Homeowners Insurance in Montana

It typically covers your home’s structure, personal belongings, liability for injuries or damage to others, and additional living expenses if your home becomes uninhabitable due to a covered peril like fire, theft, or severe weather. Flood and earthquake damage require separate policies.

No, flood damage is typically not included. A flood insurance policy is needed, which can be purchased separately.

The average cost is approximately $2,500 annually for $350,000 in dwelling coverage (this is not the market value of the home, it does not include the value of the land). Though premiums vary greatly based on location, home value, applicants, and coverage type.

Wildfire damage is generally covered under standard policies. However, it’s crucial to ensure your coverage amount matches the potential rebuilding costs in high-risk areas.

Yes, standard policies cover personal belongings up to certain limits. High-value items, such as jewelry or artwork, may require additional coverage.

Costs depend on your home’s location, size, construction materials, age, replacement cost, and your chosen coverage and deductibles. The risk level for natural disasters in your area also affects premiums as well recent loss or claim history.

Earthquake insurance is not included in standard policies and must be purchased separately. While rare, earthquakes can occur, making additional coverage worth considering.

Liability coverage protects you if someone is injured or their property is damaged on your property. It also covers legal fees if you’re sued.

Standard homeowners insurance usually doesn’t cover home-based businesses. Additional policies or endorsements are often needed to protect business-related assets and liabilities.

Evaluate your home’s value, risks, and personal coverage needs.  Let us compare multiple quotes for you and review policy limits, deductibles, and exclusions to find the best fit for your situation.