why not have a licensed agent do it for free?

A Helena, Montana independent insurance agent does all the comparing on your behalf with top carriers at once. This makes finding the right policy for your home easy and affordable. Connect with a local agent to start saving in minutes.

What Is Homeowners Insurance?

When you purchase Helena, Montana homeowners insurance, you get protection for one of your most significant assets. This policy will help pay for a loss arising from a property damage or liability claim. Limits of coverage are individualized to your needs and affordability. 

What Does Homeowners Insurance Cover in Helena, Montana?

As a Helena, Montana homeowner, you'll get to select what insurance limits you want under your home policy. Each coverage will be the same, but the limits are unique to your property and needs. Check out the primary coverages included under your homeowners insurance:

  • Dwelling limit: Pays for replacing or repairing your home when a covered claim occurs.
  • Personal property: Pays for the replacement or repair of your personal belongings.
  • Personal liability: Pays for claims of bodily injury, property damage, or slander against a household member.
  • Additional living expenses: Pays for your temporary stay at another property when a claim renders your home unlivable. 
  • Medical payments: Pays for the first $1,000 to $10,000 of a medical expense when a third party gets injured on your property.

Contrary to popular belief, your home policy does not come with coverage for flooding. Flood insurance is necessary to avoid any significant out-of-pocket expenses. You'll be liable for the damage if you're found without a separate flood policy.

Common Disasters Homeowners Insurance Covers in Helena, Montana

Each Helena, Montana homeowners policy will come with catastrophe coverages for any significant property damage losses. Below are the most common covered disasters on your home insurance policy:

  • Lightning
  • Severe storms
  • Theft and vandalism
  • Fire
  • Wind
  • Hail

Helena's Weather-Related Statistics:

  • The number of natural disasters in Lewis and Clark County: 2

Let's look at the top causes:

  • Floods: 1 
  • Other: 1 

How Much Does Homeowners Insurance Cost in Helena, Montana?

The cost of your Helena, Montana homeowners insurance will vary, depending on many factors. You'll need to obtain custom quotes from a licensed agent for exact premiums. Below are some items that carriers use when rating your home policy:

  • How many claims you've filed
  • How new your house is
  • Your credit score
  • If you have a pool, trampoline, or pet
  • Where you live
  • How close you are to a fire department
  • How close you are to a fire hydrant
  • The materials of your home
  • The square footage of your home
  • The cost to replace your home

Cheap Homeowners Insurance near Me

When you're trying to find Helena, Montana homeowners insurance for cheap, it could be challenging to know where to begin. While you can't obtain exact costs without custom quotes, you can do some things that will help save money on your coverage. Take a look at the average home insurance premiums below:

  • National average annual premium: $1,211
  • Montana average annual premium: $1,174

One way to cut costs is by bundling all your policies with the same insurance company. Depending on the carrier, this will save 30% or more. If you have a good credit score, no past claims, and updated safety features on your property, you could save as well.

What Are the Best Homeowners Insurance Companies in Helena, Montana?

If you're searching for the best homeowner insurance, it starts with the right carrier. Some of the top markets for home coverage in Helena, Montana are as follows:

Best Homeowners Insurance Companies in Helena, MT Star Rating
5 star rating
5 star rating
4.5/5 star rating
5 star rating

These carriers are highly rated due to their broad coverage offerings and superior customer service. To get quotes from these insurance companies, you'll need to connect with a licensed agent.

How a Local Agent Can Help Find Homeowners Insurance in Helena, Montana

The proper protection for your property and family is found through top-rated markets and a trusted agent. Shopping for custom homeowners insurance can be confusing if you're not in the industry. Fortunately, you don't have to go it alone.

A Helena, Montana independent insurance agent compares coverage and premiums with top carriers for free. They do the work while you get the best policy for your budget. Get started with a local agent and find a policy that suits your needs. 

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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