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Montana Home Insurance

Montana home owners insurance provides much needed property damage coverage for your home. The more basic policy, known as the HO-2 policy, covers damages caused by any of the following perils: fire, smoke, hail, wind, falling objects, theft, vandalism, vehicles, aircraft, frozen pipes, a sudden cracking, and overflowing steam from air conditioners and water heaters. The more common policy, called the HO-3, provides bodily injury liability, as well as additional property damage coverage. If you still owe on your mortgage loan, the majority of lenders require you to carry Montana home insurance.

Montana Home Insurance Coverage

Most HO-3 policies cover damages caused by falling objects and the heavy weight of snow damages. There are certain damages that may cause your Montana homeowners insurance to rise. On the average, Montana home owners insurance offers great benefits and low rates. If you live in an area that is prone to flooding, it is important to know that Montana home owners insurance does not cover flood damages. Homeowners need to purchase an additional flood insurance policy. You can review your Montana home insurance policy’s “exclusion” list to see what will not be covered.

Montana Home Insurance Rates

In relation to the rest of the country, Montana home owners insurance rates are relatively low. The low cost of homes and infrequent claims make this state good to buy home insurance.

Saving Money

For those homeowners who wish to reduce the Montana home owners insurance rate, a few basic additions to your home can provide you with discounts. The weight from heavy snow can be a burden on a roof and cause severe damages. For this reason, reinforcing your home can provide you with a discount from most insurance companies. By purchasing both your home and auto insurance through a provider, you can receive a significant discount. More savings can be found by shopping around before buying your Montana home owners insurance.

Montana Department of Insurance

840 Helena Ave.
Helena, MT 59601
Phone: (800) 332-6148


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