Montana is home to many outdoor enthusiasts who enjoy hiking, biking and skiing. It doesn't matter if you spend most of your time outdoors or indoors, having homeowners insurance will protect your investment and give you peace-of-mind.
If you're looking for homeowners insurance, find a provider you can rely on and who will help get you back in your home as quickly and efficiently as possible if there is a claim. For this purpose, you can look at an AM Best rating. This will indicate the company's financial strength, as well its customer satisfaction ratings. It is also worth checking their Better Business Bureau rating, to see how past customers rated their service.
EverQuote allows you to compare quotes from different carriers within minutes. This online market connects you with local Billings brokers who can help find you the best property insurance rate. Free insurance quotes are available for auto, homeowners, and life.
Insurance companies use factors such as credit history, location of the home and results of home inspections to determine premiums. Your policy's coverage may also depend on the type of risk you pose to the insurer.
The standard homeowners policy will cover many types of loss, including theft, vandalism or water damage. Additional coverages are available, including earthquake and flood insurance.
If you live in a high-risk area, you may want to consider purchasing a special flood insurance policy. Most homeowners insurance policies don't cover flood damage, but there are private flood insurance companies and the National Flood Insurance Program.
The most cost-effective way to protect your property is with a home insurance policy which covers your entire home value and any other structures you have on your property. A policy that covers $400,000 worth of dwelling and personal property would cost between $280 and $335 per month.
The right deductible will also reduce your homeowners insurance premiums, since it lowers the amount of money you have to pay for a claim. You can save around $375 on your Montana home insurance by choosing a $1,000 deductible over a $500 deductible.
If you can, take advantage of the available discounts. You may qualify for discounts by installing a deadbolt lock, burglar alarm and safe deposit box.
Choose a neighborhood with low risk, avoid claims and choose a policy without lapses to reduce your home insurance. Some Montana insurance companies will even offer a discount to homeowners who have multiple lines of coverage with them, such as car and renters policies.
You should compare homeowners insurance quotes from several companies in order to find the best possible deal. Search for a company with a solid financial rating and affordable coverage.