Missoula Homeowners Insurance

Your Complete Guide to Missoula, MT, Homeowners Insurance

(How to find the best policy for you)

Missoula Montana homeowners insurance

Missoula, Montana, is famous for A River Runs Through It, and trout fishing. The town's recreation and natural beauty are high on the list. 

This blue-ribbon state has 73,340 residents, some of which own a home. If you're one of them, you'll want homeowners insurance through a local independent insurance agent. You can connect with one today to start saving time and money.

What Does Home Insurance Cost in Missoula, MT?

You are probably concerned with the price tag on home insurance these days. When you are looking for sufficient coverage at a fair price in Missoula, an independent agent can help. Let's look at average homeowners insurance premiums:

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

Montana comes in less than the national average, which means your Missoula premiums could fall somewhere near that figure. Your rates can be higher or lower, depending on your specifications. Carriers look at your home materials, year built, square footage, and personal data to determine pricing. Chat with your local agent to get exact costs.

Missoula's Crime Rate and Your Home Insurance

Crime rates impact your homeowners insurance premiums positively or negatively. The more crime in a city, the higher your costs will soar. Take a look at the burglaries per 100,000 households:

  • National average: 376
  • Montana average: 306.6
  • Missoula average: 510.1

Missoula has a greater rate of burglary than the state and national averages. Whether you live in a mobile home down by the river or a high-priced condo, crime affects us all. Your insurance premiums may reflect this by surcharging a percent higher. To find out how the local crime will impact your rates, connect with your Missoula agent.


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How to Stay Protected from Catastrophe in Missoula, MT

There are a variety of risk-determining factors that get worked into your home insurance policy. One of them is severe weather and catastrophes. The number of claims that occur in an area will help carriers price your policy accurately. 

Natural disasters that occur in Missoula, MT, most frequently:

  • Fires: A fire due to negligence or severe weather is the number one offense in Missoula. Fortunately, your home insurance usually covers fire losses automatically.
  • Storms: Storms are a common occurrence for most homeowners. Damage is typically insured under your primary home policy.
  • Floods: Flooding is the third-highest exposure in Missoula. Flood insurance is a separate policy from your homeowners policy.

Flood insurance explained:

Most insureds aren't aware that their home insurance does not cover flood damage. In fact, it excludes coverage altogether. According to FEMA, just an inch of water could cost upwards of $25,000 in repair.

To make sure you're insured, have your independent agent look up your flood zone. From there, your agent can provide quotes on flood insurance for your specific property. A flood policy will cover water damage that occurs on naturally dry land.

A Missoula independent agent knows the area and can help you obtain the right coverage for your home. When you're standing in an inch of water, it's too late. Contact your local agent today.

Different Types of Liability Insurance in Missoula, MT

One of your homeowners insurance coverages is liability insurance. Without it, you could find yourself in extensive financial trouble if a loss occurs. Lenders and landlords require liability insurance to cover their interests as well. When you're getting quotes, make sure you go over the liability options with your agent. 

Liability coverage explained:

Homeowners liability insurance: This will protect against lawsuits that occur when a household member or pet causes damage to another person or property.  

Umbrella liability insurance: An umbrella insurance policy will supply an additional limit of liability over your underlying home and auto policies. Once a large claim exhausts your primary limits, this coverage will apply.

Your Missoula agent can go over different liability limits and options, so you have the protection that your home needs. 

Match with a Local Independent Agent in Missoula, MT

A local trusted adviser can help find the right coverage for the best price in Missoula, MT. An independent insurance agent has access to dozens of carriers, giving you choices. 

If you're unsure where to start, connect with a local agent on TrustedChoice.com. They have a find-an-agent tool that can get you matched with an agent in minutes. 

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